RJM Acquisitions LLC - What do consumers say about them?

Hi Rhonda

I found that RJM is a collection agency. They also don't seem to have a good consumers' feedback.


RJM ACQUISITIONS contact details are given below:

Address:
PO BOX 12023
HAUPPAUGE, NY 11788

They use different numbers to call the consumers. Some of the RJM Acquisitions phone numbers have been listed below.

800-786-0825 or 516-714-1300 or 800-353-2497

Regards
Roxette

Thank you Roxette, I think I may have a tough time dealing with RJM Acquisitions LLC. Hopefully its not another Ellis Crosby!!!!

I am dealing with rjm acq llc on a Fingerhut bill also. They have been pretty decent. We worked it out with them that if we didn't take the "free present" that they gave you if you paid off the bill all in one lump sum, that they would settle for about $150 less than they were going to. We told them we would give them $25 a month. I have missed a couple months and they have not said anything, or even called. I just called in and paid by phone when I could. They have been really patient with us at this point.

I also am working with RJM Acquisitions and never had a problem. They actually offered to "help" me with improving my credit. I don't know if I am going to do it..I probably should. They will take 150.00 off my debt and I would have to pay another 192.00 on a Majestic Credit card. Once that is paid I would get issued the real card and my debt is paid in full.

Thanks for your posts! I am trying to buy a house and this is one of the items on my credit report that I need to clean up. I just wanted to see if they would be difficult to make arrangements with.

Rhonda, are you negotiating with RJM Acquisitions LLC to get this item removed from your credit file?

RJM Acquisitions LLC sent me a letter and offered a settlement and I notice that they were on my credit report.

Have rjm acq llc validated the debt as per the fdcpa laws? If it has been done, then it will be better to pay it off as early as possible so that you improve your credit file.

Yeah. That is the one thing I always do when collectors contact me. It isnt much, so I will pay it off within the next two weeks.

RJM has teamed up with Capital to deceive people with little or no credit. Capital One is offering pre approved credit cards for debt which RJM Acquisitions LLC has accquired. People who are in debt often use credit card offers to get through, but I think this is very close to trickery. Is this legal. thanks

terri,

Offering credit card to those with poor or no credit seems to be fishy. If the person is already in debt, what is the guarantee that he will repay credit card balance in future?

The practice is unfair, but the eligibility criteria of getting a credit card, I think, are defined by the company. So they can offer whatever they want, it is our responsibility to keep ourselves aside from bad things.

I received an offer from Capital One. They got my info from RJM. Trouble is the offer is to John Ragsdale, someone who used my social secuirty number to get credit and RJM Acquisitions passed on this fradulent account information. Shred those credit card offers!!

Quote:

Hi nolsen

Adding to Bryan statements, I also suggest you to change your ssn #. This number is the portal for new credit to be opened in your name by fraudulent activities. You can contact the fraud department of the FTC and get more information on how to change your ssn #

I have two accts, one not much the other sizeable. They gave me the "double" offer and have been paying monthly faithly since march. They took the higher one, sold it to another collection agency and the last check I sent, they forwarded it to that agency. They cashed it and I am not getting my "double" money credit offer like I was, even tho they claim to keep the same payments and arrangements as rjm. I will be calling thisnew company here in a few mins. I had no prior warning to this sale, I sent my payment like normal, now it is all fudged up! I want to clean this up, I have a few things showing on my credit and I want to take care of em.. why do collection companies like RJM Acquisitions LLC make it hard for those who try to do the right thing? I fell like I got a swift kick in the butt. BTW they didnt sell the other acct. GRR!!

RJM has opened up an old account. Item that was bought was returned. Have had absolutely no contact with supplier since then. Last contact date has been falsly updated. Getting to be servere phone harrasment from RJM. considering a lawyer. I have found statments that RJM can be and is crooked. Falsifying records to their own benefit.

I got a letter from rjm acquisitions saying that I owed money from an account that I never had. I have never bought anything from fingerhut. I never have applied for a card through them. I am very disgusted and enlisting the help of an attorney. There are a lot of people they are trying to get money from innocent victims. Watch out.

Finally got my double payments. For their stupidness, I am sending them 20 a montha nd that is all they will get until it is paid off. Iditots!

Sully, do make sure that RJM updates your accounts with the bureaus as well after the payments are complete. This is important in order to retain your credit worthiness.

I am making payments to them, they dont harass me either. They are probably one of the good collection agency's. and they also report to the credit bureau as now paying.

yup they are updating right. Now if I can get the darn student loan people on my dh's not to show it twice, it would be NICE!

RJM is a notorious "zombie debt" collector. A DV letter is all that is required. Beware of their practices of trying to "re-age" a debt. For good information on these junk debt collectors, see:
fair-debt-collection.com/junk-debt-buyers.html

Good luck!


Link made inactive as per forum rules-Vikas

I had a lot of problems with fingerhut, they refused to accept my money and I've had a hard time locating this company...thanks to this site and posts, I'm going to call them. They're on my credit report for fingerhut's account which is over 6 years old now!
Thanks to all for your info!

Rachelle,

Please check your state laws regarding SOL. If your debt is past SOL, no one can legally force you to pay this, however, in reality, the debt still belongs to you.

I also received a collection demand from RJM. I do NOT owe any one anything. My credit report is clean.
I turned this over to Pre Paid Legal's law firm to handle. My memebrship per month is ONLY $25. This is worth it to get the illegal collection agency off my back
dart
SAcramento CA

I was sent statements for the above account with Charter One. They were for March, April, May, 2004. Unfortunately, this did not answer the question of activity through the close of this account. I am sure payment was made at the bank due to charges in the amount of $33.00 every third day. These statements only go through the balance of -$459.11. It does not tell me how or when the account was closed, by whom, and the debits/credits through the close of this account. Please research and send me proof of the June/July.... however long until this account came to be with you. Thank you.


Account number deleted for your safety and email deleted as per forum rules-Vikas

Kimberly York,

Perhaps you have landed at the wrong place. This site deals with debt consolidation and credit related queries. Please forward your request to your creditor.

You can search the contact details of your creditors with BBB website.

I've been dealing w/ RJM for over a year. I asked for a letter stating that the acct had been pd in full and recieved none. Then i get a 1099C from them around tax time, in the mail which I have to claim as income. I called to find out what was going on. They said it was the difference between the Double credit offer they extended me. I told them i agreed to the double credit but not a settlement. If i only owed that amount then i could have easily paid them. They stated any further information about the acct. would require my attorney or accountant to call them. What type of BS is that

Quote:

To give further details....I paid RJM over a thousand dollars which they gave me a double credit for. Equaling 2plus thousand dollars. To make sure that this was not a settlement I called and verified the information. I recieved a 1099 C for 2005 in the mail basically stating that they(RJM) claimed an 834 dollar expense due to a cancelled debt. However, again there was no cancelled debt and definitely not a settlement. I have called RJM for the last 2 days and gotten no where. As a matter of fact, when i called yesterday they hung up on me. I am trully lost. My accountant says to retain all copies of correspondence, checks, and other pertaining items so that when it comes to the IRS it then becomes their problem because i did everything i could do. Is this true?

Sophia,

If there was no settlement at all, you need not file 1099C application. However, what was the exact difference between the actual debt and that you paid them?

If there was no cancelled debt, they cannot claim $834 also. You can dispute this with RJM. You can send letters to them to get more help. Search for their address with BBB.

If nothing is of any avail, consider contacting professional tax advisor.

I just got off the phone w/ a Ms.Ilene Keagan who has informed me that my account was a settlement. I informed her that I still have all correspondence which stated nothing of the sort. She said that the Fed. government made it a requirement in Oct 2005 that all debts over 600 that were forgiven must be claimed. So it wasn't their fault, it was a requirement of the govt. I asked her about the taped conversation which has me agreeing to the Double Credit and she stated that she is not privy to those. I told her that i never recieved any information about my account's ending balance at time of close, any information stating that my account had been settled, nothing and her response was to reiterate the no fault, govt. requirement thing and that i should speak w/ my financial consultant

Sophia,

The fact they stated about 1099 C is correct. The question is whether you case falls under this or not. If some portion of your debt was discharged, then only you become eligible for 10099 C. So you have to check it first.

You can indeed consult a financial advisor or tax advisor for this purpose. Keep us posted.

Well I spoke w/ my financial advisor and he informed me of the same thing. Basically that since some of my debt was discharged then I have to claim it via the 1099C. He also stated that RJM mislead me in their Double Credit Offer and that i would have a good legal case against them. However that would be for me to determine since it is only in the 800 dollar range.

You have done it right by consulting your Financial Advisor Sophia. The suggestions offered by your advisor are appreciable. You can follow it. Also ask your advisor what should be beneficial for you at this stage. Keep us posted as well :D

I'm in the middle of financing a new home. Now my mortgage broker is telling me the lender needs to raise my interest rate and closing costs because my credit score has plummetted from 750 to 650!!! Why? Because of RJM Acquisitions! They are collecting for One Spirit Book Club, whom I've never made a purchase. I've been living at the same address for almost 5 yrs now and have NEVER received a bill from One Spirit or RJM. But they have report collection to Equifax and Transunion this month with a collection date of 11/05!! How is this possible?! I've dispute this collection with Equifax and Transunion through their websites. Whoop-de-doo. They have a month to investigate while I'm struggling with the effects of what they have done to me right now!! How can these people do this?! Where are our rights as consumers?! I've had a clean credit history up to this point, and it took just one crook to screw it all up. I'm so dissapointed and if they don't take this collection off my credit, I'm going to talk to a lawyer. I may just do that anyway. I hope other victims have and are doing the same. We need to shut these people down. If anyone has comments or advice, please post. I would love to hear them.

I just received something from RJM Acquisitions in the mail as well and they are now showing on my credit report as a collection item. It is an account from over 5 yeras ago... how do I fight this and get them off my credit?

I am attempting to purchase a new home and just found out that RJM has reported a $128 collection item from a company I did business with over 5 yeras ago. I haven't called them yet, I just found this out today, so I have been searching online and only finding BAD news about them. Any feedback from someone disputing the charges and not just offering to pay with RJM is saying is owed?

Hi chasejk

Check the date you last made the payment on this account. Perhaps, it might be out of the SOL period. You must know the laws in your state before considering the SOL factor.

RJM acquisitions must have the details of your account. Ask them to send it in writing so that you can review it thoroughly. If they have reported inaccurately in your file, the item must be removed from your file. If the debt is within the SOL period, work out payment arrangements and get it marked as "paid collections"

Don't pay anything till you have review the account in writing. The name of the creditor should be evident for whom they are collecting along with calculation of the principal amount and the interest charges. Besides, check whether the debt is within the SOL before making any commitment. Send your letter certified with return receipt requested. You will have proof of your actions.

I just got a copy of my credit report and i found this company RJM Acquisitions has viewed my report for the past 7 months, each month for a total of 7. i do have a couple of bad credits on this report that are to be removed the first of the month. the lady for this company was rude when i was asking questions, refused to connect me to a manager. can a company keep passing an account back-n- forward or sell it to one of there other companies if the account was to be taked off the credit report thank you

Hi johnnyrocco,

That's normal with collection agencies. If they don't have the legitimate info about the accounts, they pass it back and forth. Make sure that you pay only to that company has given you the details in writing.

I recieved a letter from them stating that I had a book of the month club account back in 2002. I know that my wife and I have never had an account with book of the month or any other book company. Why would they be sending this to me all of a sudden?

Hi,

I do not speak english too well so I would like to communicate with RJM by e-mail. In the letter they sent me they did not give an e-mail address. Could someone please help me out?

Do you have the phone number of RJM Acquisitions? You can request for their email address

I called them up they said that they did not have an email address but we could communicate via FAX if I wanted. I am setting up an online FAX service right now.

I am paying off a debt that RJM purchased. It is fourteen years old--past the statute of limitations with regards bills. They were honest, told me I would not have my credit score effected by not paying, and couln'dt be sued. They were more than reasonable about a very cheap deal (they probably bought the thing at cost--I suppose around $200.00) They probably contatced me because I was workinbg with a debt consolidation group, and saw that I was paying everything off.

I got a notice from them stating they had acquired a debt from some other company. I KNOW I paid that debt with the other company. I called RJM and they were going to try and get the original file form the original company. I waited 2 months and heard nothing. Called this morning and they had closed out the account as a dispute. Thanks for letting me know! However, I pulled my credit report last week--which everyone should do yearly!--and they are on there. They were on there prior to my receiving the notice from them! So now I have to file an investigation with the credit agency. DRAMA!!!!! I have excellent credit and this type of crap pisses me off! I take care of my bills and yet shady companies such as these keep screwing up!

I am happy I found this thread about RJM. They sent a letter that said "WE are your new creditor". It is for a Corinthian College account that they "so called" purchased. I have been very busy and didn't have a chance to respond to their first letter, then, recently a pulled a copy of my credit report and sure enough(they are on it) $2741.00 I need help!! please give me some friendly advice,

Sky, has this company verified in writing that that they have purchased the debt from the previous company? If this debt is legitimate, you will like to pay if off and improve your credit.

I just got one & was looking for the company. They are trying to collect money from me for books ordered from a book club that I haven't belonged to in more than 30 years.