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Receivables Performance Management (RPM) Complaints

Receivables Performance Management, LLC ("RPM", also "RPM Collections") was a debt collection agency in Lynnwood, Washington, started in 2002, that collected consumer accounts for telecom, utility, card and other lenders; complainants most often said the accounts were old Sprint, Verizon, AT&T or MCI bills. It has closed: minutes of Maryland's State Collection Agency Licensing Board for August 8, 2023 record RPM surrendering its license because it "experienced significant financial losses during the pandemic and decided to close its operations." By late 2023 its website told consumers their accounts had been closed in its office; the BBB flags the business "Out-of-Business known or suspected," and the last complaint in the CFPB database is dated February 2023.

The record: 2,449 CFPB complaints (2013–2023), about half of them about attempts to collect a debt the consumer says is not owed; 171 published complaint reports linked to this profile, filed between 2004 and 2012; many individual FDCPA and TCPA suits; and a 2021 data breach, disclosed in November 2022 to about 3.77 million people, that ended in a $5.6 million class settlement approved in December 2024. A separate Massachusetts class action over call frequency, Powers v. RPM, ended in a $1.95 million settlement that the court approved on October 8, 2026.

REVIEWS & COMPLAINTS171on USAComplaints · none in last 3 yrs · latest 2012
PROFILE CHECKED2026-11-02
Submit a Complaint Read reviews & complaints ↓
EDITORIAL

Is Receivables Performance Management (RPM) Legitimate?

BBB, CFPB

Legal name
Receivables Performance Management, LLC
Founded
2002
Business type
Third-party debt collection agency (closed its operations in 2023)

Receivables Performance Management was a licensed debt collection agency. According to the BBB, it began business on August 1, 2002, and offered "pre-collect, 1st Party and 3rd Party and commercial debt collections for some of the largest telecommunications, utilities and financial institutions in the United States" from an office at 20818 44th Ave W, Ste 140, Lynnwood, WA (BBB profile). Its own website described clients in bank and retail cards, auto finance, telecommunications, media, utilities, healthcare and commercial finance.

It has since closed. Minutes of Maryland's State Collection Agency Licensing Board for August 8, 2023 list Receivables Performance Management, LLC (NMLS ID 934167) among the licensees that had surrendered their Maryland licenses, with the company's stated reason: "RPM experienced significant financial losses during the pandemic and decided to close its operations" (Maryland Department of Labor minutes, PDF). By November 2023 its website told consumers that their accounts had been closed and that RPM would no longer contact them (archived copy). The BBB now flags the business "Out-of-Business known or suspected" and gives no rating "because it is out of business," and the last complaint in the CFPB database was received February 19, 2023.

RPM was not BBB-accredited. The North Carolina Department of Insurance, which licenses collection agencies in that state, entered into a voluntary settlement agreement with RPM in November 2004. According to the agreement, RPM had been a division of Credit International Corporation and operated under that company's North Carolina permit; after it became a separate limited liability company in August 2002, it kept collecting in North Carolina without its own permit. RPM applied for a permit and paid a $1,000 civil penalty, and the agreement resolved the matter without other administrative action (NC DOI regulatory actions).

RPM was a defendant in many private lawsuits, mostly individual Fair Debt Collection Practices Act, Telephone Consumer Protection Act and Fair Credit Reporting Act suits filed in federal courts across the country. One that produced an appellate ruling is Webster v. Receivables Performance Management, LLC (7th Cir. No. 21-1299). RPM had stopped monitoring the fax line it used for disputes without telling consumers, while the number stayed listed with the national licensing registry, so a faxed dispute went unrecorded and the debt stayed on the consumer's credit report without a dispute notation. On February 2, 2022 the Seventh Circuit held that RPM had no reasonable procedure to catch such disputes and could not rely on the "bona fide error" defense; it reversed the judgment for RPM and sent the case back to the district court (opinion, PDF).

RPM also had a data breach in 2021. According to the class complaint, personal information including names and Social Security numbers was exposed from April 8 to May 21, 2021; RPM discovered the incident on May 12, 2021, and began notifying affected people in November 2022. The consolidated class action, Hightower v. Receivables Performance Management, LLC, ended in a $5,600,000 settlement fund that the court approved on December 6, 2024 (docket). A settlement resolves claims; it is not a court finding that the allegations were true.

A second class case, Powers v. Receivables Performance Management, LLC (D. Mass., No. 4:21-cv-12125), alleged that RPM called Massachusetts residents more than twice in a seven-day period in violation of the state's debt collection regulations and consumer protection law. On June 8, 2023 the First Circuit dismissed RPM's appeal on arbitration for lack of jurisdiction (opinion, PDF). The court certified the class in part on September 25, 2025, and on October 8, 2026 approved a $1,950,000 settlement and dismissed the case; RPM denies any wrongdoing (settlement website).

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBBComplaints in the last 3 years, all marked unpursuable because BBB cannot locate the business
4 complaints · BBB business grade Not Rated
CFPBAll complaints received 2013 to 2023
2,449 complaints
EDITORIAL

Complaint Themes

Collecting a debt the consumer says was already paid or is not theirsRepeated or harassing calls, including to wrong numbersRude or threatening agents; misrepresentationDisputed balances reported to credit bureausValidation of the debt not provided2021 data breach (3.77 million people)

Themes summarize what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 171 historical complaints about Receivables Performance Management (RPM), published between 2004 and 2012. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.

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EDITORIAL

What complaints about Receivables Performance Management describe

Two complaint records cover different periods of RPM's history. This site holds 171 published complaint reports linked to this profile, filed between 2004 and 2012 and concentrated in 2006 to 2008 (businesses that merely share the "RPM" initials are not included). Complainants most often named Sprint as the original creditor, followed by Verizon, AT&T and MCI/WorldCom; these are the complainants' own statements, not a client list published by the company.

The allegations that recur most in these complaints: the debt had already been paid or settled but was still pursued or reported; repeated, harassing calls; rude or hostile collectors; threats or misrepresentation, such as warnings of a lawsuit or requests for a Social Security or card number; calls to the wrong person or to third parties; and a disputed balance that stayed on the consumer's credit report.

The CFPB's federal complaint database covers the later years, 2013 to 2023, and lists 2,449 complaints: 2,228 about debt collection and 213 about credit reporting. The top issue is "Attempts to collect debt not owed" (753), plus 446 more under the older label for the same issue, together about half of all complaints. Other frequent issues are "Written notification about debt" (337, mostly not enough information to verify the debt) and "Communication tactics" (302, mostly frequent or repeated calls). The most common sub-issues are "Debt is not yours" (393), "Debt was paid" (186) and "Debt was result of identity theft" (166). CFPB complaints are consumer reports, not agency findings, and the database is not a statistical sample.

The BBB complaints page shows only 4 complaints in the last three years, filed between February and November 2024, and marks each one "Unpursuable," meaning BBB could not locate the business. Complainants on this site described calls from numbers with Virginia (703, 571) and Maryland (240) area codes; those numbers are not listed here because they come only from consumer reports.

Had an experience with Receivables Performance Management (RPM)? Tell other people what happened.

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EDITORIAL

RPM is on my credit report or someone says they are calling from RPM — what now?

If Receivables Performance Management, LLC (also known as RPM or RPM Collections) shows up on your credit report, or someone contacts you saying they are from RPM, keep in mind that the company has closed, so a letter to RPM itself will probably go unanswered. RPM surrendered its Maryland collection agency license in 2023, telling regulators it had decided to close its operations (Maryland licensing board minutes, PDF). By November 2023 its website, receivablesperformance.com, carried only a notice that any account with RPM "has since been closed in our office" and that consumers would "no longer receive any communications" from the company (archived copy). The site is now offline and its payment site, rpmpay.com, is a parked domain.

If RPM is on your credit report:

  • Get your free reports from all three bureaus at AnnualCreditReport.com and note how each one lists the RPM account, including the original creditor and the date of first delinquency.
  • Dispute the entry directly with Equifax, Experian and TransUnion through each bureau's online, mail or phone dispute process. Under the Fair Credit Reporting Act the bureau must investigate, usually within 30 days, and must delete information it cannot verify, which matters when the collector no longer exists.
  • Check the date of first delinquency. A collection account can generally be reported for no more than seven years, counted from 180 days after the original account first went delinquent. Debts from the 2004 to 2012 period that most complaints about RPM on this site concern should no longer appear; if one does, dispute it as obsolete.
  • Ask the original creditor (complainants here most often named Sprint, Verizon or AT&T) who owns or services the account now, and send any dispute to that company as well.
  • If the account is not yours because someone opened it in your name, report the identity theft at IdentityTheft.gov. The FTC identity theft report it produces lets you ask each bureau to block the fraudulent account under the Fair Credit Reporting Act.
  • If a bureau does not fix the entry, file a complaint with the CFPB, which supervises the national credit bureaus.

If someone calls or writes claiming to be "from RPM":

  • Do not give personal information or pay anything until you have verified the caller: ask for the company name, mailing address, phone number, state license number, the original creditor and the amount, and ask for the validation notice in writing.
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    Federal rules require a collector to send that notice; if the debt is not yours or the amount is wrong, dispute it in writing within the 30-day validation period.

  • Very old debts are usually past the state statute of limitations. Under the CFPB's Regulation F a collector may not sue or threaten to sue on a time-barred debt, and in some states a partial payment can restart the clock, so check before paying anything.
  • Never pay by gift card, wire transfer, payment app or cryptocurrency. If you already paid a caller by credit card, contact your card issuer at once; under the Fair Credit Billing Act a written billing-error dispute must reach the issuer within 60 days after the first statement showing the charge.
  • Report suspected impersonation to the FTC at ReportFraud.ftc.gov, and file a complaint with the CFPB and your state attorney general.

If you received a data-breach notice from RPM around November 2022: you were in the class in Hightower v. Receivables Performance Management, LLC, which covered everyone in the United States whom RPM notified that their personal information was potentially compromised in the 2021 data breach. The claims deadline, November 12, 2024, has passed, and the court granted final approval on December 6, 2024 (ClassAction.org).

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The settlement administrator was Kroll Settlement Administration LLC; the settlement website, rpmdatasettlement.com, is no longer active. If you have not already, consider freezing your credit with all three bureaus and watching your reports for accounts you did not open.

If you live in Massachusetts and RPM called you repeatedly: Powers v. Receivables Performance Management, LLC (D. Mass., No. 4:21-cv-12125) covered Massachusetts residents whom RPM called more than twice in a seven-day period about a debt more than 30 days past due. The opt-out deadline was August 26, 2026, and the court approved the $1,950,000 settlement on October 8, 2026. Class members who did not opt out receive an equal direct payment of up to $25 without filing a claim; RPM denies liability.

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To ask whether you are a class member, or to give a new mailing address so the payment reaches you, contact the settlement administrator, CPT Group, toll-free at 1-888-593-1033; the court orders are posted on rpmclass.com.

PUBLIC RECORD

Court & Public Records

Hightower et al. v. Receivables Performance Management, LLC (2021 data breach class action)

Settled

U.S. District Court, Western District of WashingtonDocket 2:22-cv-01683-RSMSource ↗

Settled

A settlement resolves claims; it is not an admission that the allegations were true.

Case details: Hightower et al. v. Receivables Performance Management, LLC (2021 data breach class action)Show less

About ten data-breach suits filed against RPM in the Western District of Washington in late 2022 were consolidated into Hightower. The settlement agreement, filed July 17, 2024, created a $5,600,000 fund, which it calls "the limit and extent of the monetary obligations of RPM." Class members could claim reimbursement of documented out-of-pocket losses traceable to the breach, payment for time spent dealing with it, and three years of three-bureau credit monitoring. The court preliminarily approved the settlement on August 2, 2024, for everyone in the United States whom RPM had notified that their personal information was potentially compromised (about 3.77 million people, according to court filings), with Kroll Settlement Administration LLC as administrator. The claims deadline was November 12, 2024. Judge Ricardo S. Martinez granted final approval on December 6, 2024.

Powers v. Receivables Performance Management, LLC (Massachusetts call-frequency class action)

Settled

U.S. District Court, District of MassachusettsDocket 4:21-cv-12125-MRGSource ↗

Settled

RPM denies any wrongdoing and liability, and the final order states that the settlement is not an admission of fault.

Case details: Powers v. Receivables Performance Management, LLC (Massachusetts call-frequency class action)Show less

Stephanie Powers sued in Massachusetts Superior Court on September 21, 2018, alleging RPM called her more than twice in a seven-day period about a Verizon landline debt, in violation of the Massachusetts debt collection regulation 940 CMR 7.04(1)(f) and the Consumer Protection Act, Mass. Gen. Laws ch. 93A. The state court denied RPM's motion to compel arbitration under Powers' Verizon contract, and RPM removed the case to federal court in December 2021. On June 8, 2023 the First Circuit dismissed RPM's appeal from the federal court's refusal to send the case to arbitration, holding that it lacked jurisdiction over that interlocutory appeal (No. 22-1500). On September 25, 2025 Judge Margaret R. Guzman granted RPM's summary-judgment motion in part and denied it in part, and granted class certification in part, for Massachusetts residents whom RPM called more than twice in seven days about a debt more than 30 days past due (Doc. 155). A settlement creating a $1,950,000 fund was preliminarily approved on May 28, 2026 (Doc. 196). On October 8, 2026 the court granted final approval (Doc. 205), awarded class counsel $650,000 and the class representative a $10,000 service award (Doc. 206), and dismissed the case with prejudice. Class members who did not opt out receive equal direct payments of up to $25 without filing a claim; the administrator is CPT Group, Inc.

Webster v. Receivables Performance Management, LLC

Appeal decided

U.S. Court of Appeals for the Seventh CircuitDocket 21-1299Source ↗

Appeal decided

The appeals ruling did not award damages; it sent the claim back for further proceedings.

Case details: Webster v. Receivables Performance Management, LLCShow less

The plaintiff, September Webster, disputed a DirecTV debt that RPM was collecting. Her attorney faxed the dispute to the RPM fax number still listed with the Nationwide Multistate Licensing System & Registry, which licenses debt collectors in Indiana, and received a confirmation that the fax went through. Several months earlier RPM had, without announcement, removed that number from its website and stopped checking the fax inbox, so it never learned of the dispute, and her credit report later showed the debt without the dispute. The district court (S.D. Ind., No. 1:18-cv-03940) granted RPM summary judgment on its "bona fide error" defense. On February 2, 2022 the Seventh Circuit, deciding the appeal together with Ewing v. MED-1 Solutions (No. 21-1276), reversed that judgment and remanded the case to the district court: it held that RPM had no reasonable procedure to make sure faxed disputes were reported, so the defense did not apply.

EDITORIAL

Receivables Performance Management overview

Receivables Performance Management, LLC, also known as RPM or RPM Collections, was a third-party debt collection agency at 20818 44th Ave W, Ste 140, Lynnwood, WA 98036. According to the Better Business Bureau, the company began business on August 1, 2002 (BBB profile).

BBB describes it as having offered "third party debt collection services," including "pre-collect, 1st Party and 3rd Party and commercial debt collections for some of the largest telecommunications, utilities and financial institutions in the United States." Before August 2002 RPM operated as a division of Credit International Corporation, another Washington collection company, according to a 2004 North Carolina Department of Insurance settlement agreement.

More company historyShow less

Complainants on this site, whose complaints date from 2004 to 2012, most often said the underlying accounts were with telecom carriers such as Sprint, Verizon, AT&T and MCI/WorldCom; the CFPB database, which covers 2013 to 2023, records the issues but not the creditors. The company closed its operations in 2023, citing pandemic-era financial losses when it surrendered its Maryland license (Maryland licensing board minutes, PDF).

EDITORIAL

Frequently Asked Questions

Is Receivables Performance Management still in business?

The company has closed. Minutes of Maryland's State Collection Agency Licensing Board for August 8, 2023 list Receivables Performance Management, LLC (NMLS ID 934167) among the licensees that had surrendered their Maryland collection agency licenses, with the company's stated reason: "RPM experienced significant financial losses during the pandemic and decided to close its operations" (Maryland Department of Labor minutes, PDF). By November 2023 its website told consumers that any account with RPM "has since been closed in our office" (archived copy); the site is now offline and its payment site, rpmpay.com, is a parked domain. The BBB flags the business "Out-of-Business known or suspected" and gives no rating "because it is out of business," and the last complaint in the CFPB database was received February 19, 2023.

How do I remove RPM from my credit report?

Dispute the entry directly with Equifax, Experian and TransUnion. Under the Fair Credit Reporting Act each bureau must investigate, usually within 30 days, and delete information it cannot verify, which matters because RPM has closed. Check the date of first delinquency: a collection account can generally be reported for no more than seven years, counted from 180 days after the original account first went delinquent, so an old RPM entry may be obsolete and should be disputed on that ground. Ask the original creditor (complainants here most often named Sprint, Verizon or AT&T) who holds the account now. If the account was opened in your name by someone else, report it at IdentityTheft.gov and use the FTC report to ask the bureaus to block it. If a bureau will not correct the entry, file a complaint with the CFPB. The CFPB complaint database shows many consumers raised the same "debt is not yours" (393 complaints) or "debt was paid" (186 complaints) issues about RPM.

What was the Receivables Performance Management data breach settlement?

RPM had a data breach in 2021. According to the class complaint, names, Social Security numbers and other personal information of 3,766,573 people were exposed from April 8 to May 21, 2021; RPM discovered the incident on May 12, 2021, and began notifying affected people in November 2022. The consolidated case, Hightower v. Receivables Performance Management, LLC (W.D. Wash., No. 2:22-cv-01683), settled for a $5,600,000 fund. Class members could claim reimbursement of documented losses traceable to the breach, payment for time spent dealing with it, and three years of three-bureau credit monitoring. The court granted final approval on December 6, 2024 (docket). The claims deadline, November 12, 2024, has passed (ClassAction.org); the administrator was Kroll Settlement Administration LLC, and the settlement website, rpmdatasettlement.com, is no longer active. A settlement is not a court finding that the allegations were true.

Who did RPM Collections collect debts for?

According to the BBB, RPM provided "pre-collect, 1st Party and 3rd Party and commercial debt collections for some of the largest telecommunications, utilities and financial institutions in the United States." Its own website listed bank and retail cards, auto finance, telecommunications, media, utilities, healthcare and commercial finance among the sectors it served. Complaints filed on this site from 2004 to 2012 most often named Sprint, Verizon, AT&T and MCI/WorldCom as the original creditors; court records show Verizon in the Massachusetts class case and DirecTV in a federal appeal. These are the creditors named by consumers and courts, not a client list published by the company.

Someone called me claiming to be RPM Collections. Is it real?

Treat it with caution. RPM told Maryland regulators in 2023 that it had decided to close its operations, its website told consumers their accounts were closed and that RPM would no longer contact them, the BBB flags the business "Out-of-Business known or suspected," and its last CFPB complaint was received in February 2023. A caller using the RPM name today may be another collector that bought or took over the account, or an impostor. Do not share personal information or pay until you have verified the caller: ask for the company name, mailing address, phone number, state license number, original creditor and amount, and ask for the debt validation notice in writing. Never pay by gift card, wire transfer, payment app or cryptocurrency. Report suspected impersonation to the FTC at ReportFraud.ftc.gov and file a complaint with the CFPB and your state attorney general.