Date Received: 2021-10-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I mailed a Coupon/Bill of Approval on XX/XX/2021 via certified mail and return receipt to the CFO and Registered Agent. Both were delivered on XX/XX/2021. Pursuant to UCC 1-202 ( f ), upon receiving these notices, they were hereby notified. Whether they accept or not the coupon which is a negotiable instrument, it is discharged upon receipt pursuant to UCC 3-603. Whether they accept my negotiable instrument or not they have to XXXX out the balance and mail me a check for the remaining balance. Up until today, I have not received anything from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been sending disputes to Convergent Outsourcing every month for almost 1 year to report a collection account that does not belong to me and have provided a notarized FTC Identity Theft Victim 's complaint form, a police report with XXXXPD of when my identity was stolen, and several disputes to XXXX. XXXX keeps reporting the debt and it's hurting my credit scores. This is very unfair since the account is not mine and Convergent Outsourcing has not returned my emails after I called in and their agents have not been helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I sent a letter to Convergent Outsourcing , Inc dated XX/XX/2021 requesting debt validation. Instead of sending proper debt validation, I received a letter from Convergent Outsourcing , Inc, dated XX/XX/2021 indicating : X This debt is valid, attached is verification of the debt. Attached to the letter were XXXX statements. Convergent Outsourcing , Inc., did not properly validate the alleged debt according to applicable debt collection laws. Convergent Outsourcing , Inc., failed to provide a signed contract between myself and their company. Convergent Outsourcing , IncXXXX, failed to provide proof of a business relationship between them and XXXX. Convergent Outsourcing , Inc., failed to provide proof that I legally owed the debt they are attempting to collect. To CONVERGENT OUTSOURCING, INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. I have no recollection of a business relationship with Convergent Outsourcing , Inc. ( CONVERGENT OUTSOURCING, INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and Convergent Outsourcing , Inc . Please verify your claim under pains and penalties that this is a true debt and not a collection scheme pursuant to 15 U.S.C. 1692. Please send me a certified copy of your license to collect a debt in California. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I believe that Under Title 15 Chapter XXXX, Convergent Outsourcing Inc is responsible for individual actions Pursuant to FCRA, FDCPA, and TILA. Additionally, they are guilty of copyright infringement and my right to privacy is being violated. I have not ever contracted with or given my consent to contract with this third party company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a past due debt owed with XXXX XXXX XXXX cellular services in the amount of {$1500.00}. I paid the debt in its entirety directly to XXXX in store. The manager at XXXX XXXX assured me that once the full amount of the debt was paid in full they would in turn contact the debt collector convergent outsourcing and advise them the debt was paid in full and instruct convergent outsourcing to remove the collection account from my XXXX and XXXX credit reoport. As of today both credit reporting agencies have refused to remove the collection account from my reports and when I called the collection company they advised I need to dispute with credit bureau. Neither company is willing to help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a 3rd party collections that will not take the proof I sent them that the original company agrees there is no balance. They come back and say I did not provide enough information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent sent a notice of collection for debt with XXXX XXXX XXXX XXXX for over XXXX in which I have never done business with. I asked them for an original contract with my signature and they could not produce any documents. I asked them to provide any evidence showing amounts service etc. they did not provide. This company is illegally targeting and trying to collect debts not owed. I have also contacted the CFPB and an attorney to resolve this debt scam immediately. They are aggressive attempting to collect on the debt that is not mine in first place. I contacted Them as soon as I saw this collection on my credit report. They could NOT find any negative accounts in my name.. I still have my phone active and in current status with them I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house this is outrageous and should not be allowed. please help me stop these calls. I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!! Please cease and desist unverified collection account. And delete all false information immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I Received a collection from Convergent for an unpaid XXXX XXXX XXXX bill, I don't have an account With XXXX XXXX XXXX The back of the notice says unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt, this office will assume the debt is valid? I received the notice XX/XX/2021 I googled the company and it seems like this is s scam so I have not tried to reach out to them because i don't recognize the charges. And do not want to deal with a company that is not legitimate in any way
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79602
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX The amount is XXXX I contacted the collection company letting the know that they ae reporting false information to the credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a Military Vet with over 10 years service to my country. I became XXXX in 2016 for over 4 years. As such I lost most of my documents. I have recently become settled and in the last year I have been trying to resolve these fraudulent account issues with the following debt collection agencies. These accounts I did not open and their presence on my Credit Report has made it almost impossible to take care of my children and my family during this Pandemic. I also reported it to the Police and they advised me that I should make a report to CFPB. The below mentioned companies have not been able to provide me with either my Social Security number or my signature as proof that I have opened these accounts. Neither will I provide it to them as I no longer believe that it is safe to do so. XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A