Victim of RJM Acquisitions' criminal activities

It is good that you have initiated an investigation. While the lender you are currently working with will undoubtedly charge you higher closing costs and interests rates, if the investigations comes back that the report was false, the CRA is required by law to notify anyone who received a credit report with the erroneous information, and they are required to review their decision, there for if the CRA cant validate the report, they will have to delete it and notify your lender. You lender is required then to review the account and offer you better terms if you qualify. If the CRA can't validate the information, then stay on top of your lender and ask for the reduced interest rate and maybe refund of the closing cost.

If they've screwed up your credit by misrepresenting information to a credit bureau, after you've told them that the information was false, that's an intentional violation of the Fair Credit Reporting Act. I'd file suit against them right now claiming as damages the present value of the additional interest over the thirty years (or whatever term it is) and the increase points. It may also be a violation of your state's consumer protection statutes, many of which provide for treble damages. The FRCPA provides for reimbursement of attorneys' fees, too. You can sue them where you live, because that's where they caused the damage, regardless of where they're located. I'd want to know exactly whom to sue before filing, though, because the use of a business name doesn't necessarily identify a real person (even a corporate "person"); in fact, if you can show that there's no such entity as whatever trade name they're using, you can send that information to the credit bureaus, too.

I am going through this same scenario with rjm acquisitions now. I just discovered a $5 collection was put on my credit report, without ever contacting me about it. I have never heard of the company who I supposedly owed and when I asked RJM of the contact info, he said, 'tough luck', pay me or it stays on your report.
He's ruining my credit for $5! Of course people might say, 'pay it and move on', but how many instances like this go on each day?

Same thing happened to me by COLLECT CORP! They stole my SSN and filled an R9 on my file wich was a lie. I couldnt get my school loans because of it. Couldnt afford to get a lawyer so I just had to deal with the identity theft untill they "felt" like dealing with it. Put a huge dent in my life just for 166$ that COLLECTCORP felt they needed to scam for spare change.

As for how many times this happens? Think about it, how many people will accually pay the jerks... every 5 bucks adds up! Think about the elderly people who are targeted who dont know any better or think since they have all of their info, that it must be real.

Its not fair and should be illegal for these theives to have access to our infomation.

But you gotta be honest, these guys have a pretty good buisness going on - legal extortion

B of A tells me I owe $46 and RJM sends me a bill for $100.71 AFTER I found this shit on my credit report. My mother's credit report was clean and we've never had a joint bank account but suddenly the SAME exact charge shows up on her credit score and is holding off my student loan. Unfortunately, I need the loan so I have to pay the $100 and in the process find out why there is a charge showing up on my mother's account.

See, you have to pay the jerks because theyre intentionally screwing with your life. They know that you cant get school loans, mortgages, phones and such, thats why they do it.

Erg, you just unfortunately gave into their scam and its sad that you were forced to do that so you life wouldnt be inturrupted, but thats thier game.

I also got a letter from them saying I owed a debt to Service Merchandise, to which I truly believe I paid off years ago. But have no proof anf it was almost to even go off my credit. It had gone to collection agency and I paid it but no proof. So now I am paying them to clear my credit. I worked hard to get my credit straight again over past years. What can you do had I seen this before I would have fought them and asked for paper trails on the account. Vicki Nixon

Vicki...might I suggest you start a new thread with this issue. This one is a couple years old. I would suggest you not just pay them until you send them a request for debt validation.

Service Merchandise went bankrupt in 1999. Most of the stores were closed 5-10 years before that. It would be impossible for a collection agency to validate any debt from that company. I would DV them and tell them you are going to sue them if it is on your credit report or if they bother you again.

Wachovia Bank Checking Account sold to RJM ACQ LLC Has shown up on my credit report. I am requesting that this account have be checked and verified .Please send me a copy of this account so that i can verify that this is my account. In return if this is my account i will pay the full amount> please send attention to: PERSONAL INFORMATION REMOVED

Paul...you will need to contact wachovia or RJM directly. This is a credit forum.

same thing just happened to me. Looked up my credit and there it was i owe them 48 dollars for some crazy book store from back in 2002. This has got to stop!! This is happening to many people. I would have never of known this was taking my score down if I would not have looked at my credit.

i got two charges from them totaling $166 from some book club i do not know. i am so upset, i need this thing taken off. i disputed it but they are saying it is correct but have yet to show me any paper work. i need to get this fixed.

Have you sent them a DV letter? Send them a DV CMRRR, track it on-line and when they sign for it, dispute it with all 3 CRA's. They must provide validation before verifying the tradeline. If they cannot validate, then they have to delete. If they verify before providing validation, they have violated the fdcpa.

I noticed a $30 charge on my credit report from RJM for Childrens BOMC. I had no idea what this was. I disputed w/ Experian, they investigated, but said it will remain on my report. So I googled RJM. Found this website with their phone #. So I just called. Turns out they were trying to charge me for a Children's book of the month club order from 2004 at an address that I hadn't lived at since 2000 in a different state. So either they made this up, or someone at my old address received mail addressed to me and signed up for it under my name and didn't bother to pay for it.
Anyway, RJM said they would close the acct and report the change to the credit bureaus. I will surely be checking to make sure this is removed.

if you have the same name as a person that owes money to a book club or fingerhut, and that account is purchashed by rjm, rjm will most likely appear on your credit report

Which goes to show that RJM does not do its due diligence before violating the FCRA. Big surprise, huh?

How or does anyone know a good Lawyer to go after these fools... I had a debt with BOA and paid it, have the receipt, and now I receive a letter from these yahoo's stating they are collecting a debt for Bank of America and give me not only options to pay them back with several different settlements. These yahoo's have screwed with my credit report as well. How do I sue them and whom do I contact? There's so much more to this issue, but I'm too angry at this point to type without using abusive language.

Any help would be most appreciated.

Thanks....

Send them a DV letter, then Check at NACA,net to see if there is an attorney in your area.

I checked my credit last week with all three agencies. I have no adverse accounts on Experian or Equifax, but on TransUnion I had on adverse account reporting from RJM. It said that is was a $119 collection account from Homestyle Book's Book Club. I have never heard of or done business w/ this company. I have filed a dispute w/ TransUnion. I will be contacting RJM but I am worried that they will refuse to remove this from my credit.

RJM purchased 'my' account on BMG Music Club which I found out was a CD site. The funny thing is, I have just gotten my first debit card within the past 3 months and no where in my browsing history puts me on that site. I think I remember another letter from them years ago too. They offer me 20% off if I pay it. Any advice for what I should do?

Is it possible someone opened the BMG account under your name? Very easy to do since they don't really check. My kids did the same thing to me a couple years ago.

If you rec a letter from RJM or any other collection agency for an acct that was charged off by the original creditor, you are not obligated to pay it, simply ask when the acct was charged off and find out what the statute is for your state and let them know they cannot charge you for it, also make sure you specifically tell them to remove it from your credit report and then verify that they have done it. Also book clubs and dvd clubs ask for the titles, some are very suspicious in nature, you may have ordered certain items, but it appears that the original creditor added bogus purchases. By all means look up the Fair/ Credit Act too many people just pay instead of knowing their rights. This is why companies like this continue.

Yes, I received a letter today from RJM about a fingerhut account. The account was 11 yrs old it is not mine but they had my name and correct address at the time. The amount was for $352.89 at the end of the letter it gave me 3 options to pay with payments. NEVER EXCEPT THIS KIND OF AGREEMENT. if you do then it brings to debt up to date and it can be placed on your credit report. Even if the debt is 20 years old.
so i called them up, told them that this was not my debt it was past the statue of limits to be place on my credit report. That when I received the letter i went right to my computer and found page after page about RJM and their scams. I was pretty nasty. I told them I would contact my DA, a lawyer, I would find every person they scammed and file a civil suit if I ever find anything from them on my credit report ever.
When I was done screaming, she said, Ok. Melissa we are going to terminate this debt. it is gone from our computers. I gave her a week to send me a letter to confirm and this was the end of our conversation.
Call them once they know that you are on to them they want nothing to do with you and they close the account. They are the biggest scam going and everyone who was scammed by them should get together and take them down.

Quote:

I just got a letter from these people saying I have an overdue bank balance with Wachovia Bank. Who I worked for in the past and do not have an overdrawn account. There asking me to settle this account and receive a free gift for doing so!!! These people are crazy! I might have some bad credit out there from an ex who got a hold of my credit cards, but I'm almost done paying them off. I know I don't owe any bank money. How do you and who do you report these people to??

The FTC, the AG's in your state and their state, the ACA if they are members are all good places to file complaints.

Im having a problem RJM and Childrens BOMC. RJM put a claim on my credit report that I owe $98. Ive never ordered from this company and don't have children. Does anyone know what can be done?

My mother is deceased and she got a letter from RJM saying she owed over 4 hundred dollars for being overdrawn on a checking account from a bank she had never had an account with. They had submitted a negative report to Trans-Union and Experian. I called them and they told me they would remove her address from their list. Is this place a big scam? I asked them how they knew the date she was born and the date she had died. They said they got it from the social security death index. I wonder how many executors of estates get these things and pay the bill because they don't know the difference. Something needs to be done about this place. They could collect a lot of money from the estates of dead people who never owed the money in the first place.

i received a letter from rjm acquisitions stating that i had an OLD DELINQUENT account at bank of america CHECKING ACCT FOR $3325.25. I have not ever had a checking acct. here or ever had any type of banking relationship with B of A what so ever. RJM is threatening to report to all three credit bureaus.

Quote from RJM
"When RJM reported this account, EXPERIAN told us that we must use December 13, 2006 (the date RJM purchased this account) as the opening date rather than the original opening date of June 5, 2003"
Deceptive indeed by 3 years!!!!

The date RJM opened the account has no bearing on the amount of time it can remain on your credit report. It is not deceptive. It would be accurately reporting for their tradeline. The 6/5/03 open date would be the OC not RJM. Regardless of what date RJM reports, it can only remain on your creit report for 7 years + 180 days from the date of first default with the original creditor.

I just got off the phone with them and cussed them out over an account from 12 years ago from BofA stating that I owed them 174$. I told them I will be contacting my attorney if I see as much as an inquiry on my CR. They told me they were sorry and it will be taken out of there systems. I wonder how many millions of dollars in revenue they see yearly from these fraudelent activities.

RJM is claiming I owe a debt of over 5k to a credit card and they are offering me incentives to settle for $1700.00. I have no history of this credit card number. I checked the past 5 years of my credit reports and a credit card with the number they claim is no where in my history. I am writing to RJM now and hope to clear my name AND bring them up on charges.

I'm sitting here reading all these complaints and people paying out money to creditors through RJM I'm really starting to wonder if I owe any bill now since they are telling me I owe a bank from along time ago. which I find funny because I have a current account with a bank and if I owed a bank you can't get another account with another bank that is why I'm wondering are they just telling me this or is this an actual account! If I ever find out that they are scamming me or that is not an account I will be suing the hell out of them too!

tonya I would NEVER EVER EVER give anyone my account number unless they have properly validated a debt. If you know you don't owe a bank, ask them to send something in witting so you can dispute it. If they say they don't have to chances are they are not legit. By law they HAVE to send you a dunning letter five days after first contact.

speak to a lawyer about going after them under your state's Consumer Protection Act of the recent federal law.Many lawyers do this wrok where they get paid by the otherside by law.Also cosider contacting your state Attorney General's Office and lodging a complaint

Received a nice letter from RJM Acquisitions for an overdrawn Wachovia account. The letter was dater May 19, 2009. I called RJM and was told that it was for an account closed in December 1999. I told the lady that I was not paying the $79.43. Had I not looked the company up on the internet, I would have sent them the payment.

I HAVE WASH DC SUPPORT AND RELATIVE APPOINTED BY OBAMA THAT I HAVE ABILITY TO TAKE ALL INFORMATION OF MANY OF THE CREDIT AGENCY SCAMS...PLEASE EMAIL ME AND DO NOT STOP AND GIVE ALL INFO ASAP AND I WILL REPLY ON EACH FILE WITH RJM. CONTACT ME DIRECT AT Email:assemblyreview@aol.com and I will help END THIS NIGHTMARE now and I have been violated too.

This is ridiculous! I just found out that I too have been scammed by this One Spirit Book Club. They charged a "past due" amount of $27.00 on my credit report. I never agreed to their club. I received several books from them inwhich I did not order, and never received anything at all until my credit report over 7 years later when attempting to buy a home. How about that!

Best one yet! RJM sent me a packet with a cover letter stating that "RJM has become aware of an inquiry you made concerning the above referenced account owned by RJM." In the packet were very official looking "replacement statements" from an account I had with Wachovia in 2005. The dates were changed on this "statement" to last year. I did owe what was stated, but paid Wachovia in 2005 for the debt. Here's the kicker: I have never sent any validation or verification letter to RJM!! What to do, what to do...???

This has happened to me I just read this sight and man I wish I would have read it before I paid them, I still have two more to go I don't know what that word above means but I am going to try this they got me because of the same thing about 4 years ago from a children's book of the month club and BmG music club and something else what really pisses me off is it dropped my credit score I have really working hard on my credit score to get a house when I disputed it as "they illegally obtained my social security number" RJM said they only used it by my address. They said they will delete it once it paid but if there is a way to dispute it without having to pay it than I am going to do like that cuz that less out my pocket.

You Shouldn't have to pay a bill if you know you paid it ,and after 7 -to 10 years if someone paid for accounts thats are already paid they still can't collect on it anyway to old .

LMAO, they own a collection from Wachovia on me, I wish they would try and get it, lol, its falling off in March, therefore they dont scare me, LOL

I know this thread is super old, yet can someone tell me what to do?
I am facing the same problem. Never heard of the company, yet according to them I have owned them money since 2006.

What do I do to fix this mess? ;__;

Well, I sent them a letter, certified, return receipt requested and I told them I do not believe that I owe this debt and therefore I dispute this account.

As per the FDCPA, I have the right to request validation of this debt.

Please attach copies of the following documents:

1. Agreement with your client that authorizes you to collect on this alleged debt.
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

**And to ice the cake since they had on the back of the statement that they had purchased the debt from the OC 5 years ago, I also put in this:

I'd also like to inform you that I have checked with my State Attorney General and verified that the Statute of Limitations for this type of debt through the courts in (my state) has expired. If you intend to take this issue to court, I shall inform the court of my dispute of this debt and that the debt is beyond the Statute of Limitations.

I never heard back from them . . . :rolleyes:

I had a similar experience with them regarding a Wachovia account that was overdrawn do to unscheduled electronic withdrawals! Wachovia refused to do anything about it and eventually RJM got it! I sent a similar letter and they went away! They are dumpster divers that take the easy road to profit!

Quote:

Don't call! Just go ahead and write your letter (send it certified, return receipt requested) and say something like:

Dear Collection Manager,

Per the FDCPA I am requesting a validation of this debt. Please attach copies of the following documents:

(Then put in the rest of my previous post with the 3 document requests)

I do not believe I owe this debt and therefore I dispute this account.

**And if you believe it might be an old debt, but beyond the SOL, put that part in too!

Ok. So a letter.
This may be another dumb question, yet what do you mean send it certified?

Aside from that,I shall send it today. Thank you so much.
I have no previous debt, so once i get on these people, that charge should vanish correct? This is so frustrating..

@_@