Receivables Performance Management Scam Alert.... TOTAL FRAUDS Bothell, Washington

I want to respond to the employee of RPM, who says they are honest and only trying to help people pay their debts and clean up their credit reports.

This is complete nonsense, and is flatly untrue. This company is committing fraud, have broken federal law with me on at least 3 counts (but probably many more), I HAVE INDISPUTABLE PROOF OF THIS, and I will be happy to go to court or be subpoenaed to show this.

I'm sure there are people working for this company who are not "bad guys." However, based on my conversations with everyone there I've had so far (that's 4 of them), they have ALL lied to me, been rude to me, told me I'm lying or making up stuff, have charged my credit card MORE than they were permitted (which is credit card fraud), and have reneged on a settlement deal they offered me AFTER I gave them money.

Then had the gall to say, "You're making this up, there was no deal."

Unbelievable. This company has to be the worst of the worst, and I will be requesting the Attorneys General in Washington state to go after them. I may also file a lawsuit for fraud and harassment.

Do yourself a favor. If you are unfortunate enough to be called by them, get whatever they say or promise IN WRITING before you give them ANY payment. And DON'T give them your checking account number or a telecheck. They'll commit fraud and will figure you don't have the guts or time to go after them.

Alright. Since apparently you guys can't get it through you head that we ARE NOT TRYING TO SCAM YOU... I will clarify a few things.

1. If you call Sprint/Nextel to pay your bill, and they say you have a zero balance and you are hearing from us... that means they SENT YOUR ACCOUNT TO US. That is why you have a zero balance with them. The only way they can clear an account and send it to us is to ZERO BALANCE it out. So when you call up and say that we are trying to scam you, that is NOT the case.

2. When we set you up on a settlement plan, and you don't follow through, your settlement is in DEFAULT and you must pay balance in full. It's not OUR fault that you want to dodge your own responsibilites by pinning the blame on us.

3. Yes, occasionally we have representatives that are rude. That is NOT our policy. At all times we endeavor to HELP the customer solve their problem, whether it be paying their bill, cataloguing a dispute, working with you on payment arrangements... but first you have to realize we are on the phone all day long, with people swearing at us, threatening us, and that would make anyone a little testy, right?
Most of the time, we are only harsh with someone who KNOWS that they owe their debt, but they want to avoid paying it.

4. Statute of Limitations for a debt is 7 years. Yes. That means that the creditor can take legal action (the creditor, not us, the THIRD PARTY) to collect that debt. After the statute has expired, however, it's still a debt. You still need to pay it, even if it was from ten years ago. The Statute of Limitations only provides that we cannot pursue legal action to collect the debt after that time. But let me make this perfectly clear... RPM will never tell you we will sue you to collect a debt. We don't have that authority, so we will NEVER tell you that we will pursue LEGAL action. The creditor may (HSBC, any of our credit card accounts, some of our phones... they could pursue it, but that's not our realm of responsibility)

5. Harrassment. ha! Pursuant to the FDCPA, we are allowed to call you as many times as we need to, but only have CONTACT (which means, talking to you) 3 times a week. We are on an automated system that can ONLY generate calls between the hours outlined in the FDCPA that we can call (8 am to 9 pm) so those of you who call in swearing to high heaven that we called you after midnight... we can't. It's impossible. There's no one at the office to call you!
and Sundays are just another day. Debt collections is NOT Monday-Friday, 9-5. If you can sign up for your sprint/nextel phone on a sunday, you should be able to pay it on a sunday. So please don't tell us that you don't do business on a Sunday, when I'm very sure that you have. You've never bought groceries, gas or anything else on a Sunday? That is a BUSINESS TRANSACTION.

I end with this. Complain all you want. We are NOT scammers, we are NOT evil people. We do our job and get paid just like everyone else. We do what we are told to do, and if you don't like it, because you don't want to pay your bill, that's really not our problem. We call you as a courtesy, to try and help rebuild your credit or keep it from sliding. We work long stressful hours to try and HELP you, and all you can do is sit there on your pedestal and b***h and moan about how we harrass and scam you, which isn't the case. So next time you want to report us, think about this. How would you like it if someone called YOUR boss complaining about how rude you were when all you were doing was trying to help someone you didn't know from Adam?

I guess all the good is going from this world if the common person can't even put themselves in someone elses shoes.

oh, and by the way, most of us have bills to pay too. We just don't avoid them.

Alright. Since apparently you guys can't get it through you head that we ARE NOT TRYING TO SCAM YOU... I will clarify a few things.

1. If you call Sprint/Nextel to pay your bill, and they say you have a zero balance and you are hearing from us... that means they SENT YOUR ACCOUNT TO US. That is why you have a zero balance with them. The only way they can clear an account and send it to us is to ZERO BALANCE it out. So when you call up and say that we are trying to scam you, that is NOT the case.

2. When we set you up on a settlement plan, and you don't follow through, your settlement is in DEFAULT and you must pay balance in full. It's not OUR fault that you want to dodge your own responsibilites by pinning the blame on us.

3. Yes, occasionally we have representatives that are rude. That is NOT our policy. At all times we endeavor to HELP the customer solve their problem, whether it be paying their bill, cataloguing a dispute, working with you on payment arrangements... but first you have to realize we are on the phone all day long, with people swearing at us, threatening us, and that would make anyone a little testy, right?
Most of the time, we are only harsh with someone who KNOWS that they owe their debt, but they want to avoid paying it.

4. Statute of Limitations for a debt is 7 years. Yes. That means that the creditor can take legal action (the creditor, not us, the THIRD PARTY) to collect that debt. After the statute has expired, however, it's still a debt. You still need to pay it, even if it was from ten years ago. The Statute of Limitations only provides that we cannot pursue legal action to collect the debt after that time. But let me make this perfectly clear... RPM will never tell you we will sue you to collect a debt. We don't have that authority, so we will NEVER tell you that we will pursue LEGAL action. The creditor may (HSBC, any of our credit card accounts, some of our phones... they could pursue it, but that's not our realm of responsibility)

5. Harrassment. ha! Pursuant to the FDCPA, we are allowed to call you as many times as we need to, but only have CONTACT (which means, talking to you) 3 times a week. We are on an automated system that can ONLY generate calls between the hours outlined in the FDCPA that we can call (8 am to 9 pm) so those of you who call in swearing to high heaven that we called you after midnight... we can't. It's impossible. There's no one at the office to call you!
and Sundays are just another day. Debt collections is NOT Monday-Friday, 9-5. If you can sign up for your sprint/nextel phone on a sunday, you should be able to pay it on a sunday. So please don't tell us that you don't do business on a Sunday, when I'm very sure that you have. You've never bought groceries, gas or anything else on a Sunday? That is a BUSINESS TRANSACTION.

I end with this. Complain all you want. We are NOT scammers, we are NOT evil people. We do our job and get paid just like everyone else. We do what we are told to do, and if you don't like it, because you don't want to pay your bill, that's really not our problem. We call you as a courtesy, to try and help rebuild your credit or keep it from sliding. We work long stressful hours to try and HELP you, and all you can do is sit there on your pedestal and b***h and moan about how we harrass and scam you, which isn't the case. So next time you want to report us, think about this. How would you like it if someone called YOUR boss complaining about how rude you were when all you were doing was trying to help someone you didn't know from Adam?

I guess all the good is going from this world if the common person can't even put themselves in someone elses shoes.

oh, and by the way, most of us have bills to pay too. We just don't avoid them.

Alright. Since apparently you guys can't get it through you head that we ARE NOT TRYING TO SCAM YOU... I will clarify a few things.

1. If you call Sprint/Nextel to pay your bill, and they say you have a zero balance and you are hearing from us... that means they SENT YOUR ACCOUNT TO US. That is why you have a zero balance with them. The only way they can clear an account and send it to us is to ZERO BALANCE it out. So when you call up and say that we are trying to scam you, that is NOT the case.

2. When we set you up on a settlement plan, and you don't follow through, your settlement is in DEFAULT and you must pay balance in full. It's not OUR fault that you want to dodge your own responsibilites by pinning the blame on us.

3. Yes, occasionally we have representatives that are rude. That is NOT our policy. At all times we endeavor to HELP the customer solve their problem, whether it be paying their bill, cataloguing a dispute, working with you on payment arrangements... but first you have to realize we are on the phone all day long, with people swearing at us, threatening us, and that would make anyone a little testy, right?
Most of the time, we are only harsh with someone who KNOWS that they owe their debt, but they want to avoid paying it.

4. Statute of Limitations for a debt is 7 years. Yes. That means that the creditor can take legal action (the creditor, not us, the THIRD PARTY) to collect that debt. After the statute has expired, however, it's still a debt. You still need to pay it, even if it was from ten years ago. The Statute of Limitations only provides that we cannot pursue legal action to collect the debt after that time. But let me make this perfectly clear... RPM will never tell you we will sue you to collect a debt. We don't have that authority, so we will NEVER tell you that we will pursue LEGAL action. The creditor may (HSBC, any of our credit card accounts, some of our phones... they could pursue it, but that's not our realm of responsibility)

5. Harrassment. ha! Pursuant to the FDCPA, we are allowed to call you as many times as we need to, but only have CONTACT (which means, talking to you) 3 times a week. We are on an automated system that can ONLY generate calls between the hours outlined in the FDCPA that we can call (8 am to 9 pm) so those of you who call in swearing to high heaven that we called you after midnight... we can't. It's impossible. There's no one at the office to call you!
and Sundays are just another day. Debt collections is NOT Monday-Friday, 9-5. If you can sign up for your sprint/nextel phone on a sunday, you should be able to pay it on a sunday. So please don't tell us that you don't do business on a Sunday, when I'm very sure that you have. You've never bought groceries, gas or anything else on a Sunday? That is a BUSINESS TRANSACTION.

I end with this. Complain all you want. We are NOT scammers, we are NOT evil people. We do our job and get paid just like everyone else. We do what we are told to do, and if you don't like it, because you don't want to pay your bill, that's really not our problem. We call you as a courtesy, to try and help rebuild your credit or keep it from sliding. We work long stressful hours to try and HELP you, and all you can do is sit there on your pedestal and b***h and moan about how we harrass and scam you, which isn't the case. So next time you want to report us, think about this. How would you like it if someone called YOUR boss complaining about how rude you were when all you were doing was trying to help someone you didn't know from Adam?

I guess all the good is going from this world if the common person can't even put themselves in someone elses shoes.

oh, and by the way, most of us have bills to pay too. We just don't avoid them.

First of all, Sprint is more then willng to give out RPM's number in regards to a past due debt. Sprints customer service doesnt show a past due amount because they have WRITTEN OFF the debt, meaning they have turned it over to a collection agency, in most cases RPM. Not only does RPM collect written off accounts, they also collect on suspended accounts, so obviously the person you spoke with at sprint is a moron.