Consumer complaint received 2016-12-13
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The Receivable Performance Management, collection agency has reported negative in my credit report original creditor is XXXX. I am still XXXX customer, did not know about this balance. When I received call from collection agency then I try to reach them many times to resolve the problem, talked to XXXX also that why they did not contact me. That was not fair, they apologize on phone. I wanted to pay if I owed, I asked Receivables Performance to send me information about debt. They sent me an email on XXXX/XXXX/XXXX, its attached, they gave me time until XXXX/XXXX/XXXX. I called back and Paid {$300.00} XXXX XXXX XXXX statement is attached ) they took money from my account on XXXX/XXXX/XXXX. The other payment was scheduled on XXXX/XXXX/XXXX for {$290.00} as we agreed to settle that case. On Monady XXXX/XXXX/XXXX I checked my credit report at credit check total website, my credit score was XXXX points lower. Negative report was on my file. XXXX XXXX was Paid on XXXX/XXXX/XXXX and they reported to credit bureau after getting payment and after resolution, they have ruined my credit history. I called Performance and requested them to help me and to call credit Bureau so they can remove, as there was no reason to report. I mentioned them that I need to buy XXXX van for my son is on XXXX, he is student at XXXX university XXXX, he is also accepted at XXXX for internship in summer and need transportation to go to school and for internship. I also Paid them remaining {$290.00} today on XXXX/XXXX/XXXX to complete the payment by my debt card from XXXX ( shows in attachment ). Receivable Performance do n't want to talk to me, do n't want to listen me, I have declined a loan today that I was trying to buy van for my son. They did inhuman act with me and my family, its not only credit score but this means much more to me, my son and my family in this situation. If this will show paid still there will be negative remarks in my report. I request you and beg yo to remove this remarks from my report, I have done nothing wrong, there is no any other non-payment remarks or no any collection on my creit file. Again I request XXXX please read the documents and make decision and ask Performance why they are playing game with us, they got payment and then repoted. 
I called them 10 times, only 2 times XXXX lady spoke to me, she do n't feel the situation I am facing and the loss she did to me by reporting unfair negative report. 
I do n't curse anybody, my son is XXXX XXXX XXXX, and he is blessing of XXXX for me, without XXXX van I been trying my best, still I pick him up and help him to go to college and any place he wants. XXXX van would help us and him he got driving license, he can drive himself to be independent. But I am really sad today, after checking credit report XXXX company declined a loan today in the morning they were agree to give me a loan, I have their email they sent to me that they can not approve. I wish the lady at Receivable Performance Management refused to remove this unfair reporting May face the same situation when she will have some in her family XXXX and then she can feel the pain, she or any other did to me. In last humble request to remove wrong reporting from credit Bureau, if I do n't get your positive response, I will go ahead and get legal help to non-stop continue for justice, you do n't have right harm and descriminate any XXXX you want. 
I received only XXXX call from this company in XXXX, I was told the debt that I did not knew, I am still XXXX customer and they did not inform me. Email they told me sent to me was not my email. They never called me, I been calling them to take care of mistaken transaction. Phone record is attcahedrequested them to email me that I received on XXXX XXXX, XXXX and made payment on XXXX XXXX tThey have mentioned due date XXXX/XXXX/XXXX. Why you Ruined my credit report

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