Date Received: 2021-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Good day and thank you for reviewing my complaint. Recently I checked by credit report and found that the company XXXX ( now with collections company Convergent Outsourcing ) had put a derogatory marking on my report regarding an account I had with them that ending in XX/XX/2018. I have documentation showing I paid for my monthly service as normal however the last payment that I made to them ( on XX/XX/2018, screenshot of a text confirmation is provided ) was never reflected on statements thereafter. I cancelled by service with XXXX 4-5 days before my next billing cycle would begin. In essence, I should have had a prorated adjustment to my account and that didnt happen either. I was no longer in contract for mobile service with XXXX and I didnt have cell phones that were in contract with them either. I have enclosed copies of my XXXX statement, copies of my XXXX statement showing when I transferred service and a screenshot of the text payment confirmation. I talked with someone back in XXXX after cancelling my service and thought this was resolved. I have no idea why 2 years later this showing up on my credit report. This issue has put a negative baring on my credit report and am furious about it since I am in close marking to having excellent credit. This report made my rating go down XXXX points! I dont believe I owe XXXX anything thing. I would be greatly appreciative into looking at this dispute and discrepancies. Thank you in advance for your time and research.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is respected to bill send by XXXX when i switch the carrier. Back in XXXX XXXX had sent me network enhance device by one-time charge of XXXX $ and said I never have to refund the device and pay anything. Now in XXXX when I switched from XXXX they had put the charges of XXXX $ of that device for not returning. XXXX just trying to punish me moving from their service. I had asked XXXX to send me a proof of agreement I signed for returning the device then I will be ready to pay the amount, but they dont even send me the agreement of XXXX. I had called XXXX department 3 time and everytime they said they will investigate and come back to me but they never do. Now the XXXX is sending the charges to collection agency which is not fair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 Convergent Outsourcing added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Convergent Outsourcing has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. I have already sent several request for debt validation to Convergent Outsourcing, however they remained negligent and did not respond or delete the unverified account from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: on XX/XX/2021 Convergent sent me a letter saying that I owe an alleged debt of {$460.00} and I have no clue who they are, apparently it is from XXXX but again I have no clue of this alleged debt and no one let me know that my information is being passed from company to company without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received debt collection letter from company owing {$410.00} for XXXX XXXX XXXX not sure when but have complained with the debt collection company this is a fraud attempt. They send me paperwork to fill out but am checking around first??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2021 I emailed a " notarized and " certified '' to Convergent Outsourcing, Inc. Convergent Outsourcing, Inc is in violation of several laws according to the 15 U.S Code 1692g of the Fair Debt Collection Practices Act. A debt collector can not say I owe alleged debt, it is a violation and seeking remedy for damages inflicted on me. This debt is not mine. Additionally, Convergent Outsourcing, Inc never sent a notice 5 days before the account was placed on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company which is convergent and the original company or creditor is XXXX XXXX. They wrote me a letter on XX/XX/2021 and I responded back to them on XX/XX/2021. Letting them know that this was not in my name this is the second company that has tried to collect on the saying say it did and it has been removed from my credit report once. The name of the sea it did is XXXX XXXX. That is not my name my name is XXXX XXXX XXXX. The amount is {$470.00}. I wrote them they have not responded back to me. I wrote them on XX/XX/2021 a dispute letter for this collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX Convergent Outsourcing , Inc . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX : XXXX CC : I have been billed by XXXX for all of XXXX when I terminated my service with them in XXXX. All my efforts to contact them have failed in that : Their account system says I do not have an account. Their chatbot says I dont have an account. Look at my address. The XXXX store here was looted and closed, in recent riots I looked at social media. These problems are constant. I tried calling their sales line and was on hold for 30 minutes before I gave up. They have not responded to written requests for information / resolution. Here are my payments from XX/XX/XXXX on : Payment Type To DeliveryOn Status ConfirmationNumber Payments XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX Check # XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX Check # XXXX XXXX XXXX XX/XX/XXXX Processed QXWJH-TQDKG XXXX Total paid from XX/XX/XXXX on : XXXX As is clear, I was current in XXXX, and have paid {$570.00} from XXXX on, the month in which I terminated service with XXXX. I have tried since XXXX of this year to understand what I am being billed for, but as already mentioned, including in writing, I have no idea what it is Im being billed for. Apparently, my service has been discontinued, which has been true since XXXX of XXXX. I most certainly welcome that, Id just appreciate not being hounded for payment for services that have not been rendered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Convergent Outsourcing sent me email that my account with XXXX. I settled the debt with Convergent Outsourcing. Then XXXX kept sending me emails saying that I owed a balance still. The email from XXXX also said that I would be sent to collections. I thought that was kind of strange. I called XXXX and was told they never sent my information to collections. I paid XXXX to Convergent Outsourcing thinking I settled the bill. This was paid on XX/XX/XXXX. I also want to submit a complaint against XXXX for my information not being kept secure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A