If you received a call from 805-637-7456, the caller was from Receivables Performance Management LLC. They called you because they believe you owe money to one of their clients, and their business model relies on you paying them before you have time to ask questions.
Receivables Performance Management (RPM) is a third-party debt collector. They entered into contracts with big corporations to collect outstanding balances. You’ve probably never heard of them, and that’s intentional. The less you know about who they are, the easier it is for them to make money off of you.
Here’s what RPM doesn’t want you to know: you have more power in this situation than they do.
Who is Receivables Performance Management LLC?
Business Type: Third-party debt collection agency
Address: 20818 44th Ave W, Ste 140 Lynnwood, WA 98036
Founder: Howard L. George
Founded: August 1, 2002
Primary Markets: Telecommunications, utilities, satellite TV, auto finance, healthcare
Known Clients: Verizon Wireless, Dish Network, DirecTV, Sprint, Xchange Leasing
Size: Private company; 115 employees; estimated $21–47 million revenue
BBB Rating: Listed as “Out-of-Business known or suspected.” Not Rated. Not Accredited
CFPB Complaints: 1,531 complaints filed between 2013 and 2019
Current Status: RPM is no longer actively engaged in debt collection as of late 2023
You’re Not the Only One
If you feel like those phone calls are harassing, you’re not alone. RPM has one of the worst complaint records in the debt collection business, coming in at 24th out of 2,458 companies in terms of the total number of complaints filed with the CFPB.
But court documents paint an even uglier picture. In the 2024 federal court case Frank v. RPM (New Jersey), the court ruled that RPM made at least 212 phone calls to a single consumer about a debt that didn’t belong to him. In the case Levy v. RPM, debt collectors called a consumer an ethnic slur while robocalling him up to 31 times a week.
The calls you’re getting right now are following the same script. Thousands of consumers have already reported the same experiences you’re going through. Understanding that script is the first step to ending the calls.
Why is Receivables Performance Management calling me?
Why RPM is calling you
RPM is calling you because one of their clients sent them your account for collection. We know that their clients include Verizon Wireless, Dish Network, DirecTV, Sprint, and Xchange Leasing. If you’ve ever disputed a bill, had an early termination fee, or failed to return equipment to any of those companies, that’s probably why you’re on the phone with RPM.
But here’s the thing: just because you’re getting a collection call, it doesn’t mean you owe the debt. In one year alone, RPM handled more than $1.9 billion in debt. At that volume, mistakes aren’t rare. They’re mathematically inevitable.
What if I don’t owe the debt?
A surprising number of the CFPB complaints filed against RPM involve consumers who were being pursued for debts they never owed.
One PissedConsumer reviewer reported that, “RPM is trying to collect a Verizon account that never belonged to me…When I told him I NEVER had a Verizon account, and that Verizon records would show that…the RPM representative said he could just clear things up if I sent him $89.20.”
That’s not debt collection. That’s extortion. And it shows you exactly what RPM is counting on: that you’ll pay a little bit of money to make the problem go away rather than taking the time to verify whether you owe it in the first place.
What they’re counting on
They’re counting on you to panic and pay
Debt collectors like RPM work off of a simple psychological equation. They call repeatedly, create a sense of urgency, and then wait for you to react emotionally rather than strategically.
In July 2023, one BBB reviewer wrote, “Has been calling me NONSTOP. But every time I answer it they immediately hang up. I call back and get nothing. These calls need to stop! Either tell me what you want or stop calling me.” That’s a classic example of the kind of phone harassment designed to keep you off balance and anxious enough to engage on their terms.
And it’s not just consumers who describe that kind of behavior. A former debt collector wrote on Glassdoor that, “I saw old ladies being torn apart and left to cry by management right in the middle of the floor.” When the people on the other end of the phone describe their own workplace like that, it’s safe to say those phone calls are intended to make you feel the same way.
They’re counting on you not to know your rights
The second thing RPM is counting on is that you don’t understand federal consumer protection law. The Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the Telephone Consumer Protection Act all exist to protect you from the exact kind of behavior RPM has been accused of. But those laws only work if you know they exist.
RPM’s business model falls apart when consumers stop reacting and start responding with the appropriate process. And that process doesn’t start with a phone call. It starts with your credit report.
How to beat them without picking up the phone
File a dispute with the credit bureaus, not the debt collector
The single most powerful thing you can do is something RPM will never suggest: file a dispute directly with the credit bureaus. Under the FCRA, Equifax, Experian, and TransUnion are all required to investigate any item you dispute. And if the collector can’t verify the account with proper documentation, the credit bureau has to delete it.
That’s important, because credit bureaus will delete unverified accounts. The burden of proof isn’t on you to disprove the debt; it’s on RPM to prove that it’s yours.
Given that RPM handled billions of dollars in debt and suffered a data breach in 2021 that exposed 3.7 million consumers’ personal information (resulting in a $5.6 million settlement), we’re willing to bet the integrity of their records is a little shaky at best.
Filing a dispute with the credit bureaus forces RPM to prove that the debt is yours. Calling them directly just gives them another opportunity to pressure you into paying.
The 30-day investigation clock is ticking
Once you file a dispute, the credit bureau has 30 days to investigate. During that time, RPM has to dig up the original documentation for your account, verify the amount, and confirm that the debt belongs to you. For a company that ceased operations in late 2023 and whose website now displays nothing but a banner reading, “This site can’t be reached,” meeting that deadline is going to be a challenge.
Dozens of BBB reviewers have already reported exactly that problem. In February 2024, one consumer wrote, “This is BS that you can’t reach anyone. Can’t do anything. The website is generic, there is no contact information, the address isn’t even valid.” The fact that they can’t respond is not your problem. It’s their problem.
When a debt collector can’t verify a disputed account within the allotted time, the item gets removed from your credit report. That’s how the system is supposed to work.
Why you should not settle
The hidden danger of settling your debt
Your first impulse might be to negotiate a reduced settlement and be done with it. But don’t. Settlements are unpredictable, and they could go either way depending on the way the account is reported and the way your other credit factors interact with the change. In some cases, a settlement could actually depress your score further rather than helping it.
And in the worst-case scenario, settling an account you don’t actually owe means you just paid a debt that was going to be deleted anyway once you filed a proper dispute. A paid collection still shows up on your credit report, and the notation “settled for less than full amount” is a danger sign to future lenders. You may have just paid for a debt that you didn’t owe at all.
One deletion can change everything
When one collection account gets deleted through the dispute process, it often opens the door to reviewing all of your credit accounts more carefully. If one collection has paperwork problems, who’s to say the others don’t? One successful deletion is often the encouragement you need to do a line-by-line review of your entire credit report.
This isn’t just about one phone number or one account. This is about financial independence. It’s about understanding what’s on your credit report and feeling confident enough to challenge anything that shouldn’t be there.
Reclaim your financial identity
The calls from 805-637-7456 are designed to make you feel powerless. RPM’s entire business model was built on the assumption that consumers would pay without verifying and endure harassment without pushing back. More than 1,531 CFPB complaints and dozens of federal lawsuits prove that they were right.
But they don’t have to be right when it comes to you. The phone is their battlefield. Your credit report is yours. Every unverified account you successfully dispute is one less weapon a debt collector can use against you.
FightCollections.com can help
At FightCollections.com, we specialize in identifying inaccurate, unverifiable, and illegally reported collection accounts and disputing them on your behalf through the credit bureaus. We don’t negotiate with debt collectors. We challenge the records they need to collect.
If Receivables Performance Management is on your credit report, let us help you. Our team will review your account and pursue deletion through the proper dispute channels.
You didn’t ask for those phone calls. You don’t have to live with them. Take the first step right now, and let us handle the paperwork so you don’t have to.
