Date Received: 2019-08-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Was never contacted by XXXX of my collection. This collection is five years old i am trying in good faith to resolve this issue but i was never contacted. They are saying i owe then a rediculius amount of money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Convergent Debt Collectors called about an XXXX XXXX account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company Convergent Outsourcing, I sent them a letter stating that the information on my Credit Report. They in turn sent me a letter stating that they do not have an account for me. I sent a copy of that letter to the Credit Bureaus and the incorrect information is still on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent XXXX LETTERS ON:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXasking to verify this information that shows on my credit reportAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.as well as unknown inquiresnot once have they verified anything even CONVERGENT OUTSOURCING SENT ME A LETTER STATING THEY WILL DELETE THE ACCOUNT BECAUSE IT DOES NOT BELONG TO ME, YET XXXX STILL REPORTS AS WELL AS OTHER ACCOUNTS THAT WERE NEVER VERIFIED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2019-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine. I would like to have these resolved and removed.
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: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The original company is XXXX I don't owe them any money. They also sent letters to an address that is not mine. and once I received notification from Convergent Outsourcing I contacted them about the debt. When I spoke with the XXXX representative the person told me that she could not access my old account to even provide me with any information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49022
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled the debt with XXXX in an authorized XXXX store in the city of XXXX XXXX Mi, XXXX back in XX/XX/2019. The XXXX representative told me that they would contact Convergent and it would be removed from my credit report within 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49022
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This is regarding a debt that Convergent Outsourcing Inc. in XXXX Washington XXXX sent to my XXXX year old mother she says she don't know what it is they say maybe debt fromXX/XX/XXXX XXXX?? not clear. acct # XXXX. in amount of XXXX. They sent this to her on XX/XX/XXXX and after seeing this scompany on many scam reports we have donr nothing but contact you and XXXX because there is nothing about this on her credit report. And we also placed a fraud alert on her credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2019-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a letter from Convergent Outsourcing Inc. stating that XXXX XXXX. has reported that i owe them a past due negative balance of $XXXX. The letter states that payment of this amount must be received to their office in 60 days, and that they were willing to accept partial payment of $XXXX. It reads: "If you accept this offer, our client will cease further collection efforts. Please note that acceptance of this partial payment offer will not reinstate your account with XXXX and the remainder of the negative balance will remain on your XXXX account."I quickly called Convergent and asked to speak to a rep. I was put on hold and then sent straight to a voicemail. After, I called XXXX to confirm that this information was incorrect. I let them know I rarely ever use my XXXX account and this could not be possible. The XXXX rep asked me if i have a XXXX XXXX XXXX, which I do not. He said that would be the only way XXXX would ever contact me about any money owed to them, by mail. He confirmed that my account is NOT in a negative standing, and also that there is a small balance on it. I asked him to please email me my statements, and he emailed me statements from XXXX 2019 - XXXX 2019. After reviewing these statements, no where on any of them does it show a negative balance, nor have i ever received any emails, mail, phone calls, etc from XXXX indicating that this information is accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60506
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I filed a dispute using XXXX XXXX with sprint/ convergent outsourcing over 30 days ago with no response. I asked for original documents and valid dates and i have gotten nothing. I spoke to 2 different ppl today 1 could not find this debt using my social security number. Then hangs up I call back second time manager comes on and poof debt is found and according to them they have now located the information and have proof but never gave it to me. I would like to get this removed off my report. they did not fulfill my request in a timely manner nor have they provided any proof via email that they have on file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A