Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (OR)

Some months ago ( exact date not recalled ), I allowed my credit card to be used by a man and his wife ( who are long time friends ) for purposes of signing up for aXXXX XXXX account. Apparently they were very unhappy with the service and decided to return to XXXX XXXX with whom they had previously dealt. They contacted XXXX advising them of their desire to cancel service, and returned the equipment in packaging provided by XXXX via the XXXX Post Office, however the gentleman failed to obtain a return receipt for his own records. 
Ultimately XXXX XXXX denied having received the equipment and told the couple they would be charged for it accordingly. A dispute resulted and the couple refused payment or further responsibility, at which point the matter was turned over to some collection agency and from there to this current XXXX who eventually obtained my contact information and began making numerous calls to be, often as many as XXXX to XXXX calls in a single day. 

During my initial efforts to carefully explain and diffuse the situation, I made every possible effort to fully explain the entire matter at great length while remaining very thoughtful, considerate, and non-confrontational at all times with each person who contacted me. This continued for perhaps XXXX to XXXX different calls on various occasions, during which I repeatedly explained matters while also explaining my own extensive health problems and XXXX, but ASSURED that I would assume responsibility for the debt and further assure that it would NOT go unpaid ultimately, while further explaining that I first needed to get extra income available in order to meet existing expenses at moment. 

I was told that they would continue contacting me, and I told them that would be good and well on a reasonable periodic basis, but that the persistent and increasing number of calls on a daily basis was non-productive and could not accomplish anything of meaning either for themselves or my person in getting all of this taken care of. The gentleman at that time assured me that the constant and daily flow of calls would be addressed right away. Regretfully that never happened, and the calls have continued in spite of my efforts to stop them by " blocking '' and other measures, however I no longer bother to respond because it apparently does n't mean anything. 

In terms of personal health, I have serious heart, respiratory, and central nerve issues all of which are admittedly being aggravated by the stress resulting from what has become a matter of sheer harassment, and while having done my utmost to address these matters in a fully responsible, considerate, and prudent manner it has seemingly been to no avail. I would most deeply appreciate whatever manner of relief might be available at this point, because the added stress is more than a little difficult to deal with at the moment please. 

Originally this dispute revolved around a claim by XXXX XXXX that the equipment returned had not been received, however the claim has since been made that the clamed charges are due to a matter of " early termination '' leaving me to wonder if they are even clear concerning the stated nature of this entire issue. 

Thank you for your thoughtful attention and consideration in this matter, and I wish you all a wonderful holiday season. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX