Receivables Performance Management LLC

Complaint ID # *** RE: *** * *** Dear Ms***, I am in receipt of and have reviewed the above referenced complaint filed by Mr*** against Receivables Performance Management, LLC (RPM)Mr*** states that RPM has reported an AT&T account that is not his
multiple times to his credit historyHe requests the matter be removed from his credit and confirmation that the account is not hisAfter review of our file I offer the following response on behalf of RPM: AT&T listed an account in Mr***’s name with RPM for collection on May 18, The last four digits of the Social Security number of the individual listed on the account are The address on file is *** * *** *** *** **An individual by the name of *** * *** is listed as an authorized user on the accountRPM first reported the account to Mr***’s credit history on August 5, RPM contacted AT&T who provided the attached signed contract for Mr***’s reviewAT&T’s records indicate that on October 23, Mr*** claimed the account was the result of fraudAccording to AT&T a fraud packet was sent to Mr*** but never returnedIt is AT&T’s position that until Mr*** speaks with their fraud department and returns the requested documents AT&T will not deem the account fraudRPM has requested removal of the account trade-line pending Mr***’s response to AT&T RPM appreciates the opportunity to respond to this matterIf you have questions regarding RPM’s handling of this matter or if RPM may be of any further assistance to Mr*** please contact me directly at (425) 412- Very Truly Yours Mark *C*** General Counsel

RE: *** *** Complaint ID: *** To Whom It May Concern; I am in receipt of and have reviewed the complaint filed by Ms*** against Receivables Performance Management, LLC (RPM)Ms*** states that an account continues to appear on her credit history that PRM said would be removed
in the summer of She requests RPM remove the account from her credit history*** *** *** listed Ms***’s account with RPM for collection in October RPM was advised by *** *** that the account was paid in December RPM closed the account and updated the trade-line to reflect paymentRPM agreed to remove the account from Ms***’s credit history in August and sent a request, however it appears that the requests was not processed by at least one of the credit reporting agenciesRPM will submit another request to remove the trade-lineMs*** should allow up to thirty days for the credit reporting agencies to process the requestRPM appreciates the opportunity to resolve this matter to Mr***’ satisfactionIf you have additional questions, please feel free to contact me directly at ***Very Truly Yours, Mark TC*** General Counsel

Complaint: ***I am rejecting this response because:The collection action still remains on my credit report from Trans Union and ExperianPlease delete this negative entry and send me s copy of your letters to each credit agency as proof Sincerely,*** ***

Complaint: ***
I am rejecting this response because: I do not have to bring an individual matter to the attention of AT & T since the FTC and multiple attorney generals acted in the public's best interestHowever, I am requesting copies of every single bill generated by AT & T so I can dispute the billing practices dating back to If you cannot generate a bill for every month since I was a customer, I am demanding removal from all reporting credit bureausIf your company fails to comply with my request, I will bring issue to the forefront regarding collection practices of your company and AT & T. validity and credibility of the corporate giant.
Sincerely,
*** ***

May 16,
Revdex.com
Station DrSuite
DuPont, WA
Email: ***@theRevdex.com.org
Case# ***, *** ** ***
Dear Ms***,
I am in receipt of and have reviewed the above referenced complaint filed by Mr*** against Receivables
Performance Management, LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states and the District of ColumbiaMr*** is complaining that he doesn’t know who RPM is, never received any mail from them, however he is upset because we reported an active collection to the credit bureauHe is trying to buy a house and wants this removed from his report After a review of our records I offer the following response on behalf of RPM:
RPM received this file from our client Dish on March 17, RPM mailed the initial dunning letter on March 18, 2016, advising Mr*** of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of *** *** *** Dryden, TX RPM began making unsuccessful telephone attempts to*** *** as wellRPM sent correspondence to Mr*** on May 3, 2016, to his e-mail address as wellUpon being advised of his dispute, RPM contacted our client for validationThat validation has been received and is attached with this responseAfter reviewing the attached validation, Mr*** can contact RPM’s escalation department at (888) 838-
RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at (425) 205-
Very Truly Yours,
Henry** S***
Senior Compliance Specialist
Attachment: validation statements

Date Sent: 10/12/3:32:PMComplaint ID:*** *** Dear Ms***, I am in receipt of and have reviewed the above referenced complaint filed by Ms*** against Receivables Performance Management, LLC (RPM)Ms*** previously filed a similar complaint with the Revdex.com (ID ***) to which RPM respondedMs*** has also filed a complaint with the Consumer Financial Protection Bureau regarding these eventsMs*** continues to take issue with the fact that RPM reported her delinquent Dish account to the credit reporting agencies despite the fact that she waited several months to pay it once placed in collections. RPM received Ms***’s Dish account for collection on May 8, On May 11th, RPM mailed Ms*** a notice advising her of the debt, amount owed, and her rights under the Fair Debt Collection Practices Act (FDCPA)RPM received no response to this noticeRPM’s business records reflect no contact with Ms*** by telephone despite multiple attempts to contact herOn August 10th, Dish advised RPM that Ms*** had paid the account balance directly to themThe account trade-line was updated to reflect the paid status. Ms*** attaches a letter to her complaint that was never received by RPMThe letter was sent to our mail vendor where undeliverable mail is returnedAdditionally, the letter does not request anything of RPM, dispute the underlying debt, or request verificationMs*** stated that she would review her documents and pay the obligation, however it took her several months to do so and the account was credit reported in the interim. As a data furnisher to the credit reporting agencies, RPM has contractual and legal obligations to furnish accurate informationIt is our belief that Ms***’s account is being accurately reported as paid in fullUpon receipt of this complaint Dish advised that Ms*** reactivated her service and has been current on her account the past two monthsAs a result, Dish has requested that RPM remove the account trade-line from Ms***’s credit history. RPM appreciates the opportunity to respond to this matter and hope this resolution is satisfactory to Ms***If you have additional questions regarding our handling of this matter I can be reached at (425) 412-2642 Very Truly Yours, Mark *C***General Counsel

September 22, 2015 Revdex.comStation DrSuite 222DuPont, WA 98327 Email: ***@theRevdex.com.org Case# ***, *** *** Dear Ms***, I am in receipt of and have reviewed the above referenced complaint
filed by Mr*** against Receivables Performance Management, LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states and the District of ColumbiaMr*** is disputing this debt and RPM’s reporting it to the credit bureauHe wants the report deleted from his credit bureau file After a review of our records I offer the following response on behalf of RPM: RPM was not aware of any dispute until we received the complaint from your officeRPM immediately ceased collection activity, coded the account as a dispute and contacted our clientRPM’s client *** has responded and below is their validation comments: “Our records confirm that Mr*** billing cycle ran from the 29th of the month to the 28th of the following month with payment due on the 21st of each month. It is important to note that Mr*** account was billed in arrears. *** records confirm that on December 29, 2012, Mr*** billing statement was mailed to him showing an outstanding balance of $763.01, which included a past due balance of $485.37, and monthly access charges, usage charges, late fees and applicable taxes totaling $277.64, for services from November 29, 2012, through December 28, 2012. Records confirm that on January 4, 2013, Mr*** remitted payment in the amount of $485.37, reducing his outstanding balance to $277.64. As payment was not received for the full balance, $was carried over to Mr*** following billing statement. On January 29, 2013, Mr*** billing statement was mailed to him showing an outstanding balance of $421.67, which included the above past due balance, and current charges of $for monthly access charges, usage charges and applicable taxes for service from December 29, 2012, through January 28, 2013. On February 1, 2013, Mr*** remitted payment in the amount of $277.64, which reduced his balance to $144.03. On February 15, 2013, Mr*** February 1, 2013, payment of $was returned to *** as unpaid, bringing his balance to $421.67. There were no further payments made to ***. Further records confirm that on February 20, 2013, Mr*** transferred his numbers ending in *** and *** to another carrier, canceling his *** account. It is important to note that mobile number ending in *** had a contract end date of January 6, 2014, and number ending in *** had a contract end date of April 4, 2014. On March 1, 2013, Mr*** final billing statement was mailed to him showing an outstanding balance of $1,773.67, which includes the above past due balance of $421.67, monthly access charges, late fees, usage fees, early termination fees and applicable taxes totaling $1,352.00. As payment was not made for the outstanding balance of $1,773.67, Mr*** account was referred to a third party agency, ***, for collection purposes and a one-time non-refundable collection fee in the amount of $was assessed to his account bringing his outstanding balance to $2,130.84. Since *** was unable to collect the outstanding balance, on December 4, 2013, Mr*** account was referred to another third party agency, *** *** ***., for collection purposes. Finally, since *** *** ***., was unable to collect the balance, on December 14, 2014, Mr*** account was referred to Receivables Performance Management, where it now resides. Mr*** account remains closed with an outstanding balance of $2,130.84.” If Mr*** wishes to contact our escalation department to negotiate this now validated debt, he can call *** *** His RPM account number is *** RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at *** *** Very Truly Yours, Henry** S*Senior Compliance Specialist

July 6, 2015 Revdex.comStation DrSuite 222DuPont, WA 98327 Email: ***@theRevdex.com.org Case# ***, *** *** Dear Ms***, I am in receipt of and have reviewed the above referenced complaint filed by Ms***
against Receivables Performance Management, LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states and the District of ColumbiaMs*** is alleging that entered into a Settlement in Full (SIF) agreement with RPM and then paid the agreed upon two payments, however RPM is continuing to report this debt to the credit bureaus as an active collection After a review of our records I offer the following response on behalf of RPM: RPM and Ms*** negotiated a SIF payment plan regarding this accountShe then paid the two payments, one on May 15, and the second on June 4, Ms*** called RPM on June 22, and was advised that within hours the SIF rating would be reported to the three major credit bureausRPM subsequently sent the proper credit bureau rating to the credit bureaus. RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at*** *** Very Truly Yours, Henry PS***Senior Compliance Specialist

Complaint: ***
I am rejecting this response because: I did not receive any correspondence from RPM as they claim to have until days after I filed the complaint to the Revdex.com on 7/18/A claim to have sent me any correspondence is not proofIf I had received anything I would have handled the situation appropriatelyI filed the complaint as soon as I received an alert that my credit report had a new collection addedFurthermore, the alleged debt in question still has not been validated nor have they furnished a contract with any signature proving that I am the one that owes it.I will continue my dispute with the Consumer Financial Protection Bureau and each of the credit reporting agencies individually until my resolution, the complete removal of any and all collection reporting, has been fulfilled.
Sincerely,
*** ***

Complaint: ***I am rejecting this response because:
I have spoken with representatives at both Transunion and Experian- neither of them have EVER received information from RPM regarding this account being removed- not in January nor this monthI have just confirmed this on the phone with both of themFurther, RPM is most certainly blocking my callsI did it again today where when I call from my phone, no one answers or it immediately stops ringing, but two seconds later when I call from someone else's phone, they pick upI even tried hooking my phone number up to a different physical phone, just to make sure it was not my phone and the same thing happenedI would be willing to do this all live on a video feed to prove they are absolutely rejecting my callsAlso, they are lying about submitting a request to have it be removed from the credit bureaus, as I have just re-confirmed this information with them todayAlso, I have still not received the email stating that this account is being removed from RPM, as they stated they would send me last weekThey are blatantly lying with everything the said in their response.
Sincerely,*** ***

January 5,
Revdex.com
Station DrSuite
DuPont, WA
Email: ***@theRevdex.com.org
Case# ***, *** * ***
Dear Ms***,
I am in receipt of and have reviewed the above referenced complaint filed by Mr*** against
Receivables Performance Management, LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states and the District of ColumbiaMr*** is complaining about the number of daily calls he is receiving and wants them stoppedHe is also complaining that when he called our office to tell us to stop calling he was disconnectedAfter a review of our records I offer the following response on behalf of RPM:
RPM received this file from our client Dish on October 5, RPM mailed the initial dunning letter to Mr***, on October 8, 2015, advising him of the creditor, amount owed and his rights under the Fair Debt Collection Practices Act (FDCPA) to the address of *** *** *** *** *** *** ** *** RPM did begin making telephone attempts, without success, to contact Mr***In December, 2015, RPM’s dialer malfunctioned and on a couple of days we attempted to call Mr*** too many timesThat problem has been correctedRPM apologizes for any inconvenience we may have causedRPM’s business records indicate Mr*** advised our office to stop calling on December 30, and a “Do Not Call” code was entered.
RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at (425) 205-
Very Truly Yours,
Henry PS***
Senior Compliance Specialist

RE: *** *** Complaint ID: *** To Whom It May Concern, I am in receipt of and have reviewed the complaint filed by Ms*** against Receivables Performance Management, LLC (RPM)Ms*** requests that her father be permitted to pay a settlement offer previously extended to her
over time and without providing his credit card informationAfter review of our file and contacting our client I offer the following response on behalf of RPM: RPM is a third-party collection agency working on behalf of Suncoast Schools FCU and other creditorsSuncoast listed the subject account with RPM for collection on December Since that time RPM has sent multiple letters and made multiple attempts to contact Ms*** by telephone regarding the past due balanceThe most recent notice offered to resolve the balance for approximately 70% of the balance owed, or $provided payment was received by August 25thOffering a consumer a discounted balance is incentive for the consumer to pay the full settlement value in a lump sumTypically, if a creditor is willing to accept payments over time when an account is in collections, the payments are on the full balanceRPM will agree to re-extend the settlement offer to Ms*** to pay $by September 20thAlternatively, Ms*** may make payments on the full balanceMs*** or her father are welcome to mail a check to our office if they are uncomfortable providing their credit card information to one of our agentsRPM appreciates the opportunity to respond to this matter and resolve it to Ms***’s satisfactionIf RPM may be of further assistance to Ms***, please contact me at *** Very Truly Yours, Mark *C*** General Counsel

July 25,
Revdex.com
Station DrSuite
DuPont, WA
Email: ***@theRevdex.com.org
Case# ***, *** ***
Dear Ms***,
I am in receipt of and have reviewed the above referenced follow up complaint filed by Ms*** against Receivables Performance Management, LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states and the District of ColumbiaMs*** has rejected RPM’s initial response and refuses to provide any additional information so RPM can locate this fileAfter a review of our records I offer the following response on behalf of RPM:
RPM understands Mr***’s frustration about receiving telephone calls and wanting them stopped, however RPM has not been able to locate the file in questionRPM cannot locate a file with the PO Box 595, Hermosa Beach, CA addressIn addition the telephone number originally provided (229-0457) is not in RPM’s telephone data baseUnless Mr*** is willing to provide the telephone number RPM is supposedly calling or other demographic information, we cannot locate this file or stop the unwanted calls
RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at (425) 205-
Very Truly Yours,
Henry *S***
Senior Compliance Specialist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me - as long as RPM truly desists from future harassing telephone calls
It would have been responsible on the part of RPM, however, to have first verified an individual's telephone number first before barraging the family on the other end of the telephone line with unnecessary and repeated telephone calls clearly intended to intimidate and harass - only to later discover [after a complaint to the Revdex.com] that the target of their collections attempt was not at that telephone number
Sincerely, *** ***

Complaint ID: ***
*** ***
Dear Ms***,
I am in receipt of and have reviewed the above referenced complaint filed by Mr*** against Receivables Performance Management, LLC (RPM)RPM is a licensed third party collection agency operating in all fifty states and the
District of ColumbiaMr*** states that he was told that his account would be removed from his credit history upon making paymentsHe requests the matter be removed from his credit historyAfter a review of our records I offer the following response on behalf of RPM:
RPM received Mr***’s Kohl’s Department Store account for collection on April 6, RPM’s business records reflect a contact with Mr*** by telephone on April 11th where he agreed to resolve the account for less than the full balance over several paymentsMr*** provided payment information and the first two installments were successfully processed and applied towards the balanceMr***’s June payment was returned for insufficient fundsRPM attempted to contact Mr*** to advise him of the same however were not able to get in touch with him until August 19thAt that time Mr*** provided new payment information to complete the settlementRPM has reviewed call recordings of both contactsAt no time was Mr*** advised that paying the settlement would result in the account being removed from his credit historyAfter inquiring about credit reporting, Mr*** was advised that RPM is not a data furnisher on behalf of Kohl’s and was not credit reporting the accountRPM’s agent also stated that typically when an account is settled it is reported as settled in full
RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at (425) 412-
Very Truly Yours,
Mark *C***
General Counsel

After speaking to Ms***, RPM contacted *** and advised that the customer was no longer claiming the account was the result of fraudIn response *** advised they had reviewed the account and that Ms*** would need to indicate what bill she is disputing and whyAccording to ***, Ms***'s 8/invoice indicates she was charged a lease device purchase of $for # *** and $for # *** does not have record where the equipment was returned. If Ms*** could indicate when and how the equipment was returned, including perhaps a receipt, *** can review and see if any further credit is due

December 8, 2015Revdex.comStation DrSuite 222DuPont, WA 98327Email: ***@theRevdex.com.orgC***# ***, *** * ***Dear Ms***,I am in receipt of and have reviewed the above referenced complaint filed by Mr*** against Receivables Performance Management,
LLC (RPM)Mr*** states that he gave his credit card to a friend who signed up for DIRECTV service and later cancelled serviceHe suspects the outstanding charges are for unreturned equipment, however indicates that all equipment was returned and disputes any charges related to thatHe states that he has been called repeatedly by RPM and has explained the circumstances and assured RPM that he would accept responsibility for the billHe requests the calls stopAfter review of that file and contacting our client I offer the following response on behalf of RPM:DIRECTV listed an account in Mr***’s name for collection with RPM on November 1, On November 3, 2015, RPM sent Mr*** a notice identifying the creditor, the amount due, as well as his rights under the Fair Debt Collection Practices Act (FDCPA) RPM’s business records reflect several contacts with Mr*** by telephone where he stated he was on disability and did not have the funds to pay the debt immediately but that he would eventually take care of it.Upon receipt of this complaint, RPM advised DIRECTV of Mr***’s concernsDIRECTV has advised that all equipment was returned and the outstanding charges are for programing and an early cancellation feeDIRECTV has provided the attached letter to Mr***, a work order, as well as the account ledger for his reviewDIRECTV has also recalled the account from our officeAs a result RPM is no longer handling the matterIt is DIRECTV’s position that the balance is sustained and the charges on the bill are validRPM will cease further attempts to contact Mr*** who may contact DIRECTV with further questions or concerns.RPM appreciates the opportunity to respond to this matter and apologize for any inconvenience Mr*** experienced as a result of our callsIf you have questions regarding RPM’s handling of this matter or if I may be of further assistance to Mr*** please contact me directly at *** ***.Very Truly Yours,Mark TC***General Counsel

December 14, 2015Revdex.comStation DrSuite 222DuPont, WA 98327Email: ***.***@theRevdex.com.orgCase# ***, *** * ***Dear Ms***,I am in receipt of and have reviewed the above referenced complaint filed by Mr*** against Receivables Performance Management, LLC
(RPM)RPM is a licensed third party collection agency operating in all fifty states and the District of ColumbiaMr*** is complaining that he settled this debt in March, and RPM has never closed the account nor properly reported this debt to the credit bureaus After a review of our records I offer the following response on behalf of RPM:On March 26, 2015, RPM received the last payment and the balance owed by Mr*** was Paid in Full (PIF)That PIF code is shown on the account records and that status was reported to the three major credit bureaus on April 6, According to RPM’s business records, the last telephone conversation with Mr*** was on April 30, 2015, when he asked when the credit bureaus would update their recordsIt usually takes approximately days, but RPM does not control the credit bureaus updating of recordsRPM resent the PIF status code through our EOSCAR system todayThe AUD # for tracking purposes is ***.RPM appreciates the opportunity to resolve this complaintIf you have additional questions regarding our handling of this matter I can be reached at (425) 205-5726Very Truly Yours,Henry PS***Senior Compliance Specialist

To Whom It May Concern;
I am in receipt of and have reviewed the rebuttal to RPM’s response by Mr***Please be advised that at the direction of Dish, RPM has submitted a manual request to remove the account trade-line from Mr***’s credit historyThe AUD number provided by eOSCAR is ***Please allow several days for the credit reporting agencies to update their filesIf Mr*** has further questions he may contact me directly at 425-890-
Very Truly Yours,
Mark ** C***
General Counsel

Ms*** is correct, that she does not have a contract with RPMRPM is not the creditor in this instanceAs previously explained, RPM is a third-party debt collector acting on behalf of DIRECTV, to whom she does owe a debtRPM acts as a data furnisher on behalf of DIRECTV to the credit reporting agenciesThus, RPM is authorized to credit report the account on behalf of DIRECTVMs*** is free to contact our office with further questions or concerns.Very Truly Yours, Mark *C***General Counsel