Date Received: 2017-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: PREVIOUS CASE NUMBER WITH CFPB :XXXX CREDITOR HAD ALREADY AGREED TO REMOVE DEBT AND NOT COLLECT AND NOW THEY ARE TRYING AGAIN AND BREAKING THEIR AGREEMENT Company 's response Thank you for contacting us and allowing us the opportunity to address your concerns. We strive to conduct our business in accordance with all applicable laws without ever compromising our guiding principles of integrity, service, dedication, respect, and accountability. We appreciate the feedback you have provided and the opportunity in allowing us to address your concerns. Upon receipt of your concerns, we immediately commenced an internal investigation and to review the events that facilitated your concerns. During the course of our investigation, we have discovered that the policies and procedures we have in place to protect consumers were followed accordingly. The primarily purpose of these policies and procedures are to protect our consumers as we make every conscious effort to abide by all applicable laws to our business. Furthermore, I would like to provide you with the following facts regarding your concerns : '' An unknown collection was just recently filed to my credit report. I have no clue who the collection agency is, who they claim the original creditor is, or what the debt is for. '' o Our records reflect our representative spoke with you on XX/XX/XXXX regarding the outstanding balance with our client, XXXX XXXX, for unreturned equipment. A collection notice was sent to the address we have on file the following day. Included with our response, we have provided a copy of the letter for your records. The document is password protected with the last 4 digits of the social security number on file. " They purchase the inquiry information from the credit bureaus, and then they look in every database available to see if they can find something to file against your credit. '' o We do not purchase credit inquiries from credit reporting agencies. XXXX XXXX placed your account in our office for collection efforts as of XX/XX/XXXX. Per our contractual agreement with our client, we report collection accounts to XXXX. " I filed bankruptcy several years ago and have not owed any outstanding debt since being discharged back in XX/XX/XXXX. '' o The services you had with XXXX XXXX were disconnected on XX/XX/XXXX, therefore this balance did not show as outstanding and owed to XXXX in XX/XX/XXXX. " XXXX is the only credit bureau that is reporting the information. It appears that XXXX & XXXX did n't report the account due to lack of validation. '' o We only report collection accounts to XXXX therefore this account will not appear on your XXXX or XXXX credit reports. Upon notification of your concerns, we requested XXXX XXXX to provide documents supporting the validity of the debt. A copy of this documents have been provided with our response. The document is password protected with the last 4 digits of the social security number on file. Although generally we would not honor a request to remove a legitimate account from a consumer 's credit report, after review of your account and disputes filed with XXXX XXXX directly prior to placing the account in our office, we believe your case is unique and warrants an exception to our normal business practices. Please be advised the aforementioned account has been removed from your credit report as of XX/XX/XXXX. In conclusion, we hope that you accept our explanation by considering that upon receipt of your concerns, we immediately escalated the situation and have met your desired resolution. If you have additional questions or need further clarification, feel free to contact me by email at XXXXXXXXXXXX or by phone at XXXX ext. XXXX. Sincerely, XXXX XXXX Director of Compliance XXXX XXXX , XXXX . This communication is from a debt collector. Desired resolution has been met. Collection efforts have ceased. Account has been closed and returned to creditor. ATTACHMENTS XXXX XXXX Privacy Act Statement OMB # XXXX Have a question? XXXX? ( XXXX ) XXXX An official website of the United States Government
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ATTENTION DISPUTE DEPARTMENT : CONVERGENT Coi Opened XX/XX/XXXX + {$380.00} Original creditor : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CONVERGENT I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I cancelled my service with XXXX 2 months ago and paid my outstanding balance. The clerk on the phone verified everything was balanced. Now I 've recieved a collections letter from Convergent Outsourcing asking for {$160.00} on the behalf of XXXX . I have never missed a payment for the 3 years I was with them. I never recieved a notice of any kind from XXXX that I owed them more money, so I did n't even get an opportunity to dispute or enquire about the charges before my account was sent to collection. Is n't that an illegal practice? So far I have sent a letter to Convergent in response to this matter. Apparently XXXX is doing this to many consumers, which unfairly affects people 's credit scores. I have done research, ( XXXX BBB and CTW for XXXX complaints ), that verifies many complaints about XXXX billing and collection practices. For anyone dealing with XXXX or thinking about doing so, beware. I encourage anyone to XXXX complaints for this company as the in formation is very informative. How do they get away with this?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 745XX
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I saw this on XXXX XXXX and disputed it please send me a letter and in that letter you asked to put in someone else 's information so that is violating HIPPA law IT has personal information of the other party so I tried contacting them and are they tell me was that they were sorry and they wanted me to send it back to them immediately. They were giving me the runaround I called the number that was on the letter apparently that was a wrong number to the routed me to someone else I 'm supposed to that person and I he tell me he was to send it back. They were being and uncooperated I told them that I was going to call the CFPB because it was a big violation that I thought needed to be reported. On the other bill it 's not even my first name is spelled A different way and I have no reconition of the account so I want it off my credit report. And as I was looking at it it 's over seven years old. The only resemblance that we would have is the address street fees XXXX just like mine but im in XXXXand she is in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: At first, XXXX XXXX and XXXX put a negative remark on my credit report using all XXXX credit bureaus. This was in XXXX XXXX . They said that I owed {$300.00} to XXXX . I had disconnected XXXX service effective XXXX XXXX . There was nothing owed to XXXX I wrote to XXXX XXXX and XXXX and they removef the negative remark. The n Conergent Outsourcing collection company came along and added a derogatory remark for the a mount of {$300.00} for the same non-existent XXXX bill. I have disputed and this erroneous bill on my credit report but, it stays there. I also wrote to Convergent Outsourcing about this bill and they did not take it off. Convergent Outsourcing was unable to provide a bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received en email from XXXX XXXX XXXX XXXX XXXX The email was asking for personal info as well as trying to get me to download a .pdf and/or update my XXXX XXXX which should never be done except directly from XXXX to be safe. I called them and eventually heard they were trying to collect a debt that a previously did owe and have paid. They refused to supply any BBB info or any way to verify them with the state or a license number. So, I contacted the bank they said I owed money to just to verify that the account was paid in full and NOT in collections. It was, of course, paid as I recalled.
The info from the email I was sent included contact info ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXXCompany Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 837XX
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX Claims I owe a XXXX bill, I do n't use XXXX I use XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 25701
Submitted Via: Web
Date Sent: 2017-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-14
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I am divorced from a very XXXX man it has taken me 6 six years to free myself from him, this company found my Ex-husband looking for me. He went to my work today, however my employee knows of the XXXX and would not let him see me. he than waited by my car to tell me the company contacted him looking for me. This man is abusive physically and mentally by them calling they have now put my life in danger. I work in a place that now has to watch out for my visitors. How can they be allowed to just risk a persons life without finding out the details. This is awful from this point on I will be documenting all contacts with the company, if something should happen to me it will be on them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92399
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Cable service has sent convergent XXXX # XXXX a report of past due bill {$100.00} and have resubmitted back to the credit agencies on XXX 2017. XXXX XXXX has either paid that bill or it is n't her 's and would like to dispute the charge and remove it from her credit reports..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am receiving phone call from a place called convergent XXXX inc. telling me I owe money to XXXX XXXX XXXX XXXX . The number they are calling me from is XXXX . I called XXXX and they assured me they are not using this place as a collection agency. They never heard of them. They called me a couple of weeks ago and again today XXXX 2017. I worked hard all my life and am now retired with a XXXX credit score. Do n't want a place like this to ruin it for me. Need your help to stop this scam
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47025
Submitted Via: Web
Date Sent: 2017-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A