Date Received: 2021-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Electric bill XXXX From XXXX XXXX account number XXXX Never lived at address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have not supplied proof the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A phone debt that was not owned by me. Phone debt was discharged by XXXX, then sold to collection months later. I have been fighting this for the last 5 years. I was assured by XXXX that the debt had been discharged and the account closed. Obviously a lie. The debt was then sold to Convergent, a collection agency I believe owned by XXXX. They are located in XXXX Wa. I am located in XXXX MN. Collection agency claims I owe them {$200.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55411
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43613
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Hello so I am being charged for a XXXX bill for phones I bought around XXXX. I asked for XXXX to close the account and I believe they did they closed everything. I do not owe or have to pay anything as the account was closed and I keep getting harassed by the debt collector.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter of a alleged collection of a debt I did not own nor authorize, nor sign any documentation hereto ... Convergent Outsourcing INc, contacted me in representation of XXXX XXXX another 3rd party collection company, that purchased from XXXX XXXX XXXX XXXX ... in representation of XXXX that discharged and charge off of a account I did not authorize, nor owe ... complete fraud on their parts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: During my time with XXXX my bill was normal in the beginning and it steadily started to increase. By XXXX of 2020 my bill was approximately {$820.00} with {$170.00} in unauthorized data boost charges. By XXXX the bill total was {$630.00} with an additional {$380.00} in, again, unauthorized data boost. XXXX bill was {$1000.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$330.00} in data boost. XXXX bill was {$1500.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$800.00} in data boost. XXXX had a bill total of {$1900.00} with {$380.00}. XXXX bill was {$1800.00} with no data boost and that is when I closed my XXXX account. Now, the final amount has risen to {$2400.00}. These data boost make up more than half of the amount owed. These data boost were unauthorized charges on my account and I received no documentation about these until they appeared on my bill every month. I called XXXX multiple times a month about these data boost charges and not once were they able to help me or even remotely fix the issue. I have copies of my bills as needed and every email I received from XXXX. XXXX carelessly took large amounts of money from me and are now trying to take even more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Convergent Outsourcing INC is reporting a debt for {$1500.00}. I have no knowledge of this account and never received a phone nor proof of this debt and every thirty days this company is reporting to my account. Ive sent a letter to have alleged debt validated and received no response. Its been over 3 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: About mid XX/XX/2021 I received a letter in the mail stating if I paid them a reduced price then the debt would be considered paid off and would be settled. I arranged for payment and was paid for deletion. It has now been 2 months and it is still reporting on my XXXX credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49316
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid XXXX directly. By law, they must recall the account from Convergent Outsourcing. They have no legal reason to report on my credit reports and must delete.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A