Receivables Performance Management LLC

March 15, 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] is complaining that RPM called her residence on March 9, 2016, trying to reach her daughter. She wants these calls to cease since her daughter does not live there. 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 [redacted]. 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 [redacted] telephone number and believed it to be a good number to reach our consumer. At Ms. [redacted]’s request a Do Not Call code has been placed on it. RPM apologizes for any inconvenience.
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

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]

August 17, 2015    Revdex.com1000 Station Dr. Suite 222DuPont, WA  98327 Email: [redacted].[redacted]@theRevdex.com.org  Case# [redacted]  Dear Ms. [redacted], I am in receipt of and have reviewed the above referenced rebuttal 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 she called RPM’s office; she was disconnected several times and not helped. She then called the collection agency she paid and they confirmed that the debt was paid. After a review of our records I offer the following response on behalf of RPM: RPM has checked its business records and can’t determine when or if Ms. [redacted] called our office. If our representatives were less than helpful, we apologize. Based on RPM’s earlier inquiry to our client [redacted], they just confirmed that the debt was paid. They instructed RPM to close the account and the three major credit bureaus were advised to delete any negative rating as of August 16, 2015.  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 ** S[redacted]Senior Compliance Specialist

Dear Ms. [redacted],   Please see Complaint ID [redacted] for further information regarding this matter.   In response to Ms. [redacted]’s first complaint referenced above, RPM stated that the account trade-line would be updated to reflect her dispute, not removed. RPM ceased further...

attempts to contact Ms. [redacted] upon receipt of her first complaint; thus the statement that calls have continued is incorrect.   RPM also reached out to Western Dental regarding the outstanding balance. Western Dental provided the attached account audit itemizing the charges incurred. According to Western Dental, Ms. [redacted] had initially agreed to having Perio Maintenance (D4910) and Sulcular irrigation (9632) on all four quads but did not received the services. Therefore the total of $227.00 was reduced from her contract balance. According to Western Dental, Ms. [redacted] is only being charged for patient for services rendered. It is Western Dental’s position that the balance is valid and owed. Ms. [redacted] may contact RPM to make payment toll free at 888-838-5123.   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

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 resolved an account with RPM, however it is still appearing on her credit history as unpaid. She requests the matter be updated to reflect her settlement. After review of our records I offer the following response on behalf of RPM:   Cincinnati Bell listed Ms. [redacted]’s account for collection with RPM on August 17, 2016. RPM’s business records reflect an agreement was reached on February 22, 2017 to resolve the obligation. Payment was applied to the balance however it appears there was a coding error with respect to closing the account as a settlement. The account has been properly closed as ‘settled in full’ and RPM has requested the account trade-line be updated to reflect the correct status.   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

Complaint: [redacted]I am rejecting this response because: Dish Network advised my wife and I that there was no final bill due (see attached chat) We also never recieved any other billing documents from Dish after the chat took place that would of indicated otherwise. We would have paid a final bill immediately had we not have been told by a Dish employee otherwise. Therefore the report was in error and needs to be completely removed from my report. The agency agreed to report as paid but this still negatively impacts my credit score. It needs to be rectified by the reporting agency so that its as if they never reported it orig.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]

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 put this matter at bay as I am sick and tired of it being an issue, but first I will address a few things. After reading the response of the company in question I still find each of my accusations to be true and of fair assessment. Rpm stated that they waited 2 weeks before sending out the "settled in full" letter in order to give the check an opportunity to clear. This just goes to show how each and every one of the employees at this establishment are on a different page as I did not provide them with a check but an over the phone debit that cleared my account on the very next day following payment to RPM. Also, they stated that I called on January the 22nd to request that the letter be sent. What they failed to mention was that there were MULTIPLE phone calls prior to that date where I had requested the letter/email that was never sent as well as attempting to speak with someone of seniority who could attempt to help me figure out this situation none of which ever happened. When I did speak with an employee on the 22nd I was told that a letter was mailed on the 18th of January. That too was a lie as I FINALLY received a half written letter of proof with a lack of content based on what had been represented to me. That letter was postmarked on the 20th of January. While I am aware that the 18th was a holiday, the 19th was not and the letter was NOT mailed until the 20th unlike what I was informed of. I hope that my issues with this company as well as their obvious dishonesty serve as a warning for anyone thinking about paying a debt to this company. Do yourself a favor and wait until they sell your debt to the next collector. This company is not worth the headache. Sincerely, [redacted]

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). RPM is a licensed third party collection agency operating in all fifty...

states and the District of Columbia. Mr. [redacted] states that RPM refuses to remove an incorrect collection account from his credit history. He requests the matter be removed, After review of our records I offer the following response on behalf of RPM:   AT&T placed Mr. [redacted]’s account in our office for collection in July of 2015. RPM’s business records reflect the account balance was paid directly to AT&T  in November 2015. RPM updated the account tradeline to reflect the paid status and returned the account to AT&T. RPM has since received several disputes to the account trade-line from Mr. [redacted] and have responded that the account is being accurately reported.   RPM appreciates the opportunity to respond to this matter and resolve the 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

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). RPM is a third-party collection agency operating in all fifty states and...

the District of Columbia. Mr. [redacted] states that he discovered a past due debt owed to Sprint and called RPM to pay the debt in exchange for removing the debt from his credit history. RPM was unable to agree to this request. After review of our file, I offer the following response on behalf of RPM.   Sprint placed Mr. [redacted]’s account with RPM for collection on September 17, 2017. On September 19th, 2017, RPM sent Mr. [redacted] a notice identifying the debt, creditor, and his 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 and have no record of it being returned undeliverable. RPM also attempted to contact Mr. [redacted] at several telephone numbers provided by Sprint prior to credit reporting the account on their behalf but have no record of making contact with him. After speaking with our agents and being advised we could not agree to remove the credit reporting in exchange for payment, Mr. [redacted] paid the bill on March 17th.   As a data furnisher to the credit reporting agencies, RPM is required under federal law to report complete and accurate information. The account has been updated to reflect that it is paid in full. RPM apologizes that we are unable to accept Mr. [redacted]’s request in this instance and apologize if any of our agents were anything less than respectful. We have searched for a recording of the call in question but are unable to locate a copy of it, thus I am unable to comment further on what transpired, however we have met with the agents involved.   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. 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 she was contacted by RPM for a...

debt allegedly owed to DIRECTV at a service address she has not resided at in ten years. Ms. [redacted] requests the matter be removed from her credit report as it is fraudulent. After review of our file and contacting our client, I offer the following response on behalf of RPM.   DIRECTV placed Ms. [redacted]’s account with RPM for collection on May 29, 2017. On May 31st, RPM sent Ms. [redacted] a notice identifying the debt, creditor, and her rights under the Fair Debt Collection Practices Act (FDCPA). The notice was returned undeliverable on June 9th. RPM also attempted to contact Ms. [redacted] at a telephone number provided by DIRECTV, however have no record of speaking to her. Until receipt of this complaint, RPM was unaware that the account was disputed or potential fraud. RPM has requested removal of the account trade-line from Ms. [redacted]’ credit history.   Upon receipt of this complaint, RPM notated the account as possible fraud. It is DIRECTV’s policy for a customer claiming fraud to complete and return the attached ID Theft Affidavit to: Directv I.D/Theft 2230 Imperial Hwy El Segundo, CA 90245 Ms. [redacted] may also visit www.directv.com/notmyaccount to provide further information regarding his claim.   RPM appreciates the opportunity to respond to this matter. The account has been recalled by DIRECTV and RPM is no longer handling the 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) 412-2642.   Very Truly Yours,     Mark ** C[redacted] General Counsel

Dear Ms. [redacted]:We are in receipt of your letter. Upon completion of our investigation, we do not have sufficient information at this time tomake a determination of the dispute.If you would like us to reinvestigate this claim, please provide sufficient information defining the dispute and...

anydocumentation that supports the dispute reasoning.

April 19, 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 complaining that she settled in full (SIF) this debt and RPM only updated the rating to two of the three major credit bureaus. Then RPM refused to update the third. In addition she states she never received a SIF letter and called RPM’s escalation department several times and got no help.  After a review of our records I offer the following response on behalf of RPM:
RPM did negotiate a SIF with Ms. [redacted] and it was paid on 2016April 5, 2015. Our client, AT&T Wireless adjusted the unpaid portion of the balance on April 24, 2015 and the status showed as paid in full (PIF). That rating was sent electronically to all three major credit bureaus on April 26, 2015 and again on September 6, 2015. Reviewing RPM’s business records, I can’t locate any inbound calls made by Ms. [redacted]. However RPM’s records do reflect two letters received April 3, 2016 and April 9, 2016 asking for the rating at the credit bureaus to be deleted. RPM is governed by Federal law that requires accurate credit bureau reporting. In order to ensure a proper credit bureau rating, RPM again sent the proper PIF code to the three major credit bureaus through our EOSCAR system on April 18, 2016. That tracking number is AUD [redacted]. A SIF letter was sent to Ms. [redacted] on April 18, 2016 as well.
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 that RPM is reporting an account to her credit history that should not...

be there. She claims she received no notices pertaining to the collection matter at issue and requests the matter be removed from her credit history. After review of our file and contacting our client, I offer the following response on behalf of RPM.   DIRECTV placed Ms. [redacted]’s account with RPM for collection on July 27, 2017. On July 29th, 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 received no response to this notice. RPM’s business records reflect a conversation with Ms. [redacted] on September 19th, however no arrangements were made and Ms. [redacted] stated she would call back.   Upon receipt of the complaint, RPM contacted DIRECTV who provided the attached account statement as verification of the debt. It is DIRECTV’s position that the balance is owed. After review of the information, Ms. [redacted] is welcome to contact RPM to discuss options for resolving the obligation. If paid, RPM would update the account trade-line to reflect the paid status of the account.   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) 412-2642.   Very Truly Yours,     Mark T. C[redacted] General Counsel

July 28, 2015    Revdex.com1000 Station Dr. Suite 222DuPont, WA  98327 Email: [redacted]@theRevdex.com.org  Case# [redacted]  Dear Ms. [redacted], I am in receipt of and have reviewed the above referenced second 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] is alleging that RPM agreed to report the debt as paid in full to the three major credit bureaus and has failed to do so.  After a review of our records I offer the following response on behalf of RPM: This debt was electronically reported to the three major credit bureaus as “Paid in Full” on June 28, 2015. RPM has no control over how long it takes any of the three major credit bureaus 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[redacted] Very Truly Yours,  Henry P. S[redacted]Senior Compliance Specialist

Complaint: [redacted]
I am rejecting this response because:I asked this business several times to provide written evidence that they were in fact a legitimate collection agency working on behalf of sprint. At the time I had paid sprint in full I had recieved no written evidence that they were legitimate and had read several reviews of their business by others claiming they were illegitimate. By the time I had received any written formal letter I had since long paid sprint and had no I'll effects on my credit report. It was only after paying sprint that they had decided to report to my credit bureaus. My transunion report still shows that I owe the full balance, even though I had paid in full prior to them reporting. This business is irresponsible in how it notifies individuals of their collections and has no right to make the consumer assume they are legitimate without written notification. After speaking to their representative over the phone I had told them I would feel better paying sprint directly and he said if I did they would make positive to damage my credit report. They are caustic and irresponsible, I have no other collections but this one and have never said I was unable to pay the amount owed. I was unwilling to release my money without proper representation as the correct holder of my debt. After receiving the call I promptly paid sprint in full as I was unaware that the situation had proceeded to the point it had and was assured by a sprint representative at that point that further action would take place as the debt was paid in full. 
Sincerely,
[redacted]

May 11, 2016
Revdex.com
1000 Station Dr. Suite 222
DuPont, WA  98327
Email: [redacted]
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] is now alleging that RPM gave her false information to induce payment; gave the credit bureaus a false address; never sent her any mail and never confirmed the payment in full. After a review of our records I offer the following response on behalf of RPM:
RPM received this file from our client Dish with an address of [redacted]. RPM mailed the initial dunning letter to that address on October 17, 2015. Later RPM obtained an address of [redacted] and sent a letter to that address on January 19, 2016. On March 5, 2016, RPM obtained the [redacted] address and sent mail to that address. Any updates to the credit bureau, the initial reporting and the May 1, 2016 payment in full updating, reflected the last known address of Ms. [redacted]. RPM’s business records reflect the first telephone contact with Ms. [redacted] was when she called our office and agreed to pay the balance in full. RPM’s policy is to verify that we are speaking with the right party so our representatives would have asked for a current address. Ms. [redacted] should have received the paid in full letter from RPM as confirmation of the payment. Additionally our initial response also indicated she paid the balance in full. RPM does not agree with Ms. [redacted]’s allegation of false information being given at any time.
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 ** S[redacted]
Senior Compliance Specialist

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 is not responsible for a debt RPM attempted to collect on behalf of Dish. He requests no further contact and that the matter be removed from his credit history. After review of our records and contacting our client I offer the following response on behalf of RPM:   RPM received an account in the name of [redacted] from our client Dish for collection on September 8, 2016. Beginning September 11, 2016 RPM sent several notices identifying the debt, creditor, and the consumer’s rights under the Fair Debt Collection Practices Act (FDCPA) to two separate address on [redacted] in Tucson, AZ. These notices were returned as undeliverable. RPM’s business records reflect the account was updated with Mr. [redacted]’s current address on [redacted] sometime thereafter.   RPM’s business records reflect receipt of a letter from Mr. [redacted] on January 27, 2017 where he requested no further communication and claimed that the account was the result of fraud. RPM notated our file accordingly and ceased further attempts to contact Mr. [redacted]. The last four digits of the Social Security number of the individual responsible for the account are [redacted]. If these are not the last four digits of Mr. [redacted]’s Social Security number, he may disregard the letters he received as they were sent to him in error. If these are the last four digits of his Social Security number RPM suggests he contact Dish regarding the fraud claim. Dish recalled the account from our office shortly after receipt of Mr. [redacted]’s letter and RPM is no longer handling the matter. RPM has requested removal of the account trade-line from Mr. [redacted]’s credit history.   RPM appreciates the opportunity to respond to this matter and resolve it to Mr. [redacted]’ satisfaction. If you have questions regarding RPM’s handling of this matter or if we 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

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 would like the false information removed from my credit report. Since I never owed this debt. It's still showing on my credit report. Please remove asap.
Sincerely,
[redacted]

After review of Ms. [redacted]’s rebuttal and conferring with our client I offer the following reply on behalf of RPM and AT&T: Ms. [redacted] has provided no evidence or disputed any particular charge on her account. Instead she makes a blanket accusations without any supporting documentation or evidence. It is the position of AT&T that balance as calculated is valid and owed.