Date Received: 2020-10-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: It is an old debt from the year 2008 XXXX card I have no collections in credit report in the last years for a total of XXXX not due XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, I am filing a compliant about a Debt Collections agency called Convergent Outsourcing. I had an old phone bill for XXXX sent to them. In a piece of mail and on their website they falsely claim to make a settlement for the amount owed. On their website they claimed if I made a payment for XXXX my debt would be cleared. It has still never cleared, when logging on to review my account with them it is asking for another amount to settle the account. I have XXXX screen shots attached below. I have also emailed them multiple times and never get a response. I would like to clear this off of my credit report as I plan to join the XXXX next year and can not have accounts in collections. thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I WAS TOLD SEVERAL TIMES BY SEVERAL XXXX EMPLOYEES THAT ONCE I PAID MY DEBT AFTER THIRTY DAYS IT WOULD BE REMOVED FROM MY CREDIT REPORT, HOWEVER IT IS STILL SHOWING UP ON MY REPORT. I SET UP DIRECT DEBIT FROM MY ACCOUNT BUT WAS NEVER TLD IT DIDNT GO THROUGH, DURING THIS TIME MY MOM DIED XX/XX/20, FROM XXXX FOLLOWED BY MY FATHER XX/XX/20 FROM XXXX RELATED AND OTHER ILLNESS, FINALLY MY SISTER DIED XX/XX/20. I WAS STRESSED OUT DURING THIS TIME CARING FOR MY SISTER AND HANDLING MY PARENTS AFFAIRS AS WELL AS BEING A XXXX XXXX WORKING IN THE XXXX. DURING THE HEIGHT OF COVID. HAVING THIS ITEM ON MY REPORT WHEN I WAS EXPLICITLY TOLD IT WOULD BE REMOVED NOT JUST REPORTED AS PAID HAS ADVERSELY AFFECTED FINANCIAL DECISIONS I AM TRYING TO MAKE. AGAIN I WA TOLD BY THREE AGENTS WITH XXXX THAT THIS ITEM WOULD BE REMOVED FROM MY CREDIT REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/2020, I was contacted by XXXX XXXX at Convergent Outsourcing regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. XX/XX/2020 XXXX Convergent Outsourcing XXXX Spoke w/ supervisor Spoke with Mr. XXXX, who identified himself as supervisor for Convergent Outsourcing. I explained to XXXX that during my conversation with a Convergent outsourcing Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. Mr. XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. XX/XX/2020 XXXX Called Convergent Outsourcing due to not hearing from Mr. XXXX yesterday. Spoke with representative who stated she will ask supervisor to call me as soon as possible. XX/XX/2020 XXXX Mr. XXXX called me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that Ms. XXXX neve r used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. I have disputed this account with all 3 major credit bureaus an d XXXX XXXX then updated the account to Charge Off. They refuse to remove this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We received a letter from Convergent dated XX/XX/2020 attempting to collect {$1100.00} for an apparent XXXX balance. We have not had a XXXX account in years and had a {$0.00} balance when we stopped using them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX and covert outsorcing both never followed up in the mail only calls after hours and that my credit would be ruined if i dont pay a debt thats not owned by me. I told them and they said they dont care. Im new in this country I would never ruin my relationship in america. someone took advantage of me and my family. XXXX rep said we cant understand your language go to school then call us. outsourcing rep only said we cant help you you must pay or your credit will be ruined and its on you if you get deported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07008
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I am writing this due to non compliance and falsifying documents with debt collection agency : Convergent Outsourcing inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX They have failed to provide me with sufficient information to prove I owe a debt of {$1700.00}. On XX/XX/2020 they mailed me a debt validation letter after i filed a dispute online. I also most importantly want to point out they are illegally using the symbol of pre sorted first class mail on the document they mailed to me to validate this debt. I have worked at the Post office for 10+ years and I know for a fact that pre sorted " PAID '' FIRST CLASS STAMPS '' are not supposed to be used on the bottom of billing statements. They are only supposed to be used on the outside of envelopes when mailing something through the Postal Service. I also stated this to them in a debt validation letter i sent them on XX/XX/2020. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I will also be reporting the company to the Postal Inspectors and Postmaster General.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I began the process of getting a mortgage in late 2019, I have no idea this collection was on my credit? I have mailed 5 bureau dispute letters requesting validation and proof this is my debt, plus I have mailed 3 direct letters to Convergent Outsource requesting factual proof, debt validation. I never received any response from Convergent? There is NO reported information on my XXXX report about this XXXX issue? I have uploaded all 3 letters mailed to Convergent Outsource with zero response from them!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40324
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX of 2020 I switched from metro PCs cellular phone service, to XXXX XXXX. I was unhappy with the coverage/service and was not getting the promised speeds/coverage. On the XXXX of XXXX I called to cancel my service and ported each of my numbers over to XXXX XXXX. The representative I spoke to on that day informed me that my account will be closed and I will not receive another bill. Everything as far as XXXX is concerned, was done. Or so I thought. My credit card got automatically billed by XXXX on the XXXX of XXXX. I called that day and they told me Id have to wait 30 days! I waited 30 days and nothing changed. No one gave me my money back and I had to get a new card to they would stop charging me. Mind you there are no active lines or numbers at this point 4 weeks later. So Im not sure why or how they are billing me. Now on the XXXX of XXXX I received a debt collection notice from a different company other then XXXX. They just sent me to collections for a month that I never had service! Im so frustrated, especially with the times, I dont have a lot of money and every dollar is important to me. No one from XXXX has been able to help me, not even close. And now my credit is in jeopardy. The one thing keeping me alive. Please help me, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: this is my second letter to convergent outsourcing,XX/XX/2020 and XX/XX/2020 and they have not responded to neither letter or given me the information that i requested. Please assist me in this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70114
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A