Date Received: 2018-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently pulled my credit reports and noticed a XXXX account in collections with Convergent collection agency. I have not had a XXXX account in over 10 years. The addresses that are linked to these accounts are addresses I have never resided. These accounts are causing constant denials for credit and are hindering my homebuying process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My son opened an account with XXXX cable. He added me as a contact on the account. He is a XXXX and had to change homes due to his mobility. He was sent bills but they never reached him. So the company reached out to me to pay the bill. They said I was on the account. I told them originally I would not pay the bill since it was not mine. About 30days later I contacted the company letting them know I would pay the bill as long as it did not show on my credit report. The customer service personell said she would send me a letter stating that fact. She said I only had to pay this amount {$330.00} to XXXX XXXX and they would not put anything negative on my account. But they and said I owed the balance of {$170.00}. When I tried to reach out both XXXX and Convergent, they give me the run around. Neither says they took the paymant that they both can see on the account. Also, there is a balance, again I was told this would not show up on my credit score. Now everyone at either company say they didnt talk to me, but the payment was there and it is showing on my credit. They both continue to put me on hold and eventually the phone hangs up. I have called three times being on the phone for an hour or more each time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2018-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2018 {$520.00} Debt Collection Agency : XXXX XXXX, XXXX XXXX XXXX XXXX sent {$520.00} to a debt collector. I am very confused because I used to have XXXX, I have recently closed it like 5 or 6 months ago with no balance. My account was successfully removed and unable to login at all. I have no idea why I am having a debt agency coming at me, I haven't owe any of these from XXXX. I only used XXXX to sell merchandise on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2018-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid XXXX in full directly and by law, they must recall the account from Convergent, which they said they would, Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72211
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Over 150 calls in the last 3 months. No message left. No response if I answer the phone. No reason for call given. Refuses to stop calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 542XX
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Paid a collection balance in full in agreement that the collection agency will remove and delete all reportings. The agency is still reporting a negative account after they were paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Good Evening, I XXXX XXXX have paid a debt of {$190.00} to XXXX XXXX, Convergent, and I told them I need of a deletion letter in which they told me don't give, so it shows as paid on my Credit but I need it to be deleted. Thank You XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid XXXX in full directly and by law, they must recall the account from Convergent, which they said they would, Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72211
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is reported in my credit report and I had no knowledge of it. It 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: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX XXXX XXXX XXXX and XXXX Account # XXXX and XXXX. I am not responsible for any payments for these accounts. I have no business with XXXX XXXX XXXX XXXX and XXXX. XXXX is " third-party debt collector ''. I do not have a loan or contract with XXXX XXXX XXXX XXXX and XXXX or owe a debt to XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX and XXXX is attempting to collect a debt on the basis of fraud. Please provide proof of claim with evidence that you have legal and lawful authority to collect? Failure to substantiate the claim, please settle account immediately ( SATISFACTION OF LIEN AND RELEASE OF LIEN ). Im challenging this account with XXXX XXXX XXXX XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ). XXXX XXXX XXXX XXXX , XXXX Restrictive Covenants contract has expired and XXXX XXXX have no contract with XXXX XXXX XXXX XXXX , XXXX. Therefore you are obligated to release the lien and clear the title to the property. XXXX XXXX XXXX XXXX , XXXX has received full payment of HOA, full payments was made on XX/XX/2018 with statements payment for XXXX XXXX XXXX XXXX Fl XXXX and Payments for XXXX XXXX XXXX. Check made out to XXXX cashed XX/XX/2018, both property paid in full. Theres no law that requires me to pay a third party debt collector! No contract with XXXX Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX, XXXX! Please correct account immediately! Attached copies : check, Claim of Lien, Notice of Contest of Lien and Summon. I will further pursue all of my legal remedy without further notice to XXXX XXXX XXXX XXXX and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2018-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A