RPM -Receivable Performance Management RPM is trying to phish my credit card number and/or checking account numbers Lynnwood Washington

I work for RPM first off and I can't tell you how many people think we are scammers. First WE do not make up these debts they are placed into our office by our clients for collection. So as far as we know everything is owed the only way to dispute is to have something with the account number in our office on it saying it is paid off by the company owed. In your example this sprint bill which was that old you would need something from sprint LD saying this was paid. I don't know why you were transferred to multiple people and why you were hung up on also is confusing... Like i had said i deal with people asking if i'm a scammer all day. She was apparently just one of the many people I disagree with.

Now that said. After this long having a debt that is outstanding it's one of two things....
1- This debt is past SOL and it really can't effect you unless you validate it by making a payment. If this is the case just send a Cease and Desist letter cause it won't effect you other than just being annoying.

2- There are some accounts that are put into our office by debt buying agencies they buy old debts from companies that never collected on it and have gone to the supreme court to get the SOL removed so they are all valid debts because they are new to them. VERY stupid thing in my opinion it is soooo bad. I hate that it really makes me feel like a scammer collecting on these kinds of accounts cause they should be invalid... but, they aren't anymore... these YOU SHOULD TAKE ACTION ON cause even 14$ that is valid will be reported to your credit the same.

just make sure you figure out which of these it is first.


(I apologize for my MANY MANY grammar and spelling errors i seriously just don't care this isn't being published so as long as you understand that's all i care about.)

RPM IS RESPONSIBLE FOR PROVING THE DEBT IS YOURS.

They will not be able to do so..

Kraelo is a collection agent - do not listen..

Carter-

You need to send them a certified, return receipt requested letter to demand validation and dispute this debt. Essentially you should dispute the debt as not being yours and demand they validate the debt if they believe it is.

Also, go to the FTC website, www.ftc.gov and download the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These laws provide you with protections and stipulates what debt collectors can and cannot do without penaly-fines from the FTC and civil liability to YOU if you choose to sue them for FDCPA and FCRA violations. The FDCPA allows you to SUE them for violations. You may recover actual damages, reasonable attorney fees, as well as statutory damages up to $1000.

As for Kraelo - IGNORE HIM.

""It is not rpm's job to dispute with their clients who owes the money. You need to contact sprint and notify them you paid the bill.""

Actually Kraelo it IS RPM's job. The FDCPA is very specific that the consumer debtor must WRITE TO THE DEBT COLLECTOR to dispute the debt and demand validation - FDCPA Section 809 (b).

Further, the FDCPA REQUIRES that the debt collector, RPM, notify the debtor of the right to dispute and demand validation of the debt. RPM is required to notify the debtor during the initial communication of these rights-failure to do so is another violation. If the initial communication is a telephone call, then RPM is REQUIRED to send a WRITTEN NOTICE to the debor within 5 days that informs the debtor of his/her right to dispute and demand validation of the alleged debt. Refer to FDCPA Section 809 (a.)

I guess you were asleep during your FDCPA compliance training.

""RPM 'cannot' delete your debt just because you 'say so'.""

Actually, they MUST delete it if they cannot adequately VALIDATE it - this is per the Fair Credit Reporting Act. Also, if they reported the debt to a CRA, they MUST report the debt as "in dispute" until they complete their validation process. IF they fail to properly validate the debt then they are required by the FCRA to inform the CRA to DELETE IT.

""Hope you get that cleared up, we receives problems like this often enough.""

Obviously, you folks are not being SUED often enough for FDCPA and FCRA violations. The author of this report should SUE THEM if they do not comply with the FDCPA and the FCRA.

RPM receives a list of people who 'owe' a debt from their 'clients/customers' in your personal case 'sprint'.

It is not rpm's job to dispute with their clients who owes the money. You need to contact sprint and notify them you paid the bill.

RPM 'cannot' delete your debt just because you 'say so'.

We hear that excuse hundreds of times per day.

Hope you get that cleared up, we receives problems like this often enough.