Date Received: 2021-07-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Spoke to Convergent Outsourcing Rep informed them that I do not owe the amount they are attempting to collect. Their letter reflects a balance owed in the amount of {$770.00} but the billing records they provided from the creditor XXXX XXXX indicate a balance owed of {$610.00}. There is no explanation for the difference. This clearly violates The Fair Debt Collections Practices Act. I also disputed the equipment charges in the amount of {$420.00} there is no description for what alleged equipment I am being charged for. This account was back in 2017. I do not have a receipt back that far. Convergent is still trying to collect the full disputed balance and has not even corrected my credit report which also violates the Fair Credit Reporting Act, Furnishing False info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/2018 I ended my contract with XXXX after 5 years, I canceled it on the contract end date according to the representative. I canceled it and went into a XXXX store and worked with a customer service representative for XXXX who Took my phones and equipment on the account, I paid for one phone I wanted to keep for our daughter. I paid the account in full at the store with a check ran as a direct ACH debit at the register. The account was then canceled and I left. Only to later receive a bill for {$190.00} from XXXX. Which has now been sent to collections and reported to the credit bureau negatively and inaccurately by Convergent Outsourcing INC . I have sent proof to both companies, this account was paid in full on the cancelation date. This account was paid in full and canceled at the XXXX store with a representative who said it was now closed and no further charges would be assessed. I also called customer service to verify this and was told it was closed and PAID IN FULL. Theres not much more you can do to close an account and avoid further charges. This is unfair, and inaccurate and causing my score to drop severely with XXXX. I have disputed this with the credit bureaus with proof of payment in full on the memo of the check paid as an ACH at the register at the store, so I had proof of payment. I do not owe this debt to XXXX which sold it to C.O.I. who is also repeatedly violating My FDCRA by changing the assigned date of this account. It is only being reported to XXXX now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The debt collector is in violation of 15 USC 1692c ( a ), 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692c ( b ), 15 USC 1692d ( 1 ) ,15 USC 1692d ( 2 ) ,15 USC 1692d ( 3 ), just to name a few. According to 15 USC 1692k ( 2 ) ( A ) each violation is worth {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent OutsourcingXXXX has contacted me via USPS for a debt that does not belong to me. They told me that I owed this particular debt to a XXXX which is not true. How can these people be permitted to operate and send these bogus letters to people? When I called them they continued to state that I owed in excess of {$700.00} for a bill not paid. Clearly a huge mistake. While I was speaking to them I looked them up and realized that they are not a valid company. I also confirmed with XXXX that this charge is not valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX Acc # XXXX {$16000.00}, Convergent Outsourcing Acc # XXXX {$660.00}, XXXX / XXXX XXXX XXXX I Acc # XXXX {$470.00}, XXXX / XXXX Acc # XXXX {$500.00}, XXXX / XXXX XXXX Acc # XXXX {$350.00}, XXXX /XXXX Acc XXXX XXXX {$220.00}, XXXX Acc XXXX XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent Outsourcing, Inc. have been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On I discovered ( CONVERGENT OUTSOURCING ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called Convergent Outsourcing numerous times about a collection account that they have placed on my file. Originally, the account was removed because they couldn't verify it but now it is back. It is for a Utility Bill in Florida. I have never resided in Florida, furthermore when I spoke to someone at XXXX XXXX I was advised that the account was opened but they never got a copy of my ID. This is defamation of character and using scare tactics to attempt to force me to pay a debt I do not own. I even supplied them with notarized information stating that the debt does not belong to me but they continue to report it on my credit report. Account number listed on report : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Another debt collector like XXXX XXXX XXXX XXXX that pretends to collect a debt with out investigation the nature of the truth. They said the same as XXXX XXXX XXXX that debd is been validated, then when I requested original documentation where shows amounts owed, they just switched to another company. I personally believes this is the game the utilize to rip off people with the excuse of " collecting a debt ''. Their practices are not completely clear. I have had trying to contact them several times and never answer, neither provide the information requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A