Date Received: 2019-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX is trying to collect an old debt not owed. XXXX charged me for an extra month of television service that I did not receive. I had already cancelled the account where I was an excellent customer for two decades with XXXX and its predecessor XXXX XXXX. The amount involved is {$100.00}. XXXX is reporting this amount to XXXX and XXXX keeps reporting it on my credit report and neither XXXX nor XXXX will listen to me and remove it. I am over XXXX years old and though this may seem a small amount to some, it is a large amount to a senior on a fixed income. XXXX has been abusive to me in phone calls and has been extremely abusive when I have talked to XXXX 's corporate office located in XXXX. I am also a victim of the XXXX Data Breach so you would think XXXX would be responsive to false reports on my XXXX Credit Report, but they are not. Both firms think because I am a little old lady I don't count and their employees can be abusive and push me around because they work for large firms and are not accountable to anyone. This money is NOT OWED, and THIS DISPUTE IS OVER SEVEN YEARS OLD, but every time XXXX sells this account to yet another collection agency, XXXX reports a much later date for this false debt. Now it is being reported as just having been incurred in XX/XX/2019, when in fact goes back over 7 calendar years ago! XXXX, please remove this false debt from all three credit bureau reports. XX/XX/XXXX and XX/XX/XXXX have already removed it, but XX/XX/XXXX continues to torture me and refuses to remove it. I have talked to lawyers who are ready to sue XX/XX/XXXX and also XXXX in a class action suit over this with many other plaintiffs involved, not just me. I want this XXXX collection account immediately removed from my credit reports from XX/XX/XXXX, the only credit bureau still reporting this false information. Thank you to the Federal Government for your help with this! It seems as if you are the only one who cares about the little people. PS Both XX/XX/XXXX and XX/XX/XXXX have already investigated this and removed it from my credit report, while XX/XX/XXXX where I am a victim of their data breach, refuses to remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent Outsourcing emailed me claiming I owe {$330.00} from a company I do not recall having an account with and then immediately wanted me to pay a much smaller lump sum. Trying to contact C.O. they wanted all of my private info ( SSN etc ) before even speaking about my account. I had a weird feeling about being emailed about this collections account and that it doesnt show on my credit report. After doing some research learned similar situations were found to be scams. Wanted to file a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55901
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recieved a notice to collect a debt on behalf on XXXX XXXX from Convergent, I responed to the inquiry for validation of the debt, I recieved nothing and on XX/XX/2019 the said above company placed a collection on my credit report without validation debt or responding to me about said deby, I called to rectify problem but was met with no solution, this unlawful collection is no putting my job at risk and needs to be removed and deleted from all 3 credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75063
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I refer to the CONDITIONAL ACCEPTANCE package dated on XX/XX/2019, Certified Mail XXXX XXXX XXXX XXXX XXXX requesting original WET INK contract from Convergent Outsourcing. Please be advised that Convergent Outsourcing did not answer my requests point by point as required by law. Convergent Outsourcing did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. Convergent Outsourcing did not stipulate whether or not you were the holder in due course. Convergent Outsourcing did not stipulate whether this loan was securitized as required by law. Therefore, Convergent Outsourcing admits to the following : 1. Convergent Outsourcing is not a real party of interest in this controversy. 2. Convergent Outsourcing are a debt collector and not the original creditor. 3. Convergent Outsourcing not having full and complete records of the alleged account. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: CONVERGENT OUTSOURCING, INC. continues to try to collect on two accounts that were discharged under my Chapter XXXX bankruptcy. The credit bureaus continue to remove these debts and somehow CONVERGENT OUTSOURCING, INC. is able to report them again. I have had to contact the credit bureaus on 4 separate occasions to remove these debts. Further, CONVERGENT OUTSOURCING, INC. continues to attempt to call me, including calling my place of business, as well as sending weekly letters to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85303
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have debt collectors requesting payment me as a result of identity theft : - Convergent Outsourcing Inc - ACC # XXXX - BALANCE - {$3200.00} - OPENED XX/XX/19
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter from Convergent Outsourcing inc, on behalf of XXXX XXXX XXXX. Based on the information by convergent this account was opened without my knowledge from XX/XX/XXXX-XXXX. This account was opened fraudulently, I don't have knowledge of the transactions made. I am train to open a fraud/identity theft report as well as ftc number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was never mine. Never had XXXX in my entire. It is a result of an Identity Theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
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 {$260.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 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: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Its funny that a company that I have been with since XX/XX/2002, and am still a customer they have me as I owe XXXX XXXX dollars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A