RAB PERFORMANCE RECOVERIES, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/07/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30314	Web
Collection company, RAB Performance Recoveries , LLC ( " RAB '' ), has engaged in bad faith practices in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) ; and after knowingly withholding requested, material information, continues to attempt to collect upon a debt that ultimately is not owed ; and which is time-barred by the statute of limitations. The alleged debt at issue stems from a paid/settled credit card account with XXXX XXXX XXXX XXXX, where RAB is the Assignee of XXXX XXXX XXXX XXXX XXXX erstwhile XXXX Credit Card accounts. On XXXX XXXX, XXXX, RAB filed a complaint against me in XXXX in XXXX XXXX XXXX XXXX ( Civil Action Number XXXX ). However, I never was informed of the complaint at the time, nor did I have an opportunity to respond. Documentation recently obtained from the court file -- which RAB intentionally withheld from me by way of RAB 's attorneys -- reveals that they never served me. Instead, they served a XXXX male with a description of XXXX and XXXX pounds. I am XXXX and at the time was closer to a weight of XXXX pounds, as evidenced by the attached numerous exhibits and affidavits. Exhs. In addition, they allege to have served me at my apartment ( Apartment XXXX ) ; however, the attached exhibits and affidavits show that Apartment XXXX was an unmarked basement. Exhs. On XX/XX/XXXX, I attempted to obtain information about the debt directly from RAB by contacting their attorneys, XXXX XXXX and XXXX ( Exh. ) ; however, in bad faith, RAB 's attorneys refused to provide the information ( Exh. ). Specifically, orally and in writing, I requested : ( 1 ) a copy of the Complaint, ( 2 ) a copy of the Default Judgment, and ( 3 ) a copy of paperwork showing service. Exh. However, on XX/XX/XXXX, they only responded with a copy of the Default Judgment, and refused to provide the Complaint or the service paperwork, apparently trying to hide the details of both the alleged debt and of the alleged service from me. Exh. The fact that they provided a fraction of the information evidences their receipt of my request for all the documents that I requested including the service paperwork that they withheld. Because it took me an additional five months, until XX/XX/XXXX, to obtain the complaint and service paperwork from XXXX County Magistrate Court due to the COVID-19 pandemic and the courthouse archives being closed, RAB 's refusal to be transparent and efforts to hide information from me has resulted in a significant delay in the timeline of my ability to re-open the default judgment and resolve this matter. On XX/XX/XXXX, XXXX County Magistrate Court Presiding Judge XXXX XXXX XXXX has instructed the Court Clerk to schedule a hearing for this matter, upon my motion to vacate the default judgment for lack of personal jurisdiction ( lack of service ). Exh. However, again, because of the COVID-19 pandemic, no hearing has yet been scheduled ; and it may take months to get a hearing. If not for RAB 's unreasonable withholding of information in XX/XX/XXXX, which delayed my ability to file my motion until XXXX XXXX, the hearing could potentially have been scheduled or have occurred by now. Previously, before obtaining the alleged service paperwork, I attempted to settle this debt, despite not owing it, as a means to simply resolve this matter. However, RAB refused to entertain a settlement offer for anything less than what they allege is due. It is not clear to me why RAB would choose to spend dozens of hours and potentially thousands in attorney fees on such a small amount of money, especially when I have offered to settle. Now, eventually, when I get my hearing, it is likely that the default judgment will be reversed because of lack of service, which means all that time and money will have potentially been spent for nothing except job creation in the legal industry. It is unfair for RAB to obtain judgments against people without their knowledge. It is further unfair for RAB to withhold information from people who seek to obtain information about the alleged debt and about any alleged service regarding complaints concerning the alleged debt. It is further unfair, after not serving people and refusing to provide documents that show the lack of service, to continue to try to collect upon an alleged debt ; and therein to file offensive documents in court suggesting that half a foot in height and sixty pounds in weight are " paltry differences. '' Once the default judgment is reversed and the lack of service is noted by the court, then RAB 's collection efforts will be revealed to have been time-barred, illegal collection efforts in violation of the relevant state statute of limitations and the FDCPA under federal law. Attached Exhibits : ( 1 ) XX/XX/XXXX request to RAB for documents ( 2 ) XX/XX/XXXX RAB letter omitting requested documents ( 3 ) Affidavit of XXXX XXXX ( 4 ) Affidavit of XXXX XXXX XXXX ( 5 ) Order to Set Hearing on Motion to Vacate Judgment ( 6 ) Motion to Vacate Judgment ( 7 ) RAB 's Reply to Motion to Vacate Judgment ( 8 ) My Reply to RAB 's Reply to Motion to Vacate Judgment
03/13/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IA 500XX	Web
XX/XX/XXXX XXXX XXXX Called RAB at XXXX left voice message with account number and name with request to make an offer. XX/XX/XXXX XXXX XXXX Received voice mail message from XXXX XXXX ( sp ) with request to discuss the settlement offer. XXXX is not a lawyer, but works for XXXX XXXX XXXX in Omaha for collections. XX/XX/XXXX XXXX XXXX Returned call to XXXX XXXX at XXXX, Ex XXXX regarding payoff. He claimed they payoff amount was {$15000.00} which included the original Lien of {$13000.00} + court cost + it was accruing interest at {$0.00} / day. I claimed that it may not be lawful to accruing interest. He said it was court appointed. In later review of the case document, I believe it read something differently. The call was recorded. XXXX made an offer to settle at {$0.00} on the dollar or {$10000.00}. As an agent for RAB, he did not have authority to negotiate below that amount. I claimed that RAB bought the debt at {$0.00} on the dollar and that the offer to settle was too much. I counter offered at {$500.00}. XXXX stated that an offer of {$4000.00} had already been made / rejected on XX/XX/XXXX and that he would not take a lower than {$4000.00} offer to RAB. I pressed him, that as an agent, who had no ability to negotiate, that he needs to take the offer to RAB as it has been 5+ years. After some back and forth, XXXX agreed to present the good faith offer of {$500.00} to XXXX and that he would call me back for the result. I told him that I could wait forever and it doesnt really matter to me. XXXX XXXX XXXX Called XXXX, left voice mail regarding the {$500.00} offer and inquiring about its status. Would be expecting a call back on XXXX. Did not get a call back. XX/XX/XXXX XXXX XXXX Called XXXX, left voice mail regarding the {$500.00} offer and inquiring about its status. Would be expecting a call back on XX/XX/XXXX. Did not get a call back XX/XX/XXXX XXXX XXXX Called XXXX, discussed the case, he verified information. They represent RAB as the client. He did NOT make the presentation of the {$500.00} good faith offer to RAB as we had discussed after I claimed that he was unwilling in the first call, it appears that he was unwilling on XX/XX/XXXX. He claimed, that he was once again only authorized to settle at 70 % of the value and that he was not going to take a {$500.00} offer to RAB when a {$4000.00} had already been submitted and was less. The rationale is that it is 5 years later. I advised that I was going to escalate this to the Secretary of State in New Jersey and Consumer Finance Protection Bureau. He said, good luck and hung up. XX/XX/XXXX Sent this same letter with back-up via USPS Certified Mail to RAB at the XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ Address. The letter was returned to Sender on XX/XX/XXXX as no forwarding address at been provided by RAB. XX/XX/XXXX Re-sending this letter / packet to RAB at the XXXX, NJ Address via XXXX. Tracking was utilized XX/XX/XXXX XXXX pm Tracking complete. The package / letter was signed for by XXXX XXXX at XXXX XXXX on XX/XX/XXXX. Have not received any contact since the letter was sent making the offer directly in good faith. This indicates an unwillingness to negotiate in good faith and is the basis of this complaint.
10/08/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NJ 08021	Web
I received a complaint from RAB Performance Recoveries. I filed an answer and sent my request for discovery and interrogatories. The firm then filed a summary judgment motion saying there were no material facts and yet they have not even responded to my discovery, so no facts were known yet. I requested a postponement of their Motion and they claimed they would postpone it and even sent me a new court date. Then, instead they went to Court on the original date and got their judgment, as I was home still waiting for their discovery answers. They never postponed the matter, and lied. They got a judgment and started strong arm tactics and threats to extort money from me. I began research while I was paying {$100.00} each month. I finally found out how they got the judgment as there were so many other victoms on line who they had done the same thing to. I outlined all of the research I found and sent it to them via e mail, regular and certified mail. I said I had evidence of their wrongdoing and would go to the court with it upon motion. They responded by saying they would drop the case. So, I contacted the court who suggested I prepare a Warrant to Satisfy Judgment. I prepared it and sent it to be signed and filed by RAB Performance Recoveries. I never heard another single word, or received any correspondence whatsoever for about 6 years now. RAB now just pulled up the 8 year old file and has filed a motion to attach wages based on the Judgment they received through fraud. Turns out that they failed to file the Warrant on the order they received through trickery and defrauding of the court and myself. They also gave no credit in this new Motion for Garnishment for the {$1000.00} that they extorted from me, and I have long ago disposed of this file, as I truly thought it was a closed matter after not hearing a word for more than five years. Since they initilly falsified court papers to get the judgment in the first place, the judgment should be voided and the matter should be outside the statute of limitations at this point. I desperately need help in communicating their wrongdoing to both the public and the court as well as other victims of their scam. They operate a business by ignoring court rules, lying to debtors about what their intentions are and what remedies are available, lie about court hearing dates, fail to abide by court rules of discovery and are still in business not being held accountable for all of these illegal activities. They need to be stopped. thank you.
08/29/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MN 553XX	Web	Older American, Servicemember
In XX/XX/XXXX of 2016 I realized that my bank account had been garnished by XXXX XXXX XXXX for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to RAB Performance Recoveries to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from RAB Performance Recoveries that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to RAB to get payoff information. After weeks of calling in and not reaching anyone at RAB she finally got a call back. They informed her that XXXX XXXX XXXX are now handling the account and provided the processor with thier contact information. When she called in to to XXXX XXXX XXXX the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with XXXX XXXX XXXX to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a XXXX XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account
04/25/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA 30315	Web
In Spring of XXXX, I was service with a summons from RAB Performances, who was collecting a debt on behalf of XXXX Credit Card. The Case Number is XXXX. I responded to the summons within 30 days as required, and denied ownership of the debt. In XXXX XXXX, I pulled my credit report and noticed a default judgment listed for RAB Performances for the amount of {$1700.00}. I disputed this judgment with the credit bureau, and it came back as verified. In XXXX XXXX, I contact XXXX XXXX court via certified mail and requested for the judgment to be dismissed/vacated. I was not notified by the court that a hearing had been set regarding this matter. I was later informed by the clerk of court that the hearing was set in XXXX of XXXX, and the hearing information was mailed to XXXX XXXX XXXX, XXXX XXXX ; I moved to XXXX in XXXX XXXX, which was two years prior to the notice being served. In response to my motion to dismiss, I was contacted by XXXX, XXXX, and XXXX, who stated that they are collecting the debt on behalf of their client, RAB Performances. On XXXX/XXXX/XXXX, my paycheck was garnished for {$350.00}, and my XXXX/XXXX/XXXX paycheck was garnished for over {$400.00}, which has caused a severe financial strain on my household. I contacted them and asked them to verify the original account listed with their office, and they provided the account number of *******************. I informed them that this account number does not match what is listed for this creditor on my credit report, and provided proof. I have yet to receive a response from XXXX, XXXX, and XXXX regarding this matter.
04/16/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MI 48167	Web
XXXX XXXX XXXX , XXXX, who assigned this account to RAB Performance Recoveries, conducted a presentation to my class at XXXX XXXX, in XXXX, MI. I was attending XXXX for their XXXX program and the recruiters for the XXXX XXXX were recruiting students to be in their XXXX program. The recruiters collected our information and stated that we could only enroll once we had graduated the XXXX program and had been licensed by the state. Following that presentation, I had never heard anything from the XXXX XXXX. I never provided any of the required information and NEVER enrolled in their program. Without my knowledge or consent, this program had taken out a private student loan for {$5400.00} on my behalf. I had never signed for nor received any of these funds nor did I ever agree to any terms for student loan, nor have I ever even enrolled with this school. I had no knowledge that this account even existed until I received a Writ of Garnishment request by RAB that was issued on XXXX XXXX, 2015. I am in the process of asking the court to vacate the judgment and allow me to proceed with a defense but that appears to be a long shot because RAB was able to get a default judgment without ever even informing that such a lawsuit existed. There was no attempts to collect this falsified debt until this recent garnishment. RAB Performance Recovery is apparently insistent that I owe this debt and has provided no proof of the validated of this debt. And I highly doubt any proof was provided to the court either.
12/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30144	Web
I received information through a title search and from the closing attorney that I had a judgement and a personal property lien against me on XX/XX/XXXX in the amount of XXXX. The judgement and lien were placed by a debt collection company, XXXX XXXX XXXX. After numerous attempts to reach them by phone and ask questions via their website, they refused to identify the original creditor on this debt, the amount owed as of the last transaction or provide any proof that could substantiate the debt. The address they had on the judgement was an address that I have not lived at in over 13 years. The original judgement was obtained in XXXX County State Court in XXXX and renewed with a property lien in XXXX when I inherited a 10 % share in my grandmother 's property. In order to close on the sale of this property my aunt had to pay them off. They refused to take her call and also refused to take her payment over the phone as they say they will on their website. We ended up paying electronically by check and have not received either a reply confirming the debt is settled and the lien is being lifted. This company has essentially held 6 heirs hostage to rightfully claiming the proceeds from their mother 's estate because XXXX XXXX XXXX didn't care enough about this tiny debt to respond in a timely and conscientious manner.
08/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 49505	Web
My husband and I had credit cards through XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX Bank, which was subsequently paid off with the XXXX loan. I received a judgment from RAB Performance Recoveries LLC for my credit card stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to XXXX XXXX XXXX XXXX XXXX to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. My account has been garnished repeatedly as well as my children 's savings accounts because my name is on them.
10/29/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NJ 07112	Web
On XX/XX/2018 I received a " Notice to Defendant '' that a judgment was entered against me for {$12000.00} and threatens to come into my home seize my property for auction. This was made in the town of XXXX XXXX, NJ ( which I do not live or never lived ). The plaintiff Rab Performance ( of which I have never heard of or have had contact with the company or any of its representatives ) never contacted me before this lawsuit. The amount of debt they are trying to collect is not my debt. I know the debt that I have. I keep a close watch on my credit report as I am paying off debts to raise my credit score. This debt of {$12000.00} is not on my credit report, has never been on my credit report and is not my debt. On the court notice my name is incorrect " XXXX XXXX XXXX '' This has NEVER been my name. I would like for Rab Performance to redact this lawsuit judgment, because this is not my debt. I can issue my credit report to prove it.
07/14/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	MI 481XX	Web
A credit I obtained during college over 12 yrs ago was n't paid off. I have no idea what the actual balance is since I have n't rcvd any docs to support. I rcvd a notice of garnishment a wk ago, and the garnishment began today. The dates on the docs are from 2011 and at an address I have n't lived at for over 5 yrs. It was signed by someone I do not know and the person was n't at my home. I think it could 've been a groundskeeper at that apt complex. The court told me a notice was also taped to the door according to RAB Performance. Again, I had no notification of any court dates. I have since been told there is n't anything I can do at this point since I did n't attend the court date. I was also told I could n't appeal the decision since it 's beyond a certain number of days, but had I been properly notified, I would 've been able to attend court and/or appeal the decision.
04/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 077XX	Web	Older American
I am XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX firm XXXX XXXX XXXX XXXX XXXX, NJ XXXX that they want me to pay to RAB PERFORMANCE XXXX {$890.00} with the interest so on. On this XXXX letter showing date XX/XX/2011. I do not know who is this firm and I do not remember what is this for. This this Law firm send me letter that they want to collect the money. From no where this is comes, I do not know what is going on. XXXX XXXX XXXX XXXX XXXX File # XXXX this Law firm phone number is very strange I called them finally I talk to some one and she said Debt Collector XXXX and her EXT. is XXXX but no respond. Their number is XXXX XXXX
06/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07052	Web
1. I am not certain what or how I came to owe this company. 2. The address listed in the complaint is more than 20 yrs old XXXX XXXX XXXX XXXX, XXXX NJ and the filing date was XX/XX/12 at which I was at my current address at XXXX XXXX XXXX XXXX XXXX, NJ XXXX 3. I have tried to contact this company but can not pin down a viable telephone number or address. 4. This was filed in XX/XX/2012 and I filed for Bankruptcy on XX/XX/2012, so it should have been included, but does not appear except some where of public servers.
06/26/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	NJ 07065	Web
I received a summons from RAB performance and I answered, paid the money and went to court when I received the court date. No one ever showed for this company and the judgement was vacated. It is still pending on my credit file and I am unable to obtain a mortgage. I am a single mom trying to provide a better life for my son. This has stagnated me. I am not even aware of the company XXXX any dealings hence me going to court to find out more. Please help me
07/16/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 487XX	Web
RAB performamce received a judgement against me for {$6200.00} on XX/XX/06. I never received notice of this hearing, and never had a chance to dispute or question the amount. Now RAB performance is demanding over {$14000.00}. I have called them many times and the will not offer any information or explanation. I am not even sure what this debt if from, they will not offer me any proof of that is amount is from.
01/20/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	CO 80013	Web
RAB Performance Recoveries has taken me to court for a debt that is not mine or that they have not been able to show some sort of proof that I owe. I am now in mediation attempting to get this thrown out as the judge signed off on it and is allowing the targeting practice to go on. They already have numerous complaints against them online and on XXXX XXXX.
06/04/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 10552	Web
On XX/XX/21 RAB performance had XXXX XXXX XXXX place a hold on my bank account for a credit card i never had. And the so called debt is over 10 years old. Also when i contacted both agencies they gave me the run around. I need XXXX badly
04/23/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	IN XXXXX	Web
A garnishment/hold has been issued on my bank account because my son is on the account. The debtor did not submit an court order to appear in court. The debtor was given automatic permission to seize my bank account.
11/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NE XXXXX	Web	Servicemember
Trying to collect debt that is past the statute of limitations.
04/23/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	IN XXXXX	Web
I was not properly notified about the lawsuit or garnishment.
10/14/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NJ 07662	Web

04/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CT 06482	Web

11/07/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NY 11722	Web	Servicemember

09/06/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 08234	Web

07/19/2016	No	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 14221	Phone

11/02/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CO 81321	Web

12/12/2014	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WA 98374	Web	Servicemember