Date Received: 2018-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is not mine. They have the wrong person. I never purchased anything from XXXX XXXX. I have been trying to dispute this same debt for many years and it has previously been closed by other debt collectors. See my documentation of this process attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: For the last several months, I have been receiving 2 calls every single day on each of my contact numbers. The callers either hang up immediately, or refuse to disclose who they are or the name of their company. Today I called back for an agent and was connected to a woman named XXXX. She refused to provide any information regarding the debt, agency, or company, and hung up on me 3 times before I immediately requested a supervisor. This debt has already been paid off, and this agency 's repetitious, harassing phone calls without actual communication is extremely frustrating. I didn't even know this number belonged to a collection agency after MONTHS of their spammy calling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received an alert from my credit report saying a new account had been added. I checked my account and a company named convergent placed an account for collections in the amount of {$71.00} on my credit report. Not knowing this company I sent them a debt validation letter via certified mail on XX/XX/2018. The letter had been received and signed for. In response I was sent a bill. I sent a second letter again via certified mail requesting validation of this debt on XX/XX/2018. This letter had also been received and signed for. As of today I have not received and information from Convergent to validate this debt and it is still on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent letter to the collection agency asking them to VALIDATE a debt .The company sent me bills and that's not validation. XXXX sold the debt to XXXX XXXX XXXX # XXXX and I would like for this account to remove from my credit file.!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On or about XX/XX/2011 I contacted XXXX to discontinue services with the company. I asked them to stop services and they made an appointment for the technician to pick up their equipment, they did come and picked it up. Months later I received a bill in the amount of XXXX dollars. I called XXXX and they said I would have to pay this. I told them I discontinued services myself. What other way would they have got their equipment. Since then this has been on my credit report for no reason and I would like it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt was disputed in XX/XX/2016 after contacting the collection agency and requesting validation of said debt and also disputing the debt with the credit bureaus that had it listed ... the company was not able to validate the debt whatsoever ... .The replied by sending me a copy of a bill which per the Fair credit reporting act does not constitute validation ... Furthermore I also requested a copy of their license and Bond showing their authority to collect debts in Illinois..Which was never provided ... I also send them a letter of " Implied Contract refusal '' after thorough investigation the company subsequently deleted this account from my credit file ... .Now almost a year later they have re-reported the exact same debt without any proper notification of any kind as required by the Fair Debt Collection Practices act .... These unscrupulous tactics are causing me serious financial hardship ... mental anguish and not to mention a defamation of my character ... ..This is the exact language that was sent to them by me ... ... '' Ref # : XXXX Attention : Collection Manager / Legal Department This letter is being sent to you in response to a reporting to the credit bureaus ( XXXX XXXX , XXXX & XXXX ) . Be advised that this is notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; and provide a copy of the original contract bearing my signature ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ( Illinois ) and a current bond on your company ; Provide me with your license numbers and Registered Agent ; At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. Please Take Note And Govern Yourself Accordingly. XXXX XXXX As seen in the body of the paragraph I asked for very specific documents in which I am legally entitled to ask for per the Fair Credit Reporting Act and The Fair Debt Collection Practices Act, which was never provided.. I also returned the " Bill '' that they sent me as Verification, which I asked for Validation! ... and sent along with the return this legal language " Your papers attached hereto are refused, denied and returned for fraud. All parties must agree to a debt claim to be enforceable and legal. I never agreed to contract with your company. Additionally, what you sent me was not a VALIDATION of debt,, what you sent was a bill which is not a VALIDATION or a verification of debt. Furthermore, evidence of debt alone does not make you a person entitled to collect. If your presumption is youve obtained tactic or implied consent, you have now been put on notice that any subrogation has now been rebutted and any presumption of consent is hereby VOID! for fraud. Further, the Fair Debt Collection Practices Act DOES NOT give you the authority to force me to consent to contract with you. Show me your lawful authority to enforce an alleged debt claim against me to my detriment without my consent. You are also in violation of the Fair Debt Collection Practices Act by the use of misleading representations and unfair and deceptive practices in the attempted collection of a debt. If you can not substantively answer within 15 days and either prove your authority or prove specific contractual obligation between you and I, then cease and desist immediately all your methods of collection and remove any derogatory reporting to the credit bureaus. Further, as an act of good faith, provide me with written confirmation this matter has been resolved and any negative reporting to the credit bureaus has ceased. Should you ignore this letter and continue your collection efforts and reporting to Credit Bureaus, I will have no other choice but to have my local Congressman forward your fraudulent papers to the Federal Trade Commission, Attorney General and the Postal Inspection Service for further scrutiny. Please know that as of receipt of this notification, it is now time stamped by certified mail. I look forward to an uneventful resolution of this matter. Please Take Note And Govern Yourself Accordingly. XXXX XXXX '' ... .. This situation is now becoming to say the least annoying and an Illegal attempt and collecting on a debt THAT DOES NOT BELONG TO ME! and definite bordering on harassment ... Thank you.. Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-18
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: To Whom It May Concern : On XX/XX/2018, I tried to open a bank account at XXXX XXXX XXXX as was denied due to an amount of {$330.00} reporting to XXXX by XXXX XXXX XXXX, now known as XXXX XXXX. After calling the bank to inquire and asked about how long it would be before the account was removed from XXXX, I was put on hold then blind transferred to a collection agency by the name of Convergent. The collection agency answered the phone after a blind transfer, how may I help you? As I was blind transferred at that time, my girlfriend identified herself as XXXX XXXX and the collection agency failed to get my authorization to speak with her and failed to mention company name and/or give mini miranda. At this time, the collector didnt know the answers to the very specific questions regarding the account they were collecting for their client, XXXX XXXX/XXXX XXXX. Not to mention blindly transferred to them without knowing it until later on when my girlfriend clarified from a very late Mini-Miranda. The questions being asked by XXXX XXXX were specific to the account Convergent was collecting for She wanted to know more about the ChexSystems process, which is the question I had initially asked the bank before the blind transfer. He continued to tell her he didnt know when the account would be deleted from XXXX. After clarifying I was transferred to a 3rd party collection agency, she asked for a supervisor that may know the answers to the questions she was inquiring about. She also failed to mention the Mini-Miranda, also asking for the name on the account my girlfriend again stated her name and they continued to discuss the account without getting authorization from me. They even asked if the account was for XXXX XXXX. She said yes. These are clearly violations of the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : - My girlfriend was with me and wanted her to speak with the collection agency. Collection agent answered the phone how can I help you at this time I didnt know we were even on the phone with collection agency ( Convergent ) Mini Miranda was not given by collector until later in the call. - Collector asked for name and my girlfriend clearly identified herself as XXXX XXXX and at that point they continued to give her information without asking my permission. - Supervisor by the name of XXXX XXXX advised her after the conclusion of the call that she didnt violate any laws by speaking with me and she can talk to anyone who calls. - In addition, when I contacted the company regarding the debt in XX/XX/XXXX, they failed to send me validation of the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98002
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received in the mail a notification and offer to reduce amount owed to XXXX as a reduced balance opportunity. I never had a XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53029
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/18, I contacted XXXX XXXX to settle my collections account for XXXX. I spoke with representative XXXX XXXX at XXXX. Mr. XXXX advised XXXX XXXX would accept my settlement offer of {$300.00} as payment in full and report my account as settled to the CRAs. I requested a letter confirming the details of the settlement prior to making payment. Mr. XXXX connected me with his supervisor XXXX XXXX who assured me that I would receive a receipt and letter of confirmation upon making the payment. I verified all of my personal information including mailing address and email address. The {$300.00} payment was debited from my checking account, but I did not receive a receipt, or a settlement letter on XX/XX/18. On XX/XX/2018, I spoke with a representative who advised me to allow 2-3 hours for the letter to be sent by email. The rep said he would email XXXX XXXX to follow-up. The requested documents were not received on XX/XX/18. On XX/XX/2018 at XXXX XXXX, I spoke with the supervisor XXXX XXXX who stated my collections account is showing a {$0.00} balance and stated the letters & receipt would be sent within 24 hours. Again, the letter was not received. On XX/XX/2018 at XXXX XXXX, I spoke with representative XXXX XXXX who requested my physical address and email address. Ms. XXXX claimed there was no contact information on file for me. Ms. XXXX said she was emailing her supervisor regarding my issue to ensure it was resolved. She also stated the letter would go out ASAP before the call disconnected. I immediately called XXXX XXXX back at XXXX XXXX and spoke with XXXX XXXX, the original representative who took my payment. Mr. XXXX confirmed that he remembered me, apologized and stated the account shows a {$0.00} balance. I requested the email be sent to my email address XXXX. Nothing was received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX, I received a letter from Convergent Outsourcing offering me a settlement on a debt I do not recognize. On XX/XX/XXXX, I mailed them a debt validation letter which clearly stated " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. '' Despite this, the company has not responded to my validation request and they have continued to call me. On XX/XX/XXXX they called me again. I called them from a different number and refused to identify myself until they told me the name of the company which they did not want to do. They confirmed that it was Convergent. They are additionally using caller ID spoofing in order to appear to be calling from the same state that my phone number is from. They have called from the number XXXX at the following times. They never leave a voicemail. -XX/XX/18XXXX and XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX XXXXXX/XX/18 XXXX XXXX and XXXX XXXX They have also called from the following numbers at the indicated dates. All numbers are spoofed. -XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18XXXX XXXXXX/XX/18 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2018-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A