Receivables Performance Management LLC

RE: [redacted] Complaint ID: [redacted] Dear Ms***, 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 ColumbiaMr [redacted] states that he never received a validation notice from RPM and disputes a debt RPM attempted to collect on behalf of [redacted] He requests RPM cease further attempts to contact him and remove the account from his credit historyAfter review of our file and contacting out client, I offer the following response on behalf of RPM [redacted] placed Mr [redacted] ’s account with RPM for collection on November 5, On November 9, 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 complaintRPM did not receive a response to this notice and have no record of it being returned undeliverableRPM’s first contact with Mr [redacted] occurred January 24, where he offered to pay the debt in exchange for removal from his credit historyUpon receipt of the complaint, RPM contacted [redacted] who provided the following response and account statements: “ [redacted] regrets any concerns that Mr [redacted] has regarding the balance on his account [redacted] records confirm that Mr [redacted] activated service with [redacted] on December 27, 2015, and was subscribed to the Simple Choice rate plan for $plus applicable taxes for his mobile numbers ending in and [redacted] records confirm that the December 28, 2015, billing statement was provided and reflected a balance of $ This balance included new charges for services from December 28, 2015, through January 27, As Mr [redacted] did not remit payment the balance was forwarded to the following billing statement Records confirm that Mr [redacted] canceled his account on January 26, 2016, when he ported his mobile numbers to another service provider Mr [redacted] ’s billing cycle ran from the 28th of one month to the 27th of the following month Pursuant to [redacted] policy, customers may be billed through the end of their current billing cycle if they cancel their service mid-cycle Accordingly, Mr [redacted] was billed through January 27, Mr [redacted] ’s final billing statement dated January 28, 2016, was provided which reflected a balance of $ This balance included the past due balance of $and new charges for taxes totaling $ Please note that payment was not received for the balance due Since the account remained unpaid, Mr [redacted] ’s account was referred to a third-party collection agency for the collection of the past due balance As stated in our Terms and Conditions, accounts that are referred to a third-party collection agency may be charged a one-time collection fee The amount of a collection fee is determined by the amount of the past due balanceAccordingly, a one-time collection fee in the amount of $was charged to Mr [redacted] ’s account, which left a revised final balance in the amount of $ Based on the above findings, it is [redacted] ’s position that the balance on Mr [redacted] ’s account is valid and owed Between the dates of April 27, 2016, and November 7, 2017, Mr [redacted] ’s account was referred to several different third-party collection agencies, and currently resides with Receivables Performance Mgmtwho can be contacted at 1-866-367- Mr [redacted] was contacted on February 6, 2018, at which time [redacted] agreed to issue a credit to the account in the amount of $114.41, leaving a revised balance of zero [redacted] has requested the removal of Mr [redacted] ’s account from third-party collections and instructed the collection agency to delete any negative information reported to the credit bureaus relating to this account Please note that it may take up to days for the credit report to be updated Finally, [redacted] has notified Receivables Performance Mgmtto cease and desist all collection efforts against Mr [redacted] .” RPM has requested removal of the account trade-line pursuant to [redacted] ’s request and have closed our fileRPM 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 Mr [redacted] please contact me directly at [redacted] Very Truly Yours, Mark TC [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 ColumbiaMs [redacted] states that RPM processed a payment before the agreed upon date resulting in an overdraft feeShe requests RPM refund any overdraft feeAfter review of our records and contacting our client I offer the following response on behalf of RPM: Windstream placed Ms [redacted] ’s account in our office for collection on May 12, On July 17, 2017, RPM spoke to Ms [redacted] who agreed to make full payment on the debtThe payment was processed that same dayAfter review of a recording of the call, it is clear that the payment was supposed to be processed on July 31, The representative involved has been reprimandedThe account is now paid in fullRPM will reimburse Ms [redacted] for any overdraft fees incurred as a result of this errorMs [redacted] may email proof of the overdraft fees to [redacted] @receivablesperformance.com and cc myself at ***@receivablesperformance.com RPM appreciates the opportunity to respond to this matter and sincerely apologize to Ms [redacted] for the errorIf 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- Very Truly Yours, Mark TC [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). Mr. [redacted] states that RPM would not provide him with a telephone number or other contact information... for a representative at [redacted] in response to his request to speak to them directly prior to agreeing to a settlement. After review of our file and contacting our client, I offer the following response on behalf of RPM. [redacted] listed Mr. [redacted] ’s account with RPM for collection on September 14, 2017. RPM is a third-party collection agency retained by [redacted] to collect on their behalf. RPM is authorized to settle the account on [redacted] ’s behalf. Putting Mr. [redacted] in direct contact with [redacted] defeats the purpose of [redacted] retaining RPM to collect the past due balance. RPM will gladly send Mr. [redacted] written confirmation of any settlement offer agreed to. Additionally, RPM sent Mr. [redacted] a letter offering him the very settlement which lead to this complaint. Mr. [redacted] is free to contact [redacted] on his own accord, however [redacted] will likely direct him back to RPM since the account is in collections. RPM appreciates the opportunity to respond to this matter and apologize for any inconvenience. 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 [redacted] . Very Truly Yours, Mark T. C [redacted] General Counsel

January 13, 2016 RevDex.com 1000 Station Dr. Suite 222 DuPont, WA 98327 Email: [redacted] @thebbb.org Case# [redacted] , [redacted] *. [redacted] Dear Ms. ***, 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

August 17, Revdex.comStation DrSuite 222DuPont, WA Email: [redacted] .***@theRevdex.com.org Case# [redacted] , [redacted] *** Dear Ms***, 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 ColumbiaMs***’s complaint is she called RPM’s office; she was disconnected several times and not helpedShe then called the collection agency she paid and they confirmed that the debt was paidAfter 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 officeIf our representatives were less than helpful, we apologizeBased on RPM’s earlier inquiry to our client [redacted] , they just confirmed that the debt was paidThey instructed RPM to close the account and the three major credit bureaus were advised to delete any negative rating as of August 16, RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at [redacted] Very Truly Yours, Henry [redacted] S [redacted] Senior Compliance Specialist

May 18, 2016 RevDex.com 1000 Station Dr. Suite 222 DuPont, WA 98327 Email: [redacted] @thebbb.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 [redacted] S [redacted] Senior Compliance Specialist

December 1, 2015RevDex.com1000 Station Dr. Suite 222DuPont, WA 98327Email: [redacted] Case# [redacted] Dear Ms. ***,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. She is disputing this debt and claims RPM sent her validation documents that are for someone else living at a different address. In addition she claims our client refunded the balance to her. After a review of our records I offer the following response on behalf of RPM:In RPM’s November 24, 2015 response, a copy of the validation (the October 2, 2014 statement in her name) was attached and sent to your office. RPM has sent our client a copy of the “refund” check and asked for an explanation. When that is received, we will forward that to Ms. [redacted] - [redacted] for her 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 [redacted] Very Truly Yours,Henry P. 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 meI will say however, that I did speak with a representative on the phone and then requested to be not called and they still calledBut all is well.Sincerely, [redacted]

February 1, 2016 RevDex.com 1000 Station Dr. Suite 222 DuPont, WA 98327 Email: [redacted] @thebbb.org Case# [redacted] , [redacted] Dear Ms. ***, 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 he previously paid this debt to another collection agency and now RPM is trying to collect. In addition RPM reported this to his [redacted] bureau and never notified him. 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 23, 2015. RPM mailed the initial dunning letter to Mr. [redacted] , on October 26, 2015, advising him of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of [redacted] ***. When RPM received the dispute from your office, we immediately ceased collection, coded the account as a dispute and contacted our client. After researching this dispute our client has recalled the account. As part of the recall process a deletion notice has been sent to the three major [redacted] bureaus. RPM apologizes to Mr. [redacted] 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 P. S [redacted] Senior Compliance Specialist

Complaint: [redacted] I am rejecting this response because: I had responded to RPM regarding the balance due of $115.97 from [redacted] . Please find the attached copy of the letter that I had sent on 5/30/16. I would appreciate that this be resolved as soon as possible, I had responded to RPM within the 30 day time frame that was required. Please advise.Sincerely, [redacted]

RE: [redacted] Complaint ID: [redacted] Dear **. [redacted] , 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 working on behalf of creditors such as [redacted] . Mr. [redacted] ... was contacted by RPM via letter for a debt that is not his. Mr. [redacted] states that she has never done business with [redacted] and that the account statements he was provided show a different middle initial than his. He requests no further contact from RPM. After review of our file and contacting our client, I offer the following response on behalf of RPM: [redacted] listed an account in the name of [redacted] with RPM for collection in October 2017. The last four digits of the Social Security number of the consumer responsible for the account are ***. If this does not match Mr. [redacted] SSN, then he can disregard the notice as it appears he was contacted in error. The last known address originally provided by [redacted] was different than the address where Mr. [redacted] resides, however Mr. [redacted] ’s address was later provided to RPM by a third-party data vendor as the correct address for the consumer responsible for the debt. It now appears this address was also incorrect. RPM appreciates the opportunity to respond to this matter and apologize for any inconvenience this may have caused Mr. [redacted] . RPM will cease further attempts to contact Mr. [redacted] regarding this matter. If you have additional questions or if RPM may be of further assistance to Mr. [redacted] , please contact me directly at [redacted] . Very Truly Yours, Mark T. C [redacted] General Counsel

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-for $ 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 ***Please see attached [redacted] Sincerely, [redacted]

February 25, Revdex.com Station DrSuite DuPont, WA Email: [redacted] .***@theRevdex.com.org Case# [redacted] , [redacted] Dear Ms***, 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 ColumbiaMr [redacted] feels he is near the end of his payment plan and was trying to get an updated balanceWhile calling RPM he felt mistreated: rude representatives who talked over him or just hung up his callsHe feels RPM should discontinue collection efforts on the remaining balanceAfter a review of our records I offer the following response on behalf of RPM: RPM negotiated a Settlement in Full (SIF) on this account with Mr***Mr [redacted] paid four payments, with the last one received on February 21, RPM has updated the status to SIF and reported that to the three major credit bureausRPM apologizes to Mr [redacted] for any discourtesy or issues he had when calling RPM RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at [redacted] Very Truly Yours, Henry PS [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. 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] ***

RE: [redacted] * [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] alleges that RPM purchased a debt from Sunrise Collection and have called him ten times per dayHe also states that he was unable to make payment arrangements on RPM’s website and was told to mail in a check which he didHe states the payments he offered to make when speaking to RPM were rejectedAdditionally, he states that the account is now being reported to his credit history and he requests that it be removedAfter review of our file, I offer the following response on behalf of RPMAT&T listed Mr [redacted] ’s account with RPM for collection on November 29, On December 1, 2017, RPM sent Mr [redacted] a notice identifying the debt, creditor, and his rights under the Fair Debt Collection Practices Act (FDCPA)RPM’s business records reflect a conversation with Mr [redacted] that day however no resolution was reached regarding payment arrangementsSubsequently, RPM recevied several notices from Mr [redacted] requesting RPM cease attempts to communicate with him by telephone and limit all communication to writingRPM complied with Mr [redacted] ’s request and ceased further call attemptsRPM received a telephone call from Mr [redacted] on January 26, where he stated that he had attempted to make a payment on-line, however the portal was not workingRPM’s agent advised Mr [redacted] that he could mail in a paymentA payment of $was received and applied to the $balance on February 6, The remaining balance on the account is $Mr [redacted] is welcome to contact RPM toll free at 866-367-to discuss monthly payment arrangementsAT&T has directed RPM to continue reporting the account trade-line to Mr [redacted] ’s credit history as the charges have been sustained and the account remains unpaidRPM 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 Mr [redacted] please contact me directly at (425) 412-Very Truly Yours, Mark TC [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 ColumbiaMs [redacted] states that she requested a notice regarding a debt RPM has attempted to collect on behalf of DIRECTVShe states she was sent a notice by email on April 3rd, however requested it be sent via UPSShe verbally requested validation of the debt and to date has not received itShe requests validation of the debt and the matter removed from her credit historyAfter review of our records and contacting our client I offer the following response on behalf of RPM: DIRECTV placed Ms***’s account in our office for collection on March 20, 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 undeliverableRPM also attempted to contact Ms [redacted] by telephoneRPM’s first contact with Ms [redacted] occurred April 3rd and she was sent another notice via email at that timeThe FDCPA requires a notice be sent within five days of a debt collector’s initial communication with a consumerAs previously indicated that notice was sent March 12th ahead of any communication with Ms***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 disputeRPM has no record of receiving a written dispute or request for validation from Ms [redacted] prior to receipt of this complaintRPM has treated this complaint as Ms***’s written request for validationRPM was put on notice of a verbal dispute from Ms [redacted] on April 17th and ceased collection activity and requested validation from DIRECTVTo date, DIRECTV has not provided validation to RPMOnce received, RPM will forward the requested verification to Ms***Pursuant to the Fair Credit Reporting Act (FCRA), RPM updated the account trade-line to reflect Ms***’s dispute RPM appreciates the opportunity to respond to this matter and resolve the matter to Ms***’s satisfactionIf 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 [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 ColumbiaMs [redacted] states that she recently settled a delinquent Verizon account with RPM, however was not advised of a $convenience fee for making payment over the phoneShe requests a refund of the $chargeAfter review of our records and contacting our client I offer the following response on behalf of RPM: Verizon listed Ms***’s account with RPM for collection March 3, 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, Ms [redacted] was charged a $convenience fee to process the payment over the telephoneIn states where permitted, RPM charges a convenience fee for credit card payments over the telephone to cover our cost of processing the paymentIt is RPM’s policy to offer consumers a free payment option to make payment via our web site or by mailing in a checkRPM searched for a recording of our agent’s interaction with Ms***, however the call was not recordedAccordingly, we have issued a refund of the $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 inconvenienceIf 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 [redacted] General Counsel

To Whom it May Concern; A signed contract is not required. RPM has forwarded Ms. [redacted] 's request for verification to [redacted] and will provide documents once received. Mark *. C***General Counsel

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 sprintAt 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 illegitimateBy the time I had received any written formal letter I had since long paid sprint and had no I'll effects on my credit reportIt was only after paying sprint that they had decided to report to my credit bureausMy transunion report still shows that I owe the full balance, even though I had paid in full prior to them reportingThis 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 notificationAfter 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 reportThey are caustic and irresponsible, I have no other collections but this one and have never said I was unable to pay the amount owedI was unwilling to release my money without proper representation as the correct holder of my debtAfter 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] ***

Case # *** RE: *** *** After conducting a search with the information provided in the complaint, consisting of Mr***’s name, address, and daytime phone number RPM is unable to locate the account in questionRPM has no active accounts in our database in Mr
***’s nameRPM does not perform collection services for MCIRPM does perform collection services on behalf of Verizon, however does not furnish data to the credit reporting agencies on their behalfIf Mr*** has additional phone numbers or other relevant information such as the account number at issue he may send it to: [email protected] If RPM may be of further assistance to Mr*** please contact me directly at (425) 412-Thank You, Mark *C*** General Counsel