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RJM Acquisitions LLC - What do consumers say about them?

Submitted by Rhonda28 on Thu, 09/01/2005 - 21:59
Posts: 411

Has anyone ever had any experiences with RJM Acquisitions LLC NY? I received a letter in the mail from this company about three weeks ago about a fingerhut account that I had 5 years ago (or more).

This is a collection agency, they don't leave messages or talk, they count on you calling back. they ask if you received a item in the mail or a phone call, they have phone technology to tell your number even if you use call block, they then look up your information by the phone number they called or by the snail mail info you give them. This is how this outfit works, They keep calling my house and asking for an old neighbor of mine, I will file a complaint with the Attorney Generals office to stop the harassment.

Submitted by on Sun, 09/20/2009 - 10:55

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I have dealt with RJM before, they have always worked with me and have even offered more than the $150.00 that others have posted. This is the second bill they have contacted me about and they are knocking off $240.00. I have though about seeing if they could handle the other 3 that I have on my credit report. This offer they sent me also has an option of obtaining a credit card but with a place I have never heard of called Genesis Bankcard Services. I saw that and I laughed.

If anyone is having problems with this company, or one of their representatives I'd contact someone higher up uf possible or contact your state DA. You can even contqact the New York DA as well.

Submitted by on Tue, 09/22/2009 - 12:16

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After reading all of the post on here the funny thing is that I got a letter from RJM and they have four opportunity's for me to pay a bill that they claim that I owe insightout book club and the funny thing is that i have not pick up a book since 2000 so why are they bothering me with a bill that they claim that i owe.
what should i do anout this bill they wanting me to pay off does anyone have any answers for me.

Submitted by on Fri, 09/25/2009 - 15:21

( Posts: 202330 | Credits: )


Originally Posted by Anonymous
according to the book club my account was written off from 2005, how long can rjm harass me

Depending on your state of residence, it can be up to 7 years. They can ACTIVELY attempt to collect the debt for that time.

They can only report it for 7 years from the ORIGINAL MISSED PAYMENT date, or last time YOU agreed to any payment arrangements, or made a payment.


If they are in the wrong (and aren't they all) find where to report them in your state government.


Sommat like this;

Dear Sir(s)

In reference to the recent letter you wrote me on XX MONTH XXXX, concerning account number XXXXXXXXXXXXXX.


Nebraska Statutes of Limitation :

Real estate or foreclosure mortgage actions; product liability; 10 years.

Foreign judgments, contract or promise in writing, express or implied: 5 Years.

Unwritten contract, express or implied; Recovery of personal property; Relief on grounds of fraud; breach of contract for sale of goods; and open account: 4 years.

Liability created by federal statute with no other limitation: 3 years. Malpractice: 2 Years.

NOTE: SoL can be interrupted by partial payment or written acknowledgement of debt. The statute starts to run anew from the date of the partial payment or written acknowledgement, (Neb. Rev. Stat. ??25-216)

NOTE: Actions on breach of contract for sale may be reduced to not less than one year.


I have notified my state regulatory agency that I believe that you are in violation of said statute, and have asked them to investigate and prosecute as necessary.

If you continue to attempt to collect this debt, I will forward this to an attorney for lawsuit.


John F. Doe

Submitted by on Sat, 09/26/2009 - 16:26

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I received a letter today from RJM saying my last payment to a bank was in March 2006. They are giving me the option to pay in full with a 50% discount. I am willing to pay the full amount but how do I ensure that I stay away from the "double credit" or these type of settlements that require a 1099C form, I am confused!!

Submitted by on Mon, 09/28/2009 - 19:38

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for one RJM is a bottomfeeder.send them a DV (debt validation letter) first.send it certified mail return receipt.on the chance they can validate.then the 1099c comes into play when the amount forgiven in settlement exceeds 600.00.i would make them prove a couple of things.

1)you owe the debt
2)they have legal right to collect

again this is a bottomfeeder.make them validate the debt,then get an address to send the money.

Submitted by paulmergel on Tue, 09/29/2009 - 05:05


( Posts: 15514 | Credits: )


Originally Posted by Unregistered
After reading all of the post on here the funny thing is that I got a letter from RJM and they have four opportunity's for me to pay a bill that they claim that I owe insightout book club and the funny thing is that i have not pick up a book since 2000 so why are they bothering me with a bill that they claim that i owe.
what should i do anout this bill they wanting me to pay off does anyone have any answers for me.

That is over the limit of 7 years being on your credit. I would dispute to the credit bureau that its listing in

Submitted by on Wed, 09/30/2009 - 13:55

( Posts: 202330 | Credits: )

Just got a letter from these jokers. They want my ss#. This debt isn't even mine. The accnt # from B of A was never mine. They won't take my phone call without my ss#. SCAMERS!!!!! I've had my ID stolen a couple of times and these guys are trying to do the samething!! Don't fall for it people!! ID theft sucks!!

Submitted by on Thu, 10/01/2009 - 16:28

( Posts: 202330 | Credits: )

I have a letter from RJM claiming I owe a debt to Compass Bank for overdrafts. I have never had an account with Compass Bank or any of the banks they have purchased. I'm trying very hard to improve my credit, can this scam actually negatively impact my credit?

Submitted by on Tue, 10/06/2009 - 03:03

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My husband and I have a debt from a bank account we were both on but we both get letters from RJM stating we each owe $1000 but the amount is $1000 total not $2000. I noticed as well that we both have the $1000 debt on both of our credit but what I don't get is if I pay it off will it remain on my husbands credit, or vise versa? How can they be billing both of us for the same amount? I dont know what to do?

Submitted by on Thu, 10/08/2009 - 10:58

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Scott D Matte (Wife name is Cynthia F Matte)
info deleted

Samir Shah (Wife name is TIFFANY SHAH)
RJM Acquisitions LLC
info deleted

info deleted

we do not condone giving personal info.yours or somebody else's.paulmergel

Submitted by on Fri, 10/09/2009 - 20:52

( Posts: 202330 | Credits: )

These cock$ucker$ say I owe a bank with an account # that I have never had!! lmao

They make stuff up and EXTORT U.

Submitted by on Mon, 10/12/2009 - 05:43

( Posts: 202330 | Credits: )

Thats very nice..i'm vwery happy you had a great experience... BUT they still extort the rest of us.


Originally Posted by Anonymous
I've paid off several old accounts with RJM recently, and they were awesome! I was able to pay off over 1k in bills, for just over $300 ... not bad!

Submitted by on Mon, 10/12/2009 - 05:45

( Posts: 202330 | Credits: )

Rjm has sent me many letters regarding a wells Fargo account that I had 10 Yeats ago and say that I owe for overdraft fees that were never paid. I called them on it and they say that the debt was sold to them and I owe it. I schooled them in the Oregon statute of 6 years along with the ordinance number for Oregon and told them that if they do not remov it from my credit report that I will file a complaint with th FTC and the Oregon attorney general and they granted my request. It was hard because they made a lot if it very difficult to deal with but after 6 months or more of arguing it they knew they were inthe went and I am not a sucker and I was not going to budge. Before paying these guys or calling them make sure you check your state lawsTamiflu on the statute and have questions wrot down for them. Ask them if they have any proof of them debt and send you proof of it and to not contact you until they can furnish this. They sent me to wells Fargo and I could not get anulything from them cause it did no exist in their system so if they cannot furnish proof or signatures or anything you request it is either a bogus or a zombie debt.

Submitted by on Wed, 10/14/2009 - 08:10

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I just recieved a letter from RJM...I have never ever used fingerhut!!!! I called them and they asked for my social. I gave it to them and now I am worried that they will use it somehow to hurt me! There is no proof of this company, no email address, no website address! I got on line and saw these postings. I am so afraid of what they can do with my social, has anyone incurred bills since dealing with RJM?
I called fingerhut and they do not know who I am!

Submitted by on Fri, 10/16/2009 - 08:11

( Posts: 202330 | Credits: )

I just got a letter from RJM Acqusitions LLC stating that they bought my debt from the original collector. The issue I have with it is thats its addressed to an apt that I have not lived at since 2005. What's wrong with that picture? I'm glad i'm friends with the girl that lives there now otherwise I wouldn't have known about it. The other issue I have is that I paid off the original debt and their trying to say that I owe them that same amount again. I have all the receipts and everything but they said it doesn't matter, that i owe them the money and thats that. What do I do?

Submitted by on Thu, 10/22/2009 - 03:04

( Posts: 202330 | Credits: )

send them copies of the receipts.include a DV letter as well.basically stating that this is paid,and for them to prove otherwise.this place is a JDB bottomfeeder.just curious who's the collector?it could be that you paid another JDB before,and they sold it to RJM.either way you say you have receipts,but did get a letter stating the debt was paid?if not the receipts should be good enough.

Submitted by paulmergel on Thu, 10/22/2009 - 06:06


( Posts: 15514 | Credits: )

I keep receiving letters from RJM stating that I owe $448.06 on a bank account that I closed in either 2004 or 2005. I have repeatedly asked them for solid proof that I owe this money(bank statements) and all I got today was my original application. That is not solid proof to me. Anybody have any advice? Thank you.

Submitted by on Mon, 10/26/2009 - 13:09

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I got a letter from RJM today saying that I owe $900 on a BoA account that was closed a year ago. The funny thing is there's no name on the letter, just my address and I just moved here 6 weeks ago. I'm calling BoA tomorrow.

Submitted by on Wed, 10/28/2009 - 19:00

( Posts: 202330 | Credits: )

Keep good records and file against them for any violations!! I just won a judgement against them for violating the FCRA. This company will continue to operate without regard to the law until enough people stand up for themselves!

Best of luck to all!!

Submitted by on Tue, 11/03/2009 - 21:08

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I just found a claim by them on my credit report that was for a debt incurred by my mother that she never paid because she went into a nursing home, because her mail was forwarded to me they saw fit to slap in on MY credit report, but failed to let me in on the joke. NICE!!!

Submitted by on Sat, 11/28/2009 - 13:06

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I offered to pay 50% of an old fraudulent debt that I supposedly owed to Bank of America, but only if they would remove the f**king thing off of my credit report once and for all. They weren't for it, and are allowing me to do the amount in two payments. I would rather bite the bullet and pay the small debt then to continue to have my credit score suffer. For all you others who don't think you owe the debt, you should follow up on your state laws and stand up against the tyrant's. Best of luck to you.

Submitted by on Thu, 12/03/2009 - 11:29

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why you ask?

Because a while ago I entered into a pay-for-deletion with them on an old B of A account. But look at my CR, lo & behold they are still reporting it!

Now I'm going to get them. And this sort of thing makes me happy!

Submitted by Collect This on Thu, 12/03/2009 - 15:24

Collect This

( Posts: 55 | Credits: )

Your company withdrew from my account and I would like a credit immediately. I do not want your services and did not authorize payment withdrawal. Please credit my account immediately or I will seek legal actions. Thank you.

Submitted by on Tue, 01/05/2010 - 16:37

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Somehow RJM Acquisitions LLC got my address and sent mail for one of my friends to my house. Where the hell are they getting addresses for people who have never used my address. The only time my address may have been associated with her name was when I booked a flight for her, so is Delta giving RJM this information?

Submitted by on Wed, 01/13/2010 - 10:06

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I sent a check on the 7th and it still hasn't posted to my account. should I be worried to cancell that check and send a new one it was due the 14th

Submitted by on Sun, 01/17/2010 - 09:21

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Please send me information on how to clear my account with the bank wachovia, citizen bank . I think i paid off citizen but not sure i know i owe wachovia this is my information benita vasquez 2082 e. Lippincott st phila pa 19134 email [email][/email]

Submitted by on Sat, 01/23/2010 - 10:50

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I was annoyed by this outfit for years. They said they were collecting for Dish network which I was never a subscriber to. They reported my name to the credit agencies so I told them I would pay part of it if they would restore my credit. They took the money, but still sullies my credit. In my opinion both Dish and RJM should be put out of business.

Submitted by on Fri, 01/29/2010 - 15:59

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Is it common practise for RJM to purchase accounts without checking the validity first?!

Submitted by on Wed, 02/03/2010 - 11:23

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Hello. My brother is currently in jail mand he will be for the next 3 years, we receive collection notices from RJM

Submitted by on Thu, 02/04/2010 - 10:53

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Im trying resolve my debt with RJM, and i really do appreciate that you have the programs that your company offer. But i want to know if you have any online access or account access to view your progress with payments? Where i can view dates, summaries of payments, and how much is owed? This would help me so much!

Submitted by on Mon, 02/08/2010 - 01:57

( Posts: 202330 | Credits: )

who is nelly? and how come all i see is people asking questions, and no replies to answer any of them? RJM..are ya living up to your words? This makes me feel like your not that much of responsible debt collectors after all...ya just want the money and out or what?

Submitted by on Mon, 02/08/2010 - 02:01

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They are a BS company that purchases fake dept. I sent them threatening letters from fake Lawyers (They use fake debt, so i used fake lawyers) and guess what. They backed down and dropped my dept. They wont go through with trying to fight lawyers, and they know they would lose because they have no valid claims. Those who pay them are fools.

Submitted by on Mon, 02/08/2010 - 07:59

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I got an offer to ethere pay in full for my bill or to make payments I don't know if I should pay in full or if I sould make it in payments cause I hear a lot about how they still go after you for the rest of the money

Submitted by on Wed, 02/10/2010 - 18:52

( Posts: 202330 | Credits: )

Hi my car was taken form me but what is funny is that I can prove that I made all my payments. I never got a letter or phone call that my car was about to be repoed I just woke up one morning and it was gone. I thought someone stole it. I call my bank and they said they could see where my payment was made but they just said oh well to late now. What can I do?

Submitted by on Fri, 02/12/2010 - 11:52

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Should I pay this company, are they to be trusted, if not how do I get them off my credit report, I would like to settle the dispute against me promply and I have the money to do so but are they completely legit and if so how should I go about paying them as to keep everything well documented so that they can not say that I did not pay them?

Submitted by on Tue, 02/16/2010 - 22:32

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Originally Posted by Anonymous
Should I pay this company, are they to be trusted, if not how do I get them off my credit report, I would like to settle the dispute against me promply and I have the money to do so but are they completely legit and if so how should I go about paying them as to keep everything well documented so that they can not say that I did not pay them?

First, have you ever received a letter of collection in the mail? If you have, did you request validation via the mail, certified return receipt requested. You want to make sure they are legally able to collect this debt before you do anything. Never admit to owing a debt on the telephone, and please don't negotiate on the phone either, all communication should be in writing.

Submitted by Shazzers on Wed, 02/17/2010 - 08:59


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