Consumer complaint received 2020-10-05
Company: Receivables Performance Management, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reviewed my credit report on XX/XX/2020. I noticed a company by the name of XXXX XXXX XXXX on my credit report saying that I owed them XXXX. Contacted them and they told me the original debtor was XXXX. I contacted XXXX on XXXX third, and they transferred me to what I was told their collections department. a man came on the line and purported to be a representative from XXXX. I agreed to pay the settlement amount of {$430.00} on the advisement that the debt would be satisfied and I would receive a letter in 24 hours showing the debt completely satisfied. After receiving an alert from a credit monitoring service on XX/XX/2020 I checked my credit report. I noticed that the company XXXX XXXX XXXX was still reporting negatively for a balance of XXXX on behalf of XXXX Phne : # XXXX. I contacted XXXX XXXX XXXX Phone # : XXXX and the told me my account was purged by XXXX and that they could not discuss it with me. so I called XXXX, and after a very lengthy hold time and conversation, a supervisor by the name of XXXX. XXXX  out of the XXXX, TN call center told me there was no evidence of payment being made or my account being paid in full. This of course arose concern, I told XXXX, I spoke to a person on XXXX XXXX, and they advised me the account was settled, she informed me that this was showing on her end, so it may not be a true analysis. I began to think I may have been a victim of fraud and Deceptive business practices. I was distinctly told by the person on XXXX XXXX, that I was paying XXXX directly and that I would receive a confirmation letter in 24 hours stating account was paid in full. Being skeptical, I hung up with XXXX and called a company that showed on my bank statement as RPM ( Receivables Performance Management ) whom processed the payment of {$430.00} I was hung up on three times, before finally getting over to a XXXX XXXX, in the Washington State office, she informed me that the representative may have misspoke when he informed me of the letter and being XXXX. I told her I was going to file a complaint for fraudulent unfair and deceptive business practices, because everything the person whom I trusted with my debit card, and Social Security completely lied to me. I felt victimized. She then told me that XXXX had not yet been notified about the payment in full and she doesn't know how long it actually takes to notify them, I then told her of my skepticism and how I felt victimized, she in return told me i could only receive a paid in full either if I called in four days after the payment and requested one. Another Lie. I am filing this complaint because I don't know if this company is reputable, or fraudulent and I'm now worried that my money has been taken and I will have no recourse in 30 days to file a dispute with my bank. The Company that processed the {$430.00} and shows on my bank statement is RPM ( Receivables Performance Management ) Phone number : XXXX I called XXXX @ XXXX on XX/XX/2020 and they informed me that they could not locate my account, XXXX then proceeded to hang up on me. I then called R.P. M. ( Receivables Performance Management ) @ XXXX and a lady by the name of XXXX XXXX transferred me to a supervisor named XXXX XXXX, she then transferred me to a Manager named XXXX XXXX, who I might add was very rude. She refused to let me talk, then told me She could not locate my account. I paid them please see below. Rpm Thursday, XX/XX/2020 at XXXXGENERAL SERVICES Total- {$430.00} Online Transaction I'm concerned, I have not received the paid in full letter as promised, nor have I now been able to reach anyone that can tell me where my {$430.00} went. So I called the original coeditor, XXXX on XX/XX/2020 and they do not show that the account was settled. My concern is who did XXXX transfer me too on XX/XX/XXXX, and why did they lie and say it was actually them who took the payment, but it was actually RPM. ACT XXXX, Now XXXX is saying they don't know RPM, even-though they transferred me to them.

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