Date Received: 2017-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Received letter out of the blue. Years ago, advise not to pay XXXX XXXX. Now, at least 20 years later, a letter. Need advise Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been receiving bills from a debt collector who is acting of behalf of XXXX . The debt collector is called Convergent. The debt is from 2008. The issue I had was my account was broken into and my personal information stolen resulting in erroneous charges being made to my account over a 9 month period. The charges were for a subscription I never signed up for. Subsequently my personal information was used to make other charges resulting in me having to close my checking accounts. When I approached XXXX with what had been going through I was told by one of the Sales Managers that they would credit my account for the erroneous charges however they could do nothing to stop the charges from being charged to my account. After nine months of this kind of treatment I closed my account in XXXX of 2008. My issue is it is still showing on my credit report. The last report pulled was from XXXX in which I was denied credit for what they called a serious delinquency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95136
Submitted Via: Web
Date Sent: 2017-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received a total of seven calls from Convergent Outsourcing. I do not owe any money. I have submitted numerous complaints now to the CFPB to try to stop these calls from various other debt collection agencies. Since getting my new cell phone over a year ago, I have been plagued by calls from debt collection agencies because apparently the number is somehow connected in the debt collection agencies ' computer systems to some other person 's number who has debts. The response from the debt collection agencies is always the same : " We have no record of having called your number. '' But they are calling me! Here is a list of all the calls I have received from Convergent Outsourcing ( all times are in Eastern ).
XXXX / XXXX /2017_ XXXX _ET | XXXX / XXXX /2017_ XXXX _ET | XXXX / XXXX /2017_ XXXX _ET | XXXX / XXXX /2017_ XXXX _ET | XXXX / XXXX /2017_ XXXX _ET | XXXX / XXXX /2017_ XXXX _ET | XXXX / XXXX /2017_ XXXX _ETCompany Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I check my credit report every few days and noticed a collection listed on my credit report on a debt that I am not aware
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Shown below are messages sent to the debt collector XXXX XXXX XXXX (XXXX XXXX XXXX XXXX/XXXX XXXX XXXX; XXXX, XXXX XXXX; XXXX). This issue is the following: I am a landlord and the debt is for on of the units I own. I have never lived at the location of the dept. Each of my tenants receive their utility bills directly to them. The utility payment is not included in the rent. The utility company should attempt to collect the debt from the tenant at the location of the debt. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX.XXXX Home XXXX XXXX Cell XXXX XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX From: XXXX XXXX XXXX Sent: Wednesday, XXXX XXXX 2017 XXXX XXXX To: #XXXX Cc: XXXX XXXX XXXX Subject: Re: Dispute I received a letter for Convergent dated XX/XX/2017. Please consider this my response to the consumer information guidance on the reverse side of your letter. I dispute the total validity of this debt. Request to receive verification of the debt and or obtain a copy of a judgement ( I asked for this information in my message below). Receive a copy of such judgement. As a solution to this issues I recommend the following: have the Creditor determine the party who used their service(s) and pursue collection of debt from them. For my protection, I am forwarding a copy of this message to the Consumer Protection agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX.XXXX Home XXXX XXXX Cell XXXX XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX. From: XXXX XXXX XXXX Sent: Wednesday, XXXX XXXX, 2017 XXXX XXXX To: #XXXX Cc: XXXX XXXX XXXX Subject: Dispute I received a call from Convergent XXXXX17. I informed the caller that I have no debt due to Consumers Energy to my knowledge. I have never resided at the residence in questioned where the debt is assigned. I asked for documentation. I was told it would be sent. I have not received it. In response to the information you need to investigate the dispute. Identify the specific information that is being disputed. I don't have an outstanding obligation. Explain the basis for the dispute. I don't have a basis. I did not raise the issue. Include all supporting documentation to substantiate the basis of the dispute. I have no supporting information. Please contact me if necessary. I will be as responsive as possible to resolve the dispute. Have a good day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Home XXXX XXXX Cell XXXX XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49546
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I got just XXXX cell phone line through XXXX on XXXX XXXX , 2016 . The agreed monthly payment was {$50.00}. I paid {$53.00} at the time when I got the phone. Before the end of XXXX , I received the first bill for over {$100.00}. I sent the agreed on {$50.00}, and inquired what the additional amount was for. They did not reply, but sent the next bill for over {$100.00}. Again I sent and asked why they were charging me those extra money, but they never replied. Again I sent another {$50.00}, and this went on for weeks with no reply from them. I sent in the {$50.00} payment for XXXX , but they cut the phone off on the XXXX of XXXX and kept raising the bill, until now they are sending me bill for over {$500.00} and even sent the bill to a collection agency so they can collect the over {$500.00}. Not sure what to do at this time, because I am a senior and they are only trying to rob me! Also XXXX XXXX sent out advertisement for TV in my area. I have them come out and did the installment after they informed me that the service will ha ve 20 channels including those in my area. The technician who did the work assured us that all my channels are somewhere there, but when we searched, they gave me a lot of channels that were not in this area. They refused to come back and take their equipment, but just sending me bills for hundreds of dollars. I informed them from I discovered that they cheated me, although I paid them about three months, and sent in a complaint for them to give me my local channels, or take their equipment ; the onl y reply from them is the high bills. Please do what you can to assist me at this time. Thank you so much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2017-06-18
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 was paid
Consumer Complaint: XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$450.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$XXXX} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes this account information I paid the OC XXXX in XXXX XXXX, XXXX. By law, XXXX must recall the account from Convergent and they have no legal reason to report on your 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: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is against Convergent Outsourcing , Inc, says credit is XXXX XXXX XXXX client account # XXXX - convergent acct # XXXX says owe {$1400.00}. I do not owe this, I have had issues in past years with my common name even at my dental office pulled wrong chart. There are 4 people in my town alone with same name. I for this reason froze my credit reports years ago and have not opened any credit card accounts. I have copies which I request yearly from credit bureaus this is not my debit. I get tired of trying to prove who I am that was another reason for credit card freeze. I wrote them letter XX/XX/XXXX, 2017 and all that did was make them send me another collection notice on XX/XX/XXXX, 2017. I have advised them I have contact credit bureaus possible identity theft and Federal trade commission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30143
Submitted Via: Web
Date Sent: 2017-06-12
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 was paid
Consumer Complaint: account was settled {$660.00} for {$360.00} and paid as of XXXX XXXX , 2017 and was deleted by XXXX XXXX with XXXX and the debt was re inserted into my credit report with XXXX by XXXX XXXX again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Their was a Derogatory Remark about a Collection put onto my credit report with all XXXX credit reporting agencies. The remark indicates that I owe XXXX {$3800.00} and this account is now in collections. - I have never had an account opened with XXXX , and there is no credit account open on my credit report with XXXX . - I have also never been contacted by the collection agency, Convergent Outsourcing, about this or any other collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A