Complaint Review: Receivables Performance Management - Bothell Washington

So, for starters, I used to work for this so-called business (RPM) and quit due to the complete and utter unprofessional, disrespectful, and illegal acts these a-holes conduct. They attempt to collect on illegitimate debts, some debts that are so old that they are not even legal to collect on them. The agents are taught to lie and deceive during the training session, they are also taught to belittle and harass people. They get information from credit reports and then manipulate that information to create false debts, and then attempt to collect on them. A good portion of the debts that they collect on are debts that have already been written-off, and are no longer collectible. ( their turnover rate on employees is somewhere around 98% due to the inconceivable acts that are encouraged and demanded of the agents)

So, I just wanted to give anyone who has to deal with these or any other BS collections company a few words of advice.

First-
to get them to stop calling and harassing you, write them a cease contact letter or a do not call letter. You can find templates for them by googling them. This makes it so they can only send you mail and no longer call you at home or work, or anywhere else for that matter. Make sure that you send it registered mail, return receipt. This way you have proof that you sent it if they choose to break the law and continue to harass you, also proof that they received it. Make sure that you keep a copy of everything for your own records. You do have the right to sue them if they fail to comply. Furthermore- you dont want to try to
contact the supervisor of the call center, Mr. Pollus, He is even more rude and despicable than the agents you may have had the dishonor of dealing with. I have heard him screaming at debtors on numerous occasions, and dealing with him will just make you even more frustrated and angry than you already are. Dealing with them on a legal level is much more advantageous for you.

You should always try to make an attempt to pay your debts, if they are valid. I know that when you try to make a payment plan with these people, they will tell you that the amount that you are able to send isnt good enough. The reason for this is that the more they can get from you at one time is better for them, as an agent, as they do get commission and they bigger the payments, the more money they can pile up to get a bigger payout on commissions. But if they refuse to accept your attempt to pay, then they are not acting legally. As long as they keep cashing you money orders then they are accepting your attempt to pay your debt. You should make payments via money-orders, giving them your account information will probably bite you in the ***, as they can accidentally set you up for a bigger than agreed upon payment, or monthly recurring payments, etc. For your own sake, dont give them anything that they can use against you. Never tell them where you are working as they can then use that info to call and harass you at work and then your employer will be unhappy with you.

Dont bother asking for them to send you a bill. They are not a billing company and besides the first notice of attempt to collect a debt, they actually do not have to send any other correspondence, and for that matter, will not send you another statement, even if they say they will. Never trust anyone who says they will send you something as it will never come.

They will tell you that all calls are recorded for quality, not true, some calls are recorded, and this is just so that they can coach the agents to be more rude and stern, never for your benefit. You are more than welcome to record your calls with them, as long as you make it known that you are doing so. For this to benefit you in the long run, you do have to tell them so that it can be used in a court of law, if it ever comes to that. I can almost guarantee that they will hang up on you as soon as you say that this call is being recorded to ensure that your legal rights are protected.

You will want to check your credit report and see if the debt they are attempting to collect on is legitimate. One website does actually give you your credit report, FREE, once a year, and never asks for your credit card info or anything of the sort. This report will give you reports for all three reporting agencies. The website is (((Redacted))). If these people
have a debt that supposedly belongs to you then you should be able to see it there. You can even get information as to when the debt expires and is no longer legal to collect on them. If what you are looking for isnt in your report dont give them anything!

The last thing I have is that you should read the Fair Debt Collection Practices Act, and the Fair debt reporting act. Also google debtorsrights, and make sure that you are reading information specific to the state you are living in as laws and can differ from one state to the next. All of this information is for your benefit and the more you know,the better off you will be in the long-run.

Finally, that is all I have for you in the line of advice for dealing with RPM. I am sorry that any of you have had to deal with these dirty bastards..

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Pay them nothing.

17 years is beyond the statute of limitations in EVERY State. (a couple have 15 years.)  You are correct in that HSBC would have contacted you directly when you obtained your "new" HSBC credit card.

Tell them you are disputing it and that it is beyond the SOL.  If they put this on any credit reports about you, you should sue them per the Fair Credit Reporting Act.  You can download the FCRA at the FTC website www.ftc.gov.

If they persist, send them a certified, return receipt requested letter to leave you alone-cease communications.

You should also download the Fair Debt Collection Practices Act from the FTC website.  READ both of these statutes and then you'll know how to deal with these shmucks.

Good luck.