Receivables Performance Management LLC

I have personally reached out to Cincinnati Bell and requested that they contact Ms [redacted] directly to resolve this matter. Cincinnati Bell responded that they would contact Ms. [redacted] directly. Mark *. C[redacted]General Counsel

Complaint: [redacted]
I am rejecting this response because:here is proof that the bankruptcy was removed then added back to my credit report without sending documentation.
Sincerely,
[redacted]

May 18, 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 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 complaining that after paying this account in full he has repeatedly asked, but not received, a paid in full letter.  After a review of our records I offer the following response on behalf of RPM:
Mr. [redacted] did pay a settlement in full (SIF) in March, 2016. RPM sent the update notice to the credit bureau on March 13, 2016. However it appears RPM did not send the SIF letter to Mr. [redacted] in a timely manner. RPM apologizes for the delay. A SIF letter was sent to his home address on May 17, 2016 and that letter is attached for your review.
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

March 8, 2016
Revdex.com
1000 Station Dr. Suite 222
DuPont, WA  98327
Email: [redacted].[redacted]@theRevdex.com.org
Case# [redacted], [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 RPM has been calling him 5-10 times a day about an account that is not his. According to Mr. [redacted], he never lived at the address listed on the account and he does not owe DirecTV anything. After a review of our records I offer the following response on behalf of RPM:
RPM received a file from our client DirecTV for a person with a similar name, but a different address on February 19, 2016. RPM has made a total of 6 telephone calls and on March 3, 2016 was advised this was a wrong number [redacted] and RPM stopped calling. If Mr. [redacted] is receiving 5 to 10 calls a day, RPM does not know anything about the caller(s) or the reason for the calls.
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:  the number that they are calling is not the number with last four digits on the response.  The last four digits on the calls are [redacted].  The [redacted] is not the number that they are calling constantly.  If they are not trying to contact me then they need to stop calling any number associated with me.  
Sincerely,
[redacted]

Complaint ID: [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 a delinquent account in her husband’s name owed to [redacted] was reported to her credit and has been paid. She requests the account be removed from her credit history. After a review of our records and contacting our client I offer the following response on behalf of RPM:
 
RPM received a [redacted] account in the name of Ms. [redacted]’s husband for collection on June 15, 2016. On June 23rd, RPM mailed Mr. [redacted] a notice advising of the debt, amount owed, and his rights under the Fair Debt Collection Practices Act (FDCPA). RPM received no response to the notice and did not hear from the [redacted]’s until receipt of an email on August 31st indicating that payment to satisfy the obligation was made directly to [redacted] earlier in the month. RPM marked the account as disputed and contacted [redacted] for verification of the debt.
 
In response to this complaint, [redacted] confirmed that the account had been paid in full by direct payment. The payment was received at or around the same time that RPM reported the account to Mr. [redacted]’s credit history. [redacted] has advised RPM to remove the account trade-line from the [redacted]’s credit history. A request has been submitted. Ms. [redacted] should allow up to 30 days for the credit reporting agencies to update their records.
 
RPM appreciates the opportunity to resolve this complaint and resolve it to Ms. [redacted]’s satisfaction. If you have additional questions regarding our handling of this matter I can be reached at [redacted]
 
Very Truly Yours,
 
 
Mark ** C[redacted]
General Counsel

RPM stands by our prior response. A notice was sent to Mr. [redacted] by mail and email on March 28, 2017. The address the letter was mailed to is the same as listed in this complaint. The email address the notice was sent to is [redacted]@yahoo.com. Subsequent emails were sent to Mr. [redacted] on May 9th and June 16th respectively. RPM’s duty under the Fair Debt Collection Practices Act (FDCPA) is to send a notice within five days of the initial communication to the consumer’s last known address; in this instance, a notice was sent prior to any contact. It is RPM’s position that we have acted appropriately under the law.

July 4, 2016
 
 
 
 
Revdex.com
[redacted]
 
Email: [redacted]
 
 
Case# [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] is disputing this debt. After a review of our records I offer the following response on behalf of RPM:
 
RPM, upon receiving the above dispute, immediately ceased all collection activity, coded the account as a dispute and contacted our client [redacted] for validation. [redacted] has researched its records, stated the debt is valid, however has recalled the account. RPM has closed the file, sent a deletion notice to the credit bureaus and returned the file to our client. 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

March 9, 2016
Revdex.com
1000 Station Dr. Suite 222
DuPont, WA  98327
Email: [redacted]@theRevdex.com.org
Case# [redacted], [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] is stating RPM sent her a collection letter in May, 2015 and she is disputing this debt. After a review of our records I offer the following response on behalf of RPM:
RPM received this file from our client AT&T Wireline on May 5, 2015. RPM mailed the initial dunning letter on May 7, 2015, advising Ms. [redacted] of the creditor, amount owed and her rights under the Fair Debt Collection Practices Act (FDCPA) to the address of [redacted] RPM received a letter of dispute and a request for a cease and desist on May 27, 2015. RPM immediately ceased collection activity, coded the account as a dispute and contacted our client. AT&T Wireline recalled the account and RPM sent a deletion notice to the three major credit bureaus. All of this occurred months ago, RPM resent the deletion notice in case the credit bureaus failed to delete the RPM reporting. This deletion notice was sent today through the EOSCAR system, the AUD # is [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) 205-5726
Very Truly Yours,
Henry P. S[redacted]
Senior Compliance Specialist

Complaint: [redacted]I am rejecting this response because: Time Warner has requested that the collection be removed from my report which RPM has removed from 2 of the credit bureau but refuse to remove it from the last credit bureau. Time Warner case #[redacted] was sent on October 14, 2015 and November 20, 2015 from rep Nydia.  If they didn't request it to be deleted how was it deleted 3 days after 2 of the phone calls I placed to Time Warner?  Sincerely,[redacted]

January 11, 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 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]’s complaint is that RPM is attempting to collect on a debt that was previously paid. After a review of our records I offer the following response on behalf of RPM:
RPM received this file from our client AT&T on October 6, 2015. RPM mailed the initial dunning letter to Ms. [redacted] on October 7, 2015, advising her of the creditor, amount owed and her rights under the Fair Debt Collection Practices Act (FDCPA) to the address of [redacted]. RPM did begin making telephone attempts, without success, to contact Ms. [redacted]. Ms. [redacted] called our office on November 24, 2015, to advise RPM that the debt was paid and she would send proof.  RPM contacted our client for validation of the debt; it was received and forwarded to Ms. [redacted] on December 5, 2015. RPM later received the proof Ms. [redacted] had promised to mail. It was forwarded to our client to investigate. RPM’s client, after researching, has recalled the account. On January 10, 2016, RPM sent a deletion notice to the three major credit bureaus. RPM apologizes to Ms. [redacted] for any inconvenience that has been caused. 
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 ID # [redacted] RE: [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). Mr. [redacted] states that he has received notices at his address for a...

debt owed by someone else. He requests to no longer receive notices. After review of our file I offer the following response on behalf of RPM:   RPM is not attempting to collect a debt from Mr. [redacted]. RPM located an account using the address listed in the complaint. The account is in the name of a consumer who is not Mr. [redacted]. In order to prevent a potential third-party disclosure in violation of the Fair Debt Collection Practice Act (FDCPA), RPM is withholding any further information about the consumer or the debt.   RPM’s business records reflect that several notices were sent to the address on file. RPM has marked the address as a bad address and will not send further correspondence to Mr. [redacted].   RPM appreciates the opportunity to resolve this matter to Mr. [redacted]’s satisfaction and apologize for any inconvenience. 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 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 requested a notice regarding a debt RPM has attempted to collect on behalf of DIRECTV. She states she was sent a notice by email on April 3rd, however requested it be sent via UPS. She verbally requested validation of the debt and to date has not received it. She requests validation of the debt and the matter removed from her credit history. After review of our records and contacting our client I offer the following response on behalf of RPM:   DIRECTV placed Ms. [redacted]’s account in our office for collection on March 20, 2017. On March 12th RPM sent Ms. [redacted] a notice by ground mail and email informing her of the debt, creditor, and her rights under the Fair Debt Collection Practices Act (FDCPA). RPM has no record of the ground mail notice being returned as undeliverable. RPM also attempted to contact Ms. [redacted] by telephone. RPM’s first contact with Ms. [redacted] occurred April 3rd and she was sent another notice via email at that time. The FDCPA requires a notice be sent within five days of a debt collector’s initial communication with a consumer. As previously indicated that notice was sent March 12th ahead of any communication with Ms. [redacted]. The FDCPA also requires that a debt collector cease collection activity and provide a consumer with validation of a debt upon receipt of a written dispute. RPM has no record of receiving a written dispute or request for validation from Ms. [redacted] prior to receipt of this complaint. RPM has treated this complaint as Ms. [redacted]’s written request for validation. RPM was put on notice of a verbal dispute from Ms. [redacted] on April 17th and ceased collection activity and requested validation from DIRECTV. To date, DIRECTV has not provided validation to RPM. Once received, RPM will forward the requested verification to Ms. [redacted]. Pursuant to the Fair Credit Reporting Act (FCRA), RPM updated the account trade-line to reflect Ms. [redacted]’s dispute.   RPM appreciates the opportunity to respond to this matter and resolve the matter to Ms. [redacted]’s satisfaction. 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

As I stated in a previous response, the checking account linked to my debit card used to make these payments was comprimised with fraud activity, I switched to a new checking account near the end of December and no longer have access to old account statements. I've provided sufficient documentation and proof that RPM only indicates a payment is successfull once CLEARED.

RPM forwarded Ms. [redacted]'s rejection to Western Dental. To date they have not responded with additional information. RPM will provide further information to Ms. [redacted] once we receive a response from Western Dental. In the interim I can be reached at 425-412-2642.Mark *. C[redacted]General Counsel

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 that RPM has not responded to her validation request on an account that she has...

paid. She requests RPM remove the account from her credit history. [redacted] listed Ms. [redacted]’s account with RPM for collection in January 2012. RPM’s business records indicate the account was satisfied for less than the full balance via two payments in January and February 2013. RPM closed and returned the account to [redacted] at that time and updated the account trade-line to reflect the obligation had been resolved. RPM will not respond to a request for validation of a debt that was paid over five years ago because we are no longer attempting to collect the debt. According to [redacted]’s records the account first became delinquent in 2011. Typically, a delinquent account will remain on a consumer’s credit history for a period of seven years. Given that the seven-year period has essentially run, RPM will request removal of the account from Ms. [redacted]’s credit history. Ms. [redacted] should allow thirty days for the credit reporting agencies to update their file. RPM appreciates the opportunity to resolve this matter to Mr. [redacted]’ satisfaction. If you have additional questions, please feel free to contact me directly at [redacted]. Very Truly Yours, Mark T. C[redacted]

Revdex.com:
My phone number is [redacted]. This is the number RPM has continually called.
Assuming they follow through with their response and stop the calls, I accept the resolution to complaint ID [redacted].
Sincerely, [redacted]

December 1, 2015Revdex.com1000 Station Dr. Suite 222DuPont, WA  98327Email: [redacted]@theRevdex.com.orgCase# [redacted], [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 disputing this debt and complaining that RPM’s representatives were rude and incompetent.  After a review of our records I offer the following response on behalf of RPM:RPM received this file from our client AT&T Wireline on September 14, 2015. RPM mailed the initial dunning letter on September 16, 2015, advising Mr. [redacted] of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of [redacted]. RPM’s telephone contact was on September 29, 2015. At that time, Mr. [redacted] disputed the debt. I listened to the recording of that call and RPM’s representative was professional, coded the account as a dispute and contacted our client for validation. That validation was received and mailed to Mr. [redacted] for his review. A copy of the validation is attached with this response for your records. The next contact with Mr. [redacted] was on November 30, 2015, at which time he again disputed this debt. I listened to that recording and RPM’s representatives mishandled the conversations and were not professional. Both of those employees are being disciplined and retrained. RPM wishes to apologize to Mr. [redacted] for any inconvenience our representatives caused. RPM has coded this as a dispute and ceased all collection activity. RPM has not reported this debt to any credit reporting agencies. 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

November 23, 2015Revdex.com1000 Station Dr. Suite 222DuPont, WA  98327Dear 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] is complaining that RPM is reporting a debt to the credit bureaus that is outside of the statute of limitations. She wants it removed from her credit report.  After a review of our records I offer the following response on behalf of RPM:RPM received this file from our client *-[redacted] on November 23, 2014. RPM mailed the initial dunning letter, advising Ms. [redacted] of the creditor, amount owed and her right to dispute under the Fair Debt Collection Practices Act (FDCPA).  Until receipt of the complaint from your office, RPM was not aware of any dispute or other issues with this debt. RPM has ceased collection activity and contacted our client for validation of this debt. Until we receive the validation from our client, RPM has sent a deletion request 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) 205-5726Very Truly Yours,Henry P. S[redacted]Senior Compliance Specialist

Complaint ID: [redacted]
RE: [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 a debt she paid in April 2016 which continues to appear on her credit history. She states that RPM first advised that it would ‘drop off’ within a couple of weeks and later stated that we were not credit reporting the account. After a review of our records I offer the following response on behalf of RPM:
 
RPM received Ms. [redacted]’s [redacted] account for collection on June 7, 2013. In late April of 2016 Ms. [redacted] paid the obligation in full. RPM notified [redacted] and the account was closed ‘paid in full’.  RPM’s business records reflect contact with Ms. [redacted] in June 2016 where she called inquiring about the credit reporting. It appears that the agent that spoke to Ms. [redacted] incorrectly advised her that the account was being credit reported by RPM and attempted to remove the account trade-line. RPM is not a data furnisher on behalf of [redacted], however is a data furnisher for numerous other clients. As a result, there is was no account trade-line which RPM could remove. This information was conveyed to Ms. [redacted] when she next contacted RPM on August 26th.
 
RPM has advised [redacted] of this matter. Data furnishers are required to accurately report the status of an account to the credit reporting agencies; if an account is paid it is reported as paid; accounts that are paid will not generally be removed by the data furnisher until the requisite time frame has passed (approximately seven years from delinquency).
 
RPM appreciates the opportunity to respond to this complaint. If you have additional questions regarding our handling of this matter or if RPM can be of further assistance to Ms. [redacted] I may be reached at (425) 412-2642
 
Very Truly Yours,
 
 
Mark *. C[redacted]