Date Received: 2020-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Convergent Outsourcing INC, was PAID IN FULL by Cashier 's Check with a letter of agreement to report to three credit bureaus. I also submitted a letter that indicated that if the cashiers check was cashed then the company agreed to update credit file within 30 days. Convergent has NOT updated my credit file and it has been over 90 days since they have received the FULL PAYMENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated calls. Ive attempted to settle with no resolution to remove from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2020-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I wish for the company to fully verify this debt with all original documents from the original creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I disputed this alleged XXXX account with Convergent Outsourcing on a few separate occasions. All that was sent to me was a copy of a final bill. This does not prove anything regarding the validity of this debt per the FCRA and FDCPA. I have sent numerous letters and the company will not respond. The information across XXXX and XXXX vastly differs in certain areas like the date of last activity, status, date reported, etc. I provided undeniable evidence to the company who has not responded and refuses to correct the mistakes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34476
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Convergent Outsourcing, Inc. claims that I owe {$550.00} for XXXX XXXX XXXX XXXX XXXX. I have not received any documentation from the original creditor that proves I owe this amount. I have not lived in XXXX for over 3 years. I believe this amount is inflated. I have written to them to ask for proof of documentation and to cease any communication with me about this debt. This debt collector recently called me to harass me about this incorrect amount. I will complain about them to the Attorney General of XXXX if they do not cease collections and take it off my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I provided my records where my lawyer paid. The company continued to collect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I sent a letter to the collection agency on XXXX the XXXX, 2020 asking for a Validation of the debt. Its been over 30 days and I have not received and Validation from them. I want this removed from my credit report I have no knowledge of such debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I discovered not too long ago online that two debt collectors have been sending claims that I have a debt, which I do not owe, for XXXX and XXXX respectively. I have made attempts to rectify this but to no avail. In regards to XXXX, around XXXX I had a phone bill for a phone and tablet under contract that I was very dissatisfied with due to my bill being far above what I was initially told it would be and was assured repeatedly that it would go down to the amount I was promised for the service provided. It never happened, I became overly stressed due to it. I asked how much a full and final pay would be and as soon as I was able I demanded for my contracts, services, account, all of it to be cancelled/deleted as with the final bill amount I was given and then paid I had no intention or desire to return to a service that gave me a traumatic experience by constantly lying to me and increasing my bill superfluously. With the service paid off I believed myself free of them until a short time later I received a debt collector 's letter on behalf of XXXX. I called them about it to remind them of my payment, I was assured the issue would be dealt with so I kept it out of mind when I heard no more about it. Then in XXXX XXXX, despite the fact that I have no dealings with them and my card had changed since my last transaction with them, had somehow managed to charge my account for over {$1000.00}. I made sure to despute it but I was never given an explanation for the attempted theft. In XXXX I started learning more about being aware of my " credit '' and discovered that XXXX had a claim that I owed them almost {$200.00}. Which I don't understand how this was possible or even allowed to this day. I disputed it when I learned I could do that. But, unfortunately it appears to have done nothing, just as talking to XXXX had done nothing those years ago. I even received a letter from the collector claiming the debt is valid when it is in fact NOT and never was to begin with. The second debt collector is a far more recent happenstance but I fear they are attempting to pull a " XXXX '' on me with the lack of results I've had with them. I had to cancel my service with XXXX due to financial problems that resulted in a need to move. In XX/XX/XXXX I received a collection notice in the mail and went to their nearest building in hopes of getting my fees settled directly. I was instructed to call a XXXX company number by an employee and did so the very next day. I did a full and final pay and was assured, just like with XXXX, that I would no longer have to worry about the collectors and to just ignore them as they take care of it on their end. The collectors for XXXX are still claiming I owe money, I have attempted to dispute them twice now with no results. And unlike with XXXX I actually know where my confirmation number of final payment is for them right now. My attempts to call XXXX has been futile as everytime the automated voice refuses to actually transfer me to an actual person and will just hang up on me, usually right after telling me to login online to speak to someone. This is the next action I've learned I could take since the others did not produce results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A