Date Received: 2019-08-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello I wanted to filed a complaint Against Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, wa, XXXX. I wanted to start off to say that this was not the original creditor of my debt. In XXXXXX/XX/XXXXthis debt went into collections. I hired a credit repair company and the debt of {$1000.00} came off my credit because of inaccuracies in regards to the debts amount being inaccurate. In XX/XX/XXXXConvergent outsourcing buys the debt and starts to send me letters in regards to the debt. I told them verbally that the amount of the debt they are asking is incorrect. I only made 1 verbal contact with the company. Last year Convergent outsourcing started to report the debt to my credit. There are two problems here # 1. Convergent outsourcing started to re-report the old debt with the incorrect balance. # 2 in efforts to collect this debt they also reported a bogus delinquency date to make it look as though this debt was new. I disputed and disputed and they are still making claims that this debt is valid. When I asked for them to provide paperwork on the debt showing that I owed {$1000.00} they sent me a letter with supporting documentation totaling {$150.00}. I wrote them a letter to report the correct information to my credit and still I receive no valid information. I think that Convergent outsourcing is buying old debt account and placing them on peoples credit like they are new accounts in order to allow them 7 years to collect even though they are purchasing accounts that are 4 years old. At the time they put the debt on my credit it was 4 years old and they reported as new. Please look into this company. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80228
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello,I would like to dispute a convergent collection for XXXX XXXX XXXX. I have tried to dispute it with XXXX XXXX XXXX, Convergent, XXXX and somehow the collection still remains. A balance of XXXX$ remains for the billing period XX/XX/2018-XX/XX/2018. I moved out of by XX/XX/2018.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77015
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Letter received from Convergent outsourcing on XX/XX/2019 for collection of debt of {$71.00}. Contacted XXXX on XX/XX/2019 XXXX confirmed that the account is not in my name or associated with my email address. Contacted Convergent outsourcing on XX/XX/2019 and informed them that the account was not generated by myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77345
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: CONVERGENT OUTSOURCING Is contacting family members and telling them I have a warrant for my arrest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Contacted by Convergent Outsourcing , Inc., XXXX XXXX. XXXX about an old XXXX account that has problems that I've been trying to get resolved without success. They have added this onto by credit report as though its a new delinquent account in the amount of $ 900+. I've told them that I dont owe them this amount, and they refuse to listen to me. I just found out that when I issued a move service request from XXXX XXXX XXXX address to another in the same complex, they charged me an early cancellation fee without telling me that was going to happen. Before they would accept my move request I had to pay the existing months bill, which I did and I moved thinking my service was being transferred. I later moved to XXXX XXXX for cheaper rent, and asked them to transfer my service to my new address but was Not told they were cancelling my service, and opening a new account. This caused another early cancellation fee, which was never explained to me. When I moved from XXXX XXXX, I requested a total disconnect of by service, and only owed one month at that time. They sent me a bill for $ 600+, and I told them that I returned all of their equipment and provided them with a receipt. The next communication was for {$900.00}, they say because I failed to disconnect the service, which isn't true. I'm a senior on a fixed income and can't afford to pay them $ 900+. I'm so frustrated trying to rebuild my credit, while they report this unresolved debt on my report as thought it's a new item. Please, I need help resolving this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is the second or third time I have been harassed in regards to a fraudulent transaction that was authorized by XXXX XXXX. I have submit previous complaints in regards to this matter that I reported both to XXXX XXXX 's Fraud Department as well as the XXXX XXXX XXXX Department 's Fraud Department. All documents were turned over to the XXXX Sheriff 's Department for fingerprinting and analysis since the people in the local branch of XXXX 's Fraud Department did not want to take responsibility for clearing a fraudulent check. The Detective I spoke with in XXXX Sheriff 's Department stated the funds were sent out of the state of Florida and into XXXX, Ohio and the state of Illinois. I was advised the information was given to the authorities in those states and there was nothing more the state of Florida could do. This information has been previously reported to XXXX XXXX in addition to complaints previously submit on this CFPB website in regards to this matter. It was a case of fraud that I turned over to authorities. XXXX is well aware of the situation and had access to the information that I personally walked into the local branch and gave to them. I no longer have an account at XXXX XXXX. They cashed a fraudulent check and failed to protect myself and my children as one of their accounts. They lost my trust in addition to my business and access to my hard earned money. I have reported this issue before. XXXX needs to understand the continuous harassment can, will and should result in violations and fines. I have repeatedly given them the information they do not want to admit. I have repeatedly told them via phone and writing ... DO NOT CONTACT ME AGAIN IN REGARDS TO THIS MATTER. DO NOT CONTACT ME VIA PHONE, MAIL OR EMAIL EVER AGAIN IN REGARDS TO THIS MATTER. XXXX XXXX cashed a fraudulent check. I depended on them to protect me and my children as clients. I needed a bank that would protect my account. That includes Fraud Protection. XXXX failed. They were given the information that they did not want. I turned all documents, envelopes, everything over to the XXXX Sheriff 's Department. This has been documented previously and in several complaints. Now I am getting contacted by a company called Convergent Outsourcing , Inc . They either bought or got sold what is called " bad paper '' also known as " dead paper. '' This is a Professional FYI to Convergent Outsourcing, Inc. : I am not going to waste my time on making a phone call to your office only to have to educate one of your inexperienced " agents '' reading off of a script called " How to do Debt Collections for Dummies 101 ''. However know this now, here it is in writing ... DO NOT CALL ME NOR CONTACT ME IN REGARDS TO THIS MATTER EVER AGAIN. XXXX XXXX has a huge problem since they have been warned previously. XXXX XXXX cashed a fraudulent check. They know it as I have previously reported them. Their authorization has been revoked. I do not trust them with my money. They lost me as a client. DO NOT CONTACT ME AGAIN IN REGARDS TO THIS MATTER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I ask company to verify a debt in my name that was said i owed they did not send the proper documentation to verify the bill using section 609 in the FCRA, The amount of debt is XXXX. The company sent a bill that was in my name, no original document with my signature on it. This account is being falsely reported to the credit bureaus on a monthly basis.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, I just finished talking with 6 different representatives at 3 different offices about an alleged debt that was sent to them. They couldn't verify the SSN and reporting the wrong balance. The credit bureaus are saying that I owed {$390.00}, however, when I call them they kept saying that the balance is {$0.00}. Again, : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice in the mail yesterday, 7/31/19, from a debt collection company called Convergent. They stated I owed my former XXXX office, XXXX XXXX XXXX, XXXX. I have not been to them in 2 years. I immediately called XXXX XXXX. They have no record of me owing that much or that anything on my account was sent to collections. I researched Convergent, who for all intents and purposes, look like a legitimate debt collection agency. I called them to settle the matter. It took over an hour for me to get through to the correct department. When I finally spoke to a rep named XXXX, he was very hostile from the start. They have this collection dated for my last appointment 2 years ago. Convergent says my debt was sold by XXXX XXXX to a company called XXXX and Convergent is trying to collect my debt on behalf of XXXX. Despite this, they could not give me contact information for XXXX. I reported this debt as fraud to them and tried to call XXXX XXXX back but they were closed for the day. I then called my previous health insurance company to check what my last claim for XXXX XXXX was. They said that I had a copay and a deductible which, again, were not anywhere near the amount Convergent is trying to collect. When I got through to XXXX XXXX the next morning, they told me the amounts that they had on file for my last payments. Those amounts did not match the XXXX at all and they were marked as paid. They said they don't deal with either of those companies for debt collection. They deal with XXXX XXXX XXXX and gave me the number. XXXX XXXX XXXX says they have no record of any debt I owed on file and they do not buy or sell debt. When I contacted Convergent again, I was bounced around until I finally landed with a woman named XXXX. She said the account has been marked as fraudulent and they will contact me after they look into it. I don't understand how you can "buy debt" and have no way of tracing it back to its original source to verify if it is true or not! My credit and my sanity are taking a hit because of a XXXX debt that no one has any record of!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company is Convergent Who collects third party debts, they repeatedly calls my husbands phone, which is a work phone number. I called them back on my private line, said they were asking for my son. I know he's owed a XXXX bill, but he is XXXX and is unable to work, at the moment. I demand PER the FDCA, that the phone calls be stopped INSTANTANEOUSLY!!! they don't leave a message when they call either. This number is my husband 's BUSINESS PHONE NUMBER. So LEGALLY you do NOT have the right to contact my husband 's job, for my son 's bill!!! You will be getting a cease & disest letter in the mail, if you keep contacting that business line. I will sue you for harassment. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43035
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A