topic Re: RJM Acquisitions, Liars! in Rebuilding Your Credit

RJM Acquisitions, Liars!

Anonymous — Thu, 23 Feb 2012 03:17:17 GMT

So I sent RJM a PFD offer of $75 on a $120 debt about two weeks ago. Today, I receive a green notice telling me they accept my settlement offer of $75 with instructions on how to pay. There was no mention anywhere of deleting from my credit, or even acknowledging that I had asked for that. It was just their form settlement letter.

So I picked up the phone and dialed the number listed. The woman comes on the phone and I explained to her that my settlement offer was only valid if the deletion was in writing. She comes back and tells me that the deletion was not in the notice because they are not reporting on my credit. So I'm thinking, "maybe they deleted already recently?" I told her that I had a subscription for unlimited access to my credit reports and would check. She put me on hold for about 5 minutes.

While waiting, I went to USAA and pulled my current report, which of course has RJM reporting to 2 of the CRAs. When she came back, I told her what I saw. After a moment, she says there will be a new letter with deletion language in the mail tomorrow. Clearly, they just tried to lie to me in order to get me to pay while continuing to report on my credit. Hopefully I will have the real letter soon, and knock off another baddie!

Re: RJM Acquisitions, Liars!

RobertEG — Thu, 23 Feb 2012 03:19:32 GMT

Why am I not shocked!!!!?????

Re: RJM Acquisitions, Liars!

Anonymous — Thu, 23 Feb 2012 12:59:42 GMT

I had something similar happen to me, they emailed me the PFD letter, but mailed a regular settlement offer - they did delete one of my other collection accounts and were very responsive for my next one.

Re: RJM Acquisitions, Liars!

Anonymous — Thu, 23 Feb 2012 13:29:20 GMT

Maybe I will call today and ask them to email it to me. I would love to just get it done and out of the way earlier.

Re: RJM Acquisitions, Liars!

Anonymous — Thu, 23 Feb 2012 15:42:52 GMT

So RJM quickly emailed me the letter agreeing to a PFD and settlement of $75 on $120 today! I called them and paid it on the phone with my credit card. I have good documentation that all they are to take is $75, so if they try to do anything dumb, I can easily have Capital One take care of any unauthorized charges.

Anyway, when I asked when it would be removed from my credit reports, they guy just said they report on a monthly basis. I didn't feel like grilling him for more info since I am just happy to get rid of it. Has anyone else had any experience with them and PFDs? How long did it take to go away from yours?

Thanks!

Re: RJM Acquisitions, Liars!

Anonymous — Fri, 24 Feb 2012 05:07:00 GMT

i just paid mines out yesterday...so I am in the waiting period also.

I sent them 2 letters for two different accts...they only responded to one acct...so i will just resend them the letter...

Re: RJM Acquisitions, Liars!

pipeguy — Fri, 24 Feb 2012 05:49:29 GMT

The Golden rule for dealing with and OC/CA/JDB settlement is get it in writing always. Do not ever believe anything a collection agent (et al) says on face value, get it in writing !

Good Job OP !

Re: RJM Acquisitions, Liars!

Anonymous — Fri, 24 Feb 2012 12:03:16 GMT

@Anonymous wrote:
i just paid mines out yesterday...so I am in the waiting period also.

I sent them 2 letters for two different accts...they only responded to one acct...so i will just resend them the letter...

Yeah, from what I read here from others, and based on my own experiences, they will absolutely agree to the PFD. It seems that it is standard procedure for RJM to do them when someone asks for it. I think I was in the minority when they tried to pull a fast one on me. Who knows, maybe the person I talked to just made an honest mistake instead of lying. Obviously I'll never know for sure. Either way, your second letter probably just got overlooked. I'm sure they'll approve your second PFD.

Re: RJM Acquisitions, Liars!

Cherriwyn — Fri, 24 Feb 2012 15:37:48 GMT

WOW I'm sorry to hear that. I didn't experience any problems with them. I sent a goodwill letter and they deleted both accounts within 14 days. It will work out.

Re: RJM Acquisitions, Liars!

Anonymous — Fri, 24 Feb 2012 23:41:12 GMT

@Anonymous wrote:
So RJM quickly emailed me the letter agreeing to a PFD and settlement of $75 on $120 today! I called them and paid it on the phone with my credit card. I have good documentation that all they are to take is $75, so if they try to do anything dumb, I can easily have Capital One take care of any unauthorized charges.

Anyway, when I asked when it would be removed from my credit reports, they guy just said they report on a monthly basis. I didn't feel like grilling him for more info since I am just happy to get rid of it. Has anyone else had any experience with them and PFDs? How long did it take to go away from yours?

Thanks!

I received a secure email message (and a letter in the mail) from them a couple of days after my payments cleared, that had the documentation showing that they were going to delete the TLs from the CRAs.

I don't know when it actually got deleted because they weren't reporting to my EQ, and that's currently the only one that's being monitored.

Re: RJM Acquisitions, Liars!

Anonymous — Fri, 24 Feb 2012 23:55:32 GMT

I actually got that same secure email this morning. I will be checking my credit reports daily and will report back when it is deleted.

Re: RJM Acquisitions, Liars!

Anonymous — Sat, 10 Mar 2012 02:56:05 GMT

MY RJM PFD TIMELINE: 1/4/12 mailed basic PFD letter. 1/19/12 received their basic PFD offer letter. 1//20/12 mailed money order for 50% of the balance. 2/4/12 RJM cashed the moneyorder. 3/9/12 tradeline deleted from Experian. ...waiting for TransUnion to drop off....

Re: RJM Acquisitions, Liars!

Anonymous — Sat, 10 Mar 2012 03:38:49 GMT

@Anonymous wrote:
MY RJM PFD TIMELINE: 1/4/12 mailed basic PFD letter. 1/19/12 received their basic PFD offer letter. 1//20/12 mailed money order for 50% of the balance. 2/4/12 RJM cashed the moneyorder. 3/9/12 tradeline deleted from Experian. ...waiting for TransUnion to drop off....

Awesome. I did forget to report back, but they are off both my EX and TU as of 3/7. RJM is the easiest CA to deal with for sure I think.

Re: RJM Acquisitions, Liars!

annielorie — Sat, 10 Mar 2012 05:19:31 GMT

Yes and no they are notorius for getting debt that is past the SOL for judgement or creporting however as slick as they try to be they know that if you dont pay they dont get paid Everyone remember that when you are trying to get a pfd it doesnt matter to you but if you cant work with me oh well they all come around just keep plugging.

Re: RJM Acquisitions, Liars!

annielorie — Sat, 10 Mar 2012 05:20:47 GMT

Oh and whipee happy gardening and Im watchin you no appin