Consumer complaint received 2019-01-09
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was final bill from XXXX XXXX and I took 3 months pay off because I was out of the country and they gave me final settlement offer. I paid the complete amount as well. But they reported to credit agencies that I still owe some money and it is still showing in the credit report. 

I am attaching the complete conversion between me and XXXX customercare team as proof. Also letter from the collection agency From : XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/2018 XXXX XXXX To : XXXX, XXXX [ XXXX ] XXXX Cc : Offices, Executive XXXX Subject : Re : XXXX XXXX, XXXX XXXX Hi XXXX - I am still waiting for a letter / confirmation number which I paid off everything completely - there is nothing due - Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX, XXXX [ XXXX ] XXXX wrote XXXX You should have received a response from the agency with this information. Upon receipt, should you have any additional concerns, please feel free to follow up accordingly. 



Thanks XXXX XXXX. 

From : XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/2018 XXXX XXXX To : XXXX, XXXX [ XXXX ] XXXX Cc : Offices, Executive XXXX Subject : Re : XXXX XXXX, XXXX XXXX Can I get a receipt / confirmation letter at least?? That my account is paid in full? 
Sent from my XXXX On XX/XX/2018, at XXXX PM, XXXX, XXXX [ XXXX ] XXXX wrote : Mr. XXXX, I will submit a response to the agency within the next 2 to 3 business days. Upon receipt, should you have any additional concerns, please feel free to follow up accordingly. 

Thanks XXXX XXXX From : XXXX [ mailto : XXXX ] Sent : Thursday, XX/XX/2018 XXXX XXXX To : XXXX, XXXX [ XXXX XXXX XXXX Cc : Offices, Executive XXXX Subject : Re : XXXX XXXX, XXXX XXXX What is wrong giving a letter saying that I paid everything in full and there is due? I need that for my record and it is my right other wise you guys will keep sending / reporting like this - I can not trust XXXX anymore. 
Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX, XXXX [ XXXX ] XXXX wrote : As per our conversation yesterday, please allow 90 days for credit bureaus to be updated to advised that the account is now paid in full. Again we apologize for any inconvenience this may have caused. 


Thanks XXXX XXXX. 

From : XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/2018 XXXX XXXX To : XXXX, XXXX [ XXXX ] XXXX Cc : Offices, Executive XXXX Subject : Re : XXXX XXXX, XXXX XXXX I need a letter from XXXX that its paid completely. There is no dues Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX, XXXX [ XXXX ] XXXX wrote : As per our conversation today, please allow 90 days for credit bureaus to be updated to advised that the account is now paid in full. Again we apologize for any inconvenience this may have caused. 


Thanks XXXX XXXX. 

From : XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/2018 XXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX XXXX Cc : Offices, Executive XXXX Subject : Re : XXXX XXXX, XXXX XXXX Hi XXXX, Like I mentioned in our call - I would like to get a letter saying that my account is paid completely - there is no due and XXXX will be removing this collection flag from my credit report and going forward this wont be reporting to credit agencies since its paid in full. 

Please send this letter to XXXX Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX, XXXX [ XXXX ] XXXX wrote : We appreciate your additional feedback. As stated before, once the balance has been paid in full, please allow 90 days for the agency to update the credit bureau that the account has been paid in full. Unfortunately, XXXX would not be able to compensate you for this matter as per XXXX policy, which can be viewed on our website at XXXX. Again we apologize for any inconvenience this may have caused. 

Thanks XXXX XXXX. 

From : XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/2018 XXXX XXXX To : XXXX, XXXX [ XXXX ] XXXX Cc : Offices, Executive XXXX Subject : Re : XXXX XXXX, XXXX XXXX As I mentioned earlier - I had paid it completely even though its was not accurate. You guys need to compensate me for my loss. 
Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX, XXXX [ XXXX ] XXXX wrote : Thank you for your response, As discussed in our previous conversation, once the account is paid in full, we can requested that the credit agencies be updated to reflect that the account has been paid in full. This process takes up to 90 days. We apologize for any inconvenience this may cause. Should you have any additional concerns regarding this matter, please feel free to contact me directly on the phone numbers listed below. 

Thanks XXXX XXXX. 


From : XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/2018 XXXX XXXX To : XXXX, XXXX [ XXXX ] XXXX Cc : Offices, XXXX XXXX Subject : Re : XXXX XXXX, XXXX XXXX Why are we keep reporting this to other credit agencies - its reported to XXXX last to last week and this week XXXX I can see that its reported to all credit agencies even after I paid it completely. I can not accept this anymore. 

Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX, XXXX [ XXXX ] XXXX wrote : Thank you for your response, As discussed in our previous conversation, once the account is paid in full, we can requested that the credit agencies be updated to reflect that the account has been paid in full. This process takes up to 90 days. We apologize for any inconvenience this may cause. Should you have any additional concerns regarding this matter, please feel free to contact me directly on the phone numbers listed below. 

Thanks XXXX XXXX. 



From : XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/2018 XXXX XXXX To : XXXX, XXXX [ XXXX ] XXXX Cc : Offices, Executive XXXX Subject : Re : XXXX XXXX, XXXX XXXX I have paid the amount in full - why are we keep reporting this to credit agencies - it was reported just to XXXX  and Now XXXX reported to all credit agencies. 

I can not accept this - this is pure harassment from XXXX. 



Sent from my XXXX On XX/XX/2018, at XXXX XXXX, XXXX, XXXX [ XXXX ] XXXX wrote : Thank you for your response, As discussed in our previous conversation, once the account is paid in full, we can requested that the credit agencies be updated to reflect that the account has been paid in full. This process takes up to 90 days. We apologize for any inconvenience this may cause. Should you have any additional concerns regarding this matter, please feel free to contact me directly on the phone numbers listed below. 

Thanks XXXX XXXX. 

From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/2018 XXXX XXXX To : XXXX, XXXX [ XXXX XXXX XXXX Cc : Offices, Executive XXXX Subject : Re : XXXX XXXX, XXXX XXXX Hi XXXX, It seems you have reported this to all credit agencies. Attached is the settlement offer which i received from your collection agency. 

I ran my credit report again and it seems XXXX reported this XXXX  and XXXX   even after our discussion. I have settled the remaining amount as well. Why are you guys harassing a customer like this. 

As discussed over the phone. You guys have to clear my credit report that there is no payment due from my side and I am not expecting any collection point when i look at my credit report.Otherwise I need to drag this consumer court. 



On Fri, XX/XX/2018 at XXXX XXXX, XXXX, XXXX [ XXXX ] XXXX wrote : Mr. XXXX, Thank you for your recent inquiry to XXXX. It will be my pleasure to address your account concerns. On behalf of XXXX, I apologize for any inconvenience you may have experienced as a result of this matter. 
We would appreciate the opportunity to discuss your concerns in detail. However, on XX/XX/2018, we were unable reach you directly on phone number XXXX. I look forward to speaking with you to discuss this matter in detail. Please feel free to contact me directly by calling our office toll-free at XXXX, ext. XXXX and referencing case number XXXX. I am available from XXXX XXXX to XXXX XXXX, Eastern Time, Monday through Friday. 


XXXX XXXX Executive & Regulatory Analyst O:XXXX / F:XXXX XXXX From : XXXX, XXXX [ XXXX ] Sent : Wednesday, XX/XX/2018 XXXX XXXX To : XXXX ' XXXX Cc : Offices, Executive XXXX Subject : XXXX XXXX, XXXX XXXX Mr. XXXX, Thank you for your recent inquiry to XXXX XXXX It will be my pleasure to address your account concerns. On behalf of XXXX, I apologize for any inconvenience you may have experienced as a result of this matter. 
We would appreciate the opportunity to discuss your concerns in detail. However, on XX/XX/2018, we were unable reach you directly on phone number XXXX. I look forward to speaking with you to discuss this matter in detail. Please feel free to contact me directly by calling our office toll-free at XXXX, ext. XXXX and referencing case number XXXX. I am available from XXXX XXXX to XXXX XXXX, Eastern Time, Monday through Friday. 


XXXX XXXX Executive & Regulatory Analyst O:XXXX / F:XXXX XXXX XXXX This e-mail may contain XXXX proprietary information intended for the sole use of the recipient ( s ). Any use by others is prohibited. If you are not the intended recipient, please contact the sender and delete all copies of the message

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation