Date Received: 2019-01-10
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I sent a dispute letter to Convergent Outsourcing ( creditor ) on XX/XX/2018. This letter stated that the information they provided was incorrect and the negative mark on my credit report was being falsely reported by them. I also asked in this letter for them to provide me with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. A little over a week later, they responded with their " evidence '' and it was insufficient. The address that they had listed on the account was an address that I have never occupied. So, after receiving their letter I sent them a second letter on XX/XX/2018. This letter let them know that the information they are reporting is inaccurate and they have failed to show any alleged contract or instrument bearing my signature. I asked them once again to please show me any viable evidence that this account is being reported accurately, it has been over 31 days and I have not received a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2019-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a follow up to my initial complaint about Convergent Outsourcing. I actually spoke with a representative today regarding the account that is in accurately reporting on my current report. Upon speaking with the representative she gave me information on two separate accounts they have in their office - One is from a XXXX XXXX XXXX address and is from an alleged debt, dating from XXXX and the other is XXXX XXXX XXXX ( XXXX ) The representative stated that they sent a final bill to my home as validation, which in fact is not proof a debt. I explained to her that I was actually a victim of fraud in the past as well and neither of the debts belong to me. On top of it, the statute of limitations for debt collection has run out on the one debt that they are trying to collect ( XXXX ). I would appreciate it if these debts are removed from my credit report as a copy of a final bill is not validation and not proof that the debt is mine and that they can collect the debt, along with the fact that the debt is over 9 years old.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Company continues to call government work phone even after being notified that personal calls can not be taken and to stop calling. Most recent calls are XX/XX/2019 at XXXX, XXXX, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: To Whom It May Concern : On XX/XX/2018, I was assisting my significant other try and obtain a bank account with XXXX XXXX XXXX. When applying for the account he found out that he was not able to open the account because of a XXXX record he had with a company by the name of XXXX XXXX, who is now XXXX XXXX. The representative at the Credit Union gave us the number she had listed as a contact, in which we called to inquire. The representative at now XXXX XXXX didnt have answers to the questions and at one point put the call on hold. After that a male voice answered the phone, How Can I Help You?, not identifying himself, not even by name. At this time, there was no introduction I was now speaking with Convergent Outsourcing, a third-party debt collection agency agent. I proceeded to tell the man on the phone I wasnt sure as I was put on hold and he came to the phone and would continue to inquire about the account on behalf of XXXX XXXX. Because I was inquiring about XXXX, he told me I would have to speak directly to the bank at that point I asked if I was speaking to a collection agency. He did respond by saying yes. I believe it wasnt until then he said that it was an attempt to collect debt. He asked me who he was speaking to, and I replied by saying XXXX XXXX. He continued the call without identifying who I was, just asked my name. At that point he didnt have the information regarding when the account would fall off XXXX so I then asked to speak to a supervisor. That supervisor too, asked me my name, and I responded, XXXX XXXX and proceeded to speak with me. Later on, in the call, I did inquire about her speaking with me and her response was, I can speak with anyone who calls about the account because they didnt have a contact on file. This is clearly a violation of the FDCPA. To follow-up regarding the FDCPA violation and complaint written by XXXX XXXX, he received a response regarding the this violation and several others they refused to address in the letter by misrepresenting me and falsifying documents to the different agencies, i.e., Consumer Protection Financial Bureau, Attorney General, and the XXXX XXXX XXXX stating they were not in violation because I was representing myself as a person of the business account in question from XXXX XXXX who listed herself on the document as a Compliance Supervisor. After receiving the letter, I too read the response, that falsified who I said I was and tried to follow-up with XXXX XXXX for clarification and to date, havent received a response to the above claim. When trying to call the business, Convergent Outsourcing, I was hung-up on by the receptionist and treated very rudely by all parties in the company. After asking for a supervisor, I was transferred to 3 different people, one who identified themselves as just a collection representative, another who said she was a team lead who worked with management and said all supervisors were in a meeting. I was finally able to get through to a person by the name of XXXX XXXX, who identified himself as a Managers Assistant he would not speak with me regarding the account after telling him how the letter read. He said he didnt feel comfortable. I asked him to have XXXX XXXX get back with me and to date, again, have not heard from her. After not hearing from her, XXXX and I went to the company where we were treated like criminals by the receptionists, one who said it was illegal to transfer calls without an account number and the other who refused to give her name because she was in fear that we would find her on XXXX? It took at least 20 minutes for them to send down the Operations Manager who was also rude and unhelpful. I had to wait for attention to tell her our concerns with the account as she stood up in the middle of the conversation and started looking for her cell phone, then proceeded to ask XXXX if he had seen it as if he stole it from her. It was very disturbing that she not only thought he stole it from her but that was her concern more than the customers she had in her office regarding FDCPA violations and abusive employees of Convergent Outsourcing. The receptionists both were working with paperwork face-up on their desks which too is a violation. I have now made several attempts to contact the company regarding this situation and the falsifying of records and they will not respond, the Operations Manager even said, she wasnt going to deal with the situation. I respectfully asked her why and she said she doesnt have to give me reason, very rudely. She also refused to give a time frame in which we can check back with her for answers. XXXX and I continue to get ignored and have no choice but to file complaints to resolve the issues we are having with Convergent Outsourcing. They are a business operating untactfully, falsely and not following federal guidelines written in the FDCPA.
Company Response:
State: WA
Zip: 98002
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX ( XXXX ), opened cell phone acct with XXXX in XX/XX/2013. I had little to no service with their cell phone for two months, I believe. I called several times and complained of bad service, finally talked to a supervisor that agreed to cancel contract. After cancelling I recieved another bill and refused to pay it and then they added on late charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85203
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a letter to the XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. 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 to be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX of 2016, I moved out of an area that XXXX services. In XXXX, I received my final bill and I called in and made my last payment, I even asked the lady on the phone if that was it and she informed me that it was. Here we are, over 2 years later, and this company adds itself to my credit report without sending me ANY information. Very slimy actions, to be honest. Please send me verification of debt and remove yourself from my credit report before you're sued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had settled an account with XXXX XXXX on XX/XX/2018 in the amount of {$100.00} for an outstanding balance with XXXX totaling {$260.00}. Had I known that this third party collection agency had no authority, other than to report weekly the information that my account is cleared with them, to remove this pestering collection away from my credit file. I had been transferred 5 times total, to be told to call XXXX and then to call XXXX XXXX again to finally become informed of that there is nothing else they are able to do. XXXX has its own collection policy that I was unaware of and to my understanding I should no longer owe another {$160.00} if the collection agency only settled for the {$100.00}. To add, I do not plan to EVER reinstate services with XXXX in neither the near nor far future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62040
Submitted Via: Web
Date Sent: 2019-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
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: CONVERGENT {$1600.00} I challenge the accuracy, compliance and reportability of this listing. There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: For the past 4 months, I have reached out to XXXX XXXX, XXXX via certified mail regarding the {$1200.00} they say I owe. I have informed them over and over this is not my account. I have requested documentation verifying this account and they have yet to furnish me information verifying this debt. Additionally, they have not reported to the credit bureaus that I have been disputing this debt. Their lack of accuracy is causing me to have major credit issues, including disqualifying me for credit as well as causing me to accept higher interest rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66109
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A