Date Received: 2020-02-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX I received an ALERT from XXXX. I immediately signed on to my account to verify information from the alert, There was a collection from Convergent Outsourcing for a XXXX account from XX/XX/XXXX.I contacted Convergent at that time to ask why hadn't I received a notice from them before reporting to the Credit Bureaus. Upon talking to XXXX the Convergent Rept. I learned a letter was mailed out, so I asked what address did she mail it to, at that point she gave me the wrong address so then I told her I would contact XXXX for further investigation and I mentioned to her I would dispute this account due to those reasons. Well XXXX decided to report my account AGAIN days later and added the comment that I disputed it which was UNTRUE as of today I have NOT disputed anything.I also mentioned to her there are Rules and Rights before taking matters into your own hands. In XX/XX/XXXX I had 2 XXXX, 2 cell phones and 2 watches. Due to the High Prices XXXX was charging I was able to get a lower price at XXXX XXXX XXXX. I upgraded my devices when I did the switch. Being in a contract with XXXX for 2 years those devices should have been paid off actually. On XX/XX/XXXX I contacted XXXX to update my email and mailing address, Just in case I did have a balance and they could forward me the balance. According to what is was if I was able to pay out right I would have if not I could have made payment arrangements.Anything to save the headache of damaging my credit. after contacting XXXX I was notified no one had updated my information in XX/XX/XXXX, In other words I have to pay for their mistakes. There is something suspicious about the whole situation Ms XXXX the collections supervisor from XXXX has been constantly contacting me trying to get me to go to XXXX and update my information so that it can look as if they already had my updated information, when I asked her what address did she send my final bill to AGAIN that was the wrong address so in other words I never received a final bill from XXXX. So I assumed I was paid up, now that it was a my Statue Of Limitations they decided to send it to a collection agency. I even asked XXXX from Convergent to REMOVE this off my credit report and XXXX the collection agency to remove this from my credit report and own up to their mistakes. I will accept their apology work out a payment plan from her on out and move forward. But this has to be in an email to me and removed first. I did mention I would report this to CFPB and my Local Attorney general 's Office if not resolved in 30 days. Attached is where XXXX and Convergent is ALERTING on this account constantly meaning 2 times in the SAME month which is ILLEGAL and needs to be investigated every time there is a reporting my score drops before CONVERGENT my score was XXXX XXXX now I'm at a XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I opened* an account with XXXX XXXX in an attempt to switch cellular providers. After receiving the first billing overview, and per the Device Payment Agreement Terms, it is the borrowers right to cancel within fourteen ( 14 ) days. In exercise of this right I decided to cancel* the XXXX XXXX XXXX on XX/XX/XXXX because the billing charges did not match the information advertised military rates when I signed up. I placed a call to XXXX ( XXXX ) to confirm if the charges were accurate ; spending twenty-five minutes on the line ( attachment D ). I returned the three devices, and was refunded the {$800.00} that I paid towards the devices. The {$800.00} refund* posted my credit card on XX/XX/XXXX. I received a phone call* from a XXXX XXXX ( XXXX ) representative questioning why I have not used the phone lines that I established ; he was advised that the lines were cancelled. In a letter dated XX/XX/XXXX from XXXX XXXX states, Our records show you have not used the line/s you recently activated*. I then received another bill* from XXXX identifying each phone number as being cancelled, yet they were still charging me unused service which I cancelled on XX/XX/XXXX, in the amount of {$420.00}, and an additional {$1000.00} for devices that I returned on XX/XX/XXXX. In response to a letter* dated XX/XX/XXXX I called XXXX XXXX XXXX XX/XX/XXXX at XXXX ( 22min ) ; XXXX at XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX at XXXX. This letter threatened to send my supposedly closed account to collections. I spoke with several people XXXX ( XXXX ), XXXX, XXXX and others to resolve this error because the account was closed on XX/XX/XXXX. On XX/XX/XXXX I opened* an account with XXXX XXXX in an attempt to switch cellular providers. After receiving the first billing overview, and per the Device Payment Agreement Terms, it is the borrowers right to cancel within fourteen ( 14 ) days. In exercise of this right I decided to cancel* the XXXX XXXX XXXX on XX/XX/XXXX because the billing charges did not match the information advertised military rates when I signed up. I placed a call to XXXX ( XXXX ) to confirm if the charges were accurate ; spending twenty-five minutes on the line ( attachment D ). I returned the three devices, and was refunded the {$800.00} that I paid towards the devices. The {$800.00} refund* posted my credit card on XX/XX/XXXX. I received a phone call* from a XXXX XXXX ( XXXX ) representative questioning why I have not used the phone lines that I established ; he was advised that the lines were cancelled. In a letter dated XX/XX/XXXX from XXXX XXXX states, Our records show you have not used the line/s you recently activated*. I then received another bill* from XXXX identifying each phone number as being cancelled, yet they were still charging me unused service which I cancelled on XX/XX/XXXX, in the amount of {$420.00}, and an additional {$1000.00} for devices that I returned on XX/XX/XXXX. In response to a letter* dated XX/XX/XXXX I called XXXX XXXX on XX/XX/XXXX at XXXX ( 22min ) ; XXXX at XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX at XXXX. This letter threatened to send my supposedly closed account to collections. I spoke with several people XXXX ( XXXX ), XXXX, XXXX and others to resolve this error because the account was closed on XX/XX/XXXX. I also spoke with Convergent and XXXX on XX/XX/XXXX and provided a copy of my documentation to the email provided to me by Mr. XXXX XXXX ( XXXX ). Since this communication I have received a letter from Convergent dated XX/XX/XXXX. XXXX notifying me of their attempt to collect a debt in the amount of {$1400.00} on behalf of XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I PAID OFF DEBT FROM XXXX AND CONVERGENT OUTSOURCING REMOVED IT IN XXXX FROM THE CREDIT BUREAUS. they just place id back on my account 0n XX/XX/XXXX. I can not refinance my house at this time because of that, I need this resolved asap XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX bill collection agency Covergent Outsourcing were paid by me with a settlement payment XX/XX/2019. Im requesting for them to remove the collection delinquency off my credit report on all three credit bureau XXXX, XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/XXXX Convergent Outsourcing called me from a XXXX local number asking me for a Mr. XXXX, I told him that this was not Mr XXXX 's number, He was a past client, he no longer was and to please remove my number from there list, which they said they were. However, again on XX/XX/XXXX, They called me again asking for Mr XXXX again, Convergent Outsourcing kept calling my personal number to ask for someone else, I have also filed a law suit against them, but Convergent believes its ok to keep calling consumers even when you tell them not to call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11554
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I see an item reported to collections and I don't know why this is showing on my credit as I haven't had an account with this company and don't know who this company is
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44224
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Convergent Outsourcing Incorporated has been relentlessly harassing me with debt collection phone calls for the past few months. They have been using deceptive tactics to harass me such as using an VOIP number to spoof the local area code of the harassment victims number. Also when questioned, they will not divulge they are a collection agency on the phone.I would like to sue Convergent Outsourcing Inc. for the maximum {$1500.00} per harassing phone call made to this number. They are attempting to trick me into making a payment on old zombie debt years passed the Statute Of Limitations in order to reset the SOL making old zombie debt legally actionable again. I am aware of my rights and the laws regarding debt past the Statute Of Limitation and I WILL NOT be making any payments now or ever on old zombie debt past the SOL. I am requesting that Convergent Outsourcing Incorporated Cease and desist any and all attempt to contact me again or make any further collection attempts on the account associated with the phone number listed above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: When reviewing my credit report I discovered that this company " Convergent Outsourcing '' illegally re-inserted a XXXX collection account to my credit file in the amount of {$1000.00}. Per FCRA requirements listed below, I am supposed to be notified within 5 days of re-inserting a previously deleted item and as of XX/XX/2020 I still haven't received the required notification. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Also, I have never done business with Convergent Outsourcing. I don't have a signed contract nor any other type of contract with Convergent Outsourcing I have the right to demand to see a signed contract between myself and this company as well as validation ( not verification ) of this debt. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and Convergent Outsourcing and complete validation of the debt pursuant to FDCPA. Lastly, this account was illegally re-aged once the alleged debt was placed back on my credit report. Per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: An old XXXX XXXX account was sold to a collection agency. i settled the debt with the collection agency on behalf of XXXX XXXX. They refuse to update the account to reflect as paid and closed. They are still reporting that I owe money on the account when I do not. i paid them on XX/XX/2020 and I would like my information to be updated with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/12 FRAUDULENT ACCOUNT ACTIVITY {$820.00} XXXX XXXX XXXX/ XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A