Date Received: 2019-07-31
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Hi - I have raised a concerned with XXXX about my issue that the offer was not service as expected. therefore i have raised a case # XXXX on XX/XX/2019 with XXXX and till date there is nothing happened. I was offered buy a phone and get a phone deal from sprint and when i availed the service from sprint .... even post 60 days i did not get the offere from XXXX. When i called XXXX for help, they took the case, no action made on that .... upon several calls, they confirmed that there is no offer exist .... mainly the reason for me to go XXXX was the offer only ... XXXX case XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As per FCR Act Sec 609 ( a ) ( 1 ) ( a ) I requested but never received a physical original signed consumers contract between myself and said creditor. Under FCRA all unverified accounts must be removed. Remove ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, My name is XXXX XXXX XXXX.It ALL STARTED BETWEEN XXXX AND XXXX ON THIS COMPANY XXXX XXXX TRYING TO COLLECT A PAYMENT OF OF CABLE BILL I NEVER APPLYIED FOR OR EVER HAD RESIDENCE AT THE HOME WHERE THE CABLE WAS TO BE SET-UP. HOW THEY GOT MY INFORMATIOIN IS BECAUSE I DISPUTED MYSELF ON THEIR WEBSITE AND FILLED OUT A IDENTITY THEFT APPLICATION WITH THEM THAT SOMEONE AT THAT RESISDENCE FRAUDULANTLY USED MY NAME. I XXXX XXXX XXXX CALLED THEM NOT OR USED ANY CREDIT CARD NUMBERS TO GET THEIR SERVICE OR THEIR PREPAY BY CREDIT CARD PROGRAM THEY HAVE THAT WILL AUTOMATIC TAKE MONEY OUT OF MY CREDIT CARD. I TOLD THEM I NEVER LIVED AT THAT HOUSE OR ORDERED NOTHING FROM THEM I HAD MY OWN PLACE OF THEY WITH CABLE. I TOLD THEM THE ORIGINAL PERSON WHICH USED THEIR CELL PHONE AND CREDIT CARD MADE THE PURCHASE OF THAT CABLE FOR HIS USE NOT MINE. THE CREDIT BUREA AND THE COMPANY ITSELF INVESTIGATED AND NEXT THING I KNOW XXXX XXXX WAS DELETED FROM MY CREDIT REPORT NUMEROUS TIMES OF SOMEONE BEING PERSISTANT ON MAKING ME PAY FOR SOMETHING I NEVER CALLED FOR NOR USED. AND I HAVE NOT SEEN THEM ON MY REPORT SINCE.NOW ITS 'S XXXX AND I RECEIVED NOT A BILL FROM THE ORIGINAL COMPANY I SO CALLED OWE AND THEY OR WHOMEVER OF THIS COMPANY AGAIN HAS WITHOUT WARNING OR ANY NOTICES PLACED ME TO THE CREDIT COLLECTIONS CALLED CONVERGENT AND THIS IS THE SAME COMPANY THAT WAS DELETED AND THE REST WHOMEVER KEEP PLACING TO THE CREDIT COLLECTIONS. I AM TIRED OF THIS AND I AM TIRED OF THIS SCAM AND THIEVERY OF GETTING MONEY OUT OF ME OF SOMETHING THAT DONT BELONG TO ME. NOW, THEY TRYING TO COLLECT XXXX FROM ME AS A DISCOUNT FROM A XXXX CABLE BILL THAT I SAID IS NOT MINE .PERIOD.PLEASE HANDLE THIS FOR ME. AND INVESTIGATE WHY I AM BEING HARRESSED SO OF SOMETHING IS NOT MINE BY THIS COMPANY OR COLLECTION AGENCY FOR WHICH I ALSO SPOKE TOO LONG AGO.IT 'S BEEN A ALMOST 2 YEARS OR 1 1/2 YEAR THEY HAVE NOT BOTHERED ME AND BEEN DELETED FROM MY CREDIT REPORT UPON NUMEROUS INVESTIGATIONS AND HERE I GO AGAIN WITH THESE PEOPLE. I AM ANGRY AND VERY TIRED OF THIS XXXX, NOW.HELP.SINCERLY 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: 21215
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent outsourcing is reporting account on my credit that isnt mines. I have asked them to Vaildated account with my signture but failed to provide me with anything. This not my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34601
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is XXXX XXXX address XXXX XXXX XXXX XXXX. I have sent several requests for proper debt validation to convergent outsourcing XXXX XXXX XXXX XXXX XXXX WA XXXX. I have not received it proper debt validation. They keep sending me information which is not relevant. This company received and signed for the letters I sent them. They are continuing to report this account in my name constitutes collection activity specifically prohibited by the FDCPA. Here are the statutes in which your company they are in violation : 1. Failing to cease collection of an alleged debt after the Defendant notified Plaintiff in writing that the alleged debt was disputed, therefore violating FDCPA 15 USC 1692g ( b ) 2. Falsely representing the amount of the alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 3. Failing to report an account as disputed on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 4. The threat to take any action that can not legally be taken or that is not intended to be taken, thereby violating FDCPA [ 15 USC 1962e ] ( 5 ). They are in violation of the FCPDA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: on XX/XX/2019, I received a letter from the convergent collection in it was stated I owed them money, I replied within 30 days I did not owe them anything via certified mail, now I have received another letter and more phone calls that I do owe this debt ; As a result of their behavior, I have suffered emotional distress ; mental anguish. For God sake, I am XXXX years old XXXX man this constant harassment from these people is going to send me to straight to my grave.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33030
Submitted Via: Web
Date Sent: 2019-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have already paid off the bill, that has Been placed on my credit file, it has been removed by my other credit files for some reason they are saying that it is current, it is not current I have contacted the provider and they do not show me owing this amount because I have satisfied the amount in full. This is not correct and every time I contact the collection agency they say they will remove it has not been done, something needs to be done. I have my receipt of payment and so does the provider involved, this needs to be addressed and removed off of my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2019-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this has been on my report since 2011 .they keep updateing the start date .it, s been almost 9 yrs for a bill i never owed .i had a 2 yr contract with XXXX two years was up when i left XXXX XXXX and went with the company i work for ( XXXX ) which also uses XXXX and i am still with them.if you look at my payment history you will see i pay my bills .this XXXX for XXXX i never owed and will never pay. i don, t understand how they can keep changing the start date from 2011.this should not be on my report after 9 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34677
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2019 at XXXX we received a call from CONVERGENT ( XXXX ) asking for XXXX XXXX. After connecting with an operator I stated that we were a company and the operator disconnected the call immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85040
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid 4 Medical Collections on my credit on XX/XX/2019 to Convergent Healthcare Recoveries , Inc via phone with 2 different debit cards that is from my 2 Credit Union Accounts. They informed me they was going to report my payments to the bureau. When I pull my credit report through XXXX XXXX I noticed that they was on my credit report, in which they wasn't on their before. I paid the collections as soon as I got the letter so they would not hit my credit report. But as soon as I paid them, they reported me to the credit bureaus as if I never paid. I called them back to discuss why was it showing on my credit report 30 days later and why haven't they sent me a receipt and the collection representative told me they don't send receipts, I will have proof that its paid when I check my bank statement and its not on my credit report. I see the 2 Charges taken from each account for the 4 collections, but they still reported me and 30 days later my credit report is not only inaccurate, but that too my money and is telling me it will take up to 120 business days. Whats worst is the collection reps acts secretive as no one likes to give their names at Convergent Healthcare. They only become rude and hangup on me. I feel like I was not only robbed but they are reporting bogus information on my credit report. Collection 1 - {$66.00} ( Paid With XXXX XXXX XXXX ) Collection 2 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 3 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 4 - {$250.00} ( Paid With XXXX XXXX XXXX Account )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A