Date Received: 2019-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent Outsourcing is attempting to collect on an account that I have no knowledge of and that I have already reported to the credit bureaus as not being my account. The only thing that I keep receiving back is that the account has been verified which is not the truth because this account does not belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my XXXX and XXXX reports in mid-XX/XX/XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$340.00}. It is reporting under the company Convergent Outsourcing. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from both of my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have been disputing this account since I first received notice from Convergent Outsourcing. No matter what I request ( validation of the debt, proof of amount, proof they are authorized to collect debt and proof they can collect debts in Rhode Island ) they simply respond with a form letter with a pen mark checking off this debt is valid. They are refusing to offer any supporting documents. I am not sure they are authorized to collect this debt. I would also like to see the contract I signed to see whether they are abiding by the terms of said contract
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02852
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX has been non-compliant with removing the unverified account CONVERGENT OUTSOURCING , INC . Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CONVERGENT OUTSOURCING, INC. was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/XXXX, XXXX could not provide the services that they sold to me due to the coverage issues they were having and their need to add more cell tower coverage in my area. I had expressed many concerns with XXXX and rather than doing the responsible thing, they chose to make me wait out my contract. As painful as that was when canceling, I had already paid for services in advance to XXXX so the last bills should have been covered. XXXX sent an erroneous balance of {$410.00} to Convergent to collect on. They had already collected monies that covered any final bills and this was challenged by me and subsequently removed from my credit report. Now in XX/XX/XXXX and without any notification, I see that it was again added to my credit file and there was no communication informing me of this. This is a complete misuse of power and needs to be removed as it is effecting my credit report. I do not have any history of collections EVER with any other company. XXXX and Convergent are in the wrong and it is effecting me personally. I am hoping for assistance or I may need to contact my attorney. At this point, its about doing what is right. I genuinely believe that XXXX is just a big company that isn't getting the right people assigned to this and that this file is being bounced around with the representatives that work at Convergent. All I am asking is that this be removed off of my credit report as it has already been challenged and removed previously. This is double jeopardy and a big company game that needs to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I received a letter from convergent outsourcing Inc. from XXXX Washington stating that I have been placed with their office for collection in attempt to collect a debt to XXXX. Which I do not have any debt owed to XXXX. I know that for a fact. And can prove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have an unverified account from Convergent Outsourcing , Inc . I had previously disputed this account. I have never done business with Convergent Outsourcing , Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Convergent Outsourcing Inc . Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Convergent Outsourcing Inc . Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am getting notifications from Covergent about a collections account that does not belong to me. This is going to drop my credit score and ruin my chances of getting a mortgage. This isn't my account, how can they say I owe them if I never did anything with them?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2019-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I changed adress and was never sent any notice or bill nor a phone call
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2019-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Convergent Outsourcing of XXXX XXXX XXXX XXXX XXXX, WA XXXX has added a debt to my credit file that was unaware of. I was never given the right to dispute this debt before it was added to my credit file and the debt does not belong to me. I have never had or applied for this account in or around XX/XX/2017. Convergent is listed as collecting a debt for the creditor XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2019-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A