Date Received: 2021-04-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am sending this letter to you in response to a notice I received from you on XX/XX/2021. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX XXXX b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Convergent XXXX Started receiving calls from them end of a XX/XX/2021. They call approximately 2-4 times day. No voicemail is ever left. Some calls show as missed others show as incoming 4-6 seconds.. odd. I have no business with Convergent nor any credit report items found. Unknown contact
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX phone someone stole my information this XXXX XXXX keep XXXX XXXX my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX XXXX i never did at all. Please clear everything from my record because im becoming a XXXX XXXX my record needs to be clean.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92602
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'm on the phone with a representative from the offshore location for CONVERGENT OUTSOURCINNG in regards to alleged debt with XXXX from XXXX? I told her that I need to see the full validation of the debt including the signed contract and she said that she doesn't have that I would need to contact XXXX How come a debt from XXXX all of the sudden is reporting in XXXX? Isn't this an obsolete and ghost debt? Honestly, Im confused and stressed, and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from your company " COI '' that I never have dealt with before or even the original creditor. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent Outsourcing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA. XXXX Attorneys for the Securities and Exchange Commission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Securities and exchange Commission XXXX XXXX XXXX, XXXX XXXX XXXX, Pennsylvania XXXX United States District Court for the District of Maryland Subject : Cease and Desist Respondent, XXXX received the attached document in the mail regarding an alleged debt owed to your client XXXX XXXX. XXXX XXXX is said to have been the original holder of this alleged debt. Prior to receiving this letter, Respondent has never heard of XXXX XXXX nor has he had any form of business relationship with them. Respondent does not owe this debt. To date, Convergent Outsourcing has not provided the original documents bearing Respondents signature and the date of the alleged transaction as required by the Fair Debt Collections Practices Act, 15 U.S. Code 1692 ( 1978 ). Upon performing research on all the entities cited herein, the two primary entities, XXXX XXXX XXXX and XXXX XXXX no longer exist. Thus, the history of this debt may not be verifiable and one the entities cited ( XXXX XXXX XXXX XXXX ) lacks credibility and several of the alleged creditors involved have been convicted of fraud and other criminal activities and were sentenced to more than 20 years of imprisonment. Firstly, XXXX Bank was purchased by XXXX XXXX XXXX on XX/XX/XXXX, 18 years ago. Thus, any debts written by XXXX XXXX are not being collected by XXXX XXXX XXXX now. This is confirmed by XXXX XXXX XXXX. XXXX XXXX XXXX has stipulated that they have no interest in collecting any such alleged debt. Notwithstanding the tolling of Va. Code Ann . 8.3A-118 ( 2017 )., Virginias statute of limitations law, which is six years in most cases, the validity of the debt can not be established and verified with the requisite documentation pursuant to the Fair Debt Collections Practices Act. The alleged debt cited herein was said to have been purchased first by XXXX XXXX XXXX, XXXX from XXXX XXXX. On XX/XX/XXXX, the Securities and Exchange Commission secured an emergency asset freeze, estoppel, to mitigate damage sustained from the fraudulent Ponzi-like scheme perpetrated by XXXX XXXX XXXX owners, XXXX XXXX, XXXX XXXX, and XXXX XXXX and named entities, as conspirators under investigation, as well as holders and controllers of the company ( s ) and its ill-gotten gains. As stated in the SEC complaint, the defendants created fake debt to sale to other entities and to show potential investors the debt that they would purchase with the monies obtain. The complaint specifically illustrates the fraudulent intent of the conspirators stating, This matter involves an offering ( of ) fraud by Defendants XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX that raised more than {$340.00} XXXX from over 230 investors to purchase consumer debt portfolios. From at least XXXX to present ( XXXX ), Defendants operated this Ponzi-like scheme that involved, among other things, securities offerings rife with misrepresentations, fake debt, forged signatures, fabricated wire transfers, the movement of millions of dollars into personal accounts, and an elaborate scheme wherein Defendants offered and sold investments in the same and often fictitious debt and or debt portfolios, to multiple victims. As XXXX XXXX XXXX, XXXX is the first link in the chain of debt collectors it is also the weakest link in the chain of debt collectors. This companys prime motivation was not debt collection, but fraudulent debt creation for the purpose posing as collectors to acquire large sums of capital, {$340.00} XXXX from 230 unwitting investors, to purchase debt portfolios from nonexistent creditors and debtors. As established herein, XXXX XXXX XXXX, XXXX lacks credibility to further collect or recommend that any debt should be collected. The documents passed to the next credit collection entity should, at the very least, be considered suspect as this company created documents and forged signatures in the furtherance of a felonious scheme. This is not an accusation ; it is a fact proven by the United States Securities and Exchange Commission. Additionally, the court has ordered the assets to be managed and secured under receivership. This order specifically states, Except as otherwise specified herein, all assets of Defendants and Receivership Parties ( collectively, " Receivership Assets '' ) are frozen until further order of this Court. " Receivership Assets '' means assets of any and every kind whatsoever, including without limitation all assets described in this Order, that are : ( a ) owned, controlled, or held, in whole or in part, by or for the benefit of any of the Receivership Parties ; ( b ) in the actual or constructive possession of any of the Receivership Parties, or other individual or entity acting in concert with any of the Receivership Parties ; ( c ) held by an agent of any of the Receivership Parties, including as a retainer for the agent 's provision of services ; or ( d ) owned, controlled, or held, in whole or in part, by, or in the actual or constructive possession of, or otherwise held for the benefit of, any corporation, partnership, trust, or other entity directly or indirectly owned, controlled, or held, in whole or in part, by any of the Receivership Parties, including assets that have been transferred to other persons or entities but as to which assets such persons or entities do not have a legitimate claim. For the avoidance of doubt, the " Receivership Assets '' include all assets owned, controlled, or held, in whole or in part by, or in the actual or constructive possession of, or otherwise held for the benefit of the XXXX XXXX XXXX XXXX XXXX XXXX Revocable Trust. The next link in the chain of collectors is XXXX XXXX. The documents supplied to Velocity for the purpose of collection were supplied by XXXX XXXX XXXX which is known for producing fraudulent documents to enhance the apparent value of a given portfolio. XXXX either knew or should have known that the paper they purchased had no actual value. Then XXXX XXXX sold the alleged debt to Convergent Outsourcing. Convergent may not be aware of the fraudulent history of the companies who supposedly purchased or created the debt originally, but they have been informed herein. Additionally, any attempt to collect on the debts promoted by this company, XXXX XXXX XXXX, could well be considered in violation of the estoppel court ordered by the U.S. District Court for the District of Maryland in XXXX. If so, then this attempt to collect on a fraudulent debt is in the furtherance felonious acts previously brought to and sustained by the U.S. District Court for the District of Maryland and may well be subject to Racketeer Influenced and Corrupt Organizations Act of 1970 ( RICO ). Considering RICO requires that four elements be present : a. A pattern of racketeering activity- SEC has proven various forms of fraud to secure money for the continuity of the enterprise. The sale of this alleged debt would have been for the continuation and continuity of the XXXX XXXX XXXX criminal enterprise. Thus, any entity further attempting to collect on said debt is contributing to the continuity of the previous criminal enterprise. b. A culpable person with the requisite mens rea or intent- Clearly XXXX XXXX XXXX intent is realistically demonstrated by forged signatures and documents and the culpable persons are named herein. Convergent now becomes a culpable entity in the criminal enterprise or organization. c. An enterprise - The enterprise is XXXX XXXX XXXX, XXXX. Et al now including Convergent Outsourcing. d. An effect on interstate commerce The attempt to collect this debt by Convergent Outsourcing has crossed state lines as Respondent is currently a resident of Georgia and was a resident of XXXX during the approximate time that this debt is alleged to have been incurred. Additionally, XXXX XXXX Management operated without regard to state lines as it fraudulently collected {$340.00} XXXX from 230 unsuspecting victims around the country. As previously noted, Convergent Outsourcing has not provided the Respondent with the documents proving the legitimacy of the debt. Convergent Outsourcing may be forced to disclose and is hereby warned not to destroy any documentation or electronic records regarding this or other debts it seeks to collect relevant to XXXX XXXX XXXX or other related entities. Pursuant to 18 U.S. Code 1968, Whenever the Attorney General has reason to believe that any person or enterprise may be in possession, custody, or control of any documentary materials relevant to a racketeering investigation, he may, prior to the institution of a civil or criminal proceeding thereon, issue in writing, and cause to be served upon such person, civil investigative demand requiring such person to produce such material for examination. Convergent Outsourcing may well be forced to provide the documents to the appropriate state and federal judiciaries, as well as other federal authorities including the Securities and Exchange Commission and the Consumer Financial Protection Bureau. As such, culpability may extend to Convergent Outsourcing pursuant to 18 U.S. Code 1006, by participating or sharing in or receiving any money, profit, property or benefits One may note the disclosure of to whom this document has been sent. It is this Respondents intent to expose to the Securities Exchange Commission, the Federal Trade Commission, the Department of Justice, as well as, the U. S. District Ct. District of Maryland and others, of the possibility of other entities attempts to circumvent the order of the court for the purpose of continuing to gain from and affirm the continuity of the fraudulent acts perpetrated by XXXX XXXX XXXX XXXX XXXX by default or with knowledge this is notice to all involved. The respondent respectfully requests that this correspondence be acknowledged in writing such that a record may be maintained for future references.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31721
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX said several times its impossible for pre paid phone to go into collections, I paid in full have recordings and app Im in great standing w XXXX and they said that these collections agencies are fake they looked up first one, not real and as to triple check things on my end they ran my Ss # to make sure no other things out standing w them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have been receiving daily or multiple times a day calls from Convergent Outsourcing , Inc . I was not able to determine who was calling me until today. When I began receiving the calls, from what is obviously a spiffed number and a non-existent area code, I called back to see who or what it was. I was asked, upon answering, if my name was XXXX someone. I replied no, and told them to stop calling my number. I told them I had no idea who the person you are trying to reach is. After stating this, I was immediately hung up on. I went through this three or more times over the next several months then stopped trying. The calls persisted once or twice a day and I even received one text. Today I answered the call and immediately asked to speak with a supervisor. I was instantly hung up on. I called back eight times asking for a manager or supervisor. I was variously told that he was in a meeting. He was unavailable. He would call me back if I provided my phone number. He would not speak to me unless I informed the agent what the reason for the call was, which when I provided it, resulted in being hung up on again. On call number 9, the agent who answered was a breath of fresh air acting professionally and putting me on hold to get a supervisor on the line. The supervisor was a woman named XXXX XXXX, Employee ID : XXXX. She addressed the issue professionally and assured me I would receive no more than two additional calls while the system removed me. Convergent Outsourcing violated my rights by continuing to call me repeatedly even after telling them multiple times they had the wrong number. When I called to correct them I was hung up on repeatedly. I want to file a claim for punitive damage. Can I do that at CFPB like I would be able to on the FTC website for unsolicited calls?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Convergent is in violation of 15 U.S. Code 1692e for false or misleading representation. Was told by a Convergent agent that I was paying for a delete upon paying agreed amount. Was told that account would be removed from my credit profile within 30 days. Account still reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I DISPUTE THIS DEBT!!!!!!!!!!!!!!!!!!!!!!!!!! Hello, I will make this as plain as I can. I have lived in XXXX Florida XXXX XXXX XXXX account. I would have sent you a certified letter return receipt requested asking for proof of this debt, but as we both know your company has a track record of not responding to them. Convergent Outsourcing inc., never sent me a bill or any notification of this debt. I am a victim of Identity Theft. I found out about this debt last night and today I filed a Police Report with the XXXX XXXX XXXX case number XXXX. I could also type out all the codes you are violating under the FCRA and the FTC and CFPB rules for Debt Collectors, but why bother you know them as well as I do. I expect any and all derogatory action to stop while you respond to this complaint. I want to see any and all paperwork about this account ( Verification of the Debt ). I want the address of the location that used the power, I want the date it was opened how long it was opened who had the contract before this fraud account, and the bank account or the credit card information for any and all payments. If the payments were made at a check cashing location I want video of the person who made the payments. This is not a game so please understand you are committing Libel and defaming my name and credit report. I know company 's like yours like to tell people you will take them to court, but in this case, that's not needed because if this doesn't go away if I don't get a letter from you apologizing for reporting this fraud account in my name I will be more then happy to take you to court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On or about XX/XX/2021 Convergent Outsourcing, Inc contacted me via dunning letter attempting to collect a debt, by assuming I owe a debt to XXXX XXXX XXXX ( Exhibit A attached ). On XX/XX/2021 I mailed a letter request that they validated the debt ( Exhibit B attached ). On or around the last week of XX/XX/2021 I received a package from Convergent Outsourcing, Inc with countless document associated with my credit file/report which I never gave them authorization to obtain. Convergent Outsourcing, Inc is in Violation 15 USC 1681q, 15 USC 1611 ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c, 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 14 ), 15 USC 1692f ( 1 ), 15 USC 1692g and 15 USC 1692j ( a ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A