Receivables Performance Management LLC

September 21, 2015 Revdex.comStation DrSuite 222DuPont, WA 98327 Email: ***@theRevdex.com.org Case# ***, *** *** Dear Ms***, I am in receipt of and have reviewed the above referenced rebuttal complaint filed by Ms*** against Receivables Performance Management, LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states and the District of ColumbiaMs*** rejected RPM’s initial response because she alleges that RPM is giving out her home number of (*** *** to other consumers to call RPM After a review of our records I offer the following response on behalf of RPM: When leaving telephone numbers, for call backs, RPM uses only toll free numbersThis practice is done so there is no violation of the Fair Debt Collection Practices Act (FDCPA) section (5)RPM does not know how consumers obtained Ms***’s telephone number or why they are calling herAs RPM stated in our original response, the above telephone number is only listed on an account that was recalled on July 25, RPM has not reviewed that account since that recall date, except to respond to this complaint. RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at *** *** Very Truly Yours, Henry ** S*** Senior Compliance Specialist

Complaint: ***I am rejecting this response because: I can get documented proof from Verizon wireless of how many phone calls were incoming and outgoing and the minutes in between to prove I was disconnected. They also say I was on a recorded line, so unless erased then that is more proof of the harassment. Also, I still have heard nothing back from them about the dispute against ***Sincerely,*** ***

RE: *** ** *** Claim ID: *** To Whom It May Concern, I am in receipt of and have reviewed the complaint filed by Ms*** against Receivables Performance Management, LLC (RPM)Ms*** claims that she has requested debt validation of a debt RPM has attempted to collect and offered
to settle the debt for less than the full balance owed once receivedAfter review of our file and contacting our client, I offer the following response on behalf of RPMAT&T listed Ms***’s account with RPM for collection on April 7, On April 9th RPM sent Ms*** a notice identifying the debt, creditor, and her rights under the Fair Debt Collection Practices Act (FDCPA)RPM’s business records reflect our first contact with Ms*** occurred June 22, by telephone where she referred RPM to a letter, however RPM had no record of receiving any correspondence from herRPM subsequently received three letters from Ms*** claiming a hardship and offering to settle the debt for approximately half of the balance that was owedRPM did not have authority from AT&T to resolve the balance for the amount being offered Upon receipt of this complaint, RPM contacted AT&T who provided the attached monthly billing statements as verification of the debt It is AT&T’s position that the balance is valid and owedAT&T has requested that Ms*** contact AT&T Digital Life directly toll free at 855-288-for any further disputesMs*** may also contact RPM to discuss potential settlement opportunities toll free at 866-367-RPM appreciates the opportunity to respond to this matterIf you have further questions regarding RPM's handling of this matter, or if RPM may be of further assistance to Ms*** please contact me directly at (425) 412-Very Truly Yours, Mark *C*** General Counsel

Complaint ID: ***
RE: *** ***
Dear Ms***,
I am in receipt of and have reviewed the above referenced complaint filed by Mr*** against Receivables Performance Management, LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states
and the District of ColumbiaMr*** disputes a debt owed to DIRECTVHe requests no further contact from RPMAfter review of our records and contacting our client I offer the following response on behalf of RPM:
RPM received Mr***’ Dish account for collection on December 13, On December 14, RPM sent Mr*** a notice identifying the debt, creditor, and his rights under the Fair Debt Collection Practices Act (FDCPA)RPM’s business records reflect one contact with Mr*** on January 2nd where he stated he did not wish to be contacted further.
Upon receipt of the complaint, RPM contacted DIRECTV regarding the outstanding chargesDIRECTV advised that they are unable to confirm that all equipment has been returned and provided instructions for how to do soDIRECTV provided the attached letter detailing the same along with an account ledger for Mr***’s reviewDIRECTV has recalled the account from our office and RPM is no longer handling the matter
RPM appreciates the opportunity to respond to this matter and resolve it to Mr***’ satisfactionIf you have questions regarding RPM’s handling of this matter or if we may be of any further assistance to Mr***, please contact me directly at (425) 412-
Very Truly Yours,
Mark** C***
General Counsel

RPM has spoken to Mr*** and submitted another request to the credit reporting agencies to remove the account trade-line from his credit historyShould the account trade-line continue to appear, Mr*** may contact me at 425-412-for further assistance. Very Truly Yours,Mark TC***General Counsel

Dear Ms***, I am in receipt of and have reviewed the above referenced complaint filed by Mr*** against Receivables Performance Management, LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states and the District of ColumbiaMr***
states that he was never notified of a delinquent Capital One account before it appeared on his credit historyHe requests the matter be removed from his credit historyAfter review of our records I offer the following response on behalf of RPM: RPM received Mr***’s T-Mobile account for collection on October 22, RPM does not perform collection services on behalf of Capital OneRPM typically allows a consumer approximately days from the time an account is listed in our office before it is reported to a consumer’s credit historyDuring that time frame RPM attempts to contact a consumer by mail and telephone in order to allow them to resolve the obligation prior to credit reportingThat was done in this case “T-Mobile records confirm that on July 9, 2014, Mr*** activated a postpaid account with a voice line of service with the mobile number ending in 9662. On July 10, 2014, Mr*** activated a second voice line of service with the mobile number ending in ***. At the time of activation Mr*** subscribed to the Simple Choice Value Family Unlimited Talk and Text rate plan for $80.00, plus applicable taxes. Additionally, Mr*** subscribed to the Unlimited Data feature with 7GB of mobile hotspot, for $per month, plus taxes, per line of service. Mr*** also subscribed to the JUMP! handset insurance feature, for $per month, plus taxes, per line of service T-Mobile records confirm that on the day of activation, Mr*** qualified for and took advantage of T-Mobile’s Equipment Installment Plan (“EIP”) offering with the purchase of an Apple iPhone 5s Space Gray handset with 16GB of memory. Mr*** was not required to make a down payment, and agreed to a series of 24-monthly installments of $ On August 9, 2014, Mr***’s account was charged $for the billing cycle charges from July 9, 2014, through September 8, 2014. T-Mobile records indicate that a payment was not received for this balance. On September 9, 2014, Mr***’s account was charged $201.53, for the billing cycle charges from September 9, 2014, through October 8, 2014, increasing the balance owed to $557.53. T-Mobile records confirm that on following dates, T-Mobile received several payments, all of which were returned as unpaid from Mr***’s banking institution: September 10, 2014, in the amount of $356.00; September 12, 2014, in the amount of $557.53; and September 20, 2014, in the amount of $ Therefore, as the account had an excessive number of returned payments, on September 24, 2014, Mr***’s account was cancelled by T-Mobile. T-Mobile records indicate that on September 26, 2014, a payment of $was received, reducing the account to a balance of $201.53. On October 9, 2014, Mr***’s account was charged $682.53, for the accelerated EIP charges for the Apple iPhone 5s Space Gray handset. Additionally, the balance included an Assurant Salvage Non-Return fee of $389.40, for handset that was not returned to Assurant Solutions, Inc., the provider of Mr***’s handset insurance. Records indicate that Mr*** filed an insurance claim on August 1, 2014, which was shipped to his billing address on the same day. As the non-working Apple iPhone 5s handset was not received by Assurant Solutions, Inc., Mr***’s account was charged a handset non-return fee. Therefore, Mr***’s balance was increased to $884.16. T-Mobile considers this balance as valid and owed T-Mobile records confirm that on October 27, 2014, T-Mobile applied a credit of $to Mr***’s account, reducing the balance to $877.17. It is T-Mobile’s position that the charges are valid and owed. As payment was not received, on January 6, 2015, Mr***’s account was transferred to Diversified Consultants, Inc., a third-party collection agency. As payment had not been received for the balance owed, on July 18, 2016, Mr***’s account was transferred to Receivables Performance Management, a third-party collection agency. Mr*** may remit payment to Receivables Performance Management at 866-212-7408.” RPM has requested removal of the account trade-line pursuant to Mr***’s requestRPM appreciates the opportunity to respond to this matter and resolve it to Mr***’s satisfactionIf you have questions regarding RPM’s handling of this matter or if RPM may be of any further assistance to Mr***, please contact me directly at (425) 412- Very Truly Yours, Mark *C*** General Counsel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
All wanted was to get z extra payment refunded to me The reason for my complaint was that they kept me waiting on z phone for long periods & forgetting that I was awaiting for z resolution of z matter As soon as I get back the extra payment I made I will consider the matter closed thank you for intervening on my behalf for justice
Sincerely,
*** ***

January 26,
Revdex.com
Station DrSuite
DuPont, WA
Email: ***@theRevdex.com.org
*** *** *** * ***
Dear Ms***,
I am in receipt of and have reviewed the above referenced complaint filed by Mr*** against
Receivables Performance Management, LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states and the District of ColumbiaMr*** is alleging that RPM is acting unethically by accepting his Settlement in Full (SIF) payment and refusing to send him a SIF letterHe states he has called several times and the calls have become disconnectedAfter a review of our records I offer the following response on behalf of RPM:
RPM received the agreed upon SIF payment on December 30, RPM generally waits two weeks for a check to clear before sending out a SIF letterAccording to our business records the form was generated on January 15, for the letter to be sentThe SIF letter was mailed on January 18, to the address of *** ** *** *** *** ** ***Our business records also reflect that Mr*** called our office on January 22, requesting the SIF letter and was told it was in the mailHe then asked to speak with a specific representative who was not availableRPM apologizes to Mr*** for any inconvenience that may have been created
RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at (425) 205-
Very Truly Yours,
Henry PS***
Senior Compliance Specialist

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meHowever, I never received the letter that they stated that was mailed and ask that they resend itAlso, *** is my work number and I ask that this number not be calledThanks Sincerely, *** ***

March 16,
Revdex.com
Station DrSuite
DuPont, WA
Email* ***@theRevdex.com.org
Case# *** *** ***
Dear Ms***,
I am in receipt of and have reviewed the above referenced complaint filed by Ms*** against
Receivables Performance Management, LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states and the District of ColumbiaMs*** is complaining that RPM is calling her cell number at all hours of the day, trying to reach someone that doesn’t live at this numberMs*** alleges that RPM has been told this and continues to call After a review of our records I offer the following response on behalf of RPM:
RPM received a file from our client Sprint for a consumer that is not *** ***RPM is withholding the name of that consumer to avoid any violation of Third Party Disclosure under the Fair Debt Collection Practices Act (FDCPA)RPM was provided with the *** *** telephone number and believed it to be a good number to reach our consumerAccording to RPM’s business records, RPM did make manually dialed telephone attempts to reach our consumer and the only contact was on March 15, At that time RPM was informed this was a wrong numberA Wrong Number Code has been placed on the above number and no further calls will be madeRPM apologizes for any inconvenience
RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at (425) 205-
Very Truly Yours,
Henry ** S***
Senior Compliance Specialist

RE: *** * *** Complaint ID: *** To Whom It May Concern, I am in receipt of and have reviewed the complaint filed by Ms*** against Receivables Performance Management, LLC (RPM)Ms*** states she has no contract with RPM and requests verification of a debt that is being
reported to her credit historyShe requests the account be removed from her credit historyAfter review of our file and contacting our client, I offer the following response on behalf of RPM*** listed Ms***’s account with RPM for collection on October 1, On October 3rd, RPM sent Ms*** a notice identifying the debt, creditor, and her rights under the Fair Debt Collection Practices Act (FDCPA)RPM received no response to this notice and have no record of speaking to Ms*** despite attempts to contact her by telephoneUntil receipt of this complaint, RPM was unaware that Ms*** disputed any portion of the debtMs*** is correct that she has no contractual relationship with RPM; however, RPM is a data furnisher to the credit reporting agencies on behalf of ***, to whom she has a business relationship withUpon receipt of the complaint, RPM contacted *** who provided the attached account statements as verification of the debt*** has turned the matter over to their Executive Services group for further handlingRPM will cease further attempts to contact Ms***, however she is welcome to contact our office to resolve the obligationMs*** may contact RPM toll free at 866-367-RPM appreciates the opportunity to respond to this matter and resolve it to Ms*** satisfactionIf you have further questions regarding RPM's handling of this matter, or if RPM may be of further assistance to Ms*** please contact me directly at (425) 412-Very Truly Yours, Mark *C*** General Counsel

Complaint: ***
I am rejecting this response because:In the response from RPM they say they were not contacted by me prior to receiving the debt from direct tv; I had no reason to contact RPM until I became aware of the debt owed and I immediately contacted RPM through the provided number given meWhen I contacted their representatives I was assured once I paid the debt it would be removed from my credit as I was attempting to acquire a mortgage and it was important that it be removedThe agent assured me it would be but I needed to pay them first and immediately agreed and paid the debtI was counting on this business on good faith to keep their promise and they have failed to do so and have not cooperated with me what so everPlease help meThank you.
Sincerely,
*** ***

Complaint ID: *** RE: *** *** Dear Ms* ***, I am in receipt of and have reviewed the above referenced complaint filed by Ms* *** against Receivables Performance Management, LLC (RPM)* RPM is a licensed third party collection agency operating in all fifty states and the
District of Columbia* Ms* *** states that RPM’s agent advised her that a delinquent account would be removed from her credit history if the obligation were paid* She requests the account be deleted from her credit history* After review of our file I offer the following response on behalf of RPM: RPM received Ms* ***’s *** account for collection on April 2016* On March 13, Ms* *** spoke with one of our agents and agreed to a reduced settlement of the obligation on October 13, 2016* Two payments were received as scheduled and the account was closed and updated as settled in full* A recording of the conversation is unavailable for review, however it is RPM’s policy to never agree to remove an account trade-line in exchange for payment* Rather, RPM’s agents are trained to advise a consumer that their account trade-line will be updated to accurately reflect the account status* Due to the fact that a recording is unavailable, RPM will agree to remove the account trade-line, however the agent at issue has been with RPM for over ten years and has an excellent record of compliance; thus it is highly unlikely that the agent advised Ms* *** the account would be removed if paid RPM appreciates the opportunity to respond to this matter and resolve it to Ms* ***’s satisfaction* If you have questions regarding RPM’s handling of this matter or if RPM may be of any further assistance to Ms* ***, please contact me directly at (425) 412- Very Truly Yours, Mark ** C*** General Counsel

RE: *** * *** Complaint ID: *** To Whom It May Concern, I am in receipt of and have reviewed the complaint filed by Mr*** against Receivables Performance Management, LLC (RPM)Mr*** states that RPM processed a payment without his consentHe requests the account be removed
from his credit history as a resultAfter review of our file, I offer the following response on behalf of RPMRPM located one account listed by *** lwith RPM for collection on October 26, RPM’s business records reflect no record of speaking to Mr***, nor receipt of any payment from Mr*** towards the outstanding balancePerhaps Mr*** has RPM confused with another collection agency attempting to collect on a different accountRPM appreciates the opportunity to respond to this matter and apologize for any confusionIf you have further questions regarding RPM's handling of this matter, or if RPM may be of further assistance to Mr*** please contact me directly at *** ***Very Truly Yours, Mark TC***

Complaint: ***
I am rejecting this response because:I do not have a contract with this company.
Sincerely,
*** ***

RPM has contacted T-Mobile regarding Mr***'s complaint and asked them to investigate his allegationsTo date, we have not received a responseOnce T-Mobile responds to Mr***'s inquiry RPM will provide further information.In the interim please feel free to contact me at 425-412-2642.Mark *
C***General Counsel

I have resolved and settled debt with Verizon wireless they advised the amount I paid resolved the bill in fullI no longer have to deal with rpm because the debt is paid I'm very thankful I no longer have to communicate with them This is the worst collection agency to go through
Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***-***

Complaint: ***I am rejecting this response because:
First off this is NOT closed The response I received from the company is in regards to a "MR***" My name is *** ***
how can you guys even think this to be closed!???? Re-open and ask that this company respond to MENot someone else!!Sincerely,*** ***

December 16, 2015Revdex.comStation DrSuite 222DuPont, WA 98327Email: ***@theRevdex.com.orgCase# ***, *** W ***Dear Ms***,I am in receipt of and have reviewed the above referenced complaint filed by Mr*** against Receivables Performance Management,
LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states and the District of ColumbiaMr*** is complaining that RPM is reporting an active collection to his credit bureau file and this debt was included in his bankruptcy After a review of our records I offer the following response on behalf of RPM:RPM received this file from our client Dish on May 29, RPM mailed the initial dunning letter on June 2, 2015, advising Mr*** of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of *** *** *** *** *** ** ***According to the information initially provided by our client this debt apparently was opened in April, (post-petition) and the last payment was received on February 28, RPM spoke with Mr*** on December 7, when he claimed to have filed bankruptcyRPM contacted our client who recalled the accountRPM no longer represents Dish in this matterA notice was sent to the credit bureaus to delete our July, credit bureau reporting.RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at *** ***Very Truly Yours,Henry PS***Senior Compliance Specialist

Complaint: ***I am rejecting this response because: They never removed the negative marking from my credit reportWhen will it be removed?Sincerely,*** ***