Date Received: 2019-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent Outsourcing sent me a letter indicating I owed {$530.00}, the original creditor listed as XXXX XXXX ' The letter from Convergent referenced : Client Account # : XXXX Convergent Account # : XXXX I have never had a credit line with XXXX ; I contacted XXXX and inquired with respect to this debt collection attempt ( and provided the above account numbers ) but XXXX was unable to locate any record of a credit line on my account. This seems to be a fraudulent debt collection attempt. The debt appears to be fictitious. Thank you for your help, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have sent Convergent Outsourcing Inc. multiple validation of debt letters which have been ignored. I expressively stated I wish only to work with my original creditor. This has been ongoing for months. Today I am going to my town hall to get my 4th validation letter notarized and sending it to this creditor in a final attempt for them to cease and desist. I will provide any and all information the CFPB that is deemed necessary. I do hope you will help me stop this collection agency 's disregard for my rights and requests. They are damaging my credit that I have worked very hard for. Despite my efforts requesting they Cease and Desist they are reporting to the credit bureaus still as of today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONVERGENT OUTSOURCING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This was a debt that originated with XXXX XXXX XXXX and not this collection company. Debt was charged off by XXXX XXXX XXXX then replaced back on as active by collection company. I informed them that I believe their actions to be illegal and representatives became very rude. I asked them to stop calling and notify me in writing, they have refused. It is my opinion that their actions are illegal and at best falsifying information on my credit report to cause me the most harm. They are intentially hitting my credit report as often as they can to make my score go down. Their actions have caused me to lose a federal job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2019-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collections account from XXXX that was a fraudulent account from XXXX # XXXX, # XXXX not sure how the collections office put this account on my credit file but it needs to be remove/deleted asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX I sent letters to Convergent Outsourcing asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. Once they did not respond at all. The seccond time, they provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Around XX/XX/XXXX I got a call from convergent collection agency stating that I owed an {$800.00} debt to XXXX, and they were pressuring me into paying over the phone at that time, so I told them I would call back, and I reached out to XXXX, seeing as how I am a current customer with them and have never missed a payment. The representative that I spoke to checked my current account that I had joined with my husband, and didnt find any descrepancies. From there he attempted to check the account we had closed out in store, when me and my husband merged phone plans. He stated he was locked out of the account since it was closed and I never set up a pin for it, but that it did not come up as flagged as delinquent nor did it flag as being sent to a collection agency. On XX/XX/XXXX I checked my credit report which I do quite often, and it showed a delinquent mark/ debt collection from XXXX. I called XXXX and after allot of being sent back and forth they were finally able to retrieve my closed account, and then confirmed that I had an {$830.00} bill that they had sent to collections. My complaint and what I would like to fight is that I closed my account and added a new one, The same day in store. And would have payed any balance I had if I were told. But not only did the in store manager not inform us of that there was anything unresolved with the account, we never got any bill, or any communication from XXXX saying that I had owed them anything. I closed that account out in XX/XX/XXXX, but was still a customer with them, in good standing, and it took 2 years for a debt collector to reach out to me about the balance, that XXXX representives could not verify until a few days ago. Now my credit report is damaged, and I would like to fight this. I would pay what money I am found to owe, but I would like this expunged from my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60445
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent Outsourcing Debt collections : XXXX was primary cell company ; switched cell company i.e. XXXX. XXXX kept the cell phones that were leased from XXXX. I was not informed and I do not have the devices. XXXX refused to release the cell phones to XXXX. I have spent many months trying to resolve with no such luck. 3rd party collection agency threatened to take unwarranted legal action. I feel threatened and without recourse. Debt ID : XXXX - Date of collection : XX/XX/2018 - amount {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97080
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company reported a false debt to the credit reporting agencies thats not mine. Ive never even lived at the address thats being reported. It caused my credit score to decrease 60 points!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a debt validation letter to XXXX XXXX XXXX in regards to an account they have on my credit report. They received my letter of request via certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received any type of validation of this debt or communication in its regards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A