What to do if you are harassed by RJM Acquisitions

Try this number 847-403-4900

I came across the same problem.

rj

The RJM aquisitions are charging me for some book club that I have never heard if the say I owe them 82.00 but I have never heard of the book club I think they are just trying to make money. It makes me mad that they are trying to scam people.

Welcome to the forum pheljamie.
I would suggest sending them a debt validation letter (you can find a good template via my signature, also be sure to print and send a copy of the enclosure) send it certified mail, return receipt requested. If it is yours then they may be able to provide you with some documentation. If you need any further assistance please feel free to ask.

Guest (15 year old got books):

Send them a DV, they would have to send you all relevant documentation on this account. I am not fully sure, but unless your mom or day signed the club offer, you can't be held responsible since you were a minor and did not have parental permission to get those books. I am not 100% certain of that, but I had the same situation in which my 16 year old ordered something. I sent the stuff back and got slapped with a 'early cancelation fee' Heh I called and asked them who signed the contract? When they told me, I informed them that they have a contract with a 16 year old girl and not either of her parents. It went away after that.

Your right GoldenBast, minors cannot enter legally binding agreements. That itself would null it.

I had collection from these guys theree times from a book club I never joined. I just paid the first two times. The third time I contacted the littery guild (the book club ), and told them we were not paying for this again. They appologised and said it would be taken care of. Now in 03/08 I find it popping up on my credti report stating the orig. account was in 2005.

From what year did this debt originate?

Hi. I am new to this board. I received a letter from RJM today stating that I owe $65 for books I never bought through Doubleday Book Club. I never knew I had this account.

I already have a curent account with Doubleday book club and make all payments on time. Doubleday claimed they have sent me notices but I ahve never recieved them and have been at this address for three years now. I have managed to recieved all their other mailings.

What is the statute of limitations on books? I live in Michigan. Please let me know. Thank you.

The phone mumber for RJM is 516-714-1300

The SOL for MI would be 4 years.

My name is BUM JUN AN.
Why did you terrible history on Experian credit report.I didn't
open this account.What kind of account is it.Why you didn't contact with me.When does it open,where does it open.You haveto remove this record on my credit file.Because I didn't open this account.Which credit berau did you sent it?

Personal info removed.Cajunbulldog

Bum...this is not RJM, this is a credit repair forum

i have been monitering my report for about a year. reciently i have discovered how to dispute items that are wrong. i was looking at my inquiries statis when i noticed that rjm has did an inquirie at least 6 times in the last 18 months. i can't figure out how to have them removed and im not sure if i can. more importantly how can i keep it from happening again? please help me find out what i need.

I just pulled my annual free credit reports and noticed that RJM inquires on my credit every 3 months or so. I paid the extra amount to receive my respective scores and a common theme affecting my scores are the amount of inquiries. Taking into consideration the fact that I hardly ever inquire about credit (the last credit card I applied for was a year ago), it appears to me that RJM is negatively impacting my score by constantly inquiring. The balance they are attempting to collect on is over 10 years old and the balance itself does not appear on my credit report but I would like advce on how to make them stop inquirring.

I received a letter from RJM a few months ago regarding a closed bank account from over 3 years ago. I closed the account due to a SNAFU within the bank (FYI - Wells Fargo) overdrafted my account and stuck me with a ton of fees. Since then I have not been able to open a checking account.
When I received the initial letter, I was skeptical so I did some research on them and saw what a negative report they had. I wrote them a letter asking for a validation of ownership of the debt.
Well just last week I got a letter back saying they were the legal owners. I dropped a money order in the mail today and it should reach them by the beginning of next week.
Now my question is this -- Is there any documentation that I should request from them to verify that my old account has been taken care of and will let me get a new account opened? Any input on the next steps of this process would be helpful.

My husband found a tag line from RJM on his credit report a week ago. He immediately disputed with Transunion, and a mere three hours later received notice from Transunion that the entry by RJM had been removed from his report. We found a letter in the mailbox two days later, from RJM, stating that it was for an account opened by by husband in 1993 (five years before we were married!). They claim that two years ago someone ordered books on the account, that they had shipped and we had received them. The trouble with their tale is that my husband went through Chapter 7 bankruptcy, which was discharged in January 2002, and this book club account was included. Now, from his credit report, he noticed that RJM pulled his report back in October of last year. The bankruptcy is the first item listed on the report. I know it's a long shot, but
could we get these vermin for trying to re-up an account that had been discharged in bk?