Receivables Performance Management LLC

RE: [redacted] Complaint ID: [redacted]   To Whom It May Concern, I am in receipt of and have reviewed the complaint filed by Mr. [redacted] against Receivables Performance Management, LLC (RPM). Mr. [redacted] states that a past due debt owed to [redacted] was paid prior to it...

being credit reported by RPM. He also states that he first learned of the collection action after noticing the account on his credit history and had not received any of RPM’s notifications because he had moved to a different address. Mr. [redacted] requests the account be removed from his credit history. After review of our file and contacting our client, I offer the following response on behalf of RPM. [redacted] placed Mr. [redacted]’s account with RPM for collection on September 6, 2017. On September 8th, RPM sent Mr. [redacted] a notice identifying the debt, creditor, and his rights under the Fair Debt Collection Practices Act (FDCPA) to his last known address provided by [redacted]. RPM has no record of the notice being returned as undeliverable. RPM also attempted to contact Mr. [redacted] at a telephone number provided by [redacted] to no avail. The account was credit reported on behalf of [redacted] by RPM on October 21st. According to [redacted], Mr. [redacted] made payment directly to them on February 14, 2018. Once notified, RPM ceased further collection activity and updated the account trade-line to reflect a paid in full status. RPM then received several calls from Mr. [redacted] requesting the account trade-line be removed. In each instance, RPM advised Mr. [redacted] that we are required to report complete and accurate information to the credit reporting agencies. Upon receipt of this complaint RPM contacted [redacted] who authorized RPM to remove the account trade-line because of the incorrect contact information. In the future, Mr. [redacted] should take notice to update his creditors if he moves to avoid this situation. RPM will request removal of the account trade-line. RPM appreciates the opportunity to respond to this matter. If you have further questions regarding RPM's handling of this matter, or if RPM may be of further assistance to Mr. [redacted] please contact me directly at (425) 412-2642. Very Truly Yours, Mark T. [redacted] General Counsel

Complaint ID: [redacted] RE: [redacted]   Dear Ms. [redacted],   I am in receipt of and have reviewed the above referenced complaint filed by Ms. [redacted] 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. [redacted] states that in response to a prior complaint filed with the Consumer Financial Protection Bureau (CFPB) RPM advised that validating documents were being sent to her. She also states that RPM indicated the account had been removed from her credit history however it continued to appear. She requests validation documents and removal of the account from her credit history. After review of our records I offer the following response on behalf of RPM:   Attached please find the validation documents. Please accept RPM’s apologies if these documents were not received. Our files show that they were previously sent. RPM’s business records reflect that removal of the account trade-line was requested in November 2013. Nevertheless, a manual request to remove the account has since been submitted via eOSCAR. The AUD confirmation number provided by eOSCAR is [redacted]. The account has been recalled from our office and RPM is no longer handling the collection of this account.   RPM appreciates the opportunity to respond to this matter and wishes to apologize to Ms. [redacted] for the inconvenience. If you have questions regarding RPM’s handling of this matter or if RPM may be of any further assistance to Ms. [redacted], please contact me directly at (425) 412-2642.     Very Truly Yours,     Mark T. C[redacted] General Counsel

Complaint: [redacted]
I am rejecting this response because: There is no valid reason for the account to remain on my credit report. The old address RPM had for me on the account is the home I lost to foreclosure in 2011. Until this was posted on my credit record, I wasn't even aware it existed-I was not ducking and dodging a $32.95 bill. Or the extra $5 "fee" I was charged to pay off the bill ($37.95 total). This was not settled, it was paid in full, and I don't think I should continue to be punished for a debt that is no longer in existence.
Sincerely,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]                                   ...⇄ I  accept this matter and if they call me again I will report them to the Washington attorney general and Washington t.c.

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted] For now there workers spoke to me and for the NUMBER of calls I had bean getting I am looking for more then thus sorry. Again I am looking for a write letter and a check in the mail for all the rude phone calls for 1 hole week

RE: [redacted] Complaint ID: [redacted]   To Whom It May Concern, I am in receipt of and have reviewed the complaint filed by Ms. [redacted] against Receivables Performance Management, LLC (RPM). Ms. [redacted] alleges that RPM did not send her a notice prior to credit reporting an account she is...

unaware of. Ms. [redacted] states she has no accounts with RPM and requests that the matter be removed from her credit history. review of our file, I offer the following response on behalf of RPM.   [redacted] listed Ms. [redacted]’s account with RPM for collection on February 5, 2018. RPM does not own Ms. [redacted]’s debt, rather we perform collection services on behalf of [redacted] who is owed the debt. On February 7th, RPM sent Ms. [redacted] a notice identifying the debt, creditor, and her rights under the Fair Debt Collection Practices Act (FDCPA) to the address listed in the complaint. RPM did not receive a response to this notice, nor one sent in March. Additionally, RPM has no record of speaking to Ms. [redacted] despite attempts to contact her by telephone. In response to this complaint, RPM has requested verification of the debt from [redacted] and will provide it to Ms. [redacted] upon receipt.   RPM appreciates the opportunity to respond to this matter. If you have further questions regarding RPM's handling of this matter, or if RPM may be of further assistance to Ms. [redacted] please contact me directly at ([redacted].   Very Truly Yours,   Mark *. C[redacted] General Counsel

July 12, 2016
 
 
 
 
Revdex.com
1000 Station Dr. Suite 222
DuPont, WA  98327
 
Email: [redacted].[redacted]@theRevdex.com.org
 
 
Case# [redacted]
 
 
Dear Ms. [redacted],
 
I am in receipt of and have reviewed the above referenced follow up complaint filed by Ms. [redacted] 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. [redacted] rejected RPM’s original response because the negative credit bureau rating has not been removed. After a review of our records I offer the following response on behalf of RPM:
 
This account was recalled by RPM’s client, Western Dental, on July 1, 2016. RPM sent the deletion notice to the three major credit bureaus on July 3, 2016. It generally takes the credit bureaus 30-45 days to update their records.
 
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726
 
Very Truly Yours,
 
 
Henry *. S[redacted]
Senior Compliance Specialist

RE: [redacted] Complaint ID: [redacted]   To Whom It May Concern, I am in receipt of and have reviewed the complaint filed by Ms. [redacted] against Receivables Performance Management, LLC (RPM). Ms. [redacted] states she requested verification of a debt and has not received a response within thirty...

days. She requests RPM remove the account from his credit history. After review of our file, I offer the following response on behalf of RPM. DIRECTV listed Ms. [redacted]’s account with RPM for collection on July 14, 2017. On July 16th, RPM sent Ms. [redacted] a notice identifying the debt, creditor, and her rights under the Fair Debt Collection Practices Act (FDCPA). RPM’s business records reflect no response to that notice until receipt of a letter requesting verification of the debt on December 28, 2017; well beyond the thirty-day validation period. RPM ceased further collection attempts and requested verification of the debt from DIRECTV. Verification was received and sent to Ms. [redacted] on February 2, 2018. It is DIRECTV’s position that the debt is owed. Due to the fact that more than thirty days elapsed from the time of the verification request to when it was mailed to Ms. [redacted], RPM will request removal of the account trade-line. RPM appreciates the opportunity to respond to this matter. If you have further questions regarding RPM's handling of this matter, or if RPM may be of further assistance to Ms. [redacted] please contact me directly at (425) 412-[redacted]. Very Truly Yours, Mark T. C[redacted] General Counsel

Complaint ID: [redacted]
RE: [redacted]
 
Dear [redacted],
 
I am in receipt of and have reviewed the above referenced complaint filed by [redacted] against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states...

and the District of Columbia. [redacted] states that she returned all of her Dish equipment and disputes owing a balance of $34 being collected by RPM. She requests no further contact from RPM. After review of our records and contacting our client I offer the following response on behalf of RPM:
 
RPM received [redacted] Dish account for collection on October 14, 2016. On October 19, 2016 RPM sent [redacted] a notice identifying the debt, creditor, and her rights under the Fair Debt Collection Practices Act (FDCPA). RPM’s business records reflect one contact with [redacted] on November 2nd where she stated that Dish advised her she did not owe anything. RPM marked the account as disputed and ceased further collection attempts. 
 
Upon receipt of the complaint, RPM contacted Dish regarding the outstanding charges. Dish advised that remaining balance was for shipping charges and boxes used to return the equipment. As a courtesy to [redacted], Dish has agreed to waive the remaining balance and close the account as paid in full. Dish has recalled the account from our office and no further balance is owed.
 
RPM appreciates the opportunity to respond to this matter and resolve it to [redacted]’ satisfaction. If you have questions regarding RPM’s handling of this matter or if we may be of any further assistance to [redacted], please contact me directly at [redacted].
 
 
Very Truly Yours,
 
 
[redacted]
General Counsel

Case# [redacted]Dear Ms. [redacted],I am in receipt of and have reviewed the above referenced follow up complaint filed by Mr.[redacted] against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. [redacted] is disputing this debt and stated he just faxed the fraud affidavit and police report to our client T-Mobile.  After a review of our records I offer the following response on behalf of RPM:Upon receipt of this latest complaint, RPM contacted our client T-Mobile to verify if they had received the documents and what instructions they had for RPM. As of today, T-Mobile has recalled the account. RPM has sent a deletion notice to the three major credit bureaus. It generally takes the credit bureaus 30-45 days to update their records. RPM apologizes for any inconvenience to Mr. [redacted]. RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726Very Truly Yours, Henry ** S[redacted]Senior Compliance Specialist

Complaint: [redacted]
I am rejecting this response because: While I did contact Mr. Mark T. C[redacted], General Counsel for Performance Management LLC, at [redacted] and he was able to confirm that their collection information using my SSN is indeed invalid, I will not know for at least a week whether his attempt to rectify the situation will be successful. Further, I have included a copy of a police report that I filed in regards to this case. I also contacted the fraud division of [redacted] and they gave me further valuable information that makes me suspect that SOMEONE used illegal means to gather the information Mr. C[redacted]'s company used to submit fraudulent collection claims to the three credit reporting agencies. Until I can verify that my credit reports have been cleared of this fraudulent claim, I am unwilling to allow my complaint to the Revdex.com about this company be closed.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:According to spoke with Mr c[redacted] I send the copy of the clear check on my account on 2-2-17 for $ 100 dollars , the money they said no have any idea , I send fax , cart and now  the proof of cashed check , thank you for the attention at this matter  [redacted]Please see attached[redacted] 
Sincerely,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I will look for the removal of the remarks on our credit files. Thank you.Sincerely, [redacted]

February 9, 2016
Revdex.com
1000 Station Dr. Suite 222
DuPont, WA  98327
Email: [redacted]@theRevdex.com.org
Case# [redacted]
Dear Ms. [redacted],
I am in receipt of and have reviewed the above referenced complaint filed by Mr. [redacted] against Receivables...

Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. [redacted] is alleging that RPM is making harassing telephone calls about a Sprint bill he disputes. In addition he states when he calls RPM and asks questions the calls are disconnected. After a review of our records I offer the following response on behalf of RPM:
RPM received this account from our client Sprint on January 19, 2016. RPM mailed the initial dunning letter to Mr. [redacted] on January 21, 2016, advising him of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of [redacted]. RPM began making unsuccessful telephone attempts until contacting Mr. [redacted] on January 29, 2016. At that time Mr. [redacted] stated he disputed the debt. RPM immediately ceased collection activity, coded the account as a dispute, and contacted our client for validation. When the validation is received RPM will forward it to Mr. [redacted] for his review. RPM has not reported anything about this account to the three major credit bureaus.
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726
Very Truly Yours,
Henry P. S[redacted]
Senior Compliance Specialist

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted], I am rejecting there response due to that inquire was just placed on my report within the last couple of weeks and was notified through a lender that it had appeared whom had just checked my credit report a month prior to that, we are talking months after the day that they are reporting that they were notified that it was paid in full. They contacted me months prior to that and I informed them that the account had been paid and they informed me that it would be taken care of and wasn't, because they also said that they seen where it had been paid in full.  Also my complaint would like for someone from RPM to inform me why when I tried to contact them regarding the matter, I was either put on hold to be transferred and no one would answer or I would be transferred to a voice mail and would leave a message and no one would respond. After a week went by and I decided to call them again I was put through to the same voice mail as prior with the same result no one calling me back. So I called back several times, saying that I would like to speak with someone with the same results each time. The last and final call I informed them that I was calling the Revdex.com, and the said go ahead and hung up on me.

Complaint: [redacted]I am rejecting this response because:
I changed checking accounts due to Fraud and no longer have access to account statements that were used to pay these debts. I will again reference the attachments I sent in the first email and point out that RPM specifically states on their website, under my own personal account within their webstie that my account status will be changed to "successful" once payment is received at PROCESSED. As you can see in  the attachments, every agreed upon payment date was processed on RPM's website and marked "successful". This is RPM's error, not mine. The burden of proof lies with them because it was their error, not my error. I shouldnt have to furnish proof from a mistake that someone else other than me made. I also would like to point out in my first email that I was told several different ammounts owed when speaking to represenatives via phone call. So not only is it their online error showing I have made all payments but their representatives cant even provide me with an accurate number when trying to resolve this via telephone. I still request that this debt be considered resolved at this point.
Sincerely,[redacted]

January 13, 2016
Revdex.com
1000 Station Dr. Suite 222
DuPont, WA  98327
Email: [redacted]@theRevdex.com.org
Case# [redacted]
Dear Ms. [redacted],
I am in receipt of and have reviewed the above referenced complaint filed by Mr. [redacted]...

against Receivables Performance Management, LLC (RPM). RPM is a licensed third party collection agency operating in all fifty states and the District of Columbia. Mr. [redacted] is complaining that even though he paid both accounts, the accounts were never closed and are still being reported to the credit bureaus. He has repeatedly asked for proof of the paid accounts. He does refer to the agency as RMP, not RPM so I don’t know if there is another firm now handling these debts. After a review of our records I offer the following response on behalf of RPM:
RPM received two files from our client T Mobile September 25, 2013. RPM and Mr. [redacted] negotiated a settlement in full (SIF) for both accounts and the payments were made on January 30, 2014. Our client recalled the account on May 31, 2014. As part of the closing process a deletion notice was sent to the credit bureau. As a matter of fact an electronic deletion notice was sent on both accounts three times: June 1, 2014, July 3, 2014 and September 16, 2015. Additionally a manual deletion notice was sent through our EOSCAR system on August 5, 2014, AUD#’s [redacted] and [redacted]. After receiving this complaint, RPM again sent an EOSCAR deletion notice to the three major credit bureaus, AUD #’s [redacted] and [redacted].
RPM has again advised our client that these accounts are paid as a SIF. At Mr. [redacted] request we have mailed him a SIF letter regarding both accounts. If another agency is involved with these accounts, RPM knows nothing about it and suggests Mr. [redacted] contact T Mobile.   
RPM appreciates the opportunity to resolve this complaint. If you have additional questions regarding our handling of this matter I can be reached at [redacted]
Very Truly Yours,
Henry P. S[redacted]
Senior Compliance Specialist

Complaint ID: [redacted] RE: [redacted]   Dear Ms. [redacted],   I am in receipt of and have reviewed the above referenced complaint filed by Ms. [redacted] 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. [redacted] states that she recently settled a delinquent Verizon account with RPM, however was not advised of a $9.99 convenience fee for making payment over the phone. She requests a refund of the $9.99 charge. After review of our records and contacting our client I offer the following response on behalf of RPM:   Verizon listed Ms. [redacted]’s account with RPM for collection March 3, 2017. RPM’s business records reflect that Ms. [redacted] agreed to resolve the obligation for less than the full balance during a conversation with one of our agents on April 28, 2017. Ms. [redacted] was charged a $9.99 convenience fee to process the payment over the telephone. In states where permitted, RPM charges a convenience fee for credit card payments over the telephone to cover our cost of processing the payment. It is RPM’s policy to offer consumers a free payment option to make payment via our web site or by mailing in a check. RPM searched for a recording of our agent’s interaction with Ms. [redacted], however the call was not recorded. Accordingly, we have issued a refund of the $9.99 convenience fee to Ms. [redacted] per her request.   RPM appreciates the opportunity to respond to this matter and wishes to apologize to Ms. [redacted] for the inconvenience. If you have questions regarding RPM’s handling of this matter or if RPM may be of any further assistance to Ms. [redacted], please contact me directly at (425) 412-2642.     Very Truly Yours,     Mark *. C[redacted] General Counsel

Dear Ms. [redacted],   I am in receipt of and have reviewed the above referenced complaint filed by Mr. [redacted] against Receivables Performance Management, LLC (RPM). RPM is a licensed third-party collection agency operating in all fifty states and the District of Columbia. Mr. [redacted] states...

that he does not have a contract with RPM and is not liable for a debt to RPM. He request the matter be removed from his credit history. After review of our records I offer the following response on behalf of RPM:   Mr. [redacted] is correct that he has no contract with RPM and that he is not personally indebted to RPM. RPM however works as a third-party debt collector on behalf of Western Dental to whom Mr. [redacted] does allegedly owe a debt. On January 7, 2017, RPM sent Mr. [redacted] a notice identifying the debt, creditor, and his rights under the Fair Debt Collection Practices Act (FDCPA). RPM received no response to that notice. RPM also attempted to contact Mr. [redacted] by telephone and have record of speaking to him on February 16, 2017 where he stated that he did not wish to receive further calls. RPM complied with Mr. [redacted]’s request.   RPM furnishes data to the credit reporting agencies on behalf of Western Dental and other clients. Mr. [redacted] may request verification of the debt or contact our office with further questions.   RPM appreciates the opportunity to respond to this matter. If you have questions regarding RPM’s handling of this matter or if RPM may be of any further assistance to Mr. [redacted], please contact me directly at (425) 412-2642.     Very Truly Yours,     Mark *. C[redacted] General Counsel

Complaint: [redacted]
I am rejecting this response because: [redacted], Thank you for responding & taking time to submit the bill from Verizon. This however does not show the whole picture. We submitted a Letter of Disconnect in February of 2015 (NSPE0009023590) and the actual disconnect didn't happen until August of 2015... all the while we were getting billed for services that should have been disconnected for months. We had three inquires opened in 2015 trying to get Verizon to complete the disconnect and reverse the charges. INQ2015050101432, INQ2015042283659, INQ2015090864558. I have opened another inquiry with Verizon to resolve this because as I stated earlier, I thought this was resolved in 2015. If you would like to take a look at those inquires & disconnect order you will see the error is on Verizon's side.   
Sincerely,
[redacted]