Receivables Performance Management, LLC (often branded as RPM Collections) is a third‑party debt collection and accounts receivable management agency based in Washington State. It collects overdue consumer and commercial accounts on behalf of creditors in industries such as telecom, utilities, financial services, and healthcare.
Receivables Performance Management, LLC is a U.S.-based accounts receivable management and debt collection agency that operates nationally on behalf of other companies. RPM services delinquent accounts for credit card issuers, retail card providers, auto finance companies, telecommunications and media providers, utilities, and insurance and health-related organizations. Their work typically begins after an account has gone past due with the original creditor, who then places or sells the debt to RPM for collection.([cardozalawcorp.com](https://www.cardozalawcorp.com/library/receivables-performance-management-llc.cfm?utm_source=openai))
A charge or reference to “RPM DBA SMArt me cons col” or similar on a bank or card statement is likely tied to Receivables Performance Management acting as a collection agency on an underlying debt, with the trailing text indicating the original creditor or type of account (for example, a telecom/utility or other consumer account) and that the item is in collections. In many cases, RPM does not originate the debt—it is either collecting on behalf of another company or on debt it has acquired. Consumers may see RPM referenced in mailed collection notices, credit reports, or payment transactions where RPM has processed a card or ACH payment on a collection account.([coag.gov](https://coag.gov/app/uploads/2020/10/CARReport.pdf?utm_source=openai))
If you are unsure about an RPM-related charge, start by reviewing any recent collection letters, emails, or voicemails referencing Receivables Performance Management or “RPM Collections,” and compare the account number and balance to your own records. You can contact RPM directly using the phone number or mailing address listed in their correspondence or on their official website to request written validation of the debt before paying. Also check your credit reports to confirm how the account is being reported and dispute any inaccuracies with both RPM and the credit bureaus. If you suspect identity theft or believe the collection is in error, it can be helpful to file disputes in writing, keep copies of all communications, and, if necessary, consult a consumer law attorney or your state attorney general’s office regarding your rights under the Fair Debt Collection Practices Act (FDCPA).([badcollector.com](https://www.badcollector.com/receivables-performance-management.html?utm_source=openai))
Bank Statement Variations
2 known variations
These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Receivables Performance Management, LLC.
Why is Receivables Performance Management (RPM) charging my card or showing up on my bank statement?
Receivables Performance Management is a third‑party debt collector. If you see an RPM-related descriptor—such as “RPM DBA … cons col” or “RPM Collections”—it usually means RPM is collecting a past‑due account on behalf of another company (for example, a telecom, utility, credit card issuer, or lender) and has processed a payment or attempted charge for that collection balance. Review any recent collection letters from RPM and compare the amount to your records and to what appears on your statement.
What kinds of debts does Receivables Performance Management typically collect?
RPM primarily collects consumer debts such as credit card and retail card balances, auto finance deficiencies, telecommunications and satellite TV bills, utilities, and some healthcare or insurance-related balances. If RPM has contacted you, the underlying account almost always originated with another creditor that placed or sold your delinquent account to RPM for collection.([cardozalawcorp.com](https://www.cardozalawcorp.com/library/receivables-performance-management-llc.cfm?utm_source=openai))
How can I verify that a debt from Receivables Performance Management is legitimate before I pay?
Under federal law, you can request written validation of the debt. Ask RPM—in writing if possible—to send a validation notice showing the original creditor, the amount owed, and how the balance was calculated. Do not provide or confirm sensitive information until you have this documentation and have matched it to your own records. Also obtain and review your credit reports to confirm how and by whom the account is being reported, and dispute any errors with RPM and the credit bureaus.([badcollector.com](https://www.badcollector.com/receivables-performance-management.html?utm_source=openai))
Why do I see multiple calls or attempts from Receivables Performance Management?
Collection agencies often make repeated contact attempts by phone, mail, or text to reach consumers about overdue accounts. RPM has been involved in litigation related to the frequency of its calls, and there are state and federal rules that limit abusive or harassing contact. If you feel the call frequency is excessive or harassing, document dates and times of calls and consider sending RPM a written request to limit or stop certain contact methods, and consult consumer protection resources if necessary.([rpmclass.com](https://www.rpmclass.com/?utm_source=openai))
Does Receivables Performance Management offer payment plans or settlements on collection accounts?
In many cases, RPM may be authorized by the creditor or owner of the debt to arrange structured payment plans or, sometimes, discounted lump‑sum settlements. Any offer should be received in writing and should clearly state whether the payment will satisfy the account in full or only partially, and how RPM will report the account to the credit bureaus afterward. Keep copies of all agreements and proof of payment for your records.
How do I dispute a charge or collection with Receivables Performance Management if I believe it’s incorrect or not mine?
If you believe the collection or charge is wrong, send RPM a detailed written dispute letter within 30 days of their initial notice, explaining why you disagree and supplying any supporting documentation. Request that they provide validation of the debt and cease collection activity until they do so. At the same time, file disputes with the credit bureaus if the account appears on your reports, and consider placing a fraud alert or credit freeze if you suspect identity theft.([badcollector.com](https://www.badcollector.com/receivables-performance-management.html?utm_source=openai))
Can a collection from Receivables Performance Management affect my credit score, and how long will it stay on my report?
Yes. When RPM reports a collection account to the credit bureaus, it can significantly impact your credit score, especially if the debt is recent. In general, legitimate collection accounts can remain on your credit reports for up to seven years from the date of first delinquency with the original creditor, even if the debt is later paid or transferred. Paying or resolving the account will not erase it immediately, but it may improve how future lenders view your report.([cardozalawcorp.com](https://www.cardozalawcorp.com/library/receivables-performance-management-llc.cfm?utm_source=openai))
How can I contact Receivables Performance Management about a charge, payment, or dispute?
You can contact RPM using the phone number and mailing address listed in any collection letter you received, or by visiting their official website at receivablesperformance.com to confirm current contact details. When you call or write, have your RPM account number, the original creditor’s name, and the amount in question ready so they can locate your file. For disputes, it is best to send a written letter by certified mail and keep copies of all correspondence and payment confirmations.([linkedin.com](https://www.linkedin.com/company/receivables-performance-management?utm_source=openai))
This merchant is in the Financial Services category