Date Received: 2020-02-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: CONVERGENT OUTSOURCING ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2020 I spoke with XXXX to confirm that I do not owe them this money and they agreed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern I am being harassed by debit collectors for an amount of money I don't owe to XXXX XXXX. XXXX USD Collector name : Convergent and previous collector name is XXXX XXXX XXXX Timeline : *I previously used to live in XXXX- XXXX and had internet service provided to my by XXXX ( only Wifi, no equipment, cable or installation ). *In XX/XX/XXXX I left my apartment in XXXX and moved to XXXX- XXXX. Before leaving my previous residence I called XXXX and disconnected my internet service. I moved out of my apartment on that day and made sure that my internet got disconnected through my online account. XXXX employees I spoke to later confirmed that the internet was disconnected on that day *I was under no contract when I disconnected my service on XX/XX/XXXX. I was paying XXXX USD a month for a speed that cost me XXXX USD a month before my contract expired many months prior to me moving out. The reason I didn't renew my contract that year is because I knew that I will be moving out of my apartment on XX/XX/XXXX *I was not aware of any issues until XX/XX/XXXX when I received a bill in the from XXXX stating that I owe them membership dues + late fees to a total of {$180.00} despite the fact that the internet has been disconnected since XX/XX/XXXX. I also was not under ANY legally binding contract since my contract expired months prior. The internet got disconnected but the bills kept coming without my knowledge! *I spent hours holding on the phone and trying to beat XXXX annoying automated phone maze. Every time I call them and when someone finally replies they would tell me that a person from their financial department will reach out to me but no one ever did. This predatory behavior has caused me a lot of distress *I was contacted first by a creditor XXXX and after spending an hour with them on the phone explaining the situation, the issue was resolved a while later and the account was closed. I can provide you with the account number and all the details to verify that by yourself *XXXX has now sold the debt to another creditor called Convergent who are now harassing me by wanting me to pay the amount mentioned above. I wonder how many times do I have to repeat this story. I am getting tired of this. *Please note that my credit score is +780 and that I have never missed a payment in my life. This is a matter of principal to me and I won't allow XXXX to bully me like this. Thank you very much for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53202
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I was threatened for non payment of XXXX debt from identity theft. Convergent Outsourcing Inc. called me and threated to put me in jail if I don't make payment! They have also never responded to my dispute letter or other ways to contact them its been over 45 days now..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello, I received a letter from Covergent in XX/XX/2020 stating that I owe a debt to XXXX XXXX XXXX , XXXX in the amount of {$16.00}, XXXX and they are will to reduce the balance to {$4200.00}. It says the original creditor was XXXX XXXX XXXX XXXX. I researched all three company 's and to no avail I'm still not confident this isn't a scam. The letter doesn't disclose the type of debt and what it is for i.e, car loan, cellphone account ect. Very limited information given but they want my credit card information. Seemed fraudulent because I don't owe a debt to anyone. I called to get more information and was asked for my name, address and social security number. I refused and they hung up. Please report Convergent, XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had an account with XXXX XXXX for internet. I closed this account XX/XX/XXXX. At that time I was advised that there would be no additional charges. I then started receiving emails, telling me that a payment of {$66.00} was due, but showing that nothing was due. Sometime around the end of XXXX, XXXX XXXX sent to me to collections, with a company called Convergent. I received a letter from Convergent XX/XX/XXXX, stating that they were authorized to give me payment options, one of these options was to pay {$49.00}, and the account would be considered paid in full. I mailed out a check in the amount of {$49.00} on XX/XX/XXXX, to the address listed on their letter, and with the payment stub that they sent. I then get notification from XXXX for the additional {$16.00}. When I called Convergent this morning ( XX/XX/XXXX ) i was advised that my account was no longer active with them, and that they couldn't help me. That because I sent the payment directly to XXXX and the letter was just sent to me to get me to pay, that XXXX really hadn't authorized this short payment, that they could not help me, that i would need to speak with XXXX directly. When I asked them why they told me to send the payment to XXXX, she said because that is where it was to have been sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I received a debt collection letter from Convergent Outsourcing , Inc. based out of XXXX, WA, said that I owed {$4600.00} -- and this debt was coming from XXXX XXXX, XXXX. Convergent Outsourcing, Inc said " Our client has advised us they are willing to accept 35 % of your total balance ... your reduced amount would be {$1600.00}. '' The original creditor according to the letter is XXXX XXXX. I wrote a letter disputing this debt on XX/XX/XXXX. I am complaining because I PAID THIS DEBT back in XX/XX/XXXX ( more than 10 YEARS AGO ) for a settled amount of {$1400.00}. Any guesses to how and why this is happening?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a letter from Convergent stating they were willing to settle a debt for {$300.00}. XXXX from XXXX XXXX XXXX XXXX. I have never had an account with XXXX and double checked my credit report to ensure there were no new accounts opened in my name. The original balance supposedly owed is {$880.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 571XX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX got a letter from Convergent Outsourcing-XXXX claiming I had joined a XXXX XXXX in XXXX XXXX, Nevada in XX/XX/XXXX and didnt pay the contract-but if i pay {$250.00} it would satisfy the judgement.The original balance was {$1000.00}. But they would settle for {$250.00}. This was from XXXX XXXX XXXX , XXXX. I actually have never considered joining a XXXX XXXX because of their high prices and arrogant/snobby people that usually go in there. Had i ever joined that gym i surely would pay for it. I have lived in Idaho since XX/XX/XXXX and can prove it.I have perfect credit. This is a clear fraudulent claim/mistaken identity.This gym was in XXXX XXXX, Nevada.I have lived XXXX Idaho for 31 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: received a letter in the mail from Convergent Outsourcing , Inc. for a reduced balance amount. Creditor listed as XXXX XXXX XXXX, XXXX. Original creditor listed and XXXX XXXX XXXX and I have never had XXXX. I called Convergent and they wanted me to confirm my information and I refused. My next step is to contact the original creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55428
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A