Independent profile — not affiliated with Receivables Performance Management (RPM)
Receivables Performance Management (RPM)
Receivables Performance Management, LLC ("RPM", also "RPM Collections") was a Lynnwood, Washington debt collection agency, started in 2002, that collected consumer balances for telecom, utility and financial-institution clients (per BBB); 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"; as of September 27, 2026 BBB flags the file "Out-of-Business known or suspected" and gives no rating, its payment site is parked for sale and its main site no longer loads, and the last complaint in the CFPB database is dated February 2023.
The record: 2,449 CFPB complaints (2013–2023), about half of them filed as attempts to collect a debt not owed; 203 complaints on USAComplaints, almost all from 2006–2012; a long run of individual FDCPA and TCPA suits; and a 2021 ransomware attack after which 3,766,573 people were told their data may have been accessed, ending in a $5.6 million class settlement approved in December 2024. A separate Massachusetts class action over call frequency (Powers v. RPM) has a proposed $1.95 million settlement awaiting a final approval hearing on October 8, 2026.
Complaints & Reviews on USAComplaints
USAComplaints currently maintains 203 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 below.
- Unprofessional Rip off
- Harrassing phone calls and hanging up in my face before i finish talking
- RPM Sneaky, lying, untrustworthy
- Rpmpayments.com Sent a notice of collection. Never heard of them or the FAKE cell phone # they said I had
- Multiple call to our home
- Harassment calling every day
- Constant calls
- Collections
- Libraries
- Receivables Performance Management Balance hit my credit, Will not return messages left, individuals continue to hang up one me when requesting to pay balance
- I have called RPM twice already, first I called 2 weeks ago to make a payment for the amount w/c I thought I should have been billed for by Verizon and the man who answered was rude. He even lectured
- Repeated Harassing Calls Without Ever Disclosing a Debt
- Collecting on A Debt paid
- Bad company
- Sprint
- Repeated phone calls
- Harassing phone calls/hang ups
- Scammers
- RPM has been calling our home over and over and ove
- They obviously care little about the law or whether a debt is actually valid
Complaint Themes
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
RPM is on my credit report or someone says they are calling from RPM — what now?
If Receivables Performance Management, LLC (also doing business as RPM or RPM Collections) shows up on your credit report or someone calls claiming to be from RPM, start with the credit bureau's own dispute process (steps below) — and know that the company has closed, so a letter to RPM may go unanswered. Minutes of Maryland's State Collection Agency Licensing Board for August 8, 2023 record Receivables Performance Management, LLC (NMLS ID 934167) among the licensees that surrendered their Maryland collection-agency licenses in the previous 30 days, 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). The Better Business Bureau likewise flags it "Out-of-Business known or suspected" and gives it no rating "because it is out of business" (BBB profile). Its payment site, rpmpay.com, now redirects to a domain-for-sale page, and its main site, receivablesperformance.com, would not load on September 27, 2026; the last text seen there — quoted in a BBB complaint dated October 13, 2023 — was a notice that the account "has since been closed in our office" and "You will no longer receive any communications from Receivables Performance Management, LLC" (BBB complaints). A search-result summary of a Florida corporate record indicated a foreign-LLC withdrawal filed January 30, 2024, but the Sunbiz registry was down for maintenance when we tried to open the record, so treat that date as unconfirmed. Its last complaint in the CFPB database is dated February 19, 2023 (CFPB complaint search). That means there may be nobody left at the company to answer a dispute letter.
If RPM is on your credit report:
- Dispute the tradeline with Equifax, Experian and TransUnion through each bureau's own dispute process; the Fair Credit Reporting Act lets you dispute with the bureau directly, which matters when the collector may no longer exist.
- Contact the original creditor — complainants on this site most often named Sprint, Verizon or AT&T — and ask who owns or services the account now that RPM appears closed.
- Check the dates on the tradeline. Negative information generally cannot be reported for more than about seven years from the original delinquency, so if the account goes back to the 2006–2012 period that dominates complaints about RPM on this site, ask the bureau to verify the reporting period as well as the balance, and dispute anything inaccurate or obsolete with both the bureau and the company currently furnishing the account.
If someone calls or writes claiming to be "from RPM":
- Do not give out personal information or pay anything until you have verified the caller independently: ask for the company name, mailing address, phone number, license information, the original creditor and the amount claimed, and ask for the debt validation information in writing. If the debt is not yours or the amount is wrong, dispute it in writing within 30 days of the validation notice.
- Do not pay by gift card, wire transfer or cryptocurrency.
- Be skeptical: RPM's payment site is parked for sale and its main site no longer loads, so a live caller claiming to represent RPM today is unusual. Report suspected impersonation to the FTC (reportfraud.ftc.gov) and the CFPB.
If you received a data-breach notice around November 2022: you were likely part of the class in Hightower v. Receivables Performance Management, LLC, which covered the 3,766,573 people sent notice that their data may have been accessed in the 2021 ransomware incident (RPM's notice said the forensic findings were "not conclusive"). The settlement administrator was Kroll Settlement Administration LLC (appointed in the August 2, 2024 preliminary approval order), and the claims deadline, November 12, 2024, has passed (ClassAction.org); the settlement website, rpmdatasettlement.com, no longer resolved on September 27, 2026. If you have not already, consider freezing your credit with all three bureaus and watching for signs of identity misuse.
If you live in Massachusetts and RPM called you repeatedly: a separate class settlement, Powers v. Receivables Performance Management, LLC (D. Mass., No. 4:21-cv-12125), covers Massachusetts residents whom RPM called more than twice in a seven-day period about a debt more than 30 days past due; RPM denies liability. The proposed $1,950,000 fund would pay class members up to $25 each automatically, with no claim form; the opt-out and objection deadline was August 26, 2026, and the final approval hearing is set for October 8, 2026 (settlement administrator CPT Group, 1-888-593-1033; rpmclass.com).
To see whether others have filed similar complaints, the CFPB complaint database is a useful research tool — it lists 2,449 complaints against this company. Those are consumer reports, not findings by the CFPB, and the count is not adjusted for the volume of accounts the company handled.
What complaints about Receivables Performance Management describe
Two independent complaint records cover different periods of RPM's history. On USAComplaints, complaints about RPM the collector (as opposed to unrelated businesses also named "RPM") were filed 2004–2012, totaling 203 distinct complaints (five further entries are duplicate reposts and are not counted): the peak years were 2006 (28), 2007 (40), 2008 (53), and 2009 (32), tapering off after 2012. The creditors complainants named most often were Sprint (66), Verizon (25), AT&T (19) and MCI/WorldCom (18) — the complainants' attributions, not a client list published by the company.
The recurring allegations in these complaints: the debt was already paid or settled but still pursued or reported (43), harassing repeat calls (32), rude or hostile agents (24), threats or misrepresentation such as fake lawsuit threats or phishing for a Social Security or card number (21), calls to the wrong person or a third party (19), and a disputed balance still reported to credit bureaus (18).
The CFPB's federal complaint database covers a later period, 2013–2023, and lists 2,449 complaints, 2,228 of them under "Debt collection" and about 213 under credit reporting. The top issue is "Attempts to collect debt not owed" (753), plus an older label for the same issue (446) — together describing roughly half of all complaints; other frequent issues are "Written notification about debt" (337) and "Communication tactics" (302). Common sub-issues include "Debt is not yours" (393) and "Debt was paid" (186). CFPB complaints are consumer reports, not agency findings, and the database is not a statistical sample.
The BBB's own complaints page shows a much smaller, more recent set: 6 complaints in the last three years (dated October 2023 through November 2024), and BBB marks every one "Unpursuable" (BBB profile). Complainants on this site described calls from Virginia (703/571) and Maryland (240) area-code numbers; this page does not publish those numbers because they are consumer-reported and not confirmed as the company's.
Is Receivables Performance Management (RPM) Legitimate?
Receivables Performance Management was a real, operating debt collection company, not a fabricated name. 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).
It has since closed. Minutes of Maryland's State Collection Agency Licensing Board for August 8, 2023 record Receivables Performance Management, LLC (NMLS ID 934167) among the licensees that surrendered their Maryland collection-agency licenses in the previous 30 days, 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). Other signals corroborate this: the BBB's own alert reads "Out-of-Business known or suspected" and gives it no rating "because it is out of business"; rpmpay.com now redirects to a parked domain-for-sale page and receivablesperformance.com would not load on September 27, 2026 (its last visible text, quoted in a BBB complaint of October 13, 2023, said accounts had "since been closed in our office" — BBB complaints); a search-result summary of a Florida corporate record indicated a foreign-LLC withdrawal filed January 30, 2024 (the Sunbiz registry was down for maintenance when we tried to open it, so the date is unconfirmed); and its last complaint in the CFPB database is dated February 19, 2023, with none recorded in 2025 or 2026. Washington Secretary of State data as reproduced by OpenGovWA (the official CCFS search returned no results when we tried) lists the LLC under UBI 602226604, formed August 12, 2002, with status "Active" and an expiration date of August 31, 2023 — a lapsed renewal, not a filed dissolution (OpenGovWA record).
Searches did not turn up any CFPB, FTC, or state attorney general enforcement action against the company. The one regulatory action found is historical: the North Carolina Department of Insurance lists a 2004 "Voluntary Settlement Agreement" with a fine/penalty for Receivables Performance Management LLC under its collection-agency oversight (NC DOI regulatory actions). That absence of anything more recent is not proof of a clean record — it only means none was found in the sources checked.
RPM does appear as a defendant in many private lawsuits: a CourtListener docket search for its name returned 564 results on September 27, 2026; the ones we reviewed (2011–2023) are individual Fair Debt Collection Practices Act, Telephone Consumer Protection Act and Fair Credit Reporting Act suits in many federal districts, most closed within months without a public outcome. One case that did produce a written ruling, Webster v. Receivables Performance Management, LLC (7th Cir. No. 21-1299, decided February 2, 2022 together with Ewing v. MED-1 Solutions, No. 21-1276), held that RPM could not use the "bona fide error" defense after it quietly stopped accepting disputes sent by fax without telling debtors or their attorneys, so the appeals court reversed the case and sent it back to the district court; the result after remand was not found (opinion, official PDF via govinfo).
Separately, RPM disclosed a ransomware attack (unauthorized access reportedly from April 8, 2021; RPM's notice said its forensic findings were "not conclusive" about what data was taken); the resulting consolidated class action, Hightower v. Receivables Performance Management, LLC, ended in a $5,600,000 settlement fund with final court approval entered December 6, 2024 (docket). A settlement resolves a claim; it is not a court finding that the underlying allegations were true.
A second class case is still open even though the company has closed: Powers v. Receivables Performance Management, LLC (D. Mass., No. 4:21-cv-12125), which alleges RPM called Massachusetts residents more than twice in a seven-day period in violation of the state's debt-collection regulations and consumer-protection act. The court certified the class on September 25, 2025 and preliminarily approved a $1,950,000 settlement on May 28, 2026; RPM denies any wrongdoing, and the final approval hearing is set for October 8, 2026 (settlement website). Earlier, on June 8, 2023, the First Circuit dismissed RPM's attempt to appeal the denial of arbitration as an improper interlocutory appeal (opinion, govinfo).
Receivables Performance Management overview
Receivables Performance Management, LLC — also known as RPM or RPM Collections — was a third-party debt collection agency based at 20818 44th Ave W, Ste 140, Lynnwood, WA 98036. According to the Better Business Bureau, the company began business on August 1, 2002, and its BBB file was opened September 29, 2008 (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." BBB lists its management as Howard George (Manager), Chris Vitoz (COO), Mark Case (Manager), and Keith Brammer (Member).
Complainants on this site (2004–2012) most often said the underlying accounts were with telecom carriers such as Sprint, Verizon, AT&T and MCI/WorldCom; the CFPB database (2013–2023) records the issues but not the creditors. The company closed its operations in 2023: Maryland licensing-board minutes of August 8, 2023 record RPM surrendering its collection-agency license because it "experienced significant financial losses during the pandemic and decided to close its operations" (minutes, PDF); see the sections below for the corroborating records.
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| Hightower et al. v. Receivables Performance Management, LLC (2021 data breach class action) Docket 2:22-cv-01683-RSM | U.S. District Court, Western District of Washington | Settled | Settled Multiple individual data-breach suits filed in the Western District of Washington in late 2022 (Tristan, Hightower, Damon, Goins, Shemelya, Jones, Maines, Pollitt, Moss, Ramirez) were consolidated into Hightower. The Settlement Agreement (filed July 17, 2024) created a $5,600,000 fund, described as "the limit and extent of the monetary obligations of RPM," covering three-bureau credit monitoring and reimbursement of documented losses. The court preliminarily approved the settlement August 2, 2024, defining the settlement class as the 3,766,573 people sent breach notice and appointing Kroll Settlement Administration LLC as settlement administrator. The claims deadline was November 12, 2024 (per ClassAction.org's settlement page). Judge Ricardo S. Martinez entered a Final Approval Order and Judgment December 6, 2024, and the docket was terminated December 20, 2024. A settlement resolves claims; it is not an admission that the allegations were true. | Source | |
| Powers v. Receivables Performance Management, LLC (Massachusetts call-frequency class action) Docket 4:21-cv-12125-MRG | U.S. District Court, District of Massachusetts | Settled | Settled 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 debt, in violation of 940 CMR 7.04(1)(f) and Mass. Gen. Laws ch. 93A; the case was removed to federal court in December 2021. RPM's attempt to appeal the denial of its motion to compel arbitration was dismissed by the First Circuit on June 8, 2023 as an improper 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 certified a class of Massachusetts residents whom RPM called more than twice in seven days about a debt more than 30 days past due (Doc. 155). A settlement agreement creating a $1,950,000 fund was preliminarily approved May 28, 2026 (Doc. 196); class members are to receive direct payments of up to $25 without filing a claim, the opt-out/objection deadline was August 26, 2026, and the final approval hearing is set for October 8, 2026 (settlement administrator: CPT Group, Inc.). RPM denies any wrongdoing and liability; a settlement is not a finding that the allegations were true. | Source | |
| Webster v. Receivables Performance Management, LLC Docket 21-1299 | U.S. Court of Appeals for the Seventh Circuit | — | Judgment | Judgment entered The case arose after a consumer's attorney faxed a dispute notice to the number RPM had on file with the NMLS registry — but RPM had quietly stopped accepting faxed disputes months earlier, so the dispute was never recorded and the debt was never reported to credit bureaus as disputed. Decided together with a companion case, Ewing v. MED-1 Solutions (No. 21-1276; RPM's appeal is No. 21-1299), the Seventh Circuit held that RPM's lack of any procedure to catch this kind of failure meant it could not claim the "bona fide error" defense, unlike MED-1's one-time mistake. On February 2, 2022 the appeals court reversed the district court's judgment for RPM and remanded the case; the outcome after remand was not found in available records. | Source |
Frequently Asked Questions
Is Receivables Performance Management still in business?
No. Minutes of Maryland's State Collection Agency Licensing Board for August 8, 2023 record Receivables Performance Management, LLC (NMLS ID 934167) among the licensees that surrendered their Maryland collection-agency licenses in the previous 30 days, 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). Other records corroborate the closure: the BBB flags Receivables Performance Management "Out-of-Business known or suspected" and gives it no rating "because it is out of business"; its payment site rpmpay.com is parked for sale and its main site receivablesperformance.com would not load on September 27, 2026 (a BBB complaint of October 13, 2023 quoted the site as saying accounts had "since been closed in our office"); its last complaint in the CFPB database is dated February 19, 2023, with none in 2025 or 2026 (CFPB database). A search-result summary of a Florida corporate record indicated a foreign-LLC withdrawal filed January 30, 2024, but Sunbiz was offline for maintenance when we tried to open it. Washington Secretary of State data as reproduced by OpenGovWA (the official CCFS search returned no results when we tried) lists the LLC under UBI 602226604, formed August 12, 2002, with status "Active" and an expiration date of August 31, 2023 — a lapsed renewal, not a filed dissolution (OpenGovWA record). No press release from the company itself was found; the Maryland minutes are a regulator's record of the reason the company gave.
How do I remove RPM from my credit report?
Use each credit bureau's own dispute process (Equifax, Experian, TransUnion); under the Fair Credit Reporting Act you can dispute with the bureau directly, which matters if the collector no longer exists. Ask the original creditor (complainants here most often named Sprint, Verizon or AT&T) who holds the account now. Many debts RPM pursued date to 2006–2012, which as a general rule is past the roughly seven-year period a collection account stays on a report, so check the account's date carefully. The CFPB complaint database shows others have raised the same "debt is not yours" (393 complaints) or "debt was paid" (186 complaints) issues.
What was the Receivables Performance Management data breach settlement?
RPM discovered a ransomware attack on May 12, 2021 (unauthorized access reportedly began April 8, 2021) and in November 2022 began notifying 3,766,573 people that their data may have been accessed; its notice said the forensic findings were "not conclusive". The consolidated case, Hightower v. Receivables Performance Management, LLC (W.D. Wash., No. 2:22-cv-01683), settled for a $5,600,000 fund covering credit monitoring and reimbursement of documented losses, with a Final Approval Order and Judgment entered December 6, 2024 (docket). The settlement administrator was Kroll Settlement Administration LLC; the claims deadline, November 12, 2024, has passed (ClassAction.org), and the settlement website, rpmdatasettlement.com, no longer resolved on September 27, 2026. A settlement is not a court finding that the underlying allegations were true.
Who did RPM Collections collect debts for?
Per 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." Complaints filed on this site (2004–2012) most often named Sprint, Verizon, AT&T and MCI/WorldCom as the underlying creditors — the complainants' attributions, not a client list; the CFPB database records the issues but not the creditors.
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 payment site is parked for sale and its main site no longer loads, the BBB flags the company "Out-of-Business known or suspected," and its last CFPB complaint is from February 2023 (CFPB database). Do not share personal information or pay until you have verified the caller: ask for the company name, mailing address, phone number, license information, original creditor and amount, and ask for written validation of the debt; never pay by gift card or wire transfer, and report suspected impersonation to the FTC and CFPB. Complainants on this site have described calls from Virginia (703/571) and Maryland (240) area-code numbers; this page does not publish them because they are not confirmed as the company's.