Date Received: 2018-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have repeatedly tried to fix this problem with Convergent XXXX XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 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 legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 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. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received none of the information I requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2018-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am a previous XXXX customer. I closed my XXXX account ( XX/XX/18 ) and paid the ending balance ( {$140.00} ). The balance was not overdue/delinquent. My final bill was paid in full. XXXX informed me that my account was NOT in collection or sent to collections as delinquent XXXX XXXX XXXX has sent me a collections notice with the exact amount owed to XXXX ( {$140.00} ) when account was closed XX/XX/18. They are preemptively attempting to collect a debt and harm my credit by unscrupulously attempting to extort funds from me not owed to XXXX. Again XXXX did not report my account as delinquent and in collections or send my account to XXXX XXXX XXXX for collection
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/XXXX account switched to my daughter 's name at the XXXX XXXX store in XXXX, Iowa. Three lines disconnected per my choice. Four lines transferred to my daughter 's new account. Spent 2.5 hours in the store to close old account, verify no late or change over or reconnect fees with XXXX XXXX Customer Service. Verified a credit would be issued to by account for end of service in the beginning of XX/XX/XXXX. Credit issued on XX/XX/XXXX bill but also reconnection fees for 7 lines, 3 of which were never reconnected, 4 of which were placed on another account. Account was paid XXXX $ XX/XX/XXXX leaving a balance of XXXX . {$99.00} was paid XX/XX/XXXX. Service was cancelled per customer choice on XX/XX/XXXX. Service period was XX/XX/XXXX - XX/XX/XXXX. Normal monthly fee is XXXX $ for 7 lines, XXXX $ for new phone payment and insurance. Credits for health care worker brought monthly bill to XXXX. {$99.00} was paid on XXXX. The company is charging XXXX $ for 7 days of service. Absurd. If you take XXXX $ and divide it by 30 days you XXXX $ per day is XXXX plus the XXXX for the insurance and monthly phone payment you get XXXX . XX/XX/XXXX balance due which was XXXX . {$69.00} + XXXX + XXXX = XXXX - {$99.00} = {$61.00} due to XXXX XXXX. Not {$320.00}. Waited for corrected bill to arrive. Called to correct bill. XXXX XXXX sent to collections. 6 or 7 phone calls later, each at least 45 minutes long, issue still remains unresolved. Convergent stated XXXX XXXX had to fix bill. XXXX XXXX said Convergent has to fix bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 521XX
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There is an account now reporting with XXXX XXXX for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2018-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: According to the law section 809 of the FDCPA, CONVERGENT XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX MUST provide a 'signed ' contract of myself doing business with their company and my obligation to pay them. this company HAS NOT PROVIDED this information to me. The above company has been given the allotted 30 days to provide this. THEY ARE VIOLATING MY FEDERAL RIGHTS and are subject to lawsuit. I want to file this complaint on this company for this. Please assist me in correcting this, as it is and has damaged my lifestyle and ability to gain and maintain employment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2018-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never had this company in my name. This says it has been open since XX/XX/2017. I have had XXXX for over 2 years. There is no way that this could be my debt. Company has not sent proof that this was done by me. Only thing that I just recently received was a settlement letter. I am not paying for something that I have never had in my name. They are saying I owe {$500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50265
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty -day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Florida ; 5. proof of the last payment made on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-02
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: I had service with XXXX XXXX internet but the service was no longer working and I made call after call and they sent out a tech several times but they either couldnt get it working or they would get it working and right after they left it went down again. This went on for a total of 3 months and they kept applying credits and eventually told me it was a problem at the pole and they were waiting on permits. They never got it fixed ao I was forced to cancel service and sign up with another company. I got a bill and contacted them and they told return the equipment and the credit would wipe out the remaining balance owed. I did at a XXXX location. They reported this to XXXX XXXX and I disputed theough credit bureau and nothing happened. I have no documentation because it was all by phone but XXXX has a booked of transcripts of the calls because every time I called the person could read everything already done from previous calls. It is not much but it is unfair I should have to pay for service they disnt provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70448
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted XXXX XXXX to report a debt that that was opened while I was a minor in XX/XX/2006. I explained to them that I do not recall ever having this debt and to send me information about the debt. They stated that they would not send me information about the debt and that I would have to fill out a police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64050
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: These last two days I had an opportunity to go through my paper mail received via USPS. I encountered a letter on a Convergent letterhead with XXXX XXXX XXXX , XXXX listed as the creditor. This caused a bit of distress as I thought a debt was owed to the United States Government by my person. Upon closer inspection, I noticed that the original creditor was XXXX XXXX XXXX XXXX, an XXXX partner company whose operations where discovered by a Pizza delivery guy. I thought I'd mention it because I attended XXXX school which resulted in my tires being blown out on the freeway twice, being shot at, having my car wrecked through a " vehicle commandeering demo '' and various other legal issues. This debt is from XXXX and I believe attempting to collect the debt is a violation of The Fair Debt Collection Practices Act and the Fair Credit Reporting Act as it is way past the four year statute of limitations period, we are now in XXXX and the letter was dated in XXXX of this year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57103
Submitted Via: Web
Date Sent: 2018-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A