Consumer complaint received 2022-01-20
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I returned a vehicle that I was leasing for the purposes of driving for rideshare, which was originally leased through XXXX XXXX leasing, later sold to a company named Fair, the vehicle was returned to Fair with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX. I was notified by mail by Receivables Performance Management on XX/XX/XXXX, with a letter dated XX/XX/XXXX, regarding an alleged debt. I have reason to believe I do not owe this debt because I paid on time every month and I have never been contacted in any form by XXXX XXXX XXXX XXXX XXXX or XXXX or XXXX XXXX about a balance. 

I verified my account was in good standing before and after closing the account with XXXX XXXX. 

I have never been contacted in any way by XXXX  XXXX since closing the account. I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XXXX. 

I certified mailed a validation letter which was postmarked XX/XX/XXXX, and Receivables Performance Management received it on XX/XX/XXXX. 

I did not receive a response until XX/XX/XXXX, with a settlement letter dated XX/XX/XXXX, from Receivables Performance Management. Receivables Performance Management never validated the debt. 

I contacted XXXX at XXXX a number thats located on their website at XXXX XXXX XXXX. XXXX said they do not have my records and that XXXX XXXX XXXX bought the company and I should contact them. I was given the following information XXXX XXXX XXXX  XXXX XXXX or XXXX. XXXX XXXX XXXX is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. Receivables Performance Management is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor " XXXX XXXX XXXX '', which was bought by Fair. 

I have never been informed of a transfer of debt or existence of debt with any of the aforementioned companies, except the attempt at collections by Receivables Performance Management. 

I have records of my original lease and all of the transactions from the original lease. So, I am asking to file this complaint against Receivables Performance Management whom I believe is representing either a company or a debt or both falsely, or that they simply do not exist.

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