Date Received: 2019-02-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company called Convergent ( XXXX ) continues to call me regarding a debt for someone else named XXXX XXXX. I've received calls since having my phone for this individual about collecting his debts. I am not this individual and although I have the same number that this individual previously had - I do not owe or have the same name as this person. These calls need to stop. I asked this company to remove my number and informed them that I am not the individual.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: All last year I have disputed incorrect information placed on my XXXX and XXXX credit report. Convergent Outsourcing has placed themselves on my report as me owing a debt to XXXX in the amount of {$1200.00} and stating that the account was opened inXX/XX/XXXX. XXXX refuses to provide me with proof of debt validation and refuses to reinvestigate this false information. I have attached proof that my cell phone provider is not XXXX but is XXXX/XXXX whom I have been with since XX/XX/XXXX.
Company Response:
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Noticed this collection since last year and have been disputing it ever since. Convergent Outsourcing is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me an invoice and itemized bill. This is not acceptable, FCRA states there must be a tangible contract provided to me upon my request, that bears my signature, showing that I am responsible for the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: a claim of {$380.00} has been made by three ( 3 ) different credit collection agencies. Each claim the debt is for a failure to return equipment to XXXX. XXXX indicates my prior account is t a XXXX balance, Paid in full, with no money due on my account, closed over three years ago. These credit collecting agencies continue to sell the debt, knowing that there is nothing to collect. The agency name 's are as follow : XXXX XXXX XXXX, XXXX XXXX, XXXX , Convergent Outsourcing , Inc . The last company, Convergent Outsourcing , Inc. called numerous times, even after being told not to, and has written twice. I have sent letters of Denial concerning the Debt. I have been mistreated and spoken to in a rude manner by several staff member of Convergent. Convergent has been notified verbally and in writing that the debt they are claiming is in error. Convergent employee refuse to listen. As a former XXXX XXXX I have a suspicion that Convergent may be trying to perpetuate criminal fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2019-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have reached out to Convergent asking for a statement to be mailed. I aswell has answered one of the many calls from the collector and had asked her to send a paper statement and the collector hung up on me and then repeated to call several times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2019-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Convergent Outsourcing listed an account on my credit report that has been paid in full. I disputed the account with XXXX and XXXX months ago. I received a letter dated XX/XX/2018 from Convergent stating that they are no longer furnishing the account and that if it is listed on my credit report, they are going to send an request to have it removed. It is still listed on both credit reports. I sent evidence to XXXX of the letter that Convergent sent me. They informed me that when they try investigate the matter, Convergent is informing them not to remove it from my credit report. There is conflicting information as to what Convergent is telling the credit bureaus to what they sent me in the mail. I would like the account removed from both XXXX and XXXX.
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: 2019-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I continually get calls from Convergent. I get 4 to 5 calls a day. They come from a # XXXX. Each time I answer, they state who they are and that they are a debt collector. Then they tell me that I have a unpaid debt to : XXXX XXXX.. They state that I took the loan out in XXXX and I made my last payment on it in XXXX. They then state that i have a outstanding balance. I advised them that I had filed a Chapter XXXX in XXXX during my divorce and any loans were taken care of through my Chapter XXXX. I also advise them that if i did have any debt that old and from before XXXX, then this debt would have been included in the chapter XXXX and the debt is also past the statue of limitations for my state. I also advised them that I had a loan with XXXX XXXX around XXXX to XXXX and this loan is paid in full and I also have a lean release and clear title. I also told them I do not believe that XXXX XXXX would have given me another loan if I owed them money. I am then given the same story from them that they are going to put it on my credit report, They are going to take my home and also going to garnish my wages. I advised them to send me copies of the original paperwork and any and all documentation .They advised me that they do not have to do this .It is my responsibility to keep my own records. I have asked them to stop calling.I have used their website and also called them and the calls keep coming.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX is attempting to charge me a cancellation fee that was assessed in error. I have spoken to them via phone countless times over the past few months to no avail. They have now sent this account to a collection agency, Convergent Healthcare. As has been explained both to XXXX/XXXX as well as Convergent Healthcare, my son, XXXX, went to XXXX, AZ to visit with his father this summer. He had an appointment during his visit which I cancelled. XXXX claims another appointment was rescheduled that same day, which XXXX missed. This information is in error. I did not reschedule another appointment at the time of cancellation as I did not know when XXXX would be returning. Therefore, if another appointment was scheduled, it was done so without my knowledge or consent. Certainly I can not be held liable and charged for missing an appointment that I was not aware existed. Convergent 's response to my dispute was that they would contact XXXX and it would be up to XXXX as to whether, or not, this account was removed from my credit report. Under the FCRA, as Convergent is the " furnisher of information, '' they have a duty to verify the accuracy of this account prior to placing it on my credit report. They also have a duty, once informed of a dispute, to conduct their own independent investigation into the debt 's accuracy. They can not simply rely on the word of XXXX to determine whether or not this debt is valid. It is THEIR duty to ensure the information THEY are reporting is accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 616XX
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A