Complaint Review: Receivables Performance Management - Bothell Washington

Original creditors will always be able to check to see if a person had an account at one time or not. THEY ARE REQUIRED BY LAW TO MAINTAIN DATA FILES. Most will choose to refer you back to the collection agency- its a lame excuse - its a choice only. In my case my personal disputes to the original creditor were responded with an unsigned form letter referring me back to the collection agency. They do this when they are KNOW they are responsible for the errors and refuse to deal with it. However when I sent the complaint through the Office of Thrift Supervision (controlling agency for banks and finance companies) - they HAD TO DEAL WITH MY COMPLAINT - which was fraudulent charges, false postings to credit report, and unauthorized changes to my account information. OTS made sure my complaint was dealt with and the mistakes the creditor made with my account were fixed. My account was REMOVED FROM COLLECTIONS THEY ADMITTED IN WRITING THEY CHANGED MY ADDRESS THEY REMOVED THE NEGATIVES FROM MY CREDIT REPORT The only thing still pending is the fraudulent charges - creditor claims I made an internet purchase but cannot validate that I authorized it. So I am just waiting for that to be credited and my issue will be resolved

Proof of corporate accounts would be provided, and if not, could easily be obtained. If this however was a case where a debt purchaser bought out the debt, then AT&T would not be able to look up any information whatsoever, as it is gone, removed from their records, sold, etc.

I too am dealing with RPM and yes there is a delay in when they actually respond when the person they are calling answers the phone. They may use an autodialer, but that is no excuse to make the person they call say hello more than 1 time. In my case I have to say hello 3 -5 times before live body actually gets on the line. I now hang up after 2 hellos. I will not work with RPM because the charges on the account are fraudulent to begin with. I will work with the original creditor and they will have to remove the account from collections. If it means obtaining an attorney - so be it, How do I know this? The original creditor placed approx $100.00 on my account this info is based solely on my credit report as no one will tell me what the charges are for or provide proof that I authorized it. The original creditor changed my address without consent at the same time the fraudulent charges were posted to my account. I believe it was to hide the fraudulent charges from me. They gave the wrong mailing address to RPM. This is mail fraud - Filed a complaint with the US Postal Inspectors office. The original creditor did not make any attempts to collect the debt themselves. Everytime RPM calls we tell them to provide Debt Validation, and one rep claimed he was marking my account refused to pay. They have not yet sent any debt validation and it only takes 3-4 days for US mail to be sent from point a to point b in the US. Its been 2 weeks and still nothing. Written demands for Debt Validation have been sent as well via certified mail return receipt with signature. Since I never authorized the charges I do not expect to see any debt validation. YES - YOU have to file a formal complaint with the FTC, all law enforcement agencies have access to these complaints. the complaint trail proves that the companies have a pattern of abuse. One complaint means nothing - thousands of complaints indicate a pattern of abuse and will be dealt with. I also filed credit card fraud charges against the original creditor with my states Attorney General.

I too am dealing with RPM and yes there is a delay in when they actually respond when the person they are calling answers the phone. They may use an autodialer, but that is no excuse to make the person they call say hello more than 1 time. In my case I have to say hello 3 -5 times before live body actually gets on the line. I now hang up after 2 hellos. I will not work with RPM because the charges on the account are fraudulent to begin with. I will work with the original creditor and they will have to remove the account from collections. If it means obtaining an attorney - so be it, How do I know this? The original creditor placed approx $100.00 on my account this info is based solely on my credit report as no one will tell me what the charges are for or provide proof that I authorized it. The original creditor changed my address without consent at the same time the fraudulent charges were posted to my account. I believe it was to hide the fraudulent charges from me. They gave the wrong mailing address to RPM. This is mail fraud - Filed a complaint with the US Postal Inspectors office. The original creditor did not make any attempts to collect the debt themselves. Everytime RPM calls we tell them to provide Debt Validation, and one rep claimed he was marking my account refused to pay. They have not yet sent any debt validation and it only takes 3-4 days for US mail to be sent from point a to point b in the US. Its been 2 weeks and still nothing. Written demands for Debt Validation have been sent as well via certified mail return receipt with signature. Since I never authorized the charges I do not expect to see any debt validation. YES - YOU have to file a formal complaint with the FTC, all law enforcement agencies have access to these complaints. the complaint trail proves that the companies have a pattern of abuse. One complaint means nothing - thousands of complaints indicate a pattern of abuse and will be dealt with. I also filed credit card fraud charges against the original creditor with my states Attorney General.

I too am dealing with RPM and yes there is a delay in when they actually respond when the person they are calling answers the phone. They may use an autodialer, but that is no excuse to make the person they call say hello more than 1 time. In my case I have to say hello 3 -5 times before live body actually gets on the line. I now hang up after 2 hellos. I will not work with RPM because the charges on the account are fraudulent to begin with. I will work with the original creditor and they will have to remove the account from collections. If it means obtaining an attorney - so be it, How do I know this? The original creditor placed approx $100.00 on my account this info is based solely on my credit report as no one will tell me what the charges are for or provide proof that I authorized it. The original creditor changed my address without consent at the same time the fraudulent charges were posted to my account. I believe it was to hide the fraudulent charges from me. They gave the wrong mailing address to RPM. This is mail fraud - Filed a complaint with the US Postal Inspectors office. The original creditor did not make any attempts to collect the debt themselves. Everytime RPM calls we tell them to provide Debt Validation, and one rep claimed he was marking my account refused to pay. They have not yet sent any debt validation and it only takes 3-4 days for US mail to be sent from point a to point b in the US. Its been 2 weeks and still nothing. Written demands for Debt Validation have been sent as well via certified mail return receipt with signature. Since I never authorized the charges I do not expect to see any debt validation. YES - YOU have to file a formal complaint with the FTC, all law enforcement agencies have access to these complaints. the complaint trail proves that the companies have a pattern of abuse. One complaint means nothing - thousands of complaints indicate a pattern of abuse and will be dealt with. I also filed credit card fraud charges against the original creditor with my states Attorney General.

I too am dealing with RPM and yes there is a delay in when they actually respond when the person they are calling answers the phone. They may use an autodialer, but that is no excuse to make the person they call say hello more than 1 time. In my case I have to say hello 3 -5 times before live body actually gets on the line. I now hang up after 2 hellos. I will not work with RPM because the charges on the account are fraudulent to begin with. I will work with the original creditor and they will have to remove the account from collections. If it means obtaining an attorney - so be it, How do I know this? The original creditor placed approx $100.00 on my account this info is based solely on my credit report as no one will tell me what the charges are for or provide proof that I authorized it. The original creditor changed my address without consent at the same time the fraudulent charges were posted to my account. I believe it was to hide the fraudulent charges from me. They gave the wrong mailing address to RPM. This is mail fraud - Filed a complaint with the US Postal Inspectors office. The original creditor did not make any attempts to collect the debt themselves. Everytime RPM calls we tell them to provide Debt Validation, and one rep claimed he was marking my account refused to pay. They have not yet sent any debt validation and it only takes 3-4 days for US mail to be sent from point a to point b in the US. Its been 2 weeks and still nothing. Written demands for Debt Validation have been sent as well via certified mail return receipt with signature. Since I never authorized the charges I do not expect to see any debt validation. YES - YOU have to file a formal complaint with the FTC, all law enforcement agencies have access to these complaints. the complaint trail proves that the companies have a pattern of abuse. One complaint means nothing - thousands of complaints indicate a pattern of abuse and will be dealt with. I also filed credit card fraud charges against the original creditor with my states Attorney General.

I think it's important to note, that contrary to what the RPM employee above says about contacting the Escalations Department, contacting them will do no good. They are as bad or worse to deal with that the "first tier" of abusers. I know from personal experience of trying to straighten things out with this department, and all I did was waste easily 20 more minutes of my time.

I think it's important to note, that contrary to what the RPM employee above says about contacting the Escalations Department, contacting them will do no good. They are as bad or worse to deal with that the "first tier" of abusers. I know from personal experience of trying to straighten things out with this department, and all I did was waste easily 20 more minutes of my time.

Actually, both the debt collector aka: bottomfeeder, and the respondent below are both wrong regarding the law on how many times per day a collector can call. And, the respondent is wrong in the fact that only the original creditor can "legally" collect on a debt. That is VERY bad, and dangerous advice! In reality, the FDCPA does NOT specify the number of times a collector can call a debtor per day. The only part of the FDCPA that even addresses this is the part that basically says "a collector may not ring the phone in a manner that is intended to harass or annoy... Each state has different laws regarding telephone contact, and the collector must abide by the laws in the state where they are making the call from, and also abide by the laws where the debtor resides. This is where it gets tricky. And, legally a debt that has been chrged off and sold, MAY legally be collected on as long as it can be properly validated as per the FDCPA. Don't fool your self into thinking that you cannot be sued over a charged off debt. Stay off the phone!!!. NEVER call an original creditor when you are dealing with a third party debt collector. They are legally out of the picture as they have no financial interest in the matter. And most of all, NEVER call or speak to ANY third party debt collector on the phone! It will NEVER do anything positive for you and will in almost every case make things worse. The only thing I agree with the respondent on is that most collections employees are borderline illiterate. That is why they are doing collections. Keep in mind that the FTC does not do individual enforcement, so filing a complaint is good, but will only be used for future action as a class. There is no enforcement agency out there that has legal authority to enforce your rights as an individual under the FDCPA/FCRA. You MUST get your own justice, usually by the filing of your own lawsuit. Don't get mad, get paid!! >>> Submitted: 6/21/2008 4:28:04 PM Modified: 6/21/2008 7:44:28 PM Macie Saltville, Virginia U.S.A. Justanotheremployee does not know the law You stated 'According to the FDCPA, collection agencies are allowed to call 6 times an HOUR until contact is made with the person they are calling for.' This is NOT true. The FDCPA only allows one call per day. No company is allowed to call 6 times per hour. You need to read the FDCPA. Another issue that needs to be addressed is that by law no one is legally obligated to pay a third party debt collector. A debtor is only legally bound to pay the original creditor; therefore, no one should ever pay a debt collection agency. In addition, if one reads all of the comments on this site by RPM employees, then one notices some interesting things: 1) Every employee cannot spell. 2) Every employee has grammatical and punctuational mistakes. 3) Every employee is rude and insulting in their comments, so why should we believe they are different on the telephone, which is illegal. In conclusion, record all conversations with debt collectors, then file suit agaisnt them. >>>

I would ask that you call RPM escalation department at 888-838-5123. They may help you in clearing up this matter. R Polus

You stated "According to the FDCPA, collection agencies are allowed to call 6 times an HOUR until contact is made with the person they are calling for." This is NOT true. The FDCPA only allows one call per day. No company is allowed to call 6 times per hour. You need to read the FDCPA. Another issue that needs to be addressed is that by law no one is legally obligated to pay a third party debt collector. A debtor is only legally bound to pay the original creditor; therefore, no one should ever pay a debt collection agency. In addition, if one reads all of the comments on this site by RPM employees, then one notices some interesting things: 1) Every employee cannot spell. 2) Every employee has grammatical and punctuational mistakes. 3) Every employee is rude and insulting in their comments, so why should we believe they are different on the telephone, which is illegal. In conclusion, record all conversations with debt collectors, then file suit agaisnt them.

The reason AT&T and many other companies say they have no record of the debt is because they have sold the debt to a debt buying agency.

In defense of RPM, they run off an automatic dialing system, which may or may not be the best way to contact people. If the system doesnt hear a response within two seconds it disconnects the call. As far as the original creditor saying that you dont have a debt, it's because they sold it long again to a debt buying agency, who then contracted RPM to collect on their behalf. That's why they say you dont have an account and that they dont use RPM for collections. According to the FDCPA, collection agencies are allowed to call 6 times an HOUR until contact is made with the person they are calling for. This doesn't mean that RPM calls six times an hour, but that is the law. As far as cursing on the phones, the calls are monitered and/or recording so this has to be an exagerration. Working out payment plans are not RPM's choice, we have strict guidelines set by our clients that RPM HAS to follow. RPM does not choose to call you four times a day, like I said above it's set on an automatic dialer. But in the end it all comes down to this: If you had paid your bill or at least tried to work out a payment plan when it was due, you wouldn't be getting calls from RPM to begin with. So really you have noone to blame but yourself.