Date Received: 2020-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I keep getting collection notices in the mail from a company called CONVERGENT who claims they are authorized on behalf of XXXX to collect a debt owed to them. I never had a XXXX account, and I just called them to confirm that no one else has created a bogus account with my info- They said I would have have received collection notices first from XXXX themselves, and they also said they have never even heard of this company, CONVERGENT. I am weary about calling CONVERGENT myself to dispute their false claim, b/c I suspect they are a fraudulent company, so I'm not going to call them and give them any more of my personal info. I have tried to report them to the XXXX, but b/c they are a non-accredited business, the XXXX can not take any further action besides lodging my complaint. I've read other bad things about this company, CONVERGENT, sending out bogus collection notices, and some people even claim they affected their credit history negatively. So I'm reaching out now to the CFPB to make you aware that this company is fraudulently reporting false debt owed by me to XXXX when none exists. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX XXXX XXXX, I received a letter dated XXXX XXXX XXXX from Convergent Outsourcing attempting to collect a dept totaling {$440.00} for the creditor XXXX. I have never used XXXX 's services, and had not previously heard of the company. The debt breaks down as follows : {$210.00} Equipment fee, and XXXX service fee. I called Convergent Outsourcing on XXXX XXXX XXXX to inquire about the debt and was informed that XXXX is a cable service provider. Convergent informed me that XXXX provided service to an account opened in my name, using my social security number, to the address of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. Service ended XXXX XXXX XXXX and Convergent Outsourcing was contacted to collect the debt. I have never lived in NY, nor have I ever had any business at the aforementioned address, nor have I corresponded with XXXX to provide service. I informed the Convergent Outsourcing representative of this and that the debt was the result of fraudulent activity. The representative then agreed to mail me a fraud package to complete and return to Convergent Outsourcing. After contacting the collection agency, I contacted XXXX on XXXX XXXX XXXX and was told that the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. The representative informed me XXXX would wave the {$210.00} equipment fee, and contact Convergent Outsourcing, but I have not yet seen evidence of this. XXXX refused to wave the {$230.00} service fee. On XXXX XXXX XXXX, I contacted XXXX, an identity monitoring service that I use. XXXX XXXX recommended I call the three credit bureaus to freeze my credit, which I did that same day. I'm currently working with a credit restoration specialist from XXXX provided by XXXX. The credit restoration specialist has opened an investigation into the matter and will be contacting Convergent Outsourcing on my behalf. On XXXX XXXX XXXX, the credit restoration specialist recommended I file a complaint with the Federal Trade Commission via their website. The FTC site then directed me to the Consumer Finance website to finalize the form.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I disputed this account with Convergent Outsourcing and the validation they sent me, was not what I requested, and falls woefully short of the required documentation as required by the law. They have continued to autodial my cellphone despite being asked not to, and they didn't validate the debt properly! Help me please!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I am a federally protected consumer and Convergent Outsourcing Inc. has violated me under the provisions of 15 USC 1692. Please review attached documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Collection agency Convergent Outsourcing is reporting to my credit report a collection ( XXXX ) that charged off more than 7 years ago, past the statute of limitations for credit reporting. I have informed Convergent Outsourcing that this collection is older than 7 years and that they must delete it but they have refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90620
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I paid off a debt from XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX. Paid by money order {$320.00} by certified mail, received from XXXX letter stating paid in full, everything fine, On XX/XX/XXXX, I received a letter this time from Convergent Outsourcing/XXXX XXXX XXXX stating I owe the amount but if I pay half. That constitutes Mail Fraud under 18 USC 940 ( section 1341 ) I made all copies of all my documents back from XXXX including certified letter, and money order to Convergence. In addition, I contacted the original collections, XXXX who stated " everything was paid off years ago, creditor notified ''. This is a scam and needs to be investigated. How many people pay off their debts, forget about it than get a letter saying if you pay half? This is deception in it's purest form and constitutes the legal basis of fraud. This agency and the FTC needs to investigate immediately and shut these operations down. I have these companies ( 14 ) days to correct their activities otherwise I will file in a California Superior Court. In addition, will file a complaint with the California Attorney Generals Office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92026
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was paying off a utility/Electric Co, XXXX on a monthly basis. The balance was {$85.00}. It was reported and turned over to XXXX XXXX XXXX in the amount of {$120.00}. Then to another Collection Co also. I called XXXX and the tild me not to pay them, but to pay XXXX. I did. I paid XXXX {$110.00}. It took me 2 mo 's and 5 calls to get a paid receipt from XXXX. The paid receipt shows account paid at {$110.00} to XXXX only. Not XXXX XXXX also. My account was to XXXX only. Now XXXX or XXXX won't confirm the payment to XXXX or XXXX. The account has beed paid in Full. I have a Receipt. This must be removed from my Credit report please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I have been harassed by this company for a while concerning a debt that I am not liable for. I have not signed a contract or given them the permission to obtain my place of residence or my contact information in which they continue to frequently harass me. They called repeatedly at inconvenient times in which I have told them numerous times to stop.To my understating as a consumer they have broken the consumer laws found in 15 USC 1692.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have been harrassed by Convergent by phone calls from multiple numbers after telling them I have not been employed for almost 4 months and haven't been approved for unemployment benefits since the XXXX of XXXX and that I would contact them when I would be able to set up any type of payment arrangements. They will not leave a voicemail stating the company 's name and to in which why they were calling. I have blocked many numbers due to the many multiple calls from varying numbers. I am not satisfied with the manner in which they conduct their business. This is blatent harassment!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Everyday other day I receive a called since XXXX XXXX from CONVERGENT OUTSOURCING this is a account that doesnt belong to me I provided them My police report advising that the account was opened and does not belong to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A