| 08/02/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear CFPB, Im a consumer who has been substantially harmed by XXXX, through collections practices that I believe violated the Fair Credit Reporting Act, the Fair Debt Collection Practices Act ( FDCPA ), and I would argue that the pattern of conduct described below represents a clear example of an Unfair, Deceptive, or Abusive Act or Practice.
I had an internet account with XXXX, which I closed when I moved out of XXXX XXXX area, circumstances that XXXX service agreement states is allowable without paying an early termination fee ( ETF ). I was clearly within my contractual rights, per the terms of the XXXX XXXX agreement to terminate my service and not pay an ETF ( see below for details ), when I canceled due to a residential move that took me to a region of California not serviced by XXXX. A XXXX representative agreed, in writing, that I did not need to pay an ETF ( see attached email ), nevertheless, due to XXXX problematic business processes and systems, XXXX attempted to charge me {$100.00} for an ETF. When I refused to pay the ETF, XXXX sent the balance to a collections agency and placed negative information on my credit report.
I have subsequently been subject to abusive collection practices for more than two years, and have had factually incorrect negative information reported to my credit report not once but twice. I successfully disputed this matter with the credit agencies once, only to have XXXX and their collection agencies restart the process again, resulting in negative information on my credit reports which I have not been able to remove. The factually incorrect negative information, severely harmed my ability to obtain a loan for the purchase of a home and limited my choices in a recent home purchase. It is utterly unacceptable that XXXX has harmed me to that degree for {$100.00}, which I never owed.
I have made numerous attempts to resolve this matter with XXXX, and their collections agencies, both XXXX and their collections agencies have refused to resolve the matter, despite the fact I have had documentary evidence, from a XXXX employee, that proves I have never owed an ETF. Following years of harassment and stress, I agreed to pay XXXX the fee which I never owed, simply to make the matter go away. XXXX did not explain at the time, that they viewed my payment as an agreed settlement, which it was not.
XXXX and their collections agencies have refused to correct the factually incorrect negative information they reported to credit bureaus. I continue to suffer harm, years later due to XXXX system error for {$100.00}. I would like to request your assistance in resolving this nightmarish situation.
The facts of the situation are as follows : Account number XXXX XXXX XXXX XXXX Timeline : Internet service was started approximately, XXXX XXXX XXXX, and was terminated when I moved out of the area on XX/XX/XXXX.
Facts Associated with Item Being Disputed : In late NXXXX XXXX I went to a XXXX office to close my internet account, the account closure was due to my residential move, at the time I moved to another region of California not served by XXXX. XXXX XXXX, XXXX XXXX charges early termination fees ( ETF ), when canceling service, except under certain circumstances laid out in the service agreement. While I do not have the exact version of the service agreement that I agreed to, it is substantially similar to the current agreement which can be found here ( https : XXXX ) Section 3.3 of the agreement states You will not be responsible for paying an ETF if you terminate this Agreement.. if you disconnect any XXXX XXXX XXXX you are receiving at any time during the Term for one of the following reasons : ( iv ) you move outside a XXXX XXXX area or into a Bulk Property and provide XXXX appropriate documentation of move.
When I terminated my XXXX XXXX in XXXX I was aware of the fact that I should not be charged an ETF because I was moving out of the XXXX XXXX area. My new residence was in XXXX XXXX, California which is not a XXXX XXXX area. I did not expect to owe an ETF due to my residential move out of XXXX XXXX area.
On XX/XX/XXXX I received an email from XXXX stating I owed {$100.00}. See Exhibit A.
On XX/XX/XXXX, I went to the XXXX XXXX in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX to discuss the fee on my account and ensure my account was closed with no balance owed. I spoke to XXXX XXXX who told me there was an issue with closing my account.
XXXX explained that the computer was showing my account had a balance of {$100.00} due to an early termination fee. XXXX explained that the fee was an error because there is no applicable early termination fee ( ETF ) under the customer agreement when a customer is moving to an area that XXXX does not service. To ensure I had an audit trail of the conversation and to avoid further confusion, I requested the XXXX staff member send me proof of cancellation and a statement that would state I do not owe the remaining balance. The XXXX employee sent me an email stating that the EFT was waived and that I should not receive any emails from XXXX regarding a balance. The email was sent from XXXX at XXXX. Exhibit B.
I considered this matter resolved In early XXXX I began to receive repeat phone calls, once, often twice a week, froXXXX XXXX a collections company stating I still owed a balance to XXXX.
In that same time frame I also received 3 emails from XXXX stating my account had a balance.
With each collection call, I told the collections agent that this was an error, that I disputed the matter and that I did not owe the {$100.00}. I offered to send them the written proof from a XXXX employee that I was not responsible for any charges or fees but each representative told me to contact XXXX, and that XXXX had to remove the amount. I told each collection agent who called to stop calling me about this fee because I was disputing it with XXXX.
My understanding of the Fair Debt Collection Practices Act ( FDCPA ), based on the CFPB website is that Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part until the debt collector has provided verification of the debt in writing to you.
I had clearly disputed the debt in question, the calls continued, which I view as a violation of the FDCPA.
During this time frame, I repeatedly called XXXX, the XXXX employee at the XXXX XXXX store and he continuously reassured me that this was a mistake and that it should be cleared up. I also called XXXX corporate number to clear up the misunderstanding. The representatives I spoke to would tell me that they did not see the fee as resolved or disqualified and they refused to review the email proof from XXXX. Each representative told me they would have someone review my account and that someone would call me back. No one ever called me back regarding this issue. Each of the calls were recorded and documented by XXXX but XXXX has refused to share the documentation.
The harassing collections phone calls continued, in XXXX XXXX, I put in a request with XXXX XXXX XXXX XXXX for them to review the account balance to correct their collections error. I received a confirmation email from XXXX on XX/XX/XXXX. See Exhibit C.
On XX/XX/XXXX, I received an alert from XXXX XXXX stating my score dropped and that I had a negative report on my XXXX credit report. Upon checking, XXXX XXXX XXXX XXXX, the collections agency for XXXX had furnished negative information on my credit report.
As previously noted, I had disputed this matter directly with XXXX and with XXXX, despite my dispute, factually incorrect negative information was placed on my credit report, I view this as a violation of the fair credit reporting act.
On XX/XX/XXXX, I sent documentation to the XXXX receivables management team stating I did not owe the early termination fee and that XXXX was incorrectly sending to collections and subsequently furnishing negative information to my credit report. See Exhibits D.
On XX/XX/XXXX, I received an alert from XXXX XXXX stating that I had a negative report on my XXXX credit report which was also for the XXXX fee. See Exhibit E.
On XX/XX/XXXX, I received XXXX determination that the dispute was resolved in my favor. The creditor, XXXX, agreed to delete the negative information related to the matter from my credit and that the contract related to it was canceled. See Exhibit F.
This seemed to resolve the issue. The negative information related to the incorrect collection was removed from my credit reports and the calls stopped. I won the dispute, I viewed the matter as resolved.
A year later on or around XXXX XXXX XXXX XXXX XXXX, I received a call from a 1-800 phone number I did not recognize. The agent on the line asked me to state my name and provide my social security, claiming they have an important message. I provided my information and they stated that I was in collections, and they were trying to collect the fee related to my XXXX account. I informed the agent that I was not responsible for the fee, the matter was already handled, that it was disputed and I had prevailed in the dispute and not to ever call me again.
The collections agency in question was Convergent The harassing phone calls from Convergent, the collections agency, continued on a regular basis, despite my having informed them that the matter was disputed, and that the dispute was already resolved in my favor.
As noted above, my understanding of the Fair Debt Collection Practices Act ( FDCPA ), based on the CFPB website is that Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part until the debt collector has provided verification of the debt in writing to you.
I had clearly disputed the debt in question, the calls continued, which I view as a violation of the FDCPA.
I called XXXX again and explained that there was an error but none of the representatives were responsive ; each representative stated that I was responsible for the fee and that I needed to pay it. I called XXXX several times over a period of months.
I filed another dispute with XXXX but this time it was denied.
After months of harassment and resulting stress, I grew so sick of the harassment, and I did not want my credit being affected so I called XXXX on XX/XX/XXXX, and agreed to pay the balance, on the condition I would only make the payment if the negative information related to the collection would be removed from my credit report. The representative told me it was actually {$69.00} and wasnt sure where the {$100.00} was coming from. In that moment, I paid what she told me to pay, which was {$69.00}, so that I could fix the problem and be done with it. The agent stated that within two weeks, the negative information on my credit report would be removed. Exhibit G.
I stopped receiving collection calls after making the payment.
In XXXX XXXX my spouse and I applied for a loan for a home, I was informed that I have a negative collection report on my credit report from XXXX and found that it has significantly decreased my credit score, and that I would not qualify for the loan I had applied for.
I called the collections agency and inquired why a negative report remained on my credit, if I paid XXXX the balance. They explained that although I dont owe a balance, the collections report will remain on my credit report for 7 years and the only way to remove it is to have XXXX write a letter to the agency stating they agree to remove the collection. The collections agent stated that at this point there was nothing left for them to do.
On or around XXXX XXXX XXXX I called XXXX and asked them to send a letter to the collections agency asking them to remove the collection report from my credit. I also asked the agent why I paid the {$69.00} if the collection report remained on my credit report. The agent informed me that XXXX would not write the letter. She stated that the amount I paid was an agreed upon amount to settle the debt but that the collection report would remain on my credit for the full 7 years. I explained to her that the previous agent I spoke to told me to pay the {$69.00} because that was what I owed, not because it was an agreed upon payment to settle a debt. The agent was unable to provide me with any further assistance.
My original credit score prior to the dispute with XXXX was XXXX, but because of this dispute with XXXX, my current credit score is at XXXX. This decreased score has had a negative impact on my ability to obtain a loan and find a decent place to live and has erased all the hard work I did to keep my credit score excellent, without the negative information I would have qualified for a loan and been able to buy a better home than the options I had to settle for.
Over the past two years, I have made more than 50 calls to XXXX begging them to fix the issue, caused by their systems and processes. I have had written confirmation from a XXXX employee since the start of the saga, that I never owed XXXX an ETF. As previously stated, Section 3.3 of the XXXX service agreement allowed me to cancel my service without paying a fee. XXXX violated the terms of that agreement by wrongly demanding that I pay them a fee. XXXX then compounded the damage by sending the erroneous fee to collections, and subsequently furnished negative information to the credit reporting agencies. I view this as a breach of contract, a clear violation of the FCPA, the FDCPA and a clear example of an Unfair, Deceptive, or Abusive Act or Practice.
I demand that XXXX immediately provide letters and any other documentation needed to remove the negative information from my credit report with all the credit reporting agencies. Additionally, I demand a refund of the {$69.00} that XXXX wrongly charged me, I was under so much stress that I feel I was extorted for the amount. I have attempted to resolve this directly with XXXX and have been unable, after nearly 3 years to do so, I respectfully request the CFPBs assistance in resolving this nightmare.
Sincerely,
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| 04/28/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Convergent Outsourcing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA. XXXX Attorneys for the Securities and Exchange Commission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Securities and exchange Commission XXXX XXXX XXXX, XXXX XXXX XXXX, Pennsylvania XXXX United States District Court for the District of Maryland Subject : Cease and Desist Respondent, XXXX received the attached document in the mail regarding an alleged debt owed to your client XXXX XXXX. XXXX XXXX is said to have been the original holder of this alleged debt. Prior to receiving this letter, Respondent has never heard of XXXX XXXX nor has he had any form of business relationship with them. Respondent does not owe this debt. To date, Convergent Outsourcing has not provided the original documents bearing Respondents signature and the date of the alleged transaction as required by the Fair Debt Collections Practices Act, 15 U.S. Code 1692 ( 1978 ). Upon performing research on all the entities cited herein, the two primary entities, XXXX XXXX XXXX and XXXX XXXX no longer exist. Thus, the history of this debt may not be verifiable and one the entities cited ( XXXX XXXX XXXX XXXX ) lacks credibility and several of the alleged creditors involved have been convicted of fraud and other criminal activities and were sentenced to more than 20 years of imprisonment.
Firstly, XXXX Bank was purchased by XXXX XXXX XXXX on XX/XX/XXXX, 18 years ago. Thus, any debts written by XXXX XXXX are not being collected by XXXX XXXX XXXX now. This is confirmed by XXXX XXXX XXXX. XXXX XXXX XXXX has stipulated that they have no interest in collecting any such alleged debt. Notwithstanding the tolling of Va. Code Ann . 8.3A-118 ( 2017 )., Virginias statute of limitations law, which is six years in most cases, the validity of the debt can not be established and verified with the requisite documentation pursuant to the Fair Debt Collections Practices Act.
The alleged debt cited herein was said to have been purchased first by XXXX XXXX XXXX, XXXX from XXXX XXXX. On XX/XX/XXXX, the Securities and Exchange Commission secured an emergency asset freeze, estoppel, to mitigate damage sustained from the fraudulent Ponzi-like scheme perpetrated by XXXX XXXX XXXX owners, XXXX XXXX, XXXX XXXX, and XXXX XXXX and named entities, as conspirators under investigation, as well as holders and controllers of the company ( s ) and its ill-gotten gains. As stated in the SEC complaint, the defendants created fake debt to sale to other entities and to show potential investors the debt that they would purchase with the monies obtain. The complaint specifically illustrates the fraudulent intent of the conspirators stating, This matter involves an offering ( of ) fraud by Defendants XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX that raised more than {$340.00} XXXX from over 230 investors to purchase consumer debt portfolios. From at least XXXX to present ( XXXX ), Defendants operated this Ponzi-like scheme that involved, among other things, securities offerings rife with misrepresentations, fake debt, forged signatures, fabricated wire transfers, the movement of millions of dollars into personal accounts, and an elaborate scheme wherein Defendants offered and sold investments in the same and often fictitious debt and or debt portfolios, to multiple victims.
As XXXX XXXX XXXX, XXXX is the first link in the chain of debt collectors it is also the weakest link in the chain of debt collectors. This companys prime motivation was not debt collection, but fraudulent debt creation for the purpose posing as collectors to acquire large sums of capital, {$340.00} XXXX from 230 unwitting investors, to purchase debt portfolios from nonexistent creditors and debtors. As established herein, XXXX XXXX XXXX, XXXX lacks credibility to further collect or recommend that any debt should be collected. The documents passed to the next credit collection entity should, at the very least, be considered suspect as this company created documents and forged signatures in the furtherance of a felonious scheme. This is not an accusation ; it is a fact proven by the United States Securities and Exchange Commission. Additionally, the court has ordered the assets to be managed and secured under receivership. This order specifically states, Except as otherwise specified herein, all assets of Defendants and Receivership Parties ( collectively, " Receivership Assets '' ) are frozen until further order of this Court. " Receivership Assets '' means assets of any and every kind whatsoever, including without limitation all assets described in this Order, that are : ( a ) owned, controlled, or held, in whole or in part, by or for the benefit of any of the Receivership Parties ; ( b ) in the actual or constructive possession of any of the Receivership Parties, or other individual or entity acting in concert with any of the Receivership Parties ; ( c ) held by an agent of any of the Receivership Parties, including as a retainer for the agent 's provision of services ; or ( d ) owned, controlled, or held, in whole or in part, by, or in the actual or constructive possession of, or otherwise held for the benefit of, any corporation, partnership, trust, or other entity directly or indirectly owned, controlled, or held, in whole or in part, by any of the Receivership Parties, including assets that have been transferred to other persons or entities but as to which assets such persons or entities do not have a legitimate claim. For the avoidance of doubt, the " Receivership Assets '' include all assets owned, controlled, or held, in whole or in part by, or in the actual or constructive possession of, or otherwise held for the benefit of the XXXX XXXX XXXX XXXX XXXX XXXX Revocable Trust.
The next link in the chain of collectors is XXXX XXXX. The documents supplied to Velocity for the purpose of collection were supplied by XXXX XXXX XXXX which is known for producing fraudulent documents to enhance the apparent value of a given portfolio. XXXX either knew or should have known that the paper they purchased had no actual value. Then XXXX XXXX sold the alleged debt to Convergent Outsourcing. Convergent may not be aware of the fraudulent history of the companies who supposedly purchased or created the debt originally, but they have been informed herein.
Additionally, any attempt to collect on the debts promoted by this company, XXXX XXXX XXXX, could well be considered in violation of the estoppel court ordered by the U.S. District Court for the District of Maryland in XXXX. If so, then this attempt to collect on a fraudulent debt is in the furtherance felonious acts previously brought to and sustained by the U.S. District Court for the District of Maryland and may well be subject to Racketeer Influenced and Corrupt Organizations Act of 1970 ( RICO ).
Considering RICO requires that four elements be present : a. A pattern of racketeering activity- SEC has proven various forms of fraud to secure money for the continuity of the enterprise. The sale of this alleged debt would have been for the continuation and continuity of the XXXX XXXX XXXX criminal enterprise. Thus, any entity further attempting to collect on said debt is contributing to the continuity of the previous criminal enterprise.
b. A culpable person with the requisite mens rea or intent- Clearly XXXX XXXX XXXX intent is realistically demonstrated by forged signatures and documents and the culpable persons are named herein. Convergent now becomes a culpable entity in the criminal enterprise or organization.
c. An enterprise - The enterprise is XXXX XXXX XXXX, XXXX. Et al now including Convergent Outsourcing.
d. An effect on interstate commerce The attempt to collect this debt by Convergent Outsourcing has crossed state lines as Respondent is currently a resident of Georgia and was a resident of XXXX during the approximate time that this debt is alleged to have been incurred. Additionally, XXXX XXXX Management operated without regard to state lines as it fraudulently collected {$340.00} XXXX from 230 unsuspecting victims around the country.
As previously noted, Convergent Outsourcing has not provided the Respondent with the documents proving the legitimacy of the debt. Convergent Outsourcing may be forced to disclose and is hereby warned not to destroy any documentation or electronic records regarding this or other debts it seeks to collect relevant to XXXX XXXX XXXX or other related entities. Pursuant to 18 U.S. Code 1968, Whenever the Attorney General has reason to believe that any person or enterprise may be in possession, custody, or control of any documentary materials relevant to a racketeering investigation, he may, prior to the institution of a civil or criminal proceeding thereon, issue in writing, and cause to be served upon such person, civil investigative demand requiring such person to produce such material for examination. Convergent Outsourcing may well be forced to provide the documents to the appropriate state and federal judiciaries, as well as other federal authorities including the Securities and Exchange Commission and the Consumer Financial Protection Bureau. As such, culpability may extend to Convergent Outsourcing pursuant to 18 U.S. Code 1006, by participating or sharing in or receiving any money, profit, property or benefits One may note the disclosure of to whom this document has been sent. It is this Respondents intent to expose to the Securities Exchange Commission, the Federal Trade Commission, the Department of Justice, as well as, the U. S. District Ct. District of Maryland and others, of the possibility of other entities attempts to circumvent the order of the court for the purpose of continuing to gain from and affirm the continuity of the fraudulent acts perpetrated by XXXX XXXX XXXX XXXX XXXX by default or with knowledge this is notice to all involved.
The respondent respectfully requests that this correspondence be acknowledged in writing such that a record may be maintained for future references.
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| 01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : Convergent with account # XXXX for the amount of {$1300.00} please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual.
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.
The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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| 01/23/2024 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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My original contract was with XXXX since they now merge with XXXX. Convergent Outsourcing, inc violated my right as a consumer. My Account number XXXX. WAS PAID OFF. I have called several time and they keep telling me to call XXXX and I have called XXXX which they have merge with XXXX and no one has my account.
I am writing to report on various violations of the Fair Credit Reporting Act ( FCRA ) from the following organizations, Convergent Outsourcing Inc, ( further known as DEBT COLLECTORS ) and XXXX, XXXX and XXXX ( further known as CREDIT REPORTING AGENCIES ). First, all companies, including DEBT COLLECTORS, have agreed to follow the regulations to protect consumers ' information. The information that is shown on the consumer report has adversely affected my life as it bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics and mode of living. The violations are as followed : Opt Out Laws - Exhibit A shows an example of a letter sent to the debt collectors expressing my choice to opt out. 15 USC 1681 section 604 ( a ) section 2 states that In general subject to subsection, any consumer agency may furnish a consumer credit report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. The CREDIT REPORTING AGENCIES and DEBT COLLECTORS do not have, nor did I ever give, my permission to and written or any other consent to furnish this information. Any and all consent to the CREDIT REPORTING AGENCIES and DEBT COLLECTORS for these collection items have been revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non disclosure option. The DEBT COLLECTORS never informed me of my right to exercise my nondisclosure option. To add, this account is an adverse item that is in violation of of USC 1681 ( c ) ( 5 ) which states : Except as authorized under subsection ( b ), no CONSUMER REPORTING AGENCY may make any consumer report containing any of the following items of information : Any ADVERSE item of information other than records of convictions of crimes which antedates the report by more than seven years. Further, the credit reports shows information that falsely represents the DEBT COLLECTORS as ATTORNEYS. These agencies are not attorneys and should not appear as falsely representing themselves in accordance with Title 15 USC 1692. It is stated that every consumer reporting agency shall maintain reasonable procedures when there is cause for information to be inaccurate. 15 USC 1681 ( a ) states A person shall not furnish any information relating to a consumer to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate. All of this is also in violation of the Privacy Act of 1974. The CREDIT REPORTING AGENCIES are not maintaining reasonable procedures to avoid violations of for fair credit reporting. Per 12 CFR 1026.7, According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Per my right Privacy Act of 1974 Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you writing unwritten verbal and nonverbal per 15USC 6802. Original Creditor XXXX.
|
| 01/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
A company that identified itself as " Convergent '' ( collections agency ), that calls from and answers phone number ( XXXX ) XXXX called me on XX/XX/XXXX at XXXX XXXX about a debt that they stated was from " XXXX ''. They never sent me any letter of a debt ( neither has XXXX ), and I have only been dealing with this and notified over telephone. THERE HAS BEEN NO PROOF THAT THIS EXISTS FROM ORIGINAL CREDIT OR THE COLLECTION AGENCY in writing, to determine why and how this even incurred. I also currently have XXXX as my phone carrier with a {$0.00} balance ( I pay my bills on time!!! ) ... they do not have access to any pertinent information.
1 ) I let the person that called on XX/XX/XXXX at XXXX XXXX know that I did n't even know I owed a debt to XXXX, as I have a current account with XXXX and never received a bill or notification that a debt was owed. She was unsure why and I let the representative know that I would have to call her back ( I was driving and not able to look up any specific details, but my wife was witness to this phone call as it was on speakerphone and it should also be recorded as it was stated by the representatives for the company that " all calls are recorded '' ). The representative advised me that she would open a dispute to investigate this further, but advised me that this would be reported within 45 days of the company getting the account. This allows the company to report to the credit agency, even during a dispute that would result in, if done accurately, the agency finding out that this dispute is, in fact, relevant and non-frivolous. She assumed I was supposed to believe that this alleged debt was true, although I have not received or been sent anything in writing.
2 ) On XX/XX/XXXX at XXXX XXXX, I called this company again to see what I could do about this debt, as I am trying to buy a house and did n't want the debt to report to my credit, even if I was n't sure why it existed in the first place. I wanted an idea of the options available for this specific alleged debt, before I did more research about the debt ( I am still unsure about its validity ). I was told that they would settle the amount for {$900.00} and some dollars, although the debt was approximately {$1300.00} as stated from a female representative. I told the representative that I was not able to do this. She then took personal information about my finances that I gave with absolutely no question, and the representative of the company returned stating they would " settle '' the debt for {$790.00}. She stated they would report it to my credit " on or about 45 days '', and would n't be able to verify that if I paid this unverifiable debt within 45 days that it would n't be reported on my credit. She stated they received the debt on XXXX XXXX, and could n't guarantee that it would n't be reported on XXXX XXXX, although the furnisher laws and FCRA state that the company requesting the information must only report information that they know is valid. The company stated that they would request to send a bill ( which I have n't received ) but the bill will get to me in 60 days ( although they are required to get the bill to me within 5 days in writing ) of proof of the debt. They stated by the time I get this bill, they would have already reported it to my credit, without verifying its accuracy. I let the representative know that I could n't do this right now ( as I wanted to do more research and do not want to pay a debt if it does n't exist ). She stated if I did n't pay it - they would n't settle with me or help me at all try to resolve this and that they would damage my credit. I ended the conversation on that threatening note.
3 ) After this phone call, I spoke to a manager named " XXXX '' at XXXX XXXX and another representative named " XXXX '' at XXXX XXXX ( XXXX, call 1 ) and again at XXXX XXXX ( XXXX, call 2 ). XXXX told me to call back and see on that day in response to the information given in clause 2 of this complaint to avoid the debt from hitting my credit report. When I called XXXX at XXXX XXXX, I simply asked her to send me something in writing verifying this debt as I have not received anything. She stated that she has " 30 to 60 days '' to request something and get it sent out in writing, and would not send it via any other method. I immediately contacted my retained counsel, who told me to call back and advise the company that according to the Fair Credit Reporting Act, they have to get me this information within 5 days, and are not allowed to report to my credit until I have a chance to receive this information. I called back at XXXX XXXX and was transferred to XXXX again. I informed her what my counsel had said, whereas she began yelling at me in a threatening tone, that she was going to follow their " company 's policy '' which is in direct violation of the FCRA.
4 ) This agency is practicing under their own policies that are a direct violation of laws in place to protect consumers. They are discriminating against consumers based on their personal financial information, and are assisting to " settle '' with clients that ca n't afford a debt, but are willing to damage credit to consumers who want to figure out how the debt even occurred and the validity of the debt if the consumer does n't pay it before they even send out the information proving that the debt is real. After giving them my personal financial information, they could only " settle '' for 60 % of what the debt was, versus other people who are getting the company to settle with them for as low as 25 % of the debt that they owed. This is clearly discrimination. As of today, XX/XX/XXXX, there are over 52 reviews on XXXX ( they have a one star rating due to their illegal and discriminatory practices ), they have 226 reviews on https : XXXX ( they have a 1.3 star rating on this due to their illegal and discriminatory practices ), they have 66 reviews and 2.8 stars on the Better Business Bureau 's website ( due to their illegal and discriminatory practices ). They have 213 reviews and 1 star under their prior business name " XXXX XXXX ''. The name change alone is misleading and a red flag to consumers. There are complaints from consumers stating this company calls for false debts that do n't exist, calls for debts that they promise not to report and after they receive payment will report anyway, and that the company will report debts from over 10 to 20 years and report it as a recent delinquency to impact and harm consumer 's credit. They are not following the FTC or the FCRA and need to be investigated. There are too many people being damaged by this company. It is the debt collector 's job to verify the debt, and they are too busy threatening to report the debt that they are n't even able to verify exists because they state they have to contact their internal department to " get the information from the original creditor ''. Should n't they have this information from the original creditor already? They are trying to report something that they do n't even have verifiable proof from the original creditor, are being told does n't exist. The law states they have to have " no reasonable doubt '' that the debt exists to report it and are not allowed to report inaccurate information.
I am being threatened that Convergent will report to my credit and harm my credit if I do not pay a bill that they will not send me in writing. They will only state that I owe a bill telephonically, and expect me to believe them. They are going to report it months before they send me anything in writing ( which they will not be able to as this debt just does not exist ), and I believe are committing fraud.
I need help to get this stopped so it does n't effect my credit, and so that other consumers do not have to deal with this sort of atrocity.
|
| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. CONVERGENT OUTSOURCI bal. {$1000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 02/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. CONVERGENT OUTSOURCI bal. {$2200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau P.O BOX XXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , FL XXXX CC : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports withXX/XX/XXXX, and XX/XX/XXXXThis information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XX/XX/XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. CONVERGENT OUTSOURCI bal. {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XX/XX/XXXX, Iowa XXXX CC : XX/XX/XXXXThe XXXX XXXX XX/XX/XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XX/XX/XXXXXXXX XXXX CXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 12/15/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by CONVERGENT OUTSOURCING.
In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report.
Credit reporting agencies such as XXXX, XXXX and XXXX are defined by the XXXX XXXX XXXX XXXX as financial institutions subject to its rule making authority pursuant XXXX XXXX XXXX. XXXX, XXXX and XXXX are not upholding its role pursuant 15 USC 1681. You ( CONVERGENT OUTSOURCING ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act.
Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX, XXXX and XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history.
My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from CONVERGENT OUTSOURCING. As a violation of 15 USC 6802- you ( CONVERGENT OUTSOURCING ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission.
You ( CONVERGENT OUTSOURCING are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( CONVERGENT OUTSOURCING ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
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| 12/19/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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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
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| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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XX/XX/XXXX On XXXX I seen that a negative report had been entered on Credit report by XXXX XXXX for XXXX as their third-party bill collector. I had an account with XXXX which I believe started on XXXX at the XXXX store in XXXX, MO XXXX XXXX After a month or so of constant problems, issues, and calls to XXXX for help I decided to change carriers once again. I ported my number to XXXX after a month of tolerating XXXX unacceptable service level. I watched my billing from XXXX waiting for the final bills. They always came up with something they forgot to bill for. I finally paid what I thought was my final bill and moved on. XXXX had all the pertinent information to contact me such as my current physical address and email address. I had elected electronic billing, so they required my current email address.
On XXXX, almost 8 months later and never receiving any mail, emails, or phone calls from XXXX, I received a call from someone from Convergent. The person informed me that they were collecting {$68.00} for XXXX. I expressed my confusion and asked for more details. They did not have many details. I kept asking questions until I realized I was getting nowhere. I finally informed them ; I would require a validation of debt in detail from XXXX. Which was to include a copy of ALL the transaction detail for my account that resulted in a Balance Due of {$68.00}. If the transaction detail reflected some obscure fee or charge that was missed legitimately, I would be happy to pay the Balance Due in full. They agreed and told me that I would have to contact XXXX and ask for those documents. I refused and told them that was their responsibility as the bill collector to have all this documentation to do their job. I also told them to call me when they had these documents. I never heard from them or Convergent again. I have a complete recording of the entire phone conversation to validate everything I am stating.
On XXXX, almost 4-5 months later after dealing with Convergent I seen that another collection agency, XXXX XXXX, had posted a negative statement regarding an uncollected debt, I contacted XXXX XXXX. They were even more elusive and transferred me to others and placed me on hold I believe to frustrate my attempt to get an explanation of what was going on. I finally was in contact with an employee who proceeded to go over all the same information I received from Convergent. I finally was able to ask them why they placed the negative item on my credit report. They informed me that by law after 45 days of inactivity they had the right to post on my credit bureau. Then they stated that they had called me, and I believe they stated that she spoke with me. They were speaking exceptionally low, and I had to ask them to speak up, and they replied I did. I replied, well if you spoke to me what phone number did you call me on? Then they hung up on me. I have a complete recording of the entire phone conversation to validate everything I am stating.
I regret not having a lot of details available to me however after almost a year most of my copies are gone assuming there were no problems with the account. I do not know which company supposedly requested copies of the records involving this issue from XXXX. These documents were unfortunately never forwarded from XXXX to either collection firms as they were requested. Additionally, I was never informed of this situation either by mail or email by XXXX. My credit report is pristine because of the way I handle my financial obligations and not just handing over money to anybody that comes along saying you owe me.
Summary : I opened a cellular account with XXXX approximately mid to late XX/XX/XXXX. During that process I provided them with my address, which is my current address as of this writing, my e-mail address, which is my current e-mail address as of this writing, and various other pieces of information which is current as of this writing. After a little more than 1 month I realized the service was so sub-standard I begin to look for another carrier. I then ported my number to XXXX XXXX. I waited for my final bill to arrive via email because I had signed up for electronic billing. The bill came, and I called XXXX to verify that it was my final bill. The reason for validating the bill is stated about. Approximately, 7-8 months later I received a call from Convergent for bill collection purpose. The contents of that entire conversation were recorded. Five months later while waiting for the documentation of the validation of debt to be sent from XXXX to Convergent, I received a call from XXXX XXXX who had placed a negative review on my credit report. I called them and attempted to some type of clarification of what was going on and why the posting on my credit report. I got nowhere with them in getting details. They said they had called me and talked to me. When I asked to give the phone number, they supposedly called they hung up on me. The contents of this entire conversation were recorded also.
I opened a cellular account with XXXX a month or so later I cancelled it and paid the final bill, I was told. Nine months later a bill collector from Convergent called me and demanded {$68.00}. I replied, I that I would pay the bill if they provided me with the validation of debt and they told me to call XXXX and I replied that is your job and they said they had or will contact XXXX. Then another 4 months past and nobody contacted me when I noticed XXXX had taken the process over from Convergent and reported my non-payment to the XXXX credit bureau without even contacting me. Later, I discovered that Convergent had reported my non-payment to the XXXX credit bureau without even contacting me.
I filed a complaint with the XXXX # XXXX against XXXX and XXXX XXXX, without noticing that Convergent had also filed a negative review of this transaction with XXXX. Since then, on XXXX XXXX has removed the negative report from XXXX XXXX. On XXXX I contacted Convergent and explained all that had transpired and requested they remove their negative post on me from XXXX. They searched their records and talked to a supervisor, and I was informed that they could not find any records for me. I responded well who is going to remove the post from XXXX. Their response was they could do nothing because they had no records of that transaction. I said it is on XXXX with your company name as the reviewer.
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| 05/30/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My Complaint is directly against XXXX XXXX. I have evidence and proof of several emails exchanged with XXXX, after 8 years of having service with XXXX I was Happy but I switched to XXXX which they false advertised with their coverage map and I was looking to switch Carriers. When I went into the XXXX, FL XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX the representatives and Manager of this location XXXX and XXXX the salesperson convinced me and falsely advertised by trading in my two paid off XXXX XXXX 's which total XXXX in value that I would be credited towards my first bill. Then the phones or devices, none of them had services and caused me to lose a lot of business as a XXXX and XXXX XXXX and caused me damages, when the devices did not work I went back in the store they couldn't figure it out and because I had just traded in my phones which are worth almost XXXX and worked perfectly fine, XXXX not only charged me for devices on a monthly basis for services that were not rendered properly and there is evidence of this when I returned all the devices back to XXXX and told them I do not want them anymore and switched back to XXXX. They were having huge services issues because of the limitations the government put on XXXX from interfering with the airports and expanding of the XXXX network would interfere with Flights across the USA. During this exact time is when my service interruptions happened and I was no longer able to use my devices. Now XXXX through Bait and Switch Advertising is saying no you have a contract and the XXXX credit for your phones will be applied over 24 months, I told them in the beginning I DO NOT WANT a contract and I pay in full for all my devices, since their devices didn't work I returned all their equipment and shipped it back to them but now they sent my account for {$4300.00} to Collections? For What? I had to pay monthly for interruptions in service and the phones not working since XX/XX/XXXX when I switched from XXXX to XXXX so I not only paid their monthly bills and returned their equipment so I should not owe them any money back. The location in XXXX used False Advertising, bait and switch techniques, when they tried to keep me on as a client I specifically requested new phones because it hadn't even been 30 days yet since the phones stopped working but instead again they sent me re-furbished phones which AGAIN did not work! This is unacceptable for a company to behave in this manner and they are tricking people all over the place. If you XXXX XXXX the XXXX location you will see all the bad reviews of the manager of this branch and location, I also filed a complaint with XXXX directly about this branch but now they have handed this over to collections and they are threatening to ruin my perfect Credit. I'm a person with a high net worth and knowledge of the laws and regulations pertaining to consumer protection because I'm a XXXX XXXX. No Wireless provider should be able to act in this manner and not be penalized or punished for their actions without violations. In conclusion, I switched to a provider, was on the phone for 3 hours at one point with one of their technicians and you can ask for a call log directly from XXXX of all the issues I reported which they legally should have to provide. All the evidence is there and I have proof of the shipping label they sent back to me and the email of the manager involved who said on the phone from technical support that as long as I return the devices which I have proof of the mailing label that I wouldn't be charged it's like I never switched to XXXX, I'm also still owed money for all the services interruptions since the phones stopped working 2 days after I received and bought all the devices from them before i returned them and they were all defective. My conclusion leads me to believe that XXXX is misleading its customers on a wider scale and a full investigation to XXXX 's reviews/comments online with this location should be reviewed promptly and those affected like me should be given relief with the CFPB investigating this matter as my credit can not be affected, I have a family a mortgage and iXXXX XXXX XXXX XXXX I also provide many jobs in my community I'm an honest XXXX and XXXX that puts food on the table for many families and I'm an advocate for 2 Non Profits one called XXXX XXXX XXXX 's who experienced any hardship from their lenders, third parties, or banks during the pandemic backed by attorneys and another one to help with the war effort in XXXX.
I'm please asking you to look deeper into XXXX and their advertising techniques, they told me I would get an instant credit for my phones ( ON MY FIRST BILL NOT OVER 24 MONTHS ) otherwise why would someone trade in 2 paid off devices which were already high model XXXX XXXX XXXX XXXX and latest devices? Instead they stole my phones didn't give me any credit and now looking to bill me for not only monthly charges when I had no service, but bill me for contract cancellation and devices which were already returned to them? How is this right? Nothing about this company 's operations are genuine or honest to consumers, they are using false advertising and bait and switch techniques to get people into contracts and use flashy storefronts and lying about their coverage maps with 5G. I was switching to get the best service possible instead I got XXXX service, stolen devices which were not returned without any credit provided then sent my file to collections? I'm not the only one and this can turn out to be a massive case for the CFPB. Convergent Outsourcing Inc located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA, XXXX is the collecting company threatening me and my credit report which I will not let happen. The public deserves to be treated properly with respect dignity and honesty with business affairs and the way each company advertises. This I know very well because I own 10 companies myself which adhere to XXXX, XXXX XXXX, XXXX laws and statutes in all the states we operate in. This behavior especially from the staff at the XXXX Location listed above was just to sell sell sell and mislead me which is not the right way any XXXX XXXX Branch should be supervised by the manager in charge or having the employees trained in this manner.
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| 05/24/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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The company at issue is XXXX XXXX who I had a contract with for Cable/Internet Services for on or around XXXX or XXXX of XXXX this contract was ending after two years.
I made a couple of calls to XXXX XXXX prior to the contract end date, hoping to resolve what I can only describe as a notable speed reduction in services provided, and the response was to upgrade my package and pay significantly more than I already had been.
I informed XXXX XXXX prior to the end of the Contract, that I intended to seek services with a competitor in the hopes that they would resolve the speed decrease, and I would not have to switch my internet service.
It was again suggested that I pay more to upgrade, which I refused to do.
About two weeks prior to the end of the contract I informed XXXX XXXX that I had a date scheduled with my new service provider within a couple of days, and I wished to know where to send the equipment they had provided as part of their package.
I was told that following the final date of the contract I would be sent packaging with return information to send the items back to XXXX XXXX.
At the conclusion of the contract I again spoke with a gentleman from XXXX XXXX and paid my bill over the phone noting that one of the other reasons for changing providers was the rat maze I had to navigate in order to pay my bill every single month.
This occurred when I was required to possess a number assigned by XXXX XXXX that I had never actually been provided, while simultaneously having to remember an email password combination that required me to alter ANY password I would choose by adding special characters, and numbers until It was no longer my password, and certainly not one I would or did remember. ( This was an issue month after month, for the entirety of the contract. It was not uncommon for me to spend a couple of hours once a month trying to locate the correct information simply to pay my bill, and there are likely ample complaints filed by me regarding this matter.
Given that the remedy XXXX offered was to pay over the phone with a live agent for an added convince fee which l if I recall was like {$10.00}.
My final conversation was upon receipt of my final bill which I paid over the phone with a live agent at which time I asked what they wished for me to do with their provided equipment, which I had no need for as I had my new internet for nearly two weeks by the conclusion of the contract. I was told that return packaging was being mailed out, and that I had paid my bill in full to conclude our business and avoid an {$85.00} fee If I recall I would only need to send the equipment back to XXXX XXXX.
The return packaging never arrived as promised, and after it sitting on my kitchen table for nearly 3 months I contacted XXXX XXXX to request the packaging be sent.
I was then informed that I owed them {$81.00} which I immediately stated was not true and that I had paid when I last spoke with the representative. In fact I believe when I called before I even was able to state my reason for calling the system recognized my number and the service person answered the phone stating that this was an attempt to collect a debt.
I immediately stated I had paid in full and wished to return the equipment for which I had not been provided the requisite return packaging. This call lasted some time with the tech checking the system and noting that there was NO past due, or NO outstanding balance in the system and that I would be mailed said return packaging.
Some three more months pass and still no packaging I received a call from XXXX XXXX regarding this {$81.00}, I tell them I have already had this conversation previously with a tech at the number they had on their letterhead, I asked if this {$81.00} was for the equipment I had tried to return as the amount stated for failure to return the items was this general amount and was told that it was NOT for failure to return equipment. ( Which I still had in my possession ).
At this point I believed that I was being scammed so following this call I immediately called XXXX and told them I had received a call for this {$81.00}, and believed I was being scammed, to which the rep stated they have no outstanding balance in their system, and that I likely was being targeted as a scam. I was then promised return packaging was on the way and that I owed no more money.
Now more than two years later I receive a collection letter from a collection agency trying to collect a debt, which I do NOT believe I owe, and I have repeatedly tried to address to no avail.
That XXXX has wasted an immense amount of my time and energy for a debt that I have been repeatedly told I don't owe when contacting them, and have even been told that this is likely a scam.
I pay my bills as I am trying to buy my first home, and at this same time was dealing with items not received from XXXX which took more than XXXXwo years itself to resolve, and I was only able to do so with the Assistance of the Minnesota Office of the Attorney General. And even after a successful resolution at precisely this time my credit had already been significantly affected, and two years later i am just getting back to the level it was before the damage.
But given the circumstances of that time, I believed the customer service representatives I spoke with who said no debt was owed, and that I was likely being targeted.
Furthermore, I have lived in the same residence since XXXX and have not received a single written communication regarding this supposed debt, which had I been billed for this debt I would have paid if when it came due, and had it come to me in the form of a collection letter two years ago I would have investigated the claim and paid it if it were legitimate.
But to claim after all my efforts to clarify for what I owe this debt and continually being told by the company that there is no debt makes this harassment, and it's unacceptable.
I will not pay any sum of money to XXXX XXXX who claims two years later that I owe them a debt, of {$81.00}.
But they can pay me {$160.00} which is {$81.00} a year which is what I charge for storage of equipment that I am still awaiting return packaging for.
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| 09/10/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is a claim and demand for DEBT VALIDATION, and offer to perform upon the preceding conditions : This offer of performance is made in good faith, to settle the attached complaint of alleged debt upon the condition XXXX XXXX validates the alleged debt and complies with the following stipulations herein within twenty-one ( 10 ) days of receipt of this claim : 1 ) XXXX XXXX completes, in entirety, the attached Debt Collector Disclosure Statement and returns the same with all supporting documentary and evidentiary proofs to claimant ; and 2 ) XXXX XXXX, in accord with the Fair Debt Collection Practices Act [ 15 USC 1692 et seq. ], provides verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury ; or provide a copy of a judgment, sworn by wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against claimant ; and 3 ) XXXX XXXX produces all relative commercial instruments, including but not limited to applications, assigns, agreements, and/or contracts, which contain exchange of benefit ( s ) or consideration, and/or contain the verified signature of claimant ; and 4 ) XXXX XXXX provides, verified copies of all assigns, negotiations, securities and/or transfers of rights, title ( s ) and/or interest ( s ) and the like, sworn by wet-ink signature signed under the penalty of perjury that the foregoing copies are true, correct, and not misleading which unambiguously delineates that XXXX XXXX is the current owner, assignee, holder, holder in due course, and/or entitlement holder of the alleged debt including all supporting documentary evidence as proof ; and 5 ) XXXX XXXX produces all relative commercial instruments and/or notices, declarations, publications, which clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights, duties, obligations, liabilities, costs, fees, in advance or subsequent to the alleged incurrence of alleged debt, and where there has been full disclosure of all relevant terms and conditions ; and 6 ) XXXX XXXX provides proofs by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury, XXXX XXXX did not engage in any conduct to harass, oppress, or abuse claimant including but not limited to placing telephone calls without disclosure of the caller 's identity, the use obscene or profane language, causing a telephone to ring with the intent to annoy, abuse or harass claimant and/or use or threat violence, or other means to harm the reputation, or property of claimant ; therefore NOTICE TO CEASE AND DESIST Notice is hereby given to RESPONDEAT INFERIOR to CEASE AND DESIST from any further collection activities prior to validation of purported debt in regards to Alleged Account : 6700, pursuant, but not limited, to the truth in lending laws of the United States Code, Title 15, Sec. 1601 et. seq., the Fair Debt Collections Practices Act laws of the United States Code, Sec. 1692 et. seq. and the conditions stipulated in this presentment.
XXXX XXXX may only contact claimant by mail only. XXXX XXXX is hereby prohibited from contacting claimant by telephone, in person, at home, or location/place of employment. XXXX XXXX is further prohibited from contacting any third party. Each and every attempted contact, in violation of the Fair Debt Collection Practices Act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$5000.00} for each and every violation, and a further liability for legal fees to be paid to any council which I may retain. Further, absent such validation of your claim, XXXX XXXX is prohibited from filing any notice of lien and/or levy or judgment and is also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
CRIMINAL INVESTIGATION Please take notice that this is a criminal investigation of the business practices of the above named XXXX XXXX, organization or other governmental unit, its agents, officers, employees, and attorneys to determine violations of the United States criminal laws. XXXX XXXX XXXX enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18, See, 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records of U.S.C. Title l8, Sec. 471, 472, 473, and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 Sec. 1961 et. Seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. Sec. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. Sec. 1842 - Fictitious Names.
Failure to " Cease and Desist '' shall be evidence XXXX XXXX intends to be guilty of the aforementioned crimes and more. XXXX XXXX XXXX failure to meet all of the stipulations required herein is XXXX XXXX XXXX full agreement through tacit acquiescence there can be no case, collection, or action. " No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract ''. See Eads v. Marks, P. 2d 257 260.
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| 11/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THIS COMPANY CONVERGENT OUTSOURCING PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. I HAVE NO CONTRACT AGREEMENT. ACCORDING TO 15USC 3002. I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX, XXXX5USC1692 ( a ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX AND XXXX are assumed to be credit Bureau, and they are not. THERE is only XXXX XXXX who protects consumers, and that is the COMSUMER FINANCIAL PROTECTION BUREAU.PURSUANT TO 15 U.S. Code 1692e.False or misleading representations USC 1692 NOTES A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, XXXX XXXX, XXXX, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), XXXX XXXX, XXXX, 110 Stat. 3009425. ) 15 U.S. Code 1692c - Communication in connection with debt collection 1692 C NOTES ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
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| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Request for VALIDATION, NOT Verification To Whom It May Concern : REMOVE THIS ACCOUNT IMMEDIATELY This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 } 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide 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 listing any information with 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 accurate. If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Cease and Desist Dear Representative, Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a customer, and the original creditor and I am demanding all of the following : Zero out the balance in this account. Deletion from all consumer reports. Since youre reporting this on my consumer report I demand The following to be answered and written out : Name and address of alleged creditor Name on file of alleged debtor Alleged account number Address on file for alleged debtor Alleged account number Amount of alleged debt Date ( this alleged it became payable ) Debt of the original charge or delinquency. Was this the assigned to a debt collector or purchased? Amount paid if that was purchased Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your clients that grants this company The authority to collect this alleged debt. Signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector. Any agreement that bears the signature of debtor, wherein agreed to pay the creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes? No? Have any judgments been obtained by any creditor regarding this account? Yes? No? Please provide the name and address of the bonding agent for this company, in case legal action becomes necessary : Authorize signature of creditor : ______________________ Date : ________________ You must return this completed form along with copies of requested information, assignments or other transferable agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed in return with copies of all requested documents. This is a request for validation may pursuant to the fair debt collection practices act. Please allow 30 days for processing after I receive this information.
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| 11/22/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. CONVERGENT OUTSOURCING & {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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| 12/21/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CONVERGENT OUTSOURCING bal. {$570.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 01/04/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CONVERGENT OUTSOURCING bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 10/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .CONVERGENT OUTSOURCING bal. {$3500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. XXXX bal. $ {$940.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
|
| 07/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX bal. {$1400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX Consumer Reporting Agency XXXX. XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( Account number XXXX Collection opened XX/XX/XXXX Balance on XX/XX/XXXX {$200.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX : XXXX/XXXX/XXXX SSN : XXXX Prior CFPB Complaints : XXXX : ( XX/XX/XXXX ) XXXX : ( XX/XX/XXXX ) Notice of Dispute for Debt Not Due Under the Fair Credit Reporting Act Complainant, XXXX XXXX XXXX, a resident of XXXX XXXX, XXXX County, Texas, brings before the Consumer Financial Protection Bureau ( CFPB ) this Complaint against XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ), Consumer Reporting Agencies, collectively referred to hereinafter as ( CSAs ), Convergent Outsourcing ( Convergent ), XXXX XXXX ( XXXX ) for : a. The reinsertion in his consumer files by the CRAs of previously deleted items of information, unverified and uncertified for accuracy furnished by Convergent, that Complainant is indebted to XXXX to the sum of $ {$200.00} without notice to Complainant of the reinsertion within five ( 5 ) days of the reinsertion, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ) and, further, to b. Dispute the validity of the reinserted information as provided pursuant to 15 U.S.C. 1692g, and in support hereof presents : 1. On or about XX/XX/XXXX, CONVERGENT, a third-party debt collector, opened a collection action on behalf of its principal, XXXX, to collect a balance allegedly due XXXX by Complainant to the sum of {$200.00}. ( See : Account No. XXXX ). On or about XX/XX/XXXX, Convergent reported its collection action to the CRAs for inclusion in Complainants consumer files.
2. On XX/XX/XXXX, Complainant registered Complaint with this agency against the CRAs and XXXX XXXX XXXX ( XXXX ), a third-party debt collector, seeking resolution for the exact same issue. ( See : CFBP ID. Nos. XXXX and XXXX ).
3. Upon reinvestigation it was determined that I was not indebted to XXXX to the sum of {$200.00} 25 and the information was DELETED from Complainants consumer files with the CRAs and remained so until XX/XX/XXXX.
4. The only difference is that upon those complaints the third-party debt collector acting on behalf of XXXX was XXXX and not Convergent. The fact remains, however, that the information furnished the CRAs regarding Complainants alleged indebtedness to XXXX is the same information that was determined to be inaccurate and deleted from consumer files.
5. Annexed hereto is a copy of CFPC Complaint submitted on XX/XX/XXXX. For the reasons assigned therein I DISPUTE and REASSERT that the information furnished the CRAs by Convergent to as to my indebtedness to XXXX is inaccurate, false, misleading, unverified and AGAIN warrants REMOVAL from Complainants consumer files with the CRAs.
Pursuant to the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ), CRAs are obliged to adopt reasonable procedures to prevent the reinsertion in consumer files previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by debt collectors and other furnishers of information.
6. As the reappearance and reinsertion of information regarding Complainants indebtedness to Reliant into Complaints consumer files appears to be an annual event ( every XXXX like clockwork, with the only difference being the identity of the debt collector ), Complaint asserts that the CRAs have willfully and negligently breached their obligations to adopt reasonable procedures to prevent the reinsertion in consumer files previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by debt collectors and other furnishers of information in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ).
7. The foregoing considered : Complainant respectfully requests : ( a ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).
( b ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ).
( c ) Deletion from my consumer files the disputed information of my indebtedness to XXXX as provided to XXXX, XXXX, and XXXX consumer agencies by CONVERGENT.
( d ) The CRAs cease and desist from reinserting into Complainants consumer files previously deleted items of information regarding Complainants indebtedness to XXXX irrespective of the identity of the debt collector. Riding upon this merry-go-round every year regarding a BOGUS debt claim is getting OLD. Moreover, its illegal and constitutes HARRASSSMET under the terms of the Fair Credit Reporting Act. Neither any other Complainant nor I should have to endure this scenario year-after-year.
8. The CRAs, Convergent, and XXXX are hereby put on notice that if SUSPENSION of collection activities, including the removal from Complainants consumer file of the previously deleted information complained of, are not effected withing thirty days of receipt of this Complaint, suit will be filed for damages, injunctive, and other available relief in a court of competent jurisdiction. Again, this manure needs to STOP.
9. A copy of this Complaint is being submitted to the Attorney General for the State of Texas for receipt and treatment as a consumer complaint before that Office as permitted by law.
|
| 04/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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In response to complaint ID : XXXX and XXXX My is XXXX XXXX, an agent for principal XXXX XXXX. I am a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against Convergent Outsourcing for violating multiple cease and desist notices received on XX/XX/XXXX through CFPB Complaint number XXXX and XX/XX/XXXX through CFPB Complaint number XXXX. I have never received any communication about this alleged debt prior to it being furnished to my consumer report. Convergent outsourcing has violated my individual right to privacy by continuing to commit abusive, deceptive, and unfair debt collection practices with no regards for federal law. I have never contracted with Convergent Outsourcing so Convergent Outsourcing has no lawful authority to be in possession of my identifying information. This is identity theft. Attached are the following exhibits : Exhibit A is the fraudulently furnished tradeline to my consumer report. Exhibit B is Convergent Outsourcing response to CFPB complaint number XXXX. Exhibit C is an identity theft affidavit filed with the FTC. Exhibit D is Convergent Outsourcing response to CFPB complaint number XXXX.
Convergent Outsourcing has stated Convergent Outsourcing does not believe that we have violated any laws. We strive to report accurate information as required by federal law. Convergent is within the requirements of the FCRA as it pertains to our responsibility as a 3rd party debt collector when furnishing data to the credit reporting agencies.
I disagree. Pursuant 15 U. S. Code 1692g ( c ), my failure to validate this this alleged debt shall not be construed as an admission of liability. I never received any validation documents prior to the furnishing of this alleged debt which is a violation of 15 U. S. Code 1692d ( 4 ), which the FTC defines as debt parking. In a statement from the FTC, Reporting debts first and asking questions later or not at all can land collectors in a steaming alphabet soup of FDCPA and FCRA violations.
Convergent Outsourcing has stated On XX/XX/XXXX, XXXX placed this account in our office to collect a balance on their behalf of {$1600.00}.
I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U. S. Code 1692e ( 12 ). Convergent has openly admitted to unlawful extortionate activities and shall be held criminally liable for aggravated identity theft.
Convergent Outsourcing has stated We sent you several validation notices.
I have never received a validation notice from Convergent Outsourcing. I would need for Convergent Outsourcing to provide me with documentary evidence such as a tracking number or a return receipt bearing my wet signature proving they in fact attempted to lawfully validate this alleged debt with me prior to the furnishing this alleged debt to my consumer report. Without this documentary evidence, this has been a fraudulently furnished tradeline with forethought and malice to bring harm to me and my financial reputation and Convergent Outsourcing shall be held criminally liable under 18 U. S. Code 894.
Convergent Outsourcing has stated On XX/XX/XXXX, we mailed you documents obtained from XXXX, validating the balance that they state is owed. These documents were sent to you again on XX/XX/XXXX.
Convergent XXXX has openly admitted to securities fraud and sending false and deceptive forms as an attempt to commit theft by deception. Convergent XXXX and XXXX shall both be held criminally liable for racketeering activity.
Convergent Outsourcing has stated Convergent Outsourcing can confirm that the information was sent was to your current address. Please note that the validation information we have provided you is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to validation of debt.
Due to Convergent Outsourcing openly committing fraud with no regard to federal law, I would be remiss to just take their word for it. Without proof, this is hearsay. Provide proof that you attempted to lawfully validate this alleged debt prior to furnishing it on my consumer report.
Convergent Outsourcing has stated This information is directly from XXXX. On XX/XX/XXXX, we received your initial Consumer Financial Protection Bureau complaint. In response to your complaint, we mailed you a fraud packet to your current address. To date, we have not received the requested information. In response to your complaint, this account remains in a disputed status.
To date, Convergent Outsourcing has not produced any documentary evidence, such as a trilateral contract, that they have any lawful right to have my identifying information or to collect on this alleged debt.
Convergent Outsourcing has stated This account remains reported to the credit bureaus with accuracy as disputed.
Convergent Outsourcing has never attempted to validate this alleged debt prior to furnishing it to my consumer report and is openly committing unlawful extortionate activities with forethought and malice to coerce me into paying this alleged debt they claim I owe. Convergent XXXX is using unlawful extortionate means to collect on this alleged debt and shall be held criminally liable under XXXX XXXX XXXX XXXX XXXX.
This is my final attempt to have this matter rectified before pursuing legal matters. If Convergent XXXX would like to continue committing fraud and unlawful criminal activities, this matter can be further discussed in federal court where I have no intention on pursuing any monetary amount.
|
| 05/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WAXXXX ( XXXX ) XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a 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 : Complete accounting ledgers of said chargers.
Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 } 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offihighly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 } 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act ces are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this in formation and during suThis letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the At this 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 listing any information with 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 accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 10/27/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Dear Consumer Financial Protection Bureau, I contacted XXXX XXXX via online chat, per recollection, on XX/XX/XXXX regarding terminating my XXXX XXXX Account. I told the customer service representative that I wished to terminate my account because I was moving out-of-state and in my new service-area, I had expanded coverage and could get a plan more affordably with another provider. The customer service representative informed me that I did not need to cancel my service because as soon as XXXX saw that my number ported and the service was suspended, XXXX would automatically be notified that the service was terminated and that the bill would be pro-rated for the month. My billing cycle is on every XX/XX/XXXX and it applies for the full 30 ( or 31 ) days of the month for service ( so a payment on XX/XX/XXXX would apply for service for XX/XX/XXXX up to XX/XX/XXXX ). I was told I would only be paying for 12 of the 30 days of service for the month of XX/XX/XXXX and I did not have to worry about anything. I later contacted XXXX and went about transferring my service with them. My other phone was deactivated and had absolutely no functionality with XXXX 's services and my phone prompted me to contact XXXX to re-establish service. My phone number was ported to my new phone and services with XXXX began on XX/XX/XXXX.
On XX/XX/XXXX, My XXXX XXXX credit card was charged by XXXX XXXX in the amount of {$58.00}. I contacted XXXX XXXX on XX/XX/XXXX regarding this charge and was told that my account was closed but that they never got the port request ( XXXX informed me this was impossible because my new phone number was working on the new phone on XXXX 's service ). The customer service representative told me, they could not pro-rate the bill and nothing could be done.
I then contacted my credit card company, XXXX XXXX and disputed the charge stating I wished to pay for only 12 days of service. XXXX XXXX acknowledged my complaint and stated that while they understand I wished to only pay the pro-rated amount, that they had to dispute the full amount until XXXX made an attempt to figure out the amount. I informed XXXX XXXX to please issue the chargeback.
Following the chargeback, I received a mail dated XX/XX/XXXX from a collection agency called XXXX XXXX stating I owed {$58.00} and if I did not pay that this debt could be reported to a credit agency. The back of the letter said that if I did not contact them in 30 days of the date of the mail, that I would be admitting that I had no dispute with the debt.
I contacted XXXX XXXX about this to provide them information about the account number and ID XXXX XXXX provided on Tuesday, XX/XX/XXXX and asked them what my options were as a consumer. They informed me that XXXX had 45 days to provide evidence to the contrary that I owed the payment in full or else the charge is forfeited and fully credited to my account. They also informed me I had no obligation to contact the collection agency.
On XX/XX/XXXX ( notice this is the same day of the month where I am charged for XXXX XXXX XXXX ), I was, again, charged in the amount of {$58.00} even though XXXX XXXX, on two separate occasions over the phone confirmed my account was closed ( I also have proof of this via email re : credit to account being {$0.00} - this assuming of course that I owed {$58.00} and it was paid in full - I did not owe this much ... and a PDF of my login on XX/XX/XXXX showing that my service was suspended.
On XX/XX/XXXX, I called XXXX XXXX, again, to report a fraudulent charge from XXXX XXXX in the amount of {$58.00}. They informed me they would take note of this and that if XXXX charged me again to try to collect the debt without going through the dispute process, that that was not legal ; however, they noted it was strange this happened on the same day that the recurring bill was used.
It should be noted, that after my service was terminated, I could not login to my XXXX XXXX account without doing a restricted login to view prior bills, so it would appear as though XXXX XXXX, deliberately, tried to charge forward, further, leaving an outstanding debt with a collection agency while an active dispute is in motion.
I also have the letter from the collection agency but it is not on my person at this time as I am away from home for training for a few days out of my city. I can try to provide a copy of this letter, hopefully by Monday if requested, however, I did call XXXX XXXX on XX/XX/XXXX and provide details of the letter sent.
Note there may be some other minor details not included, but for the sake of proving my case, I believe I have supplied enough sufficient evidence to warrant my claims ( e.g. : I had contacted XXXX about this issue, likely on XX/XX/XXXX following my call with XXXX XXXX re : their erroneous claim about the reason my bill was not pro-rated was because XXXX did not properly port the number over, via phone whereby XXXX confirmed the number ported on XX/XX/XXXX and what XXXX was saying was incorrect ). I have left some details out for the sake of brevity. Both XXXX and XXXX XXXX may be contacted regarding my case.
Thank you for your assistance in helping me expedite a resolution to this issue.
Regards, XXXX XXXX.
P.S. Should I find additional documentation, I will provide, accordingly. For now, I just want to get this process going.
|
| 09/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I recently received a copy of my credit report.
The state of Texas statute of limitations is only 4 years from the date of the last payment. This alleged debt continues to appear on my credit report as a violation of the statute of limitations.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provides me with : The name and address of the original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance.
The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on noncollectable debt after the statute of Limitations.
Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate.
Per this requirement you must delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
This company is also attempting to collect on alleged debt that has exceeded the statute of limitations in the state of Texas. Under the Fair Credit Reporting Act, 15 U.S.C.
1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated company letter showing these items removed.
I demand the following accounts be properly verified or removed immediately as these alleged debts continue to be resold by the last payment date should remain the same by Texas Finance Code 392 and the FCRA regulations.
This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas.
This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or deliver lawsuit/judgment items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws including Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney Generals office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA.
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
|
| 11/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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For years, when I lived in XXXX XXXX I had a landline number from XXXX : XXXX. My wife and I had XXXX monthly charge for this line set up on autopay with XXXX. Every month, XXXX would charge the billed amount to our XXXX XXXX ending in XXXX. It was usually around {$28.00} per month. We opted for electronic billing, so my wife would receive an email detailing the charge. We never got paper bills from XXXX.
Part XXXX : Unsuccessful cancelation by XXXX In XXXX of XXXX we moved from XXXX XXXX XXXX XXXX XXXX. Prior to moving, my wife called XXXX customer service number to cancel the line, which they said they did. As expected, we received a final charge via autopay to XXXX ( and an email ) for our XXXX service in XXXX, XXXX in the amount of {$28.00}, which we paid.
However, a month later, in XXXX, XXXX, we received another XXXX charge, for XXXX service, in the amount of {$28.00}. I called XXXX to alert them to the fact that they were still charging us for an account they said they had canceled. They assured me that they would cancel the account properly and there would be no more erroneous charges. We disputed the charge with XXXX, who communicated with XXXX separately, after which their charge was reversed. ( See attachment A. ) From that moment on, XXXX never made automatic charges to our XXXX card, nor did they send us email confirmations for service. So we believed that the service had been successfully canceled.
Part XXXX : Receivables XXXX XXXX XXXX effort We never heard from XXXX again until XXXX, XXXX, when we received a forwarded paper bill for {$550.00} for unpaid charges. ( See attachment B. ) Note that we had forwarded all mail from XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX, and so if XXXX had sent us anything prior to this, we would have received it. I called XXXX to try to understand what this bill was for but since they could not even tell me what account it was connected to, I ignored it.
In XXXX of this year ( XXXX ), we were contacted by XXXX XXXX XXXX XXXX XXXX, who claimed I owed XXXX {$550.00} in unpaid charges. ( See attachment C. ) I disputed the charge in writing and asked to see proof of money owed from XXXX. ( See attachment D. ) I never received that proof, nor any additional collections notices, so I considered the matter settled.
Part XXXX : Convergent Outsourcing collections effort Then, in XXXX of this year ( XXXX ) I received a collections notice from Convergent Outsourcing , Inc. ( See attachment E. ) Again I disputed the charge ( via an online form and via phone call ) and Convergent said they would communicate with XXXX on our behalf. XXXX persisted in their effort to collect money I do not owe them. Over XXXX separate calls with Convergent on the same day ( XX/XX/XXXX ) their representatives gave me conflicting information : At XXXX XXXX Convergent representative ( XXXX XXXX XXXX told me that XXXX sent a final statement of {$550.00} to the old XXXX address after we closed the account in XX/XX/XXXX. If this was true, then what exactly were these charges for? Our monthly bill was an average of {$28.00} and we didnt have any equipment from them to return.
At XXXX another Convergent representative ( XXXX XXXX XXXX told me the same day that XXXX claims that we received service until XX/XX/XXXX, when the account was closed. Then she offered me a settlement amount of {$280.00}, but since we dont owe anything to XXXX XXXX I declined the offer.
At XXXX a third Convergent representative ( XXXX XXXX XXXX transferred me to account specialist XXXX XXXX XXXX XXXX XXXX told me he would be requesting a detailed explanation of the charges from XXXX. He also said Federal Law requires proof that I owe them the amount that they claim I do, and if they can not then I should contact the Consumer Financial Protection Bureau to take up the matter with XXXX directly.
On XX/XX/XXXX I received correspondence from Convergent claiming to have proof of a valid debt, again in the form of a XXXX bill. ( See attachment F. ) So here I am, asking for your help.
Conclusion : Requested remedy A bill is just a bill. It is not proof of a debt owed. It is merely proof that XXXX can generate bills. XXXX has failed to provide service in the form of cancellation, and they have failed to prove that I owe them money. They have not even detailed what these charges are for.
I have provided a paper trail showing multiple efforts to cancel our former service with XXXX, and behavior from them that indicates that they understood our desire to cancel. If they failed to properly cancel our service after all these efforts that is not my problem.
I have spent, easily, XXXX hours on this issue including todays effort to document this case for you. I can not get that time back but I am hoping that with your help I can stop XXXX from robbing me of my time and energy going forward, and threatening to negatively impact my credit rating.
I would like CFPB to tell XXXX to definitively close this matter, to send me proof of closure/resolution, and to stop selling this nonexistent debt to collectors. It is a waste of everyones time and at this point it is harassment.
Please feel free to contact me with any questions you have about this matter.
|
| 10/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
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On XX/XX/2022, I was surprised to receive a phone bill from XXXX XXXX. It was addressed to XXXX XXXX and was in the amount of {$6500.00}, with {$6400.00} being past due. All of the lines were assigned to XXXX XXXX. Thinking this was a simply billing error by XXXX XXXX, I called XXXX and advised them as follows : 1. We do not have any account with XXXX and have not had one for quite a few years. All of our phone service is provided by XXXX XXXX.
2. All of the phone lines shown on their invoice belong to XXXX XXXX. We do not know anyone named XXXX XXXX and had no idea why they were suddenly billing us for this account.
3. Although the invoice had our correct street address, it is addressed to XXXX XXXX, which is not the correct name of our company. I had never received any previous invoices. Since the monthly charge was only {$65.00}, I assumed this was an account that had been going on for a long time.
4. Because of the very large amount of the bill and concern about fraud and protecting our credit rating, I wrote to XXXX to document our conversation. My letter to XXXX is dated XX/XX/XXXX, and is is included in my report to the XXXX Police Department. I had hoped to attach a copy of the police report to this file but it's apparently too large.
The XXXX representative I spoke with stated she could not give us any information in order to protect the privacy of XXXX XXXX, but assured me the bills would stop.
When the second bill arrived the following month, I took the bill to the local XXXX store. The store staff said there was nothing they could do about it. They suggested that I return the bills to XXXX, noting on the envelop that the bill was incorrectly addressed, no XXXX XXXX at XXXX XXXX XXXX, which I did By the billing period ending XX/XX/XXXX the bill was {$12000.00}. A copy of the summary bill, consisting of only three pages is available if needed On XX/XX/XXXX we received a collection notice from Convergent Technologies that was addressed to XXXX XXXX and XXXX XXXX. We disputed the bill, being careful to follow the instructions on their notice. We learned that federal regulations require debt collection companies to stop collection until they send us information that shows we owe the debt if we request it. They must also provide the name and address of the original creditor, if different from the current creditor. A copy of our letter to Convergent is available if required. Our letter was sent via certified mail, so we have a written record that Convergent received it. We received no response from Convergent XXXX No information was provided.
On XX/XX/XXXX we received a collection notice from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I called them and spoke with XXXX XXXX. Although I did not believe most of what she was saying ( they didnt have a copy of prior bills, they didnt have any record of any prior creditor, etc. ), when she asked, I provided her with the last 4 digits of our EIN number. She stated that was the reason we kept getting these bills XXXX XXXX was using our EIN number. She suggested I file a complaint with the local police, which I am have.
Being tired of getting no information from XXXX XXXX and its debt collection companies, I tried an on-line reverse look-up service, XXXX. I learned the following : XXXX XXXX is listed as being used XXXX XXXX XXXXXXXX XXXX and 4 other persons. XXXX no. XXXX XXXX is listed as being used XXXX XXXX XXXX XXXX and others. Interestingly, XXXX XXXX lists his job as XXXX XXXX. The number XXXX XXXX is listed as being used by XXXX and XXXX XXXX. The number XXXX XXXX is listed as being used XXXX XXXX XXXX and others. There was no result for XXXX XXXX. Most of the telephone numbers had a multiple users each with a number of aliases in several different states. XXXX made no mention of XXXX XXXX or XXXX XXXX for any of the five telephone numbers listed on the XXXX bill.
I have filed a police report because XXXX XXXX stated that their process requires me to do so. However, my experience leads me to believe that XXXX XXXX is itself guilty of fraud and deception. They and their debt collection agencies have refused to provide me with any additional information about this account, acting as if I should pay a bill for over {$12000.00} while they concealed information about the account. Additionally, the letter I received from the second debt collection agency, XXXX, XXXX XXXX XXXXXXXX, omitted any reference to XXXX XXXX, whose name appeared on the XXXX bills. Neither did they provide information as to how to contact the CFPB. I would not have known about this agency except for the notice from the first debt collector, Convergent XXXX.
Finally, I would like to add that my husband and I are both over XXXX XXXX XXXX. This has been an extremely stressful experience for me. It seems that each time I state that I am disputing the bill, the only thing that happens is that I receive another debt collection letter from another company. It has been a terrible experience and there seems to be no end in sight.
I was unable to attach a copy of my report to the XXXX Police Department because the file seems to be too large. I would be happy to submit it if the an alternatae way to send.
|
| 03/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 } 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide 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 listing any information with 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 accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon Book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, congress said ANY card.The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction below they should all be removed from my consumer report pursuant to 15 usc1681a ( 2 ) ( B ) I am demanding that you remove these transactions immediately As they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I DID NOT AUTHORIZE ANYONE TO FURNISH MY CREDIT REPORT.
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Good Evening, I have received a debt collection letter from Convergent today that is a third-party debt collector for XXXX XXXX. I have spoken with XXXX and they have verified in an email to me that this debt letter is not accurate and they have apologized for the inconvenience and distress this has caused me and my family. They ( including XXXX - one of the customer care reps ) have stated verbally that it appears to be fraud as my account has never been delinquent and I also have proof of this. XXXX financial and customer service also can not find any bill ever due or ever delinquent in the amount stated by Convergent. I was set up through XXXX with eBill through my XXXX XXXX XXXX and always paid my bill ahead of the due date. On XX/XX/XXXX, I contacted XXXX and a representative accepted my XXXX XXXX credit card payment to pay off the two phones on my account. This is verified in my XXXX XXXX Account. After the phones had been paid for and after I removed phone insurance and discontinued my tablet service and discontinued a storage service XXXX had added, I contacted XXXX to help me move my account to my husband 's account to save money. Little did I know the nightmare I was in for. Primarily, I received a letter yesterday stating I owed {$120.00}. I contacted XXXX -- this was actually a credit of, which, {$100.00} was moved to my husband 's account. I am now due a credit of {$24.00}. Secondly, today, which was the main reason for this complaint is I received a letter from XXXX 's collection agency Convergent stating that " The records of XXXX XXXX show that your balance of {$460.00} is due in full. '' XXXX XXXX told me verbally they have no record of this and my account actually has a credit. I contacted Convergent and they are now stating that my account is closed and there is a XXXX balance. However, they will not explain what the delinquent amount was for and they will not send me a letter stating that the debt collection letter was sent in error and that there was no delinquent account and the account is closed. They also stated that no report was sent to credit agencies, but they refused to put this in writing and they said the account is closed out and they can no longer access it. It seems I paid XXXX, but Convergent was double dipping and wanted me to pay XXXX or them again. XXXX will also not provide as to why a record showing an amount of {$460.00} can no longer be found and why this was sent to Convergent. Convergent has my account number and my passcode, which I also thought was extremely strange. How could they get that information except from XXXX? Since my XXXX account is closed I can longer see my final bill. The only thing I can see is that I have a credit on the closed account. XXXX will not email me my bill. They stated they will mail it to me. I have my XXXX XXXX payment documentation ; the letter from Convergent ; the letter from XXXX, a customer care advocate - CRT with XXXX, stating that the debt letter sent from Convergent was inaccurate. Hopefully I will receive the paper copy of my last bill on my closed XXXX account. I am not allowed to view my final bill or any of my bills since the account was closed, but I do have all my payment documentation from XXXX XXXX Bill Pay. I will never go paperless again. sigh ... I also went onto the Convergent website where they state you can pay your " bill '' online, with a temporary ID ; however, on my letter there was no temporary ID and " Pay Online '' was unavailable. Something just seems amiss and that both companies ( XXXX and their collection agency Convergent ) are trying to cover up something. Especially since XXXX, one of XXXX 's customer care reps, thought it was fraud because he could not find any delinquency anywhere on my account. Another customer care rep said I need to contact you and that you all may be able to help us. If we have a letter from Convergent stating that they have not reported this to the credit agencies and that the delinquency letter was sent as an electronic error due to a miscommunication between XXXX and Convergent and the account was never delinquent, that would be a good start. We want to know why this happened. If there was no delinquent account, why did XXXX alert their Collection Agency. My account was transferred to my husband 's account on XX/XX/XXXX. The first referenced letter ( where they stated I owed {$120.00} when it was a credit ) was sent from XXXX on XX/XX/XXXX. The debt collection letter from Convergent was dated XX/XX/XXXX. We also need XXXX to send us a more detailed letter stating dates when I paid off my phones and when I moved the account to my husband 's account and that there is a XXXX balance with a credit due to me. Even though XXXX and Convergent vehemently state that I do not owe anything and there is no report going to the credit agencies, Convergent will only state this verbally. They refuse to put this in writing. We are hoping we can resolve this with a few simple letters and not have to go to court to get my name cleared of this hurtful false claim against me.
|
| 02/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I contacted a XXXX customer representative over the message center, asking about the XXXX Home internet service deal , the online representative told me the home internet is $ 50 monthly, if I pay an extra $ 10 monthly, I can get a tablet for free, so I agreed. And I paid an extra shipping fee, I confirmed with the representative that the package will arrive the next day. And the next day, it hasn't even shipped yet, but I need the home internet, so I told the online representative to cancel the service, I will return the package once it arrives at my front door. And I asked for the return label on XX/XX/XXXX and went to the XXXX XXXX.
On XX/XX/XXXX, we went to XXXX and got the home internet from them. And we went to XXXX and paid off all the device payments, the worker told me that I have to keep the phone number until the new carrier company becomes my carrier to be able to keep the same phone number.
On XX/XX/XXXX, we went to the XXXX XXXX and talking to a couple of XXXX representatives over the phone asking about the Pin number to unlock the phone, and transferring my phone number and my husband 's phone number to XXXX from XXXX.
So me and my husband have been using XXXX as our phone service since XX/XX/XXXX. And we were not able to log in to the XXXX XXXX on the phone or on their website anymore since we are no longer with them so we were nor able to see any details about the account.
I haven't received any emails or messages after XXXX. But on XX/XX/XXXX, I found out that XXXX has been charging me {$150.00} on XX/XX/XXXX, {$140.00} on XX/XX/XXXX, and {$140.00} on XX/XX/XXXX. I went to the XXXX store on XX/XX/XXXX and asked the worker there what's the reason, the worker pulled out the account information ( I wasn't able to log in myself any more ) and told me that I have been getting charged because there are XXXX lines active, one is the XXXX phone line, and another one looks like tablet service or something that they don't even know exactly. So I was asking them why XXXX is charging me the XXXX phone line? When we went to XXXX a couple years ago, we wanted to open XXXX phone lines for me and my husband, and XXXX gave us a XXXX free line, they stated that the XXXX phone line is free, that's why we never get billed on the XXXX free line the whole time and we don't need that XXXX phone line anyway. Now, we both transferred to XXXX, they are telling us that the XXXX line needs to be cancelled as well, which makes no sense, that XXXX line was given for free because the XXXX lines we opened. Another line was getting charged the whole time, like I mentioned at the beginning about the home internet and tablet, I told the representative to cancel it and I returned the package to the XXXX XXXX with the return label they provided, I didn't even open the box. So the worker at the store called the representative and let me talk to the representative over the phone, she told me that she will request a refund for me for the charge for XX/XX/XXXX and cancelled all the remaining lines.
Later I went home and I realized that I forgot to mention there are XXXX more charges that needs to be dispute as well, so I called the representative at XXXX pm on XX/XX/XXXX the same day, the representative wasn't able to find the final charge, and was confused about those XXXX active lines were getting charged, so she transferred to a supervisor, and the supervisor straight up told me that he is not getting me any refund, and saying that it is my responsibility to cancel the XXXX line even it's a free line, I don't cancel the XXXX free line then I get charged. And about another line that was getting charged, he said I only cancelled the Internet service, I didn't cancel the tablet service, so it gets charged of course. This is ridiculous! The reason I was getting the tablet for free was because I chose to pay {$10.00} extra with the home internet {$50.00}, but since I don't want the home internet anymore then of course the tablet will be returning with it because it was free by coming with the home internet equipment, and I returned the whole box ( including home internet equipment and the tablet ) which the XXXX warehouse should see them when they receive the box.
So I contacted my bank which is XXXX XXXX XXXX on XX/XX/XXXX, and explained my situation and what XXXX is doing to me, my bank helped me submitted XXXX dispute on the charges from XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and they are doing a investigation under those XXXX claims, and waiting for the merchant 's bank 's response.
And today I received the letter about the debt collection from Convergent Outsourcing, I always pay for my bills on time and have a good credit score, but the bills I shouldn't be paying for I will not pay for even {$0.00}. And whatever this Convergent Outsourcing is, the amount they put on the letter is wrong too, I went on their website and found out a lot of people are saying this company is a scam
|
| 05/18/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CERTIFICATE OF MAILING Dear Sir/Madam : I am re-disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ).
Below is A breakdown of the total amount paid {$8000.00}, and amount refunded {$8000.00},.
I expect credit collection agency to provide proof showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge should be provided.
I dispute this debt because I returned the items to the seller.
As I discussed with the bank, if the seller would return the {$1700.00} item to me, then I would be willing to pay for it. As soon as I returned the item, the seller threatened me.
Both items were not what I was promised that I purchased and both returned to seller. When I returned the items to the seller, The seller threatened my life via text message. Police advised me to discontinue talking with seller.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report.
Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act.
The FDCPA require that you honor this request.
Thank you.
Sincerely, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX Department of Consumer Affairs P.s. XXXX Buyer purchased one ( 1 ) crosshatched piece with understanding that it was from XXXX XXXX and XXXX, & smelled like dirt.
XXXX said to buyer that Buyer will never see the money again unless I dispute it with my bank, Buyer Places dispute for {$1700.00} out of the {$6200.00}, as this was a duplicate charge. XXXX XXXX Case number XXXX XXXX refunded {$1700.00} Bank refunded {$6200.00}. ( they could not take back the {$1700.00} out of the payment ) Problem : No XXXX papers or dirt smell on artifact. Terpentine smell on cross hatched stone. No sign of age or No sticker marks.
Bank Tells buyer that is their policy to return the entire amount of disputed payment {$6200.00}.
XXXX refunded buyer bank for {$1700.00} and bank refunded {$6200.00} XXXX XXXX Case # XXXX XXXX refunded money {$8000.00} Buyer Returned both the crosshatched piece and head pipe. XXXX tells buyer that I must collect the money from The seller to refund them. XXXX denies that the purchase were for items. XXXX says I will need to file a subpoena for their records. XXXX blocked buyer account.
Buyer returns both head pipe and tablet ( 2 ) artifacts to seller XXXX Shipping number XXXX Cost for shipping {$100.00} Seller threatens buyer. Seller threatens buyer with physical harm. Seller says he knows someone that owes him a favor and will ring my neck. Police advise buyer to discontinue all correspondence with seller. Police called.
Case # XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX To : # XXXX XXXX # XXXX ; XXXX XXXX Sent : Tuesday, XX/XX/XXXX, XXXX XXXX EDT Subject : Fw : Disputed Transaction I am disputing the amount of the transaction. For reasons previously provided. Let me know if anything else is needed.
-- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX, XXXX XXXX EDT Subject : Fw : Disputed Transaction -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX Sent : Friday, XX/XX/XXXX, XXXX XXXX EDT Subject : Disputed Transaction Convergent Outsourcing Inc .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Dear XXXX ; I am writing to dispute the {$1700.00} transaction that XXXX has sent to Convergent collections.
The transaction was cancelled and item returned to seller. XXXX refunded my money for the item on XX/XX/XXXX. I have returned the item to the seller. The dispute should be collected from the seller, who has the money and the item. Attached is background information regarding the dispute.
Attached documents should account for the disputed transaction.
XXXX Payment XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XXXX XXXX Payment XXXX Bank Statement showing XX/XX/XXXX {$1700.00} Purchase authorized on XX/XX/XXXX XXXX XXXX CA XXXX Card XXXX XXXX XXXX XXXX XXXX letter to transaction claim # XXXX.
XXXX Refund Bank Statement XX/XX/XXXX XXXX XXXX Transfer XXXX XXXX XXXX XXXX XXXX * Refund XX/XX/XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX proof of delivery to seller XXXX ( both {$1700.00} and {$6200.00} items returned to seller ).
I believe that XXXX contact the seller to get any other funds back as I have returned the items and owe nothing. Please respond and let me know what you need.
Thank you ; XXXX XXXX XXXX
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| 01/03/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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To Whom It May Concern : On XX/XX/2018, I was assisting my significant other try and obtain a bank account with XXXX XXXX XXXX. When applying for the account he found out that he was not able to open the account because of a XXXX record he had with a company by the name of XXXX XXXX, who is now XXXX XXXX.
The representative at the Credit Union gave us the number she had listed as a contact, in which we called to inquire. The representative at now XXXX XXXX didnt have answers to the questions and at one point put the call on hold. After that a male voice answered the phone, How Can I Help You?, not identifying himself, not even by name. At this time, there was no introduction I was now speaking with Convergent Outsourcing, a third-party debt collection agency agent.
I proceeded to tell the man on the phone I wasnt sure as I was put on hold and he came to the phone and would continue to inquire about the account on behalf of XXXX XXXX. Because I was inquiring about XXXX, he told me I would have to speak directly to the bank at that point I asked if I was speaking to a collection agency. He did respond by saying yes. I believe it wasnt until then he said that it was an attempt to collect debt. He asked me who he was speaking to, and I replied by saying XXXX XXXX. He continued the call without identifying who I was, just asked my name.
At that point he didnt have the information regarding when the account would fall off XXXX so I then asked to speak to a supervisor. That supervisor too, asked me my name, and I responded, XXXX XXXX and proceeded to speak with me. Later on, in the call, I did inquire about her speaking with me and her response was, I can speak with anyone who calls about the account because they didnt have a contact on file. This is clearly a violation of the FDCPA.
To follow-up regarding the FDCPA violation and complaint written by XXXX XXXX, he received a response regarding the this violation and several others they refused to address in the letter by misrepresenting me and falsifying documents to the different agencies, i.e., Consumer Protection Financial Bureau, Attorney General, and the XXXX XXXX XXXX stating they were not in violation because I was representing myself as a person of the business account in question from XXXX XXXX who listed herself on the document as a Compliance Supervisor.
After receiving the letter, I too read the response, that falsified who I said I was and tried to follow-up with XXXX XXXX for clarification and to date, havent received a response to the above claim. When trying to call the business, Convergent Outsourcing, I was hung-up on by the receptionist and treated very rudely by all parties in the company.
After asking for a supervisor, I was transferred to 3 different people, one who identified themselves as just a collection representative, another who said she was a team lead who worked with management and said all supervisors were in a meeting. I was finally able to get through to a person by the name of XXXX XXXX, who identified himself as a Managers Assistant he would not speak with me regarding the account after telling him how the letter read. He said he didnt feel comfortable. I asked him to have XXXX XXXX get back with me and to date, again, have not heard from her.
After not hearing from her, XXXX and I went to the company where we were treated like criminals by the receptionists, one who said it was illegal to transfer calls without an account number and the other who refused to give her name because she was in fear that we would find her on XXXX? It took at least 20 minutes for them to send down the Operations Manager who was also rude and unhelpful.
I had to wait for attention to tell her our concerns with the account as she stood up in the middle of the conversation and started looking for her cell phone, then proceeded to ask XXXX if he had seen it as if he stole it from her. It was very disturbing that she not only thought he stole it from her but that was her concern more than the customers she had in her office regarding FDCPA violations and abusive employees of Convergent Outsourcing. The receptionists both were working with paperwork face-up on their desks which too is a violation.
I have now made several attempts to contact the company regarding this situation and the falsifying of records and they will not respond, the Operations Manager even said, she wasnt going to deal with the situation. I respectfully asked her why and she said she doesnt have to give me reason, very rudely. She also refused to give a time frame in which we can check back with her for answers. XXXX and I continue to get ignored and have no choice but to file complaints to resolve the issues we are having with Convergent Outsourcing. They are a business operating untactfully, falsely and not following federal guidelines written in the FDCPA.
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| 03/19/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on uncollectable debt after the statute of limitations.
Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Under 15 U.S.C. 1692g ( a ), a debt collector must, within five days of the initial communication regarding a debt, furnish the consumer with a written notice that states ( 1 ) the amount of the debt, ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer disputes the validity of the debt within 30 days, the debt collector will assume the debt is valid, ( 4 ) a statement that if within the 30-day period the consumer notifies the collector in writing that the consumer disputes the debt, the debtor will obtain verification of the debt from the creditor and have a copy of that verification mailed to the consumer; and ( 5 ) a statement that if the consumer requests it in writing, the debt collector will provide the consumer with the name and address of the original creditor if it differs from that of the current creditor. A debt collector who does not provide the information mandated by 1692g ( a ) violates the FDCPA. A debt collector who violates any provision of the FDCPA is civilly liable for actual damages, reasonable attorneys fees, and additional statutory damages under 15 U.S.C. 1692k ( a ). ( 2 ) ( A ) In the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) In the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector.
This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint was also filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA.
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 05/23/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I closed my XXXX account in XX/XX/XXXX, I had 3 phones to return for credit. They sent me the return box 's and paperwork but sent it to my old address. After 20 to 25 days of not receiving the return paperwork and boxes I call XXXX and found out they shipped it to wrong address. I gave them the right address and they said they would fix the address on the account and sent the return paperwork and box 's right out.. I wanted 30 or so days and never received the stuff so I once again called XXXX and found out they sent it to the same wrong address again. That apparently the rep felled to change the address. So once again XXXX said they would fix the address and send the return stuff right out. This happened a total of 4 times before they sent me the return paperwork and a box for one phone. So Instead of sending 3 phones back for credit which would have totalled around {$2300.00}, I sent XXXX phone back for credit of around {$1300.00} and just kelp the other two because I owned them out right and was tired of dealing with XXXX. It took over 5 months for them to just get my address fixed, and no telling how long it was going to get them to send me 2 more return boxes so I just decided to accept the loss and move on.
In XXXX of XXXX I received a letter from Convergent Outsourcing - XXXX that stated I had a outstanding balance of {$750.00} with XXXX and it had been tuned over to them for collection. I called XXXX to find out what was going on because I had automatic bill pay with them when I used their service. They checked into and told me that who ever closed the account at XXXX closed the automatic bill pay first before the balance was paid instead of collecting the balance and then closing the account. I asked them If I pay this now will you get it taken off of my credit report and get the collection removed from my credit report. They said yes and they were sorry that whomever closed the account done it wrong and they would make sure everything was fixed. So I paid the amount ( which I don't think I even owed ) with no question asked because them fixing my credit report was worth more than the {$750.00} and I just wanted this all over and done with so I could just move on.
I wanted a few weeks and all of the XXXX stuff was taken off but the collection company did not remove anything. It still showed it as a going to collection but being paid all in the same few days. So I called XXXX and they told me that they showed that it was all removed. And if they still had it on my report to call them and tell them to please remove it from my report because it was a mistake and it had been taken care of. So I called them and at first they didn't even show them having it that XXXX pulled it back. So I spoke with the office manager and was told it would be 7 years before it was removed and there was nothing I could do about it and that she had worked there for 10 or so years and she had never seen them remove anything from someone's credit early. After I explained what all had happened she informed me to have XXXX contact them and they would talk with them about removing it.. So once again I called XXXX and told them what was said. The Credit Department Manger from XXXX call them while I was on hold and after 15 or so minutes came back and said it was taken care of that it was in their back office and it would take a few weeks for me to see it removed.
That was 2 months ago and it still there. So once again I called XXXX and after an hour and a half on the phone with them they told me the best way to handle this and get it resolved was to file with all 3 credit reporting companies and have it removed that way because they were getting nowhere with Convergent Outsourcing. So I did that twice and it still wasn't removed.
So that bring me to today.. I thought I would give this a shot.. I have over 85+ hours on the phone with XXXX and all others involved. This has dropped my credit 80 to 100 points and not telling how much money this has cost me due to not getting the best rates when We just bought a new car and a few other things.. I had a XXXX when all of this started and now I have a XXXX.
I don't know why that company has it out for me. If they were to look, they would see its been over 4 years since I have even missed a bill payment. I don't know if XXXX owes them from where they sent it to them by mistake or not but they only had it in their hands a few days before XXXX took it back to get it fixed. And XXXX has every one of my calls documented and it takes the awhile to go through them every time I call but on each call I'm told that they will get it removed and fixed but still no such luck.
|
| 01/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX, XXXX claims I owe them {$190.00} for an outstanding XXXX bill from XX/XX/XXXX. They have been reporting I owe this debt to the Credit Reporting agencies, thus causing a derogatory on my Credit report, preventing me from establishing Prime Rates/Offers. On XX/XX/XXXX, I mailed a debt validation letter, requesting VALID proof that I owe {$190.00}.
" Date:XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : Account # XXXX Debt Amount in question : {$190.00} 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 theFair 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 ActandDefamation 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 office fails 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.
Please provide the name and address of the bonding agent for Convergent Outsourcing , Inc .
in case legal action becomes necessary. 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.
Best Regards, XXXX XXXX " On XX/XX/XXXX, I received a General letter with a Pen Mark ticking the box " This debt is valid, attached is verification of the debt ''.
All that was included was a Copy of a Bill from XX/XX/XXXX. It did not include a contract, signature, Proof of when the account was open or closed, or anything proving the debt.
I would like for the CFPB to assist me in dealing with this company, as they clearly did not read my debt validation letter.
Thank You!
XXXX XXXX
|
| 05/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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On XX/XX/XXXX I received a letter from a debt collector, Convergent Outsourcing. The letter was a notice of debt owed to XXXX for the amount of {$270.00}. I do have a XXXX account, but use it very infrequently, maybe once a year ... maybe once every two years. I did not recognize the sum and the letter was surprising. It looked like junk mail, I'm glad I opened it.
I went online and checked my XXXX account. The account was normal, in good status, a XXXX balance, all payments in the history tab had cleared. I assumed at that point the Convergent Outsourcing letter was junk, a scam, etc. I was ready to toss this piece of mail, but did a online search for " XXXX Convergent Outsourcing '' and boom, a whole slew of hits popped up dated from XX/XX/XXXX to XX/XX/XXXX. Clearly this same scenario has been played time and time again for nearly a half decade ; and it continues today.
At this point I called XXXX ( a one hour wait for every call and transfer ). The XXXX rep confirmed that my account was in good standing, saw no suspicious activity, and knew nothing of the collection letter or had any answers for me.
I called the number on the Convergent Outsourcing letter. I talked with a Convergent rep. At first the rep appeared to be helpful in solving this problem, but after a short time I felt I was being baited into saying " yes I have used XXXX before '' and " yes I do have a XXXX email account '' ; in this day in age it's like saying " yes, I breathe air ''. I said I felt uncomfortable with the call and was going to hang up and did. But before I hung up I did deny knowing anything about the debt or the XXXX account used to create it. What I did get out of the conversation is that my NAME and ADDRESS were used to create a XXXX account and the fraudulent XXXX account was linked to a XXXX account ( I don't believe my credentials were used to start the email account ). I also got the impression a bank account that was not mine or in my name was used to link to the fraudulent XXXX account.
XX/XX/XXXX I did find time to once again call XXXX to remove my name from the debt and get some answers. After a few transfers I was able to talk to one rep in the fraud department who was able to use on of the account numbers on the Convergent Outsourcing letter to pull up the fraudulent account information. The rep was able to confirm what I had learned from Convergent ; which was this : XXXX allowed : 1. A second XXXX account to be created in my name with the use of two pieces of information about me : my NAME and physical ADDRESS.
2. A new XX/XX/XXXX and Bank account ( not in my NAME ) were linked to the fraudulent account.
3. The fraudulent XXXX account was then used to make one or more transactions. Then the XXXX and Bank account were then closed.
After some Q & A with the XXXX rep, I was told the fraudulent account and debt would be escalated in the fraud department for further investigation, but that I was clearly not a part of this scam. The rep assured me that the account and debt would be cleared with Convergent ; and this process could take 3-4 weeks. I would be notified via email when the issue was resolved.
By XX/XX/XXXX I still had not received such an email or any other communication from XXXX.
On XX/XX/XXXX I received a second letter from Convergent Outsourcing. The body of letter stated that Convergent had received my claim of Identity Theft and had forwarded it to the original creditor ( XXXX ). The creditor responded and indicated the Identity Theft claim was not valid.
On XX/XX/XXXX I called Convergent Outsourcing. The rep confirmed that XXXX had denied the Identity Theft claim and the debt account was still open ( and Convergent is still attempting to collect the debt from me ).
Later on XX/XX/XXXX I called XXXX again. After many hours of holding, transfers, and callbacks seeking a qualified rep who had the aptitude to understand the issue and trace down the fraudulent account, I was able to speak with someone who ( once again ) said they would escalated the account to the XXXX Collections department for another look. I did get a direct phone number for XXXX Collections ( not an easy feat ) so I will follow up with that number tomorrow. What I did find disturbing about today 's conversation with the XXXX rep, is that the fraudulent account was still active ... the rep froze it for the first time today.
It's disturbing to me that this loophole in the XXXX system has been exploited for over a half-decade and XXXX is turning their clients who are in good standing over to debt collectors.
|
| 07/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I had a collection with CONVERGENT OUTSOURCING, INC. Said collection was for a past creditor ( XXXX XXXX USA ). I was working with an attorney to help settle this, along with other debts. My attorney was able to obtain a settlement agreement with Convergent and set up a payment schedule. Said schedule ran from XX/XX/XXXX ( 1 time monthly ) through XX/XX/XXXX ( Final payment ). On XX/XX/XXXX, the final payment status was updated to show " cleared. '' On that same date, I called Convergent and spoke to a representative by the name of " XXXX XXXX. '' I informed Ms. XXXX that I was calling to obtain a letter from Convergent stating that my account had been " PAID IN FULL/ SETTLED '' and would be removed from my credit reports. Ms. XXXX confirmed that the final payment had been received, but informed me that since the payment had just been received on XX/XX/XXXX ( The day prior ), I would need to wait until Monday - XX/XX/XXXX, to request the letter I was seeking. She informed me that on that day, they would gladly process my request for this letter. I thanked her and the phone call ended.
Since XX/XX/XXXX, I have been making daily numerous call attempts ( Morning, noon and evening - Different times during the day ) to contact Convergent and speak to someone regarding my request and my paid account. I have called numerous telephone numbers provided via past letters, XXXX searches and even the telephone number provided on my XXXX credit report, with no success. Each time I call, I get an answering machine message stating " Unavailable to answer my call at the moment, please call again during normal business hours, '' and " We are unable to assist you at the moment, please try again later. '' I have even sent an email requesting for assistance and detailing my attempts. No response.
This morning ( XX/XX/XXXX - XXXX XXXX ) I tried again, called the number provided on my credit reports ( XXXX ) and was given a different voicemail message. This voicemail message stated, " We are unable to assist you at the moment, but your call is important, please call XXXX. '' I called that number and a message answered my call stating, " We are unable to assist you at the moment, but your call is important, please call XXXX. '' Basically asking me to call the number I had just called. I tried again using one of the other numbers previously attempted ( XXXX - Number obtained through a Convergent website, originally called and spoke to representative XXXX XXXX on XX/XX/XXXX, using this number ) and was prompted to call XXXX. Then I called another number provided on the last letter received from Convergent ( XXXX ) this is also another number provided on their website, and I was prompted with the message that stated, " We are unable to assist you at the moment, but your call is important, please call XXXX. '' Once again, basically asking me to call the number I was calling.
I am asking for any assistance in reporting this company. I have emailed them, I have called them, I have done everything short of hopping on a plane and going to Washington State personally to try to talk to someone about this request.
On XX/XX/XXXX, I ran a XXXX search and called a number which popped up as Convergent. I explained the situation and the gentleman that answered ( XXXX XXXX ) informed me that he did not work directly with Convergent, but he worked assisting to remove companies like Convergent from people 's credit reports. He did inform me that I was not the only individual that had reached out to him. He mentioned receiving many calls from different people also complaining about Convergent and that he had knowledge that a month prior ( XX/XX/XXXX ), Convergent had been heavily fined in Washington State for their business practices and from what he understood, they had perhaps even closed their doors as of the end of XX/XX/XXXX.
I am not sure what to do. I have paid Convergent all the money that was agreed upon and now, I am unable to reach anyone with Convergent in order to obtain a letter from them confirming that my account is PAID and would be removed from my credit reports. This is affecting my credit score negatively. I do not want to deal with any other collection agencies that may come around later attempting to collect for this debt in a few months, years, etc. I have already filed disputes with the credit agencies and am waiting for their investigation to conclude.
Any help would be greatly appreciated! This company should not be allowed to just collect and disappear.
Thank you!
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| 12/22/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have been continuously denied for services started in XX/XX/XXXX that are supposed to be meant for me to receive. I have contacted multiple representatives, agents and supervisors at this company through email, mail and voice. Ive filed complaints with XXXX and XXXX which resulted in me receiving a denial letter. Ive contacted the trustee ( XXXX XXXX XXXX XXXX XXXX ) and treasurer ( XXXX XXXX ) of this company and have not gotten any remedy regarding my accounts. I know that using the SSN assigned to me at birth doesnt belong to me according to the guidelines, rules and procedures of the SSA act and that I have been turned into a transmitting utility ( Privacy Act of 1974 ). I know that ALL debts public and private belong to the United States according to Title 18 sec 8. I now know that all these years I have been paying a debt with debt notes and have tried to properly pay with the bonds attached to the remittance slip and have been denied. I have filed billing errors with XXXX XXXX, XXXX company and my services have been interrupted and is still currently off 15 USC 1666 ( a ). I have been hindered over these past few months because my life has been stopped with work, family, not being able to reach out or make important calls and missing important calls regarding court cases. XXXX XXXX, XXXX have not been following protocol according to their security agreement theyve filed with the Securities Exchange Commission XXXX XXXX. XXXX XXXX, XXXX have taken adverse action against me and shut off my services, closed my accounts, and denied me access to even view any statements needed to make proper payment 15 USC 1666 ( Pub. L. 90321, title I, 161 ). I know for a fact that XXXX XXXX, XXXX company have committed mail fraud over these eight years that Ive have services with them by sending statements via online portal and certified mail that are considered securities in which are supposed to be sent registered mail and have been soliciting a bill to me in which only the president of the United States can write bills that are put into effect. I know that according to the Securities Exchange quarterly and annual reports all debts are to be discharged and copies of the income that has been discharged should have been sent to me via registered mail so that could file them with my 1040 individual tax return. I have been threatened and violated in reporting my personal information to the credit agencies and have had multiple third party debt collectors come after me in pursuit of collecting debts owed 15 USC 1666 ( a ) ( Pub. L. 90321, title I, 162 ). I know that any account that has an outstanding balance in access of 1 $ and should be credited to my personal account 15 USC 1666 ( d ) ( Pub. L. 90321, title I, 165 ). I have previously sent in the statements to the proper departments for payment with the proper bonds and even attached the remittance portion which is supposed to be deposited into my personal account via electronic funds transfer, 22 CFR 22.3 and T- Mobile XXXX XXXX XXXX XXXX have kept the payment stub and remittance coupon. I know that due to my ignorance I was unaware.
Please help me get relief as I have been denied trying to properly get remedy.
The definition of an account 12 CFR 1002.2 means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.
Adverse action means ( i ) A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered; ( ii ) A termination of an account or an unfavorable change in the terms of an account that does not affect all or substantially all of a class of the creditor 's accounts ; or ( iii ) A refusal to increase the amount of credit available to an applicant who has made an application for an increase.
Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes.
45 CFR 2554.4 A statement means any written representation, certification, affirmation, document, record, or accounting or bookkeeping entry made with respect to a claim or with respect to a contract, bid or proposal for a contract, grant, loan or other benefit from the Corporation. Also the Telephone Act Title 47 USC 227 says that I am entitled to everything in my demands upon written notice.
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| 03/29/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2020 Convergent Outsourcing, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX Re : XXXX Dear Convergent Outsourcing, Inc : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2020 and identified the debt as XXXX XXXX, XXXX. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation.
Sincerely, XXXX XXXX
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| 05/20/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Hello, I took out a student loan from XXXX XXXX / XXXX XXXX XXXX in XX/XX/XXXX. I was unable to keep up with payments on this loan, and the last payment I was able to make was in XX/XX/XXXX. Collection activity began shortly thereafter, primarily from Convergent Outsourcing , Inc .
I am writing today to formally complain that Convergent Outsourcing has illegally re-aged this debt and has begun reporting it to the three credit bureaus again, despite the it being far too old to continue reporting. This debt aged off of my credit reports in XX/XX/XXXX, 7 years after the last payment along with the credit reporting time limit.
Suddenly, on XX/XX/XXXX, this debt has re-appeared on my credit report and has damaged my credit again. According to the bureaus and my reports, Convergent Outsourcing is claiming that my Date of First Delinquency is XX/XX/XXXX. As you know, the Date of First Delinquency is defined as the date a consumer first becomes 30 days late, never brings the account current, and then a charge off ensues. The account was charged off in XX/XX/XXXX, as you will see in my supporting documents, but this is obviously NOT the DOFD. The re-aging of this debt is illegal and is an attempt to bully me. According to the Fair Credit Reporting Act, the latest possible DOFD is XX/XX/XXXX. As I write you today, this is 7 years and 8 months ago.
I am attaching a few documents, all from my XXXX credit reports, to help you understand.
1. ) Screenshot of XXXX - XXXX showing Date of Last Payment - This image is a direct screenshot of my XXXX credit report from XX/XX/XXXX, clearly stating that the last payment I made on this account was XX/XX/XXXX. It also shows that they discontinued reporting the debt in XX/XX/XXXX.
2. ) Full Credit Report _ XX/XX/XXXX_ FINAL CONVERGENT.pdf - This is a copy of my credit report from XX/XX/XXXX, showing both the XXXX/XXXX XXXX XXXX ( XXXX ) loan ( details in the screenshot above ) in the Accounts section, along with Convergent in the Collections section. This shows the original creditor as XXXX XXXX XXXX XXXX, the trust that originally bought the charged-off loan from XXXX.
3. ) Full Credit Report_ XX/XX/XXXX_ CONVERGENT FALLS OFF.pdf - This document shows that Convergent ages off of my report according to the appropriate timeline.
4. ) Full Credit Report _XX/XX/XXXX XXXX FINAL WITH DOFD.pdf - This is simply showing the full final credit report on which the XXXX / XXXX loan existed, with the details from document # 1 included.
Full Credit Report _ XX/XX/XXXX XXXX FALLS OFF.pdf - This report shows the original loan from XXXX/XXXX has aged off of my report, 7 years from the DOFD.
5. ) " Full Credit Report _ XX/XX/XXXX BEFORE CONVERGENT REAPPEARS.pdf - This document shows the state of my credit report before Convergent illegally reported my debt to the credit bureaus.
6. ) Full Credit Report_ XX/XX/XXXX _ CONVERGENT REAPPEARS.pdf - This, finally, is the report showing Convergent inaccurately and illegally reporting this debt, suddenly re-opened in XX/XX/XXXX.
I have contacted and disputed this with all three bureaus. XXXX and XXXX continue to investigate, but XXXX was expectedly insufficient, maintaining that the account had been updated and that the DOFD was XX/XX/XXXX. They explained to me over the phone that they simply contact the furnisher to confirm the information on the report rather than looking into the details. Its clear to me that the dispute process via the bureaus is not thorough enough and that a complaint against Convergent Outsourcing is necessary. I am not comfortable attempting to dispute directly with Convergent as their tactics are clearly abrasive and aggressive. I would sincerely appreciate your thorough investigation as you will see that this reporting behavior is extremely inaccurate and illegal.
Finally, I just want to recap that this debt originally aged off of my credit reports appropriately. It is this sudden activity as of XX/XX/XXXX that has caused me to write you today, as they are attempting to muddy the Date of First Delinquency and bully me by reporting this well beyond the legal timeline. It is important that Convergent reports this accurately and that XXXX, XXXX and XXXX acknowledge the change.
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| 09/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, XXXX has constantly let Convergent Outsourcing report account number XXXX an invalid debt in the amount of {$130.00} to my credit file.
Dispute letters were received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This I know from my certified mail with signature.
The latest response I received from XXXX was on XX/XX/XXXX and this response from XXXX stated that account number XXXX with a balance of {$700.00} was in fact valid.
This invalid debt was reporting to all three of my credit files including, XXXX, XXXX and XXXX.
As of current day, this invalid debt is reporting to my XXXX credit file.
This Invalid debt has been deleted from my XXXX and XXXX credit file but still somehow maintains to report to my XXXX credit file.
I have reached out to Convergent Outsourcing as well as XXXX to provide me with their method of verification about this invalid debt of {$130.00} and have been met with non compliance several over the past 24 months.
Every time a dispute letter was sent, XXXX and Convergent Outsourcing has constantly sent me a response stating that the debt was valid and both companies has never mailed me their METHOD OF VERIFYING the debt as required by the Fair Credit Reporting Act.
XXXX and Convergent Outsourcing has continously and willfully violated my rights as a consumer by not following the FCRA guidelines by not providing me with their method of verification.
XXXX and Convergent Outsourcing has not responded within the required 15 day deadline of them providing me a legal METHOD OF VERIFICATION.
Both companies have only responded back to me by mail stating that this invalid debt is in fact valid.
Every time i have disputed this invalid debt of {$130.00}, Convergent Outsourcing has mailed me back a copy of a bill that they claim is mines and stating the debt is valid.
As for FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification Both XXXX and Convergent Outsourcing have acted in bad faith by not responding to me letting me know their method of verification. This is what Convergent Outsourcing has been mailing me back over the course of 24 months.
I have previously reached out to XXXX and Convergent Outsourcing several times providing both companies with all the required documentation concerning this invalid debt.
In return BOTH companies have violated my rights as a consumer.
I have have mailed Convergent Outsourcing and XXXX several times over the 24 months asking for theIr METHOD OF VERIFICATION and for all 24 months, and have been denied my request for how they are verifying this invalid debt.
The documents that i have provided with this complaint is proof that i have been met with NON COMPLIANCE several times over the past 24 months from both XXXX and Convergent Outsourcing using these illegal tactics to benefit both companies financially.
XXXX has stood by over 24 months and provided a way to let Convergent Outsourcing report this debt without investigating if Convergent Outsourcing actually had a method of verifying the debt.
As noted, this debt is currently deleted from my XXXX and XXXX credit files, but Convergent Outsourcing has refused to delete this invalid debt from my XXXX Credit file.
Also as stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well.
This is the Information that the credit bureaus are supposed to store in their database on every consumer.
As well as 609 ( c ) ( E ) I am asking the Consumer Financial Protection Bureau to investigate the non compliance by XXXX and all Convergent Outsourcing who are reporting this invalid debt of {$130.00} to my XXXX credit file and not providing the required method of verification per my right as a consumer as said in the Fair Credit Reporting Act.
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| 06/20/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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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
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| 02/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This debt is appearing on my credit report, I disputed the debt and did not receive valid proof that this debt belongs to me. This company is reporting false information, stating this account was opened in XX/XX/XXXX, I have no opened any account with this company or its affiliates in XX/XX/XXXX. This is my second request to have this account validated, fail to due so will result in me taking legal action.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX RE : DISPUTE VALIDATION To Whom it may concern, Please 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 a 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 DDCPA. I have respectfully request that your offices provide me with competent evidence that I have a legal obligation to pay you. At this time I will also inform you that if your office have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this 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 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 listings 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 yoru client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTION 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/shXXXX agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any judgements obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number 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.
Commissions for debt collector of collection efforts are successful.
Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX XXXX in case legal action becomes necessary. 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 of the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards, XXXX XXXX Cc : Federal Trade Commission
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| 12/13/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On last year, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that COVERGENT OUTSOURCING had posted a alleged collection account to my credit profile. I have never heard of nor had an account with this company. My report shows that it was an open account and was opened on XX/XX/2020 with a balance of {$280.00}. Prior to the email, I had no know knowledge of this company nor this alleged debt. I had never had an any dealings with this company. Once I saw this account on my credit report, I IGNORANTLY paid the debt to COVERGENT OUTSOURCING because I was in the middle of purchase my home. They told me that the best thing to do was to pay the debt even though I explained to them that I had no debt with them. So I told them that, even though the debt was NOT mine, that I would pay the debt because it was hurting my credit profile. I told them that my payment was NOT my admission or acknowledgement that the debt belonged to me. It was only because I needed it to be paid to finish my home buying process. However, I recently learned that a debt collector is supposed to make contact with an alleged debtor about an alleged debt and give them time to respond. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they can automatically assume the debt belongs to a particular person. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received contact stating that I have an alleged debt with this company and owe a balance on a certain account. Again, I had absolutely no knowledge of this account with them and was not contacted before the account was posted to my credit report. I now understand that, under the FDCPA guidelines for collection agencies, a debt collector has to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of an alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report without following federal FCRA and FDCPA, I would have not paid them before respectfully requesting evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter or contact about this account ever in the mail or phone call. They illegally posted and reported to my credit file without adhering to the FDCPA laws. I feel like I was scammed because I paid them, yet they didnt follow the FRCA or FDCPA laws. I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit scores dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have been delayed because this illegal account is still listed to my reports. Convergent Outsourcing , IncXXXX XXXX box XXXX XXXX WA XXXX XXXX
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| 05/04/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I called XXXX XXXX to settle XXXX collection account. I was transferred to XXXX XXXX ( Supervisor ). He stated that I can settle the XXXX account ( XXXX ) in the amount of {$430.00}. XXXX stated that once payment was processed I would receive a letter via email stating that account was settled and closed on Friday XX/XX/XXXX. I used my credit card and settled for {$430.00}. Friday came along and I had not receive the email with the settlement letter. I called the following Monday and spoke with XXXX XXXX. She confirmed that the {$430.00} was received. She then transferred me to XXXX XXXX. XXXX stated that the reason why the settlement letter was not sent was that they needed a credit card receipt showing payment had been cleared. I asked XXXX why he didn't tell me this last Wednesday and he apologized and said he " forgot '' to mention this. He said would put a rush order once they received my credit card statement and I would receive my letter in 24 hours. I submitted my credit card statement to XXXX XX/XX/XXXX at XXXX XXXX. The following day I checked my email and again I received nothing from XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX and spoke with XXXX, she let me know that on her notes stated that {$430.00} was applied to account XXXX and that a settlement receipt was requested on XX/XX/XXXX. She transferred me to XXXX XXXX. XXXX said that he requested letter and that was all he can do at this point. I asked to speak with his Manager. He placed me on a long old and let me know that his manager XXXX XXXX XXXX was in a meeting but he was able to ask him to re-rush the request. He said XXXX would expedite the letter and I should received within 24 hours. On XX/XX/XXXX still I had not received anything. I called XXXX XXXX and spoke with XXXX XXXX, I asked him to transfer me to XXXX. XXXX stated that XXXX had gone home for the day and to try back tomorrow. XXXX said he would put in another request to have email expedite and should receive with 24 hours. Later that day I received a receipt showing that {$430.00} was paid on XX/XX/XXXX and account STILL had a balance of {$430.00} that was still due. On XX/XX/XXXX I once again called XXXX XXXX and spoke with a representative ( didn't catch her name ) I asked her to transfer me to XXXX. She said that XXXX has gone ome for the day. I asked her when XXXX left the office and she said XXXX CT ( XXXX pst ) My local time was XXXX XXXX pst. I then asked her to transfer me to another Supervisor. She transferred me to XXXX XXXX. I explain to XXXX the whole situation and she said that she did see on her notes that the {$430.00} was paid. I asked her to email me the letter I been asking for stating that account was settled and closed. She put me on a long hold. When they jumped back on the call another supervisor was on the line. It was XXXX XXXX. He had not actually gone home for the day, he may have been avoiding me. I asked XXXX why he didnt keep his word on sending me the document I have been requested. He said that indeed they sent me a receipt. I told him that all I received was a receipt showing that I paid the {$430.00} but still was showing a balance of {$430.00}. I again let him know that that's not what we had agreed to. He said that all he can do is request reipert. He also said that he would " Manually '' close the account. I asked him why he didn't do that last week when we settled the account. He stood quiet. I asked him to close the account manually He said that we needed to end the conversation before he can manually close the account because he wasn't at his desk. I asked to speak to his Manager. He placed me on hold. He came back and said that his manager was in a meeting. I told him that he used the exact same excuse last time I asked to speak to his Manager. Then I asked him how long his Manager 's meeting would take. He said he didn't know, maybe 30 minutes maybe the whole day. After so much frustration, I asked XXXX to manually close the account and to send me proof. Hopefully XXXX honors his word this time.
|
| 01/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Attn : Consumer Financial Protection Bureau, And as such, this complaint is in regards to a litany of fraudulent advances by the following entities, such as XXXX XXXX XXXX, Convergent Outsourcing INC, and XXXXXXXX XXXX XXXX, XXXX.
Moreover, this matter has been disputed in near the ending of XXXX, and in XXXX, of XXXX, in which I ended up winning on all disputed occasions with all three credit bureaus, but not only that this debt has no impact whatsoever on any of my credit files, or from any of the major credit bureaus.
Furthermore, it's a desperate and appalling attempt by all the entities that's still utilizing means of trickful advances with stunts to cause debt re-start, to take advantages in every possible and underlying ways disturbingly.
In addition, these advances by XXXX XXXX XXXX, Convergent Outsourcing INC, and XXXXXXXX XXXX XXXX XXXXXXXX ... Are further attempts in which supports ethical fallacies, in written rationale fallacies, extortionate deeds, egregious acts, and downright major monkey businesses in which is seriously and dangerously non-de-minimis in itself etc.
Also, please keep in mind that such debt has long exhausted its maturity time frame to collect, and therefore these companies are well aware of every tactics in their mysterious approaches. More broadly, such acts can easily be labeled as knowing and culpable negligence without bias by any body of oversight governmental, and watchdog agencies undoubtedly speaking.
However, back in XXXX of XXXX, one of XXXX XXXX XXXX, affiliated entities, such as XXXX XXXX XXXX XXXX, utilized a symbolic method in regards to a college loan of nearly {$7000.00}, stunt-fully and tactfully by incorporating XXXXXXXX XXXX, to where I ended up bringing the matters to the Indiana State Attorney 's General 's Office, and as well as to the CFPB, and won both successfully speaking.
" Progressively, one of the attorney 's representing the Indiana State Attorney General 's Office, did share with me that if they XXXX XXXX XXXX XXXX, attempted to come after me, again by any deceitful and unscrupulous acts that they would revise what I layed out to them in complaint and take appropriate actions etc. '' So, in essence it appears that these interchangeables of entities hasn't learned any lessons to cease and desist from trying to underlyingly slight myself as a consumer, and perhaps the many other 's that has fallen to a emblematic approaches by means of ugly ulterior motives.
Additionally, XXXX XXXX XXXX, and companies affiliated will stunt-fully share a debt within their entities to entrap myself on multiple occasions, and I also believe that this is an unethical plan that is being utilized against otherly consumers to trick disadvantageously speaking, especially for those consumers that are not wisely privy to these nefarious acts by XXXX XXXX XXXX, and their affiliated counterparts.
In further, XXXX XXXX XXXX, also utilize means of in writtens of harassments, invasion methods of privacy by tracking consumers in credit establishments and to track where consumers are residing etc. It's a disgraceful act to begin with, but one that should be seriously investigated at the highest levels, that way the highest levels of justice 's can be levied without questions.
Progressively speaking, I am calling for an immediate investigation against these affiliated sister companies, as well as against XXXXXXXX XXXX XXXX XXXX. Also, I would like for what I've shared thus far to be shared with multiple governmental agencies as a further means of helpful and informative information etc. And I will do my part as reflecting to a lawyerly pursuit, because it's time that these entities are taught a severe consequential lesson etc.
Furthertively speaking, these in writtens and shared chronicles now concludes the despicable acts of all the aforementioned entities that will for surely be facing swift and vigorous justices in a timely manner.
Please Note : Verifications of documents attached.
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| 02/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Reported Debt Balance : {$1300.00} Reported Open Date XXXX : XX/XX/2016 Reported Open Date XXXX : Invalid Date The inaccurate/non-existent information above was recorded from my credit reports on the date of the submission of this complaint.
After thorough and extensive investigative efforts, I discovered that Convergent Outsourcing is notoriously known as a repeat offender in regards to inaccurately reporting information and re-aging debts on various consumer credit reports. According to FCRA 605 ( c ), the aforementioned practice along with failing to accurately report the Date of First Delinquency ( DOFD ) with the original creditor to the credit bureaus is a dereliction of duty, abuse of power, and against federal law.
Like numerous others, I have also fallen victim of these deceptive practices by Convergent Outsourcing. I have been proactive in addressing my concerns directly with them before presently resorting to assistance from, and filing complaints with the CFPB and FTC. Below are the details of my complaint for which Convergent Outsourcing should be held accountable for not adhering to established statues in FCRA.
Currently there is an inaccurate account from Convergent Outsourcing on my XXXX and XXXX credit reports that I have disputed the validity of multiple times through certified US mail. Unfortunately I have not received a response from Convergent Outsourcing nor have the inaccuracies been sufficiently addressed or updated on my credit report. I am able to furnish copies of the letters and the dates in which they were sent upon request. I do not believe my disputes were thoroughly investigated in a timely manner in accordance and compliance with FCRA ( a ) ( 8 ).
Under the Open Date field on credit reports obtained directly from the credit bureaus as recently as the date of this complaint, the account in question displays either Invalid Date or a non-compliant DOFD. I am able to furnish copies of these reports showing this egregious reporting upon request. According to FCRA 623 ( a ), Convergent Outsourcing is in violation of this statue and must be held accountable to their duty as a furnisher to report accurate information.
With such inaccurate and arbitrary reporting of important information such as the DOFD to the credit bureaus, theoretically, how is any consumer supposed to clearly set the exclusion date for a collection? Federal statue recognizes that the source for determination of the DOFD is the creditor under which the delinquency occurred. This date shall be based only on the DOFD on the account with the original creditor and not on any other date related to the collection, such as the open date of the collection. Failure to provide a date at all, a date not in compliance with the FCRA or an invalid date shall deem the reporting itself invalid and in blatant violation of consumer rights under federal law.
In furtherance of this complaint, I implore the CFPB for their assistance in my request that Convergent Outsourcing provide account validation consisting of the following : 1 ) Disclosure of whether they obtained the DOFD from the original creditor and if so, the exact date. 2 ) Original date of default and commencement of their collection activities. 3 ) The dates through which the debt allegedly accrued. 4 ) Whether or not the debt was purchased and if so, the date and the amount paid. 5 ) The original application or contract bearing my signature.
Please be advised that the requested validation documentation above I am legally entitled to request under the FDCPA 15 U.S.C. 1692g. A copy of a bill or a statement of monies due does not constitute verification or validation of debt. If validation can not be established, I respectfully request Convergent Outsourcing remove all active, inaccurate, derogatory reporting from the credit bureaus and cease any efforts to re-report the debt through illegal re-aging practices in the future.
|
| 11/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
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Convergence Outsourcing https : //www.convergentusa.com/outsourcing/request/make began contacting me on XX/XX/XXXX over an alleged debt. I do not answer unknown calls. I called back under a different line and the person answered demanded to know what number I was referencing and would only tell me his first name. He finally told me he worked for " XXXX XXXX '' yet the numbers they call from are related to https : //www.convergentusa.com/outsourcing/request/make I went to the web and filled out a Do Not Call notice and attached the following validation letter which requires the company to send any correspondence to me via mail which is my right.
They have ignored this letter and are in violation of Federal Law.
See the attached letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Convergence Outsourcing Via email Re : XXXX XXXX Claim To Whom It May Concern : This letter is being sent to you in response to a phone call to me on XX/XX/XXXX. Be advised that this is not a refusal to pay, but a 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 Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you on any account.
Please provide me with the following : 1. What the money you say I owe is for.
2. Explain and show me how you calculated what you say I owe.
3. Provide me with copies of any papers that show I agreed to pay what you say I owe 4. Provide a verification or copy of any judgment if applicable 5. Identify the original creditor 6. Prove the Statute of Limitations has not expired on this account 7. Show me that you are licensed to collect in my state 8. Provide me with your License Numbers.
9. Provide me with the name and address of your Registered Agent.
10. Please provide me with the permissible purpose for pulling my credit report 11. Provide me with copies of any signed papers that show I agree to pay what you say I owe.
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 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.
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 office 's 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.
Best Regards, XXXX XXXX
|
| 10/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
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|
Web |
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RELIEF SOUGHT : I am seeking relief from any and all agents, clients, persons, individuals, entities, representatives, debt collectors, debt collection entities, debt collection servicers, and anyone and anything in a paid or unpaid connection or relation to any and all former, present, and future companies, entities, businesses, clients, and the like associations with XXXX, XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX. ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX ; XXXX ; Convergent ; Convergent Outsourcing, Inc. ; XXXX XXXX XXXX XXXX , XXXX ; and anyone and anything that not specifically mentioned herein but may have been, may be presently, or may be future connected or related to any and all of the aforementioned.
The aforementioned have claimed that I owe debt. Any and all claims and assertions that I owe debt are unsubstantiated and the alleged debt is time-barred. The aforementioned have sent me " Settlement Offer '' letters. I have not been sued, nor have I ever been served. The " Settlement Offer '' letters imply that I have been sued or will be sued if I do n't " settle. '' The aforementioned can not sue me on time-barred debt. The time-barred alleged debt allegedly has been time-barred for close to or over a decade. The aforementioned have failed to disclose that the alleged debt is too old for litigation and has implied a legally enforceable obligation to pay the alleged debt.
To be clear : This complaint is not a dispute. I am not disputing nor acknowledging a debt or an alleged debt. I am not disputing nor acknowledging the amount of the alleged debt or any amount or portion thereof. I am not requesting documentation of the time-barred alleged debt. I am not seeking verification of the time-barred alleged debt. This is not a dispute, Section 809 ( c ) of the FDCPA, 15 U.S.C. Section 1692g ( c ).
The aforementioned have violated federal and state law. I want the aforementioned to stop harassing me and to stop collection. I seek that aforementioned not sell or transfer to another the time-barred alleged debt so that others may not harass me over a time-barred alleged debt. Unless the aforementioned complies with my sought relief, I will pursue legal action.
VIOLATIONS OF LAW : Sections : 1031 ( a ) and 1036 ( a ) of the CFPA, 12 U.S.C. Sections 5531 ( a ) and 5536 ( a ) : Unfair Deceptive and/or Abusive Acts or Practices by falsely representing the character and legal status of the debt. Section 807 of the FDCPA, 15 U.S.C. Section 1692e : Prohibits Debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Section 807 ( 2 ) ( A ) of the FDCPA, 15 U.S.C. Section 1692e ( 2 ) ( A ) specifically prohibits the false representations of the character, amount, or legal status of any debt. Section 392.304 ( a ) ( 8 ) of the Texas Finance Code, Title 5 Chapter 392 Subchapter D : Fraudulent, Deceptive, or Misleading Representations by misrepresenting the character and legal status of the debt and implying the alleged debt is in a judicial or governmental proceeding.
CEASE COMMUNICATION : Pursuant to Section 805 ( c ) of the FDCPA, 15 U.S.C. Section 1692c, I am writing that, upon closure of this CFPB complaint, I wish the aforementioned, debt collectors, and anyone and anything that not specifically mentioned but may have been, may be presently, or may be future connected or related to any and all of the aforementioned to cease any and all further communication with me. This notification from me to the aforementioned establishes, constitutes, and satisfies reasonably the requirements of Section 805 ( c ) of the FDCPA that my requests for cease communication must be in writing. Upon closure of this CFPB complaint, all communication must cease.
|
| 01/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX
XXXX, XXXX XXXX XXXXXXXXXXXX XXXX/XXXX/XXXX XXXX - Fraud Management Cellphone Dear FCC XXXX XXXX In early XXXX I opened an account with XXXX for XXXX phone line at {$80.00} a month when I was living in a XXXXhouse in XXXX, XXXX. Soon after that I moved back home to XXXX where I was born and raised. It was either the XXXX or 3rd bill from when I originally opened the account when I realized that there were XXXX new phones and phone lines bought and opened on my account with a $ XXXX {$700.00} bill which obviously drew up red flags for me. So I call XXXX to let them know that I did n't authorize these charges and confirmed with them that No one else except for myself is authorized to make these decisions for my own cell phone account, which is common procedure. As it turns out someone with the email beginning with XXXX was responsible for this. The email I gave XXXX when I signed up was XXXXXXXXXXXX or maybe it was an older email but it said XXXX in it like my name and is written on the original contract. Immediately I knew that it was this guy, XXXX XXXX, who lived in the XXXX house with me in XXXX who is from XXXX, XXXX and moved back home to XXXX around the same time as I moved home. XXXX XXXX had been in jail for theft and other related issues and was a common XXXX and XXXX. He must have gone through my phone and emails and created a false online sign on which I had n't gotten around to yet being that it was so early in the contract. He also created passwords that obviously I did n't know and because of this they would n't give me much information nor would they allow me to close out the account or freeze the account or anything which in turn kept racking up more charges. I told them from the beginning that I would pay my bill for my XXXX phone but they told me they wanted full payment and that they did not consider this to be fraud because the guy had passwords that I did not have. I also told them I have a police report for the incident but they did not want a copy from me. So with life being busy life moved on. I disputed it through the credit Bureaus several times and every time I won the dispute, XXXX would send the false debt to a new collections agency with a new open date against my credit which in turn has destroyed my credit which at a young age I knew the importance of credit since my mother was a XXXX so I had a credit score of around XXXX at the time. Since then I have n't been able to rent anywhere or get any sort of loan or anything. My lifestyle changed drastically because of this and it has ruined many good opportunities for me since my credit was severely impacted every time they sent it to another collections agency after each time I won a dispute. XXXX fraud management told me they would n't investigate this from the very beginning. Well in XXXX of XXXX I contacted them again trying to resolve the issue and the lady told me that they had already investigated this twice and that they would n't investigate it again. I told her that 's a lie because they told me they would n't investigate it in the first place because they did n't consider this a fraud issue. I got ahold of a supervisor and told her how I have this police report from when it first happened and because of this she agreed to investigate the claim this time. A couple days later or so they call back and tell me that their investigation shows that I have family living at the address in XXXX XXXX and therefore I am responsible for the charges. This was a bold faced lie and an outright desperate attempt. I have never been to XXXX XXXX or anywhere near it and no XXXX in my entire family ever has. I then stated that I wanted copies of the paperwork they have proving these allegations and of course they could provide any such documents. Cont. in next section..
|
| 12/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 10/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX I received an email from Convergent Outsourcing, Inc with a PDF letter dated XXXX XXXX, XXXX, stating I owed a debt with XXXX XXXX in the amount of {$240.00}. I also received a phone call on 2 occasions and I told them I would send a letter.
On XXXX XXXX, I sent an email reply to the " contact us '' email address attached in the email sent by Convergent Outsourcing disputing the charge : Dear Sir or Madame, Per my conversation on XXXX XXXX XXXX, I am informing you of my dispute of the account with XXXX, referenced in your email communication.
I have disputed the charge with XXXX and XXXX has so far failed to authenticate the charge with XXXX 's Dispute 's Department.
The account was canceled, once XXXX provides actual documentation showing that the charge was valid ( which they have still failed to do in 45 days ), if valid, I will happily pay any balance I owe, less late fees assessed during the period XXXX failed to provide the documentation required/requested.
During this time, please do not contact me by phone.
Regards, XXXX XXXX Account Number REDACTED On XXXX XXXX I received a letter dated XXXX XXXX from Convergent Outsourcing with a cover letter stating " This debt is valid, attached is verification of the debt ''. The attachment included came with absolutely no details to show that this charge was prior to my canceling my account with XXXX, but rather, just a generic bill. No detail was included, it would not be acceptable proof of debt in a court of law as all it said was I owed {$240.00} with no detailed description.
I replied on XXXX XXXX, with 2 separate emails to the same email address, the email address I initially sent my notice of dispute, a notice they obviously received because they attempted to send proof of debt.
The first email I sent did not include a copy of the PDF from XXXX showing that XXXX was unable to provide proof that I owed the debt : Dear Sir or Madame, I have received a letter dated on XXXX stating this debt is valid. It contains a bill which is not detailed. The bill just states I owe an amount of money without any detail, nor does it show proof of my cancelation of service etc., this does mean that you 're required to send a validation of debt that includes at the very least, a description of the amount owed, vs a bill showing I owe an undetailed amount of money, I cancelled my service in XXXX of XXXX.
Additionally when filing my credit card dispute with XXXX over the charge not being valid, XXXX returned a letter stating that after their investigation that the charge of {$230.00} was not a valid charge, I will send that attachment in a different email.
Again, if I do owe this debt, I 'm happy to pay what I owe, but XXXX has refused to provide myself or XXXX prove that the debt is valid and your response did not include detailed information regarding the bill and why the bill was charged after cancelation of service.
Regards, XXXX XXXX Account Number REDACTED Further I have checked my credit report with TransUnion and Equifax and it shows Convergent XXXX has opened up Collection Accounts on XXXX XXXX, XXXX, prior to them sending notice of Debt or providing proof of the debt.
I have told Convergent if XXXX would provide proof that these charges were actually prior to my canceling service, I would pay whatever I owed less any late charges that have occurred while waiting for proof of the amount owed, however both XXXX and Convergent Outsourcing , Inc., have refused to provide myself or XXXX any proof that these charges were incurred prior to my canceling service with XXXX.
Convergent Outsourcing has failed to provide proper proof of debt and has placed these accounts on my Credit Report prior to sending notification of Debt or Providing proof of debt.
|
| 08/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This issue involves an account I opened with XXXX communications. I signed up for internet service towards the end of XXXX, 2015. They showed up to connect it on XXXX XXXX. It did not work, so they returned on XXXX XXXX. It still did not work. They have a XXXX full refund policy, and, since it did n't work, I opted to cancel the service. I phoned them and canceled on XXXX XXXX.
I had ordered a modem from them, when signing up for service, and it had arrived before the appointed connection time. The charge for the modem was approximately {$100.00}. Since I could not use the service, I needed to return the modem. The modem came with a return shipping label with XXXX, so I used this to return it, keeping a shipping receipt. It was shipped XXXX XXXX.
On XXXX XXXX I received the bill for the modem. I assumed the modem had not been received and processed yet, so I did nothing. The due date for the bill was XXXX XXXX, so there was plenty of time.
On XXXX XXXX I received a call from a collection agency, wanting me to pay for the modem. I was surprised to hear from a collection agency, as I 'd only just received the bill, and it was n't due for some weeks yet, but I worked with him, anyway. I explained it had been returned and gave them the tracking number. We both confirmed it had been received by XXXX on XXXX XXXX. He said a credit had not been issued yet, but was probably just still being processed. Made sense. He said he 'd send them a note and we concluded the conversation amiably.
On XXXX XXXX, I called XXXX to confirm the credit was processed. I was told it had not been, but they saw it was received, so the person I spoke with said they 'd get the credit issued, and gave me a reference number, that I assumed was associated with the credit.
On XXXX XXXX, I received another call from the collection agency, Convergent Outsourcing, Inc.. This time from a rather hostile person, who demanded personal information from me to confirm my identity, even though it was her calling me. That 's a very unsafe practice, but since I knew what it was about, I gave in. I had to get past her angry demeanor to explain the situation to her, but when she checked and saw it had been received, she relented and said she 'd send a not to XXXX, because the credit had not been issued, yet. After talking to her, and now a little upset, I called XXXX, again, and when I got to billing, I found out the credit had, indeed, not been issued. He also said he could not issue the credit, because the account had been closed. But he did transfer me to " finance '', and I talked to another person there. After explaining the situation to him, he said he 'd issue the credit, and I stayed online with him until he said it had gone through.
Today, XXXX XXXX, I check my mail, and there is a letter from the collection agency trying to collect, again. Please keep in mind, the bill is still not due until XXXX XXXX, the modem was proven to be returned to them on XXXX XXXX, according to XXXX, and I have spoken to 4 people at XXXX, XXXX of which said they had issued a credit, and XXXX people at the collection agency, who both checked that the modem was returned and noted such to their records. Still, I am hounded. I am hoping the letter was sent before my last conversation, but am not counting on it.
I do n't understand why I went straight to collections when I cancelled my account. It was my first bill, so no bad credit experience with them. I canceled because they could n't get their product to work, so not my fault. And the collection attempts started just days after receiving my first bill, and weeks before it was due. I do n't know if this is their normal practice, but felt you should know about it.
Sorry the letter was so long.
|
| 09/01/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX failed to cancel an erroneously opened account. I contacted the company multiple times and each time was told that they had no record of the account. I never received a bill in either paper or electronic format. I later received notice from XXXX that they would be referring my account, which I was told repeatedly didn't exist, to a collections agency. When I called XXXX, they told me that they would not send the bill to collections and would work with me to resolve the issue. I was told that I would hear back in 48 hours with resolution, but did not receive any communication. When I followed up after the 48 hours had elapsed, I was told that the bill had been sent to a collections agency. I was put in contact with the collections agency, Convergent Outsourcing, and immediately filed a dispute. I also worked with XXXX to confirm that the account was opened erroneously and was told by XXXX that they would send a notice to the collections agency retracting the balance owed. When I followed up with Convergent, they had not received this notice, so I filed another dispute. I did not hear from Convergent for over 2 weeks, and when I called to follow up on the dispute using the confirmation number I was given, they were not even able to locate my account. They were able to locate the account but it was under a different number. I was told that they were waiting on XXXX to verify my dispute. A few days later, I received a call from a different collections agency, XXXX XXXX XXXX ( XXXX ), attempting to collect the debt. They told me that they were formerly known as Convergent. I never received any notification from Convergent that they would be changing their name and was provided very little evidence that this was a legitimate company. Unfortunately, I was unable to speak with them at that time and was only able to report to the representative that I had already filed a dispute. The following day, I called the number on the Convergent collections notices I had received and multiple times was told by a machine that no representatives were available and given a different number to call, each of which yielded the same response. When I was finally able to speak to an agent, I was told that the second account number I was given as also incorrect. I was told that the dispute had only been started the day prior, despite me filing the original dispute a month earlier ( dispute filed XXXX, this phone call was on XXXX XXXX ). After I disputed this, they suddenly had my dispute. I was told that XXXX was requesting more information, but were unable to tell me what information it was that XXXX needed or how to get in contact with XXXX to find out. I spoke to a supervisor, all they were able to offer was a reduced settlement amount, but could not tell me whether just paying this to make the issue go away would affect my credit score. On the same day, I then spoke to XXXX and was initially told that there was no record of the account, then I was told that the account existed and that there was nothing in the account about the balance being reduced to {$0.00}, as I had previously been told it had and they asked me to pay the full balance. When I pushed back on this, they suddenly found the record and reported verbally to me that a credit to the account to bring the balance had actually been approved as of XXXX, but would take 30-60 days to process. They were unable to provide any written documentation of this and told me that I would receive a letter when the credit had processed.
During the course of this ordeal, I made dozens of phone calls, spent hours on hold, and was repeatedly hung up on by both XXXX and Convergent/XXXX. On XXXX alone I spent over 2 hours on the phone with both companies.
|
| 12/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
I have been put in collections again ( by a different collections agency ) for a bill that I do n't owe due to I.D.Theft, Here is the history. I filed a complaint in 2015, Case # XXXX about I.D . Theft and a bill with XXXX. I was told I owed the money because my Social Security number was used and put in collections. My Identity Theft Protection Program notified me that negative information was put on my records with the credit agencies. I checked it out and found that a collection company name XXXX XXXX had put on my records with the credit reporting companies that I was in collections. This was the first that I knew about this. I called XXXX and according to them, XXXX on XX/XX/XXXX assigned them an account to collect in my name. XXXX told me that the XXXX Account number was XXXX and they told me that this account was for XXXX XXXX XXXX in XXXX. I told XXXX that I am XXXX years old, never been in XXXX and lived my whole life in Washington State. I further told them that I am a teacher and was teaching my classes when this took place. I shared that I have XXXX students and XXXX teachers along with my principal who can verify that I was teaching when this happened and not in XXXX. They told me that they would close out the account but that I had to contact XXXX. Then next day I found that on my records with the credit agencies that they had changed that I was in collections and that I owed money. I called them again and they said that I would have to contact XXXX. I called XXXX and they told me that I needed to fill out an Identify Theft Victim 's Complaint and Affidavit form ( from the FTC ) and then fax it ( along with any proof ) to them at XXXX. I tried to fax the Identify Theft Victim 's Complaint and Affidavit along with proof to them four times ( 3 different days ) and the fax number did not work. I called and asked XXXX to tell me the correct number and they could only give me the fax number that does not work. As a result I mailed them everything and I still did not hear from them. The proof I sent was a notarized letter from my superintendent that I was teaching in Washington State and notarized records showing that I was at school teaching in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and not in XXXX. The collections report was removed from the credit reporting agencies and I thought everything was done and corrected.
A year and two months later ( XX/XX/XXXX ), my Identity Theft Protection Program ( from XXXX ) notified me that negative informatio was put on my records with the credit agencies. This was the first that I knew about this. I checked it out and found that once again a collection company named Convergent Outsourcing had put on my records with the credit reporting companies that I was in collections for the same account that XXXX had a year and two months earlier. I have already proved that this is not my account and that I do not owe the money and am not responsible for it which is why XXXX had removed it before. XXXX ( a year and two months ago ) informed XXXX of this. Now XXXX has assigned the same bill to Convergent Outsourcing who has put me in collections again. I have sent Convergent Outsourcing a letter saying that I am not responsible for this debt because of I.D . Theft. I have also sent Convergent a letter from my superintendent that I was teaching in Washington State and employee attendance records showing that I was at school teaching in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and not in XXXX along with four months of electric bills.
I have a copy of trhe Sherrifs report and the badge number of he sherriff that I will fax you on request.
I need help to make XXXX and collection agencies stop reporting that I owe money and am in collections
|
| 06/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX CONVERGENT OUTSOURCI XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX : RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 } 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide 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 listing any information with 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 accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
|
| 08/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 } 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide 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 listing any information with 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 accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 10/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
XX/XX/2022 To Those Involved : This letter is to formally request an investigation into XXXX XXXX Account Number XXXX. This XXXX XXXX account was opened on XX/XX/2022. The home internet equipment provided at that time was installed but failed to operate as promised. Internet reception was below 2G, which is unacceptable.
XXXX XXXX was immediately notified of this and customer service representatives were reassuring that additional equipment would remedy the reception problem. Around 10 days later, new XXXX XXXX equipment arrived. After installing the new, add-on equipment, internet reception beyond 2G was never achieved.
Upon request, XXXX XXXX Account XXXX XXXX was closed and customer service representatives stated there would be no charges to the account due to XXXX XXXX equipment and service failures. All equipment was returned to XXXX Store Manager XXXX XXXX on XX/XX/2022.
On XX/XX/2022, XXXX XXXX withdrew a payment of {$50.00} through XXXX XXXX autopay XXXX a charge XXXX XXXX has been disputing since XX/XX/2022. Subsequently, a XXXX XXXX bill for {$0.00} was received and marked final bill without mention of any other charges.
Numerous and lengthy conversations with XXXX customer service representatives yielded various inaccurate, misleading, and confusing information about this situation and how to deal with it.
On XX/XX/XXXX, a letter received from XXXX XXXX threatened to turn the account to collections for a payment of {$50.00}. On XX/XX/XXXX, a collections notice from Convergent Outsourcing , Inc., a debt collection agency, was received and requested a payment of {$50.00}. Note that the XXXX XXXX account originated less than 60 days ago. It was closed more than 45 days ago. This type of mail should not be sent until XXXX XXXX has resolved its charges under dispute.
Paying for services intended but not rendered would seem an admittance of fault that could potentially open doors for further liabilities such as late fees, penalties and, as of now, an attempt to collect through a debt agency.
Unfortunately, XXXX has shown itself to be a thoughtless, uncaring and predatory business. XXXX XXXX will continue to dispute the {$50.00} autopay charge. The charge of {$0.00} needs further explanation and elimination. Such business practices are beyond reasonable comprehension. They are punishing.
Sincerely, XXXX XXXX and XXXX XXXX Primary and secondary XXXX XXXX XXXX XXXX ; Former XXXX XXXX Account Customers XXXX XXXX XXXX Account # XXXX Chronological Timeline XX/XX/XXXX XXXX XXXX Account # XXXX opened XXXX equipment received and equipment failed to work as promised Received additional XXXX XXXX equipment to boost reception, that equipment also failed to work as promised XXXX XXXX Account # XXXX closed ; Customer Service Representative said there would be no charges since internet service never worked XX/XX/XXXX All XXXX XXXX equipment returned XX/XX/XXXX XXXX XXXX collected {$50.00} through XXXX XXXX autopay Requested XXXX XXXX to dispute XXXX charges and disable XXXX autopay XX/XX/XXXX Received letter saying XXXX XXXX working on auto pay dispute Received final bill from XXXX for {$0.00} for XX/XX/XXXX charges XX/XX/XXXX Received XXXX XXXX XXXX dispute process update XX/XX/XXXX Received collections threat notice from XXXX dated XX/XX/XXXX for {$50.00} XX/XX/XXXX Received collections notice from Convergent Outsourcing, Inc. for {$50.00} Note that the XXXX XXXX Account originated less than 60 days before the account was sent to Convergent Outsourcing , Inc., for debt collection of a charge disputed by XXXX XXXX. The account was closed for more than 45 days before the collections notice.
|
| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In the process of moving in XXXX we packaged and returned XXXX equipment via XXXX XXXX. Approximately 1 year later we received a charge from XXXX for the equipment we had returned, but XXXX claimed they did not receive it. At that time we disputed the charge with XXXX via telephone and believed the issue was resolved. We do not recall receiving any bills regarding a delinquent payment from XXXX since that time when our understanding was that XXXX had made a mistake on their end and had corrected the issue. We are still a XXXX customer and have been for many years and our correct address and phone numbers have been on our account. While going through the process to refinance our home loan last week we had our credit report run and it was only then that we discovered I had an outstanding charge with a collection agency, Convergent Outsourcing, in the amount of {$420.00} as of XX/XX/XXXX. My husband and I called Convergent Outsourcing and it was only then that we were informed that XXXX had sent the charge to collections for the equipment we had returned in XXXX that they deny was returned. After speaking with Convergent Outsourcing and because we are in the midst of trying to refinance our home, we agreed to pay the {$420.00} fee instead of haggle with XXXX over equipment that was returned 4 years ago thinking this would be to our benefit. My husband spoke with a Convergent Outsourcing representative named XXXX on Wednesday, XX/XX/XXXX, and he spoke with a different Convergent Outsourcing representative named XXXX on Thursday, XX/XX/XXXX. We were told by XXXX that we would get a receipt showing our account was paid in full. We were told by XXXX that we would get a deletion letter we requested confirming the removal/deletion of the charge from our credit report within 3 - 5 business days. My husband told XXXX we needed the deletion letter sooner as we were trying to get approved for a home loan. XXXX then stated that he could have a manager get the deletion letter to us within 24-48 hours ( this was on Thursday ). We had not received a deletion letter by Monday, XX/XX/XXXX, so we called Convergent Outsourcing to inquire. We spoke with a supervisor, XXXX XXXX and we were given different information. XXXX stated that Convergent could not provide a deletion letter nor would they clear the charge from our credit report and that we had been given incorrect information originally by XXXX. XXXX stated that he would be writing a letter to XXXX 's supervisor regarding the misinformation, but he could not do anything for us. We then called XXXX XXXX ( on XX/XX/XXXX ) and after being cut off twice after long hold times and being transferred to 6 different XXXX representatives, we explained our situation in detail including the fact that we paid a charge for equipment we had returned 4 years ago and that we should not have been billed for, that we had no knowledge of it going to collections, and that a wrongful {$420.00} charge toward a loyal customer who had been with XXXX for years was negatively impacting our ability to refinance our home loan. We have been a XXXX customer for 26 of our 27 years of marriage and have never been delinquent on our payments nor have we lost or damaged any XXXX equipment. The XXXX representative stated that if we couldn't prove we'd returned the equipment in question from XXXX that there was nothing more they could do for us. We are frustrated and feel that because of an error XXXX made followed by false information given to us from Convergent Outsourcing we are unable to qualify for a refinance loan that would greatly improve our financial situation at this difficult time.
|
| 06/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX RE : Accounts # XXXX # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 } 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide 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 listing any information with 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 accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 07/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX, 2018 XXXX XXXX XXXX RE : Accounts # To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 } 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide 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 listing any information with 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 accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 07/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2018 XXXX XXXX RE : Accounts # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide 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 listing any information with 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 accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX XXXX XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 09/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Convergent Outsourcing ( a 'debt collection ' company ) has put items on my credit report that they have absolutely no proof are mine, in fact I know that they are not mine, and this has dropped my credit score over XXXX points in the last few months.
They have been using social engineering tactics to attempt to get my personal information and if you look at consumer affairs website or XXXX website, they are doing this in mass production to many many americans.
XXXX : XXXX : XXXXAnyone who is allowed to put items on someone else 's credit report that they have no proof belongs to that person or originated from that person is fraud, plain and simple.
Convergent Outsourcing is sending out mass market letters and phone calls to unsuspecting individuals with hopes that social engineering will trick people into thinking a past debt from a cell phone company, cable company or health care bill ( for instance ) is due by them. Since they throw enough garbage against the wall, something will stick and someone will either have an recent account with the company being represented by Convergent or may just pay because they are not sure and do n't know better.
There are reams of complaints on the websites mentioned above as evidence to this fraudulent practice.
In my case they have put claims and items on my credit report that I owe various amounts of money to XXXX XXXX, for which I do not have an account with. Calling XXXX directly, they were not able to find an account in my name but here is Convergent Outsourcing affecting my good name and good credit NEGATIVELY without any proof at all that I owe any such debt.
This is happening here in the United States of America.
Convergent Outsourcing attains business by claiming to have the latest technology and best proprietary methods for finding debtors and attaining payment. I ask you then how can so many people be harassed to pay money they simply do not owe, these claims to their potential clients are obviously false, I will serve as exhibit A, so there is indeed a second complaint of falsely representing yourself or your services as a business.
I had to put a fraud alert on my credit report to get these fraudulent items taken off my report, but my score has not come back up. After placing this alert, Convergent Outsourcing sent me a follow up 'social engineering ' letter stating that the 'fraud packet I requested ' [ I REQUESTED NO SUCH PACKET FROM ANYONE, ESPECIALLY THESE FRAUDSTERS ] was enclosed, and to fill it out and send back to them immediately.
This 'fraud packet ' was a XXXX page word document that looked like a XXXX grade gym teacher put together on their lunch hour. The letter requested my full name, SSN, mailing address, home work and cellular phone # s, and other identifying information. If I had fallen victim to this social engineering tactic like I 'm sure they get many people to do, they would be in a much better position to harass me more and of course make it easier for them scare me into paying money I do n't owe or to tie more credit items to my report that I do not owe and take my credit score down even further.
When people see their credit score dropping there is fear, uncertainty and doubt and these feelings cause human beings to act out in ways that do not always make sense, CO is preying on that fact of human nature and they are cashing in on it profusely, or they would not still be in business.
I truly ca n't believe that this is allowable within the laws of this country but I am not a lawyer nor do I have the time or means to research and fight this any further so I turn to you to make this stop.
|
| 02/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I opened* an account with XXXX XXXX in an attempt to switch cellular providers. After receiving the first billing overview, and per the Device Payment Agreement Terms, it is the borrowers right to cancel within fourteen ( 14 ) days. In exercise of this right I decided to cancel* the XXXX XXXX XXXX on XX/XX/XXXX because the billing charges did not match the information advertised military rates when I signed up. I placed a call to XXXX ( XXXX ) to confirm if the charges were accurate ; spending twenty-five minutes on the line ( attachment D ). I returned the three devices, and was refunded the {$800.00} that I paid towards the devices. The {$800.00} refund* posted my credit card on XX/XX/XXXX.
I received a phone call* from a XXXX XXXX ( XXXX ) representative questioning why I have not used the phone lines that I established ; he was advised that the lines were cancelled. In a letter dated XX/XX/XXXX from XXXX XXXX states, Our records show you have not used the line/s you recently activated*. I then received another bill* from XXXX identifying each phone number as being cancelled, yet they were still charging me unused service which I cancelled on XX/XX/XXXX, in the amount of {$420.00}, and an additional {$1000.00} for devices that I returned on XX/XX/XXXX.
In response to a letter* dated XX/XX/XXXX I called XXXX XXXX XXXX XX/XX/XXXX at XXXX ( 22min ) ; XXXX at XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX at XXXX. This letter threatened to send my supposedly closed account to collections. I spoke with several people XXXX ( XXXX ), XXXX, XXXX and others to resolve this error because the account was closed on XX/XX/XXXX. On XX/XX/XXXX I opened* an account with XXXX XXXX in an attempt to switch cellular providers. After receiving the first billing overview, and per the Device Payment Agreement Terms, it is the borrowers right to cancel within fourteen ( 14 ) days. In exercise of this right I decided to cancel* the XXXX XXXX XXXX on XX/XX/XXXX because the billing charges did not match the information advertised military rates when I signed up. I placed a call to XXXX ( XXXX ) to confirm if the charges were accurate ; spending twenty-five minutes on the line ( attachment D ). I returned the three devices, and was refunded the {$800.00} that I paid towards the devices. The {$800.00} refund* posted my credit card on XX/XX/XXXX.
I received a phone call* from a XXXX XXXX ( XXXX ) representative questioning why I have not used the phone lines that I established ; he was advised that the lines were cancelled. In a letter dated XX/XX/XXXX from XXXX XXXX states, Our records show you have not used the line/s you recently activated*. I then received another bill* from XXXX identifying each phone number as being cancelled, yet they were still charging me unused service which I cancelled on XX/XX/XXXX, in the amount of {$420.00}, and an additional {$1000.00} for devices that I returned on XX/XX/XXXX.
In response to a letter* dated XX/XX/XXXX I called XXXX XXXX on XX/XX/XXXX at XXXX ( 22min ) ; XXXX at XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX at XXXX. This letter threatened to send my supposedly closed account to collections. I spoke with several people XXXX ( XXXX ), XXXX, XXXX and others to resolve this error because the account was closed on XX/XX/XXXX. I also spoke with Convergent and XXXX on XX/XX/XXXX and provided a copy of my documentation to the email provided to me by Mr. XXXX XXXX ( XXXX ). Since this communication I have received a letter from Convergent dated XX/XX/XXXX. XXXX notifying me of their attempt to collect a debt in the amount of {$1400.00} on behalf of XXXX XXXX.
|
| 05/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been communicating with XXXX, the XXXX, and the CFPB for months going back and forth about the balance they said I owed. I FINALLY got a reasonable offer from them and decided to take and it just to be DONE with them. The last rep emailed me on XX/XX/2015 to say it would be XXXX days until the Recovery Dept had the adjusted balance and I could set up arrangements on the {$240.00} as I requested. My next communication about this was a call I received was from Convergent Outsourcing. When was it placed there? If it was after XX/XX/2015 why would it be placed there with that balance? Why would it be placed there without any attempt from them to collect the {$240.00} I agreed to pay, when I asked to set arrangements. The convergent collector was rude, and was trying to ask probing questions when I ask where she was calling from instead of just telling me and huffed and puffed when I asked for the balance, her and the letter that I received ( attached ) the same day both told me I owed {$620.00}. Told her to talk to her client and call me when they have the correct balance. I then emailed the rep from XXXX the same day, XX/XX/XXXX, asking her why. Why did n't the recovery department try and contact me? Why did it go to collections with the wrong balance XXXX days after she told me it would take XXXX? I heard nothing. I continue to get calls from the collection agency. Today I called XXXX recovery Dept they tell me they can see the correct balance, and that the collection agency had the wrong balance. They said a balance adjustment was requested XX/XX/XXXX, the day after I emailed the rep. Meaning, the rep did n't update my balance at all on the XX/XX/XXXX when she said she did, and instead just sent the wrong balance to collections. She only sent a balance updated once I contacted her via email, once it was already in collections. Now this is negatively effecting my credit, and is being prolong by XXXX as they are stating that I now have to wait another period for this update. They refuse to let me set arrangements with them, even though I told them the collection agency was rude and I wished to set up arrangements that day. At this point I do n't not even know what to say about XXXX lack of service and the lack of urgency in doing the right things, that they are telling consumers they are going to do. I will NEVER do business with them again and will recommend my friends and family NEVER do either!
emails below : from : XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX : XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; to : XXXXXXXXXXXX : Wed, XXXX XXXX, 2015 at XXXXsubject : XXXX : XXXX : XXXX : XXXX XXXX XXXX XXXX ) mailed-by : XXXX. XXXX, Thank you for your response.
I have contacted our Recovery Department regarding adjusting your balance owed.
In approximately XXXX business days the information will be updated to reflect the corrected balance of {$240.00}.
Any payment arrangements can be made with our Recovery Department at XXXX after that time.
Thank you again for contacting the XXXX XXXX Executive Office.
Sincerely, XXXX : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; to : XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; date : Wed, XXXX XXXX, 2015 at XXXXsubject : RE : RE : Re : XXXX XXXX ( XXXX ) mailed-by : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 7 days ago ) to XXXX has been 14 days and I finally got a call from your collection agency. They are still trying to collect on the incorrect balance, which I will be reporting. You advised it would be updated within XXXX days, it again has been XXXX. Please contact them to update balance
|
| 10/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Convergent Outsourcing , INC .
XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Account # : XXXX 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 office provides 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 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 requests 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 XXXX 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
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Pursuant to 15 usc 1681 ( a ) ( 4 ) - I as a consumer has a right to privacy.
I have been violated and severely damaged as a result of CONVERGENT OUTSOURCING to consumer reporting agencies is an infringement upon my consumer right privacy. Pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ) CONVERGENT OUTSOURCING did not have a permissible purpose nor my written instruction to furnish private information to any consumer reporting agency. You are in violation. My privacy is violated to the highest degree as a consumer I have been damaged and hindered defamed and insulted I've suffered from XXXX, XXXX XXXX XXXX thoughts. My livelihood severely challenged and I've been humiliated and embarrassed. Per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove such said information from the file.
REF # XXXX Collection Account Reported XX/XX/22 I have reason to believe and do believe that the organization CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX, XXXX Wa XXXX does not even have valid delegation of authority to act, pursue or collect services of collection from the United States as in i'm alleging that your organization CONVERGENT OUTSOURCING have no contract to collect obligations and securities of the United States so be it, and notice within the next XXXX days no more than 30 days from receipt of this complaint, CONVERGENT OUTSOURCING shall provide evidence of whom actually funded this alleged debt that is being reported on my consumer report unlawfully, provide evidence of the credit and proceeds of accounting. Notice that in accordance title 18 usc 8 obligations and other securities of ; Show cause whereas, I the consumer has any obligation to any of these forms of obligation of the United States ; in accordance to title 28 usc 3002 ( 1 ) ( B ) and in connection with 31 usc 3718, I do so demand that CONVERGENT OUTSOURCING provide evidence of how and whom has the authority from CONVERGENT OUTSOURCING to collect the alleged debt, provide in writting your proof of claim and established plan, provide in writing your with the treasury to actually collect in connection with the codes I have provided, notice I am alleging that in accordance with 15 usc 1692j, I was also furnished inconclusive information, threatened to pay an obligation to the United States. My consumer rights have been violated, my character has been defamed by CONVERGENT OUTSOURCING. I object to these forms of abusive debt collection practices. I do so object to ALL forms of abusive debt collection. Pursuant to title 15 in accordance with 15 usc subscribed and sworn to section 78 m ( q ) ( 1 ) ( c ) ( iiii ) not in these exact words, payment be the commercial development of oil, minerals and natural resources as natural gas, etc. so be it, define the form, species and substance of payment that your firm has authorization in writing under title 18 usc subscribed and sworn to section 8 obligations and other securities of the United States, and also provide where as I am being the consumer, obligated to pay any of the debts under title 18 usc 8 so be it. per the FCRA 623 ( a ) ( 5 ) if the Bureau can not validate or verify the information with the ORIGINAL CREDITOR said information must be removed from consumer credit file quote. considering the information indicating a fair credit reporting act violation, I demand all information currently showing due or past due to your organization to be permanently deleted from my consumer reports IMMEDIATELY and all reporting communication cease and desist all activity.
|
| 12/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Convergent Outsourcing is attempting to collect a debt on XXXX behalf which is actually no longer XXXX but XXXX. I don't have an outstanding balance of {$73.00} with XXXX which is officially went out of business XX/XX/XXXX of XXXX. XXXX who now owns the XXXX brand never reached out to me concerning an outstanding balance of {$73.00} because my balance was waived when I was transferred over from XXXX to XXXX back in XXXX of XXXX. Convergent Outsourcing has no right to try to collect anything from me after 2 years of being a loyal paying customer to XXXX. Their practices are unethical stating that I first became delinquent in XXXX of this year XXXX no of that is true. Convergent Outsourcing is in violation of my privacy and my character has been comprised with the reporting to my credit. This is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. Convergent Outsourcing has no right to report on my credit report. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Convergent Outsourcing is in violation of contacting me which is harassment and abusive practices. Convergent Outsourcing advised that On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$73.00} on their behalf. Which is not true because XXXX is out of business and XXXX has never contacted me stating that I owe {$73.00}. XXXX also said that on XX/XX/XXXX they sent a validation notice, which is not true a complete lie. Convergent Outsourcing should not be allowed to continue their establishment as they did not comply with the FTC, FCC and CFPB rules. They are in violation and XXXX should also do something about this as their name is being compromised. When I disputed Convergent Outsourcing, Inc. with XXXX they advised that all collection of debt would stop but they are still reporting a debt of {$73.00} to the credit agencies. Convergent Outsourcing, Inc submits to deceptive, abusive practices to consumers who were vulnerable from XXXX. XXXX waived the {$73.00} in response to the Cares Act. XXXX made pledge to customers in response to the Federal Communications Commission which just further justifies that this fee was waived as I stated. The following was pledged by XXXX in the wake of XXXX Waiving late fees incurred because of economic circumstances related to the pandemic. I am not sure how Convergent Outsourcing received my information 2 years later after that {$73.00} sign up fee was waived. XXXX brought XXXX shortly after and I am still a customer to this day not owing anything. XXXX never once contacted me regarding a debt because this is a fraudulent attempt to collect a debt not owed. I am not being treated fairly and targeted even though I experienced major difficulties health and financially during XXXX XXXX and the fee was waived because XXXX complied with the Federal Communications Communication. XXXX joined the Keep Americans Connected pledge, offering uninterrupted wireless service and waived late fees. Please stop harassing me and damaging my credit and take me out of your collections and delete my file, XXXX should not have any access to any of my personal information including my address, telephone number, social security number, etc.
|
| 02/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company received payments for ( XXXX ) of creditors belonging to me and my wife thru XXXX XXXX an debt consolidation program and they are XXXX XXXX was Paid in full XXXX XXXX, XXXX. XXXX-was Paid in full in XXXX XXXX, XXXX. XXXX-was Paid in full in XXXX XXXX, XXXX. XXXX -was Paid in full in XXXX XXXX, XXXX They have been uncooperative about sending to me " paid in full '' or " XXXX Balance '' letters for any of these bills until finally this week I received only two " paid in full '' letters by mail for the Stoneberry and XXXX XXXX in response to my complaint about them not applying payments correctly as dispursed to them for these accounts. They never sent me a paid in full letter for the XXXX XXXX account although XXXX payments of {$15.00} dollars a total of {$220.00} it was paid to them back in XXXX XXXX and when the final payment was sent I requested several times they send a paid in full letter on this account back then. They never cooperated not sent anything in the mail. Now they are claiming this account XXXX XXXX was not paid in full. Account no. XXXX. They received payment in full for all XXXX of these accounts and will not give credit now for the XXXX XXXX although it was paid in full months before the final payment was made on the XXXX XXXX account. And the XXXX XXXX Account issue they acknowledged they received payment but dispersed it improperly holding back on the money they did receive for both of these accounts. The payment was mishandled and not applied on both accounts by them leaving me with both accounts remaining unpaid in full. Although all XXXX accounts have been paid off according to the dispersement schedules and the amount of money received on all XXXX accounts. This company has taken my money and not paid off these XXXX accounts as they should have done. See Check # 's below and payment dates and amounts.
Statement Period From XXXX/XXXX/XXXX To XXXX/XXXX/XXXX For XXXX PAYMENTS DISBURSED TO CONVERGENT OUTSOURCING INC .
Date Check # Account Number Amount 1. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 2. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 3. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 4. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 5. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 6. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 7. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 8. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 9. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 10. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 11. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 12. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 13. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 14. XXXX/XXXX/XXXX XXXX XXXX {$15.00} 15. XXXX/XXXX/XXXX XXXX XXXX {$15.00} Total Paid This Period : {$220.00} also see XXXX XXXX payments : Statement Period From XXXX/XXXX/XXXX To XXXX/XXXX/XXXX XXXX PAYMENTS DISBURSED TO CONVERGENT OUTSOURCING INC .
Date Check # Account Number Amount XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$20.00} XXXX/XXXX/XXXX XXXX XXXX {$110.00} XXXX/XXXX/XXXX XXXX XXXX {$68.00} Total Paid This Period : {$460.00} They only made partial payments when the full amount of money that was due on both these accounts was paid to them, yet they refuse to credit my accounts
|
| 11/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 } 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide 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 listing any information with 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 accurate.
If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards,
|
| 07/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Sir/Madam, I am writing to formally lodge a complaint regarding a fraudulent account that has been reported by your organization, Convergent Outsourcing. The account in question, bearing the account number XXXX, has been listed as a collection account, despite the fact that I have never had any association or involvement with it.
I recently discovered this account 's existence when reviewing my credit report from [ Credit Bureau ]. The account details listed on the report are as follows : Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX Balance : {$3100.00} No. of Months ( terms ) : - - High Credit : {$3100.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : - ( This account is not mine ) I must emphasize that this account does not belong to me, and I am a victim of identity theft. As such, I demand an immediate investigation into this matter to rectify the fraudulent account and remove it from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I intend to exercise them to ensure a fair and accurate representation of my credit history.
Furthermore, I have taken the necessary steps to report this identity theft to the local law enforcement agency. I have filed a police report with [ Name of Police Department ] under the reference number [ Police Report Number ]. Enclosed with this letter, you will find a copy of the police report for your reference and records.
Case law supports the responsibility of creditors and credit reporting agencies to investigate and rectify fraudulent accounts. For your reference, I would like to highlight the following relevant case : [ Provide the details of the case, including the name, citation, and key points that support your position. ] In light of the aforementioned case and the evident discrepancy between the reported account and my personal financial records, I insist that Convergent Outsourcing undertakes the following actions : Conduct a thorough investigation into the fraudulent account [ Account Number : XXXX ] and its associated details.
Provide me with a written response acknowledging the fraudulent nature of the account and your commitment to rectifying the situation promptly.
Cease any and all attempts to collect payments, report negative information, or engage in any further activities related to this fraudulent account.
Take immediate steps to remove the fraudulent account from my credit report with all major credit bureaus, including XXXX, XXXX, and XXXX.
Provide me with written confirmation, within [ reasonable timeframe ], that the fraudulent account has been completely removed from my credit report.
Failure to comply with these demands will leave me with no choice but to escalate this matter further. I am prepared to exercise my rights under the FCRA and explore legal remedies to seek redress for the damage caused by this identity theft.
I expect prompt action and resolution regarding this matter. Please acknowledge receipt of this complaint within [ reasonable timeframe ]. You can reach me at the contact information provided above.
Thank you for your immediate attention to this serious matter. I trust that Convergent Outsourcing will handle this situation with the urgency and professionalism it deserves.
Sincerely,
|
| 12/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In XX/XX/XXXX I received a letter from the collection agency Convergent notifying me that they were collecting on a debt from XXXX of {$430.00}. I never opened an account with XXXX and this was my first time being contacted about this debt. I was never contacted by XXXX and the debt does not exist on my credit report ( XXXX ). They provided no other information about the debt, other than the name of the company and the debt owed. I sent them a validation of debt request on XX/XX/XXXX, stating that I have never had an account with XXXX, and believed this was fraud. I asked them to provide the following : 1. The amount of the alleged debt 2. The full name and mailing address of the original creditor for this alleged debt 3. Agreement with the creditor that authorizes you to collect this alleged debt 4. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment 5. The agreement bearing my signature stating that I have agreed to assume the debt 6. Valid copies of the debt agreement stating the amount of the debt and interest charges 7. Proof that the statute of limitations has not expired 8. Complete payment history on this account along with an accounting of all additional charges being assessed.
9. Documentation showing you are licensed to collect debts in the state of New York, including license numbers and Registered Agent On XX/XX/XXXX I received another letter from them. The only proof they provided was a list including the dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), the amount of the debt ( {$430.00} ) and the service address for the debt : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. They also provided The New York City Language and License numbers for their Washington State, Texas and Arizona offices. They did not provide the following : 1. Agreement with the creditor that authorizes you to collect this alleged debt 2. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment 3. The agreement bearing my signature stating that I have agreed to assume the debt 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Proof that the statute of limitations has not expired 6. Complete payment history on this account along with an accounting of all additional charges being assessed.
I have never lived at XXXX XXXX XXXX and was living at my current address in XXXX with my husband. I recognize the XXXX XXXX address from a previous identity theft experience I had in XXXX. At that time, several accounts were opened in my name using this same address. I filed a fraud report, reported it to the police, and all debts were cleared and removed from my credit report. XXXX XXXX XXXX was also removed from my credit report. To my knowledge, I have not had a problem with identity theft since this incident in XXXX, and the address does not appear on my XXXX Credit report as of XX/XX/XXXX. Nor does the debt from XXXX.
My complaint is that XXXX allowed this fraudulent account to be opened in my name without my knowledge and after it was determined that XXXX XXXX XXXX was not my address, contacted a debt collection agency to pursue the resulting debt without my knowledge and without notifying me of the fraudulent account, and Convergent continued to pursue collection after I declared in writing that I never opened an account with XXXX, and they declined to provide all the information I requested in my initial validation of debt request.
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| 05/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I attached the letter that I sent in XXXX to my bank, XXXX, and Convergent. No response. I sent the following email on XXXX XXXX, 2022 : Convergent Outsourcing, I AM DISPUTING THE XXXX COLLECTION BILL.
I want all attempts to collect a debt from me on XXXX XXXX ' behalf to cease. I need proof of the debt claim that I supposedly owe money, such as a copies of my bills, correspondence, and date the prepaid shipping label was purchased and it's tracking history. I want the bills documenting the charges that already occured for the device ( XXXX XXXX ), the credits for them refunding for charging me the device even after the device was received shipped XX/XX/XXXX. XX/XX/XXXX I was credited {$59.00} for being charged for the device after it was confirmed by XXXX that it was received. I was continually charged even after the credit and was told the issue was resolved. Month after month I called XXXX and was reassured, but still charged. I want ALL of the documentation.
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information. I have received little documentation on this account. Both XXXX and Convergent have refused to provide me with proper documentation or respond to my documents that I was asked to provide. What has been provided to me is inaccurate and incomplete information. I have the right to these documents.
This account has an incorrect balance and incorrect dates provided for the device received.
I want to know when my old phone ( XXXX XXXXXXXX XXXX ) was deactivated and reactivated. I want to know when the XXXX was activated and reactivated.
If proper and accurate documentation is not disputed and provided to me. I will file a complaint against Convergent with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ). My complaints are about inaccurate reporting and failure to verify a debt.
It is a violation of federal law for XXXXXXXX XXXX to report inaccurate or incomplete information on your credit report.
I have a legal right to request debt validation on an alleged debt. By law, you have 30 days to prove that the debt is really true and the total amount is accurate.
It is my policy that all correspondence are in a reasonable, timely manner and in writing via email or mail with your business name included.
I want a verification letter as soon as possible.
The verification letter should include ; Name and contact information for the original creditor. This doesnt mean Convergent, but the first creditor, XXXX , whom I did business with.
Why does XXXX and Covergant believe I owe the debt? Considering the immense amount of admission on XXXX end and proof that they were responsible for the error. Stating they would correct the error.
All recorded owners of supposed debt.
The amount of the debt and the date at which it was first incurred.
Finally, the letter should include the authority under which the collector is attempting to collect.
It is illegal to lie or persuade me ( Which I did receive over the phone with both XXXX and Covergant representatives ).
I have an email from XXXX admitting they received the device and voice recordings of representatives that I spoke with.
End of e-mail I also called Convergent on XX/XX/XXXX at XXXX and the technician threatened my credit. She stated that the account would be written off, affect my credit, and collection attempts would continue until I paid. They stated it may be escalated to another company.
|
| 07/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. On or about XX/XX/XXXX, Convergent Outsourcing ( hereinafter CO ) began furnishing negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit B & C ) 2. As part of COs debt collection activities, CO furnishes information to consumer reporting agencies. As such, CO is a person or entity subject to regulation and liability under Section 623 of the Fair Credit Reporting Act ( FCRA ), which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. 3. Section 623 ( a ) ( 7 ) of the FCRA requires that persons or entities such as CO send to this consumer an initial disclosure informing this consumer that CO may report information about this consumer to one or more consumer reporting agencies. Additionally, Section 623 ( a ) ( 7 ) of the FCRA requires that this disclosure be provided to this consumer in writing, prior to, or no later than thirty days after CO furnishes the negative information about this consumer to a consumer reporting agency. 4. In connection with the furnishing of negative information about this consumer to one or more consumer reporting agencies, CO failed to disclose/notify this consumer in writing that it had furnished negative information to one or more consumer reporting agencies, a practice commonly referred to as debt parking. 5. Notice of the debt and that CO is reporting it is of particular importance to this consumer, the deprivation of which has caused this consumers character, reputation, and/or credit to be unjustly damaged. 6. The acts and practices of CO alleged within this complaint caused this consumer to send CO an initial communication on XX/XX/XXXX via certified mail, return receipt requested. ( See attached Exhibits D & F ) 7. Notwithstanding the five ( 5 ) day Notice requirement imposed upon debt collectors such as CO, in an effort to show good faith, this consumer extended CO with a period of thirty ( 30 ) days to respond to this consumers initial communication. ( See attached Exhibit A ) 8. Upon information and belief, this consumers initial communication was accepted and received by CO on or about XX/XX/XXXX. ( See attached Exhibit F ). 9. Despite this consumers efforts to extend CO with a reasonable amount of time to respond to this consumers initial communication with substantively admissible facts, it appears that CO has refused and/or failed to respond to this consumers initial communication. 10. As of the date of this complaint, CO continues to willfully and maliciously furnish negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit B & C ) In addition to the foregoing, this consumer does not have in her possession a bonafide record of any transactions executed between CO and this consumer under the alleged account # ( # XXXX ) reflected on this consumers report. Therefore, it is reasonable for this consumer to believe that CO has falsely represented to one or more consumer reporting agencies that CO holds an account belonging to this consumer. Furthermore, in the absence of such a record, it is also reasonable for this consumer to believe that CO has used this consumers identifying information without authority to manufacture into existence the alleged account ( # XXXX ).
|
| 03/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I was never notified of the debt, until I took the initiative to understand my credit file I was then made aware of this company that I initially sent a validation of debt letter that I wrote up from the contents of the FDCPA ; and then reported the error to all three credit bureaus which took off the negative mark made from the debt from the original creditor who sold my account to a collection company, in which my account was XXXX when I cancelled my contract on that account in XX/XX/XXXX, but was charged for equipment I already turned in and the original creditor validated. I sent proper documentation in which I acquired from the original creditor that validated my position to which I did not owe any remaining balance, but somehow they still sold the debt to a third party collection agency ; but I digress. This lead to the credit bureaus to delete the inaccurate and misleading information.
But in XX/XX/XXXX-XX/XX/XXXX two different collection companies are attempting to collect the same exact debt that I got deleted for the above noted reasons. However, XXXX XXXX, and XXXX are failing to respond to me to validate this debt I requested more information I dont know maybe the have gotten new information to validate this debt ; XXXX has never responded, XXXX XXXX responded 56 days after I sent out a priority mailed letter with invalid parroted information, in which my initial letter I sent I requested any and all information that they got from the original creditor who sold them this debt. In which it was just an account number an old address and my ssn, which I know anybody can acquire nowadays. I sent another letter to the credit bureaus stating that I need all of the information in order to prove that this debt is validated. I got a response 47 days after my initial correspondence from XXXX, XXXX and XXXX were prompt response with them all to say the information has been validated with no added or supported information to say it was so, I see theyre from the school of thought that whatever I say goes with no need to validate their actions with ill regard as to how it affects consumers.
Im trying to wrap my mind around as to how the FTC, and my States attorney general allows these fraudulent tactics to flourish. How are these companies allowed to file inaccuracies continuously and these frivolous attempts to collect bogus debts with parroted invalidated information from scamming collection companies. And not once did they try to attempt to collect the debt before they filed anything on my credit report, maybe I couldve asked them as to what new information they had and they couldve been made aware as to why the previous collection company couldnt collect the debt ; and as to why the first collection company sold these two collection companies these bogus debts that theyre now attempting to collect as I continuously add that they have no supported information to retort my information that I acquired from the original creditor which is XXXX XXXX cable provider. If I had owed this debt I wouldve paid the original creditor in the first place. Ive contacted the administrators of the original creditor and have gotten subordinates to call to resolve this dispute but the credit bureaus have yet to conform or confirm their stance with proper documentation.
I understand that its proper protocol to file a complaint before litigation, but I have no faith in our justice system but I know facts backed by evidence prevails over time.
|
| 07/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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My contract with XXXX XXXX ended XX/XX/2016. XXXX withdrew {$670.00} on XXXX/XXXX/2016 which was for the final bill. XXXX failed to provide me with a final bill to support the charges. I have made several attempts to obtain a copy of final bill by calling customer care and walked into XXXX store, and each time I called, I was promised that I will receive a bill within 7 to 10 business day. but no luck. I waited for a copy of the bill from XXXX/XXXX/2016 to XXXX/XXXX/2016. Meanwhile, I called my credit card company and filed a dispute against XXXX for failure to provide me with a bill. I received a conditional credit for {$670.00} on XXXX/XXXX/2016. On XXXX/XXXX/2016, as evidenced with a post mark, XXXX XXXX mailed a copy of the final bill. I called my credit card company and requested to remove the dispute and credit back XXXX the funds since I have received the final bill. On XXXX/XXXX/2016, {$670.00} was reversed back to XXXX. the reference # XXXX. Meanwhile, I received a letter from Convergent Outsourcing Inc. XXXX XXXX XXXX XXXX WA XXXX. contact # XXXX on XXXX/XXXX/2016, a collection agency collecting on behalf of XXXX requesting full payment of {$670.00}. On XXXX/XXXX/2016, I called, and explained that I do not owe XXXX, and the full amount was paid in full, and that I have proof. I gave the representative the amount paid, date, and reference number. The representative stated that she will put the account in dispute and forward the information to the creditor ( XXXX ). I waited. on XXXX/XXXX/2016, i received a second letter from Convergent stating that the debt is valid and the account is due in full. I called again on XXXX/XXXX/2016, and spoke to the Representative, and advised i have all the credit card statements and the final bill to prove that I do n't owe the debt. The Representative acted in an unprofessional, and rude manner, and continued to state that i owed the debt. I explained to her that i can mail her the information to prove otherwise, however, she refused. I asked to speak to her supervisor and no luck. I repeated the story, and advised what do i need to do to clear my name. I was told by the supervisor, to contact XXXX and speak to customer care. i advised that I 'm not having any successes with that, every time i call XXXX I 'm speaking to a different country and they state they will investigate and call me back but, they never call back. The supervisor ended the call by requesting that i do her job and contact XXXX to ask for bill and investigate the payment, and that the account will remain in dispute. i called XXXX the same day and spoke to XXXX ( from XXXX ). i repeated the story.. she advised that the last payment received was XX/XX/XXXX but was reversed on XXXX XXXX. I explained that 's not true, and that i have the credit card statement to prove otherwise. On XXXX/XXXX/2016, i walked into a XXXX store and explained to the Rep the situation and showed him the credit card statements. He then contacted XXXX and they were unable to help. XXXX is persisting that I owe the dent, and that the credit was reversed back to me on XXXX/XXXX/2016. However, if you investigate the statements attached, its very clear the credit was never reversed back as a credit after the initial credit of XXXX/XXXX/16. This is why I 'm filing the complaint. I 'm being harassed daily and my credit history is now in jeopardy. I need your assistance to resolving this matter. I have all the documentation needed to support my claim.
|
| 06/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I found out in XX/XX/XXXX that there were two XXXX accounts under my name. One was my prepaid account that I had previously to getting married and the other was an account that was opened inXXXX XXXX under my name but not opened by me. In XX/XX/XXXX my prepaid XXXX account was cancelled and my wife added me on to her XXXX XXXX XXXX phone service as a authorized user and added a new line of service with the number I still currently have with XXXX XXXX XXXX and this is all documented with XXXX XXXX XXXX. After calling to confirm the the information with XXXX XXXX XXXX they sent a text message with the date of service my number was added because email was not a option of her request. I did not open a account with XXXX in XX/XX/XXXX, Im not sure if this account was in error with another person with my name or if it was created fraudulently but importantly it was not created or authorized by me. In XX/XX/XXXX my wife was looking at a copy of my credit reports because of a hospital billing error to Insurance company she was taking care of and noticed There was a collections with Convergent Outsourcing for XXXX, knowing I had them as a phone carrier prior to getting added onto her service in XXXX she made the payment thinking it was form the past, after getting an updated credit report in XX/XX/XXXX she noticed the negative collections account was still reported on my but now with the open date of XX/XX/XXXX. My wife called Convergent Outsourcing to find out information and the representatives were very unprofessional, severe language barriers and not willing to help at all, so she decided to reach out to XXXX and see if she was able to get information. It was at that time we found out this account was not the prepaid account we thought I had closed in XX/XX/XXXX but it was the account that was opened without my consent or authorization in XX/XX/XXXX. My wife and I both have made several attempts to try and have this removed off my credit reports with both XXXX who keeps referring us back to Convergent Outsourcing. Convergent Outsourcing started they cant remove it because it was paid even tho we explained what happened and the new information we found out we were still meet with unprofessional representatives, communication barriers, being accused as lying and just uncooperative, we even called XXXX 3 way with the Convergent Outsourcing rep on the phone in hopes we could prove it wasnt his account was was not about to get far and told the Convergent Outsourcing rep they had to handle the problem. After calling almost a week straight and spending most of the day on the phone with Convergent Outsourcing wife even went as far as saying she just doesnt want to make this difficult or stressful and wasnt even asking for the money back and we will take the loss on the {$200.00} she only wanted it removed off my credit bureau history, they still wouldnt remove it, look into it or file a fraud dispute. I also filed a dispute with all three credit bureaus with no help on that end either. Im hoping reporting the matter with you it will finally be removed and resolved. I would also just like to add in the document Ill be sending with this dispute is the text that was sent for XXXX XXXX XXXX but you will also notice my wifes account was closed on XX/XX/XXXX that was due to porting out our numbers to a new XXXX XXXX XXXX account under my name. Also if the text is not except it as a document I can try and see what I can get in store printed out.
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter.
XXXX ) What is your authorization of law for your collection of information?
XXXX ) What is your authorization of law for your collection of this alleged debt?
XXXX ) Please evidence your authorization to do business or operate in the state.
XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature.
You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed.
Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file.
Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.
For the purposes of 15 USC 1692 et seq and 15 USC 1692e this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, Better Business Bureau, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I have or have reported this situation to XXXX, XXXX and XXXX and have submitted a dispute request and/or fraud report. I informed him but unfortunately they denied me more than 4 times. I do not understand why they have not wanted to help me even by sending documents from the Courts.
Accounts and Collection : 1. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PAST DUE : {$120.00} ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX Original creditor : XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX This is inquiries is never authorize : XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automotive XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal po box XXXX XXXX, OHXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : Automotive XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX
|
| 12/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I pulled my credit report on XX/XX/XXXX & seen these accounts that was either charged off or in collection under my name. I contacted the 7 company an informed them this was a fraud account & asked the companies to provide me with documentation of the original contracts with dates & both parties ( my Signature & the Companies ) signature on the documentation. I also have tried disputing it thru the credit bureau, but the companies have not provided me with these contracts/documentations, but instead continues to report these accounts to credit bureau XXXX The following 7 Companies I am writing these formal complaints on : 1st Company Compliant Company : XXXX XXXX XXXX XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balanced Reported on Credit Report : {$3600.00} Date Reported on Credit Report of Charge Off Date : XX/XX/XXXX Contact Information on Credit Report : XXXX XXXX XXXX, XXXX XXXX Tx XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 2nd Company Complaint Company : Convergent Outsource /XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$4900.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX, WA XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 3rd Company Compliant Company : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$2400.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 4th Company Complaint This Account is reported on my Credit Report Twice Company XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX & XX/XX/XXXX Balance Reported on Credit Report : {$1100.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 5th Company Complaint Company XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$920.00} Contact Information on Credit Report : No Address Given on Report Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX 6th Company Compliant This Account Reported on my Credit Report Twice Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report:XXXX Balance Reported on Credit Report : {$130.00}, {$140.00}, {$180.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX, SC XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX & XXXX ( XXXX ) XXXX XXXX Company Complaint Company : XXXX XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$150.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
Servicemember |
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Demand statutory compensation of {$1000.00} and deletion of accounts on my consumer report file Convergent Outsourcing has violated Upon my review of my consumer reports it has come to my attention that you ( Convergent Outsourcing ) are reporting an account/accounts to my consumer reports that I did not give you express permission or permissible purpose to report. 15 USC 1681 b ( 2 ) As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 16 801 My private information is my business, the XXXX alleged account is my private information, you have reported my private information without my consent. Your actions constitute aggravated identity theft.
18 USC 1021 ( A ) As a consumer, you have an obligation to protect my personal non-public information.
15 USC 6801- Protection of nonpublic personal information It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those consumers You reported my confidential and private information to a non-affiliated third party without my permission or without giving proper disclosures.
Pursuant 15 USC 6802 15 USC 6802- Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic information to a non-affiliated third party I am requesting all my disclosures pursuant 15 USC 802 B that you should conspicuously disclose to me before reporting of my nonpublic information to non-affiliated third parties I am exercising my right to opt out of having my information reported pursuant 15 USC 6802 B Your actions has caused me and my family severe mental anguish, defamation of character You ( Convergent Outsourcing ) have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information.
18 U.S. Code 1028A- Aggravated identity theft Whoever during and in relation to any felony violation, knowingly transfers, possess, or uses without lawful authority Furthermore you have no lawful authority or permissible purpose to put any account on my consumer reports 15 US Code 1681n- Civil liability for willful noncompliance In general, any person who willfully fails to comply with any requirement out of this subchapter is liable to this consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
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| 02/10/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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When reviewing my credit report I discovered that this company " Convergent Outsourcing '' illegally re-inserted a XXXX collection account to my credit file in the amount of {$1000.00}. Per FCRA requirements listed below, I am supposed to be notified within 5 days of re-inserting a previously deleted item and as of XX/XX/2020 I still haven't received the required notification. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Also, I have never done business with Convergent Outsourcing. I don't have a signed contract nor any other type of contract with Convergent Outsourcing I have the right to demand to see a signed contract between myself and this company as well as validation ( not verification ) of this debt. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and Convergent Outsourcing and complete validation of the debt pursuant to FDCPA. Lastly, this account was illegally re-aged once the alleged debt was placed back on my credit report. Per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
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| 03/08/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a bill from XXXX this month for balances due, this is the third bill I received since I cancelled service. Our request to end our nearly 20 year relationship was made in the last week of XXXX ( don't have exact date ) after trying for 6 months to have them fix coverage in our area. Their maps claim 5G coverage, there is NONE. I have an open FCC complaint about that false advertising, but in XXXX moved on to another provider.
The first bill I paid ( it was for our normal monthly amount ), I figured it was paid in arrears ( for entire relationship I have had paid online when I'd gotten the texts each month for balance due ... never making a late payment ). Then a few weeks later, I got another bill, same amount as before but it had a 'sorry to see you go ', so I figured okay maybe I partly into another cycle and they are making me pay a full month, but .... shame on me for not knowing the contract fine print... and I paid that bill. SO, two months of payments and we're two months past end of service.
Late XXXX, I get another bill, now another monthly due ( went up {$.00} ) and a balance for a " XXXX Non Return Fee ''. No prior bill, correspondance, nor conversation with XXXX representatives had covered the necessity to return this device. I called in this week to investigate and was told because I didn't return it in time I had to pay for this device ... ... .... Let me rewind. In late XXXX, I lived in XXXX and had just moved ( about two miles down the road from my other XXXX home ), when we moved in, we went from awesome coverage to none. I spend about a month on calls with XXXX have engineers look at issues. In the end they sent me this device ( FREE of Charge because I was a valued customer ) with no disclosures, or contracts signed to help with my signal issue. Phones worked great from then on in that XXXX house. Return to XXXX, we relocate to XXXX and started having cell connection issues ( documented in first paragraph ). This last XXXX with spotty or no coverage for over six months, we left XXXX for another provider that had reliable service.
On my call today ( XX/XX/XXXX ) ( 1 ) I was told that because my account was closed over 60 days ago that I could not return the device and had to pay the fee, they ( 2 ) also would not discuss the recent bill ( this would be the 3rd monthly payment since I ended my relationship ) because I couldn't provide a PIN verification. I have never used the PIN, it was probably setup 15+ years ago at account creation and they claim I can not be verified by any other manner to discuss my account in detail .... Of course they can keep repeating to me that I have to pay the full amount and there is NOTHING I can do. I asked to speak to a supervisor, was put on hold multiple times. Finally told the supervisor was experiencing some technical issues but would call me back in 5-20 minutes. That was over 3 hours ago now and I need help.
Item 1 ( the device ) : I want to give it back, I do not want to pay for this device I was sent over 3 years ago that is of no use to me.
Item 2 ( the monthly bills ) : I want to understand how I can get 3 different monthly bills since account termination, 2 of those have been paid.
I know hve gotten mail from Convergent Outsourcing and XXXX will not talk with me regarding this equipment I DID NOT ORDER and that no contract was signed and that I WANT TO RETURN.
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| 04/21/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a printed letter dated XX/XX/19, from Convergent Outsourcing , Inc, saying that they are trying to collect debt from me, placed by XXXX. The amount was {$1600.00} First time I called them on XX/XX/XXXX ( I was out of the country so couldn't call earlier ), to inform them that this debt isn't mine, and asked them to investigate, since this looked like fraud. The associate introduced himself as XXXX XXXX and reassured me that I did everything right and they are going to investigate. He asked me to verify my information, and the email ( basically, XXXX account ) wasn't mine! He also asked me if I suspect my relatives or I shared any my information anywhere. I said absolutely not about relatives and - that I am very careful about my information.
Needless to say, my account on XXXX is positive and I never received any emails or letters from them saying I owe them money.
I still emailed XXXX asking if anything is owed in my name, and explained the situation, they said that they couldn't find anything and asked me if I can provide them that email address, supposedly registered in my name, that owed them money.
Then, I received another letter from Convergent, dated XX/XX/19, saying that they have received my dispute and they " have verified '' the information with the original creditor and the " charges are valid '', and, if I want to send any additional information, I need to contact them.
I called them again ( on XX/XX/XXXX ), and their system recognized my phone! I asked the representative to provide that email and she said she couldn't! I was surprised, why not, if they demand money FROM ME thinking it's my debt!
She said charges were made on XX/XX/XXXX. I said, again, that it's not mine and they need to investigate. What was the bank account this XXXX linked to? If there were goods ordered, what's the address it was ordered to? I think it's very easy and there are so many ways to find them. I called XXXX this time, on XX/XX/XXXX, asking to confirm one more time that no money owed in my name. The representative confirmed that my account is positive and there wasn't any letter. She also said that, IF there was any debt, they would contact me first.
I called Convergent right after, on XX/XX/XXXX, with all this information, saying that I received the letter and the debt isn't mine. The representative said it will be transferred to a fraud state. I asked, why wasn't it transferred before, right after I called the first time? She said she doesn't know. She said they will be sending me a " fraud package '' which I will have to fill out and mail them back ( what??? ) I said that I called XXXX and they said I don't owe them any money. She asked " What is your XXXX account that you said, is XXXX balance? '' I said - oh no, I am not giving you any additional personal information. You only had my name and my mailing address, which can be easily obtained from any stolen envelope ( or internet ), then I called you, now you have my phone number, and now you are asking my XXXX account? NO. I also said for the record, that unless they have proof it's me ( which they won't because it isn't ), they need to stop harassing me with their letters and " packages ''. I told them it's not mine, and they have to stop contacting me and start investigating. By investigating, I don't mean emailing to XXXX asking if " the charges are valid ''.
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| 03/09/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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When reviewing my credit report I discovered that this company " XXXX XXXX '' illegally re-inserted a XXXX collection account to my credit file in the amount of {$2500.00}. Per FCRA requirements listed below, I am supposed to be notified within 5 days of re-inserting a previously deleted item and as of XX/XX/2018 I still haven't received the required notification.
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Also, I have never done business with XXXX XXXX I don't have a signed contract nor any other type of contract with XXXX XXXX I have the right to demand to see a signed contract between myself and this company as well as validation ( not verification ) of this debt. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and XXXX XXXX and complete validation of the debt pursuant to FDCPA.
Lastly, this account was illegally re-aged once the alleged debt was placed back on my credit report.
Per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
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| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account Name CONVERGENT OUTSOURCING Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX Balance {$410.00} Balance Updated XX/XX/XXXX Recent Payment XXXX XXXX Monthly Payment {$0.00} Original Balance {$410.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave.
responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which.
is backed by 15 USC 6801 which states " It is the policy of the Congress that each.
financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those.
customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following.
circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Older American |
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I FILED A COMPLAINT WITH THE CREDIT BUREAUS AND CONVERGENT WITH NO RESULTS. CONERVENT SENT ME A RESPOSE SAID IT WAS MY ACCOUNT. I THEN MADE COMPLAINT TO YOU CFPB ON XX/XX/XXXX AND PROVIDED DOCUMENTATION. CONVERGENT RESPONDED ON YOUR WEBSITE ACKNOWGING THEY WERE INCORRECT, THAT IS NOT MY ACCOUNT AND PROMISED TO HAVE THE BUREAUS REMOVE THE ACCOUNT FROM MY FILE. WELL XXXX SENT ME A LETTER ON XX/XX/XXXX SAYING IT IS MY FILE BUT IT IS NOT. IT HAS BEEN MORE THAN 30 DAYS, CONVERGENT PROMISED TO REMOVE THE ACCOUNT BECAUSE ITS NOT MINE, BUT XXXX IS REFUSING TO DO SO. HERE IS CONVERGENTS MESSAGE TO YOU..
Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : CONVERGENT OUTSOURCING INC XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF XXXX DELIQUENCY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you XXXX visit XXXX With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com. CONVERGENT REPLIED ON THE WEB PORTAL ALSO. THEY SAID : Company responded STATUSCompany responded on XXXX TYPEClosed with explanation Company 's Response XX/XX/XXXX This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation, we are replying with the following information : Convergent Outsourcing does not believe that we have violated any laws. On XX/XX/XXXX, XXXX placed an account for you in our office, to collect a balance on their behalf. On XX/XX/XXXX, we sent you a validation notice. This notice included your right to dispute the balance owed. On XX/XX/XXXX, we received your credit bureau dispute notification. The account was placed in a disputed status and collection activity was suspended. On XX/XX/XXXX, we mailed you the documents obtained from XXXX XXXX XXXX the balance that they state is owed again. Please note that the validation information we have provided you is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to validation of debt. In response to your complaint, we have closed this account in our office and returned it to XXXX. Convergent Outsourcing will request that our information for this account be removed from the credit bureaus. If you have any further inquiries regarding this matter, please contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our XXXX Department by Email at # XXXX should you require further assistance. Kind regards, Consumer Affairs XXXX at Convergent Outsourcing , Inc .
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| 09/17/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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CONVERGENT OUTSOURCING , INC .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a regulation under the FDIC Act known as Regulation 5000, which acknowledges an unsecured debt as a different classification from standard to sub-standard. On day 120 of default, all interest, late fees and overdraft fees cease, and the basis of debt id re-evaluated. On each of these collections the standard has been violated as both entities are using a 180-day default method, which means both the accounting and its subsequent collection process is a violation of my rights under the Fair Debt Collection Practices Act. In essence, both collection processes are VOID, and must be recalled by their respective original creditor. I am a XXXX American citizen who believes that my rights are being violated and my civil rights are in total violation under the Civil Rights Act.
I make the following demands : XXXX ) A true copy original of my credit application, and XXXX ) A complete accounting under FDIC Regulation XXXX guidelines.
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
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| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to report on various violations of the Fair Credit Reporting Act ( FCRA ) from the following organizations, Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( further known as DEBT COLLECTORS ) and XXXX, XXXX and XXXX ( further known as CREDIT REPORTING AGENCIES ). First, all companies, including DEBT COLLECTORS, have agreed to follow the regulations to protect consumers ' information. The information that is shown on the consumer report has adversely affected my life as it bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics and mode of living. The violations are as followed : Opt Out Laws - Exhibit A shows an example of a letter sent to the debt collectors expressing my choice to opt out. 15 USC 1681 section 604 ( a ) section 2 states that In general subject to subsection, any consumer agency may furnish a consumer credit report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. The CREDIT REPORTING AGENCIES and DEBT COLLECTORS do not have, nor did I ever give, my permission to and written or any other consent to furnish this information. Any and all consent to the CREDIT REPORTING AGENCIES and DEBT COLLECTORS for these collection items have been revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non disclosure option. The DEBT COLLECTORS never informed me of my right to exercise my nondisclosure option. To add, this account is an adverse item that is in violation of of USC 1681 ( c ) ( 5 ) which states : Except as authorized under subsection ( b ), no CONSUMER REPORTING AGENCY may make any consumer report containing any of the following items of information : Any ADVERSE item of information other than records of convictions of crimes which antedates the report by more than seven years. Further, the credit reports shows information that falsely represents the DEBT COLLECTORS as ATTORNEYS. These agencies are not attorneys and should not appear as falsely representing themselves in accordance with Title 15 USC 1692. It is stated that every consumer reporting agency shall maintain reasonable procedures when there is cause for information to be inaccurate. 15 USC 1681 ( a ) states A person shall not furnish any information relating to a consumer to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate. All of this is also in violation of the Privacy Act of 1974. The CREDIT REPORTING AGENCIES are not maintaining reasonable procedures to avoid violations of for fair credit reporting. Per 12 CFR 1026.7, A consumer may exercise the right to opt out at any time : Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, I am opting out of your reporting services per the attached written notices. XXXX, XXXX and XXXX, I am opting out of the reporting of Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and I am holding you accountable to ensure these measures are taken.
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| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Convergent, Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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| 08/25/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This is an additional complaint from closed CFPB complaint # XXXX.
First, I would like to start this complaint in writing by saying " I have never paid any money to XXXX EVER. I never even knew XXXX existed until they showed up on my credit report without my prior knowledge of a debt owed to Covergent untilXX/XX/XXXX of XX/XX/XXXX for the first time by way of credit reporting on my credit files.
The date the debt was assigned to their office ( which they claim wasXX/XX/XXXXXX/XX/XXXX of XX/XX/XXXX ) is only relevant to me because they violated my rights by not alerting me at ALL. I only disputed the debt with them after I saw it show up on my report, after I paid my last bill with XXXX as stated on complaint # XXXX.
As I said before I never knew they existed or that XXXX was reporting me to XXXX despite that fact that when I canceled my mobile service I was still paying my bill with XXXX. Be that as it may, why did XXXX not contact me prior to this being reported to the credit agencies?
With that said below is my official complaint.
In XX/XX/XXXX, XXXX reported to my credit profiles ( XXXX, XXXX, and XXXX ) as owing Convergent {$930.00}. UN-announced to me, without prior knowledge that XXXX claimed I owed a debt to them as they claim the debt was transferred/assigned to them in XXXX of XXXX. Prior to, or after XXXX of XXXX, I did not owe XXXX {$930.00} nor was I ever notified by XXXX that their office was responsible for collecting {$930.00}. XXXX has no proof they notified me that their office was responsible for collecting XXXX 's bills that they claim I owed.
Again, I never received any notice of collection at any point ever in writing or otherwise until after the debt was reported as paid on my credit files. If I were to have received a written notice from XXXX, I would have disputed the validity of the debt owed because I have been making my payments to XXXX as agreed.
I did n't even know Convergent was the new owner of debt until AFTER it was reported and the debt was already paid. This is a clear violation of my rights under the Fair Debt Collection Practices ACT and the Fair Credit Reporting Act. Convergent never called me at any time in XXXX or XXXX prior to this debt showing up on my credit report or mailed me any debt collection letters or bills.
As I did every month and agreed with XXXX, I paid XXXX as XXXX confirmed on their response to CFPB complaint XXXX until my bills with XXXX were fully paid. It may appear that this collection agency " parked '' the debt until after the fact.
Why did Convergent report me to the credit bureaus on a debt Convergent never billed me for? or sent me a letter about. To at the very least afford me my right to dispute the validity or accuracy of the debt? Why did XXXX wait until I finally paid off XXXX for XXXX to then report me to the credit bureau? I hereby request the debt reporting on my credit files be removed immediately as required by federal law.
I would like to request a full investigation by a Consumer Financial Protection Bureau investigator and including the Federal Trade Commission for potential violations by XXXX and XXXX 's unfair business practices for clear violations of my rights.
|
| 06/25/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
Since the inception of XXXX, I have held the same phone number, ( XXXX ) XXXX. However, with the advent of the acquisition of XXXX by XXXX the demands on me, by XXXX have been based on lies, threats, and fraud.
Starting with the demand to purchase new XXXX phones to comply with their switch to XXXX, it was found that these would not work and were useless, by XXXX 's admission, after sending me multiple sets of phones. Then they demanded I purchase different phones that also failed to work on their networks. Their third demand was exceeding hundreds of dollars more. As the conversion deadline approached, they upped the threats of excessive costs and service interruption although I gave them full authority to proceed based on best practices to solve the problem to their satisfaction and mine. I simply requested that my number stay active, without interruption, out of medical necessity.
However, with service failing and the threat of the loss of my number and the abandonment of any effort to perform further by XXXX, I had to scramble for a solution before I had a medical emergency to deal with, since I provide urgent medical care and remedial therapy, in the home. Patient safety and comfort with the ability to communicate is a first need priority, which they were informed of in each conversation of which there was a disturbingly high amount. Acknowledgement of these issues and obligations were concerningly absent in XXXX XXXX XXXX XXXX, ostensibly, at the XXXX level.
With the complete inability of XXXX to provide the service I have had since XXXX with their own selected and supplied equipment with my stated permission to proceed as necessary to complete and maintain my service, they devolved into blaming every possible inconceivable and unreasonable reason including customer fault.
From XXXX to XXXX and current cases awaiting resolution XXXX has continued to demonstrate disregard for consumer law and the willingness to commit fraud and conspire to illegally bill and collect under false pretenses. This I have found readily available in the court record.
Having been prosecuted from XXXX XXXX to XXXX by consumer protection agencies and Attorneys General and XXXX XXXX XXXX, XXXX continues to demonstrate their contempt for authority and the law, as well as their customer responsibility.
In shear panic and frustration, I contacted XXXX for advice. They put me in touch with XXXX XXXX. They handled months of problems in XXXX minutes. They over-nighted XXXX phones to me. I can contact them XXXX and speak to a XXXX rep within the continental United States, who communicate clearly and patiently with limitless expertise.
XXXX wants to close out my account for over {$400.00} based on fabrication and untruths. I have attempted to call them and have them explain to me why they are defrauding me, but communication with them is all but impossible due to wait times and language differences including being bounced around the world with no continuity of file record, although they make it quite clear that all conversations are recorded, but no one, even XXXX XXXX supervision can reference any prior conversations, solutions, or any progress of clarification.
|
| 07/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I discovered not too long ago online that two debt collectors have been sending claims that I have a debt, which I do not owe, for XXXX and XXXX respectively. I have made attempts to rectify this but to no avail. In regards to XXXX, around XXXX I had a phone bill for a phone and tablet under contract that I was very dissatisfied with due to my bill being far above what I was initially told it would be and was assured repeatedly that it would go down to the amount I was promised for the service provided. It never happened, I became overly stressed due to it. I asked how much a full and final pay would be and as soon as I was able I demanded for my contracts, services, account, all of it to be cancelled/deleted as with the final bill amount I was given and then paid I had no intention or desire to return to a service that gave me a traumatic experience by constantly lying to me and increasing my bill superfluously. With the service paid off I believed myself free of them until a short time later I received a debt collector 's letter on behalf of XXXX. I called them about it to remind them of my payment, I was assured the issue would be dealt with so I kept it out of mind when I heard no more about it. Then in XXXX XXXX, despite the fact that I have no dealings with them and my card had changed since my last transaction with them, had somehow managed to charge my account for over {$1000.00}. I made sure to despute it but I was never given an explanation for the attempted theft. In XXXX I started learning more about being aware of my " credit '' and discovered that XXXX had a claim that I owed them almost {$200.00}. Which I don't understand how this was possible or even allowed to this day. I disputed it when I learned I could do that. But, unfortunately it appears to have done nothing, just as talking to XXXX had done nothing those years ago. I even received a letter from the collector claiming the debt is valid when it is in fact NOT and never was to begin with. The second debt collector is a far more recent happenstance but I fear they are attempting to pull a " XXXX '' on me with the lack of results I've had with them. I had to cancel my service with XXXX due to financial problems that resulted in a need to move. In XX/XX/XXXX I received a collection notice in the mail and went to their nearest building in hopes of getting my fees settled directly. I was instructed to call a XXXX company number by an employee and did so the very next day. I did a full and final pay and was assured, just like with XXXX, that I would no longer have to worry about the collectors and to just ignore them as they take care of it on their end. The collectors for XXXX are still claiming I owe money, I have attempted to dispute them twice now with no results. And unlike with XXXX I actually know where my confirmation number of final payment is for them right now. My attempts to call XXXX has been futile as everytime the automated voice refuses to actually transfer me to an actual person and will just hang up on me, usually right after telling me to login online to speak to someone. This is the next action I've learned I could take since the others did not produce results.
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've reached out to Convergent Outsourcing Inc. about Acct # XXXX and how they were violating my rights i asked Convergent Outsourcing Inc. to provide me with an SSA-3288 to show that i gave them consent to report anything to my credit even if they process is online Convergent Outsourcing Inc. have to have consent from every customer that's SS # 's involved. I let them know that I have a right to privacy and that have to respect my privacy. 15 US Code 1681 ( a ) ( 2 ) ( Exclusions ), things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making the report. Consumer- is an individual ( Me ). Person-Any individual partnership, corporation, trust estate , cooperative association , government, or governmental subdivision or agency, or other entity. Experiences & Transaction- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer or of a credit card or similar device. I tried to explain to this company that they were violating my rights I guess a lot of companies think there above the law and don't have to follow it. It becomes extremely difficult to exercise your rights when companies think they can do whatever they want and get away with it and we the consumer have to deal with it and that's not right because as a consumer my voice should be heard, and these types of companies need to be held accountable. 15 US Code 1681b Permissible purpose of consumer reports. ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. 15 US Code 1681a ( 2 ) speaks on a consumer right to privacy. I guess these companies don't follow law. This account that's being reported illegally has caused my family hardship and homelessness. This situation lines up with 15 US Code 1681 ( n ) Civil liability of willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I've tried to fix the problem with the company and i get no where
|
| 12/14/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have an outstanding collection with XXXX XXXX. The end of the seven year period for this collection is very close. XXXX changed collection agencies to Convergent. Either XXXX gave Convergent incorrect information or Convergent reported information to the credit bureau which was incorrect. My credit report shows that the Date the account was opened was XX/XX/XXXX. I believe is was in XXXX. It also shows that the last payment date was in XX/XX/XXXX. Also incorrect.
Please note that my wife had a very difficult XXXX and was not able to work full time which reduced our income. Over a year after the baby was born, she suffered a major XXXX XXXX for which the survival rate is roughly 10 %. I had left for grad school. she was not able to help support our family as was planned and only with the help of student loans and family did we make it through. At one time we were so desperate we considered filing bankruptcy, but declined to go forward. We did call XXXX after I began working again, and they were the most unpleasant and unyielding. We told them we had limited funds and would use them where it provided the most benefit. There are no other open collections.
We are now purchasing a home on a construction loan. The impact of making the collection look like a recent event has been really damaging to my credit score, and a credit score is the primary basis for determining a rate. My banker has advised me it is critical to have this corrected. In speaking with a credit bureau, they did tell me even a correction will hurt my score, so I have asked that it be removed.
Both XXXX and Convergent have been emailed asking for a removal, and neither has even responded to the problem. XXXX inquired about the account number, however, I no longer have that information and it is not on the credit report. In the email they received they were informed that I had contacted both your agency and a credit reporting agency to make certain that my position was correct and that I had not filed a report, giving them the opportunity remove this item.
It would appear that this is a manipulation of credit reporting to try and exact payment. Fortunately I am able to reach out to the bureaus and to the CFPB ( whom I contacted earlier by phone to confirm that this is an unacceptable practice ). However, if this is a standard practice of either company or both to try to make a collection, a great many people will not have any knowledge of the law or whom to contact and would be hurt by these actions. I believe that both entities are also under the aegis of the Federal Trace Commission. Should I file a complaint with that agency as well?
I am supposed to move to permanent financing within the next 35 days. Since I have had no response, I am at a loss as how I should proceed. Your help is really needed.
Finally, I do want to explain that my schedule at the XXXX as a XXXX has been very busy lately as well as working on the house to save money, so my mother-in-law, XXXX XXXX, called both Convergent and XXXX to get a correct email address. She sent the original emails along with a letter signed by me to allow either entity to speak with her or email her. Copies are attached
|
| 07/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Below is my original letter to XXXX XXXX. I followed up with another letter on XXXX. To date I have not received any written communication from XXXX or the debt collection company.
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX XXXX # XXXX Total Balance {$110.00} Dear XXXX XXXX, Please find attached a copy of the most recent communication that I received as a result of a dispute regarding the cancellation of my service with Reliant. The communication is from a company known as Convergent Outsourcing , Inc. owned by XXXX XXXX XXXX XXXX Convergent has been retained to collect this disputed debt.
I appreciate receiving the Convergent communication, as it alerted me to additional information about XXXX and XXXX relative to my dispute. Below are my notes for your review.
On XX/XX/2022 I sent XXXX a personal check in the amount of {$250.00} as a result of a billing notice from XXXX. In the billing communication ( copy attached ) I now notice that a {$150.00} Early Cancellation Fee was included in what I believed to be my final XXXX electric bill. I wrote Final Payment in the note section on my check and XXXX cashed my check. I mistakenly sent XXXX {$250.00} even though my final electric bill was {$180.00}. I overpaid my electric bill by {$60.00}. I would like that amount returned to me with earned interest.
Since I did not enter into a signed term-agreement with Reliant prior to Reliant initiating electric service to my residence I could not have been aware of an Early Cancellation Fee as a condition of service. I did not ever agree to a term of service with XXXX or an Early Cancellation Fee. My official understanding was that I was in a service at will status and could cancel XXXX service at any time without incurring any monetary penalties.
Since XXXX solicits new customers inside of XXXX I believe it is right for me to alert XXXX management of XXXX deceptive trade practices. I have copied XXXX XXXX XXXX, the President & CEO of XXXX. I also sent him a cover letter to explain the situation with XXXX XXXX XXXX, as XXXX is being used as an accomplice in customer acquisition for XXXX XXXX XXXX.
There are countless customer complaints relative to deceptive trade practices by both XXXX and XXXX. Please refer to the Texas Deceptive Trade Practices-Consumer Protection Act.
XXXX deceptive trade practices and its handling of this matter resulted in a bad debt being attached to my otherwise perfect credit report. I view this as targeting and harassment.
The only way I will pay the outstanding amount that XXXX says I owe is for XXXX or Convergent to send me a term-agreement that includes an Early Cancellation Fee and my signature.
If I did enter into a term-agreement that included an Early Cancellation Fee then I will write XXXX XXXX to explain the misunderstanding and withdraw my complaint.
If I do not receive my over-payment, this debt is not forgiven and my credit score is not restored I will seek legal guidance as to available options.
Thank you & best wishes, cc : XXXX XXXX, President & CEO of XXXX XXXX XXXX, CEO of XXXX XXXX. XXXX.
|
| 04/21/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
To summarize according to Federal Procedures this collector : Did not provide notice of debt prior to placing alleged collection on Spellers credit record. The result is Negligence as it relates to Collection practices. Federal Debt Collection Practices Act - ( FDCPA ) Did re- add prior deleted collection . Did not allow XXXX to request verification of debt in line with federal guidelines of the Federal Debt Collection Practices Act - ( FDCPA ) Did cause emotional distress due to illegal method of addition to credit report and planned timing of delivery of adverse activity on credit report. Collector trolled and pulled reports without cause in XXXX and XXXX . Trolling for activity on credit is a violation of federal regulations. They appear on the report as I requested them to pull a report. ( Exhibit A attached ) XXXX has automatic alerts via XXXX and monitors his credit activity daily. A detailed explanation is demanded for discovery purposes of litigation fully explaining legitimate reasons for pulling credit multiple times without cause and/or action on collector 's part. ( collector did not add any items when they pulled reports ) Th is trolling credit reports is not a legitimate business practices and must be dealt with by Consumer Protection Bureau. Collector only placed this on credit XXXX XXXX after seeing no items negative items remaining in his report. ( All negative items had been cleared ) The placement of this illegally placed collection and troll search actively was then strategically timed to create anxiety and fear in the consumer to force them to quickly resolve this item. This practice of trolling and placement must be investigated and they should be prosecuted to the full extent of the law.
Did propagate defamation and libel if any of above is indeed proved to be accurate. These items alone may not be significant but combined are highly questionable and heighten the emotional distress caused to XXXX . He has never signed any agreement, contract or letter with CONVERGENT ( collector ) to allow them to pull credit yet they presented themselves to the credit bureau in a manner that was false that suggested to the credit bureau XXXX allowed them to view credit. ( Exhibit A ) Additionally, XXXX was not presented any documents to support their claim of the alleged original debtor prior to their illegal addition of a collection on his report. In conclusion, the Collector did not comply XXXX percent with Federal Guidelines of Debt Collection. The collector did not send proper notice to Speller. The collector did not allow for d ue proces s ( v erification of debt ) this negative item must be deleted as XXXX had been damaged. Convergent will be deemed unable to ever attach any documents to XXXX without first proceeding in the appropriate manner and is here by instructed to cease and desist any reporting of this alleged debt. This matter will be advanced in the legal venue against the original debtor, Convergent and all entities that continue to propagate this item as legitimate without adherence to federal guidelines if the item is not removed forthwith.
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again and the account continues to reflect on my credit report as of XX/XX/XXXX. The creditor corresponded to my dispute with a bill from the original creditor and did not validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out XXXXThere have been no proper verification or validation on this account account as it is still reflecting on my report.
The unverified item listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed a contract for this account.
You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing dated XX/XX/XXXX, received in the mail by me XX/XX/XXXX, that you " verified '' that this item is being " reported correctly. '' Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section617 ) if you fail to comply. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.
According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit and has. Caused me emotional distress. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.
Convergent Outsourcing INC XXXX XXXX XXXX XXXXXXXX Please strike and remove this account from 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 03/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2023 Dear CONVERGENT OUTSOURCING INC : I am responding to your contact about a debt you are trying to collect. You contacted me by and identified the debt as follows : Account name CONVERGENT OUTSOURCING INC .
Account number XXXX I am politely requesting that you please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount.
In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
DOCUMENTS INCLUDED POLICE REPORT IDENTITY THEFT FTC REPORT
|
| 05/26/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2018 XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX # XXXX Dear XXXX XXXX, XXXX.
This notification is a formal demand that your shady collection agency remove the collection account from all three major credit reporting agencies immediately. Your collection agency was out to intentionally damage my good credit standing only to seek revenge against me for cancelling my service with shady XXXX XXXX. Your shady collection operation has been threatening me to coerce me into making small {$20.00} payments to the bogus account causing me extreme harm. If your shady collection agency fails to remove the collection account that was intentionally intended to damage my credit standing immediately, this consumer complaint is evidence that I will seek justice against your shady operations by filing a lawsuit against defendants XXXX XXXX and XXXX XXXX in the XXXX XXXX County Superior Court requesting a jury trial to bring your shady operations to justice. I was never given a copy of the bogus contract. I never authorized the bogus contract. Please provide me a copy of the contract when your shady collection agency response to my consumer complaint. I question the authenticity of my signature on the bogus contract. I would like for your shady collection operation to allow my FBI forensic expert access to the original contract so my expert can authenticate it. Please notify me in writing of a good day and time when my expert can authenticate the original contract. I am going to tell your shady collection operation this for the last time - I do NOT agree with the outstanding balance. I have disputed the bogus balance many times in the past which went ignored. However, to avoid litigation cost and attorney fees I will agree to pay the bogus {$180.00} remaining balance ONLY if your shady collection agency send me a deletion letter agreeing to remove the bogus collection account from all 3 major credit reporting agencies. Once I receive the deletion letter I will call in the payment to satisfy the bogus balance. I cancelled my account with XXXX XXXX because of the terrible service, the questionable contract, and the shady billing scam spins. When I cancelled my account with XXXX XXXX the shady operation billing department immediately debited my bank account in the amount of {$180.00} and then NEVER sent me a bill for the remaining balance, instead, the shady operation was out to quietly seek revenge against me for cancelling the terrible service by intentionally damaging my good credit standing attempting to make it impossible for me to seek honest good service else where. These kind of operation contract collection scams printed by crooked lawyers are only designed to seek revenge against victims for cancelling services, which is truly designed to cause victims extreme harm. Its time the FBI kicks in the incompetent collection skinny swamp doors to drain the smelly collection agency swamp. Thank you for your cooperation and I await your prompt response.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
|
| 08/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is the second or third time I have been harassed in regards to a fraudulent transaction that was authorized by XXXX XXXX.
I have submit previous complaints in regards to this matter that I reported both to XXXX XXXX 's Fraud Department as well as the XXXX XXXX XXXX Department 's Fraud Department.
All documents were turned over to the XXXX Sheriff 's Department for fingerprinting and analysis since the people in the local branch of XXXX 's Fraud Department did not want to take responsibility for clearing a fraudulent check.
The Detective I spoke with in XXXX Sheriff 's Department stated the funds were sent out of the state of Florida and into XXXX, Ohio and the state of Illinois. I was advised the information was given to the authorities in those states and there was nothing more the state of Florida could do.
This information has been previously reported to XXXX XXXX in addition to complaints previously submit on this CFPB website in regards to this matter.
It was a case of fraud that I turned over to authorities. XXXX is well aware of the situation and had access to the information that I personally walked into the local branch and gave to them.
I no longer have an account at XXXX XXXX. They cashed a fraudulent check and failed to protect myself and my children as one of their accounts. They lost my trust in addition to my business and access to my hard earned money.
I have reported this issue before. XXXX needs to understand the continuous harassment can, will and should result in violations and fines.
I have repeatedly given them the information they do not want to admit. I have repeatedly told them via phone and writing ... DO NOT CONTACT ME AGAIN IN REGARDS TO THIS MATTER. DO NOT CONTACT ME VIA PHONE, MAIL OR EMAIL EVER AGAIN IN REGARDS TO THIS MATTER.
XXXX XXXX cashed a fraudulent check. I depended on them to protect me and my children as clients. I needed a bank that would protect my account. That includes Fraud Protection. XXXX failed.
They were given the information that they did not want. I turned all documents, envelopes, everything over to the XXXX Sheriff 's Department.
This has been documented previously and in several complaints.
Now I am getting contacted by a company called Convergent Outsourcing , Inc . They either bought or got sold what is called " bad paper '' also known as " dead paper. '' This is a Professional FYI to Convergent Outsourcing, Inc. : I am not going to waste my time on making a phone call to your office only to have to educate one of your inexperienced " agents '' reading off of a script called " How to do Debt Collections for Dummies 101 ''. However know this now, here it is in writing ... DO NOT CALL ME NOR CONTACT ME IN REGARDS TO THIS MATTER EVER AGAIN.
XXXX XXXX has a huge problem since they have been warned previously. XXXX XXXX cashed a fraudulent check. They know it as I have previously reported them. Their authorization has been revoked. I do not trust them with my money. They lost me as a client. DO NOT CONTACT ME AGAIN IN REGARDS TO THIS MATTER.
|
| 04/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for committing identity theft. I have never given XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from XXXX. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity ( this includes furnished data through my consumer reports ), of this and any alleged debts until XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I advise XXXX to use proper methods of communication including certified mail. Also if Convergent is the third party debt collection agency, I advise them to stop using deceptive means by falsely representing XXXX on my consumer reports. Please refer to 15 USC 1692e ( 14 ) my credit report will validate this violation and suit will be brought forward. I wasn't made aware that the company furnished the information to my credit report in XXXX of XXXX but initial communication with me didn't begin until XXXX of XXXX. There are multiple violations to 15 USC 1692 ( g ) ( a ) ( 3-5 ). Also if the collection claims that an initial communication was sent prior to XXXX of XXXX, please include the certified mail tracking numbers and return receipt that such mail was indeed sent and delivered. Failure to do so will be represented as mail fraud which is a federal offense. Also according to 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt does not convert to an admission of liability. Please again remove this information from my credit reports to avoid the further pursuit of legal litigations.
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| 01/29/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I XXXX XXXX authorize this company to move forward with this complaint.
Convergent Outsourcing C T CORPORATION SYSTEM XXXX XXXX WAY XXXX XXXX XXXX, XXXX, WA, XXXX XX/XX/2022 To : The Office of Registered Agent for Convergent Outsourcing From : XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX XXXX credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for.
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
XXXX ) Documentation that shows I agreed to pay this debt with my signature.
XXXX ) The Agreement that grants you authority to collect on this alleged debt.
XXXX ) A copy of your state license, including license number that gives you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for XXXX damages.
Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX XXXX
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| 04/11/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear Sir or Madame : I am writing this complaint in regards to an alleged {$1300.00} debt that Convergent Outsourcing , IncXXXX is reporting to the credit bureaus. According to the information reported to the Credit Bureaus, the date of first delinquency was XXXX, XXXX. The Statute of Limitations on this alleged debt, even should it be mine, is 5 years in the state of Missouri. Since the debt is out of the statute of limitations, and they are reporting this on my credit report, they are conducting collection activities on zombie debt. Not only is this zombie debt, the documents I have attched show the account has been re-aged and the status misrepresented to the credit bureaus in order to continue collection attempts via reporting the information. This is being reported as an " Open '' account when in fact it has been closed for many years, according to the original creditor, and the company gone out of business. The computer generated print out of the alleged debt that this collection company has sent to me did not meet the legal standard of validation as requested ; However, their own document shows the 1st date of delinquency as XXXX, XXXX, yet they as reporting the account as opened as of XXXX, XXXX, as evidenced by the printed screent shot of the account. Additionally, they are reporting it as an alleged {$1300.00} debt, when I have evidence of a statement from a previous collection company showing an alleged debt for a different amount, which brings intoi question the entire history of the alleged account as inaccurate. I have atteched this document for your reference. This is why I requested the account history from both the Original Creditor, XXXX, and this collection company, Converegent Outsouring , IncXXXX which neither has provided as requried pursuant to a request for investigtation into the accuracy of the records via the FCRA Section 623. Reporting the alleged account as being opened XX/XX/XXXX, is impossible evidenced by the date of 1st delinquency reported by their own firm. This is merely and attempt to re-age the account by this collection company, which I am sure you are aware is a violation of the FCRA. I'm sure you are aware of the provisions in the FDCPA. However, I would liiketo point out that this company has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute can be found in 15 USC 1692e subsection 2 The false representation of - ( A ) the legal status of the alleged debt AND ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. This alleged account is zombie debt which has been re-aged to misrepresent the staus. I am also certain this company does not have, and has in fact failed to provide on serval occations as requested, adequate documentation to prove in court they have a right to report this negative information on my credit report, and therefore are in violation of the FCRA as well as the FDCPA.
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| 11/07/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that CONVERGENT OUTSOURCING had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$1400.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making this major purchase and business ventures that have to be delayed until this illegal account is removed. CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX
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| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, my general good mode of living my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ).
Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNTS FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15 USC XXXX, {$1000.00} per each violation you have incurred. XXXX XXXX Last 4 of XXXX : XXXX Copy of DL Copy of Address Copy of FTC report
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| 01/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I recently pulled my credit report ( XX/XX/XXXX ) and it showed that there was a XXXX account that /was opened XX/XX/XXXX. After calling XXXX Customer service ( XX/XX/XXXX ), the representative informed me that there was only 1 account under my SSN and it was closed in XXXX with a balance of {$470.00}. She then later tells me that I would need to go into a store and talk to a rep there because they can see more information then her and they have a way to bypass the system. I told her I would go into a store since there is one that closes in about 2 hours near me.
As I get to the store. I informed them that there is an account that states it is currently with an open status on my credit report and dates that it was opened. The workers there were able to give me more information on the account. Account number, open date, amount and number that was associated with it. They told me that it is a 7 year old account they aren't sure why it is reported open but there was no accounts currently opened in the XXXX system.
As I am already frustrated and confused that in store they are showing a closed account but on my credit it shows open. I then receive a phone call and it pops up showing XXXX and it was the same representative that I spoke with earlier. The rep is asking if I have an access code and tell her that I do not. She then tells me that without that code because I wasn't able to properly verify the account that she is unable to access more information. I assume that first and last name, SSN, DOB and account number should be enough information to access the account. She tells me that it wasn't enough. I again ask her what is the access going to do for me. I let her know that I am already frustrated that there is incorrect reporting on my credit report. I then ask her to speak to a manager. The rep then tells me that she wasn't supposed to be calling me back but wanted to because she wanted to make sure it was taken care of. The rep then gets a manger.
The manger was able to pull information up and tells me that the account was sold to a debt collection agency and she would need to talk to the collection department to see if there is anything that they can do and if not to contact the debt collection agency. I ask the manager if they follow time zone regulations and she said that they. If I am correct some companies are not allowed to call back or make phone calls within the hours of XXXX to XXXX XXXX local time for the customer. Either way, the manager informed me that representatives are not allowed to call customer back without their permission. I know that I did not give permission for the previous representative to give me a call back. She them informs me that she will have a talk with her about it and make sure that is does not happen.
I have asked that my number be removed from the system and calls to stop. I let manager on duty know that I will be speaking with XXXX reps in store and I will contact the collection agency ( Convergent Outsourcing ) that my account is with.
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| 10/22/2015 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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In response to the response made by Convergent Outsourcing , Inc. on XXXX XXXX, 2015, I am responding to the lie Convergent Outsourcing, Inc. ( Convergent ) made. Convergent Outsourcing, Inc. stated : " As of XXXX/XXXX/2015, the account became inactive with Convergent and is no longer in our office. " I have proof that Convergent is a liar. I pulled my credit report ( aka consumer report ) from XXXX on XXXX XXXX, 2015. My Experian credit report shows that Convergent obtained my credit report on XXXX XXXX, 2015. Convergent obtained my credit report AFTER Convergent supposedly no longer has the account in their office. Convergent does not have and no longer has a permissible purpose to obtain my credit report ( s ). I will pursue legal action if Convergent ever contacts me or obtains my credit report ( s ).
I will sue if I am ever contacted, harassed, or otherwise intimidated by Convergent Outsourcing , Inc., XXXX XXXX XXXX XXXX, and the below. My legal counsel will consider gathering, retrieving, requesting, reviewing, and/or obtaining through legal and illegal means my credit report ( s ) and/or consumer report ( s ) as intimidation and communication. Communication through direct or indirect means to me or my credit and/or consumer reports via third party retrieval methods ( i.e. consumer reporting agency or agencies ) is prohibited acts of communication.
As such : I may not be further contacted and harassed by XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX. ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; The XXXX XXXX ; XXXX XXXX ; Convergent ; Convergent Outsourcing, Inc. ; XXXX XXXX XXXX XXXX , XXXX ; and anyone and anything that not specifically mentioned herein but may have been, may be presently, or may be future connected or related to any and all of the aforementioned.
The aforementioned may not sell or transfer to another the time-barred alleged debt so that others may not harass me over a time-barred alleged debt. The aforementioned and anyone and anything that not specifically mentioned herein may not gather or retrieve my credit report ( s ) and/or consumer report ( s ) via permissible purpose, FCRA 604, 15 U.S.C. 1681b. The aforementioned do not have and no longer has a permissible purpose to gather or retrieve my credit report ( s ) and/or consumer report ( s ). XXXX XXXX XXXX XXXX has acknowledged my cease communication requests pursuant to Section 805 ( c ) of the FDCPA, 15 U.S.C. Section 1692c.
As such : The XXXX XXXX XXXX XXXX and the aforementioned will be in violation of FCRA 604, 15 U.S.C. 1681b and Section 805 ( c ) ( XXXX ) of the FDCPA, 15 U.S.C. Section 1692c if the aforementioned or anyone and anything on behalf of the aforementioned gather or retrieve my credit report ( s ) and/or consumer report ( s ).
If aforementioned gather or retrieve my credit report and/or consumer report, I will pursue legal action. If the aforementioned communicate with me, I will pursue legal action.
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| 09/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Dear Sir or XXXX : I am writing this complaint to you today regarding the practices of this company, and the response I received from this collections company, concerning an alleged debt. I sent a validation request to Convergent Outsourcing XXXX IncXXXX dated XXXX XXXX, 2022, in response to a negative entry on my credit reports listed by this collection company. The alleged amount owed stated was {$1300.00}, and the alleged creditor listed was XXXX. I sent this debt validation request certified electronic return receipt signature required via usps on XXXX XXXX, 2022. Records show the collection company received the validation request XXXX XXXX, 2022. The company responded in a timley manner as per the Fair Debt Collection Practices Act. I recieved a response dated XXXX XXXX, 2022. The issue and basis on this complaint is that the response was not appropriate, nor did it meet the requirements of the Fair Debt Collection Practices Act standards for verification or debt validation. The reponse to my request included a XXXX XXXX to be completed by the original creditor, or completed on the original creditor 's behalf, and returned to me as requested. My dispute and validation request for verification also contained a Request for Production of Documents pursuant to the full records of the account from both the collection company and the original creditor. All requests for information including the Verification or Debt Validation Request, Creditor Declaration, and the Request for Production of Documents were ignored and disregarded. The response I received from Convergent Oursourcing , IncXXXX was a fraud packet they erroneously stated I requested. This is a direct violation of the Fair Debt Collection Practices Act. The company continues reporting the entry without verifying or validating the information. As you are well aware, it is the collection company 's responsibility to provide the information to the alleged consumer upon request for validation or verification. I have disputed the entry with XXXX and XXXX, to which they have failed to respond or remove the unverified entry as well. XXXX and XXXX have failed to properly investigate upon dispute, failed to repond to the request for verification, and failed to remove inaccurate information upon notice of such status. I am writing seperate complaints for these credit bureaus, as they are complicit in this not being investigated, verified, or removed. I am requesting either an appropriate response to my Validation Request, Creditor Declaration, and Request for Production of Documents containing the information requested in these documents to meet the standard of debt validation, or that the company remove the negative entry from all credit bureaus in which it is being reported to. I have attached records of the original letter of dispute and request for validation, signature proof of reciept, creditor declaration, and request for production of documents, and the response I received to support this complaint.
|
| 06/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was first contacted by XXXX, XXXX with a collection notice for a XXXX XXXX account that was not mine. I have never owned a XXXX XXXX or other affiliated account with XXXX, ever. The notice was dated XX/XX/2019. On XX/XX/2019, my attorney sent them a debt dispute letter that stated this was not my debt and that if an account with XXXX XXXX does in fact exist, it was opened fraudulently. USPS tracking shows that XXXX did receive the dispute letter. They responded on XX/XX/2019, stating that in order to submit my identity theft claim, I must contact XXXX XXXX directly ; XXXX has updated the account as disputed and will comply with all laws in accordance with this claim. Myself or my attorney never heard from them since. I did not contact XXXX XXXX because it is my understanding that they close their account records once they send off an account to collections and would not work with me to fix this issue. I then received a collection notice from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/2019, for the same exact debt/account with XXXX XXXX. My attorney sent them a similar dispute letter on XX/XX/2019. USPS tracking shows that XXXX did receive the dispute letter. Myself nor my attorney has not received any further correspondence from XXXX. I then received another collection notice from Convergent dated XX/XX/2019, for the exact same XXXX XXXX account and debt amount, except now they added on a collection cost. Once again, my attorney sent a similar collection notice that this is not my debt/account, and that in fact I have never had a XXXX XXXX account. This letter is still in the process of shipping. It seems that this should be along the lines of harassment at this point in time. Once you dispute a debt with a collection agency, they should not be allowed to sell your debt off to a different collection agency and continue to harass you for a disputed debt. I believe that Oregon law, which is where I am a resident, has been violated. See ORS 646.639, which was recently amended to add additional language to ( 2 ) ( t ) as follows : ( 2 ) A debt collector engages in an unlawful collection practice if the debt collector, while collecting or attempting to collect a debt, does any of the following : ( t ) Collects or attempts to collect a debt if the debt collector is a debt buyer, or is acting on a debt buyer 's behalf, and collects or attempts to collect purchased debt before providing to a debtor, within 30 days after the date of the debtor 's request, all of the documents listed in subsection ( 4 ) ( b ) of this section. To me it seems that this interpreted to mean that a debt collector, once you dispute a debt, is required to send you the requested proof of the debt before they can engage another debt buyer to attempt to collect the same debt. Not only this, but ORS 646.639 ( 2 ) ( m ) ( n ) does not allow for additional fees to be added upon a debt, which is exactly what Convergent Outsourcing , Inc. has done with a " collection cost '' added to this debt.
|
| 12/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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THE COMPANY, CONVERGENT OUTSOURCING INC., HAS MAILED CORRESPONDENCE IN THE MAIL STATING I OWE THEM AN ALLEGED DEBT. I HAVE NO AGREEMENT OR NEVER SIGNED AN AGREEMENT WITH CONVERGENT OUTSOURCING INC. THEY PURCHASED A DEBT FROM ANOTHER COMPANY WITHOUT ME BEING INVOLVED IN THE TRANSACTION. I am a natural person as defined by 15 U.S.C. 3002 ( XXXX ). PURSUANT TO 15 USC Code 1692e False or misleading representations.15 USC 1692 states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. XXXX ) The false representation of- ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. I, XXXX XXXX XXXX give authorization for Convergent Outsourcing , Inc to move forward with this complaint.
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| 09/29/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Good evening, Back in late XXXX, I discovered that XXXX XXXX reported my account as delinquent, despite receiving email communications from them that said I had {$0.00} credit balance into XXXX ( XXXX was when the account was reported delinquent ) and having enrolled in autopay for the entire time I had an active account. I received no other indication from XXXX that there was an outstanding balance on my account. Given these reasons, I question the validity of the {$93.00} debt I apparently owe due to XXXXXXXX XXXX consistent miscommunication and lack of transparency.
XXXX XXXX XXXX - My XXXX XXXX account was overpaid. I received notice that I would be getting a {$12.00} refund on the account.
XXXX XXXX XXXX - The last bill summary I received from XXXX. The credit balance was reported as {$0.00}.
XXXX XXXXXXXX payment - My account was enrolled in autopay for its entire duration.
On XX/XX/XXXX I reached out to XXXX customer support on their XXXX XXXX XXXX for more clarity on where the debt originated, but they were unable to help me authenticate or get access to my account ( I was sent a link to authenticate this account, but I received a message that said " Looks like the information you entered doesn't match with our records '' ). I have run into similar problems when trying to access the account to view my billing/payment history after services ended. The representative then directed me to call XXXX XXXX Recovery department, and I contacted them on Monday XX/XX/XXXX where I was only provided the number of Convergent Outsourcing, the collections company my debt was sent to. After unsuccessfully trying to call Convergent with the number I was provided, I sent them a debt verification request on XX/XX/XXXX through their website. As of today XX/XX/XXXX, I still have not received a response to my debt verification request from them. Additionally, their website is now inaccessible/reroutes to XXXX automatically, and my attempts to reach out via phone are unsuccessful, so follow up has not been possible. Around this time I had sent disputes to XXXX, XXXX, and XXXX ( each result confirmed the {$93.00} charged to me ). On XX/XX/XXXX I contacted XXXX XXXX again, and was able to connect with a representative who advised me to reach out to XXXX with the reference number XXXX in the subject line. As of XX/XX/XXXX I still have not received a reply. I'm disappointed that XXXX 's lapse in communication and transparency ( it has been incredibly difficult accessing the XXXX account to view my charges to track, where even customer service agents have struggled to find it as well ; emails from XXXX confirming my account was paid in full, but still having the alleged debt sent to collections ) has been incredibly damaging to my credit. I am also frustrated by how difficult it has been to get into contact with the collections agency ( Convergent and/or XXXX - I am unclear of which one the debt is under ). Please advise/assist on how to proceed.
|
| 04/10/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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XXXX Account, no contract, paid auto-pay each month with XXXX XXXX, when son graduated, we canceled the account on XX/XX/XXXX and turned in the equipment as directed by XXXX and were given a XXXX Return Receipt XX/XX/XXXX # XXXX XXXX TV Equipment 2 pieces XXXX. Again, no contract, account closed and equipment turned in with receipt on XXXX.
On XXXX XXXX, XXXX reported to my credit reports that I owed {$430.00} past due to XXXX and it was now in collections. Creditor # XXXX and XXXX Account # XXXX. I immediately disputed and provided proof of account termination and equipment return with receipt, XXXX removed the collection action from my credit report.
XX/XX/XXXX, Convergent Outsourcing now reports the same amount {$430.00} on my credit report as being owed to XXXX and they are now initiating a new collection action, seemingly starting the entire process over again, just using a different Credit Collection Company, Convergent now XXXX before. I've disputed with Convergent and they have not provided detailed billing and debt information as requested, and XXXX did not either. Both have simply said they have " certified '' that the debt is owed and only provide a summary of current balance owed, no detailed debt with dates of what the debt is and was, and I continue to maintain the account was paid in full, current at the time of cancellation and equipment turn in. It is my belief, all alleged debt is for date after XXXX when the account was cancelled and equipment turned in, wrongfully charged for which I've disputed and have not been provided any proof of debt with dates and description.
This looks and feels predatory and/or fraudulent in practice.
With that said, my son was attending the University XXXX XXXX XXXX, renting a house, and I paid for the XXXX account via auto-pay each month, no contract, just month to month for nearly 2 years. When he graduated, we terminated the account and returned the equipment, with proof of receipt at the time. Months later, XXXX dinged my credit report with a past due collections, apparently on behalf of XXXX. I immediately disputed and provided proof of closing the account and returning the equipment, that was the last I heard of it, and the derogatory hit on my credit report by XXXX was removed. Months later, I get a notice that Convergent Outsourcing is now saying it has a past due account and in collections for XXXX, its like the process started all over again but with a different collection company, related or affiliated to XXXX I have no idea, but it seems " fishy, '' and predatory to me in my experience.
I want to contest and do whatever is necessary, within reason, to help stop this kind of predatory behavior on consumers.
I've attached a copy of my credit report, XXXX XXXX and a copy of my prior dispute with XXXX.
Is this a matter for which you represent, albeit small, and what would you charge to dispute and take whatever other appropriate action necessary?
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I received this email on XX/XX/XXXX from Convergent Outsourcing : Regarding Your XXXX XXXX Account Ending in XXXX Dear XXXX XXXX, The account referenced below has been placed by XXXX XXXX with our office for collections.
Our client has advised us that they are willing to satisfy your account in full for 70 % of your total balance. The reduced balance amount of {$1100.00} must be received in our office by an agreed upon date. If you are interested in taking advantage of this opportunity, respond within 60 days of your receipt of this notice. We are not obligated to renew this offer.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
Please send any correspondence to Convergent Outsourcing , Inc. at XXXX XXXX XXXX XXXX, WA XXXX Your Account Summary : Creditor : XXXX XXXX Client Account # : XXXX Convergent Account # : XXXX Reduced Balance Amount : {$1100.00} Account Balance : {$1300.00} Collection Costs : {$240.00} Total Amount Owed : {$1600.00} On XX/XX/XXXX, I paid {$930.00} in settlement to XXXX XXXX for the same debt mentioned in the email I received from Convergent. This is the receipt below : From : XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Payment Receipt Thank you for your payment!
Your payment has been received and charged by XXXX XXXX XXXX Below is your payment receipt.
Date : XX/XX/XXXX Account Holder : XXXX XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ZIP : XXXX Current Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX # : XXXX Invoice : XXXX AMOUNT : XXXX TOTAL : XXXX ========================================= X_______________________________________ ========================================= XXXX XXXX **PLEASE RETURN SIGNED** BY RETURNING THIS RECIEPT SIGNED YOU AGREE TO PAY THE ABOVE TOTAL AMOUNT ACCORDING TO THE CARD ISSUER AGREEMENT.
Please sign the above receipt and send back a scanned/photo copy of the signed receipt to this email ( you may snap a photo with your camera phone if you do not have scanning capabilities ). If you are not able to print and sign, you can also visit XXXX XXXX XXXX for free ESigning services.
If you have any questions about this transaction please call ( XXXX XXXX XXXX or email us at XXXX and reference your ID Number above. This communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose.
Confidentiality Note : This email and any attached files are intended only for the use of the individual or entity named above and may contain information that is confidential and privileged. If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this e-mail is strictly prohibited. If you have received this e-mail in error, please notify us immediately by return email and delete the material from any computer.
|
| 06/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This complaint is regarding a closed account with XXXX. I have been a customer of XXXX for more than 4 years, unfortunately, this incident happened twice with XXXX.
The first one was that I transferred responsibility to another person and stated that there was a {$75.00} balance that was not paid. I was called by a collection agency after several months and did pay for it because I did not want to get reported to the credit bureau. However, XXXX did not send me any mail or final bill or even a phone call even when I still have an active account with them.
The second incident happened early this year when I transferred responsibility to my brother as I completely cancelled my XXXX account due to unsatisfactory service. My transfer of responsibility and change of service started XX/XX/XXXX. I then requested a final bill which I received on XX/XX/XXXX with the amount of XXXX that I paid XX/XX/XXXX. Since I received the final bill, I assumed all the transaction including the transfers were all taken care of.
On XX/XX/XXXX, I received another letter that stated I owe {$550.00} from a cancelled account from XXXX. I then started calling XXXX multiple times to clarify the bill that I even went to their store. Unfortunately, since the account was closed and I couldn't remember the passcode, we were back and forth on who to talk to. I believe my mistake was also not writing down how many times I called which I was in good faith that they will follow up.
I did not hear anything from XXXX at all so I decided to call on XX/XX/XXXX, I finally learned that XXXX charged me for an equipment that I do not own. XXXX then contacted the person that I transferred the responsibility to so that this transaction will be completed. I did not received any notification or follow up call, again, in good faith that they are handling the situation like they should.
A couple of weeks later, I still have not received any final corrected bill XXXX so I made a call on XX/XX/XXXX. They said that the person that I transferred responsibility to only signed 1 out of 3 paper documents. I then question them why did they not informed any of the account holder or follow up any call so this can be avoided. After lengthy conversation, I stayed on the phone with the representative along with the other customer to make sure that the other 2 documents were electronically signed and said that the signed documents were completed. I then asked for an updated bill but was advised by the customer rep to call back on XX/XX/XXXX because my billing cycle would start then and the bill will be updated.
On XX/XX/XXXX, I received a phone call from Convergent Collection Agency and spoke with XXXX XXXX that stated I owe $ 500+ from XXXX .
XXXX did not communicate properly with us regarding our final bill. They just sent my information to the collection agency without proper follow up or letter. This is very devastating especially I take care of my credit score.
|
| 07/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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On XX/XX/XXXX, I received notice from a credit monitoring service that a collection had been added to my credit reports. I was completely unaware of the alleged debt that was originally owed to XXXX XXXX and was from a debt that is substantially past the statute of limitations in my state ( from XXXX ). The amount they claim is due is {$160.00}. I never received ANY communication from them by phone or in writing stating that I owed this debt. They just " parked '' this debt on my credit reports probably hoping I would respond. After a phone call from my husband ( I have never spoken with them in any form, and I never gave them permission to speak with my husband on my behalf, although I did hear some of the conversation, since I was in the room when he called ), they mailed me a letter ( attached ) dated XX/XX/XXXX which stated I have 30 days to dispute the debt ( a " dunning letter '' I believe ). Ironically, the dunning letter states " Your Response is Requested. '' I thought I had to be given the opportunity to respond BEFORE they report it to the credit bureaus. They also sent a " debt verification '' letter ( attached ) dated XX/XX/XXXX with a computer printout from XXXX XXXX from XXXX. Ironically their Dunning Letter states : " The records of XXXX XXXX show that your balance of {$160.00} is due in full. '' However, the debt verification printout from XXXX that they provided shows a XXXX balance ( attached ). When they spoke with my husband, he SPECIFICALLY asked them who owned this debt. They claimed XXXX owned the debt, and they were collecting on behalf of XXXX. Upon calling XXXX directly, I learned that they ( XXXX ) had sold the debt. XXXX would not give me the date ( which the do n't have to, but the debt collector is supposed to if asked ). Upon receiving their " Dunning Letter '' and " Verification Letter '', I also immediately noticed that the first name on the account was not my legal name, but a nickname. I highly doubt I ever opened an account using a nickname, which begs the question how it ended up on my credit reports at all. This company apparently has a reputation for bad business practices ( according to a number of sources ). I have SPOTLESS credit, and I do not avoid paying legitimate debts when they are presented. But parking an old debt on my credit reports while being less than truthful regarding how they acquired the debt and not giving me the opportunity to research and respond BEFORE they report it to credit bureaus is at best a bad business practice and at worst a violation of my rights under the FCRA and/or the FDCPA. I did send them a validation of debt request letter ( attached ) which they signed for onXX/XX/XXXX. They also claim on my credit reports that the debt was reported on XX/XX/XXXX. I can prove this debt was not reported to any of the credit reporting agencies as ofXX/XX/XXXX. It started reporting on XX/XX/XXXX, the day I received the credit monitoring notice.
|
| 12/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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How is it possible that XXXX keeps appearing on my credit month in and month out with different company 's name, different opened date, and first date of delinquency and different date of last activity. This is completely unacceptable and it shouldn't be reported because as you can see, it's
reporting incomplete, misleading information. It was once removed from all the 3 major credit bureaus and now it's reporting back with a different open date as collection. DOn't you think this is unjust? Again, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 04/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I'm on the phone with a representative from the offshore location for CONVERGENT OUTSOURCINNG in regards to alleged debt with XXXX from XXXX? I told her that I need to see the full validation of the debt including the signed contract and she said that she doesn't have that I would need to contact XXXX How come a debt from XXXX all of the sudden is reporting in XXXX? Isn't this an obsolete and ghost debt?
Honestly, Im confused and stressed, and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from your company " COI '' that I never have dealt with before or even the original creditor. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the unlawful furnishing of a fraudulent collection account on my XXXX credit report by Convergent Outsourcing. This unjust reporting has persisted for approximately XXXX years, and I believe it is crucial to address this issue promptly.
The account in question is as follows : Account Number : XXXX Date Opened : XX/XX/2019 I am formally requesting that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action against Convergent Outsourcing for their unlawful and fraudulent practices. Several key issues highlight the severity of this situation : Lack of Licensure in the State of Florida : Convergent Outsourcing is not licensed to collect debts or furnish information to credit bureaus in the state of Florida. This violates Florida state laws and regulations governing debt collection agencies.
Violation of the XXXX XXXX : Convergent Outsourcing 's operations are in direct contravention of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). This system clearly defines the states in which collection companies are authorized to collect debts. The inclusion of Florida is conspicuously absent from their authorized states.
Given these violations and the absence of appropriate licensure, it is evident that Convergent Outsourcing 's collection activities and reporting on my credit report are in direct violation of Florida state laws and the XXXX framework.
In light of these circumstances, I formally request the following actions to be taken : Immediate Removal/Deletion : I request that the fraudulent account, Account Number XXXX, which has been reported to XXXX, be removed or deleted from my credit report without delay.
Investigation and Enforcement : I urge the Consumer Financial Protection Bureau to investigate Convergent Outsourcing 's unlawful debt collection and reporting practices in Florida and take appropriate enforcement action against them to prevent further harm to consumers.
Prevent Future Violations : I request that the CFPB takes measures to ensure that Convergent Outsourcing and similar entities adhere to state and federal laws governing debt collection practices, preventing future violations.
I have attached copies of relevant documents that support my claims, including proof of Convergent Outsourcing 's lack of licensure in the state of Florida and their exclusion from the XXXX framework for debt collection.
I am grateful for your attention to this matter and your dedication to protecting consumers from unlawful debt collection practices. I look forward to a prompt resolution of this issue and the removal of the fraudulent account from my credit report.
Please do not hesitate to reach out to me if you require any further information or documentation to assist in your investigation.
|
| 10/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I called XXXX on numerous occasions with more than XXXX excuses why they could not close my account. Every time I would call one rep even told me I would have to wait. I was like wait to close an account that I want closed now this is ridiculous. I placed another call and was told to wait until my billing cycle ended. Every time I called it was excuses after excuses that really burned me out as a consumer trying to get this resolved with my credit applied. Many reps would hang up in order not to deal with closing the account and would place me on hold for more than an hour then they would hang up the phone because I was a loyal customer with numerous lines and they would not want to be responsible for a big account closing. This went on for several months. I got no where until I transferred the line to another carrier.and requested that they close my account they would not assist me to do so. I asked them several times and they kept transferring me from XXXX department to the other. As of today 's date I can not get a payment arrangement nor able to login into account to make a payment. I have made numerous calls to close account. They want to keep billing me the bill got out of hand from the amount that they said I would be paying each month it was double from the original amount instead of XXXX it became over XXXX per month and not what they quoted me. I was told on numerous calls that I would receive credit as of today 's date I never received credit nor an adjustment for being a loyal customer. On XXXX XXXX, 2015 I received a letter from XXXX stating that my account lines were disconnected but I can still log on to my account which is active and pay when logging into account account would not let me login in to see my account nor assist me. I received an invoice in the amount of {$4300.00} from collection agency Convergent regarding the collection proceeding from XXXX XXXX I am still awaiting communication from XXXX on my credit of more than XXXX owed and have not received I am now being harassed for money when I tired on numerous attempts to get this account resolved and my credits applied with no communication from verizonwireless other than a letter stating that I can login to account which login does not work. I have left numerous messages with customer service to close account and to assist me with payment arrangement on the correct balance owed as of today 's date this has not happened and even after a letter received XXXX/XXXX/2015 from XXXX saying to pay them by login in to account but how can someone pay XXXX people at the same time them and a collection agency when the bill is still not resolved. They have never sent a letter saying they have resolved the matter nor a credit but ask to pay them and also a collection agency all at the same time which is against the law. To request payment and also request a collection agency all at the same time.
|
| 04/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
|
| 03/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX is attempting to collect money from you on XXXX 's behalf. But you don't understand why you owe XXXX ... So you ask : " Hey XXXX, XXXX says i owe you money. What is he talking about? '' And XXXX says : " I have no clue what he's talking about. You don't owe me anything. '' You would feel like XXXX is trying to scam you right? Well this is how Convergent Outsourcing is trying to collect {$340.00} from me " on behalf '' of XXXX XXXXXXXX.
My relationship with XXXX XXXX XXXXegun with me being under my moms account, to the best of my knowledge. Since then, I've gone off into my own account but some how traces of her [ now closed XXXX XXXX XXXX account continues to pop up on my side. After a plethora of phone calls with XXXX XXXX in regards to financial mishaps, my mom and I NEVER walk away with a consistent answer to what the problem is exactly. So after seeing Convergent Outsourcing on behalf of XXXX XXXX report a derogatory mark on my credit, I was befuddled!!
On the morning of Friday XX/XX/2021, I speak with XXXX, VA XXXX XXXX rep XXXX XXXX XXXX ID : XXXX ) about this matter and as he thoroughly combed through both me and my mom 's account histories, he was unable to find any past records of outstanding debt. Correct me if i'm wrong ; but if i owed XXXX XXXX at XXXX point in time, once they sell that debt to to Convergent Outsourcing, do they burn all records that say I owe them money? I dont think so, to my knowledge. So XXXX with XXXX XXXX says my account shows no records of outstanding debt ; current OR PAST!!!
The same day immediately after speaking with XXXX XXXX rep XXXX, I reach out to XXXX, TX Convergent Outsourcing to help me understand why theyre attempting to collect non-existent debt, according to XXXX XXXX XXXX speak with XXXX, TX Convergent Outsourcing rep XXXX XXXX XXXX XXXX id JRO, thats the rep id he gave me ) and he's very vague and inconsistent on why I originally owed XXXX XXXX XXXXoney. He says I owe {$220.00} for a phone but doesn't have any details to describe this phone. He says I owe {$100.00} for a phone bill but doesn't have any details on when and what this phone bill is about. He says I owe {$23.00} in taxes and it's made up of a {$20.00} late fee and {$2.00} for something else he can't explain. I ask the same question you're wondering ; " XXXX, where does the other {$1.00} come from '' ... I have yet to get a clear justification for that figure.
In conclusion, if I owed XXXX XXXX ... cool! Convergent Outsourcing acquired the debt so it's fair for me to pay what I owed. However, it is absolutely UNFAIR for me to pay Convergent Outsourcing for a debt of {$340.00} that XXXX XXXX says, they have NO record of me ever owing. Especially if neither parties can give me specific details on the debt ; like a specific phone, a phone bill date range, where the random {$1.00} of my supposed " debt '' came from.
|
| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a Creditor Statement from XXXX XXXX XXXX XXXX XXXX XXXX a debt consolidation program regarding the checks/payments they paid on our behalf to our creditor Convergent Outsourcing Inc. in which the original Creditor is XXXX. This bill in the amount of XXXX dollars and XXXX cents ( {$460.00} ) has been paid in full. As per the Creditor Statement payments are as follows : Starting XXXX/XXXX/XXXX To XXXX/XXXX/XXXX XXXX dollar ( {$20.00} ) monthly payments a total of 14 consecutive payments. *On XXXX/XXXX/XXXX a XXXX dollars and XXXX cents ( {$110.00} ) payment was issued and this is the missing payment, *Check number XXXX. On XXXX/XXXX/XXXX a final payment of XXXX dollars and XXXX cents ( {$68.00} ) a total of XXXX dollars and XXXX cents ( {$460.00} ). During a conversation on XXXX/XXXX/XXXX with a representative of XXXX XXXX XXXX XXXX they stated that according to their records check No. XXXX in the amount of XXXX dollars and XXXX cents ( {$110.00} ) was issued and paid to CONVERGENT OUTSOURCING INC., and has been cashed by CONVERGENT OUTSOURCING INC., they told me that they will not be reissuing a second check to them in that amount since the check has already been cashed. Today XXXX/XXXX/XXXX I spoke to a supervisor at Convergent Outsourcing Inc. XXXX XXXX and she acknowledged that they received all payments from XXXX our credit consolidation company and that XXXX submitted the proof they required that payment of {$110.00} was in deed paid to them. They can not locate the payment themselves. There is no problem with XXXX because they have the proof that the payment was made to Convergent Outsourcing. Kindly help us to have our account with XXXX XXXX to be cleared once and for all. XXXX XXXX still has our account as unpaid and that we still owe them {$99.00}. as per XXXX XXXX, manager.
on XXXX/XXXX/XXXX my wife handles all of the bills and she spoke with a representative at Convergent Outsourcing about all of this. That 's when they told her they did not receive the {$110.00} dollar payment. Although they did receive it and cashed the check. My wife does the majority of the phone calling and handling of the bills in our house. Its a small amount of money to be going back and forth over. It is totally ridiculous. I and my wife spoke to them over the phone together today XXXX/XXXX/XXXX to see if we could get this resolved to no avail. They are unwilling to credit my XXXX XXXX account and make the correction. XXXX XXXX at XXXX XXXX claimed he could not help us because he turned the account over to Convergent Outsourcing and Convergent Outsourcing is saying they cancelled the account and returned it to XXXX XXXX unpaid. This is ridiculous. We are in the middle of this confusion with no where to turn. Please help!
Convergent Outsourcing Inc .
XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Phone : ( XXXX ) XXXX
|
| 07/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was sent to Convergent Outsourcing by XXXX for an account original balance of {$1100.00} due to contract termination.
Convergent sent me an offer letter to settle my account in full at $ XXXX contacted Convergent and made my payment of {$590.00} with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and was told that by paying that amount, my account is settled in full.
To date, XXXX still shows that I have the remaining balance of {$590.00} in my account therefore, my request to unlock one of my devices can't be completed.
I initially contacted Convergent on XX/XX/XXXX and spoke to XXXX XXXX. XXXX confirmed that Convergent did receive my payment in the amount of {$590.00} on XX/XX/XXXX, and provided me a trace # for that transaction as XXXX. However, when being asked to provide me a Proof of Payment so that I can show XXXX, she refused to and instead, advised me that she would put a request to XXXX to send me a Confirmation Letter notifying that they received my payment to settle my account in full. I provided XXXX with both my email address and updated mailing address.
However, knowing Convergent XXXXXXXX when they should have reported this paid amount to my XXXX months ago, I contacted them again on XX/XX/XXXX and spoke to XXXX. She advised that there is a note in their system that a request has been sent to XXXX to confirm my paid amount, and that would take around a week. I kindly reasoned with her that since it's not my fault, Convergent should have done this a long time ago instead of making me wait a week when I have a device that needed to be unlocked urgently. XXXX then told me that she would forward this to her Supervisor asking for a prompt action to expedite this process, and advised me to follow-up in a few days.
I contacted XXXX right after and was advised by their Rep that my account still shows owe an amount and they haven't received any verification from Convergent, hence, advised me to contact Convergent again.
I contacted Convergent again and spoke to XXXX XXXX She then told me that even though I paid {$590.00} I'd still owe the remaining balance of {$590.00} with XXXX since the original balance is {$1100.00}. I got into an argument with her because that's not how creditor - the collector - debtor works. Creditor - in this case, is XXXX, sold my account to Collector - which is Convergent at less amount that the original account balance. Therefore, Collector went after Debtor - me, with or without an offer to settle the account in full. I accepted the offer, paid my balance of {$590.00} and still, Convergent refuses to XXXX and passing me around providing false statements and confuses its customer. When being asked to provide Proof of Payment, they also refused to corporate.
Every time I called I was transferred around and most of the time they'd tell me that I'm reaching the wrong department.
|
| 08/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means.
You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.
18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
|
| 08/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX of XXXX, I switched my cellular services from XXXX XXXX to XXXX. I activated under a Bring Your Own Device plan, and did not purchase any equipment. I was told this was a MONTH TO MONTH, contract free plan and never signed any contract. I had XXXX until XXXX of XXXX and ported two lines to XXXX, as XXXX 's service was poor at my home, and despite spending {$250.00} on a network extender, had continual service problems. XXXX also engaged in slamming constantly increasing my bill starting in XXXX. The company failed to provide and answer as to why taxes and fees were increasing.
In XXXX, I received my final bill of {$88.00} which I paid in full. Later that month, I received an additional invoice for {$350.00} which XXXX claims was for " early termination fees '' because I cancelled my service before a " mandatory one year agreement '' that I never signed. I attempted on three different occasions between XX/XX/XXXX and XX/XX/XXXX to get XXXX to credit this and disputed this amount.
On XX/XX/XXXX at XXXX hrs I received a call from XXXX which lasted XXXX from a company identifying itself as Convergent Outsourcing , Inc. claiming to be a debt collector on behalf of XXXX. I explained to two different people that I do not owe XXXX anything and that I officially dispute this under the Fair Credit Reporting Act as not a valid debt. I was told that per their records, the debt is valid as the outstanding balance was for a failure of me to adhere to the agreement to maintain service for 1 year. I explained I never signed a contract, did not purchase a device under a payment plan, and was on a month to month plan and fulfilled all my financial obligations with XXXX and transferred both my lines to XXXX
I instructed them to cease and desist contacting me as this is not a valid debt and I believe in good faith that XXXX and it's third party agent, Convergent Outsourcing, is engaging in fraud trying to get me to pay money I do not lawfully owe. Furthermore, when I stated I would take legal action as is my right under the FCRA against anyone who places negative remarks on my credit file with the three credit agencies, I was then offered to settle this for a lower amount by " knocking a XXXX dollars off ''.
I refused and requested a supervisor. The supervisor was rude, and asserted I owed them the money. I once against again told them to cease and desist all contact as this is not a valid debt. I have also attempted, in good faith, containing XXXX at XXXX on XX/XX/XXXX at XXXX and representative XXXX said she could not do anything and transferred me to " billing '' which brought me right back to the above named firm.
It is my belief that this company is engaged in fraud and I have also reported them to the Georgia Department of Consumer Affairs as well as XXXX, who demonstrate ZERO good faith in resolving their error.
|
| 02/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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On XX/XX/XXXX I received an ALERT from XXXX. I immediately signed on to my account to verify information from the alert, There was a collection from Convergent Outsourcing for a XXXX account from XX/XX/XXXX.I contacted Convergent at that time to ask why hadn't I received a notice from them before reporting to the Credit Bureaus. Upon talking to XXXX the Convergent Rept. I learned a letter was mailed out, so I asked what address did she mail it to, at that point she gave me the wrong address so then I told her I would contact XXXX for further investigation and I mentioned to her I would dispute this account due to those reasons. Well XXXX decided to report my account AGAIN days later and added the comment that I disputed it which was UNTRUE as of today I have NOT disputed anything.I also mentioned to her there are Rules and Rights before taking matters into your own hands. In XX/XX/XXXX I had 2 XXXX, 2 cell phones and 2 watches. Due to the High Prices XXXX was charging I was able to get a lower price at XXXX XXXX XXXX. I upgraded my devices when I did the switch. Being in a contract with XXXX for 2 years those devices should have been paid off actually. On XX/XX/XXXX I contacted XXXX to update my email and mailing address, Just in case I did have a balance and they could forward me the balance. According to what is was if I was able to pay out right I would have if not I could have made payment arrangements.Anything to save the headache of damaging my credit. after contacting XXXX I was notified no one had updated my information in XX/XX/XXXX, In other words I have to pay for their mistakes. There is something suspicious about the whole situation Ms XXXX the collections supervisor from XXXX has been constantly contacting me trying to get me to go to XXXX and update my information so that it can look as if they already had my updated information, when I asked her what address did she send my final bill to AGAIN that was the wrong address so in other words I never received a final bill from XXXX. So I assumed I was paid up, now that it was a my Statue Of Limitations they decided to send it to a collection agency. I even asked XXXX from Convergent to REMOVE this off my credit report and XXXX the collection agency to remove this from my credit report and own up to their mistakes. I will accept their apology work out a payment plan from her on out and move forward. But this has to be in an email to me and removed first. I did mention I would report this to CFPB and my Local Attorney general 's Office if not resolved in 30 days. Attached is where XXXX and Convergent is ALERTING on this account constantly meaning 2 times in the SAME month which is ILLEGAL and needs to be investigated every time there is a reporting my score drops before CONVERGENT my score was XXXX XXXX now I'm at a XXXX XXXX.
|
| 09/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I switched phone companies XX/XX/XXXX so I was no longer able to access my XXXX XXXX Account, I went to a store to pay off my final XXXX balance on XX/XX/XXXX of {$200.00} I was assured twice that i would no longer have a XX/XX/XXXX bill so I asked for a paper stating I no longer had any future bills and the employee said he was unable to open my account since it was closed and paid but he was able to print the XXXX receipt so I received that. I later received an email saying on XX/XX/XXXX stating i had a past due balance of {$180.00} so I called XXXX on XX/XX/XXXX since I couldnt log into my account to see the charges and I let them know I recording for my own assurance so i have i conversation where they stated my balance was {$0.00} they apologized and said it must be a mistake. The next month I received another email on stating i had a past due balance of {$180.00} so i called XX/XX/XXXX and again let them know i was recording the conversation since i didnt want any future problems and again i was assured i had a balance of {$0.00}. I later would receive texts of a screenshot stating it was a debt collector for XXXX which i found odd so ignored it since it looked like a scam. On XX/XX/XXXX i checked my XXXX score and it showed I had a balance on my XXXX account so it was negatively impacting my XXXX score so i chatted with a XXXX employees on their chat so id have physical proof and they once again assured me i had a {$0.00} balance and that they would contact the credit bureaus so i could rest assured it would be taken care of. On XX/XX/XXXX i found out a few days after that conversation the account was in collections since i received a letter regarding the debt i called the collections agency on XX/XX/XXXX telling them i was recording for my records and i explained the situation and that XXXX said it was taken care of which they responded to by saying they were unaware of that. I told them id call XXXX to again try to fix it so i called XXXX after hanging up i got transferred multiple times until i was then transferred to the collections agency which when i gave them my account number to they couldnt find the account. I found that odd and they asked for my social which i didnt feel comfortable giving so they transferred me once more to the same agency just else where and they found the account and I basically said i was trying to speak to XXXX about my account and ended up back on the phone with the collections agency and i told them i want to dispute the debt. They said okay and then i never heard back from them. Today is XX/XX/XXXX and I saw it is still coming up on my credit. At the time I was unaware of being able to ask for proof of debit so i disputed directly with XXXX today XX/XX/XXXX and under the debt with XXXX it says I was able to report it here so here I am.
|
| 06/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Near the end of XX/XX/XXXX, my credit card information was stolen and I had numerous unauthorized charges on my credit card.
{$470.00} Extended Stay # XXXX in XXXX, XXXX on XX/XX/XXXX {$130.00} Shipt* Order on XX/XX/XXXX {$25.00} XXXX in XXXX XX/XX/XXXX XXXX {$60.00} XXXX Web XXXX XX/XX/2018 XXXX {$180.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$58.00} XXXX XXXX XXXX XX/XX/2018 XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX I live north of XXXX, XXXX, and my credit card was still in possession at the time. I don't use the credit card everyday, and was not aware of all of these unauthorized charges until 1-2 days later, when XXXX finally alerted me to possible fraud activity on my account. I checked, and then immediately called XXXX to notify them that the charges were unauthorized. They shut the credit card down, conducted their investigation, and determined I was not liable for these unauthorized charges.
However, what I was not aware of was that my credit card had been used to also open a XXXX account under my nickname ( not my legal name ). I found out 3 months later when I received a bill for {$25.00} from Convergent Outsourcing, a collections agency for XXXX. I was confused, so I called XXXX and that's when I found out that there was a second account that had been opened. I have my own XXXX account that I use regularly and keep up-to-date for payments.
I told XXXX that I had been a victim of identity theft, and they confirmed that the credit card that had been shut down by XXXX was the one used to fund this additional unauthorized XXXX account. The customer service person told me to just wait and they would have to do their investigation. I didn't hear back at all from them, so about a month later I called back and found out that XXXX 's investigation has decided that this was not a case of identity theft. They have not divulged any information about the charges, and have only told me that there is a negative balance of {$25.00} on this account. The email associated with the account is not mine, and all I know is that the balance went negative XX/XX/XXXX, maybe as a result from some of the charges that were reversed on my credit card.
I have spent over 9 hours on the phone with XXXX, Convergent, and my credit card trying to resolve this. XXXX has proven to be extremely uncooperative, and very accusing. I have been transferred from department to department during my calls for no reason, and have even been prematurely hung up on after having been on hold for over an hour. They have provided me with no proof that I opened the account, and yet have concluded that this isn't identity theft when the credit card used to fund the account was shut down for identity theft.
I have also filed a complaint with Internet Crime Complaint Center about these charges and the XXXX account.
|
| 07/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning a fraudulent account that has been reported by your agency, which I believe is a result of identity theft. I have recently discovered this account on my credit report, and I have taken immediate action to rectify the situation. Enclosed with this letter, you will find a copy of the police report I filed regarding the identity theft incident.
Account Details : Account Number : [ XXXX ] Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1200.00} No. of Months ( terms ) : - High Credit : {$1200.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber.
Date Last Active : XX/XX/XXXX I want to emphasize that I have never had any association with the mentioned account, nor have I authorized anyone to use my personal information in this manner. This account is a clear case of identity theft, and I request your immediate assistance in resolving this matter.
I kindly request that Convergent Outsourcing undertake the following actions : Conduct a Thorough Investigation : I urge your agency to conduct a detailed investigation into the origin and validity of this account. It is crucial to establish that this account is a result of identity theft and that I am not responsible for any associated debts.
Cease All XXXX Activities : Given the circumstances, I request that all collection efforts on this account be immediately suspended until the investigation is complete. Any further attempts to collect on this fraudulent debt will be considered a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.
Remove the Account from my Credit Report : Once the investigation confirms that this account is fraudulent, I expect Convergent Outsourcing to promptly notify the credit reporting bureaus and request the removal of this account from my credit report. The negative impact on my credit score resulting from this fraudulent account must be rectified.
Provide Written Confirmation : Upon completion of the investigation and removal of the account from my credit report, I request written confirmation from Convergent Outsourcing that the matter has been fully resolved and that I am no longer held responsible for any debts associated with the fraudulent account.
I have taken all necessary steps to protect myself from further harm, including filing a police report and notifying the credit reporting bureaus. I expect Convergent Outsourcing to cooperate fully in this matter and take appropriate action to rectify the situation promptly.
Sincerely,
|
| 10/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/18, I checked my credit reports because I want to make some major purchases soon. I checked and found that XXXX XXXX, XXXX had illegally posted a collection account. I have never heard of nor had an account with this company. I have no knowledge of this company nor this debt. I have never had any dealings with them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that allege account until after I sent them a notarized debt validation letter. Attached is the letter I received from XXXX XXXX, XXXX that is not proof that I have an alleged account with them. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with an account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, they have not provided documented and written proof that I am the contractual, signed account holder and I never received such a letter about this account ever in the mail until I sent them a notarized debt validation letter. They have illegally posted and reported this erroneous account to my credit file file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws by reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously because of this account. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and other opportunity costs that have to be delayed until this illegal account is removed. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX
|
| 08/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to formally lodge a complaint against Convergent Outsourcing Inc, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws.
I recently received communication from Convergent Outsourcing Inc. in the form of an invoice and a copy of a phone bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : XXXX. Failure to XXXX XXXX : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy.
XXXX. XXXX XXXX of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, Convergent Outsourcing Ink is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards.
XXXX. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim.
XXXX. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( 15 U.S.C. 1692g I kindly request that the Department of Financial Protection and Innovation thoroughly investigates this matter and takes appropriate action against Convergent Outsourcing Inc. if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole.
I am attaching copies of all relevant correspondence from Convergent Outsourcing Ink, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights.
Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
|
| 04/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received a " Reduced Balance Opportunity '' dated XX/XX/XXXX from Convergent Outsourcing Inc. via regular mail. It referenced the following : Creditor XXXX, XXXX, Client Account # XXXX, Convergent Account # XXXX, Reduced balance Amount {$520.00}, Total amount owed {$1000.00}. " The account referenced above has been placed by XXXX with our office for collection. We have been authorized to accept payment of 50 % of the total amount owed, which is {$520.00}, in exchange for which XXXX, XXXX will recall your account and cease all collection activity. If you are interested in taking advantae of this offer, call our office within 60 days of the date of this letter. Please note that this is not an offer to accept 50 % of your debt as payment in full, but an offer for XXXX, XXXX to remove your account from further collection efforts. We are not obligated to renew this offer. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector ''. First, it arrived almost 3 weeks after the date of the letter and via regular mail. Second, it provided no explanation of the claimed debt owed. Third, it did not notify me of my rights. On XX/XX/XXXX, I wrote a letter to them asking them to send me proof of the debt, including the original agreement with my signature, a complete detailed itemized statement showing all transactions made on the account and all correspondence related to the account and proof that I was properly notified of this debt with supporting documentation sent via certified mail. I asked that if they can not provide me with all that information, that they nullify it and notify all financial institutions and credit reporting agencies and remove all negative reporting in connection with it. On XX/XX/XXXX I received via regular mail a letter stating that they completed their investigation and the debt is valid and attached a copy of a partial monthly statement dated XX/XX/XXXX. None of the supporting documentation of proof of ownership was attached. In addition, at the same time they sent me the first notification, they notified the credit bureaus that the account they claim I owe was opened on XX/XX/XXXX, that the account status is Open. As a result of this, my credit scores dropped approximately 25 points. This was before I even received the first notice from them. I find these practices unacceptable and harmful and inappropriate and they don't seem legal to me. Anyone could have come up with a copy of a bill and try to scam me. I am not accepting ownership of this " account '' and I will dispute it and pursue legal action if they do not remove this negative reporting, stop harassing me and causing me financial harm ...
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.
15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.
15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt.
15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
On XXXX XXXX by Certified Mail I disputed inaccurate and unverified information on my XXXX XXXX XXXX consumer report from XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attached those correspondences below. XXXX XXXX XXXX responded by placing a block on the XXXX file due to Identity theft in which I included a police report. I then received a letter from Convergent attempting to collect on this alleged debt. XXXX XXXX XXXX sent a response regarding my dispute with XXXX XXXX stating it was verified as accurate but they do not have access to account documentation therefore they were unable to provide any copies of documentation with my signature or how this information was verified to be able to report it on my consumer file. I requested information about who they spoke with at XXXX XXXX to verify the debt and they were unable to provide such information.
According to the F.C.R.A Sections 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) it states that XXXX XXXX signs has to provide copies of signed documentation and XXXX XXXX stated that they don't even have access. According to Section 611 ( a ) ( 1 ) ( A ) Method of Verification wasn't provided except for the fact that it was accurate and complete as of the date it was furnished to their database. XXXX XXXX didn't properly investigate this information so why are they reporting this information on my file. Lastly, XXXX XXXX didn't respond to my dispute regarding XXXX XXXX XXXX at all. This letter was included with the other two dispute letter sent by Certified Mail as XXXX XXXX did say they received it.
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX.
Concerning : Account numbers : XXXX I asked you to authenticate my debt in accordance with the Fair Debt Collection Practices Act, but all you sent me was an itemized list of the alleged sums. This violates FTC debt validation requirements.
In XXXX XXXX XXXX, the Indiana XXXX XXXX XXXX ruled : 1692g ( b ) ( emphasis added ). XXXX ' attorney XXXX sent XXXX a letter on XX/XX/XXXX, 19 days after XXXX 's debt collection letter, saying XXXX " disputes your debt collection-related claims, rejects them, and requires strict proof and verification. '' XXXX. After receiving the letter, XXXX should have halted debt collection. XXXX violated 15 U.S.C. 1692g by securing a default judgment against XXXX before mailing her proof ( b ).
XXXX argues no FDCPA violation happened because he " gave sufficient documentation of the debt [ to XXXX ] '' XXXX Response XXXX argues that an attached copy of XXXX ' consumer credit contract with XXXX XXXX is sufficient proof of the obligation under 15 U.S.C. 1692g ( b ). Nope.
The contract lacks debt proof. The publication reveals XXXX ' loan, including the 17.99 % yearly interest rate and {$2500.00} total amount. The loan agreement contains no record of XXXX ' payments, the dates of those payments, the accrued interest, or any late penalties after she ceased making the mandatory installments.
When XXXX sent the debt collection notification, the outstanding contract total was {$350.00} more than the original loan amount. XXXX violated 15 U.S.C. 1692g ( b ) by failing to get a default judgment against XXXX after XXXX contested the obligation but before XXXX mailed XXXX documentation of the debt. The trial court 's summary decision for XXXX is reversed.
My credit report still shows this collection action. You've broken the FCPDA and face fines of {$1000.00} plus actual damages and attorney 's fees, which I can recover in small claims court. The potential damage from these collections on my credit report is thousands of dollars.
Publishing incorrect information to major credit bureaus may constitute character defamation, as the negative marks on my credit report degrade my credit and prevent me from enjoying excellent credit 's benefits. The FCRA forbids erroneous information on my credit report. If you don't erase this account from my credit record promptly, you'll be fined {$1000.00}. Your legal team will certainly agree that failing to comply could put your company in legal trouble with the FTC and other organizations.
I intend to proceed with the lawsuit if I do not hear from you within fifteen days. I really anticipate hearing from you.
XXXX XXXX
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| 01/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX without warning reported on my credit report false information, that I owe XXXX XXXX, $ XXXX.and XXXX collection agency called for the sum of {$XXXX} which I paid half like a dumb, without receiving any letter, just phone call from XXXX XXXX ( something like that ) because I was scared for my credit report. As XXXX XXXX did to me without warning, letter, phone calls,, which is a shocked to me, as they are ruining my credit score.
I tried to call them and told them I switch to XXXX, from both companies, since the contract with XXXX was over and XXXX was too expansive so as you switch they could not charged me anything except for one XXXX that I already paid more than {$XXXX} since XX/XX/2016 to XXXX, plus all the charges, fees, etc with a total of {$XXXX}.
It is a nightmare to switched!
Even XXXX was a nightmare as they promised to pay the final bill but they never did so i terminated my contract for lack of network, thank God I knew that now, but still, XXXX never returned one of my devices, nor paid me, and never fulfill their add promised, with switchXXXX!!! That is why I am in a mess today with XXXX and XXXX.
But as I switched, XXXX and XXXX, could not continue to charge me, as I do not owe them anything its the reverse for XXXX, and XXXX these tremendous amount of money.
I called XXXX, XXXX, to tell them I switched, but XXXX said that my contract was signed under a lease, either I returned the devices, either I pay.
I answered I did not signed a lease, I sign a buying contract, so if your agent made me signed something else she is a fraud, and you need to find her to pay you!
Also I should had terminated my contract a long time ago ... since the law permit consumer to terminate any contracts who does not have any network, as their network tower was not working with any of my phones, as XXXX.So I had to use WiFi, for 2 years not knowing I could stopped my contract with XXXX.
So you are the one who owes me $ XXXX+ ( XXXX ) No they still say the same thing over and over. I wrote to the XXXX XXXX XXXX XXXX XXXX, and his son, but they doesn't read their emails, since its a false email, but their agents does, and call you.
Which again is a scam and a rip off, from XXXX. Cant believe the CEO as an automatic answer, saying he will help you etc. No, its all false.
So I need help please to get back my credit report clean by XXXX XXXX XXXX, who reported false information without calling me first, writing to me first, like XXXX to all my 3 credit report. I want to Sue all 3 companies to make false promises, false contract, breach of contract, ruining consumers credit report, etc : and I want all my money back! How can you help us? Thanlks XXXX XXXX
|
| 05/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HI. CONVERGENT OUTSOURCING XXXX ; I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists ... ... Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
CONSUMER ENFORCEMENT ACTION As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means.
You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.
18. Invasion of Individual and Family Privacy CONVERGENT OUTSOURCING and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under 1692k.
|
| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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For several months, I have been attempting to have a collection item removed from Convergent Outsourcing that has been reporting on my credit report.
I have never had an account with XXXX and I do not know why it continues to show up on my credit report.
I have tried disputing this information with Convergent Outsourcing themselves and they first provided me with an unknown name and address on the account. They admitted that the only thing that matched on the account was the last XXXX of my social.
Convergent refused to stop reporting this information to the bureaus, so I then reached out to XXXX ( Account # XXXX ) and XXXX ( Account # XXXX ) to dispute it with them. I explained to them that I have never had an account with XXXX and I asked them to provide proof that this debt was mine.
Neither XXXX or XXXX ever provided me with proof, but they both came back and stated that it was verified.
Because of this deliquent account on my credit reports, I have been denied for a home mortgage, and I also have incurred higher interest rates for other credit cards I have since applied for.
When I called and tried XXXX last time to have this item removed from my credit report on XX/XX/2022, Convergent Outsourcing made me pay them {$210.00} and after I made the payment during the phone call, they blatantly told me that they refused to stop reporting the item to XXXX and XXXX - even though they had just forced me to pay {$210.00} for a debt that was never even mine. I have this phone call recorded and I am happy to provide a copy of the call and blatant violation upon request.
Having this fraudelent item on my report has cost me thousands of dollars and so much heartache, and I demand that it be removed from XXXX and XXXX and I also demand {$1000.00} compensation for the FCRA violation that all three of these consumer reporting agencies made against me when they KNOWINGLY continued to report false and fraudulent information on my credit report ( and not providing a single piece of proof that this debt ever belonged to me ).
According to 15 USC 1681, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
|
| 12/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$1100.00}.
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| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$1100.00}
|
| 05/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX Law Dictionary , XXXX Edition, XXXX , defines Verify a s, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate . '' 2 ) To confir m or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the accou nt ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged acco unt ( s ), u nder oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states th at, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Sectio n 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
|
| 12/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
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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.
|
| 02/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Previous CFPB Complaint XXXX Convergent Outsourcing has sent a response letter to my CFPB complaint regarding never receiving the notice of right to dispute. In the letter they state that a validation letter for the account was mailed to an old address, XXXX XXXX, MN XXXX. they stated they were notified by XXXX that I had moved and I left no forwarding address. They state that they believe the information they have reported to the bureau was fair and accurate information, they do n't believe they violated any laws.
I moved in XX/XX/XXXX. I submitted a request for address change to the United States Postal Service. My Official Change of Address Confirmation Letter from the United States Postal Services states " Your mail will be forwarded to your NEW address, as you requested on : XX/XX/XXXX. ... MAIL FORWARDING EXPIRATION DATES : First Class Mail, Priority & Express XX/XX/XXXX. '' I refute what Convergent has stated, I received mail that has been sent to my old address at my current address under this current forwarding. I received mail the same week, XX/XX/XXXX that was forwarded from my previous address, stamped XX/XX/XXXX. I also include a piece of mail sent from XX/XX/XXXX, illustrating the success of forwarding to my home address.
I also updated my address on my Drivers License, XX/XX/XXXX, a copy of the paperwork shows the date. My current home address has also been updated on my credit report.
I should have been able to receive the initial validation notice, or at the very least, a new one could have been sent to my current address, which has been updated since XX/XX/XXXX.
Convergent has deprived me of my chance to dispute this debt or request validation by not sending the notice as required within 5 days of contacting me regarding this debt.
On XX/XX/XXXX I received a call from a representative XXXX, from Convergent Outsourcing. She asked me to verify my name and address, which I refused to do, and the caller ended the call. Convergent had ample access to obtain my current home address to send the initial validation letter and they failed to do so, violating 15 U.S. Code 1692g - Validation of debts I have contacted XXXX on both XX/XX/XXXX and XX/XX/XXXX regarding this matter and they are escalating a review of my account to the executive team, they have asked for 72 hours before a complaint is filed including them to the Attorney General for them to investigate these FDCPA violations by Convergent and they 're refusal to remove the reporting from the Consumer file. XXXX will receive a copy of the proof provided to the CFPB depending on the outcome of the escalation.
|
| 01/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XX/XX/XXXX To whom it may concern : I need assistance from your agency. Recently I applied for, and was denied a loan, due to the fact that a collection company by the name of XXXX XXXX, has placed a falsified, fraudulent collection debt on my credit files.
This XXXX XXXX XXXX, has placed a falsified collection debt with a status date of XX/XX/XXXX on my credit files, as though I have had a recent outstanding balance owed to XXXX in the amount of {$500.00}, and none of this information is true.
In XX/XX/XXXX, at the end of my contract with XXXX, I paid my last bill in full, and I have had nothing to do with that company in over 4 years.
Back in XX/XX/XXXX, my sister and I were on a XXXX cell phone plan together, and during the time that we had that plan, everything that could go wrong for us with XXXX, and this plan did.
We purchased telephones from them, and the phones were just garbage, constant issues, we were constantly trying to get assistance from their customer service, either by telephone, or we had to constantly go to one of their stores.
Finally in XX/XX/XXXX at the end of our contract, we both paid our bills in full, and we transferred to another service provider.
Supervisors XXXX XXXX, and XXXX XXXX from XXXX can verify what I have stated, my sister and I had dealings with them both at the ending of our contract in XX/XX/XXXX.
This XXXX XXXX, has never contacted me regarding this fraudulent collection account prior to them placing this fraudulent debt on my credit files.
Just a few months ago, I had to get my attorney involved, because XXXX had, had another collection agency to place this same fraudulent debt onto my credit files, and my attorney had contacted the other collection agency to remove the fraudulent collection from my credit files, or be sued.
This XXXX XXXX is tarnishing, and ruining my credit rating by placing this fraudulent collection debt onto my credit files, and I want this fraudulent debt removed from my credit files immediately, and I want hard copy proof on their letterhead that this has been done.
I would also like proof that they are licensed to collect in my state, as well as I would like them to provide their license numbers and Registered Agent documentation.
I want XXXX XXXX, to cease and desist, I do not owe this fraudulent collection debt, or I will seek legal action against them.
I want XXXX XXXX to reply directly back to the Consumer Financial Protection Bureau, and the Consumer Financial Bureau can contact me.
This foolishness has to stop, and I want the Consumer Financial Bureau involved every step of the way.
|
| 12/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
As a Federally Protected Consumer, Natural Person, and Authorized Representative for XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and perform redress compensation for your trespass against me. You are causing me damages, suffering by attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means.
The within named natural person ( *Consumer ), XXXX XXXX XXXX who is domiciled at XXXX XXXX XXXX in Florida XXXX personally came and appeared before me, the undersigned Notary Public, and makes this his statement, testimony and Affidavit of Facts under oath or affirmation, in good faith, and under penalty of perjury, of sincere belief and personal knowledge that the following matters, facts, and things set forth are true and correct, to the best of his knowledge in reference to account / stated or implied account # XXXX : I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ).
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with CONVERGENT OUTSOURCING or any of its Affiliates nor have I ever engaged in any business with CONVERGENT OUTSOURCING in the past and this trespass against me is a result of identity theft.
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement.
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above.
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
|
| 05/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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On XX/XX/XXXX i received a voicemail from this number XXXX stating they had a compaint against me and if i did not respond they would call my HR/payroll dept on file. On XX/XX/XXXX i called the number out of fear they left me to call back XXXX and spoke to a XXXX XXXX who said he was a paralegal and that they had been trying to serve me for a lawsuit regarding a credit card I had with XXXX. I told him i did not recall a credit card with XXXX and asked when it was from he said XX/XX/XXXX with it being sent to collection in XX/XX/XXXX. I still did not recall and asked why i had not been contacted sooner and he said they just got my phone number. I said they had over 10 years to send me something by mail he said they did which i said i never received. I told him to send me the stuff now. He refused and said XXXX has made the decision to pusue me legally with a lawsuit before the statute of limitations expire and I should hire a lawyer. I asked how much the debt was he said 1600 plus, I then asked why had i not been given a settlement amount he said i could settle for 900 plus. He said he would send me the settlement paperwork on Monday XX/XX/XXXX.
1. They tricked me into calling them by threatning to call my HR/Payroll dept. which is against the law.
2. If the debt is real the Statute of Limitations had already expired in Florida if the end activity date was XX/XX/XXXX like he said. So threatning lawsuit/ garnishment is banned based on the SOL. He also said the SOL had not expired so he lied and tried to scare me even more.
4. I XXXX the phone numbers and his name and it seems others have the same compaint and state its a scam.
Now, I did receive an email today XX/XX/XXXX from a company called XXXX XXXX which I refuse to open. This debt, which I dont even know is mine is out of the SOL and better not of started over because of thier threatning call to me stating they would contact my HR/Payroll Dept. Plus the verbal threat of lawsuit / garnishment from XXXX XXXX on a debt that is past the SOL is against the law.
This XXXX XXXX who claims to be a paralegal needs to be stopped. Plus he also said he was representing XXXX but in reality he is a collection company that buys debts for pennies on the dollar and then scares and scams people.
XXXX XXXX left me his personal number XXXX I would like you to pursue this as I was threatened and scared by this person for a supposed debt whose statute of limitations had already expired in Florida.
I do have the original voicemail threatning to contact my HR / Payroll Dept if you would like to hear it or have me send it to you by email.
|
| 05/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
Older American |
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I only get form letters asking for payment. They will not correct their mistake or send me proof in writing. I had XXXX service for two years, XXXX. In XXXX I returned what equipment I had and paid the final bill sent to my new address. I never heard anything more from XXXX over the next 6 years. Then on XXXX of XXXX a form type letter, from Convergent a collection agency on behalf of XXXX communications, was mailed to my same new address. I called XXXX right away to correct this mistake and was told they no longer had my file. My file had been turned over to the collection agency. XXXX had never contacted me first. I called Convergent, the collection agency, and could never get good information about what the notice was for. It took me several phone calls and numerous agents to figure out I was being billed for equipment issued in XXXX, about 8 years before I purchased the property with XXXX service. I eventually learned from convergent that equipment was issued from XXXX. I sent Convergent closing statements showing I could not have been issued this equipment in XXXX having opened my XXXX account in XXXX. My previous address in XXXX was not even in a XXXX service area. I asked that all information they had about the equipment be sent to me in writing, which I have never received. I have also asked numerous times to speak with someone that can correct the XXXX mistake and no one that could help has ever been put on the phone or called me back. I was told to send Convergent any information I have and it will be forwarded to a dispute dept. I have sent information and have contacted them numerous times with no results. I contacted them in a timely manor and sent them what I have but I am getting no where. It is only {$120.00} but I do not owe it and refuse to pay for their error. I will not be coerced by this collection agency that seems unwilling to contact XXXX and get this straightened out. All I ever get are form letters asking me to pay. My perfect credit history of 48 years has been hurt by this company. It is not right. I am a senior and feel preyed upon by this collection company, with their form letters and unwillingness to help correct the mistake.. I am very stressed and XXXX because they have lowered my credit score, will not correct the mistake and just keep sending form type letters asking me to pay it. It is not right that they can make a false claim and there be nothing I can do about it. They leave me with only two options, to pay this fraudulent claim or it sits in my credit history for 6 years and I pay higher interest rates. One way or the other I loose.
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| 06/01/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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Received a letter from XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, RI XXXX ) regarding payment due on a LOC secured by my home. In the letter they said they would " settle your account with one payment in the amount of {$1100.00} which is equal to 80 % of your outstanding balance. Upon receipt of your payment, your account will be considered settled-in-full and will notify the credit bureaus accordingly. '' Letter is date XX/XX/XXXX. I wrote a check and mailed it on XX/XX/XXXX, check # XXXX in the amount of XXXX on the FOR line I wrote " balance on XXXX XXXX ( which is the home the LOC was taken against ). On my cancelled check XXXX stamped it " received XX/XX/XXXX ''. On XX/XX/XXXX the check cleared my bank account. The amount that was suppose to be forgiven was {$280.00}. And I had been faithfully making payments.
I subsequently received a collections letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX. My daughter, XXXX XXXX XXXX, who has full POA, wrote them a response, attaching all the above mentioned documentation and mailed it XX/XX/XXXX. They never responded.
Today, XX/XX/XXXX a letter arrived in the mail from Convergent ( Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX- for mailing the address is XXXX XXXX XXXX, XXXX, PA XXXX ) demanding payment for the {$280.00} - the amount the bank indicated they would forgive if I paid the {$1100.00}. My daughter XXXX will respond to this letter as well - as I am XXXX XXXX XXXX, she now handles all of my finances.
I find this repeated contact to be harassing and a form of elder abuse. I faithfully paid the bank in accordance with their written instructions. Neither myself nor my daughter should be having to continually respond to these letters, not to mention the costs involved with writing and mailing these letters certified, return receipt. I am very fortunate to have a daughter who is a XXXX and can read and understand these documents and knows that they are false claims. Most people in my situation would think this was a legitimate claim and just pay it- thus being " swindled '' out of money that actually is not owed. It is rather unconscionable behavior- which is why I am taking the time to report these institutions - I know they will receive the letter from my daughter it will be dropped - until the bank turns it over to the next collection agency. Any help you can give to stop this situation would be greatly appreciated- not to mention stopping this practice being done to other elder people.
Thank you for your time and attention to this matter.
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| 10/04/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I ordered a 30 trial of XXXX XXXX XXXX Next is a sequence of events Aprox XX/XX/2018 i ordered XXXX XXXX XXXX ( i have email ) a 30 day trial to see if it would work in my area XX/XX/2018 i sucsessfully registred my account order number XXXX I have email I recieved my equipment and the XXXX telephone man came to verify that phone line was working, i hooked up my equipment and tested it for promised speed, streaming one tv I could not log onto my computer I called the XXXX tech line and he was helpful and told me that there was not enough speed in my area he tried to increase from his side and asked me to power down and try over the next day I did with no results XX/XX/2018 so i called back and cancelled my service they sent me a return lable to send my equipment back ( i have email ) XX/XX/018 i dropped off the equipment and i have a drop off comfirmation ( i have email ) XX/XX/2018 return complete tracking number XXXX Proof of delivery XX/XX/2018 @ XXXX ( i have email ) Starting on XX/XX/2018 i started recieving automated phone calls about paying my bill i had not recieved my bill yet in the mail I called XXXX that week and asked what was the issue i only had the service for three days before i canceled the thirty day free trial the person on the phone said she could see where i cancelled my service and that i needed to wait for the final bill The first bill came first week of XX/XX/XXXX days after ordering for XXXX dollars I called again the second week of XXXX after multiable auromated calls to me about my XXXX bill being late again the person on the phone said the same thing that they see where i canceled after three days and that i should wait for the final bill The third week i was still getting automated calls from XXXX about my bill so i called a third time and asked why and again they said just about the same thing wait for the final bill this time i asked if they could at least turn off the daily automated bill collecting they said yes and that stopped Thank goodness Now the forth week of XXXX i recieved a threating call from XXXX XXXX debt collection, i refused to speak to her because of her attitude and i was at work At the end of the forth week of XXXX i recieved another call from convergent a very nice man and i told him the same thing i have stated here and he said he would send it back to XXXX with my statement, Last day of XXXX i recieved another XXXX bill for the same amount XXXX Three days later XX/XX/XXXX i recieved a bill from convergent To the best of my knowlege this is a true statment of facts Please help me take care of this
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| 07/10/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This collection is from XXXX. I originally canceled my phone account with them when I switched over to XXXX XXXX XXXX back in XX/XX/XXXX. I thought everything was good to go, but a few months later, I noticed reoccurring charges coming from XXXX, even though I was no longer using their service. I canceled my card so they would stop charging my card and I went into a XXXX store, talked to an employee and they told me that I had to call the customer service number because she could not help me in store. I called the customer service number, was waiting on hold, and on the phone with XXXX Customer Service for multiple hours. After explaining to them what was happening, I kept getting transferred to different people in different departments, and finally I asked if it was possible for them to use the charges from what they've charged me to pay off the phone that was on a lease. She said that she would look into it and have them call me back within 72 hours to tell me if that was possible, but a refund would be issued and my account would be canceled. They could see on their end that I hadn't used my phone accounts with them since XXXX so there should be no charges at all minus the payment of what the rest of the phone would be on the lease, which was still less than they were charging me, so I should have gotten money back. I didn't hear back from XXXX, so I assumed that it was taken care of and my account was canceled. This was back in XX/XX/XXXX. Since then, I have moved to a new address, and did not know they were still charging my account because I was no longer with the company. I recently ( today XX/XX/XXXX ) tried applying for a credit card since my score was a XXXX on XXXX XXXX, and showed 0 hard inquiries and 0 collections. It said my approval odds for the XXXX XXXX XXXX credit card were very good, so I applied and got denied. After this, I immediately called the reconsideration hotline to explain why I wanted the card and that I have great credit and I didn't understand why I didn't get approved. After looking at my full credit report, the agent said that I had a {$610.00} collection, and this was the reason I got denied for the credit card. When she told me this, I had NO idea that I had a collection because I have not received any calls from collection agencies nor any mail delivered to my home showing my collection amount. I had no idea where this collection came from. I made an account with XXXX today, and I was able to see that the collection came from XXXX which is not what I owe. If anything, they owe me money for billing extra months.
|
| 09/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is a duplicate debt that has already been disputed and deleted off of all three credit bureaus by previous owner of debt. This debt was disputed and deleted through the consumer financial bureau. The case number is XXXX. The correspondence is below : I have filed a complaint with XXXX before regarding account number XXXX Please be advised this is my FINAL ATTEMPT to resolve this matter In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( 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 Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. If your office fails 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. 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 computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action
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| 04/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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On XX/XX/XXXX I went to a XXXX store to start a new service to take advantage of a special offer as I already had mobil phone service with XXXX XXXX XXXX.
The customer service representative signed me up for the special offer. I specifically asked him if I could cancel and get a refund of the initial $ XXXX dollars. He said yes as long as I did within 14 days. I explained to him that we live in a rural area of XXXX XXXX county and that even though your coverage map includes our area some cell phone services do not work there. Our XXXX XXXX XXXX service works very well at our address and I was only trying to take advantage of a really good deal XXXX was offering at the time.
So I started the service and when I got home I found out that the service was almost useless because of the in and out fade with only one bar of service showing on the phone. A few days later I returned to XXXX to shut down the service and get a return of the deposit and stop the auto pay that was initiated on my credit card to pay for the reoccurring monthly charges. I explained to the service representative that the service does not work well enough at my home and wanted to cancel and get a refund. He cancelled the service and returned the deposit to my credit card account. Everything was fine except the reoccurring monthly charges started showing up on my credit card.
I talked to the XXXX store about this problem and they told me to call XXXX service.
I called XXXX service and explained to the service rep what had happened and she told me it was taken care of. The charge reoccurred again the next month on my credit card so I disputed the charges to my credit card company and had them stop the reoccurring charges to XXXX. My credit card company refunded the charges and stopped the reoccurring charges. Good, so I have gotten my money back and everything is fine.
Not really. XXXX referred my account to a collections company. I called the collections company and disputed the charges. OK. Not really. They referred the account to another collections company and that is where I am at right now. The second collection company for the same reoccurring charges that should have never been. I have no intention of paying these charges of {$210.00} and I will dispute them again but it seems to me there must be something wrong, even criminal about this. The current collection company is : XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX , WA . XXXX Dated XX/XX/XXXX Convergent acct. # XXXX Client acct # XXXX Hope there might be something you can do about this.
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| 07/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Upon returning to the US after a trip abroad in the Fall of 2022, I began to receive multiple calls about a {$200.00} payment that was claimed I owed to XXXX.
My account with XXXX has always been on auto-pay, so I accessed my account information to verify that all payments had been made and that no additional payment was owed. All payments had been made and my XXXX account showed no amount due.
The calls kept coming.
Worried about possible scam and theft connected to the possibility that my financial information might have been compromised while I was overseas, I stopped taking the calls from the " company '' claiming that I owed them {$200.00}.
Approximately 2 weeks ago, I was notified by mail by Convergent Outsourcing that my lack of payment had been turned over to collections. Shortly after that, I received notification from XXXX of the same thing. My credit history was changed to show a new account opened by Convergent Outsourcing and my credit rating was reduced as a result.
I spent yesterday on the telephone with multiple call center representatives at XXXX and found that there was no amount owed as claimed by Convergent Outsourcing. When I tried to contact Convergent Outsourcing by telephone, they let me know that they were closed for the day ( yesterday ).
Prior to calling Convergent Outsourcing, I had accessed their website and tried to start a complaint using that method. I provided contact information including my email address and pressed " XXXX. '' When I did so, the only change to the screen was a notification in red stating that I had provided an incorrect email address. I had not, it was correct, but the screen never changed.
To my surprise, I received XXXX ( XXXX ) emails from XXXX overnight letting me know that the dispute I had initiated yesterday had been culminated, the issue resolved, and my credit rating restored. Again, it all happened overnight and after Convergent Outsourcing let me know that they were closed for business for the day.
This is nuts. Had I not stayed on the phone for hours with call centers in multiple locations and then trying to submit information on what appeared to be a non-responsive website with Convergent Outsourcing, this issue would still be pending.
It just looks way too easy to extend a false claim all the way from initial contact to credit report impact if this is how simple it is to resolve what turned out to be a false claim.
So, what happens to Convergent Outsourcing for submitting a false claim? Will they pay me for my time to correct their mistake?
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| 04/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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years ago ( XXXX and prior with no negligence was the last payment made, and may have been before XXXX ) i used XXXX for my cell phone company. i decided to change phone company 's due to the price difference. i called XXXX and let them know and they then shut my phone completely off after paying the last months bill. XXXX then continued to bill me on a monthly basis until the bill got up over a thousand dollars, even after calling them numerous times and kept explaining that i no longer use them and the phone was not even working any longer, and i am not paying for a service that is no longer in service, and i am not paying for a bill, i did not use while being billed. XXXX held on to the continued bill for about numerous years trying to get me to pay for something i continued to tell them i did not owe. On XXXX of XXXX I had a credit check done on me in order to move into a new apartment and found that the phone bill was on my history and also indicated that the status was closed, but opened XXXX of XXXX , yet with a current balance of {$1300.00} but was through a different collection agency other than XXXX . ( i have a copy indicating the different dates and totals from the managers where i currently live ). I never made a payment on this bill because I did not owe it ... The date is now XXXX / XXXX / XXXX , and had my credit checked again in order to move in to another new apartment and my report stated that another third party agency, " Convergent agency '', has now taken it over and says it was opened was on XXXX , with a balance of {$1100.00} ( i never made a payment on this ) falsely showing both a price indifference and indicating to the new apartment that this bill is only a year old. When in fact, the bill is past the statue of limitations for Minnesota where i reside ( 6 years ). Due to this illegal action through the third party " Convergent '' , I will not be able to move in to a new apartment unless this is resolved immediately. ( there is absolutely no felony or misdemeanor, nor do I have any debt ... a clean record ) I tried to call convergent and got a loud noise in my ear and the phone call ended ( it was not a fax number ).
I called T-mobile and the only information they said they had in their computer was that it was given to " Convergent '' on XXXX XXXX , XXXX . Which shows another lie typed on my report done by convergent, saying it was opened on XXXX ( that alone is a almost a 4 year difference from when XXXX claims they gave it to them ) .
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| 12/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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After reviewing my consumer report, I identified a discrepancy with an account listed under Convergent Outsourcing XXXX this alleged debt was furnished from another third-party debt collector by the name of XXXX XXXX in which, the item was removed from my consumer report based on reinvestigation which is conclusively an admission of guilt pursuant of the FCRA and FDCPA.
As a consumer, Convergent Outsourcing is reporting false and inaccurate information to various consumer reporting agencies regarding an alleged account ( XXXX ). Furthermore, just to provide clarity on this alleged debt I was notified on XXXX XXXX via email from XXXX XXXX introducing the company and explaining that they had taken over an account with the claim that my current balance was { {$510.00} } ( 1 ) I have never owned any alleged account ( 2 ) I have never provided written consent to be sent to a collection agency ( 3 ) I have never received any validation documents from Diversified Consultants/Convergent Outsourcing because neither account is mine ( 5 ) I have never agreed to XXXX XXXX or Convergent Outsourcing furnishing information.
At this point, XXXX XXXX was clearly removed from my consumer report and I expect the same results with Convergent Outsourcing because the information exhibited on my consumer report reflects another attempt to collect the same alleged debt, This is clearly a violation of 15 U.S.C.1692c ( a ) by attempting to communicate with me about a debt without my consent. In addition, Diversified Consultants and Convergent Outsourcing are in violation of 15 U.S.C 1692d ( 2 ) in which, XXXX XXXX and Convergent Outsourcing have continuously engaged in conduct to harass me in connection with the collection of an alleged debt that isnt mine by utilizing obscene and profane language, Furthermore, XXXX XXXX and Convergent Outsourcing are in clear violation of 15 U.S.C. 1692e ( 10 ) in which, their attempting to utilize deceptive practices to bill consumers and fail to accurately clarify the misrepresented information and attempting to use false legal notification as a means to collect or attempt to collect any alleged debt. In addition, to 15 U.S. Code 1681s2 In closing, please reply with your response via US Mail. Do not contact me by phone as it is inconvenient. Do not contact my family or acquaintances in any manner. Please note that I am fully prepared to pursue my rights as a consumer for the damages, mental anguish ( stress ), and losses to me due to this account not being mine ( declined and decreased credit ).
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| 09/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi and hope you're doing well during this Covid-19 pandemic? Be safe! Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before for XXXX bill for {$1200.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 04/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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|
Web |
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Hello, I have been contacting this company for well over a month and spoken to numerous representatives and managers to resolve the debt. Everyone lies and transfers calls.
Since XX/XX/XXXX, I have faxed, called, and emailed over 30 times getting the runaround, hung up on, misinformation, confusion, and incompetent stall tactics. I spoke with a manager XXXX handling XXXX accounts who assured me that since I lived in the state of New York, I had to email a statement saying I gave Convergent permission to email me and we agreed I would settle this account for {$250.00}. I emailed immediately while she was on the phone to a # clerks email. I called the next day as she requested so I could pay it and interestingly when I asked for the same manager she was " in a meeting ''. Then I called that afternoon and reps hung up the phone or transferred me all over the place. ALL I WANTED TO DO WAS PAY. Who does this to someone just wanting to pay?
They never sent the invoice as THE MANAGER told me that department would so I could have proof of what we agreed before I paid. Another week goes by with me calling and still no resolution. She even tells me there is SEPARATE UNNAMED DEPARTMENT that I can not communicate with who handles email correspondence. Yesterday, I coincidentally got transferred to XXXX again, reminded her who I was and reminded her that nothing she told me was true. She then tells me they have a NEW EMAIL ADDRESS and that she gave me the wrong one 3 weeks ago! I was stunned. So I email that account 3 times - XXXX - how convenient that a new email address pops up.
I paid off this debt XX/XX/XXXX in good faith with XXXX and STILL HAVE NOT RECEIVED A RECEIPT stating this matter is settled TO MY EMAIL.
TODAY - I was just put on hold at XXXX XXXX this morning, XX/XX/XXXX as I am writing this. The representative said she had to figure out what department sends receipts???? I was on hold for 15 minutes and I hung up because I knew from experience that rep was not coming back to the phone.
This company is evil and corrupt. How long does it take to send a 30 second email? I want my receipt so I can move on with my life and never have to deal with this company again. They should be shut down. They have no corporate numbers to call and bogus websites, and all this confusion. I can't believe this company is allowed to be in existence with all the negative reviews and complaints all over the internet.
Disclaimer : This debt is under my maiden name, Do not let them say they can not find me.
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| 08/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am disputing this debt because I know that the amount is wrong and the account with XXXX was closed on XX/XX/XXXX, XXXX. I started service with XXXX XXXX in XXXX of XXXX and had 2 years to pay off the new phones and before services could be cancelled. The phones were paid off in XX/XX/XXXX despite one of the lines not being in use for over a year because of a lost phone. I called XXXX to cancel my service in XXXX of XXXX and it was officially cancelled on the XXXX. I never received any type of communication from XXXX that any money was owed or a final bill notice. Towards the end of XX/XX/XXXX, I received a collection notice in the mail regarding this account. I called XXXX customer service several times and was unable to get any information or this issue resolved because I had forgotten my passcode for the account and was told I had to go to a store to get this resolved. I went to the store located in the XXXX outlets in XXXX, GA on XX/XX/XXXX and was assisted by an employee named XXXX XXXX. XXXX called up customer service and was on the phone for over an hour trying to get this resolved. There was a female customer service representative on the phone and said that no money was owed, and the issue was resolved. A few weeks later I received another collection notice, and the amount was higher. I called up convergent on XX/XX/XXXX and explained the situation. I was told by the male rep on the phone to call XXXX and that a rep would assist me over the phone. I called XXXX again several times and kept being told that no information could be discussed without the account passcode. I went back to the XXXX store in XXXX on XX/XX/XXXX and spoke with the XXXX named XXXX XXXX XXXX I came in distressed and left in more distress than when I arrived. The manager was rude and by his physical body language he clearly did not want to help me. He told me it was out of their control and not to worry about it. XXXX XXXX happened to be there this day and I asked her to explain what happened when I was there last month. So the manager finally agreed to call customer service. After doing his research per XXXX XXXX XXXX I was still being billed for the second phone line and that there was no evidence that any bills were sent to me or any type of notifications. Per XXXX XXXX XXXX since I had already transferred to another service to not worry about this issue. After this visit at the store I received a third collection notice. How can a cell phone company justify billing a customer after they close their account?
|
| 05/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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I've been receiving repeated calls from a call center ( Convergent Usa : www.convergentusa.com ) that uses multiple numbers to get around spam filters. When I pick up the phone, there is no sound until I make a noise, and then I am forwarded to their call center where they pick up and automatically know my name. They demand that I confirm my name and provide information confirming who I am. They will not tell me what the call is about, how they got my number, or what their company does. I have asked for their business license to confirm that they are who they say that they are, but they won't give it to me. They say it's company policy not to give any information until they have confirmed my identity. Now, I'm trying to pay a debt to XXXX. When I call XXXX their phone tree connects me to an unknown number that someone picks up and says " this is the wrong number, call XXXX ''. So I do that, and I end up back at the call center that's been calling me. I've talked to a supervisor and informed him that it's against the law to call for debt collection and not state you are a debt collector before any communication. Yet XXXX XXXX, the supervisor I talked to said he still will not provide any information about his company. So my question is how can I pay my debt if I can not confirm that this company is legitimate? It's a direct violation of the Fair Debt Collection Act if indeed they are trying to collect a debt XXXX XXXX XXXX XXXX : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Of course, Convergent USA did not confirm with me what their company does, but their supposed website does have a payment portal, which indicates to me that debt collection is something that they likely do. XXXX XXXX also offered to take my number off of Convergent 's call list still without informing me what he was calling about. If this really is an attempt to collect a debt, I would want to know before you remove me from the list! How can I even pay my debt if this is the company that has it and they won't identify themselves?? Very very shady.
|
| 04/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
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XXXX sent me bill dated XX/XX/2023.
They took an automatic payment ( XX/XX/2023 ), from my bank acct on XX/XX/2023 for 2 Cell phones. The amount taken was {$140.00}. This was a reg. payment just before I moved.
I moved to XXXX on XX/XX/2023 with the number ending in # XXXX and moved the # XXXX number by XX/XX/2023 from XXXX to XXXX. Start move date to XXXX was XX/XX/2023 and last move date was XXXX.
By XX/XX/2023 I was mailed a collections bill from XXXX XXXX XXXX XXXX
Called XXXX today ( XX/XX/2023 ) but they would give any info on the past account because I need a XXXX XXXX with XXXX digits. I do not have this XXXX Code so they said I need to go into the store to reset the pass code. I told them do to the pass experiences I was not going in their stores. The female said I can't help you with any info. I said I have an account number on this bill, she said no can't use the acct #, I have the ( 2 ) transfer pin & transfer codes but she said I need you to go into the store to get a pass code on your account. I said, I can't go into the store and don't know what pin you are taking about. She did not even want the security questions answered...... okay ... Called the called the Collections company. # 1 ) the collections company gave me the itemized amounts of why they are charging XXXX # XXXX ) # XXXX ) XXXX needs to send me the proof that I owe {$340.00} because they got my account from XXXX plus XXXX has been over charging me for more than 2 years. # 3 ) XXXX owes me money due to many factors # 3 ) itemize why I owe {$340.00} when my account was moved to XXXX XX/XX/2023 XXXX # 4 ) I went in XXXX store in XXXX XXXX XXXX XXXX and XXXX a ( less expensive secondary phone ( about 2 years ago ) paid for the phone in full About {$200.00} w/o tax ( # at that time was XXXX ) model # XXXX, XXXX # XXXX ) XXXX XXXX XXXX. The person said she was a XXXX, took my debt payment but when the bill came out I was charged about {$35.00} a month for XXXX years. No one would help me with this over charge ( for the phone ) on my bill about. There was monthly billing charge and insurance charge. Please send me the itemize charges for # XXXX plus the itemize docs when the cell number was changed to XXXX. These over ( on the secondary # ) charges is one of the main reason I left XXXX. # 5 ) Don't like dealing with crooks. Again XXXX owes me hundreds of dollars. I wish the CFPB knowledge and assistance had been available to me sooner. I am a senior and will not be a financial victim any longer!!!
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| 06/14/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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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.
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| 08/02/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi Convergent Outsourcing Inc ; / XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 06/30/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi CONVERGENT OUTSOURCING, INCXXXX ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 06/22/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HI COI ; XXXX ; : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
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| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE!
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
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| 02/21/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been working to gain clarity of a matter with Convergent Outsourcing since I first received correspondence from them in XX/XX/XXXX. They sent me a letter dated XX/XX/XXXX that resembled a paper check from the outside of the envelope. Once opened, there are several different mailing addresses listed on the letter with repeated mention of XXXX XXXX XXXX, XXXX WA for accepting payment, the same address solely listed on the envelope without a business letterhead or address. After sending a debt validation letter, it was over 42 days before I received a response claiming a verified debt with attempts to collect, almost two weeks past the federal law limit.
The documents received did not outline liability for the debt nor did I receive detailed information including proof of legal status to run this collection account, per my requests. I did my own investigation and learned that not only is Convergent Outsourcing 's po box address is not listed on their foreign business license in the state of Nevada ; but the information that I asked to be provided and had to find out on my own is unfair and inaccurate. Everything mentioned constitutes FDCPA violation also breaking Nevada state law. ( NRS 649-370, NRS 649-375 ( 2 ) ( 4 ), 15 USC 1692e ( 2 ) [ a ], 15 USC 1692f 808 [ 1 ] ) According to my records, after sending an initial debt validation letter XX/XX/XXXX, Convergent Outsourcing received my request letter XX/XX/XXXX. The letter I received back is dated XX/XX/XXXX but postmarked XX/XX/XXXX. This is another deceptive practice to attempt too collect upon a debt not owed. On XX/XX/XXXX, I sent a letter requesting further detailed information again regarding this purported debt noting the clear FDCPA violations already made. However, 30 days later and I haven't received a response.
After reaching out in accordance to the FCRA, requesting verification of this account and demanding proof of legal rights to furnish confidential and personal information, Convergent Outsourcing has failed to follow up or give any details into their erroneous ways in a timely fashion. This account is linked to fraud activity/erroneous reporting from ( XXXX XXXX ), which is currently reporting on my credit. I need correspondence for my records to correlate the facts of this inaccurate matter and Convergent Outsourcing has made it beyond difficult to maintain proper recordkeeping by attempting to collect a debt under deceptive practices as well as unethical business structure.
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| 04/09/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have now been contacted by five ( 5 ) Collections Company in this regard over the last 2+ years. Without trying to be rude, I HAVE NO DEBT!
I do not know why they are contacting me but but I have asked them all to cease immediately. I have no outstanding balance to XXXX and have already supplied them the information for it. I was contacted by XXXX, XXXX on XXXX and disputed it with them and then supplied the following information and they closed it. Then on XXXX, I was contacted by XXXX XXXX and supplied them the same information and they closed it out. Then on XXXX, I was contacted by XXXX XXXX ( XXXX ) and supplied them the same information via their website and they closed it out. Then on XXXX I responded to XXXX XXXX XXXX via their website with the same information given to the previous three companies. Now I have received another debt collection letter from Convergent again for same debt that I do not owe. I tried to call them today since they do not have online disputes and after talking to Representative, XXXX, and explaining everything, she told me I needed to hold on and then disconnected.the line. I waited and received no call back so I am on the line now for over 30 minutes minutes and finally got XXXX. Now after explaining the story again and asking not to be contacted anymore as this is harassment, she told me she had to get more information and then for 2nd time the line disconnected. I just contacted XXXX XXXX XXXX who has my home phone land line service. They verified no interruptions and the call was dropped on Convergent 's end.
I have all the previous letters and am not wasting my time going back over the same information I have with the previous four ( 4 ) collections companies when they are the fifth company pursuing a false claim. The mistake was on XXXX 's part and not mine. They acknowledged this in 2017 when I escalated it to a manager and was told then I had no debt and did not own anything because I was not under contract and had not been for many many years ... ..
This is harassment on both you and XXXX part by continuing this as I have proven my " No Debt '' on four ( 4 ) previous occasions. I have told them all if they contact me again or pursue any further actions based on this false issue it will be handled by every legal step available to me by law and venue. Regardless of this, they ( XXXX ) just sends another company.
Please help me end this or tell me the legal avenue to pursue. It has to stop.
Thank you.
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| 10/28/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 10/30/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
Rescission of Contract.
Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : XXXX XXXX XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 10/30/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
Rescission of Contract.
Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 11/12/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
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TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX REF : XXXX/XXXX XXXX XXXX, Georgia AMOUNT : {$300.00} FROM : XXXX. XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ).
XXXX XXXX XXXX. XXXX, Georgia XXXX ( XXXX ) XXXX XXXX I have left several messages with no responses from this company. I have told this company this is not my account, and I dont have a clue where this originated from. I have sent them a police report to substantiated I had identity theft, and this is not my account. I need to hear their lousy excuse why are they making me suffer. I need for them make an informed decision regarding this claim that I owe this money. They can not!!!
I am extremely distraught by this companys defilement of another Veteran credit report. I am open to communicating with you for this purpose, only! In order to make sure that I am not put at any disadvantage, in the interim, please consider this debt as being in dispute, not mine, and dialogue amongst us. The federal Fair Debt Collection Practices Act ( FDCPA ) offers consumers protection in contradiction of excessively antagonistic debt collection actions by collection agencies like yours.
This company has violated federal law in its dealings with me. Is it conceivable you could get your companies ( XXXX XXXX XXXX ) to remove this unlawful, and illegal stain off my credit report? In nearly 50 plus years dealing with any companies, I have never been so victimized and wronged so severely about an account that is not mine. I have left several messages with no responses from your employees. I have told your company this is not my account, and I dont have a clue where this originated from.
Your company has forced me to report you all to our government agencies, and I have given them revelations to your violations, using unfair, and illegal credit bureau reporting tactic regarding a debt that doesnt belong to me, sadly. I do not appreciate your process, and the way your company trying to strong arm me, and then have implemented a deceptively, quixotically, and unlawful assault on my character.
This is a sneaky way to justify your company qualification without concrete evidence, and using deprived services ; I am writing today to complain of the unprofessional service I received in this un-forgetful process. I only wanted to get a V.A. Loan after I sacrificed my life for this country with honorably behavior. They have besmirched my character and knowing, I live in whole another county in Georgia.
|
| 10/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
Hi XXXX / Convergent Outsourcing Inc. ; Listen, I was reviewing my credit today and noticed a collection account from a phone company that i never had before, plus when i called they have it under a DOB of XXXX, but my DOB : is XX/XX/XXXX. I also have it on an address that doesn't even belong to me, plus i been outside the country for 14 years - I just came back into the states in XXXX of XXXX. You are reporting false information and would like this to be removed from my credit report or any internal record.
Again, I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Good Evening / and Happy Holidays! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 02/27/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom it may concern I am being harassed by debit collectors for an amount of money I don't owe to XXXX XXXX.
XXXX USD Collector name : Convergent and previous collector name is XXXX XXXX XXXX Timeline : *I previously used to live in XXXX- XXXX and had internet service provided to my by XXXX ( only Wifi, no equipment, cable or installation ).
*In XX/XX/XXXX I left my apartment in XXXX and moved to XXXX- XXXX. Before leaving my previous residence I called XXXX and disconnected my internet service. I moved out of my apartment on that day and made sure that my internet got disconnected through my online account. XXXX employees I spoke to later confirmed that the internet was disconnected on that day *I was under no contract when I disconnected my service on XX/XX/XXXX. I was paying XXXX USD a month for a speed that cost me XXXX USD a month before my contract expired many months prior to me moving out. The reason I didn't renew my contract that year is because I knew that I will be moving out of my apartment on XX/XX/XXXX *I was not aware of any issues until XX/XX/XXXX when I received a bill in the from XXXX stating that I owe them membership dues + late fees to a total of {$180.00} despite the fact that the internet has been disconnected since XX/XX/XXXX. I also was not under ANY legally binding contract since my contract expired months prior. The internet got disconnected but the bills kept coming without my knowledge!
*I spent hours holding on the phone and trying to beat XXXX annoying automated phone maze. Every time I call them and when someone finally replies they would tell me that a person from their financial department will reach out to me but no one ever did. This predatory behavior has caused me a lot of distress *I was contacted first by a creditor XXXX and after spending an hour with them on the phone explaining the situation, the issue was resolved a while later and the account was closed.
I can provide you with the account number and all the details to verify that by yourself *XXXX has now sold the debt to another creditor called Convergent who are now harassing me by wanting me to pay the amount mentioned above. I wonder how many times do I have to repeat this story. I am getting tired of this.
*Please note that my credit score is +780 and that I have never missed a payment in my life. This is a matter of principal to me and I won't allow XXXX to bully me like this.
Thank you very much for your help.
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| 02/11/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a claim from XXXX and Convergent for amount owed of {$220.00} with client account XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This claim is incorrect and not owed.
Convergent Outsourcing XXXX XXXX XXXX XXXX, WA XXXX Mess started when I tried to cancel XXXX XXXX services XX/XX/XXXX for final billing and cancellation. I had been with company for more than 8 years with on-time payments. Rates increased again, so I decided to change to competitor.
Called again XX/XX/XXXX for final billing, cancellation and status of return packaging for the DVR.
DVR Box confirmed received by XXXX XX/XX/XXXX. Confirmation XXXX XXXX XXXX XXXX
Received another bill from XXXX. Called XX/XX/XXXX to cancel yet again. Proration clarified for {$170.00}. I paid amount owed on XX/XX/XXXX to XXXX.
Received another bill from XXXX. Called XX/XX/XXXX. Agent claimed account active and I signed up for another 2 years of services. Agent claimed cancellation fees owed for early termination. I responded why on earth would I return my DVR box and cancel my service, and then agree for 2 years of new service? The XXXX agent supposedly adjusted my account.
Yet another bill received. I called XX/XX/XXXX. Agent noted confirmation XXXX XXXX XXXX XXXX XXXX for cancellation XX/XX/XXXX. Submitted complaint to Better Business Bureau via online service.
Another bill received from XXXX dated XX/XX/XXXX. Called yet again to Financial Services Department of XXXX, spoke with Sianthia XXXX XX/XX/XXXX after bill received. Agent stated {$0.00} balance on account and paid in full. Letter would be received in 3-5 days.
Received letter from Convergent dated XX/XX/XXXX stating {$220.00} owed. Agent clarified that XXXX owns the debt, not Convergent. Provide backup by fax XXXX and email XXXX. Agent clarified that once letter received from XXXX, then Convergent will close out. I faxed XXXX confirmation that account closed.
XXXX XXXX debt collection agency sent letter XX/XX/XXXX. Replied back with mailed copied of XXXX close out letter.
XX/XX/XXXX Convergent letter received yet again attempting to collect on closed amount.
Advice to others is to return any DVR box and equipment to a person in a XXXX store, no matter how inconvenient the location or timing. Receive receipt for equipment and {$0.00} owed. Returning via equipment return box provided by XXXX XXXX is NOT sufficient action and will result in more than a year and tens of hours of wasted time.
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| 12/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I switched from XXXX to XXXX back in XXXX 2015 and switched XXXX lines I had with XXXX. XXXX agreed and plan was to pay any early termination fees or cell phone fees owed to XXXX just to transfer to their company. After I changed all XXXX lined to XXXX, the rep told me I needed a bill from XXXX showing all XXXX lines remaining balance owed for each phone. I right away took in the XXXX bill which showed the balance for each line. The rep that assisted me that day denied the bill. He said the bill must also show the phone numbers for all the numbers. The bill only shows the last XXXX numbers I believe. XXXX should know I transferred XXXX lines from XXXX and the bill shows XXXX lines, it 's a no brainer! I left and asked XXXX to print me a bill that displayed the phone numbers next to the balance owed per line. XXXX mailed me a bill that was pretty much miring the last bill. This went on for months, back and forth with XXXX and XXXX. XXXX kept rejecting my bill which they would n't process for payment, which meant I could n't pay the balanced owed on my XXXX account. XXXX would n't print the bill in the format XXXX reps were requesting, even though when I would call they would say they would do it but when the bill came in the mail it was not in that format. I was so tired of the calling game to XXXX trying to get the bill the way the XXXX 's rep was requesting, mind you, XXXX never tried once to submit the bill to see if it would get processed and paid. Then XXXX day I get a letter stating I was sent to collections. I was devastated, upset, in shock, etc ... I have XXXX, and instantly it made my XXXX and I got really ill. I was sick in bed for almost a month, till this day my XXXX but I can work. I have so much XXXX that I get XXXX everyday. It 's just not right! I own a home, so for me/us it 's a big deal because if I/we want to refinance, it will have a big impact due to my credit score dropping due to the negative mark given from XXXX. I trusted XXXX blindly to pay XXXX for the balance of my XXXX phones timely, that 's why I switched with no worries!
I was treated unfairly and wrongfully by XXXX and XXXX. I strongly feel this negative mark should be removed from my credit score because I did n't do anything intentional or wrong. I was doing everything I was supposed to do and did everything XXXX and XXXX instructed me to and timely. How did that lead me into collections? That is just so wrong! Please help me!
Thank you!
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| 06/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 08/21/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter from Convergent dated XX/XX/XXXX on XX/XX/XXXX, for an outstanding debt for a XXXX account that I never opened. I believe I am a victim of identity theft and have been trying to rectify this issue with XXXX directly. I reached out to XXXX asking for proof of substantiation, in which they forwarded me via phone call to a separate debt collector, XXXX group. I mailed a letter sent by certified mail to XXXX XXXX requesting proof of substantiation, in which I received no reply. When calling XXXX group, the representative said they no longer had this debt in their possession. When calling XXXX asking for information about this account to be emailed or mailed to my actual personal mailing address, the XXXX representative said they could only mail or email documentation to the personal information noted on file, which is not my email address ( XXXX ) or my personal mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ). The XXXX representative told me to file a police report with the local authorities if I believe the account was opened via fraudulent terms. When going to the police station XXXX New York XXXX Police Department XXXX XXXX in XXXX, NY ), the police officer stated that I must provide proof of substantiation from XXXX in order to process the police report. As I have absolutely no paper or electronic documentation of this account, I have been unable to submit a police report. The only paper mailing with the account number stated that I have received to my actual mailing address ( where I have lived since XXXX ) has been this notice dated XX/XX/XXXX, which I received in my mailbox on XX/XX/XXXX. In order to file a police report, I need actual notices and letters from XXXX, not Convergent, stating my claim for being a victim of fraud. I have a separate XXXX account ( # XXXX ) which I am enrolled in XXXX and have been paying on time each month since I moved to XXXX, NY in XX/XX/XXXX. I am not sure how the fraudulent account ( # XXXX ) was opened using my name and SSN, and false personal information that is not tied to me in any way ( email, phone number, mailing address ) and would like to request proof of substantiation of the account being opened, proof of information they used to open the account, proof of collection of debt, and any additional information that can be provided so I can file a police report. I am disputing this debt and will not be providing payment for a fraudulent account.
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| 11/01/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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In early XXXX I called XXXX because I wanted to close my account and unlock my and my husband 's phones so they could be used with our new carrier.
I spoke to several agents online, and they informed me that there was a {$480.00} balance that had to be paid first before they unlocked our phones. I paid the balance right then, as I was talking to them in an online chat, and they confirmed my account was now {$0.00} and that it would take 24 hours to unlock our phones and they would be unlocked and ready to use with a new SIM card the next day.
I SPECIFICALLY verified with them that both my and my husband 's phones would be unlocked and ready to go, and someone claiming to be a supervisor confirmed.
The next day, neither phone was unlocked, so I engaged with them again. This time they SPECIFICALLY confirmed that my account balance was {$0.00} and that my account was canceled. This was in chat, so they should have a transcript. They apologized profusely, and since I needed my phone for work, they this time successfully unlocked it.
The problem was that they did not unlock my husband 's phone, even though I specifically asked whether the account was closed for both phones and so I had to engage with them again. But during that conversation, they once again confirmed that I paid everything that needed to be paid.
In none of those conversations was anything mentioned about an extra balance, or even the possibility of us owing any more money. They SPECIFICALLY confirmed in conversation 2 of 3 that my balance was {$0.00}. Then they began sending emails demanding {$360.00}. I called to find out what was going on and why they were claiming I had a balance even though they confirmed there was no balance, the account was closed, and that no more money was owed without informing me of any kind of possibility of extra charges. The person I spoke with said they would raise the issue with their supervisor. I thought that was the last I would hear from them. But they continued sending emails and then they got a collection agency involved, which is now impacting my stellar credit score.
I contacted Convergent, which is apparently the collection company XXXX is using . They asked for my side of the story, then within days said, " Nope, you lose. Pay XXXX. '' I have had zero insight into what kind of information they used to determine that I owe XXXX anything further, and there has been zero transparency into the process.
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| 05/19/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 10/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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I am an XXXX service member. In either XX/XX/XXXX or XX/XX/XXXX I received a collection notice from Convergent Outsourcing, who 's address is somewhat confusing and seems to be in violation of the 3rd party notification in the FDCPA section 807 ( 14 ). Meaning the return address is from XXXX in XXXX, XXXX, yet an address for Convergent Outsourcing is also printed on the notice with a XXXX, XXXX address. The complaint I have is that the collection that they are trying to collect is fraudulent and was proven so by the State Attorney General ( SAG ) in XXXX XX/XX/XXXX. In my response to that first notice sent by Convergent, I told them that the claim by XXXX had been investigated XX/XX/XXXX along with many others by the State Attorney General in XXXX after I was contacted by Asst SAG XXXX XXXX ( XXXX XXXX, XXXX office ), after the SAG launched an investigation due to a news cast done by XXXX XXXX in XXXX, as many XXXX residents had complained about receiving collection entries on their credit report from XXXX for accounts they did n't have. XXXX XXXX contacted me personally because although I was unaware of the XXXX XXXX broadcast, I had just submitted a compliant to SAG concerning XXXX after learning when trying to purchased a home, XXXX had made XXXX collection entries to my credit reports that I had disputed but received no cooperation from XXXX. I also reminded Convergent that if I had owed such monies, efforts for me to pay these monies were well past the statue of limitations time. I also asked Convergent to verify this debt, and to remove any and all transactions concerning this fraudulent debt from my credit reports if they had made such entries. I have yet to receive any validation, which I did n't expect to as there is none. However, I did receive an additional collection " settlement in full '' offer letter from Convergent dated XX/XX/XXXX for {$410.00}. They totally have disregarded my communication with them concerning this proven fraudulent debt by still insisting I have it and asking me to pay it. I will forward this same complaint with the XXXX in the state of XXXX and XXXX ( got the XXXX address info from an attorney site- XXXX ) as it seems Convergent has many addresses that they use. As I stated above I 'm an XXXX service member and have been for past XXXX years of my life, and to be hounded by a USA company who seems to cater to unethical practices is well ... a crime and XXXX shame!
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| 05/21/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX CONVERGENT OUTSOURCING 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 OUTSOURCING XXXX CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 05/17/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX, XXXX incorrectly billed me for an international call allegedly last XXXX minutes which is inaccurate. Upon receiving the bill, I made a number of attempts to dispute the claim with XXXX both over the phone and in person at one of their locations.
My dispute was based on two facts ; 1 ) Through my entire relationship with XXXX I had never made an international call last more than 2-3 minutes as those can and could at the time be made free using the Iphone facetime voice call or other applications. For this, while they could clearly see my history I also provided them with copies of all my statements for the prior 12 months.
2 ) I provided them with evidence from my phone records showing the alleged call being made at XXXX XXXX on XX/XX/XXXX, but only lasting 2 minutes as it was Cancelled or Dropped at XXXX XXXX. I have maintained evidence of these records and they can be provided at anytime As I continued to dispute the claim in early XXXX, XXXX referred me to a collection agency ( Convergent Outsourcing ). Convergent immediately reported the claim to the credit bureaus without any efforts to understand the disputed claim. At this point in order to make an attempt to avoid further harm to my credit score, I agreed to settle the claim but only once Convergent agreed to remove the record from my credit report, which they noted over a recorded line that if I called once the settlement had been processed, they would request the record to be removed. The settlement processed XX/XX/XXXX Currently, this continues to be included in both my XXXX and XXXX credit reports and has been removed from my XXXX report after attempting to dispute the reporting with all 3.
I have continued to make efforts to contact both Convergent and XXXX on the matter, as of the most recent call the week of XX/XX/XXXX, Convergent noted that they could not locate my file and XXXX claimed to not be able to locate it and after further escalation they were requesting me to go to one of their physical stores, which based on prior experience it would just be another attempt to defer resolution.
After attempting to discuss the matter with Convergent and XXXX once again, I followed up with the XXXX Disputes team, who adviced that Convergent has refused to provide them evidence other than noting that the claim must stay and the XXXX associate opened another dispute, however he advised me to file a CFPB dispute as well
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| 10/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 08/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 12/14/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 11/09/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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In XXXX of XXXX I purchased two XXXX XXXX, during a promotional deal where you buy one get one free for the price of one. The price of the phone was {$590.00} USD and the condition to receive the deal was only adding an additional plan to my XXXX XXXX account. I previously had an XXXX XXXX XXXX with a monthly bill of only {$55.00} USD. I been a loyal customer to XXXX for over 8 years, while serving the United States XXXX XXXX and upon separating from XXXX XXXX and entering the XXXX XXXX , I hadnt experienced any bad service nor had a late payment of any sort. The Sales representative in the city of XXXX, New Jersey. Assured me that I will get a bill in the next two to three months reflecting the payment due amount of the phones with the promotional credit, which should have added up to the {$590.00} USD. This was the agreed upon amount at the time. I waited and waited and didnt see a bill till four months later and when the bill was viewed and received it was in collections without my knowledge. I called the location, where I purchased the phones and no response. I called XXXX business assistance number and they assured me they will take care of it in seven business days back in XXXX of XXXX and nothing was done of it. At this time the account never reflected the amount due accurately, due to it being sent to collection but it hadnt hit my credit score at that time. I proceed to the nearest XXXX store in my area. I spoke to four XXXX representatives, who put me on the line with XXXX billing issues for XXXX XXXX account holders again. They assured me they would fix the issue and again promised for it would be fixed in 7 business days and again nothing was done of it. A week or so later I went back to the same store in XXXX XXXX XXXX, Florida. I spoke with the store manager a miss XXXX, and her team of XXXX, XXXX, which were on the line with the XXXX representative via phone again. They tried to correct issue, and nothing came out of it. I called the store a week later as a follow up as miss XXXX suggested to check back in. Do to her telling me she would escalate my issue up her chain of command. I called and she stated she would give a call back didnt get a call back. I called back and she stated she is working on it. Check again later during week. Now its XX/XX/XXXX issue wasnt resolved, and their collection agency finally attacked my credit for the full amount of both phones {$1100.00} USD.
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| 10/15/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX and XX/XX/XXXX for code of ethics violations.
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| 12/16/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX CONVERGENT OUTSOURCING XX/XX/2021 VIOLATION OF 15 U.S. Code 1692g - Validation of debts Re : Account Number XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. 15 USC 1692g ( a ) clearly states that you must have sent me a written notice of the alleged debt. You did not do this and if you say you did please provide me with proof. Pursuant to 15 USC 1692k violating this law will cause you to be liable for {$1000.00} in damages. I demand that you delete the reported tradelines from my consumer report.
Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A complete XXXX XXXX calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficent validation response and this item must be removed immediately or i will seek litigation for Monetary damages along with the violations you alrerady committed.
Sincerely, XXXX XXXX
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| 10/03/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a " bill '' dated XX/XX/XXXX from this company stating that I have an unpaid debt with them in the amount of {$1000.00}. I have never had any dealing with this company. On XX/XX/XXXX they signed for a certified letter that I sent them requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
I requested that I am asking for validation ; that is competent evidence bearing my HANDWRITTEN signature ( not a computer generated signature ), showing that I have ( or ever had ) some contractual obligation to pay them. I also advised, that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, or have never owed, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I did not receive any validation or correspondence from them.
However, what I did receive was a notification from my credit monitoring service that they placed not one or two derogatory marks on all 3 of my credit reports but four ( 4 ). One on XX/XX/2017 ( before their initial " bill '' and the second on XX/XX/2017 ( 2 days after receiving my letter requesting validation ), XX/XX/2017 ( just after I filed a complaint with the BBB ) and the last one noted on XX/XX/2017. Making 4 negative entries on my credit reports has caused my credit score to drastically decrease between 20 - 45 points ( depending on the credit bureau ). These marks are clearly retaliation for me challenging them.
XXXX XXXX never responded to me directly from the certified letter I sent them. They only responded to me through my complaint with the BBB, Their " verification '' is an itemized bill. According to XXXX ( attached ) this is NOT " verification ''.
Removing ALL items that they placed on all 3 of my credit reports immediately and permanently. If this is not done within 30 days, I will be filing a suit in court and seeking a minimum of {$1000.00} in damages per violation for : a ) Defamation, b ) Negligent Enablement of Identity Fraud, 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
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| 10/18/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX ATTENTINO DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CONVERGENT OUTSOURCING 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 OUTSOURCING XXXX 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. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 10/01/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was made aware of a negative mark on my credit by my credit union XX/XX/XXXX. This is an inquiry that has never been shown on my credit report prior to this day. I was unaware of the creditor as I appeared on my report as COI. After doing some research and calling around this is a company name Convergent Outsourcing , INC . I contacted this company and was told that this was a debt collector for a XXXX account from XXXX. I had not received a bill or notification of an additional bill. I also have never been told about any debt on my credit. I was never provided an account number. The representative XXXX stated that this debt was reported in XX/XX/XXXX over 5 years after this account was said to be opened. In 5 years I was not made privy to a debt owed. The lady proceeded to explain that for a payment of {$170.00} the debt would be settled as paid in full and that they would report to the Credit bureau as such to have this removed. I was not made aware that I had an option to dispute this matter, I was only told that a settlement payment would get this removed. The rep XXXX took a payment in the amount of {$170.00} and gave a confirmation # XXXX, XXXX advised that she would provide a " XXXX Balance " email and was provided my email. XXXX stated this information would also be mailed out. XXXX provide a phone number # XXXX and stated to look for the email in the next couple days and that the remark would be removed. I have not received an email of this letter to date in my mail or email. I called the company XX/XX/XXXX and spoke to a rep named XXXX and advised that I had not received the email I was told I would. XXXX asked for my information, first my telephone #, and name, she then tells me that she can not find me in their system. She ask for my social security # and tells me that she can not find me in their system. XXXX then tells me that she will have to get with her manager to find out what other ways they can check to see if I have an account. At this point I am concerned about several issues. This company is soliciting debt from consumers without providing proper information. Funds were exchanged no receipt was provided, no email of settlement provided, and now no recollection that an account exist for me. I am requesting that this be reversed, that I am refunded my money and that this be removed off my credit report, this is a violation of my rights as a consumer.
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| 08/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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On XXXX XXXX, I obtained a copy of my credit report. It lists a negative report by the following agency : CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX Stating : Potentially negative items Collection account.
{$150.00} past due as of XXXX 2016.
A photo can be attached.
This is not my debt. I have never had a XXXX account. I have contacted Convergent Outsourcing but have not had a reply. The only contact they have had with me is the indirect contact by posting false information on my credit report.
That is libelous and a defamation of my character. I demand that the agencies be contacted at once and have all negative remarks and accusations removed from all credit bureaus.
Further, according to the Fair Debt Collection Practices Act, section 809, Validation of debts [ 15 USC 1692g ] : ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ...
( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
They failed to perform the quoted sections and are thus in violation of the Fair Debt Collection Practices Act. They have never ever contacted me either by phone or mail or any other method or made any attempt to do so.
Due to the fact that they are in XXXX and I am in XXXX, I wonder how many other people with a name similar to mine received similar derogatory reports.
They need to correct this at once.
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| 11/18/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was contacted by a third party collection agency that violated the FDCPA section 809 A and B. I asked for verification of debt during my validation period and was informed it was just mailed to be on XX/XX/2020. I requested this at the beginning of XXXX. I got another got today from an agent that continued to collect during my validation period. I do not appreciate being ask if I need a friend or family member to help me pay the debt. I have rights to request this information and the company was late sending it out to me. I am requesting the CFPB review this call and the collection practices of the agency. As I told the gentleman on the phone. Once I get my paper work I will call you, but this company failed to send out the documentation within 30 days of my request.
This account is also being disputed as I believe the balance is wholly inaccurate. Please send proof this is my debt. This debt may be XXXX, but I promise I will spend more money protecting my rights and preventing any agency from violating these rights. If that means filing a civil suit against the third party collection agency and their client.. I will do so. Damages are awarded for FDCPA violations.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section 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 a 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. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
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| 10/10/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To whom it may concern, I became aware of a collections amount of {$520.00} from XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX. The debt was for an electricity service used at address XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I have never lived or worked at this address. I also did not authorized my information to be used here.
To dispute this debt, I first contacted the collection agency Convergent and made them aware this was due to identity theft. I was advised by Convergent to contact XXXX XXXX directly to resolve this issue.
I called XXXX XXXX XX/XX/XXXX and was told by a representative that I needed to provide a police report and proof of residence during the time of when the service was used, which was between XX/XX/XXXX - XX/XX/XXXX.
I filed a police report and compiled statements of rent and utility payments from my correct residence. I have lived at this address since XX/XX/XXXX.
I was advised to email my police report number XXXX and rent and utility statements to XXXX with subject header " XXXX ''. This email was sent on XX/XX/XXXX at XXXX XXXX XXXX.
I did not receive response from my email, so i called to follow up several times and could not get ahold of a representative due to " high call volume ''. ( call log can be provided upon request ) I disputed the debt with XXXX on XX/XX/XXXX. An update was made on my XXXX account stating " the information you disputed have been verified as accurate ; however, information unrelated to your dispute has been updated. '' XXXX never contacted me for documents or more information to send XXXX XXXX to back up my dispute.
When I checked the dispute regarding " information unrelated to your dispute has been updated '', I saw XXXX XXXX had marked the {$520.00} debt as " Account charged off. {$520.00} written off. {$520.00} past due as of XX/XX/XXXX. '' Also the months that were charged off had been changed to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During this time I was using electricity services from XXXX XXXX XXXX. I do not understand why these charge off dates are different from the original debt between XXXX XXXX-XXXX XXXX and would like this investigated as well.
This has caused a great hardship in obtaining loans and housing for rental properties. I would like this dispute to be resolved as soon as possible so I can obtain housing for me and my family.
Regards,
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| 11/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX I received a notification from XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt on the behalf of XXXX XXXX in the amount of {$180.00} and that they would be willing to settle the account for {$170.00}. I found this letter to be alarming because I received a notice from XXXX stating that the same amount was due.
This issue stemmed from this summer when I was supposed to have service installed at my new residence. Prior to the scheduled installation at the new residence, I cancelled the appointment with XXXX but XXXX failed to cancel the appointment and prematurely disconnected my service at my old address. As a result, I awoke to no television, internet, or phone service. It took XXXX hours to remedy the issue and as a result, they had to create a new account in order to restore my service. I was told that my prior account would be merged with this new account number for billing and statement purposes which clearly is n't the case.
Ironically, I receive monthly statements for my active service and I pay my bill monthly. Until XX/XX/XXXX I never received any notification from XXXX XXXX stating that there was an outstanding bill on the previous account and that failure to submit payment would result in collection actions being taken against me. I knew nothing of this debt. While I have no issue of paying this debt, I need XXXX to remove this from collections since it was an error on their part. I take my credit very seriously and this collection will hurt my credit score and has the potential of staying on my report.
On XX/XX/XXXX I contacted XXXX and explained the situation to XXXX, id # XXXX who later transferred me to a woman who later transferred me to XXXX who refused to give his id #. I spoke withe supervisor, XXXX XXXX and I advised him of the collection notice and the fact that I was not pleased with XXXX. This is because I have an active account with a triple bundle package that I pay every month. Until Saturday, I never received a notice regarding an outstanding bill on my previous residence. I explained that I was under the impression the bill from my previous residence and my current bill were supposed to be merged. He stated that was not I explained my concern for my credit rating and I was told that this account with Convergent was an in-house collection agency and would not bear adversely on my credit report.
|
| 05/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This Collection agency Company Convergent has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe ( {$2400.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to Convergent about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Convergent. Dont matter the original creditor have the same account number as the collection agency. XXXX and Convergent different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$2400.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA.
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| 02/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CONVERGENT OUTSOURCING 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 OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 03/26/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CONVERGENT OUTSOURCING 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 OUTSOURCING XXXX I have report your company to XXXX 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. XXXX1-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 01/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports.
CONVERGENT OUTSOURCI Reported : XX/XX/2020 {$7100.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
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| 05/05/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This complaint is based on violations of the FDCPA by this debt collector, Convergent Outsourcing ( Convergent ).
___ On XX/XX/2020, I reviewed my credit reports and saw a collection account reported by this debt collector. I was never aware of this account so I had no opportunity to dispute the debt until this point.
___ On XX/XX/2020, I disputed the debt directly with this debt collector by certified mail. I asked them to validate the debt.
___ XX/XX/2020, I disputed the account thru the credit reporting agencies.
___ On XX/XX/2020, this debt collector verified the account to XXXX, before they validated the debt.
___ On XX/XX/2020, this debt collector verified the account to XXXX, before they validated the debt.
___ On XX/XX/2020, this debt collector mailed me their purported validation of debt. However, they falsely back-dated their letter inside that envelope as if that letter was written/mailed on XX/XX/XXXX ( before they " verified '' the account to the credit bureaus ). I have attached a copy of the envelope which was stamped by the US Postal Service proving this was mailed XX/XX/XXXX, no where near the date of XX/XX/XXXX. I have also attached their falsely back-dated cover letter.
___ This debt collector falsely back-dated their letter to conceal their illegal behavior of verifying the account to the credit bureaus before they validated the debt.
___Based on the aforementioned facts ( and supported by the attached proof ), Convergent engaged in following violations of the Fair Debt Collections Practices Act : ___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the debt by verifying/updating the account to the credit bureaus before it was validated. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ).
___ ( b ) Violation of the FDCPA 15 USC 1692e ( 10 ) in that they employed false or deceptive means to collect a debt when they falsely back-dated their letter.
___ ( c ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt when they falsely back-dated their letter.
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| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/2021 Re : Social Security Number : XXXX To Whom It May Concern, This letter is regarding account # XXXX, which you claim This {$800.00} debt is mine ). This is formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
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| 06/26/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX XXXX. XXXX, XXXX ( Retired ) XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX In reply to your letter dated XX/XX/XXXX Recd o/a XX/XX/XXXX Re XXXX # XXXX This is My FINAL communication with you! You have apparently not read or have Employees who can read the previous communications. I am a retired XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am XXXX YOA and have all my faculties. I am not impressed at with your False Investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Two Statements and two advertisements do not qualify as an investigation. I think I have given you this statement previously. This was sent to XXXX early on : ( XX/XX/XXXX ) I contacted your support for help to get the XXXX router working, which I paid {$190.00} for. The XXXX worked great for about thirty days, and I have had nothing but trouble since. I have sought help from the company store, your local support, and by your Phone support without success. I have to reboot the router at least 4 or 5 times a day and recently every hour. My phone is also attached to the router and everyone is getting mad with me because they cant reach me by phone. I was still having problems with it when it was finally turned off! I have found an alternative service. I am terminating this account as of XX/XX/XXXX the date it was last used. Im enclosing my check for {$52.00} again, which is my FINAL PAYMENT for the XXXX Router Conection. I will take the other charges that I paid as a lesson learned. I have received far less service from you than I agreed to pay for. I am totally disappointed with XXXX, and I can never recommend you to anyone in the future. I will not pay for a system that does not work! This is the Last time I will waste a Postage stamp telling you whats wrong with this account. There is no law in the world that would require me to pay for a service that doesnt work. I paid all fees for seven months hoping we could have gotten this to work. I have all the bills they have continued to send me thru XX/XX/XXXX. Starting with a {$0.00} balance in XX/XX/XXXX to a {$230.00} in XX/XX/XXXX. Including your firm, I have received collection letters from 7 different collection agencies. Yours is the last. Yours Truly, XXXX XXXX O XXXX , XXXX Copy : CFPB
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| 06/10/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX I contacted XXXX XXXX XXXX. via certified mail regarding a account they claim I owe in the amount of XXXX. I sent a letter to XXXX XXXX XXXX. stating : This letter is regarding account # XXXX, which you claim I owe XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX responded with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX. and I never created a account with them or the original creditor XXXX. On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX XXXX XXXX I received the same response as the first letter they sent me.
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| 02/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583.
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating 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 your offices provide me with competent evidence that I have any legal obligation to pay you.
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which 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 not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
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| 08/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX CONVERGENT OUTSOURCING 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 OUTSOURCING 87387851 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 XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 04/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1999 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CONVERGENT OUTSOURCING {$440.00} Your company have violated FCRA XXXX ( 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 OUTSOURCING {$440.00} 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 XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1999 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
|
| 12/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I opened an account ( XXXX ) with XXXX XXXX in XX/XX/XXXX I paid them for a year but never used the service because I never installed any equipment and in XX/XX/XXXX I decided to close the account and I paid them an early termination fee of {$270.00}. Later I began to received a lot of letters from them and as I have automatic draft they tried to take {$440.00} and I disputed with my bank, because I paid them what I owed them before plus the early termination fee. When I called them to ask what was happening they said that there was another account ( XXXX ) in new York with a balance of {$450.00} open with my name and my SSN then I explain that it was not my account that was impossible, they charged {$440.00} to the account that I close with them ( XXXX ) in Florida just because it was with my name and my SSN that someone used. I tried to explain and asked them to find out who opened this account because it was NOT mine and they transferred me to the identity theft department : In this department they said they can not do nothing because XXXX XXXX closed the account ( XXXX ) in new York and transferred the balance to my account ( XXXX ) that was closed ... just because there was opened with same name and social security ..., then there is not any identity theft because this is my real account, they said they CAN NOT investigate a real account then said I have to call XXXX XXXX and find out who transferred this balance and why? to my account. Then I spoke to XXXX XXXX and they said they do not use to transfer the balance of an account to another and they still finding out but any result.They sent me with a collection agency named Convergent Outsourcing and reported to my credit XXXX and XXXX and the only solution they are offering me is to report it to the police department. I would like you to investigate this kind of fraud why do they charged to an account it was paid and closed from another different account that was opened and fraudulent, the thing is if its supposed '' '' '' I have an account in New York : why do n't send the letters and charges with the correct account number opened in new york? and use the account that was pay off?? very convenient, no? because the identity theft department can not investigate it because it was charged to my real account, and a real account can not be investigate.
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| 08/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX CONVERGENT OUTSOURCING 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 OUTSOURCING XXXX 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 XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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I have no documents to attach because there are none in existence. This is not my debt and has never been. Approximately XX/XX/XXXX, I received a credit alert from one of the reporting agencies. I immediately looked at my reports to find a collection agency placing a account. I found out who the alleged original creditor was and contacted them as I currently have an current open account with them. When I contacted them I inquired why my account was sent to collections. They told me that my account was CURRENT and I had NO PAST DUE BALANCE! I asked them to please look back to the inception of my account to positively make certain I did not owe any past due amount. They verified that there was no past due balance and also stated that there could be no past due balance since any amount not paid would be added to the next billing cycle. I already knew I had no delinquent amount with them, but wanted to make 100 % certain. I filed a dispute with XXXX on XX/XX/XXXXand on XX/XX/XXXX this account was DELETED. It was then reported to XXXX. Additionally, I never received any notice from XXXX XXXX XXXX XXXX. that an account under my name was placed with them. They listed the open date on my credit report as XX/XX/XXXX ; IMPOSSIBLE since I contacted the original creditor on XX/XX/XXXX and verified I had no past due or account placed for collections. I did receive a letter from XXXX XXXX XXXX datedXX/XX/XXXXsaying they investigated my dispute and will report their finding. This is a complete violation of FCRA 623 ( a ) ( 5 ) ( A ) and CFPB Appendix E to Part 222. They have not supplied me with any physical evidence of this alleged debt. They delete it from one reporting agency just to report it to the next. What are they agency hoping? This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX XXXX. make up fake accounts and report them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed? I am also going to file a complaint with the Arizona Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all!
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| 03/08/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/XXXX ; I cancelled my phone service with XXXX. I paid XXXX a total of {$340.00} to catch up on my bill so I wouldn't owe them any money and for them to close my account. I was told by a representative on the phone that the account was closed and my bill was all paid up. The only money I would owe to XXXX is for the cancellation fees of {$200.00} per line. Which would be a total of {$400.00}. I received a bill from XXXX in XX/XX/XXXX and called them because I didn't understand why I was still getting a bill from them for lines that were supposed to have been cut. I disputed this with XXXX and they said it would be taken care of and that they were sorry for the confusion. A while later, I noticed that the charge was showing up on my credit report for an outrageous amount of {$820.00}. I called the collection agency that reported this to the credit bureaus and I put in a dispute with the credit bureaus. The credit bureaus did their investigation ; the amount was known to be incorrect and it was removed from all 3 credit reporting agencies. Now in XX/XX/XXXX ; I check my credit report often and noticed that there is a new collection agency trying to collect the same inaccurate debt that the other one was. I called XXXX on XX/XX/XXXX and talked to them and inquired about why they keep sending the debt with the incorrect amount to the credit bureaus and the representative told me she understands that the debt is wrong and they will be sending it to her Resolution Supervisor. I am tired of dealing with this same situation over and over again with XXXX reporting wrong information and my credit taking a massive hit for it. I told the representative that I have documents showing the last payment made to them and she went on to tell me that they don't see that payment in their system ; so she doesn't know what happen. She also went on to tell me that I should owe only the cancellation fees for the lines which would total {$480.00}. I told her that the amount is inaccurate and by law they aren't supposed to send the wrong information to collection agencies if it's inaccurate. I had this same issue before with XXXX giving wrong information and it was deleted from my credit but now this same scenario has resurfaced. I am in the process of buying a home and this is messing with my credit unnecessarily.
|
| 06/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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On XX/XX/XXXX I contacted XXXX XXXX XXXX via certified mail regarding an account they claim I owe in the amount of XXXX. I sent a letter stating : This letter is regarding account # XXXX which you claim I owe XXXX. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
XXXX XXXX XXXX responded with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX and I never created a account with them or the original creditor XXXX.
On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX with the same response as the first letter they sent me.
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| 03/20/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX CONVERGENT OUTSOURCING 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 OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District oXXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 07/04/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I relocated to XXXX, Illinois on XX/XX/XXXX. At that time, my cellular service provider was XXXX. XXXX was my exclusive cellular provider since the XXXX. Up to this point, I was happy with the service. After moving to XXXX, I was unable to use my cell phone in my apartment. I could not hold conversations with people ( they could not hear me for any length of time ) or the calls dropped completely. Frustrated, I reported this issue to XXXX. After complaining repeatedly for months, XXXX finally agreed to send me a cellular service extender kit as a remedy. The remedy, however, did not solve the problem. The extender did not work consistently, at I would have to end a call, try to connect to the extender and then try the call again, with varied success. I reported this to XXXX as well. XXXX had no other solutions to offer. They indicated that there were limited cell towers in my area. This was surprising to me, as I live in downtown XXXX. This went on for months, and out of frustration, I called XXXX to cancel my service. After 10 years as a customer, they offered me nothing.
In XX/XX/XXXX, after months of trying to resolve this issue with XXXX, I transferred my number to XXXX XXXX XXXX, which I understood had better service reliability in the XXXX area. In my opinion this was a constructive termination, because XXXX was unable to provide me reliable service. I, in effect, had to cancel. They still charged me a {$300.00} early termination fee, which I believe is unconscionable and bad business practice. I have pleaded my case to them without success, and they referred my account for collection, which is now held by XXXX XXXX in Washington state.
I do not feel I owe this balance, and have requested, without success that it be removed from my credit report.
Interestingly enough, I spoke with a XXXX representative one day, while at an XXXX office. He was attempting to get me to switch and I explained my dilemman to him. He indicated that he could probably get the collection account removed if I signed up with him. I did not want to incur another early termination fee with XXXX XXXX XXXX so, I ultimately decided not to do so, in spite of the potential savings on my cellular bill. I would rather have reliable service at a premium than a cheaper plan with unreliable service.
Please help.
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| 10/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I was contacted regarding this debt in XXXX of XXXX, the debt collector spoke with my wife, however I was present. We were informed they received this account in XXXX of XXXX and that it had not been reported on my credit report as of yet. We explained this was incurred due to XXXX our new phone company not paying off our account as we were told they would. It was still suggested we pay on the debt in the meantime to avoid it affecting my credit. We were told since we were making arrangements early on it would keep this off of my credit report. We scheduled the first payment for the end of XXXX XXXX, XXXX/XXXX/XXXX as it was stated something would be needed in the month of XXXX to secure the agreement. The first XXXX payment was for XXXX/XXXX/XXXX for {$75.00} and has been paid every two weeks for {$75.00} by automatic withdrawal. So XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX all for {$75.00}. Now imagine my surprise when I pulled my credit report on XXXX/XXXX/XXXX and not only seen this account on my report when I was told it would n't be, but also it is reporting late when I have made all scheduled payments as agreed! My wife called in my presence on or around XXXX/XXXX/XXXX and received very rude service. She spoke with two people who both stated that payments had been received and on time, but since they are collecting for XXXX and the XXXX account is not in good standing since it was sent to collections this is why the account has a negative standing. They stated they are reporting the payments, but have no idea how the credit bureau puts out info. My wife said the CB can only report what you tell them, but they insisted it was not their issue to correct and we should call the credit bureau. Of course I understand I am not in good standing with XXXX, but convergent should be reporting the on time payments to convergent that are being made. It is clear to anyone a collection account is a negative thing, but you dont get to report on time payments as late to punish a consumer. Included are bank statements for the dates listed above. Please note the payments listed under XXXX, which also has their phone number listed. Also I have attached email statement notices from Convergent. I can not go all the way back to XXXX as their links expire in 90 days. Also a copy of this item on my report.
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| 08/02/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CONVERGENT OUTSOURCING XXXXXXXX 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 OUTSOURCING XXXX 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 XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 10/03/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was a XXXX satellite service customer and in XXXX we planned to move to another home in the same neighborhood. I called customer service to ask my service to be moved to the new address. I was told there would be no additional charge for the move. After they hooked up service at my new address I received a bill from them for the move for {$370.00}. I disputed the bill with them and reminded them that their customer service representative told me there would be no charge for the move since we were already customers. Despite several calls to customer service and repeated requests for them to remove the charge, the charge was not removed. In XX/XX/XXXX we received a collections bill from XXXX XXXX XXXX for {$370.00} for XXXX. I disputed the bill by phone and I was told that they would contact XXXX and get back to me. They never responded. In XX/XX/XXXX I received a collections bill from XXXX XXXX for {$370.00} for XXXX. I disputed the charge again by calling XXXX XXXX. They stated they would speak with XXXX and call me with their findings. They never responded. In XX/XX/XXXX I received a collections bill from Convergent Outsourcing for {$370.00} for XXXX. I sent a letter this time on XX/XX/XXXX stating " If you believe that I am responsible for this debt please mail me a copy of the relevant documents. Please record that I dispute this debt. If you forward this debt to another company and/or report it to a credit bureau please indicate that the debt is disputed. '' I never received a response. Upon review of my credit in XX/XX/XXXX I saw that I had a collection reported for {$370.00} from XXXX XXXX for XXXX. I contacted XXXX XXXX by mail disputing the debt and making the same statement as I did in my letter to Convergent. They never responded. Upon checking my credit in XX/XX/XXXX I saw a collection reported by XXXX XXXX for {$370.00} for XXXX that states it was opened on XX/XX/XXXX and last reported XX/XX/XXXX. This charge has been disputed since XXXX. This collection is continually sold to different collection agencies and therefore reported as newly opened every year on my credit report since then. I have never received any response to my dispute of this debt from XXXX. I have never received a response from any of the collection agencies who have notified us of this debt.
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| 02/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Good Morning, Since XX/XX/XXXX I paid the balance in full on account held at XXXX XXXX for a prior unpaid debt of {$690.00} related to a XXXX bill from 7 years ago ( the account was originally one from XX/XX/XXXX ). I have cordially spoken with XXXX XXXX representatives on multiple times over the past few months. I have requested the following information from them but have not seen any results despite each representative agreeing that they would see that the matters are taken care of : 1. I have requested a receipt that shows that I paid this balance in full to them ; Even after verifying with them that they have my correct telephone number, current mailing address, and email ( on the last 2 occasions, the representatives promised that they would escalate the issue to a Supervisor and that I would be emailed a receipt for the payment on the same day that I placed the call to XXXX XXXX ) 2. I requested that since the debt was paid and the account is 7 years old, could they please send updated information to the credit bureau to show that my account is paid in full instead of it being listed as unpaid ( I have checked my credit reports from all three major credit bureaus and Equifax still shows this account as being in collections with an unpaid balance of {$690.00} ).
3. I requested on the last 2 occasions that they please provide me with a Deletion Letter, of which on both occasions, the XXXX XXXX representatives that I spoke with both said that a Deletion Letter being sent to me would not be a problem and that they would get that sent to me. The last time I called, the representative even told me that she could have that letter emailed to me.
Of those 3 requests that I made for this paid debt, I have not received any response that they agreed to during the phone conversations. This is very frustrating.
I have made calls to them at the following dates and times ( Eastern Standard Time ) recently : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX at XXXX XXXX spoke with a representative at XXXX 3 ) XX/XX/XXXX at XXXX XXXX spoke with a representative at XXXX 4 ) XX/XX/XXXX at XXXX XXXX spoke with a person who identified themselves as a Team Leader at XXXX XXXX at XXXX I included these dates and times as well because these phone call likely have been recorded for quality assurance.
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| 07/02/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I discovered a collection on my credit i did not know about. After completing my contract with XXXX a charge was added to the account that was later described as a equipment fee. I had no information of this debit and requested proof it was valid. I received nothing. After 60 days i again called and was given only a phone number to a collection agency named convergent. I called and spoke with them requesting proof i owed this debit and it was valid. I also placed a letter in the mail with these same requests later that day. I received nothing. After another 30 days i called back to make a final attempt to resolve the debit. The agent i spoke to offered me a settlement that included a complete deletion of the account from my credit report and a paid in full status. She made the case that the settlement was cheaper and faster than getting a attorney. Because this false debit was causing great hardship to my family by preventing the refinance of my home and the agent knew this i felt blackmailed into the arrangement. I agreed and gave my credit card number and awaited the documentation of this agreement in the mail. After another 30 days with no documentation, no deletion from my credit report, and no return communication from repeated phone calls i contacted my credit card company. They opened a fraud case. XXXX XXXX determined the false statements and deceptive agreements along with the complete absence of agreed documentation made by the agent to obtain my credit card number met their requirements for fraud and they promptly reversed the charges. The collection agency responded by placing a second collection on my credit report. So at this time they are reporting two accounts. Injuring my credit further. I am at this time reviewing local attorneys to begin legal action against the collection agency. They blackmailed me with inaccurate reporting info, lied to me to get my credit card number, provided not one piece of requested documentation, and falsely placed a second new collection account on my credit report. I have no documents as they refuse to send anything. If you need copies of the fraud finding by my credit card company i can produce that at any time. However absolutely no bills, letters, or documentation of this debit of any kind has been received by me at any time.
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| 02/11/2022 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Beginning in XXXX, I began receiving phone calls from debt collectors attempting to collect a debt from " XXXX XXXX ''. No matter how many times I told these debt collectors I am not and have never been XXXX XXXX they continue to call about my student loans owed to XXXX XXXX University, which I have never attended. I even received certified mail from XXXX XXXX University discussing the amount that I owe and that I am delinquent. I returned the mail that came to my personal address back to the post office and explained the situation. I also contacted XXXX XXXXXXXX University and explained the situation. They assured me that it would be taken care off, however, the calls for debt collections continue. They have called my brother and my mother and have been demanding and act like my family members are lying to them about my never being XXXX XXXX. I did an internet search and learned that my phone number and address, somehow, were put in association with this XXXX XXXX. I contacted white pages and advised them that their information is inaccurate, although i'm not sure how many other places have that same incorrect information. I work for a police department, and the assistant chief has an open identity theft case from XXXX of XXXX after I knew the calls to my family and I were not going to stop. The officer that has the open case spoke with XXXX XXXX University and a couple of the credit " outsourcers '' about clearing my number from their records because I am not XXXX XXXX and I have never attended XXXX XXXX University. As of XX/XX/XXXX, I am still receiving harassing phone calls from outsourced debt collectors looking for XXXX XXXX and no matter how many times I request to be taken off of their lists and that I am not who they are looking for, they continue to call. They continue to treat me as though I am lying to them about my identity, and they still continue to call my family. I have done everything I know how to do at this point, and the calls will not stop. The outsourcers also can not give me any information on how my number and address came to be associated with XXXX XXXX, because I don't even know who she is. I'm not sure what else to do at this point, but every incident gets reported to the officer that is working my case. Maybe this report will help as well.
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| 12/24/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I work as an XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) for the federal government in the XXXX area. I am a XXXX XXXX XXXX XXXX who served in the XXXX for 23 years. I have resided in XXXX state since XX/XX/XXXX, but took a job with the federal government in XXXX in XX/XX/XXXX, but transferred to XXXX, XXXX in XX/XX/XXXX-XX/XX/XXXX, where I would go back and forth from my residence in XXXX to my apartment in XXXX. My family stayed in XXXX due to my daughter being in middle school and my long term girlfriend working in the XXXX XXXX felt the move for them would not be beneficial for the family. So, in XX/XX/XXXX, I was contacted by Convergent Outsourcing, Inc indicating I had a unsettled debt with a cable company called XXXX. I told them I have never heard of them and they asked what my date of birth was. I didn't tell them the year but just gave the month and day. The representative indicated the information they had was a match. I adamantly told them they had the wrong person but the debt collection agency insisted the debt was mine. I wasn't overly concerned because I knew I had never lived in NY where the debt was initiated, but when the information affected my credit score is when I filed a complaint with the FTC and forwarded both XXXX and Convergent my identity theft report and letter asking them to desist from collecting this debt from me. I even forwarded a copy of my drivers license believing the agencies would be intelligent enough to determine the debt was not mine. Today ( XX/XX/XXXX ), I received a letter from Convergent Outsourcing, Inc indicating after their investigation they have concluded the debt is valid and I owed it. Initially, I thought how stupid are these people? What investigative systems are they using because there is no way this debt is mine. Nor will I pay for something that does not belong to me. Furthermore, I have never ever ever lived in NY or NJ ( the debt apparently occurred in XXXX, NJ ) nor have I ever opened a cable account with XXXX. A simple credit check will show I have lived in XXXX state and XXXX since XXXX. Their investigative process is definitely rudimentary and antiquated. A simple credit check would obviously show I have never lived in that location. I am frustrated and angry that they would continually insist I owe them XXXX.
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| 02/26/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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While checking my credit report on XX/XX/XXXX, I discovered that there is a collection on my report from a company named Convergent Outsourcing for {$950.00}. I called them and they mentioned it was from XXXX. I was surprised because I'm a client of XXXX and have been since XXXX and I pay my monthly bill and had no past due balances, and they were not calling me to collect any debt. So, I called XXXX. After talking to 5 or 6 different people from XXXX, they determine that the collection balance was related to the fact that I transferred my account when I moved using the mobile app and according to them, that created a new account in their system and, once I moved, I never knew they were charging me anything. Their explanation makes no sense to me. Why would XXXX have an application to transfer services when you move and then penalize you by opening a new account and left hanging the old account to create charges for equipment not returned, and a snowball of charges and penalties unknown to me? On top of that, they had me and have me as a client!! XXXX could have called me and send me letters to my current account and address ( which is what they should have done by consolidating the 2 accounts when I moved like I have done on other occasions in previous moves ). To add insult to injury they sent the old address account to collections seriously impacting my credit not only for an incorrect amount but without my knowledge and without giving me a chance to dispute it. They have violated so many consumer protocols!!! And when you call either Convergent or XXXX, they give you tons of excuses but don't solve the problem they created. On my first dispute, they reduced the {$950.00} alleged debt to {$370.00} without any explanation and when I called to ask about the new balance NO ONE could explain why. At this juncture, I want the collection to be erased from my credit. If these companies can be penalized under the FCRA or any other law, I want them to be fined as well. It is very unfair to ruin a current customer 's credit by reporting a collection that they created and that is not only inaccurate it is simply wrong and non-existent for an equipment that they know I have and use within the new account that I've had with them for XXXX years before they reported the collection.
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| 08/18/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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/XX/XX/XXXXXXXX XXXX for the past several years has continued to pop up on my credit report. Every time I remind them that the original creditor XXXX XXXX XXXX XXXX found this account to have been fraudulenty opened in my name in a state I was not residing in at the time using my information via the internet and phone. I have been the victim of identity theft years ago. Convergent knows this a will pop on my report several times in the last several years and when I dispute the fraudulent account, they find its fraudlent from XXXX and delete. Then 6 months to a year later they try and collect again on a known fraudulent account hoping I will not dispute and they can make money ( so I've been told by one representative on XX/XX/XXXX. They are predatory. I have no outstanding bad debt and a good credit score, despite this fly by night operation popping up every 6 months to a year violating the FCRA and FDCPA laws about collections and reporting by being harrassing, providing false and intimidating talk and information relative to a known fraudulent account and attempting to collect on an already deemed fraudulent account. I have proof of them violating at least 6 different federal collections laws over the years. Friday, XX/XX/XXXX, without a call or mail to where I have lived and continue to live in Virginia ( not Florida ), they inserted on my credit reports. Laws state that a consumer must be served a dunning letter that state the alleged original creditor, amount alleged to be owed, the alleged date of oncurrance of alleged debt along with a required statement by law that identifies them as a debt collection company and the rights of the consumers. This never happens with this company. A true violation of consumer protections and rights. I pay all my bills monthly. I simply will not be harassed by this company by holding my good credit hostage in an attempt to extort money. I was told on XX/XX/XXXX by XXXX at XXXX XXXX via phone that I should " just pay the XXXX dollar bill '' even though it wasn't mine because he " can do whatever he wants to get me to pay ''. I record and document my phone conversations with this company and file them away. It seems this company has a difficult time owning up to what constitutes " good business ethics and preactices ''. Please help.
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| 01/19/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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on XXXX I went to XXXX in XXXX, NJ with a mail offer for phones and services. I went through the start up process, for over an hour and when they tried using the promotion code- it wouldn't accept it. They tried calling the number on the notice and after another 40 minutes- was not getting any help. They said I would have to do this on my own time.
We cancelled the entire request. ( I have the postvoid receipt ). This should have been the end of this transaction. However, on XX/XX/XXXX I tried to purchase a XXXX gift using my debit card with the last {$50.00} I had, to my name. It was declined. When I checked my bank account it was overdrawn - T-Mobile was pushing through an unauthorized auto-payment for the monthly service fee, for services I never received. I called the store, the manager remembered the transaction and he made sure the autopayment was cancelled so it didn't happen again. I spent another 2 hours on the XXXX " help '' line. A term I use loosely as I was disconnected 3 times and had to restart explaining each time. Finally I was told they see it was an error and that they issued a refund to my bank. It would take 10 business days! I called my bank, put in a fraud claim for the transaction and they also made me wait over 10 days to get my money returned and reverse the overdraft fees. XX/XX/XXXX I receive a " late payment '' notice from XXXX for the original balance and a {$20.00} returned item fee! XX/XX/XXXX I receive the monthly statement for the " charges '' due AND a collection notice from Convergent Outsourcing Inc. XX/XX/XXXX- I got back on the phone with the original store, the manager wasn't employed here any longer and the new one was rude and unhelpful. I called XXXX and they said the refund was already issued back in XXXX and that she has no idea why it recycled and was also sent to a bill collection agency. I have spent way too much time on something I really should not have had to think about after I left the store on XX/XX/XXXX. Over a month later they are sending me bills and collection notices and nobody seems to be able to remove me from the computer system to stop this XXXX. I am trying to rebuild my credit and this is NOT helping. Be aware of shady XXXX and their offers via mailings or emails or anything for that matter.
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| 07/01/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I received a letter from Convergent Outsourcing with a XXXX account number XXXX statement bill attached, under federal regulations this does not qualify as a " valid verification of debt ".
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation.
In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
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| 04/13/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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We moved to our current address and decided to go to XXXX to purchase cell phones. We did and we were promised that we would have perfect service at our address. We get home and sure enough we did not have ANY service at our house. We called and went to store were told we had to try a XXXX XXXX XXXX at our house to help the signal. Waited for that to come in the mail all while not having a phone that worked.
XXXX XXXX finally arrived paid an electrician to install device. The cell spot booster DID NOT HELP. So we went to store told them about the issues again. Spoke to managers. He said to call XXXX again.
Called XXXX let them know we are not able to use our new phones anywhere on our property. Spoke to numerous individuals many different days purchased internet boosters for our house to see if that would help. Nothing we tried worked. So we had no choice but to return all equipment and cancel phone plans. I was promised by many XXXX personnel that the charges would be taken off and account closed. Finally spoke to manager XXXX on XX/XX/XXXX over the phone and said there would not be anything charged or anything pending on the account. To ignore anything that comes in that I was not liable.
Started to receive collection letters from Convergent as well as bills from XXXX and negative hits on my credit report. Continuing to call XXXX to advise that I was told account was going to be closed and all changes dropped. Still has not happened. Spoke to XXXX XXXX, XXXX XXXX and Finally XXXX all at XXXX. Besides going to the store 3x spoke to XXXX and XXXX.
Spoke to XXXX at customer service again last week she said she would escalate issue because she saw the notes in system and no usage on any of the cell phones or plan and that a manager would call me back. Called back yesterday and was told they couldnt do it on their end that I had to call convergent to file a dispute package.
So here we are. I do not owe this company and have never had a negative credit report. I pay my bills. If I were responsible for these charges I would have paid. But refuse to pay when I was told just return and nothing will be charged if I didnt have service at our house. I returned all equipment to XXXX and verified it was received by them. I am Not responsible for this debt.
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| 09/10/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE : XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 06/19/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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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
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| 01/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I signed up with XXXX with the agreement that my monthly bill would be approximately $ XXXX/month. I informed XXXX shortly thereafter that when I was at home the signal was so poor that the phone was unusable. In response their " customer retention '' staff sent me what they called a " signal booster, '' which solved the problem. One day the signal booster was not working so I called their tech support line. Rather than troubleshoot the problem they immediately decided to just send out a new booster which arrived several days later. However, about an hour after speaking with XXXX tech support the equipment suddenly started working again, so I called XXXX tech support again and they told me they would now send me shipping materials to return the old equipment. I did n't need the new equipment, and the shipping materials they sent were in no way suited to fit the box containing the shipped item. Rather than waste time and money shipping the unopened package I simply delivered the unopened shipment to my local XXXX store and they said no problem. Due to the inconsistency of their billing, i.e. my beginning monthly bill was about {$55.00}, but over several months it crept up to over {$80.00} per month. Seeing a massive charge on my following bill for the signal booster was the final act of financial misconduct I was willing to tolerate from XXXX. I cancelled my account and paid my cell phone usage balance, but not the charge for the equipment that I saw on my bill.
Now I 'm seeing these derogatory remarks on my XXXX and XXXX credit reports with a ridiculous charge of {$700.00} by a collections agency called Convergent. I am quite frustrated and confounded and I think the charge and the negative remark should be removed from my credit report. If there was a balance on my cell phone usage for the account I would gladly pay it and have the matter resolved, but to be erroneously charged for an untouched, unopened, and returned piece of equipment is downright unfair.
I have a decent job and have paid every debt ( besides this one ) in full ... .i.e. not a reduced amount or a settlement, but paid in full so as to encourage positive reports to the credit bureaus. This charge from XXXX or Convergent is inaccurate and out of line. This is my dispute.
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| 09/15/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I've looked at my credit report closely and noticed that XX/XX/XXXX I first disputed Convergent for the amount of {$800.00} because I was aware I owed no one and never heard of this company. I didn't follow-up because I just knew it wasn't mine!. After Covid crisis XXXX offered free credit reports in XXXX. Once again, I saw this same name and amount XX/XX/XXXX I filed a dispute. Again, XX/XX/XXXX with information attached to show no equipment charges were on my account along with the return XXXX label for the device in question I shipped back to XXXX. This was to no avail. I did the same disputed information with XXXX again XX/XX/XXXX to no avail. I received a letter from Convergent XX/XX/XXXX asking to mail or email proof if I had it. ( Mind you, this had already been done ) That same day I sent the email and waited for response. XX/XX/XXXX I received the exact same letter from Convergent as on XX/XX/XXXX. No problem, I sent the email again with a follow-up call asking if there was someone I could speak with to verify emails were received. No one knew who I was or what I was talking about. XX/XX/XXXX Same routine at Convergent, first asking me to pay the debt I don't owe, then not knowing who I am, or what documents/emails I'm talking about. After a bit, oh we'll expedite info to XXXXXXXX for removal from your credit file and send you follow-up email. XX/XX/XXXX call back and no one has previous information. She said she has to send me a packet to fill out, but never did. XX/XX/XXXX Called XXXX, rep said she take a look at XXXX trk # send it to escalation it should take XXXX days, she'll send an email. That email said they couldn't find equipment ( IMEI ), they were looking for a device number not the XXXX tracking number I provided. I called back XX/XX/XXXX because I didn't hear about the XXXX #. They told me then, it was too old. I was told because the account no longer belonged to XXXX, there was nothing more they could do. She did verify that this was about the return of the wi-fi device and that at that time it was {$100.00}. I told her I have provided my proof of returning the device, I'm not responsible what happens after it leaves my home. She was supposed to verify with XXXX the tracking number but never got back with me.
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| 05/05/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In response to CPFB complaints # XXXX - XXXX my name is XXXX XXXX a federally protected consumer, and Iam making this complaint against Convergent Outsourcing Inc. for violating a cease and desist order notice they received on XXXX XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a cease and desist notice, Exhibit A. which is a copy of the account reporting on my Experian consumer report, Exhibit B which is copy of response to CFPB complaint # XXXX - XXXX, and a pdf of an FTC Report that will be labeled as Exhibit C when filing for litigation in Federal Court to this complaint. Convergent Outsourcing Inc. position that this account will remain reported to credit reporting agencies with accuracy as disputed, because I never contract with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ). I have not validated any alleged debts with Convergent Outsourcing Inc. and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. Convergent Outsourcing Inc. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract giving Convergent Outsourcing Inc any right to collect on this alleged debt. It is my belief that Convergent Outsourcing Inc are attempting unlawful extortionate activities and theft company are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. The Company also stated The Balance have been validated with the original creditor XX/XX/XXXX. I have never received any documentation requesting validation from Convergent Outsourcing Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If Convergent Outsourcing can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. Convergent Outsourcing Inc # XXXX
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| 07/20/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I closed a cell phone account with XXXX in XX/XX/XXXX/XX/XX/XXXX in good standing and all payments were paid in full with a XXXX balance. Since XX/XX/XXXX/XX/XX/XXXX I did not have any accounts with XXXX and I joined my husband 's phone account where all bills are under his name. Therefore, I have not had a phone bill under my name since XX/XX/XXXX/XX/XX/XXXX. Suddenly, in XX/XX/XXXX, I noticed a derogatory collection on my credit report with XXXX XXXX stating that I owed {$170.00}. I XXXX XXXX XXXX to obtain a phone number and inquire as to why I was being hit with a collection on my credit report? I was notified that the collection was with XXXX and that if I did not believe the collection was valid then I needed to contact XXXX. I contacted XXXX and gave them my information. When I went to verify information on the collection account, it was noted as an active phone line and all of the information on the cell phone account was not mine except for the name. At this time, the rerouted me to the XXXX Fraud department where I provided information by phone to a representative. After this, there was no further communication with XXXX. I then proceeded to call XXXX XXXX and let them know that the information provided to them was inaccurate and that I had not had a phone account with XXXX in 8 years. I asked for Verification of Debt to see if my information had been cross-referenced or used by someone else. Convergent told me that I had to pay the collection and never provided me with any type of documentation. Subsequently, I disputed the accuracy and legitimacy of the debt. The collection was removed twice without any statement or follow up from anyone but then it would reappear in 2-3 months. Now it is XX/XX/XXXX and XXXX XXXX is continuing to call me multiple times a day but will not leave a message or reference as to why they are calling. In addition, I never received any validation that this collection is mine and if it was legitimate, my last valid account with XXXX would have been in XX/XX/XXXX/XX/XX/XXXX which is 9-10 years later ( past the Statute of Limitations. ) I question the validity and accuracy of this collection and I would like to be provided with all information necessary so I can proceed with necessary legal action.
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| 03/05/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been receiving letters and a voicemail message from XXXX offering a discount on a debt of {$2500.00} that needed to be taken care of. They said they were issuing a 1099C against me. I had no idea what the debt was for so I went to the website and found that it was a debt that my ex-husband incurred several years after our divorce was final XX/XX/XXXX, XXXX XXXX, TX.
I found the case online and stated that it was not my debt that I had been divorced since XXXX and requested they cease and desist contacting me for a debt that I did not owe.
In less than 2 weeks they called my husband 's phone and requested to speak with XXXX XXXX ( my ex-husband 's name ). They said they were collecting a debt that I owed and he gave me the phone.
I informed the woman on the phone that it could not possibly be my debt because it happened several years after my divorce. I only know that because I asked her what year it was from. I informed her that I had a voicemail from her company stating that they would report me to the credit bureau and IRS. She said that her company does not ever threaten to do that ( see attached folder ). I also requested that she send me some proof with my signature on it for the debt they were collecting. I have not received that from them, just papers to fill out for fraud. I can not fill out fraud papers if I do not know what the debt is for or if someone was impersonating me in the mid XXXX.
They have refused to listen to me or address my request for proof of a debt that is over 25 years old. Unfortunately I am tied to that man since I was married to him from XXXX to XXXX. After some research I did discover that he died in XX/XX/XXXX. I have had no contact with him since the divorce and do not know what happened in his life since XXXX.
I do know that the debt is not mine. I had to pay off his tax debts for the last 2 years of our marriage because he would not file his taxes.
I have received no proof that my name or signature was ever on that debt. It is not on my credit report and this company needs to be reported. I am attaching a transcript from the voicemail that stated they had filled out a 1099C tax form.
Fraud forms sent to me are from Convergent Outsourcing , Inc showing creditor as XXXX XXXX, XXXX
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| 12/02/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern : I have reviewed my credit report and see that your company ( CONVERGENT OUTSOURCING, INC ) has listed an account on my credit file with A balance. ( XXXX XXXX W/BALANCE OF XXXX ) I have attached A screenshot of the reporting reflecting on my consumer report. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
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| 07/05/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On or about XXXX of XXXX I became aware, by them calling me and my family members, that Convergent was saying that I owed them " {$1500.00} '' and I had 10 days to pay or they would forever ruin my credit. As of this date I had never received anything from them in writing and my credit was, is, PERFECT with credit scores averaging in the high 700 's ( which is extremely good ) I immediately sent them a certified letter disputing the debt which they signed for in XXXX of XXXX which was my right and I asked for proof of the debt and for them to stop harassing me and my family members. I was, and am, battling XXXX at the time and the last thing I needed where these tactics when I didn't owe them, or XXXX ( who they said they bought the debt from ), anything.
In spite of my requests they never responded.
Over the next 2 years I repeated these request for seven times and they never responded and they put it on my credit file which was wrong in many ways.
In late XXXX I contacted my US Senator 's Office and they reviewed my paperwork and said " this is wrong ''.
In XXXX of XXXX I sent them yet another certified letter, the same as previously, and this time they responded by sending me 2 pages. One was an amount, not a bill - not in compliance with the Fair Debt Collection Practices Act. for {$150.00} and the other was a duplicate bill of the {$150.00} but now they crossed it out and put in {$250.00}.
In XXXX of XXXX I received a letter from my US Senators Office directing me to ( a ) sign the papers enclosed so that they would advocate on my behalf for privacy matters and ( b ) file a formal complaint with you all.
From XXXX of XXXX through the writing of this complaint, is XX/XX/XXXX, I have had to dedicate my time to my health.
It is WRONG what they have done to me and a simple " internet search '' shows thousands of others have gone through what I have.
They never proved the debt. They never proved I owe {$1500.00}. The only thing they sent was a bill for {$150.00}. This is a matter of principle and I do not want to leave this earth with this hanging over my head.
PLEASE HELP ME and have them remove this from my credit files and issue an apology to me and be kept from ever harassing me again.
Thank you XXXX XXXX
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| 04/20/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament.
Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response??
furthermore CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code ? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( 3 ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.
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| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX : Acct # XXXX XXXX ) CONVERGENT OUTSOURING ( XXXX ) ACCT # XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
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| 01/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have been contacted regarding an account for a debt that is not mine by Convergent Outsourcing, representing XXXX XXXX for an account associated with XXXX. This account is not mine. When I informed the representatives that the debt was not valid and in the process of repeated attempts to get verification of the debt, Convergence Outsourcing/ XXXX XXXX XXXX the following violations of fair debt collection practices : 1. Representatives from XXXX XXXX, XXXX, or Convergent Outsourcing contacting my family members ( I am assuming you got this information from social media ) attempting to reach " XXXX regarding a business matter '' for a debt that is over 8 years old. - When I returned their call with my daughter, a lawyer, on line and she requested verification of the debt and an end to the calls, we were given a fake name for the person they were looking for regarding this account ( XXXX XXXX ).
2. Calls to my cell phone regarding this account where, after I denied the account was valid, I was told that they would serve me papers at work, at home, " or wherever '' by the district court which was an implicit threat to sue me on a debt that is not only not mine, but well past the statute of limitations for debt collection lawsuits.
3. Representatives from Convergent Outsourcing repeatedly refusing to provide account information to my authorized legal representative despite my giving verbal authorization for such communication and be being on the phone line during the conversation. - Convergent Outsourcing also repeatedly denied being in possession of the account to my authorized legal representative despite sending me requests for payments. - Requests for verification of this debt were repeatedly denied to my authorized legal representative with Convergent Outsourcing insisting they did not have the account despite having sent me a bill and attempting to call me regarding this account that same day!
4. Reporting of a debt that is over 7 years old to the credit bureaus. - This needs to be removed immediately as this is not a valid debt. - This needs to be removed immediately as this debt is over 7 years old.
These issues will be reported to the consumer finance protection bureau. Any further
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| 03/26/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am writing to provide a complaint that was created on my credit file on behalf of XXXX XXXX, regarding Account Number : XXXX. The item identified is inaccurate/incomplete because 1 ) I never received any mailing notification that of owing any monies to this creditor and therefore not responsible for this debt and should have not been reported in my credit file, 2 ) This account was purposely re-aged by XXXX XXXX. On XXXX XXXX I noticed this debt had been placed on my credit report as having an opened date of XX/XX/2019 with status update past due as of XX/XX/2019. XXXX XXXX re-aged this account to appear as a new debt rather then owned by a new creditor.
Below is summary of letter sent to creditor On XX/XX/XXXX : I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Floridas Consumer Collection Practices Act ( FCCPA ) whose provisions require all debt collectors to send specific written documentation verifying the debt amongst other statutory provisions. Under section 559 of the Rules/Definitions of the Florida Consumer Collection Practices Act, verification requires all the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.
Provide proof that the State of Limitations has not expired on the alleged debt, or ; Provide proof that the alleged debt/account has not be re-aged as a result of unscrupulous practices I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor.Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
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| 09/23/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Over 3 years ago I was notified through XXXX XXXX that a fraudulent account in my name was opened and in collections with XXXX XXXX in XXXX XXXX, NV.
I immediately disputed this fraudulent account with all 3 credit bureaus as well as XXXX XXXX.
I submitted the fraud claim and all necessary documentation to support said claim to XXXX XXXX at which time this debt was removed from my credit report ( s ) and no further attempts to collect said debt was made until XX/XX/2021.
I received by mail at my new address a collection notice from Convergent Outsourcing , Inc demanding payment on behalf of XXXX XXXX in the amount of {$1500.00}.
I have never resided in the State of Nevada, I resided in XXXX XXXX, CA for over 6 years until my relocation to XXXX XXXX XXXX CA on XX/XX/2021.
I attempted to resolve this matter with Convergent Outsourcing , Inc informing them this account was opened fraudulently and disputed through XXXX XXXX over 3 years ago. They refused to acknowledge and accept the information I provided to you in this letter so I contacted and filed a complaint with the XXXX.
Within 24 hours I received a call from XXXX XXXX not Convergent Outsourcing, Inc informing me they were contacted by the XXXX at which time I informed them of the above information provided in this letter. I was told they had no record in their system of said debt and I informed them it was disputed over 3 years ago and no further collections were attempted and to please contact Convergent Outsourcing , Inc and advise them this account was opened fraudulently and resolved through your fraud department and to cease any further attempts to collect this debt.
This morning XX/XX/2021 I received notification from XXXX XXXX that Convergent Outsourcing , Inc has reported to XXXX a collection account opened XXXX the amount of {$1500.00}.
This attempt to collect a debt fraudulently opened in my name in a State I have never resided in is unlawful and extremely unethical.
I am XXXX and on a fixed income. I have outstanding credit and no history of any collections and or delinquent account ( s ).
This is grossly effecting my credit worthiness.
Your assistance in resolving this matter would be greatly appreciated.
|
| 07/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Convergent XXXXutsourcing INC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX To : The Office of Registered Agent for Convergent Outsourcing INC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to repre-sent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arro-gated paperwork intrusion upon the XXXX XXXX. Courts require your contract for ju-risdiction.
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX
|
| 06/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX To : The Office of Registered Agent for Convergent Outsourcing From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
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.
|
| 05/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX 2017 I called Convergent Outsourcing and spoke to XXXX XXXX ext XXXX .. I explained to him that I a collection account on my credit report and need explaination of the debt due to me trying to buy a house I was needed to resolve this. He told me of the sum of {$730.00} and offered me a settlement of XXXX .. I explained to him that I would like for some documentation showing the debt and where the charges came from because I was unaware.. he explained to me that he would send me documentation to verify the debt in the mail. I gave him my mailing address and said that I would be in contact with him after receiving the documentation. I gave it more than 45 days to receive and never receive anything. I then proceeded to dispute this with the credit bureau because I do believe that this is unjust and after I disputed this with the credit bureau I received a letter from Convergent stating " Based on the information you provided us for your credit reporting dispute we have completed our investigation and reported back to the credit report agency '' ( letter attached ). VERY vague letter and not at all resolving the issue. First and foremost this debt was NEVER verified as a debt of mine. Second of all XXXX XXXX ( rep for Convergent ) did NOT follow protocol in sending information to myself the consumer with the information regarding the charges and balance. And also, there was NOT information given to the credit bureau except that it belongs to me and that is untrue. Fair Credit Reporting Act states that if ask the creditor or collect agency has to give documentation or proof of debt if ask by the consumer. It is unlawful for Convergent to demand payment on a account that the y have YET to p roof any information to me. I 've been a victim of identity theft and I 'm all to familiar of how this goes. I need this resolved as soon as possible in order to continue the process of purchasing a home for my family. I 'm requesting th at Convergent send ALL documentation verifying the debt from the original creditor and in the event that it is invalid that the account is closed and deleted from my credit report from all agencies.
|
| 04/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Convergent Outsourcing , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX To : The Office of Registered Agent for Convergent Outsourcing , Inc .
From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX
|
| 03/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
CONVERGENT OUTSOURCING , INC .
XX/XX/XXXX XXXX, FL XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CONVERGENT OUTSOURCING, INC. or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CONVERGENT OUTSOURCING , INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
|
| 08/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Convergent refuses to cease and desist attempts to collect false debt from XXXX. I have wonderful relationship with XXXX, whom themselves never attempt to contact me about this fraudulent debt. I have sent numerous emails, physical letters, and told them over the phone to stop calling and harassing me and that they are wrongfully contacting me. Supposed debt is well over 7 years old, as well as date the supposed case was opened against me. I do not recognize any information they provide, only responded saying that at one time I had someone wrongfully withdraw money from a paypal account years ago. But that I never defaulted on any purchases etc. Back then the money had to be IN the XXXX account for a purchase to be made so it is impossible I would be able to overcharge a credit card etc.There was a negative report on my credit report from this incident because I was never able to find proper information on the individual in order to bring them to court, they hacked several accounts of mine at the time even finding my address. However this poor mark on my credit has been long removed from all credit bureaus for several years now. Convergent refuses to stop harassing calls and letters, even going as far as contacting previous addresses/phone numbers and family members. Harassing them when asked to stop. I do stay off and on at this old residence often using it as mailing address for packages, but do not own this home nor was this the address I resided at when this dispute was created I lived in XXXX XXXX CA. They also send a statement saying they may post a negative mark on my credit score if I do not submit to their harassment and give them funds. Which considering the dispute is over 7 years old, I find to be wrongfully threatening and deceptive. Being I have spoken on phone, and sent letters mostly..As far as responses from me I only have a copy of the last letter sent to them in which they have already ignored and begun calling family members again. They do state in other letters that they acknowledge I have told them I do not owe them money and do not wish to speak with them yet continue to keep this up, I can find those in storage if necessary.
|
| 01/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
In XXXX of XXXX, I asked for validation of a debt reporting on my credit file by, XXXX XXXX XXXX XXXX . However, Convergent failed to validate this debt. Responding with a letter stating the debt was valid, along with a copy of a XXXX bill. This document serves no merit, my signature is not attached to it, nor does it has an actual contract with proof of ownership attached. However, I 'm in the process of buying a home and wanted to take care of this matter, because it is hurting my credit score. Even though I do n't owe this debt, I needed it handled. I reached out to XXXX XXXX on XXXX XXXX, XXXX to speak about handling the incorrect information on my credit report. I came to an agreement with the company to settle the debt for {$280.00}, set to come from a checking account on XXXX/XXXX/XXXX. This payment was set up by XXXX XXXX XXXX. However, on XXXX XXXX, XXXX I cancelled this payment with XXXX XXXX XXXX until further notice. As I needed to do more research on the bill. XXXX XXXX XXXX assured me the payment had been cancelled. On XXXX XXXX, XXXX an alert was sent from the bank stating a charge of {$280.00} was sent from XXXX XXXX This company initiated funds from my account without my permission! This is 100 % against the law! I have spoken with XXXX XXXX on the matter, and the problem has still yet to be resolved! Convergent is now reported to my credit report account, as legally paid and or paid less than full balance. This is incorrect information and I demand it be removed from my credit report. This incorrect information has caused a tremendous blow to my credit score, due to this inaccurate information reporting. I have spoken with XXXX XXXX management on several occasions. Head manager XXXX XXXX has not helped me in anyway! He only offered a simple, I 'm sorry and this should not have happened! It will not fix the stress this incorrect information has caused. I am requesting that XXXX XXXX, cease all reporting to my credit profile. This company is very unprofessional and untrustworthy. They have caused me grave stress from this inaccurate information reporting. Your help would be greatly appreciated.
Thank you kindly, XXXX XXXX XXXX
|
| 05/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have made disputes to both XXXX and XXXX regarding information reported on my credit file that is not correct. XX/XX/XXXX made it difficult to confirm my identity because they are relying on fraudulent accounts as verification. I have submitted several disputes and made phone calls to XX/XX/XXXX and after a re-investigation, I received an email that advised me to call XXXX for further information if I still dispute the item. When I called XX/XX/XXXX , they stated that the collection agency " verified '' that the account was in fact my account. When I asked what was the proof that they provided, I was told that the collection agency confirmed that the account in question was associated with my social security number. Well of course it is, that is what I am complaining about ; someone using my " identification '' fraudulently. That is the basis of the dispute. XXXX stated that I would need to contact the collection agency because they believe the collection agency. This is the proof? that the social security number belongs to me? I contacted the collection agency " Convergent '' and they stated that the account is being reviewed by the fraud department but it appears to be my account. I provided a police report number and information forwarded to me by the police department. The reporting agencies refuse to remove false information and I am losing money by purchasing different credit monitoring companies to gain a way to dispute these items. The collection agency states that they will send an update to the address on file. The address on file for a cable bill. I reiterated that I never have lived at that address, let alone the city where the fraud occurred. Where is the proof from these companies. I must show the burden of proof, not them. I was never notified of a bill, therefore a collection was reported on my credit file without my knowledge, and now that I know there is such a collection, they ignore the facts that prove it is not mine. I have researched the address and found the name of a person who lived there during the time of the fraud. Neither the reporting agencies or collection agencies perform due diligence.
|
| 03/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
on XXXX XXXX, i sent a letter to convergent asking them to rescind the money that i paid them and the information below : CONVERGENT OUTSOURCING, INC ATTN : XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Alleged Debt Amount Balance ( Paid ) : {$150.00} Dear CONVERGENT OUTSOURCING, INC : I rescind all payments on the above-listed alleged debt that were paid to you as they were in error. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me You illegally collected the above-listed alleged debt and took payment on a debt that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification.. Finally, send a check payable to the order of XXXX XXXX XXXX for the {$150.00} paid to you in error. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information thereto. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
cc : Consumer Financial Protection Bureau via fax XXXX
|
| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX between XXXX and XXXX I requested to close my XXXX account. Two weeks later my account was still open and they said I have a balance due. I pay the balance and requested my account to be closed. About Two weeks later I received a new bill. The bill stated that I owe {$60.00} when I logged in to pay the bill the bill total was {$68.00}. I paid the bill the reference number is XXXX. I asked XXXX to provide proof that my account was closed and they sent me an email That did not represent XXXX. I told them I would like to close my account and every time I wanted to close my account they added a new bill. I paid the new bill and they never close the account dragging it for two months. This has caused me a large amount of stress I even stressed to XXXX that I do not want my stuff to go to a collection agency so I would like to pay everything and close my account. I received a bill on XX/XX/2021 and on XX/XX/XXXX, my account was sold to a collection agency which is less than 30 days and I am really confused because the bill was paid. The manipulative tactics they used on me for two months as I beg them to close my bill. This Has caused me so much stress to where I cant sleep or eat I am always thinking about why my account is not closed and why wouldnt they close it even though all bills were paid and nothing was the due. Every time I requested to close my account they added a new bill. Ive been requesting to close my bill from XX/XX/2021 to XX/XX/2021. Why does it take two months to close an account upon request even though account is paid in full? I it is unfair manipulative and deceptive for XXXX Not close my account on XX/XX/2021 and drag my account for two months forcing me to pay What I dont owe In order to close it. How do you send me a final bill on XX/XX/2021 and it was sold to a debt collection agency before XX/XX/2021? Im really confused and I think this is very manipulative I am literally XXXX because of XXXX. When I called XXXX close my account, they asked me if I would recommend this service to friends and family and I told them no and They falsely made a debt and sent it to the collection agency a few weeks later.
|
| 01/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My complaint is about convergent outsourcing. On XXXX XX/XX/2022 I placed a call to this company to settle a debt. Once I called them I explain to them what I was looking for they agreed to settle the debt. I ask if they could do a pay to delete a negative mark off of my credit. They told me no however they could settle the debt for a cheaper amount. And update the credit report that this debt was paid in full and had a zero balance. I agreed and paid {$1400.00} on a {$2600.00} debt. I was told in 5 to 7 days I would get an email letter showing that this debt was paid. That never happened. I called back six days later just to re-verify that this was going to happen they assured me that I would get this letter the next day. It never happened I ended up calling this company back maybe five or six times looking for this letter. My last call to them about the letter I refused to hang up until I got the letter in my inbox. Which was successful. Upon reading the letter the letter does not state that the balance was paid in full it just states that I made a payment which was not told to me that thats how that that letter would read. Once I checked my credit they did send an update to the credit bureau but the only update that they sent was the fact that I had pay {$1400.00} and that I still owe the balance of {$1100.00}. This company completely misrepresented what they were going to do for me just to get my money. I called back today which is XX/XX/2022 to inquire about getting this rectified. I was hung up on twice and once I called back I escalated the call all the way up to the manager. The manager got on the phone and try to get me to pay {$1100.00} In order to get the letter to state what I needed. He also went in to explain the different services that they offer when making a payment. And I explain to him that no one ever mentioned anything like what he was mentioning to me on this call. I told him that the clerk that took my payment misrepresented what they were going to do for me. I have all of these calls recorded and willing to share them for proof. If someone can contact me I would love to explain in detail over the phone. XXXX.
|
| 11/22/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX i received a bill from XXXX stating i owed them a phone bill in the amount of XXXX. I asked them what the charges were, they mentioned it was for non returned equipment and for contract cancellation charges. I mentioned to them that the sales person at the XXXX NH XXXX XXXX on XXXX XXXX told me that i did not have to return the phone, i went in there due to my phone was broken and the sales person told me i was eligible for an upgrade so instead of paying the charges for the insurance i could get a free phone. I agreed to the transaction, when the transaction was completed i then asked the sales person to take the old phone he then told me that i did not have to return the phone i could keep it as a spare or throw it away. So i did not return it based on the trusting words from the salesperson. He worked there they trusted him to wait on customers and to guide them so i went with his suggestion of just keeping the phone. During that time i had given the phone to my daughter which she had lost, i then called and spoke to the Manager and he said that there was no one there that would give that advice. I was then very frustrated after receiving this large amount refusing to pay it to due the sales mans instructions. I contacted customer service and they did not comply so i told them to cancel my account and i was not paying them for cancellation fees or non returned equipment due to how i was mis-informed they then proceeded to bill me. So i have been disputing and disputing and had to luck. I then on XX/XX/XXXX sent them a letter to the collection agency XXXX XXXX XXXX located in XXXX WA asking for verification bearing my signature stating i had a financial obligation the them, they complied within the 30 days with a bill that was already in my possesion not bearing my signature of any contractural obligations regarding my signature that i have ever signed with them. I then sent them another letter on XX/XX/XXXX letting them know they failed to provide me with a copy of any viable evidence bearing my signature which they did not respond. I then contacted them via mail on XX/XX/XXXX and still no response to my request
|
| 06/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I have a pdf file containing all correspondence. The pages below refer to that document.
1- XX/XX/XXXX. Received a document from Convergent ( pages XXXX and XXXX ) saying I owed XXXX XXXX {$100.00} 2XXXX XX/XX/XXXX. Replied to Convergent, emphasizing that I have not done any business with XXXX Bank, and asked about details ( page XXXX ). I also inquired by phone to the XXXX Bank about the account given. There was no such account in the bank.
3- Convergent replied on XX/XX/XXXX ( page XXXX ). They sent some documents ( pages XXXX, XXXX, XXXX and XXXX ). The address of the account was given as XXXX, XXXX We never lived in XXXX XXXX XXXX XXXX showed the address as a wooded area, no building ( pages XXXX and XXXX ).
4- XX/XX/XXXX I sent a letter to Convergent ( page XXXX ), emphasizing the wrong address, and gave some examples of XXXX XXXX that I found in XXXX . I specifically asked how they contacted me, from all the names and locations, this question was not answered.
5- Convergent replied on XX/XX/XXXX ( page XXXX ), suggested that I go the XXXX XXXX Web site, and complete an affidavit. I went to the suggested Web site to find an affidavit, but could not find it ( page XXXX ).
6- I sent a letter to XXXX XXXX on XX/XX/XXXX ( page XXXX ). I emphasized that I never lived in Georgia, I did not have any business with the XXXX Bank, and asked for a remedy.
7- XXXX XXXX replied on XX/XX/XXXX ( page XXXX ) and they suggested an affidavit for ID theft. This is not ID theft, since the address is not correct, and therefore this is not me. They suggested obtaining the affidavit form from their Web site ( see XXXX above ).
8- I assumed that the matter was closed. Then on XX/XX/XXXX I received another document from Convergent ( XXXX XXXX and XXXX ), very similar to the first XXXX. They said that I should dispute it by XX/XX/XXXX.
9- I replied to Convergent with a letter on XX/XX/XXXX ( XXXX ), and with a filled slip ( pages XXXX and XXXX ), saying I will not pay.
10- As if I did not send the letter and the slip, saying I will not pay, Convergent sent me another document on XX/XX/XXXX ( pages XXXX and XXXX ), saying " pay half ''.
|
| 08/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
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XXXX is trying to collect an old debt not owed. XXXX charged me for an extra month of television service that I did not receive. I had already cancelled the account where I was an excellent customer for two decades with XXXX and its predecessor XXXX XXXX. The amount involved is {$100.00}. XXXX is reporting this amount to XXXX and XXXX keeps reporting it on my credit report and neither XXXX nor XXXX will listen to me and remove it. I am over XXXX years old and though this may seem a small amount to some, it is a large amount to a senior on a fixed income. XXXX has been abusive to me in phone calls and has been extremely abusive when I have talked to XXXX 's corporate office located in XXXX. I am also a victim of the XXXX Data Breach so you would think XXXX would be responsive to false reports on my XXXX Credit Report, but they are not. Both firms think because I am a little old lady I don't count and their employees can be abusive and push me around because they work for large firms and are not accountable to anyone. This money is NOT OWED, and THIS DISPUTE IS OVER SEVEN YEARS OLD, but every time XXXX sells this account to yet another collection agency, XXXX reports a much later date for this false debt. Now it is being reported as just having been incurred in XX/XX/2019, when in fact goes back over 7 calendar years ago! XXXX, please remove this false debt from all three credit bureau reports. XX/XX/XXXX and XX/XX/XXXX have already removed it, but XX/XX/XXXX continues to torture me and refuses to remove it. I have talked to lawyers who are ready to sue XX/XX/XXXX and also XXXX in a class action suit over this with many other plaintiffs involved, not just me. I want this XXXX collection account immediately removed from my credit reports from XX/XX/XXXX, the only credit bureau still reporting this false information. Thank you to the Federal Government for your help with this! It seems as if you are the only one who cares about the little people. PS Both XX/XX/XXXX and XX/XX/XXXX have already investigated this and removed it from my credit report, while XX/XX/XXXX where I am a victim of their data breach, refuses to remove it.
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| 11/25/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have attached Identity Theft Report and Police Report Two crimes happened : Cyber criminals took my info from XXXX, XXXX XXXX Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) Convergent sent me a letter on XX/XX/XXXX to collect a debt that does not belong to me nor have I ever stayed at the address that is on the bill they sent me via bill.
The letter states that are trying to collect a debt that is owed to XXXX XXXX XXXX.
Convergent Account XXXX XXXX I sent a debt validation letter dated XX/XX/XXXX A notice to dispute this fraudulent debt 1. Send me a original documents with my ( signature ) listed on it 2. According to Fair Debt Collection Practices Act I requested evidence in support of this claim 3. Providing a copy of all paperwork that show I agreed to pay what they say I owe 4.Provide a a verification or copy of any judgment 5. Prove the Statue of Limitations has not expired on this account 6. Show me that you are licensed to collect in my state 7. Provide me with their license number and Registered Agent or Agent of Service at this time I will also inform you that if their offices have reported invalidation information to any of the 3 major credit bureaus ( XXXX, XXXX, or 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 this company or the company that they represent, I will not hesitated to being legal action against you for the following : 1. Violation of the Fair Debt Collection Practices Act 2. Defamation of Character If they continue to report inaccurate information they are in violation of section 809 ( b ) of the FDCPA and FCRA rule 611 and subject to a fine of XXXX per violation which I intend to pursue Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA I requested written verification of the debt with my SIGNATURE on it and they sent me a copy of someone's bill ( see attached document )
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| 12/05/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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A collection company, Convergent, the 2nd collection agency employed by XXXX XXXX, has been sending letters and contacting me even after I told them this account is in " Dispute Status '' with XXXX XXXX. I have chat, phone call & certified letter evidence that XXXX XXXX was notified this account is in dispute and the reasons why were documented and sent to them in multiple ways. They still sent this to Convergent for collection. Convergent reported this on my credit reporting & did not list it as " disputed ''.
Notice of Billing Dispute XXXX XXXX XXXX cell # XXXX XXXX XXXX XXXX XXXX Account # XXXX Disputed Amounts : 1 ) {$510.00} erroneously added to my XX/XX/2022 bill for International Roaming Data usage. This was caused by an error by XXXX XXXX. I called in XXXX oXXXX XXXX to turn off all International Roaming & International Calling Plans due to unhappiness with the costs and functionality issues. XXXX XXXX agreed to suspend all international data usage but failed to do so.
2 ) {$350.00} Promotional Chargeback listed after my account was moved to XXXX in XX/XX/2022. I am being charged some form of early cancellation fee for a Gift Card that I never received or used. I was month to month with no early termination penalties in my contract with XXXX XXXX. In addition, you put me under duress by threatening to suspend my cell ph # service. My cell ph # is needed for my work. This constituted a Breach of Contract and is why I was forced to drop XXXX as my carrier for cell ph service.
XXXX XXXX, No Final Payments will be made until you correct the above-mentioned issues. I dispute 100 % of both charges listed above and any additional collection, early termination or any other charges XXXX XXXX attempts to make up. In addition to XXXX XXXX receiving this Dispute Letter, a copy will also be sent via certified mail to all 3 credit repositories, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX was given every opportunity to fix these errors. Instead, you chose to try to bully me into paying an erroneous disputed charge at the threat of having my cell ph # suspended. XXXX breached our agreements.
XXXX XXXX XXXX XX/XX/2022
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| 12/16/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Placed for collectionsXXXX Date updated : XX/XX/2020 Amt : {$870.00} Disputed : XX/XX/2020 XXXX : File # XXXX, dated XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Placed for collections : XX/XX/2020 Date updated : XX/XX/2020 XXXX Amt : {$870.00} XXXX Credit Reporting Agency : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct Name : XXXX XXXX XXXX # XXXX XXXX : {$870.00} Disputed on XX/XX/202XXXX XXXX # XXXX On XX/XX/2020XXXX XXXX XXXX XXXX, sent a letter of collections on the same XXXX account of {$870.00} offering to settle for XXXX XXXX of the outstanding balance or {$690.00}.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXXXXXX XXXX XXXXXXXX Mail to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX After disputing a collections account to both, XXXX and XXXX Credit Reporting Agencies, I received a response from XXXX XXXX XXXX XXXX, stating : " This debt is valid, attached is verification of the debt.
Note : A partial bill encloses with the above response incorrectly states that the date of billing is XX/XX/XXXX- XX/XX/2020. As provided above, this debt collection goes beyond the XX/XX/2020 date as this debt collection had been in dispute before that above mentioned date. So the dates provided in XXXX XXXX is in error and should be removed on that standing alone.
The amounts provided by XXXX are also in error, stating an amount of {$870.00} and not the original amount as provided in all of the above documented items.
i am compelled to believe that XXXX XXXX is generating documents that have been fabricated and are falsified.
I am a XXXX year old man with a XXXX XXXX, XXXX and XXXX XXXX XXXX on continued medication. I do not need to be focusing on continued deceptive debt collection practices.
The response received from the debt collector appears to be fabricated, Dates are incorrect. No signature of contract.
Please see if you can help me out on this matter. I am available at the below indicated cell phone number or at ( XXXX ) XXXX. My email is : XXXX XXXX
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| 08/22/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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This letter is regarding an account that's reporting since XX/XX/2017, which you claim I owe {$240.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
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| 04/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally.
XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service.
XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.
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| 05/02/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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So i signed up with XXXX because they told me they would give me a {$50.00} gift card. They never did. I called and asked about it and they said i had to fill out a form online. I did that. They still didnt give me the gift. I called again and they acted like nobody ever spoke to me or like i never called. They asked me to fill the form again. This was now a couple weeks after i opened my XXXX phone account. Never received the gift. I called again, again they acted as if it was the first time i called but stated the promo was over. Well i stayed with them for a few years but didnt like the service so i switched to XXXX. In order to do so i called XXXX to cancel my account and the agent said i would have to pay the rest of the month bill. I said fine. Then following month i received another bill. I called XXXX and they insisted i pay. So i tried to raise a complaint and the rep said she can take half the payment which was {$35.00} and it would settle the account. So i paid the {$35.00}. Which was half, and was told the account was settled. I recieved anothet bill for the other half. When i called they said to pay, i explained my previous agreement and the rep said ok, just disregard the bill. She said it was an auto generated bill and not to worry. Then i was contacted by XXXX or debt collector. Im not sure. They offered to settle for {$39.00}. More than the original amount, or i will have to pay {$43.00}. Well i told my story again. They said it wasnt valid and i said they would send me a letter to dispute i would have to send a letter as well and they would mark the account as refused. Well i then received a bill from convergent outsourcing inc . Asking me to pay XXXX. So i called and they refused to tell me anything unless i gave my social or date of birth. They would tell me where to send dispute or give me any info at all. I confirmed my account number with them but they said they cant tell me anything without me confirming my private info. Well its only XXXX but its a broken system. Companies doing whatever they want and not being held accou table. It was deceptive, unfair, and abusive.
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| 04/20/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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After recently noticing an account in Collections on my credit report from Convergent Outsourcing, I contacted them to obtain more information on XX/XX/XXXX. I informed that I was disputing the account as I did not have any information and requested information to verify the debt. After not receiving any correspondence, I contacted them again on XX/XX/XXXX to confirm they had the correct mailing address and email address and requested the info also be sent via email to expedite. On XX/XX/XXXX, I contacted the company twice, spoke to a representative named " XXXX '', verified my name and full SSN. I informed her of the reason for my call. However, she declined to assist me or transfer me to the appropriate department because I was unable to provide the amount due on the account and disconnected the line both times. During that interaction, I offered to verify me by other information. Later in the day, I contacted Convergent again, and spoke with a representative and requested for this account to be deleted and from my credit report because they failed to provide any information within 30 days per the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The representative eventually transferred me to a supervisor named " XXXX '', I again explained the details in which he informed me the account would not be deleted until the account was paid in full. He also stated if I wanted more info I could call the original creditor. I explained to him, I am contacting them directly because they are the company who is reporting to the credit bureau and they are required to provide the requested information. I inquired about any validation information that was sent to me by them, in which he informed me a letter was sent to an address that I was not associated with and emailed to me ( confirming my correct email ). I advised that I am not associated with that address and I also provided my correct address and email when I initially spoke with them in XXXX. Why was it sent there. Additionally, he provided dates in which I searched all my email " folders '' and no email was received by Convergent.
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| 08/05/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I purchased cellphones and a cellphone plan with XXXX XXXX XXXX XXXX in our agreement i paid for unlimited service and the cell phones in installments all on XXXX plan XXXX payment per month. in the beginning of XXXX i attempted to pay my cell phone plan. instead of paying my service plan XXXX paid the cell phones off and disconnected my service. i assumed this was a mistake do to there automated system. i called and wanted them to fix the problem i explained that i did not authorize such payment. the payment i sent was to be applied to the service plan as agreed upon in contract and they would not fix this problem.
I am a XXXX and the phone number tied to this account has all of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i tried to just get the phone number and they would not agree to release the phone number to me. The phone that i purchased from them that is paid in full is still locked to this day so i had to purchase another one as well as service with another provider. Now as of XXXX they have furnished a XXXX collection account on my credit through convergent outsourcing without notifying me of such debt. i explained to them that i had no knowledge of debt. i don't understand where they get that amount from. i have attempted to get my payment records and original contract from them for proof and they are giving me the run around.
I have reached out to both XXXX ( XXXX ) and convergent outsourcing to clear this up and remove it from my credit. XXXX ( XXXX ) has all of this in there notes as well as on recorded lines and through there mobile app.
I have been dealing with these issues for over six months. My credit is damaged because of this. This has cost me money. they are causing stress in my life. this is interfering with my constitutional right of " life liberty and the pursuit of happiness ''.
In accordance with the Fair Credit Reporting act XXXX ( XXXX ) has violated my rights, 15 USC 1692g validation of debt, 15 USC 1692h they made a unauthorized payment not in accordance with my direction.
Convergent Outsourcing XXXX, 15 USC 1692g validation of debt
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| 05/16/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have no idea who CONVERGENT OUTSOURCING INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CONVERGENT OUTSOURCING INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CONVERGENT OUTSOURCING, INC as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ CONVERGENT OUTSOURCING, INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to CONVERGENT OUTSOURCING, INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 12/05/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I writing because I pull my credit on XX/XX/XXXX found out about this collection from CONVERGENT OUTSOURCING Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter CONVERGENT OUTSOURCING they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) Your office has failed to respond to this validation requested documents stated in the validation letter 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..Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
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| 09/15/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Debt Collection agency called " Convergent '' mailed me on XX/XX/XXXX that creditor : XXXX XXXX placed a debt of {$80.00} against XXXX XXXX XXXX.
I contacted Convergent in XX/XX/XXXX first week that I don't recognize these charges as I moved out from Arizona in XX/XX/XXXX, where I took services from XXXX & I cleared all my dues & made all payments on time. So, I need to check with XXXX & asked Convergent to put this on dispute. Convergent said till the dispute is sorted out, they will not report this debt to any Credit agencies.
I contacted XXXX XXXX Collections department to discuss this matter and they informed me it is a reporting error from XXXX 's end and I don't owe anything towards XXXX equipment. The charges will be reverted by XX/XX/XXXX and I should inform Convergent about it not to report this debt to any Credit agencies. I wrote 4 times to Convergent email provided in there letter received via mail, but have not received any response.
On XX/XX/XXXX I generated XXXX credit report as it was required for my rental home application. I was disappointed to see that Convergent reported this wrong & disputed debt as I owe {$80.00} towards XXXX XXXX.
I called Convergent to report why they reported this as debt to XXXX credit agency when this matter is in dispute? and I already clarified that XXXX confirmed this is a reporting error from XXXX side. They said it will be reverted as {$0.00} in 40 days & can't explain why it was reported to XXXX They also confirmed that I don't owe any debt.
I feel ashamed that my landlord agency questioned me about this debt in my rental application & said they have to rethink about my application. I think this will be reported to any credit card agencies as well if I apply for credit cards or bank accounts.
My intention to complain is such agencies like Convergent should not be allowed to report wrong debt collections until matter is in dispute and when I am constantly updating them with latest developments. Ultimately, it was mistake of XXXX as reporting error and Convergent to report to credit agencies. I was not at mistake.
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| 12/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX attempted to collect for a 2 year contract after 3.5 years of service, said contract expired 1.5 years prior ; and was month to month with them.I had warranty coverage & XXXX told me to call them about my lost phone.Warranty co. stated : XXXX warranties are only for 2 years on any phone, but they collected thru my Billing Statement at $ XXXX every month for 3.5 yrs., even after warranty on phone had long ago expired.They then billed me for violating a contract at a supposed pro rated amount of XXXX. Next month and when called the # on back of bill ; new charges showed up on bill, but different amounts when I called them. I am severely XXXX, XXXX condition and XXXX told me : It does not matter. The only way you can resolve this is : Go to your nearest store, which is 2.5 miles from my house. Every time I called XXXX about the issue, I continued to get differing amounts and they could not explain the amounts. They refused to try to fix it and sent it to collections, and the phone agents could never explain the charges ; and stories differed each time you called ; but I do not owe them a penny. They collected on an expired warranty and they sent it to a few collection agencies, and they continue to harass me on my cell phone, which I use 1 day a week if need to go out anywhere ; store or Doctor appt. I never have received a billing statement from the XXXX different collection agencies that have called, which I know that after calling me in XXXX they must send a copy of a Bill in dispute within 5 days. T Mobile has been sued and involved in Class action Lawsuits over the same issues and lost both times ; but they must still be making much more than a Class action Lawsuit cost them, for I know they took a big hit in XXXX XXXX XXXX. I am trying to get them with others in another Class action suit and take it to XXXX, XXXX, to file it in my State for XXXX will cost them the most, and hit them harder than any other State in the US. This should have been stipulated in the prior Suits ; but they continue to cARRY ON Business and Fraud in the same manner as prior to the Lawsuits.
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| 03/01/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was a XXXX customer who moved my mobile number over to XXXX. Immediately after moving my number over, I attempted to log on to my XXXX account to cancel it and pay my final bill only to find I had been immediately locked out of the account and got an error message that stated that there was no mobile number on file. I called XXXX in an attempt to ensure the account had been closed and to pay my final bill. I was told by the XXXX representative that I would need to wait until the billing cycle closed and to call back on a particular date, and would then be able to pay the pro-rated bill over the phone. My wife called in after that date and paid the remaining balance in full and was told she'd receive an email confirmation. We never received one. Eight ( 8 ) days later, we received a notice in the mail from a 3rd party collection agency, Convergent Outsourcing , inc . I called XXXX about the notice and they confirmed the account was paid in full and there was no record of having turned it over to Convergent. XXXX stated that even though the account was closed, they weren't able to provide me with a receipt for the phone payment I made, or, any documentation to confirm closure of the account and suggested that I contact Convergent. The next day I called Convergent, and after being given four ( 4 ) different phone numbers to call within that agency with nobody finding a record of the notice they sent me, I finally was able to speak to someone who confirmed that the account was inactive, and there was no dept or balance due. However, they refused to send me judgement or verification of the dept, even though on the notice it states that if I contacted them within 30 days of receipt of the notice, a copy would be mailed to me. I spent 53 minutes on the phone and spoke with 5 different people including a supervisor to get to that point. As a consumer, I find it extremely troubling to be put in a vulnerable position of no written proof of closure, and having to rely on the same people who erroneously generated the dept collection notice to have competently resolved the issue.
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| 06/01/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear CFPB Staff : I would like to remind you of a fact you are already well aware of : the collection agencies are arrogant, refuse to follow the law and they respect no authority. They feel they are above the law despite paying out millions in fines and court-costs.
This is my story about how dirty the collection agencies are.
On XX/XX/XXXX, I disputed, via Certified-Mail with Return Receipt, a XXXX account in the amount of {$180.00} with XXXX XXXX XXXX, XXXX, of XXXX, XXXX. I have proof, via the tracking number and the signed returned receipt, that XXXX XXXX received my communication on XX/XX/XXXX. I did not receive any response from them, and in about 3 weeks or so the derogatory was gone from my credit report. I was, of course, very elated.
Here comes the bad part, at least to me. About a week ago I saw, with great shock, the same XXXX collection account appear on my XXXX credit report under a different collection agency name. Then about 2 days ago it appeared on my XXXX credit report too. The new collection agency is : XXXX XXXX : XXXX, based in XXXX, XXXX. Can you believe that? How dare they do this? This is a blatant and flagrant violation of the FCRA and FDCPA. Since the original collection agency could not collect on the 'fake ' debt they sold it to another collection agency. This new collection agency, XXXX XXXX, lied by stating that the last activity was XX/XX/XXXX. This is a blatant lie.
I am kindly requesting you, the Consumer Financial Protection Bureau to help me in this matter. Tell them sternly that both the above collection agencies broke the law by their actions. Please order XXXX XXXX to delete the derogatory account from my XXXX and XXXX credit reports immediately. Show them some teeth and some authority. Let them know who is charge here. You are the federal agency ; you wield plenty of power. You know how dirty and unethical these collection agencies are. The people running collection agencies have no heart or compassion. They are quite XXXX people you know.
I thank you, CFPB, in advance your time and effort in this matter.
I remain.
|
| 01/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received a notification that a collection account had been added to my credit report. The company is Convergent Outsourcing, and according to my credit report, the alleged company they are collecting on behalf of is XXXX. Over the past 6 months, this account has appeared on my credit report under several collection companies, including XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC on XX/XX/XXXX regarding this matter. Furthermore, as far as this Convergent Outsourcing account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, 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 Convergent Outsourcing offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform Convergent that if their office continues 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 this negative mark 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 XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
|
| 07/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 09/03/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 05/21/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 10/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XXXX XXXX XXXX, I received a letter dated XXXX XXXX XXXX from Convergent Outsourcing attempting to collect a dept totaling {$440.00} for the creditor XXXX. I have never used XXXX 's services, and had not previously heard of the company. The debt breaks down as follows : {$210.00} Equipment fee, and XXXX service fee.
I called Convergent Outsourcing on XXXX XXXX XXXX to inquire about the debt and was informed that XXXX is a cable service provider. Convergent informed me that XXXX provided service to an account opened in my name, using my social security number, to the address of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. Service ended XXXX XXXX XXXX and Convergent Outsourcing was contacted to collect the debt. I have never lived in NY, nor have I ever had any business at the aforementioned address, nor have I corresponded with XXXX to provide service. I informed the Convergent Outsourcing representative of this and that the debt was the result of fraudulent activity. The representative then agreed to mail me a fraud package to complete and return to Convergent Outsourcing.
After contacting the collection agency, I contacted XXXX on XXXX XXXX XXXX and was told that the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. The representative informed me XXXX would wave the {$210.00} equipment fee, and contact Convergent Outsourcing, but I have not yet seen evidence of this. XXXX refused to wave the {$230.00} service fee.
On XXXX XXXX XXXX, I contacted XXXX, an identity monitoring service that I use. XXXX XXXX recommended I call the three credit bureaus to freeze my credit, which I did that same day. I'm currently working with a credit restoration specialist from XXXX provided by XXXX. The credit restoration specialist has opened an investigation into the matter and will be contacting Convergent Outsourcing on my behalf.
On XXXX XXXX XXXX, the credit restoration specialist recommended I file a complaint with the Federal Trade Commission via their website. The FTC site then directed me to the Consumer Finance website to finalize the form.
|
| 07/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, My name is XXXX XXXX XXXX.It ALL STARTED BETWEEN XXXX AND XXXX ON THIS COMPANY XXXX XXXX TRYING TO COLLECT A PAYMENT OF OF CABLE BILL I NEVER APPLYIED FOR OR EVER HAD RESIDENCE AT THE HOME WHERE THE CABLE WAS TO BE SET-UP. HOW THEY GOT MY INFORMATIOIN IS BECAUSE I DISPUTED MYSELF ON THEIR WEBSITE AND FILLED OUT A IDENTITY THEFT APPLICATION WITH THEM THAT SOMEONE AT THAT RESISDENCE FRAUDULANTLY USED MY NAME. I XXXX XXXX XXXX CALLED THEM NOT OR USED ANY CREDIT CARD NUMBERS TO GET THEIR SERVICE OR THEIR PREPAY BY CREDIT CARD PROGRAM THEY HAVE THAT WILL AUTOMATIC TAKE MONEY OUT OF MY CREDIT CARD. I TOLD THEM I NEVER LIVED AT THAT HOUSE OR ORDERED NOTHING FROM THEM I HAD MY OWN PLACE OF THEY WITH CABLE. I TOLD THEM THE ORIGINAL PERSON WHICH USED THEIR CELL PHONE AND CREDIT CARD MADE THE PURCHASE OF THAT CABLE FOR HIS USE NOT MINE. THE CREDIT BUREA AND THE COMPANY ITSELF INVESTIGATED AND NEXT THING I KNOW XXXX XXXX WAS DELETED FROM MY CREDIT REPORT NUMEROUS TIMES OF SOMEONE BEING PERSISTANT ON MAKING ME PAY FOR SOMETHING I NEVER CALLED FOR NOR USED. AND I HAVE NOT SEEN THEM ON MY REPORT SINCE.NOW ITS 'S XXXX AND I RECEIVED NOT A BILL FROM THE ORIGINAL COMPANY I SO CALLED OWE AND THEY OR WHOMEVER OF THIS COMPANY AGAIN HAS WITHOUT WARNING OR ANY NOTICES PLACED ME TO THE CREDIT COLLECTIONS CALLED CONVERGENT AND THIS IS THE SAME COMPANY THAT WAS DELETED AND THE REST WHOMEVER KEEP PLACING TO THE CREDIT COLLECTIONS. I AM TIRED OF THIS AND I AM TIRED OF THIS SCAM AND THIEVERY OF GETTING MONEY OUT OF ME OF SOMETHING THAT DONT BELONG TO ME. NOW, THEY TRYING TO COLLECT XXXX FROM ME AS A DISCOUNT FROM A XXXX CABLE BILL THAT I SAID IS NOT MINE .PERIOD.PLEASE HANDLE THIS FOR ME. AND INVESTIGATE WHY I AM BEING HARRESSED SO OF SOMETHING IS NOT MINE BY THIS COMPANY OR COLLECTION AGENCY FOR WHICH I ALSO SPOKE TOO LONG AGO.IT 'S BEEN A ALMOST 2 YEARS OR 1 1/2 YEAR THEY HAVE NOT BOTHERED ME AND BEEN DELETED FROM MY CREDIT REPORT UPON NUMEROUS INVESTIGATIONS AND HERE I GO AGAIN WITH THESE PEOPLE. I AM ANGRY AND VERY TIRED OF THIS XXXX, NOW.HELP.SINCERLY XXXX XXXX XXXX.
|
| 07/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 05/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I discontinued services and closed my account with XXXX on XX/XX/XXXX. I received an email confirmation from XXXX on XX/XX/XXXX confirming that they received my request to cancel services. My last payment in the amount of {$170.00} was made on XX/XX/XXXX which brought my balance to {$0.00} owed.
I called XXXX customer service on XX/XX/XXXX to confirm that my services had been, in fact, canceled and to ensure my account balance was still {$0.00}. The customer service agent said there must have been a mix up at XXXX as it was still showing that the account was open on her end. The support agent " canceled the service again '', gave me a cancellation # and confirmed my account was showing a credit of {$220.00}.
On XX/XX/XXXX at XXXX I went to my local XXXX store to return my equipment. My customer support sales person was XXXX XXXX. He opened my account details and it was still showing that my account was NOT canceled! Because I had the supporting documents that showed I had canceled my services on XX/XX/XXXX, XXXX was able to backdate the account to reflect the cancellation date of XX/XX/XXXX. He took my equipment to send back to XXXX, printed out my receipt and made copies of the shipping labels and advised me to " keep copies of the receipt and shipping labels as XXXX has a tendency to claim they did not receive the equipment ''. I have all receipts, labels, and correspondence on file.
I thought everything was fine and issue was resolved until I received my first notice of debt collection on XX/XX/XXXX for {$180.00} from XXXX XXXX on behalf of XXXX. I immediately disputed the claim in writing and sent copies and supporting documents to XXXX XXXX, XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX.
I didn't not receive any response back and again assumed issue was resloved.
I just received a second debt collection notice from a different company, Convergent Outsourcing Inc, on behalf of XXXX for the amount of {$180.00} on XX/XX/XXXX. I have written to Convergent, again disputing the claim and asking for proof of what debt XXXX claims I still owe.
|
| 06/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
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.
Please provide the following : 1 Agreement with your client that grants you the authority to collect on this alleged debt.
2 Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
3 Any insurance claims been made by any creditor regarding this account.
4 Any Judgments obtained by any creditor regarding this account.
5 Name and address of alleged creditor.
6 Name on file of alleged debtor.
7 Alleged account number.
8 Address on file for alleged debtor.
9 Amount of alleged debt.
10 Date this alleged debt became payable.
11 Date of original charge off or delinquency.
12 Verification that this debt was assigned or sold to collector.
13 Complete accounting of alleged debt.
14 Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. 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.
|
| 08/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice in the mail yesterday, 7/31/19, from a debt collection company called Convergent. They stated I owed my former XXXX office, XXXX XXXX XXXX, XXXX. I have not been to them in 2 years. I immediately called XXXX XXXX. They have no record of me owing that much or that anything on my account was sent to collections. I researched Convergent, who for all intents and purposes, look like a legitimate debt collection agency. I called them to settle the matter. It took over an hour for me to get through to the correct department. When I finally spoke to a rep named XXXX, he was very hostile from the start. They have this collection dated for my last appointment 2 years ago. Convergent says my debt was sold by XXXX XXXX to a company called XXXX and Convergent is trying to collect my debt on behalf of XXXX. Despite this, they could not give me contact information for XXXX. I reported this debt as fraud to them and tried to call XXXX XXXX back but they were closed for the day. I then called my previous health insurance company to check what my last claim for XXXX XXXX was. They said that I had a copay and a deductible which, again, were not anywhere near the amount Convergent is trying to collect. When I got through to XXXX XXXX the next morning, they told me the amounts that they had on file for my last payments. Those amounts did not match the XXXX at all and they were marked as paid. They said they don't deal with either of those companies for debt collection. They deal with XXXX XXXX XXXX and gave me the number. XXXX XXXX XXXX says they have no record of any debt I owed on file and they do not buy or sell debt. When I contacted Convergent again, I was bounced around until I finally landed with a woman named XXXX. She said the account has been marked as fraudulent and they will contact me after they look into it. I don't understand how you can "buy debt" and have no way of tracing it back to its original source to verify if it is true or not! My credit and my sanity are taking a hit because of a XXXX debt that no one has any record of!
|
| 12/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX was a middle man for {$260.00} I accidentally took from my own account to deposit in my account. XXXX was used as XXXX or XXXX.
I wanted to borrow {$260.00} credit from XXXX to deposit in my XXXX checking account.
Unfortunately I did not realize I had it set up for XXXX to pull from my checking account and then deposit the money into my account.
I realized it I had made the mistake within seconds. I called XXXX to have them cancel that transaction before they process. My call was unsuccessful, the customer service agent stated he could not cancel the transaction due to the fact that it was done with my bank and the transaction was in process and I would need to reach out to my bank. I did so, my bank stated they would give me a credit while they investigated the transaction. I was informed if they found the transaction was a correct transaction they would pay XXXX and charge me, the investigation would take 10 days.
I did not get charged for it. My XXXX was negative {$260.00} from the canceled transaction. I called to ask XXXX how this was a charge. They would tell me a supervisor was going to speak to me and they would leave me on hold for over 45 minutes and the line would cut off. This repeated itself three times.
My mother had a XXXX account and has been paid off for a little over {$4000.00}. The collection agency is under my mothers name after we paid off XXXX upfront.
The {$260.00} was an erroneous charge and needs to be rescinded.
If it was ever a valid charge it shouldve been under my name, not my mothers.
Ive called the collectors and asked for verification of the original transaction and to validate the debt. The collector stated they would send me a copy. I was sent a letter that read XXXX has validated the debt. That was not verification.
I wrote to the claims department via email and have called them as well, I was sent a letter stating attached is the verification.
It is not verification. I am attaching the letters they sent me. Please help me. This is not mine or my mothers debt and now it is affecting her credit.
|
| 02/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
I applied for a credit card in 2015. When I was notified of my score by that institution, I knew something was wrong with the lower score and applied for a free credit report from XXXX since this was the agency used by the financial institution. XXXX showed a past due debt of {$400.00}, originally over {$600.00}, to XXXX. My TV and internet service are with XXXX, however, I have paid them on time every month. I then called XXXX to learn more about the debt, especially since I have never received anything from them of the debt. I was informed the debt originated in XXXX IL by someone with my name and SSN but the acct number does not match mine in TN. Over the course of 8 months, I have spoken with at least XXXX XXXX personnel and faxed info to prove my identity and residence to various phone numbers only to be told they did not receive it. I even filed a police report and sent a copy of that in case this was an identity theft issue. I disputed the reporting with XXXX but got nowhere. Now the account is with Convergent Collections who wrote me a letter this month. I have responded to that letter making them aware I will not pay a debt that is not mine and gave them a history of tasks I have done to prove this. Today, I again, faxed the same/additional info to XXXX after speaking with a rep named XXXX. I feel this is an internal error with XXXX as I have monitored my credit reports and there are no ill reports on my bureau. In the time that has elapsed, if someone had stolen my identity, there would be more than a past due XXXX bill in the report. I can not get anywhere with anyone from XXXX to help with this issue. I have requested a copy of the past due debt from XXXX and Convergent and disputed the debt again with XXXX. I am XXXX yrs old and have always paid my debts on time. My credit score has always been excellent. I do not deserve to have to deal with problems such as this. These huge companies should not be able to ruin peoples lives. If XXXX has a debt I owe, they should be willing to produce a bill or notice of proof. Please help.
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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On XX/XX/2022 I submitted a dispute against Convergent Outsourcing Inc. On XX/XX/202XXXX Convergent Outsourcing Inc. stated that the account information disputed meets the requirements of the FCRA XXXX Convergent Outsourcing Inc, illegally reported my information to unaffiliated third parties without giving me any disclosures. Pursuant 15 USC Sec 6802 Convergent Outsourcing Inc is required by federal law to give me three disclosures, I have not received documents containing the required disclosures pursuant 15 U.S.C Sec. 6802 ( b ). Convergent Outsourcing Inc., is in violation of many other federal consumer laws. I did not give Convergent Outsourcing Inc permissible purpose under 15 U.S.C Sec. 1681b ( 2 ) to furnish this information on my credit report. Without my written consent Convergent Outsourcing Inc. is committing aggravated identity theft pursuant 15 U.S.C Sec. 1681a ( q ) ( 3 ). By furnishing this debt to my consumer report to coerce payment is a violation of 15 U.S.C Sec. 1692d ( 4 ). As a federally protected consumer, I know that my consumer report shall not include a report containing information solely as to transactions or experiences between the consumer and the person making the report pursuant to 15 U.S.C Sec. 1681a ( 2 ) ( i ). If the consumer report does not include transactions or experience, this account should not be on my consumer report. Having this negative account on my report does not make my consumer report equitable to me which is also a violation pursuant to 15 U.S.C Sec. 1681b. If Convergent Outsourcing Inc. continues to report account to my consumer report, they will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C Sec 1028a, extortion and theft by deception. This is my final attempt to have this matter rectified before pursuing legal matters. If Convergent Outsourcing Inc. would like to continue committing fraud and unlawful criminal activities, this matter can be further discussed in federal court where I have no intentions on pursuing any monetary amount.
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| 06/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.
Here again, is the incorrect information being reported : Convergent / Acc. # : XXXX / Bal. {$720.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further.
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more.
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
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| 02/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
- UNITED STATES MINOR OUTLYING ISLANDS
- XXXXX
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Web |
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XXXX XXXX XXXX, herein known as " Consumer ''. Convergent Outsourcing IncXXXX are herein known as " third party junk debt buyer ''. On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar.Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal . App. 3d 1092, 1098,223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & SuretyCo., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ).
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| 01/16/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Servicemember |
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I received a letter from Convergent Outsourcing Inc out of XXXX Washington attempting to collect on a debt on behalf of XXXX XXXX. The letter was a settlement offer letter of {$2300.00} out of a {$6600.00} debt they say I owed. I contacted them on XX/XX/XXXX and filed a dispute. I did not remember ever having an account with XXXX XXXX, so I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX in their auto charge-off section. They indicated that I had an account at one time, but there was no data on file for it. It was during that conversation I figured out the debt stemmed from a lease that was broken in XX/XX/XXXX, which was also the date of last activity, or DOFD. I know this date, because it was the month I was XXXX and XXXX until XXXX. It is old enough that they have no record of it other than I had an account with them at one time. XXXX did state that they closed their file out in XXXX. At the time they closed it out it was 11 years old. XXXX also indicated they had no idea whom Convergent was, or the company convergent said sent the file to them. The name of that company is named XXXX XXXX. I called Convergent back to inform them of the information I had discovered and they were less than cordial.
I researched both collection companies, XXXX and Convergent. Upon doing that I became increasingly concerned about the future of my credit. I know how difficult it can be to fix a credit file having worked in Banking for over a decade. I decided to file a complaint. There are many people that would be bullied by companies like this that prey on the uniformed public, know those debt are both uncollectable and not subject to judgement. Their letters clearly state that they will report it and may take action including legal action.
I have sent a written dispute top them, an email dispute to them, and filed one Verbally. I am now filing a complaint against them.
Convergent Outsourcing Contact Info : Convergent Outsourcing XXXX XXXX XXXX XXXX, WA XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Please do what is right! What is correct and honest! If I have to pay something I will do it. ( This is not a valid bill ). But this is a fraud! I'm very honest person, serving at XXXX XXXX. Please help me! This company : XXXX XXXX trying to get money from people. 2 years ago I had a serious problem with this fraudulent company. And I didn't report them. Now I have to! They reported a false collection to XXXX. Why false? Because they don't have enough proof. They don't have details, or an explanation showing step by step where the bill came from ... Here 's the information : Original Creditor Name : XXXX XXXX ; AMOUNT {$150.00}. I had no idea! I didn't know anything about that. I contacted them, they sent me a fake bill that anyone could make it very easily using XXXX or any XXXX App.. I also had to contact XXXX and you know what? They didn't have any details of where that {$150.00} came from ... After fighting with CONVERGENT and talking with many people they removed that false collection from my Credit Report. ( On XX/XX/XXXX ). On ( XX/XX/XXXX ). I saw on my credit report the same collection again that it was removed from my Credit Report 2 years ago! How was possible? If the collection was removed 2 years ago? I felt so bad ... Do I have to call the police or what can I do? I don't know if it's a joke or what? ( IF THE COLLECTION WAS VALID, IT MUST BE ON MY CREDIT REPORT FROM XX/XX/XXXX ... BUT IF THEY RECOGNIZED AS AN INVALID COLLECTION AND IT WAS REMOVED FROM MY CREDIT REPORT IS BECAUSE IT WAS AND INVALID, FALSE COLLECTION CONSIDERED AS A FRAUD BY XXXX ). And I also asked to this fraudulent company ( XXXX XXXX ) today XX/XX/XXXX Why they are not doing what the law required? They must send me a letter, notice and give me 30 or 60 days to respond to your letter, but they DIDN'T SEND ME ANYTHING ... I also request them a bill, but not a fake bill created by them, but a real bill with details, and they refused. They didn't have an answer when I asked them why they are against t law ...
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| 08/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I called Convergent Outsourcing INC ( XXXX XXXX XXXX XXXX XXXX Wa XXXX ) about XXXX different potential negatives showing up on my XXXX report. The dates were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. When I called I was transferred to XXXX different people asking for help because nobody could pull up the information for me. The last one was ridiculously rude. All she would tell me was to call XXXX. I asked for a XXXX phone number and some sort of reference number. She said " I ca n't do anything for you CALL XXXX! '' then hung up. I had called XXXX last year when we refinanced our house and this was suppose to be taken care of and was not. XXXX apologized at the time for somebody else in their system that was clearly not me using my SS #. Now I have credit agencies that are allowed to ding my credit with NO PROOF I did anything wrong and NO PROOF they even tried to contact me to resolve it. How is this our credit rating system?? Companies can just go around reporting negatives against me with no proof, and it costs me hours of time to fix and they have no accountability to give me info to resolve it? Seriously??? Somebody needs to follow up on this Convergent Outsourcing Inc . They are terrible. The other company I found reporting potential negatives on my report was Diversified Consultants IN ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). They put information on my credit report XXXX/XXXX/XXXX. I called them and they would give me absolutely no information. Asked me for my SS # and name and phone number and said they would remove the info. So again somebody is free to just post information on my SS #? Nobody contacted me what so ever about this unpaid bill that is now lingering on my report. This is beyond ridiculous. I have a credit score in the XXXX 's and pay all my bills on time. There is no recourse for me to get back all the time I have wasted defending my credit, but these companies are free to post whatever with no proof of me doing anything wrong. We need this fixed ASAP!
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| 04/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, Convergent Outsourcing , Inc. a collection company, began to report a collection account to my XXXX and my XXXX reports, claiming to have a debt that belonged to me from XXXX for a cable bill in the amount of {$560.00} that I allegedly owed from XX/XX/XXXX. On XX/XX/XXXX, I sent a letter to Convergent Outsourcing , Inc., asking them for proof of the debt and asking for the proper documentation that actually validates the debt. In response, they only sent an itemized list of charges, but they did not give me a signed contract or any other documentation that properly validates the date. On XX/XX/XXXX, I sent another letter to Convergent Outsourcing , Inc., again asking for proper proof and validation of the debt that they said that I owed. I also asked that they remove the debt from any of my credit reports ( namely XXXX and XXXX ). Again, they sent the exact same letter with the same information as the 1st letter. I also disputed this information with XXXX and XXXX during XX/XX/XXXX through XX/XX/XXXX, and both credit bureaus reported the collection account with Convergent Outsourcing , Inc. as verified, but I was never given information about how the debt was verified from either Convergent Outsourcing, Inc. or from either bureau, even though I asked. During XX/XX/XXXX, I also sent a letter to Convergent Outsourcing in which I offered to make a lump sum payment of a specific amount ( without acknowledging that the debt belonged to me ), if in return, this information would immediately be deleted from my reports, However, they have not responded to me at this time, and I am no longer willing to consider paying anything to Convergent. I am asking is that Convergent Outsourcing either properly verifies the debt or immediately remove this information from my credit reports. A copy of the response letter that was sent to me from Convergent Outsourcing will be attached. A copy of the last two response letters that were sent to me from both XXXX and XXXX will be attached.
|
| 04/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/2020 I've sent a letter to XXXX disputing and requesting the removal of debt Convergent Outsourcing. XXXX reported the account as verified. On XX/XX/2020 I sent another letter to XXXX disputing the same account in concern requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they may have on file of the accounts listed. XXXX could not supply me with any document with verifying proof but yet again they stated it was verified as accurate.
I have also sent letters out to Convergent Outsourcing requesting validation of the account claiming that I owe any obligation to them. Not only have Convergent Outsourcing ignored my prior requests for validation of debt sent by Certified letter # XXXX XXXX XXXX XXXX XXXX XXXX delivered & signed receipt on XX/XX/2020 at XXXX, but they continue to report this debt to the credit bureaus causing damage to my character. A second letter was sent to Convergent Outsourcing on XX/XX/2020 formally advising that I believe their company has violated several of my consumer rights. Specifically, Convergent Outsourcing failed to validate a debt and again blatantly ignored my request, which is a FDCPA violation and yet they still continued to report a disputed debt to the Credit Bureaus : another FCRA violation. As we all are aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean Convergent Outsourcing agrees with me that this debt is false. I will use the Estoppel in my defense.
I also specifically stated that I expect to receive the proof requested within 15 days of the letter sent on the XX/XX/2020 letter which they again ignore my request for validation of debt.
Today I will be sending out my final letter in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D to XXXX prior to seeking legal damage if my concern is not rectified by the removal of the dept from my credit report.
|
| 10/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In CFPB report # XXXX ; Convergent Outsourcing made the following Statement '' " Convergent Outsourcing has ceased collection activity on behalf of this account. We will request that our this account be removed from the credit bureaus information for. A copy of your complaint will be forwarded to our client for further review. We do not own this account and therefore we can not guarantee resolution. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department by Email at # XXXX should you require further assistance. Kind regards, Compliance Representative at Convergent Outsourcing , Inc. '' Convergent Outsourcing has failed meet their expectation of providing " a fraud packet '' ; in addition we will also mail you documents obtained from Eversource validating the balance that they state is owed ; Convergent Outsourcing has ceased collection activity on behalf of this account. We will request that our information for this account be removed from the credit bureaus. '' Furthermore, Convergent Outsourcing violated 809. Validation of debts by failing to provide a notice of debtin a timely manner prior to the closing of the card. By self admission, Convergent Outsourcing failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such.
|
| 12/24/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
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I was contacted by phone from Convergent right before or around the 7 year date of past due payment to XXXX. I owed approximately {$9000.00}. They did n't tell me I had a right to dispute. They offered for me to settle with them at a reduced rate, of which I had no funds to provide. They said I could work out a payment plan monthly. I told them I could n't afford to pay much back in payments monthly because since XXXX I had been on XXXX. I also told them I know it is my responsibility to pay it back. I wanted to pay it back too. Then I told them I was n't working and had no idea when I would be returning to work. I have n't had substantial earnings having tried several places of employment only to have symptoms return and have to quit the job. Holding employment XXXX for XXXX or less. I 'm working now since XXXX of XXXX at only XXXX a week as that is all my XXXX and I know that I can manage.
For the month of XXXX XXXX Convergent did n't take my auto-pay payment and did n't contact me. This payment is taken on or about the XXXX of each month since, I think, XXXX XXXX. I have paid back close to XXXX already. They may have not taken auto-pay because in XXXX I reported a lost or stolen debit card and the XXXX sent me a new one with different debit card #. I called to explain this to Convergent on XXXX/XXXX/XXXX after receiving my XXXX statement but I could only leave a message as the call was n't taken from me. In addition, I called to let Convergent know that I have recently found out that they can not collect XXXX for payment of collections. I am fearful they will take more money from me now that this month of XXXX XXXX the {$150.00} garnishment from my Bank account was not processed, which they may believe is intentional on my part. This would break any phone agreement we made in XXXX.
I 'm also contacting you to ask, " Can they take this money from me legally? '' And, " Who can represent me if they are n't allowed? '' Thank you for reviewing and responding to my concerns.
|
| 04/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The mentioned debt was a result of a early termination fee ( {$440.00} ) imposed by XXXX as a result of an Satellite dish that was installed improperly, ultimately causing a poor signal. The poor quality is also documented in my contract with XXXX, however claiming that " the customer was ok '' with this quality. Also, my digital signature on the signed contract was illegally duplicated without my knowledge, which can be demonstrated by a erroneously stray mark.
I contacted XXXX on XX/XX/XXXX to terminate my agreement based on false advertisement and improper installation however was told that I was responsible for the charge since I signed the contract. I then attempted to file a formal dispute with the office of the president of XXXX on XX/XX/XXXX however received no response or follow up. As a result, I filed a formal dispute through my credit union and XXXX of the charge, which ruled in my favor as of XX/XX/XXXX due to no representation provided by XXXX.
I was later contacted numerous times by Convergent Outsourcing ( debt collector ) on behalf of XXXX to recover the mentioned charges. In my correspondence, I explained to the convergent Rep I was not responsible for the charge as it has already been disputed by XXXX and based on the fact that I was receiving poor quality. This charge was later reported to the XXXX major credit bureaus.
As a result, I filed a dispute through XXXX, a authorized identity restoration services provided by the Office of Personnel Management, to remove the charge from my credit report. After submitting the supporting documentation, all XXXX major credit bureaus removed the charge by Convergent Outsourcing.
Later on XX/XX/XXXX, I received a separate notice from XXXX requesting payment for {$440.00} as a result of an unpaid balance from XXXX, This message also indicates the charge may include equipment fees, despite being told by XXXX that the equipment should be discarded after installation as XXXX will not accept returned equipment.
|
| 12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I received a letter on XXXX XXXX, 2015 from Convergent Outsourcing to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. Convergent Outsourcing responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, XXXX, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, XXXX has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; one day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.
|
| 06/21/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
I am filing another complaint against XXXX XXXX XXXX XXXX XXXX for the third time. My first and original complaint was on XXXX XXXX, XXXX and the case number is XXXX. My account had been submitted to XXXX XXXX and my complaint resulted with them ceasing all collection efforts. My second complaint filed was on XXXX XXXX, XXXX and the case number is XXXX, This time it was placed with XXXX XXXX XXXX XXXX. I became aware of them when a summons was placed against me and my mother. My complaint against them, through CFPB, resulted in a notice of discontinuance.
In this third complaint, my account has/had been placed with Convergent. XXXX XXXX wants to settle XXXX percent of my total balance due. However, have they taken into consideration of the harassment, I have undergone for almost 10 years? They are asking me to settle for {$17.00}, XXXX! Never mind all the harassment I 've received as early as XXXX! Never mind that my first complaint resulted with XXXX XXXX ceasing all collections efforts! Never mind that my second complaint resulted with a notice of discontinuance on behalf of XXXX XXXX XXXX! In addition to having received this letter, I have been getting phone calls from ( XXXX ) XXXX. Most of the calls are sent to my voice mail and the person never leaves any messages. So. I am back to being harassed once again!
Yesterday, I received a letter from XXXX of a " Notice of Acceleration. '' I do n't know if this is in reference to my account with XXXX XXXX XXXX or not. I do not recognize the account number from XXXX which is : XXXX while the XXXX XXXX XXXX account is : XXXX. These companies continues to switch things around and currently this account has been placed in default! I am sick and tired of this! What about my rights? What makes them think that I am obligated to make a settlement when they have been harassing me off and on for such a long time? If anything, I should be the one compensated for especially now since they have placed this loan in default!
|
| 04/16/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
|
| 03/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021, a debt collect agency, specifically Convergent Outsourcing, placed a collection on my credit report in the amount of {$980.00}. I immediately called Convergent and was informed by Convergent that the debt was not in my name, XXXX XXXX, but instead was listed under XXXX XXXX. Convergent initially refused to discuss the debt with me stating, 'the debt is not in your name, therefore we can not discuss someone else 's debt. ' I explained to the Convergent rep that I'd been a victim of identity theft and demanded the immediate removal of the account from my credit report.
After demanding to speak with management, I was transferred to XXXX XXXX. XXXX requested a copy of my Identification and social security card stating she needed it to clear the debt from my credit report. I sent XXXX the documents requested. XXXX then, without my permission, shared my identifying NON PUBLIC information ( photo ID and social security number ) with the original creditor.
Several days later I received an emailed letter from Convergent Outsourcing, under the name XXXX XXXX. The letter stated that the collection would be removed from my credit report and it was removed days later.
Consequently, Convergent Outsourcing has since indulged in DECEPTIVE TRADE practices by attempting to use the identifying information requested from me to place the illegal account, which does not belong to me back on my credit report.
It is well settled that Convergent Outsourcing did not have in their possession adequate or accurate information to place a delinquent account on my credit report and after being informed the information they had on file did not match my identifying information, Convergent participated in fraud by obtaining my identifying information, sharing it with an unknown creditor and attempting match the or transpose the identifying information which would facilitate Convergent in willfully and fraudulently placing the fraudulent account back on my credit report
|
| 04/21/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am writing this to dispute the XXXX XXXXXXXX charges on my credit report.
I was a customer of XXXX for several years. Early in the year 2016 I received a bill of approximately {$1200.00}. I immediately called XXXX to dispute the charge. The first customer service representative informed me it was some international call made from my then XXXX XXXX XXXX XXXX phone. I immediately reminded the representative that every phone on our account was blocked from all international calls. After checking the system, he noticed and confirmed the block. He then informed me the charges will be removed, he just needed the manager to authorize it.
XXXX weeks later, I called to confirm the charges were removed. I was told they were unable to remove the charges and did not have an explanation as to why not. I then inquired where these calls were made to since the numbers looked very strange. They could not tell me exactly where, but suggested XXXX. After informing them we would never make any calls to XXXX ; and reminding them about the international block again, I was told to give them some time to investigate.
This went on for XXXX months, I paid the difference on the bill until I had had enough and told them to cancel our service. The service was apparently only " interrupted '' for another XXXX months but was never disconnected. I received a bill for over {$2000.00}. I called to inquire about the charges, and was told the services were not disconnected, but just " interrupted. '' After I played a recording of the last conversation where I disputed the charges and requested they discontinued services, I was told they could not stop services then.
Since then, XXXX can not give me an explanation about the calls, about the international block, or why they did not disconnect the phones when I requested they do so. Every year since for XXXX years XXXX recalls the debt, and assigns it to a new collection company puts it back on my credit report and re-aging the debt.
|
| 10/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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In 2018, I closed my XXXX account over the phone with a representative because I moved. Few months go by, I received a alert that XXXX reported me to collections for a balance of {$500.00}. I contacted XXXX and found out the original rep that I initially spoke with never cancelled the account leaving it open to accumulate a balance. I advised XXXX that I called in to cancel and I returned the equipment. XXXX validated that the account should have closed and the equipment was received and the account balance would be adjusted. I disputed the debt and it was removed from my credit profile.
A year later, I received another alert for the same debt with XXXX but with another collection agency. I disputed the debt and it was removed from my credit profile. This year in XXXX, I received another alert for the same debt. I contacted XXXX to see why this keeps getting reported. Nothing was ever adjusted. After, hours on the phone, no one was able to really help me. I had no other choice but to contact XXXX XXXX XXXX through social media which I have in writing that they adjusted my account and the account is at {$0.00} balance.
This past month, I get another alert for the same debt. I contacted the collection agency and advised them that this is not valid and XXXX should have adjusted the account. I was advised by a rep at the Collection agency that XXXX adjusted the account but left the account $ XXXX cents. The rep advised that since there is a balance left it will still be reported as unpaid.
At this point, I have made several attempts to resolve this issue and have no resolution. I have no choice but to file a complaint on this issue. I never received notification from XXXX of ever having a balance and was sent to collections multiple times. This inaccurate reporting affected me financially as it lowered credit score. I am currently trying to buy a home and with this inaccurate reporting it is causing me to pay more on my mortgage and my closing costs.
|
| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, XXXX XXXX XXXX. XXXX. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 05/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I contacted the collection agency Covergent Outsourcing and XXXX XXXX XXXX on XX/XX/XXXX to report that several fraudulent accounts ( amts {$420.00} & {$530.00} which either appear on my credit report or on their systems do not belong to me. I notified these entities that I am a victim of identity- theft and that the information that they have on file does not relate to any transactions I have made. The addresses that they also have associated with these accounts are not addresses that I recide at nor have I ever recited at. I did not give anyone authorization or consent to use my personal information therefore the utility company should have never established these fraudulent accounts. I requested for an investigation to be completed and for these negative items to be removed from the collection agency records and my credit report. An agent by the name of XXXX from XXXX XXXX opened several fraud dispute cases for me on XX/XX/XXXX. I was told by XXXX XXXX that they would be Investigating these fraudulent accounts in addition to getting them removed from my credit report and the collection agency. I was also told by XXXX at XXXX XXXX that someone from their dispute department would be contacting me. I have not been contacted by either entity as of XX/XX/XXXX. This item still appears on my credit report without any resolution.
On XX/XX/XXXX & XX/XX/XXXX all three credit reporting agencies ( XXXX, XXXX, and XXXX ) were notified that my identity had been stolen. I filed several disputes to correct and remove - names, addresses and collection debt items from my credit report that do not belong to me. I requested a freeze to placed on my credit report and fraud alerts have been placed as well. Once again, I did not give anyone authorization or consent for them to use my personal information. I am a victim of identity-theft and I am disputing these fraudulent accounts that either appears on my credit reports, Covergent Outsourcing and/or at XXXX XXXX XXXX.
|
| 03/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have sent multiple letters/request to collection agency and the 3 credit bureau 's for validation of amount owed. ( {$500.00} ) First one to collection agency was delivered XX/XX/XXXX, waited 30 days, did not get a reply. Sent follow-up letter on XX/XX/XXXX, delivered XX/XX/XXXX as to why I did not get a reply to my validation request and that they are violating FDCPA.. then all of a sudden I received a response letter on XX/XX/XXXX ( dated XX/XX/XXXX?! ) with a photo copy of a itemized bill from creditor dated XX/XX/XXXX. ( I guess this is the no response/delayed response sent for first letter. Still was outside of the 30 days allowed.. ) I replied the next day and had to send 2 of the same letters, ( 1 was never delivered, lost in USPS system in collections agency zip code since XX/XX/XXXX, the replacement second letter was mailed weeks later, XX/XX/XXXX and delivered on XX/XX/XXXX informing them that a bill does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation and cited case law as fact and proof. As of this writing I just received the exact same itemized bill dated XX/XX/XXXX as well as a second itemized bill dated XX/XX/XXXX. That letter sent by the collection agency for some reason is dated XX/XX/XXXX, the same day my last letter to them was delivered! Strange! Don't know if that was a response to my letter that was delivered on XXXX XXXX.But because of this non-compliance from collection agency and the 3 credit bureau 's , this negative acct is being reported continuously by all 3 bureau 's as updated & verified. I am currently in dispute with them for this acct. I also informed all 3 bureau 's that I have contacted the collection agency multiple times to validate debt, which they have not. Letters that were sent to collection agency were also sent to the 3 bureau 's with tracking info as proof of me asking collection agency to validate. I now have to ask the CFPB to investigate & help me with this.
|
| 10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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In XX/XX/2020, I was contacted by XXXX XXXX at Convergent Outsourcing regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor.
XX/XX/2020 XXXX Convergent Outsourcing XXXX Spoke w/ supervisor Spoke with Mr. XXXX, who identified himself as supervisor for Convergent Outsourcing. I explained to XXXX that during my conversation with a Convergent outsourcing Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. Mr. XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour.
XX/XX/2020 XXXX Called Convergent Outsourcing due to not hearing from Mr. XXXX yesterday. Spoke with representative who stated she will ask supervisor to call me as soon as possible.
XX/XX/2020 XXXX Mr. XXXX called me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that Ms. XXXX neve
r used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. I have disputed this account with all 3 major credit bureaus an
d XXXX XXXX then updated the account to Charge Off. They refuse to remove this account.
|
| 09/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
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In XX/XX/2018, I ended my 15 year relationship with XXXX. A few years prior I had negotiated getting every channel for {$100.00} a month. When this offer ended I switched my service, and I wound up paying various amounts every month from XXXX to nearly XXXX a month. In XX/XX/2018 XXXX approximately ) I called XXXX to cancel my service, since I used to get every channel for {$100.00} a month and I was now paying almost 2.5x 's more while getting far fewer channels. The lady I spoke with said she could put me back on the {$100.00} a month for every channel plan, so I agreed. About two weeks later I got a letter from XXXX telling me they wouldn't honor the deal I made with one of their representatives. They attached an agreement to this correspondence saying they could do it for {$150.00} a month, and they wanted my signature on the agreement. As soon as I was able XXXX a couple of days ) I took all the equipment in my housed brought it to the XXXX store nearest my house and cancelled my service. About a month later I received a bill from XXXX for termination fee. They have never stopped.
Other than my I initially started my service with XXXX, I never signed an agreement with them. All deals were made over the phone, and I was never late nor ever missed a single payment. I don't owe XXXX anything. They broke the deal, not me. They then had the audacity to send this bogus charge off for debt collectors, who constantly harassed we and my family. Now they have sent a Major Derogatory alert to the credit bureaus, damaging my excellent credit rating that took me years to build.
I owe XXXX nothing. I hope the CFPB can force XXXX and Convergent Outsourcing to retract the Major Derogatory from all the major credit bureaus, and once and for all cease and desist from harassing a former loyal customer just because that customer finally decided to end their association with their greedy corporation.
Thank You, XXXX XXXX XXXX XXXX XXXX.
XXXX, MI XXXX
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CONVERGENT OUTSOURCING is falsely reporting on my credit with a Balance of XXXX and Account number XXXX. CONVERGENT OUTSOURCING is a debt collector. They committed identity theft on me. This account is falsely reporting and violating my rights and the fair credit reporting act. Pursuing to 15 U.S. Code 1681d- Disclosure of Investigative Consumer Violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( XXXX ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in writing and mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested. Pursuing to 15 U.S.C 1681 section 602 A. States I have the right to privacy. I request to be provided proof of this alleged debt, specifically the original contract and instrument bearing my signature with CONVERGENT OUTSOURCING. Failure to show results on this alleged debt should be deleted from my credit report as soon as possible. Under federal law, you have XXXX days for a reinvestigation. I will also be seeking monetary relief per violation for : XXXX. Defamation of character XXXX. Negligent Enablement of Identity Fraud XXXX. Violations of 15 U.S.C 1692g. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX 1995 ), you may be liable for your XXXX non-compliance. I respectfully request that your office provides 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 XXXX major credit bureaus ( XXXX, XXXX, and XXXX ), this action might constitute fraud under both federal and state laws.
|
| 06/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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( THE SELECTION OPTIONS YOU PROVIDE DID NOT FIT ) A dispute on the 3 cra XXXX, XXXX, and XXXX was initiated in XX/XX/XXXX for an alleged bill claimed to be owed to XXXX for the alleged amount of {$330.00}. I had disputed this bill numerous times and with XXXX, regarding not being properly credited for a closing bill they claim the billing is correct I still dispute it as I believe I owe far less more like under {$100.00} if anything. I was not notified in writing ( not that I can recall ) that this debt had been forward to convergent outsourcing acting as a third-party collector on behave of XXXX. Convergent started collections and reporting on my credit reports, Long story short after their numerous attempts to collect, for the full amount or 50 % they were trying to extort out of me, management ( per XXXX ) agreed upon an amount of {$130.00} on XX/XX/XXXX, they were supposed to send me a written agreement which I requested before I would pay in full the agreed upon amount, on XX/XX/XXXX they finally sent a written agreement via email, with an error, the due date was the next day XX/XX/XXXX and this was not discussed with me, so on XX/XX/XXXX I called and spoke with XXXX XXXX and asked her for a corrected settlement agreement in which, I was assured it would be sent to me shortly. on XX/XX/XXXX I called asking where was the written agreement and that I would pay the XXXX that day instead of honoring the written agreement with the wrong due date, they chose to try and bait and switch me to pay a higher amount. My concern is since I have a written agreement and they will not honor it, how can I be sure that they will honor any agreement we come to and pay XXXX including reporting this debt as being paid. I do not want to be scammed after paying an agreed-upon amount and then this collection company pulling a bait and switch again and going after me for more money, I thought anything in writing is supposed to be a legit agreement.
|
| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX, I had identity theft and told XXXX what happened because everything was done online and my social security card, birth certificate and my D.L was stolen and somebody bought phones and lines in my name so I told XXXX and filled out there claim and they contacted me back and said we investigated and we are dropping this, however I have cleaned up my credit and even settled for less for things that are not mine and than XXXX shows up 3 years later saying I owe them XXXX which I thought was taken care of, so now there is a 3 month old bill that is really 3 years ago so it looks really bad on my report. I explained to XXXX 3 times and they keep saying is its denied because XXXX says its validated. I contacted XXXX and they said they were investigating but I don't trust anybody anymore I need this deleted or I will settle for less just to clear this but the date is not right. It docent take 3 years to put a report in that should be suspicious to the credit agency. also I need help so that nobody puts anything else on my report I need action taken because I still have inquires that are coming up like 45 and they are incorrect, XXXX, XXXX and XXXX said they would take care of these but its not happening. I have worked so hard to get this better, I pay my car almost double payments for 1 year at 28 percent and I need to refinance but I can't and I also have two credit cards that have never been late but I can't apply for new correct, my husband and I are trying to open a business and we can't if we don't get approved because they check credit so please assist me and ask the credit agencies to please properly investigate and take these inquires off. I got a car, they said there would only be 1 ding well there are way more than that and all the new ones except like 3 are not mine because I am scared to apply. I would never apply for XXXX XXXX ever again, or XXXX or XXXX, these credit cards charge annual fees. Please help me Thanks
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
On XX/XX/2017, I ended my service with XXXX. I paid my final bill and there was a small balance left over for the devices that I had under a payment plan.I remained in consistent contact with XXXX and the bill for those charges came due on XX/XX/XXXX. On XX/XX/2017 I called to discuss arrangements for the bill. I 'm waiting on my new phone carrier to provide me with the funds to pay XXXX out, but in the meantime I understood that my bill with them was due so I called and asked for a settlement since I do n't even have ownership of the phones anymore. Each representative that I spoke with on that date acted as if they did not understand what i was asking for. On Monday, XX/XX/2017, I received a call from Convergent Outsourcing on behalf of XXXX stating that my account is now in collections. I immediately called XXXX to inquire about why they sent my bill to collections without any warning or notice. My bill just came due at the beginning of the month and they are in violation of Section 806 and 808 of the Fair Debt Collection Practices Act. They had no right to send my account to collections. According to a customer service representative with XXXX, they sent the bill to collections on XX/XX/2017 and can no longer speak to me on my account. It is ironic that ONE day after I called to make arrangements on the account I all of a sudden am being sent to collections. Someone either assumed that I was n't gon na pay or sent to me to collections because I asked for a settlement and I did not ask them to do that. They can ruin my career of this were to go any further. I settled the account yesterday with XXXX XXXX at Convergent Outsourcing. She promised to send me a letter immediately confirming that the account has been paid in full. I have not yet received it and every time I call back I am told a different story. This is a complete nightmare that would have never happened had XXXX not broken the FDCPA when dealing with this account.
|
| 07/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2015, I received an alert from a credit monitoring service that I subscribe to that I had an open collection with Convergence Outsourcing Inc. for the amount of {$290.00}. I immediately contacted Convergent and spoke with XXXX XXXX, who informed me that XXXX had sent this account to collections. He stated that I had cable services at XXXX XXXX XXXX XXXX, XXXX, IL. I explained that I have never lived at that address, nor did I ever have services. I explained that I have never received any correspondence notifying me of any debt and this is not my account. I 'm in the process of purchasing a home and ( this account that does not belong to me ) could possibly ruin my chances of becoming a home owner.
I then called XXXX at XXXX and spoke with XXXX. I provided her with my address and she stated that there was no record in the system. I then provided her with my social security number and she again confirmed that there was nothing in the system except for my name, I asked her how does one get services she said through social security number, she too said that this was very odd. My question is how did this credit collection agency get access to my credit file and destroy it if there is not an account in XXXX system belonging to me?
Convergent has destroyed my credit, my score plummet XXXX points, and I 'm in danger of losing everything that I have worked so hard for to purchase my first home. My credit file was in great standing. I have no knowledge of this account. I need this account to be removed immediately. This company is using deceptive practices and ruining my credit score and credit file.
I 'm literally XXXX days away from purchasing my first home, and this negative mark on my credit may have destroyed my dream, thanks to this fraudulent company and their disregard for FCRA.
I just want this information removed. I have worked to hard to maintain my good credit for this collection agency to take it from me.
|
| 09/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I purchased a new phone from XXXX XXXX in XXXX of 2021. It was purchased at a company XXXX uses called ( XXXX ). The lady that sold me the phone deceived me with lies about XXXX giving me XXXX dollars for my old phone and promising me a XXXX gift card in addition to the sale of my old one. I didn't realize until after I had gotten home that I was duped out of my old phone because the receipt didn't show the XXXX dollar credit for my old phone. I couldn't go back because the place was closed and I was already informed that once my old phone was turned in I wasn't able to get it back. Days later I received an email about what my bills would look like and it was outrageous. A lot more than what I was quoted. I called customer service to get an explanation about the bill and the money I was suppose to get for my old phone. Reality set in that I was scammed out of my old phone when the lady told me the XXXX dollar GIFT card was the only thing I was getting for my phone. Not only that but when I was purchasing my new phone from XXXX I specifically asked the lady that sold me my new phone if the the card was a Visa so I could purchase anything I wanted, but it was not. The card could only be used for XXXX products. After three months of frustration, bad service and dropped calls I decided to pay off my phone and cancel XXXX all together. In retaliation XXXX sends me a bill for a month of service that I didn't use because they always bill a month in advance and they also want me to pay back the XXXX dollar ( GIFT ) card that they gave me. After refusing to pay they sent my bill to a collection agency called ( Convergent ) out of XXXX, Washington. These people have been calling me nonstop for weeks, sending letters and several emails. since I didn't respond they have resorted to harassing my wife by calling her too. I hope that no one else falls victim to this XXXX scam and I hope the CFPB can rectify this and get XXXX off my back.
|
| 01/11/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/XXXX I began to attend XXXX XXXX XXXX XXXX and a loan was opened through a student loan company called XXXX XXXX. I decided to drop out of school because XXXX XXXX XXXX XXXX was a terrible school where students were not taught anything, there were several fights between the students, and students had to learn everything on their own. That school still decided to charge me and my mom separately and we both paid off our debt with XXXX XXXX by XX/XX/XXXX. Until this day, that loan shows up on my credit score as " paid off ''. Since I did not complete the program, I was left with a loan amount of {$1700.00}. That was the agreement between the school and I so I paid it off late, but I eventually paid the amount that was agreed upon. Since then, I have received letters from different collection companies trying to charge me crazy amounts of money that I never agreed to pay. I have been able to report them and they have been removed from my credit because it turns out they are scammers. Today, however, I received a letter in the mail from a company called " Convergent '' charging me {$9400.00} from the Original Creditor : XXXX XXXX XXXX XXXX I have never heard of this company before, I called and they didn't answer, and the first letter I received was a " Reduced Balance Opportunity '' letter when I have proof that I have paid my loan with XXXX, and I have also never heard from that company before. My agreement was with XXXX, and XXXX XXXX. After receiving this letter, I am convinced that XXXX XXXX XXXX XXXX was a school involved in fraud, and they are the ones who gave or are giving my information to other companies. There was never an agreement for {$9400.00}. I am filing this complaint because I need help and I hope that XXXX doesn't try to to this to other students who once paid off their loans. I hope I can do something about this and that I can stop receiving letters from different companies who are clearly scammers.
|
| 04/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2023, I called Convergent Outsourcing and the agent and I agreed upon an amount to satisfy a collection from XXXX XXXX. I paid the amount agreed upon ( {$330.00} ) via credit card immediately and received a confirmation number of XXXX and a promise of a letter stating that I had paid the account in full and that the collection was closed and satisfied.
When I hadnt received a letter or email, I called back on XX/XX/2023 and was told that while there were notations on the account saying we had reached an agreement and that payment had been made, it had not processed their systems and could I send a screenshot of my account showing where the exact amount was debited. I did as asked and sent it to the email address given to me, XXXX, along with the account number I was given.
As it is now XX/XX/2023 and I have not received proof ( and this is delaying my mortgage pre approval ) I called again today and spoke to a supervisor who said they had done their part, that XXXX XXXX now needed to process the payment and let them know it was taken care of. When I told him that I had paid them, not dish, he reiterated that their part was done and it was on dish now.
I called XXXX and the agent I spoke with said that once the debt passes to a collection agency, it is out of their purview and that the problem was on Convergent. I explained to the agent that yes, I did pay convergent over the phone, but my bank statement says that the payment of {$330.00} was processed by XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2023 so they should have record as well. She stated again that the collection agency was at fault.
At this point, I dont care who dropped the ball, I paid the amount requested immediately, I sent my confirmation number and the screenshot of my statement showing the amount was debited and to whom it went and now all I want is this taken care of and removed from my credit report so that I may continue with my mortgage.
|
| 06/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I called Convergent Outsourcing INC ( XXXX Wa XXXX ) about XXXX different potential negatives showing up on my XXXX report. The dates were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. When I called I was transferred to 4 different people asking for help because nobody could pull up the information for me. The last one was ridiculously rude. All she would tell me was to call XXXX. I asked for a XXXX phone number and some sort of reference number. She said " I ca n't do anything for you CALL XXXX! '' then hung up. I had called XXXX last year when we refinanced our house and this was suppose to be taken care of and was not. XXXX apologized at the time for somebody else in their system that was clearly not me using my SS #. Now I have credit agencies that are allowed to ding my credit with NO PROOF I did anything wrong and NO PROOF they even tried to contact me to resolve it. How is this our credit rating system?? Companies can just go around reporting negatives against me with no proof, and it costs me hours of time to fix and they have no accountability to give me info to resolve it? Seriously??? Somebody needs to follow up on this Convergent Outsourcing Inc . They are terrible. The other company I found reporting potential negatives on my report was XXXX ( XXXX, FLXXXX XXXX ). They put information on my credit report XXXX/XXXX/XXXX. I called them and they would give me absolutely no information. Asked me for my SS # and name and phone number and said they would remove the info. So again somebody is free to just post information on my SS #? Nobody contacted me what so ever about this unpaid bill that is now lingering on my report. This is beyond ridiculous. I have a credit score in the XXXX and pay all my bills on time. There is no recourse for me to get back all the time I have wasted defending my credit, but these companies are free to post whatever with no proof of me doing anything wrong. We need this fixed ASAP!
|
| 05/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
Servicemember |
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I have email correspondence from XXXX showing I have did everything on my end to resolve issue to include filing a police report and fraud packet as requested by them and they would remove fraud debt. Years later, just last month they contacted me again via letter saying I still owe a debt and has now made it to my credit report. I asked what happened to the fraud packet I sent them via email. Was told they do not know as it happened years ago and now wants me to start from scratch. Something is awry as if they blatantly ignored the info. they requested from me XXXX for : Attention : Risk Assessment ( Creditor Account # XXXX or XXXX Account # XXXX ) XXXX XXXX XXXX Amount is {$450.00}.
I did resend the fraud packet which also contains my XXXX Identification on XXXX. Again, no correspondence from them still. I can not stress enough that I've spent hours with them on then phone trying to resolve the issue with no success despite their assurance nothing derogatory would happen.
Their info. is as follows : CONVERGENT OUTSOURCING ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I further submitted a complaint to the XXXX Attorney General . However, they said you all would be the POC : Was advised to submit fraud write of packet and police report back in XXXX and email the following - XXXX XXXX XXXX Attention : Risk Assessment ( Creditor Account # XXXX or XXXX Account # XXXX ). After which, I was advised the accused debt would be dropped. Years later, XXXX, I received another letter from them after silence and my constant follow-up but no response saying I still owe a debt. I call them and after being on the phone with them for over and hour was also told to resubmit the same fraud packet and police report. I asked them what happened in to my dispute XXXX. They said they do not know because that was years ago. Today, I get a notification saying the debt made it to my credit report.
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| 02/07/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX Account XXXX. XXXX My bill cycle ran from the XXXX to the XXXX each month, with payments due on the XXXX of the following month. On XX/XX/2022, I canceled service for line ending in XXXX by completing a port-out of the telephone number to another wireless carrier. The voice lines ending in XXXX and XXXX were then canceled on XX/XX/2022, when I completed a port-out of these lines to another wireless carrier. The account was canceled, and I was clearly instructed to cancel my remaining non-using line ending in XXXX to cancel on XX/XX/XXXX, unfortunately, XXXX tricked me and did not cancel, and I called them again and asked to cancel that number. please ask them to check the call logs. and they sent me the final bill of {$370.00} which I am ready to pay. since my account is canceled on XX/XX/XXXX, XXXX does not have permission to take money out of my back without giving me a proper explanation or a paper bill. So I stopped the payment of {$160.00} which is the wrong amount anyway. since my bill period is XXXX to the XXXX of every month, I only owe prorated charge of XXXX days that is {$79.00} ( $ XXXX {$4.00} - XXXX ) + {$34.00} + {$5.00} = XXXX +/- {$5.00} ( Note - this from their letter of explanation - The billing statement dated XX/XX/2022, reflected a balance owed in the amount of {$180.00} of which {$140.00} was for rate plan charges, {$34.00} for equipment charges, {$23.00} for service charges, and a credit of {$16.00} for one-time charges. A payment of {$180.00} was remitted via AutoPay on XX/XX/2022, reducing the balance to XXXX ) there are XXXX complaints - XXXX their customer support gave me the wrong information and made all this mess. they didn't cancel my non-using XXXX number since I asked them to cancel on XX/XX/XXXX and XXXX, second, they withdraw money from my back without my authorization or without a proper paper bill, and now charging me {$30.00} for {$30.00} payment return fee.
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| 05/17/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Older American |
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XXXX charged off this debt. There has been 3 other collection agencies over the years that have attempted to collect this debt that they paid for pennies on the dollar. None of them had the original agreement signed by me to the original debtor.
I had never heard from Convergent Outsourcing until I saw that they were reporting on my credit reports that I owe them a debt.
I have signed no agreement with Convergent Outsourcing , Inc and do not owe any debt to them. Without the initial signed written agreement between me and XXXX XXXX or a signed agreement between me and Convergent Outsourcing proving that I owe a debt to Convergent Outsourcing Inc., which is the only approved means to validate a debt with the FDCPA.
I have written Convergent Outsourcing Inc., several times through certified mail requesting that they provide me with the original agreement signed by me to the original debtor that gives Convergent Outsourcing authority to claim this debt. Convergent Outsourcing must not be reading my certified letters because they continue to send me copies of old 2017 statements from XXXX XXXX that they paid pennies on the dollar for, and that is not VALIDATING that I owe Convergent Outsourcing INC anything. All that proves is that they paid pennies on the dollar for a debt that XXXX XXXX charged off the debt as a business loss.
I have requested that they remove the derogatory mark as a collections on my credit reports on the 3 Credit Bureaus. They have not done so but continue to report false information that I owe them a debt and that is a violation of the Fair Debt Collection Practices Act and defamation of character. I repeat ... Convergent Outsourcing Inc has not proven that I owe them a debt. They have not provided the one source of proof that is the original agreement signed by me to the original debtor, XXXX XXXX.
Next step is to contact an attorney and file against Convergent Outsourcing Inc .
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| 10/18/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX and third party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged debt. On XX/XX/XXXX, I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/XXXX at XXXX XXXX. an Agent of this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX continues to ignore my requests. On XX/XX/XXXX this fraudulent item was removed from my credit report and this company willfully violated my consumer rights according to the Fair Debt Collections Practice Act. Specifically, I requested the documents from their filesthey used to verify this account. Under the FCRA, I have the right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted. Who verified this account? What documents wete used to verify this account? Where are the documents they used? It has been eight months from the time of my initial request for validation and to date they have willfully ignored and violated my consumer rights by refusing to validate this alleged debt. XXXX XXXX is in direct violation of the law by continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested right months ago. XXXX XXXX can not provide evidence that I am contractually obligated to this account and as a result, they are in direct violation and have totally disregarded the law.
XXXX, WA XXXX
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| 04/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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XXXX has turned me over to a debt collector ( Convergent ) for equipment charges from when we lived in XXXX. We moved from XXXX to XXXX at the end of XXXX, XX/XX/XXXX and have not heard anything from them until we got a letter from Convergent on XXXX XXXX, XX/XX/XXXX. Our mail was forwarded for a year after moving and we had been on paperless billing and auto bank withdrawal for our monthly charges. We never received a bill in the mail and never got any emails from XXXX after moving.
After 2 weeks of trying to resolve this with XXXX, they say we owe {$130.00} for equipment that they say we did not return. Before we moved, we DID return our equipment and had a receipt which we had kept until approximately the beginning of XX/XX/XXXX. We have since destroyed all paperwork from XXXX assuming that all was well since we had never heard anything from them during that time. XXXX says that they will remove the charge when we produce the receipt.We HAD a receipt we could have given them if they had contacted us within a year or so of moving.
We did all of our own packing for the move so the items could not have been packed by accident by movers. We were moving out of state and had no use for their equipment. If we had been contacted in a timely fashion by XXXX, we could have proved our case. Waiting almost 3 years to finally contact us via a debt collector is not fair to us as we can not prove that we returned the equipment at this point in time. We do NOT owe XXXX {$130.00} for equipment that we already returned to the company.
We have contacted the Attorney General 's office in both XXXX and XXXX. XXXX said it was not their problem since it occurred in XXXX and I should contact them. I was only able to leave a message with an attorney at the XXXX AG office and he has never returned my call. Surely some kind of statue of limitation exist regarding how long I 'm expected to keep a receipt from a cable company
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| 12/21/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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This company is trying to collect on a previously discharged Bankruptcy debt that was discharged back in 2018 by a Federal Bankruptcy Judge in California. Also, this debt was established by a Business entity and established with the Business ' Employer Identification Number issued by the IRS to an Established and registered Corporation that was legally formed and recognized by the California Secretary of State. This collection company is falsely trying to come after me for this XXXX debt when I never used my own personal social security number to establish this XXXX account nor did I agree to being liable for this XXXX account at any point during the life of this business account with XXXX, but yet the Collection Company, Convergent Outsourcing, is still trying to illegally collect on a Corporate Business Debt that was established solely by the Business Entity and not by any of it's corporate officer 's or myself, XXXX XXXX. This is why I had included this debt in my Bankruptcy filing back in 2018 anyway because of the necessity to try to protect myself from anybody that tried to illegally collect on any of the XXXX debts in which I had an involvement with at that time, just in case. Also, I would like to mention in this complaint that I have already tried to bring this issue to their attention by initiating a dispute with XXXX, but they somehow miraculously lied to XXXX about this debt because it was not removed from my credit report after the dispute. I am not sure how they were able to verify to XXXX that this discharged bankruptcy and business debt somehow should still be collected upon by this company, but whatever it was that they told them, it was clearly a false and incorrect statement regarding this account because it still remains on my credit report with them. That's fine because now I have one more thing to add to my lawsuit against them if this does not get resolved here at this level.
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| 12/25/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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My last bill was charged wrongly and they added {$35.00} on my account. When I called the customer care there was a lady which was really understanding the situation and asked me to stay and confirmed me that she will connect me to her manager.
Now the problem arises, her manager was very rude and not even ready to listen anything what my problem is.
I am sure XXXX XXXX would have call records from that day.
She was not listening my reason asked me pay full bill. She was trying to threat me that I'll not pay the amount something bad will happen to me.
This is what happened I moved my lines from XXXX to XXXX on first week of XXXX and final bill only on 2nd week of XXXX. I called customer care that they charged me {$35.00} with no reason. but they manager lady was not even ready to listen and saying all the time that I have to pay this amount.
I explained that this is wrong charges on my account but she was adamant.
Only after 3-4 days of this call I got a letter from debt collection agency that. I am sure this is not what my last bill was saying.
XXXX really owe an apologies for this. Since receiving this debt collection agency letter I am trying to call XXXX XXXX customer care. After a wait time of 2 hours their representative just listening my name and disconnecting my line. This happened 3 times and I can prove this and XXXX should have data of these calls to their customer care.
It never happened when was I using their services. As I left their services they are charging unnecessary and want to take my hard earned money.
I remember I gave my card number on my 1st call to XXXX customer care person to resolve this matter but that lady was rude and scared me that debt collection agency will only receive this amount.
I really need some help from this XXXX XXXX service organization. They are here to provide services to us and XXXX should take some action against that lady manager.
|
| 04/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Years ago, I had a XXXX account. For one reason or another, I closed the account. In XXXX, I received correspondence from a collection company - XXXX XXXX XXXX - in regards to an outstanding balance of {$1500.00} ( ref # XXXX ). I told the representative that I acknowledged the debt, but that I believe that what I owed was half of that. We settled on {$800.00}, split into two payments of {$400.00}.
I made the first payment on XX/XX/XXXX and the second payment was made on XX/XX/XXXX ( I have receipts of both transactions ).
The derogatory remark was removed from my credit report after the last payment was made.
In XXXX, it showed back up under a different company - Convergent Outsourcing. I reached out to them on XX/XX/XXXX in writing, asking for an explanation. I also disputed it via XXXX XXXX ( to no avail ).
A year later, I am still dealing with this outstanding debt that has been paid over 3 years ago. I contacted Convergent ( account number XXXX ) today, via phone, and spoke with a lady who was so rushed that I couldn't even catch her name. I explained the issue. She told me that I could sent the receipts to her via scanned email. When I asked what the follow up protocol is, she told me that it could be 30-90 days before I hear anything in regards to the issue. I think this is absolutely ridiculous and I told the lady so. She, then, told me that they have to reach out to XXXX and wait to hear back from them. I am confused, as the account is no longer with XXXX. It did not even come to Convergent from XXXX. It came from XXXX. I told her that I was thoroughly disappointed in both XXXX and Convergent. Albeit, the account is delinquent due to my original negligence, but I resolve this situation ( or so I thought ) 3 years ago, and now I am being told that it could be another 90 days before I know whether it's been resolved, or not. And, if it isn't resolved, what are the next steps?!
|
| 02/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX Convergent Outsourcing ( CO ) reported on my credit reports under their own name a balance due of {$1200.00} in violation of 209 CMR 18.17 ( 11 ) which clearly states a debt collector may not report under their own name on a MA resident report.
XX/XX/XXXX I sent CO a XXXX Demand via certified mail informing them of their illegal reporting. I also included a validation of debt request as the original account was not mine and informed them of their failure to inform me of my rights. CO legally had 5 days to provide validation and 30 days to remove the listing from my record.
XX/XX/XXXX CO failed to reply in anyway. I sent them a second notice 93A Demand via certified mail.
XX/XX/XXXX CO removed their listing from my report and agreed to cease collections.
XX/XX/XXXX CO sold this falsified claim for profit to a company called XXXX XXXX XXXX. I sent XXXX a 93A Demand informing them the account was fraudulent. They closed the account.
XX/XX/XXXX CO took the account again and sold it again, for profit, to a company called XXXX XXXX XXXX. I sent XXXX a 93A Demand - they agreed to cease collections.
XX/XX/XXXX CO took the account and changed (! ) the account number claiming it was new. They reported the listing on my credit reports and continued to attempt to collect.
XX/XX/XXXX I sent CO another 93A Demand again informing them of their illegal attempts to collect on a fraudulent account. They failed to reply in anyway. They failed to remove their listing from my reports.
CO is in violations of all laws listed below : MA General laws : 209 CMR 18.17 ( 11 ) Unfair Practices, 940 CMR 7.07 ( 15 ) and ( 21 ) Deceptive Acts and Practices MGL Chapter 106 *CC 9-405 ( c ) Failure to furnish reasonable proof of assignment 940 CMR 7.08 Failure to provide validation of debt in required federal and state timeframe 940 CMR 7.08 ( 1 ) and ( 2 ) Failure to provide ANY validation of debt
|
| 01/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search.
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.unaware of the amount due and your bill does not include a breakdown of any fees.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt h
as been validated by me.
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed can be percieved as a violation of the FDCPA because you will be deceiving me after my written request of debt valid
ation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
|
| 09/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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XXXX and Convergent Collection agency have filed false and inaccurate information about an alleged collection account on my credit report.
I closed my account with XXXX in XXXX, having always paid my account in full, purchased my devices outright and having no further obligations or being subject to any Early Termination Fees ( ETFs ). When I requested that XXXX port my numbers to my new carrier, they initially refused to do so and claimed I owed ETFs.
After scores of hours of phone calls, emails and faxing a copy of my contract to XXXXXXXX XXXX customer service and managers -- all over a several week period ; I finally filed complaints with WA State AG, FTC and BBB. Within days of my complaints, XXXX wrote to apologize for their " error '' and confirmed that I owed them nothing. They allowed the porting of our numbers to our new carrier, as required by law.
I thought that was the end of it, until last week when I requested a copy of my credit report following the security breach at Equifax. It appears XXXX sold the non-existent debt to Convergent Debt Collectors, which then took the liberty of changing the date of last activity on the account from XXXX to XXXX. I believe Convergent has intentionally and knowingly filed a false and inaccurate report on my credit files ; the only negative item on an otherwise stellar credit report.
Not only do they XXXX and XXXX XXXX know this is a non-existent debt, they have changed the date to XXXX in order to make it appear like a recent activity and have the maximum derogatory impact on my credit report ( which has typically been above XXXX as I am meticulous about paying all my bill on time ). This is not only damaging and infuriating, it has taken a substantial amount of my time and I am particularly disappointed in XXXX ( Convergent appears to be a bottom-feeder collection agency, so the expectations are substantially lower ).
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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It all started back in XXXX of XXXX, I had to relocate to another location for business. I used XXXX XXXX however I think they registered it as a different name, XXXX XXXX. My name is XXXX XXXX. On XX/XX/XXXX at XXXX XXXX ( Arizona Time ) I received a call from XXXX, which rang once than hung up. I called back the number which the lady that answered represented herself as Convergent Collections asking for XXXX XXXX and that she couldn't explain herself until I advised that I was XXXX XXXX. XXXX XXXX is the alternative name I use for my wife 's account with XXXX since I prefer that name, not my legal name. She wanted me to verify the address which I provided my current address but she said it was wrong. Then proceeded to give me hints as far as the name and spelling of the address. After that was confirmed she mentioned that the bill was from XXXX XXXX and was for a total of {$21.00}??. (? is in place because I do not remember the change amount. ) I advised that XXXX XXXX does not exist and is not a valid person and asked for more information on the debt, as far as date of birth or social used. While looking for this information, she specifically stated the following : " It is only {$21.00}, I would hate for this to be used against you. '' At this time I again stated that I dispute the vidaility of the debt and told her that the company has a time limit on when they need to respond. She advised that the company is quick and I will have an answer in the mail.
The fact that she did not verify date of birth to confirm who she was speaking to is in fact the debtor and threating that this will be used against me if I do not pay is outrageous. I can only imagine how many times people give in and play along because they do not understand that debt collectors are limited on what they can do and say. I bet there are hundreds if not thousands of people being treated the same way.
|
| 07/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hello, I am writing to dispute a debt collection attempt from XXXX XXXX. I have the following contact information for them.
XXXX. XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX-XXXX That said, my main dispute is with XXXX.
They are reporting on my credit report a delinquent account, that should have been closed without fees by XXXX. I was given permission to terminate my service by XXXX, due to inadequate data speeds that were far below their advertised amounts. I tested my phone in multiple cities and states, including XXXX XXXX, XXXX and XXXX, as well as all around my state of Massachusetts.
On XX/XX/XXXX - XXXX sent me an email stating they were providing me with return envelopes for my handsets. When I did not receive them for quite some time, I continued on as normal. Once receiving notice of their want for my handsets still, I contacted XXXX.
On XX/XX/XXXX - I contacted XXXX via chat and an employee by the name of XXXX stated " I currently do not see return kits being sent out here online. '' At this time, she could no longer assist me and told me that my recourse was to phone a specific department. Due to a hectic schedule, I could not get to a phone to dial in and I explained this in full. I attempted to just buy the phones themselves out without being hit with a penalty, but they would not assist with that.
I believe my debt with XXXX to be invalid and I believe you will find in their records or notes they have on my account that they agreed to let me out of the contract without fees. Dragging the return process for the phones on for months was an undue burden on me as a consumer and I do not believe I should be held liable for their lapse in shipping said kits. Additionally, they then sold this debt to a collection agency.
I have the original email where they claimed to have sent the return envelopes and I have a copy of the chat which I have mentioned above.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating 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 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 reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may 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 you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall 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 of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar 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.
|
| 08/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received anything.XXXX XXXX, CONVERGENT OUTSOURCING, XXXX and XXXX XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XX/XX/XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.
|
| 05/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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After viewing a copy of my credit report, I noticed a collection account placed on my credit report from CONVERGENT OUTSOURCING in XX/XX/2016 in the amount of {$110.00}. First and foremost, I have confirmed that the debt collector, CONVERGENT OUTSOURCING is not licensed in the state of Florida to collect on this debt. Secondly, CONVERGENT OUTSOURCING violated the Fair Debt Collection Practices Act rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to CONVERGENT OUTSOURCING? I have never heard of them, have no written contract with them, and have never received any benefits from them. Yet, CONVERGENT OUTSOURCING has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and demands collections payment from me in the amount of {$110.00}.
Therefore, I am requesting VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that CONVERGENT OUTSOURCING provide me with competent evidence that I have any legal obligation to pay them. I am asking CONVERGENT OUTSOURCING to please provide the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET '' signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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XXXX is reporting a debt on my credit report although notices were sent stating that the debt should not be in collections yet. I was sent four separate debt notices by the company XXXX XXXX and their affiliates.
The first notice received was on XX/XX/XXXX from a company called XXXX XXXX. A debt validation letter was sent to XXXX XXXX on XX/XX/XXXX, but no response was received from XXXX XXXX.
The second & third notices were received on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX sent both of these notices. The notices stating that a debt was due by XX/XX/XXXX, but mentioned nothing about a debt collection being reported on my credit. The debt notice was answered on XX/XX/XXXX. A debt validation letter was sent to the company but no response was received from the company.
The forth notice was received on XX/XX/XXXX from a company named Convergent outsourcing, Inc. Once again this letter showed a debt balance but explicitly states that this debt will not be reported if written notice is sent to XXXX XXXX XX/XX/XXXX. A debt validation letter was also sent to Convergent on XX/XX/XXXX.
I currently have a debt collection on my credit showing that the company XXXX XXXX closed an account that they say I owe. The closing date is XX/XX/XXXX. How is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the debt can still be paid until XXXX XXXX XXXX? Also how is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the information will not be reported on my credit unless I do not respond to them by XX/XX/XXXX? The notices were answered by the consumer on time and the debts were addressed/ attempted to be resolved. XXXX XXXX still decided to report negative information on my credit even though contact was made to try to resolve the issue.
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| 07/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I had an outstanding balance with XXXX that I settled with XXXX XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX I got a collection letter from Convergent regarding the same account. I initially thought it was sent in error since I didn't pay attention that it was a different collector, I just saw it was the XXXX acct & I had already gotten a proof of payment letter back in XX/XX/XXXX & with everything that was going on in the world I really just forgot about it. When I got another letter that's when I noticed it was from a different collector. I checked my credit report & saw the amount was back on my report but now Convergent was the name on it. I called Convergent in XXXX to get info & between speaking to them & XXXX several times I was eventually told my account was sent to Convergent from XXXX in XX/XX/XXXX because at that point it was still showing as owed in XXXX XXXX because that was before they received the confirmation of amount paid from XXXX XXXX. I spoke to someone at XXXX I was told was manager in the account recovery dept ( not sure if that was the exact name but was told they were dept that handled old accts that are sent to creditors ) & she verified she saw the amt on that account was paid in full & I had no outstanding balance with XXXX. Since XXXX I have made several calls, pretty much once every 4-6 weeks, to Convergent & have sent any & every document they request as proof of payment ( bank statements, proof of payment letter from XXXX ) but all they do is put it off on XXXX, ask me to send more or re send the documents I sent previously saying they didn't receive but the previous person I spoke to just the weeks/month before had verified receipt & said they needed time to review & reach out to XXXX. I have spoken to who I was told was managers who say they will review & get back to me but not one time has anyone done what they said they would
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| 05/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On or around the end of XX/XX/XXXX, my wife spoke with XXXX XXXX and requested that all cable services removed from our account, they did not offer the channels we wished to watch and were planning to a web based service and wanted to keep the high speed internet service the representative was very rude and told my wife she was stupid to not keep the cable channels offered at which point my wife demanded that they turn off service and with in the week she took all cable and internet service boxes to the local office and dropped them off we were told when we dropped the boxes off we no longer owed any money. We then moved to another town as I work construction anyway I never signed a contract for anything I never received a bill stating that I owed anymore money. Until XX/XX/XXXX when it showed up as a collection on my credit report I have been working hard to improve my credit and this showing up like this has caused major problems for me and even though I know in my heart that I do not owe this debt I even called and offered to pay the full amount if they would remove it from my credit report at which time the representative informed me that they didn't do that Now I'm almost deaf but I informed him what point was it in me paying a debt I didn't owe if they were still gon na leave it on my account I understood him to say he didn't care jut wanted the money which is extorsion. I had also sent two letters to Convergent Outsourcing Inc. requesting verification of any money owed to them the sent an itemized bill that does not show the return of all equipment and does not bear my signature a teenager could have made such a bill at the library anyway I am just frustrated these people are ripping people off left and right and I pray that this complaint will resolve the issue. This is a small amount of money to be causing me such a major problem please help.
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| 08/14/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX while making a purchase at XXXX XXXX, I was given a receipt demonstrating that XXXX was providing services for $ XXXX/month. When I called to inquire the legitimacy of the amount for service, I was verbally told over the phone that yes service was {$19.00}. XXXX asked for my information including my social security and came to install their equipment the same week.
The following month, I received a bill for {$56.00}, so I called and canceled because as a XXXX I could not managed {$56.00} and plus they told me it was {$19.00}. So in view of their trickery and deceit, I canceled their service. Three month later, XXXX reported my name for owing them an amount of XXXX for early cancelation fee. First of all, I never signed a contract with XXXX so I was totally unaware of the terms of their service. So when I called to inform them that I was unaware of their terms and requested the contract, they forwarded the attachment document in ( EXIBIT A ). As soon as I receive the document, I realized that someone had forged my signature in their contract which I was seeing for the very first time. I do not sign that gibberish language on their contract. I always sign my name in cursive as you may see in my XXXX Lease Document ( EXHIBIT B ). Since then, I have gotten married but my signature style has not changed. I still sign my name the same way, simply in cursive writing. Please see ( EXHIBIT C / D ).
In addition to forging my name, on XX/XX/XXXX ( 3 years from the date I last received service ). XXXX sold the debt to XXXX XXXX a new debt on my credit report.
Please see attached : XXXX Contract with fraudulent signatures Apartment Lease with my Original Signature Drivers Liscence Signature / Social Security Signature Police Report of fraudulent signatures Than you in advance for investigating this matter.
|
| 04/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX I discovered that Convergent Outsourcing, a company I had never heard of before and never done business with, had placed a blatantly inaccurate and unverified collection account on several of my credit reports for an account that does not belong to me. I immediately contacted the credit bureaus via certified mail and asked for the debt to be properly verified and to be provided a copy of the original written contract with my original signature on it. After an improper investigation, the credit bureaus validated the debt and Convergent Outsourcing sent me a copy of a XXXX bill from XXXX with my name on it. However, anything other than a copy of the original signed contract would be insufficient. A bill without a contract does not validate a debt according to the FCRA. The document they provided is NOT a contract and they did NOT provide me anything with my signature. I have never used XXXX and have been with XXXX for approximately the past 10 years.
I wrote a second request to the credit bureaus for the original contract and was denied once again, still without a proper investigation. Convergent Outsourcing has demonstrated that they are unwilling and more importantly unable to provide the original contract with all terms and conditions neither with them or the original creditor because I have never had any type of business relationship with either. They are not able to provide a summary of account activities, history of payments made, history of any late payments charged to the account, dates of payments received, or even one single document with my original signature on it, nor do they even have anything with my digital signature. Convergent Outsourcing has had dozens of class-action lawsuits filed against them for multiple violations of the FCRA. They have a long history of doing this exact same thing to many other people.
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| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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To whom this may Concern, My name is XXXX XXXX. I have a XXXX Account. I live in XXXX, Fl. Last XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl Let Someone Authorize a transaction on my account without my permission. I also have a voice recorded message from Customer Service Representative That called me that day I was at work, I told them that XXXX has my consent to pay the bill. I XXXX, do not give him consent to charge anything on my account. I have three Phones on my account. my original bill every month were {$130.00}. The employee that works in that store let a man I have a phone line on my account authorize an XXXXXXXX XXXX XXXX XXXX and case, and XXXX phone case on my account. His Name is XXXX XXXXXXXX XXXX let him purchases these items on his debit card. Now that brought my phone bill up to {$250.00} plus tax. XXXX refuse to pay XXXX bill because he went up to the store and tried to talk to them about the XXXX he put on my account and the two phones on my account, the bill that was due in XXXX that they over charge the account. XXXX XXXX refuses to pay it. t mobile has his social security number and birthdate and debit card number on my account from his purchase. I am the one that have to pay this account. Now i do not have a phone line and can't do my business needs. I had to get a government phone to use. i am disputing the charged against this store and XXXX company. i am very disappointed. I never had this problem before. These representatives supposed to protect customer 's accounts and rights from other people. it seems like they always want to make a dollar, they always trying to get you do buy their product instead of helping you. The person that is held responsible for paying this account is XXXX XXXX. I will try to send an email to dispute this, I am not good in sending an email. Please note I am disputing these charges.
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| 03/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
On XX/XX/2020 I was offered a settlement of XXXX by convergent outsourcing for a past due debt I had with XXXX XXXX. This would close the account and it would noted as paid in full. I agreed to this amount and paid the balance that same day. I was told I would receive an email confirmation but never did. On Saturday XX/XX/2020 I checked my credit report and it showed the balance had decreased and I still owed money. I called XX/XX/2020 and was told by their representative that they saw I was offered a settlement and it had been paid, but they were waiting on XXXX XXXX to close the account. When I asked why they did not report the payment as a settlement to the credit bureau they said it takes 30 days which is why I still saw a balance. I contacted XXXX because this did not sound correct and I wanted to verify with them as well. I spoke with a representative and she saw that a payment had been made and there was a lower balance. I asked if she could see anything stating this was a settlement and the account would e closed. She stated she did not and would call the convergent outsourcing and try to get a little more clarification. She was put on hold multiple times and given the run around. Finally she got a hold of someone and when she went to conference me in they hung up! She stated that she was told by a representative that they had already spoken to me and that she had no business calling. She was just as mind blown as I was when she heard that. I have every right to go behind and double check who I am sending my money to when it comes to me paying off debts. XXXX XXXX also has a right to know how their clients money is being handled especially if the choose this debt collector to work with their clients. Convergent Outsourcing is incredibly unprofessional and will make you feel uncomfortable about how your finances are being handled.
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| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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This is in reference to complaint submitted to the CFPB : XXXX. This company has failed to provide specific documents and is still within violation of the federal law that governs them as a debt collector. As a natural living person and consumer I am writing in regards to the alleged debt associated with Convergent Outsourcing account number ending in : XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide evidence of a forward flow agreement between your agency and the original creditor, and not merely a bill of sale, to establish the validity and legality of the debt in question. This includes documentation that clearly demonstrates that I have knowingly and willingly entered into a contractual agreement with your agency, outlining the terms and conditions of the debt. I have sent multiple complaints about this company violation of federal law. This company is complicit at this point in the federal law that governs and regulate them. They responded with false documents and did not provide proper proof per the law and regulations. As per the Uniform Commercial Code ( UCC ), a credit card is not a negotiable instrument that can be used to collect on a debt. Furthermore, the charge-off of a debt is considered income and reporting it as a debt is a violation of the FDCPA. I am also aware if there is a 1099-C for this alleged debt, it will be illegal for you to continue collecting on it. Therefore, I demand that you delete the account from my credit report and cease all collection efforts immediately. Please provide documentation to confirm that you have ceased all collection efforts and have deleted the account from my credit report. Please note that any failure to comply with this request may result in legal action being taken against your agency. Thank you for your attention to this matter.
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| 05/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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On XXXX XXXX , 2017 I received an alert via email of a negative collection account reporting to my XXXX report. I immediately checked my reports to see t hat Convergent Outsourcing had lis ted an account to my report in the amount of {$130.00}. I have had no previous dealings with this company. No calls, no letters, NOTHING and they just decided to report a negative account. I sent Convergent Outsourcing a letter on XXXX / XXXX / 2017 , via certified mail # XXXX XXXX XXXX XXXX in which they received on XXXX / XXXX / 2017 to validate this alleged debt. I also sent this letter via fax and also to the companie s executive team via email for prompt response. I educated Convergent that they had 30 days to respond to my letter or that they should delete it. Pe r the FDCA, a debt collector is to notify the credit reporting agencies that this alleged debt is being disputed and can not continue to collect or report this alleged debt until they have provided verification. Convergent failed to abide by these rules. They continued to report, and update this alleged debt to XXXX ( la st update on XXXX / XXXX / XXXX ) before even responding to my letter. I did not hear anything from this company for over 40 days from the date they received my correspondence. On XXXX / XXXX / 17 , I sent XXXX a request to have this negative account information deleted immediately due to no response from Convergent Outsourcing, and their above violation. Today XXXX / XXXX / 17 , I received in the mail a copy of some sort of bill which listed inaccurate information. It did not verify debt, nor did it show proof that this is my debt, as it is not, or any legal binding agreement to convergent outsourcing. I am extremely disappointed that Texas allows deceitful scamming c ompanies like Convergent Outsourcing to target its residents.
|
| 06/08/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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FACTS : withXX/XX/XXXX for 12 Years. Every Two Years Had to fight to keep my bill from Spreading like ....
I am extremely disappointed in the " 100 % Bill increase each and every two years, '' they try to get over on consumers. This is very bad business practices disclosed or not. Before my contract is up I have to tell XXXX, I am leaving in order to get back a closer rate. My contract was coming to an end back in XX/XX/XXXX I had called them several times before that date to try to get my bill under $ XXXX month. When I saw XXXX XXXX ad and I left forever. It was exactly what I was experiencing with XXXX. I Switched over to XXXX - ( No Contracts ) I was send to Convergent collections for Agreement/ Contract breech by XXXX . I requested the Tape Recordings from XXXX on the day that they claim I was locked in another 2 years. I called XXXX yesterday and was forwarded to collections. I gave my personal information to Convergent Including my SSN to stop this matter on XX/XX/XXXX. Convergent told me I was not in the system on XX/XX/XXXX.
The next day XX/XX/XXXX I started receiving calls from Convergent. I was told they are attempting to collect a debt. I told them do not call me ever again but rather put it in writing only. Additionally, I told them dispute the amount and that I wanted proof of the contract by tape recordings with XXXX. I 've asked XXXX on four separate times for the proof of contract extension. I filed a BBB complaint yesterday when this still went unresolved. New York BBB. Complaint # XXXX on XX/XX/XXXX I will sue in small claims court each party separately if this matter is not closed. I am documenting each step of the way as I build my case against XXXX and the Collection company if need be. Please let both companies know there potential liabilities. Respectfully Yours, XXXX XXXX
|
| 04/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have complained about this once before, when XXXX turned my account over to a collection company. They took the debt down and issued a letter deleted it from the credit bureaus.
Once again I have a collection in the amount of XXXX From now a collection company called XXXX XXXX XXXX.
I paid my XXXX bill and had the last payment in XX/XX/XXXX. It was a XXXX balance. I ended the account because I was in a car accident. I sent the equipment back as well as got confirmation about this.
The problem is that they are billing me when I had a long history of paying the bill.
My bill was only {$70.00} a month. How they are figuring over {$500.00} is fraudulent.
They have told me its because I got a charge for " early termination '', however, the final bill stated over the phone was around {$200.00}, and they waived the termination fee because I had a good reason not to continue the service.
I have called XXXX over 50 times on this matter. I have filed complaints plus was promised by many management teams that this would be addressed. I sent faxes and made memos. They never do as promised. The representatives never know whats going on. I am not paying for a bill that is not warranted. For convergent to file this on my personal credit is against the law, against the Fair Credit Reporting Act.
I have spoken to both companies and tried to resolve this but to no avail. I need this to come off my credit as it is affecting my livelihood and ability to obtain proper financing for my business.What they are doing is a crime. I was quoted by XXXX on chat as well as phone that my final bill was {$200.00}.
The last payments I made was in XX/XX/XXXX, and It was a XXXX balance when I closed the account. My bill was only {$70.00} per month. For them to jump this up to $ XXXX {$700.00}? Is a crime.
Please advise.
Thank you XXXX XXXX XXXX
|
| 10/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
partial acct # XXXX XXXX XXXX has not sent me proof within 30-45 days or an obligation of this alleged debt as requested by me and continues to report this derogatory information to XXXX, XXXX and XXXX. XXXX XXXX had not communicated with me through phone nor have I seen any letter concerning this so called debt at any time before this deorogatory informaton appeared on my credit reports. This is creating problems for me relating to higher interest rates and lowering my credit score. I disputed this account in XX/XX/XXXX on or around the XX/XX/XXXX and in XX/XX/XXXX on or around the XX/XX/XXXX to all 3 bureaus with no verification or validation in the form of a contract or documents with my signature on it from XXXX XXXX. Proof I have sent letters with tracking receipts will be attached.
The only correspondence that I received from XXXX XXXX was information about an opening date and a billing statement and a balance {$520.00} which could not belong to me. This does not qualify as full verification per FCRA. They continue to ignore my request for contracts and signatures as proof concerning this account that is reporting to my credit report.
XXXX XXXX continues saying everything was verified. To date XXXX XXXX continues to not verify this so called debt. Under the Fair Debt Credit Reporting Act I have the right to demand this information for the account being reported on my credit report.
XXXX XXXX is in violation for continuing to verify accounts with the credit bureaus without providing requested evidence. I believe XXXX XXXX does not have these documents or they would have produced them in the past 60 days. I believe they are blatantly breaking the law. For this reason I demand all derogatory information from XXXX XXXX to be removed and deleted and never to appear again on my credit report with all 3 major credit bureaus.
|
| 07/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I previously had an identity theft situation XX/XX/XXXX, which resulted in accounts being opened in my name for several different businesses. One in particular was for XXXX, for the amount of {$510.00}. That bill went to collections XX/XX/XXXX, and once I found out about it, the matter was disputed with the collections company and the chargers were removed from my credit report as it had been determined the account was opened fraudulently by someone who used my identity. I filed a FTC affidavit which assisted me in the removal of the charges as well as to have a Fraud Alert placed on my credit file for all XXXX credit companies.
Now fast forward to XX/XX/XXXX and once again my identity has been stolen and the person used that information to once again re-open another account with XXXX in my name that has again hit my credit report for the amount of {$190.00} that has been left unpaid and now is in the hands of the collections company Convergence Outsourcing. I have submitted to XXXX via fax a Fraud packet on XX/XX/XXXX and have yet to hear back from them. I also contacted the collection agency and asked for this charge to be removed, and they were to send out to me a fraud packet that I have yet to receive. I have also contacted the credit bureau that the charge appeared for and disputed that as well. In addition, I have refiled another Identity Theft Affidavit along with another Police Report in regards to the Identity Theft. I also would like to know how could such a situation happen again if I have placed a Fraud alert on my account in which if any credit or services are attempting to be open in my name, the business are to contact me directly, which appears not to have taken place by XXXX after the first incident happened. I will look forward for any assistance you can offer in regards to this matter.
Thanks, XXXX XXXX.
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
I am writing to file a complaint about the collection and reporting practices of XXXX XXXX.
In XX/XX/XXXX my husband and I lost our home to foreclosure and moved into an extended stay hotel, and have been living here ever since. ( Not by choice but because of foreclosure ) We did not immediately have our mail forwarded so I dont know if we received a final bill or not, but a collection from XXXX showed up on my credit report shortly afterwards. For a brief period of time they reported it, but then it was removed.
XXXX year ago in XXXX, I had finally reached the point that we could apply for an apartment, but when I did we were denied. The reason was a new collection. The new collection was a collection by XXXX, but the dates had been changed to show it as a recent delinquency. When I called the XXXX billing department the man admitted to me that he had pulled back the first collection and re-submitted it with a new company. He told me if I didnt like it I could just pay my bill.
Then I went into the office and asked for information to prove the debt and they told me they didnt have anything to show me because there was no information in the computer. So I disputed it with the credit bureau and after several attempts I was able to have the re-aged collection removed from my report. But it took a year to return to my previous score.
Now a year later in XX/XX/XXXX my credit score had gone up enough that I was pre-approved for a mortgage, but before the process was completed a new collection, from a new collection agency for XXXX XXXX, for the third time has appeared on my report again. It is not a collection that shows the status date XXXX, instead it says it was incurred a month ago. And it is glaringly showing up as a new collection again, my XXXX score has dropped, and I now have to wait to buy a home or rent a house.
|
| 01/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Around XX/XX/XXXX I got a call from convergent collection agency stating that I owed an {$800.00} debt to XXXX, and they were pressuring me into paying over the phone at that time, so I told them I would call back, and I reached out to XXXX, seeing as how I am a current customer with them and have never missed a payment. The representative that I spoke to checked my current account that I had joined with my husband, and didnt find any descrepancies. From there he attempted to check the account we had closed out in store, when me and my husband merged phone plans. He stated he was locked out of the account since it was closed and I never set up a pin for it, but that it did not come up as flagged as delinquent nor did it flag as being sent to a collection agency. On XX/XX/XXXX I checked my credit report which I do quite often, and it showed a delinquent mark/ debt collection from XXXX. I called XXXX and after allot of being sent back and forth they were finally able to retrieve my closed account, and then confirmed that I had an {$830.00} bill that they had sent to collections. My complaint and what I would like to fight is that I closed my account and added a new one, The same day in store. And would have payed any balance I had if I were told. But not only did the in store manager not inform us of that there was anything unresolved with the account, we never got any bill, or any communication from XXXX saying that I had owed them anything. I closed that account out in XX/XX/XXXX, but was still a customer with them, in good standing, and it took 2 years for a debt collector to reach out to me about the balance, that XXXX representives could not verify until a few days ago. Now my credit report is damaged, and I would like to fight this. I would pay what money I am found to owe, but I would like this expunged from my credit
|
| 09/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Convergent XXXX XXXX sent me a notice dated XX/XX/XXXX saying I owed {$290.00} for a XXXX account. It is a falsified debt. I have not had XXXX since XX/XX/XXXX. Attached see the text alert I received. I knew it was inaccurate because I did n't have a XXXX Card and had reported ID Theft to FTC on XX/XX/XXXX along with XXXX law enforcement report & number. I then called XXXX and placed Initial Fraud Alert for all credit bureaus. After sixty-two ( 62 ) days, I made placed a freeze on my credit reports. On one occasion, there was a breach in a credit bureau and some falsified debts did get through and placed on my credit history. Both are XXXX XXXX XXXX in origin. There are substantiating documents denying the debts.
I have contacted Convergent twice to try to explain. I call from a financial institution. I am an identity theft victim and I do n't intend to give them any information. They will not listen or assist me because I will not give them my telephone number or email address. This concept is ridiculous as I do not need any more harassment. as a victim.
See the documents attached and contact the company, please. Yes, I know it 's been a long time ; however, I do n't have a computer or smartphone. The closest library is 38 miles away and we live in a rural area without public transportation. Thank you so much for all your organisation has done for me for almost two years over the phone. received from XXXX XXXX ( with whom I have not an account with since before XX/XX/XXXX ).
Also attached are correspondences, only two ( 2 ), as there have been numerous over the past twenty ( 20 ) months along with telephone calls with XXXX XXXX. This XXXX XXXX XXXX is very adamant that it is known the card was not initiated by me, no charges made by me and I had nothing to do with anything associated with their card services.
|
| 09/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Convergent Outsourcing Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
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| 09/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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XXXX breach of contract. ( Account # XXXX ) I had with Contract for ( XXXX ) Phone and I Received ( XXXX ) and XXXX Phone with Wrong Color. I Returned to the XXXX and Got Return Receipt Back from Them. Order a New Phone with Right Color? Never Showed up at all. Each Time you Call XXXX? Take XXXX to XXXX XXXX. XXXX of the worst Customer Service you Can Ever Imagine.
" Every month there is a mistake or over charge on my bill. I have to call customer service and I am on the phone for XXXX hour. It is so bad now I actually plan for it. " " I really like it when they extend the contract without your knowing and charge you almost {$200.00} to cancel the service. " " After a year and a half of being an on-time customer, I got a 'friendly reminder ' phone call to see when I would be paying my bill. I had n't even received my bill yet! When I explained as much, the woman said 'oh, we like to keep on top of these things. ' WHAT?! I finished out my contract before they could re-up it without my knowledge and switched wireless carriers quickly! " I called so many times to Resolve the issue? Never Resolved. End-up Got a Letter from XXXX Collection Agnecy for {$660.00}. Collection. I apid the Charge just to Keep my Service connected? They Disconnect my Phone for 2 Months and Ask XXXX {$270.00}.
I end-up paying off {$1200.00} Just to Save my Credit. I have Letter from Collection agency 's Pay-off Letter.
I need to Terminate the Contract and Need my Money Back from XXXX ASAP.
XXXX have to Return all my Money {$1200.00} + ( My Claim Number Claim # : XXXX ) 1. Bogus Regulatory Charge will increase to $ XXXX/line.
2. Also, I applied for XXXX Fraud Charge Unauthorized PSMS Charges ( My Claim Number Claim # : XXXX ) Never ever got Refund from XXXX.
Now, I want cancel XXXX contract without an early termination fee ( ETF ).
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| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Convergent Outsourcing continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Convergent reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Convergent. To that end, I sent a letter to Convergent Outsourcing ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. Convergent is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt.
It is obvious that Convergent Outsourcing is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately.
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| 03/22/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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We asked them to help us port a XXXX number over and create a family plan back in early XXXX of XXXX. They said we had to create another temporary line so they could then move an established sprint phone line to that number associated with the family line and merge. We were told middle that month, that they could not help us and wed have to call customer service. Countless hours later on hold, and they were not able to do anything. That was back in XXXX We moved to XXXX at the end of XXXX only to figure out two months later they left the second line open which I was charged for. They said they would cancel the account but I would have to pay for 1/2 the bill, even though there was zero data and usage on that line. I agreed to pay and ask for confirmation of closing. That was XX/XX/XXXX. Got another bill and called in on XX/XX/XXXX. They assured me they will cancel and to take my card on file off so I wouldnt be charged. I was told to give it 30 days to cycle through. On XX/XX/XXXX received another bill, now {$250.00} bill and they say they have no record of me asking to cancel. Received notice on XX/XX/XXXX they were sending this to a collections agency. I called and they still they can not send me confirmation of account closure. I called and waited another hour to speak with employee ID XXXX who said to wait another 3 weeks to see what the total amount charged will be so they know what to credit. For me to wait another 3 weeks is not an acceptable answer. They were going to transfer me to a manager and then they hung up. Wasted 1.5hrs of my day, total of around 4hrs speaking with XXXX and they can not give me any clear direction as to what is happening. The line should have been closed back in XXXX when I switched to XXXX. Then again on XX/XX/XXXX when I paid the last bill, but yet this continues.
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| 05/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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RE : Convergent Outsourcing / XXXX Sin ce 2012, I ha ve had a number of different debt collectors contact me regarding a bill to XXXX . The amount claimed owed is {$1100.00}. I have explained to eac h one of them that the debt is inaccurate and disputed for multiple reasons, primarily because I had called XXXX personally back in XXXX 2012 and e xplained the problems I has having with their service. The CSR I spoke with said XXXX would waive the {$300.00} per line EFT ( early termination fee ) ; yet, for whatever reason, XXXX apparently charged the debt off as bad debt and sent it across the country to a XXXX different debt collectors, some of whom briefly reported it to my credit history. I have received no written notice from Convergent Outsourcing it is the ( latest ) agency trying to collect this disputed debt. The first I heard of it was when alerted by my credit-monitoring program that a new collection was reported by Convergent. Worse, I do not see them so much as reporting it disputed, despite the fact the debt was been disputed at least a half-dozen times over the last 5 years. I am aware that various state and federal consumer-protection statutes, such as the Fair Debt Collection Practice Act, requir e the disclosure of dispute whenever communicating about a disputed debt. I dont apparently even get that courtesy here. I realize that Convergent is in the business of collecting debt, and is simply following through on its clients wishes, but it nonetheless has an obligation to do so correctly. I would ask that Convergent request whatever tradelin e ( s ) it r eported to be deleted, and for it to return the account to XXXX and properly inform them of the problems outlined here, so t hat God willing and the creek dont rise this is the end of this saga. Thank you.
|
| 08/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Last Fall, I became aware of a company claiming I owe money on a telephone bill that is not mine. They were making derogatory reports to credit agencies. On XX/XX/XXXX, I challenged that company - XXXX XXXX XXXX - to prove this alleged debt was mine according to to the Fair Debt Collection Practices Act, something which I knew they could not do, and once they could not, that they would have to desist their activities. They sent me an invoice, pretending that this constituted proof of a debt. On XX/XX/XXXX, I responded with a Cease and Desist, with which XXXX XXXX XXXX failed to comply, so I filed a first complaint with FCPB where I prevailed. I forwarded all of this information to the alleged debt originator, XXXX, informing them that if it truly was them who was alleging this debt, they or their agents must comply with the law. The issue seemed successfully resolved.
In XXXX of XXXX, I was contacted by Convergent Outsourcing, Inc. alleging a debt with XXXX. On XX/XX/XXXX I replied with an immediate Cease and Desist, informing them of the past events and that they and their alleged originator were still bound by the prior Cease and Desist and the findings of the FCPB. Today, XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc. claiming that they had " resolved my dispute and confirmed my debt '', once again submitting the unacceptable and illegal use of a simple invoice in lieu of the legally required signed document or court order - which of course does not exist - even though they had been served a Cease and Desist and not a dispute, and had already been informed that I was fully aware that an invoice was not proof. Moreover, any legal and legitimate collection agency would know that an invoice does not constitute proof of debt under the Fair Debt Collection Practices Act.
|
| 12/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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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.
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had a phone plan with XXXX I had 2 lines & a XXXX XXXX. Each line was approximately {$45.00} per month. The watch line was an additional {$10.00} per month. In XXXX before my new billing cycle, I ported out one number from XXXX to another carrier because the other carrier 's coverage worked where I needed it to. XXXX continued to charge me for that line. My bill was on auto-pay. When contacting XXXX they only offered a bill credit when I said I wanted a refund so I ported out the remaining lines before the next billing cycle. XXXX charged me for all 3 lines the next cycle.
I contacted XXXX and was told they would refund me the last payment only because I had a bill credit. I said that I had no more lines with them so I am due a refund. They said they issued a bill credit. I had no way of getting my money back that they overcharged so I disputed the charges on my credit card statement. The disputes are still pending, but the credit card issued temporary credits on the card.
XXXX then billed me directly for the amounts that the credit card company credited, added reversed payment fees & sent the bill to collections. When I called XXXX they said the bill was not in collections. I've received a letter and phone calls from a collections agency. XXXX representative could only file a dispute on my behalf for the bill, but can not fix it even though they see that I was overcharged for months for lines that I no longer have. Meanwhile collections is saying I have an unpaid debt that needs to be collected. I don't understand how a bill can end up in collections when it was only generated on XX/XX/2023. The last bill in XX/XX/2023 had a bill credit of XXXX. So somehow I went from having a bill credit to having a past due amount of {$270.00} in less than a month & the bill sent to collections
|
| 11/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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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!
|
| 04/25/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I requested that XXXX XXXX provide me with validation that I owe THEM money. I also requested that they show copies of papers saying that I agreed to pay what they say I owe & I did not receive that information. I did however receive the documents that they claim are debt validation. But I am here to advise that the account summary from your computer database that was sent over does not validate that I owe them any money. I am requesting documents showing that I agreed to do business with THEM ( XXXX XXXX ) and that the money is owed to XXXX XXXX. Please provide me with a signed contract that shows my signature agreeing to do business with XXXX XXXX. Furthermore according to the XXXX you can not collect on a charged off debt purchased from the original creditor. I want this information removed from my credit report immediately!
I sent Convergent a certified letter asking for proof of the debt requesting copies of outstanding bills from XXXX, the original collector to which tally up to the amount of {$5300.00}. I would like an explanation and breakdown and most importantly ALL of the outstanding bills from XXXX, which justifies and shows the amount owed. Convergent only provided me with an account summary, which is useless to the information I requested. I have demanded to see how XXXX & Convergent, have calculated the amount owed of {$5300.00}, preferably through outstanding bills. Your company has found this debt to be valid however did not provide me with any justification, bills or unpaid balances reports of the valid or any of the information I requested in the certified letter which was sent and received by Convergent on XX/XX/XXXX. Pleased note again, I need to be provided with the outstanding bills from the original company, XXXX that lead up to the amount of {$5300.00}.
|
| 04/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Convergent Outsourcing continues to call my place of employment last call was today XX/XX/XXXX in the AM, calling my personal cell phone multiples times a day, and has sent emails on XX/XX/XXXX and XX/XX/XXXX. I replied to the first email from XX/XX/XXXX on XX/XX/XXXX with the attached letter stating this debt is not mine and I am requesting proof in an itemized bill with my signature that shows the debt is mine. I informed them this is the law, and they are not to contact me until I they provide the documentation requested. In addition to sending via email I mailed a hard copy of the letter on XX/XX/XXXX.
I have continued to receive calls and emails, but no documentation as requested. Today I filed a complaint on their website submitted through their internal form stating I sent them a letting via mail and email on XX/XX/XXXX requesting no contact until written verification of the debt is provided. They continue to violate the FDCPA guidelines and continue to refuse to provide requested information while harassing me at my place of employment, email, and personal cell phone, I would like the information requested to prove I do not owe this debt and my credit remains free and clear, until that information is provided, I would like Convergent to no longer call my cell phone, place of employment, email me, or reach out other than in writing with the information requested.
Convergent email me on XXXX and XX/XX/XXXX I responded to Covergents email on XXXX, mailed hard copy of letter on XXXX and responded on XX/XX/XXXX they are not to contact me per my letter until I receive written documentation that is itemized and has my signature. To this date I have not received any documentation.
Convergent called my place of employment on XX/XX/XXXX Convergent calls my cell phone daily.
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| 04/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
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I have been receiving daily or multiple times a day calls from Convergent Outsourcing , Inc . I was not able to determine who was calling me until today. When I began receiving the calls, from what is obviously a spiffed number and a non-existent area code, I called back to see who or what it was. I was asked, upon answering, if my name was XXXX someone. I replied no, and told them to stop calling my number. I told them I had no idea who the person you are trying to reach is. After stating this, I was immediately hung up on. I went through this three or more times over the next several months then stopped trying. The calls persisted once or twice a day and I even received one text. Today I answered the call and immediately asked to speak with a supervisor. I was instantly hung up on. I called back eight times asking for a manager or supervisor. I was variously told that he was in a meeting. He was unavailable. He would call me back if I provided my phone number. He would not speak to me unless I informed the agent what the reason for the call was, which when I provided it, resulted in being hung up on again. On call number 9, the agent who answered was a breath of fresh air acting professionally and putting me on hold to get a supervisor on the line. The supervisor was a woman named XXXX XXXX, Employee ID : XXXX. She addressed the issue professionally and assured me I would receive no more than two additional calls while the system removed me. Convergent Outsourcing violated my rights by continuing to call me repeatedly even after telling them multiple times they had the wrong number. When I called to correct them I was hung up on repeatedly. I want to file a claim for punitive damage. Can I do that at CFPB like I would be able to on the FTC website for unsolicited calls?
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX account was discharged under Bankruptcy in XXXX. XXXX continued to bill for service despite notification of termination of contract or service. Services were not used from date of notification through and beyond date of discharge. However XXXX XXXX continued to bill for services not used and not wanted incurred prior to discharge and past date of discharge. They subsequently sent balance to collections. Initial collection agency was notified of the Bankruptcy and discussed the service billing periods and the collection was abandoned in XXXX.
Four years later ( as XXXX was in process of acquiring XXXX and needed collections on the books ) beginning XX/XX/XXXX I received collection notice for the same discharged debt not only under the Bankruptcy but also under the initial collection agency. My complaint is against XXXX for continuing to bill for services after bankruptcy and continuing to collect said debt after it was discharged. Additionally my complaint is against CONVERGENT OUTSOURCING as they continue to attempt to collect a debt that was discharged under bankruptcy in XXXX and discharged by a previous collection agency. They continue to attempt to collect a debt despite dispute through credit reporting on multiple occasions. They have been provided Bankruptcy discharge on multiple occasions. In addition they are attempting to collect a debt that was discharged by a previous collection agency and is more than 7 years old. More importantly Convergent Outsourcing continues to report the debt falsely as new debt as of XX/XX/XXXX more than 4 years after the original debt thereby falsely reporting the history of the debt. Thereby violating Fair Credit Reporting.
Convergent Outsourcing Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
|
| 09/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have tried multiple times to dispute the debt, they were notified by me and my credit repair service that the debt was not mine. I explained to the young lady that I hadnt lived in that home in years and I could prove it. Im in the process of buying a home and this is holding me up. They credit repair company had already spent over 30 days in this matter. When I called the first time they asked for my social I provided it and it pulled up an account in some else name and when I advised them of that they put me on hold and blew me off. The conversation is recorded according to them. I needed this off so I agreed to pay a settlement after two weeks of phone calls because they wanted me to pay it without getting something in writing. I REFUSED! I finally spoke to someone who said setup a payment arrangement and they would send a confirmation letter before they take the payment. I set it up for the XXXX of XXXX. The letter was suppose to come by email never did and I had to submit a different email address. The letter showed up after the XX/XX/XXXX and they processed the payment any way it declined. I received the letter on the XXXX paid the settlement on XX/XX/XXXX payment cleared on XX/XX/XXXX however now Im having the same issue with them updating the credit bureaus. Why do I have to wait 39 days for XXXX update my file cause the collection company says the cant. Every time you call its something different. I requested to have a supervisor called me back several times, I have spent to much time trying to get this resolve and Im still trying. My credit repair started working on this back in XXXX XXXX. I also contacted XXXX by going into one of their payment centers to discuss the issue they told me to deal with the collection company cause they didnt care about my issue
|
| 01/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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This complaint submission is in regards to a collections account by CONVERGENT OUTSOURCING ( Client Services XXXX XXXX XXXX XXXX XXXX, WA XXXX ) stating I have a delinquent account with them. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I do not have any revolving accounts with them what so ever. CONVERGENT OUTSOURCING is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. I spoke with a Supervisor in the CUSTOMER RELATIONS DEPARTMENT by which they stated there were not able to locate my account and demanded my personal information when I had the account number present. The account number was received directly from XXXX credit bureau to whom which CONVERGENT OUTSOURCING is reporting to. It was extremely difficult to obtain any information from them, as they became aggressively rude over the phone. I attempted to obtained their Fax and Mailing address to forward them a debt validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response. It was confirmed through my fax machine that the Department had received the files ; however still no correspondents.I have no legal obligation to this company no will I ever in the future. I am requesting CONVERGENT OUTSOURCING to immediately remove me from their systems, and update the XXXX Credit Bureau on this action. At this point, CONVERGENT OUTSOURCING have failed to provide any competent evidence or any legal obligation. Once again, CONVERGENT OUTSOURCING is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
|
| 02/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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I was liviing in XXXX NJ and subsequent to becoming XXXX and I had immediately received assistance for my heat ... gas and electricity provided by XXXX .
In the new year XXXX XXXX, I moved over an hour away and NEVER re received any notice of owing any amount due, HOWEVER. .I did receive a postcard forwarded that stated the fund had unassigned benefit for XXXX only to be paid to the XXXX account for my profile on record.
I called and explained I had moved and had no bill and of course the credit I had completed a timely request for consideration was approved already and I had no action to take and to my surprise. I received the postcard and apparently the move had me off their system as per XXXX.
I was advised in I believe XXXX with the organization requesting the information to assist so that they would be able to find me to confirm my status and to receive a 3rd party Attempt to Collect a Debt not owed, is bold at the very least and having not planned the incident that affected many, and needless to say, my personal self, my accustomed income through strong sense of service abd purpose, to add to this, so many negative responses through my credit and almost half either paid, insured or on this case, a serious lack of communication since XXXX was initially bouncing payment back and I handled it and as quickly as that, in turn they, The XXXX Local Branch advisd me of the payments rerouting and paid in full give a few extra dollars, I never heard back to support the actions of Convergent. ( The copy of what I received today is attached in this email. ) Again, unapplied funds in my name under my XXXX acct number for XXXX XXXX in XXXX were rerouted to XXXX XXXX XXXX to 3 yrs now.
I Thank You in Advance for Your Time and Attention!
Gratefully, XXXX XXXX XXXX XXXX
|
| 07/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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A company called XXXX XXXX XXXX. keeps calling my number looking for someone other than myself. I 've told them repeatly they have the wrong number. Even after they said they were removing my number they call again. Even bereating me if I know of a person named XXXX XXXX who they 're trying to reach. Very unprofessional hangs up in my face and cuts the call short without offering a solution. You get no where with this company to resolve matters.
Was called on XX/XX/XXXX at XXXX XXXX. I was n't able to answer the call that day.
Was called on XX/XX/XXXX at XXXX XXXX. Answered the call said I was n't the person looking for.
Was called on XX/XX/XXXX at XXXX XXXX. Told them I was n't the person, lady said she would remove my number.
Was called on XX/XX/XXXX at XXXX XXXX. Advised them that last time they called me someone was supposed to remove my number. Representative said she could n't help me and ca n't remove it and bereated me about knowing XXXX XXXX. Then hung up on me.
On XX/XX/XXXX I called the number back spoke to a man representative who said could n't help me unless I gave him my number but he would n't tell me his company name or who he was or company he was calling from. I asked speak to supervisor but ended up getting a regular collection person who did n't know what was going on. He just transfered my call to her line.
This lady did try to help me but could n't and did apologize for the other rude representatives. She stated it was there policy that they needed my number to remove it. She also told me the company name and where she was calling from. I advised them that I do not give my number out to just someone who calls me on the phone especially when I do n't know them and they have these kinds of practices because of scams and other fraudalent things.
|
| 10/28/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I sent a letter to Convergent Outsourcing , Inc dated XX/XX/2021 requesting debt validation. Instead of sending proper debt validation, I received a letter from Convergent Outsourcing , Inc, dated XX/XX/2021 indicating : X This debt is valid, attached is verification of the debt.
Attached to the letter were XXXX statements.
Convergent Outsourcing , Inc., did not properly validate the alleged debt according to applicable debt collection laws. Convergent Outsourcing , Inc., failed to provide a signed contract between myself and their company. Convergent Outsourcing , IncXXXX, failed to provide proof of a business relationship between them and XXXX. Convergent Outsourcing , Inc., failed to provide proof that I legally owed the debt they are attempting to collect.
To CONVERGENT OUTSOURCING, INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt.
It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes.
Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury.
I have no recollection of a business relationship with Convergent Outsourcing , Inc. ( CONVERGENT OUTSOURCING, INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and Convergent Outsourcing , Inc .
Please verify your claim under pains and penalties that this is a true debt and not a collection scheme pursuant to 15 U.S.C. 1692.
Please send me a certified copy of your license to collect a debt in California.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved,
|
| 07/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
|
| 10/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
|
|
Hi, this is the second complaint I have filed with the CFPB on an old XXXX XXXX cell phone bill from around XX/XX/XXXX-XX/XX/XXXX. If I am not mistaken this was placed on my credit reports and then after seven years it was removed.
For some reason, all of a sudden, I am getting debt collection letters now from a " second '' company requesting I pay this very old bill.
I have already had this charged off and placed on my credit report and it was on there from around XX/XX/XXXX - XX/XX/XXXX. I do not owe this money because it was already put on my credit report one time and was already on there for seven years until it fell off my credit reports.
I do not know why after nearly 15 years I am getting collection letters from debt collection companies on this account.
My concern is that this charge is going to be placed on my credit reports " again '' for another seven years!
Please help me with this. You have already helped me with the first collection agency who was trying to collect on this old debt, but now " another '' company is sending me letters.
I have called XXXX XXXX to confirm this charge and since the account is so old they have no record of this bill, but yet I am getting debt collection letters now from a second debt collection company.
I had already filed a complaint with CFPB regarding the debt collection company named : XXXX XXXX XXXX. There phone number is XXXX. That account number is XXXX. I thought CFPB had resolved my complaint with the XXXX debt collection company ( e.g. XXXX XXXX XXXX ), but now I am getting a 2nd letter from a XXXX debt collection company ( e.g. Convergent ) regarding this same very old cell phone bill that XXXX XXXX can not confirm whether or not I paid the bill or not because the account has been purged.
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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I am being unfairly treated by convergent outsourcing and their refusal to remove an incorrect and illegally reported collection account from my credit report.
I have consulted local and state consumer protection agencies with assistance regarding the credit reporting of the above referenced account. Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California XXXX Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution.
I have determined that convergent outsourcing is prohibited from submitting information relating to me with regards to the paid collection in question to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law.
For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed.
Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports.
Should this item remain on my credit report and you refuse to remove it after the filing of this complaint with the Consumer Financial Protection Bureau and the California Department of Justice, I will have no choice but to seek legal action against you. I hope you cooperate with my request.
|
| 01/03/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted Convergent regarding an alleged balance from XXXX of {$1200.00} that is on my credit report.
The billing they sent me dated XX/XX/XXXX shows a previous balance of {$1100.00} but no explanation how they came up with the owed amount with previous detailed charges.
At the time of the service with XXXX, I contacted them because I was not getting cellular service like I was supposed to. XXXX explained to me that the reason for the missed, dropped calls and interruption in service was because they were in the process of repairing their cellular towers and that they had no set date of when the repairs would be completed by. As such, since I was getting no service and missing client business calls I had no choice but to cancel my service. I assume the majority of the bill was early termination fees and final month of service which obviously was not provided. Based on what they sent me in response to my request ( when a consumer asks for detailed charges simply sending a previous balance is not sufficient ). Their information is incomplete and I can not proceed with any type of negotiation with such incomplete information. It is my assertion that based on the lack of cellular service provided and local statutes in my state that prohibit utility companies for charging services that can not be rendered I should have no balance owed and this collection should be removed from my credit bureau record.
I contacted Convergent via certified mail in XX/XX/XXXX. I also contacted the 3 credit bureaus in XX/XX/XXXXand one last attempt to Convergent in XX/XX/XXXX and have been working on getting this resolved since then. It 's been over 8 months and still do n't have a resolution.
Attached is a copy of the billing they provided in XX/XX/XXXX.
|
| 10/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On or about XX/XX/2021, I received a phone call from an agent with Convergent Outsourcing looking to collect on a XXXX Account. As I do with all calls of this nature, I informed them I do not discuss any billing / debt collection type information over the phone and they need to send me proof of the debt in writing and release from XXXX so I know I am paying them instead of XXXX, should any money be due. At that point, the agent informed me that they could " E-Mail '' the information over immediately so I could have an opportunity to clear this matter up. I reiterated that I only act on Documentation that is sent via US Mail.
Since that time, I did not receive anything from them via Call or US Mail.
On or about XX/XX/XXXX, Convergent Outsourcing posted the Collection account to all 3 Credit Reporting Agencies ( CRA ) which resulted in a significant negative impact on my Credit Scores. I received an alert of this posting on XX/XX/XXXX.
I reached out to Convergent via phone and spoke with a XXXX. XXXX so I could find out what was going on. I was informed by her that I wasn't aware that this debt was due since I understood it to have already been paid for by XXXX XXXX XXXX during a Phone number Porting. I then asked what I need to do to remove this account from my CRA 's.
She then informed me that the debt amount of {$500.00} is due to resolve this debt, that amount would need to be paid, however, they will not remove anything from the CRA 's.
I did ask for validation from " XXXX '' that this debt is still due, and I am in contact with XXXX XXXX XXXX to determine what happened and if there is a disconnect on either side. I am also following up the verbal request for information with a physical letter sent via Certified Mail today.
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX I sought to establish internet service in XXXX, RI with XXXX XXXX. The service was to provide high speed internet, but upon installation was often only providing 1-2 Mbps as measured by my speed tests. This connection speed is not fast enough for even modest internet usage let alone to stream a program or otherwise effectively use the XXXX. The problem was confirmed by innumerable XXXX technicians over the next year. There were at least half a dozen technician appointments which included checking termination of cables and even changing the cable on the electric pole by XXXX XXXX. In providing access for technicians at these many appointments I often took time off work. Despite their best efforts, the technicians never were able to resolve the issue at this location and explained that the XXXX infrastructure would simply not work to provide internet effectively as currently cabled in this location. Yet I was being charged upwards of $ XXXX for high speed internet with cable. During my time there I paid XXXX over XXXX XXXX dollars for services that were never fully provided as promised. Upon receiving a final bill, I sent a letter to XXXX XXXX department to notify them that I was in fact owed a refund for the services I paid for but did not receive. This letter was sent by certified mail on XX/XX/XXXX.
XXXX XXXX has now in XX/XX/XXXX caused a collection agency to make a report of unpaid debt in the amount of {$77.00} to the credit agencies thus lowering my credit rating from 830+ by 100 points and thus disqualifying me for a loan from the lender with whom I was working.
I believe that this action is egregious and has caused me significant monetary damages. I would like this credit damaging report to be retracted at once.
|
| 11/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing, INC is reporting a frivolous debt to my credit reports that are not legally owed to them. I have never in my life done any type of business with this company.
They are reporting that I owe them {$490.00}. When did I receive {$490.00} from Convergent Outsourcing, INC?
I have never received any sum of money nor any merchandise from this company! I have never spoken to anyone from this company before nor have I ever visited this company so how is it that I owe this company money? There is no legal contract that is binding me to Convergent Outsourcing , INC .
I have asked them to provide me with proof that I indeed owe Convergent Outsourcing, INC and also provide me with a legal contract with my wet ink signature as well as the wet ink signature of the representative from their company that shows any money I received from them as well as my promise to pay them.
They have not provided me with any of the requested documents. I have also asked them to provide me with proof that this frivolous debt wasn't bought from another company in which they haven't provided me with that either.
Instead, they sent me a bill from XXXX from XX/XX/2014, in which I have never had XXXX service. I have been a customer of XXXX XXXX for over 15 years. I have called XXXX on several occasions and asked that they provide me with documents or a contract of service so that I can file a fraud report with the authorities in which they couldn't provide me with any proof.
So Convergent Outsourcing, INC what is binding me to your company? What makes you think that I owe your company money? When did I do business with Convergent Outsourcing, INC? Where is the contract that shows that I lawfully owe Convergent Outsourcing, INC money?
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not Convergent Outsourcing with My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with Convergent Outsourcing to attempt to collect a debt from me.
15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form.
I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action.
Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop.
I dont have a written contract with your company to collect this debt and you have violated my rights for years.
Please cease and desist all calls and contact with me, immediately!
I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!
|
| 08/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello and good evening! I was shocked when I reviewed my credit report and found that you still reporting that alleged XXXX collection under my credit report. I've contacted both the Convergent Outsourcing collection company and the original creditor and sent them several letters demanding proof of this so-called debt that I owed them. I keep getting pre-printed templates with the transaction of the calls, but not the documents that i've asked for. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 02/26/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a student loan thru XXXX XXXX for XXXX XXXX XXXX which i went to in XXXX and completed in XXXX. My original loan balance was XXXX and I started paying them XX/XX/XXXX. The loan was serviced by XXXX XXXX. I paid {$96.00} a month sometimes more, {$120.00}. I started my loan payments immediately and never missed a payment. I paid them off in XXXX. They were great and never had an issue with them. the rest of the tuition was covered by XXXX XXXX as I was a single mom and qualified for assistance.
The problem is XXXX XXXX XXXX went out of business after that. There was some fraud issues and they kept poor records thus abruptly shut down. I paid all my obligations to them via governement grants and student loans. I have all documentation and the contract that shows this. Collection agencies purchased their debt and have been harrassing me for the student loan amount saying that I still owe it. I have told them on several occasions that it is false as I was still paying on the student loan debt and paid it off. They filed derogetory marks on my credit which i disputed with proper documentation and had removed. The debt has been sold to 3 debt collection companies ... the last one is CONVERGENT XXXX. Says creditor XXXX XXXX XXXX. They say i owe them {$2700.00} which was my loan balance from XXXX at the time XXXX when out of business. This is a scam. They have been harrasing and threatening me continuously. Calling my home, work, moms work etc. I told them my debt was paid in full and have proof and they said this is double jeapardy and i still owe them. They are aggressive and slander me in the calls. This is unacceptable. I am a XXXX mom and have worked so hard to keep my credit perfect and pay my debt. This is ridiculous.
|
| 10/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am not a robot, I am no credit repair company, I am a human being please assure I am not given a generated code from the computer with this investigation thank you.
To whom it may concern this credit breach has bought to my attention that over the past couple years that these accounts were fraudulently open without my knowledge. I am in total shock, depressed and more so XXXX off for the most part that I didnt receive any alerts over the years. To my knowledge I was never contacted or I never gave any one consent to open up any accounts on my credit. Ive mailed over several certified letters and I havent gotten any responses in more than 180 days. I have contacted the state attorneys office and I have filed papers looking to take legal actions because I was never contacted by no one. By law someone must contact me and get consent from me in order to open any accounts on my credit file. If I am not contacted then either the individual that used my identity nor the creditor has the authority to override any consent on behalf of my name or identity. I would like to know the steps that are taken to verify a consumer? By law it states you must verify correctly 100 % before an account can be placed on a credit profile. It puts the creditor at fault and several FCRA laws has been broken in this case. I have contacted my lawyer as if yesterday and we are taking legal actions considering what response we receive and the outcome of this situation. If this isnt fixed or I dont receive a response I will have my lawyer file legal documents immediately following this message response. I also contacted FTC & BBB. I am allowing 5 days to come clean and remove the accounts. Please look at the attached photos.
Thank you for your time.
|
| 02/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a copy of my email that was sent to XXXX XXXX XXXX XXXX, XXXX My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I check my credit score occasionally and the last time I checked it I had two ( 2 ) derogatory remarks due to a Collection/Chargeoffs. At the time all of the information I had was the name of the collection agency. I contacted them. They told me that my name, Social Security Number and date of birth matched the information on file for whomever used my identity to obtain electricity in the State of XXXX. I have never lived in XXXX. I was told they would note it on their account but I would need to contact the local police and file a report and then go to the identity theft website and complete the necessary information. I did go to the police but because I live in the county I would have to contact the Sheriff 's Department to file the report. I had officer XXXX XXXX of the XXXX XXXX County Sheriff 's Department come out to my home. After explaining and requesting a report he advised that because this involves two state ( XXXX XXXX XXXX ) I would need to go to the website XXXX and proceed to filling out the Fraud Complaint online. This week I received a collection letter from Convergent Outsourcing , Inc. demanding {$700.00} which was 80 % of the full amount of {$870.00}. I contacted them and relayed this same information. The gentleman told me I may also need to complete a fraudulent packet with XXXX XXXX XXXX XXXX, XXXX. Obviously this is very frustrating that as the victim of this activity I am having to go to such lengths to clear my name because of another 's incredulous acts and over {$800.00} at that. Please advise.
Thank you.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
|
| 08/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
Good afternoon.
On XX/XX/XXXX I started receiving calls and letters from different collection companies trying to collect money to pay debts as result of unpaid accounts which someone else opened using my name as related with the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX without my authorization, It was the result of an Identity theft that I was a victim while I was serving XXXX as XXXX XXXX XXXX.
The companies from where the letters came from were XXXX XXXX XXXX and XXXX.
I took care when I found out the issue making a report with XXXX Police Department XXXX, and sending letters to all XXXX Credit Bureaus.
I informed the companies that I 've never had relation with the mentioned address explaining the issue but them requested from me a lot of papers as copies of Social Security number, Driver License, prove of the last XXXX address where I lived, Bank Statements, etc. I considered the requested absolutely unsafe and unfair, all those papers according with them were needed to prove that I was not the one owing them money '' '' '' '' '' '' Even though in XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX where they informed me about the decision to discontinue collection efforts related with XXXX account, on XX/XX/XXXX I received again another letter and calls from a different company : Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXXThe letter again trying to collect money, it looks that XXXX company is still passing info or selling the debt company by company after almost 2 years since the incident started.
In the attached documents you can find in page number XXXX the letter from XXXX XXXX closing the case, and in page number XXXX Convergent letter dated on XX/XX/XXXX starting again.
|
| 09/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This started with XXXX in XXXX of XXXX. We moved that month and were told that upon moving, our internet would go through a " transfer-of-service '' ( meaning that our account and set billing cycle would stay the same and just be transferred to the new address ). This did not happen. After two days of being on the phone with XXXX, we finally were able to get our internet up and running, I was told on the phone by the rep that a new account would have to be made, but the old account from the previous address would be cancelled- which was fine by me.
Fast forward a month a later ( XX/XX/XXXX ), I get an email from XXXX saying that our bill was past due ( and the address in reference was the old address. Unfortunately, I can not recall the amount at the time, but it has since gone up to {$480.00} ). I called XXXX and explained the situation. I was told by their representative that they would waive the bill due to us moving/ transferring service, and that the charge would be removed. I was glad to hear that. A few months later, we received a letter in the mail from a debt collector ( company name is Convergent ) requesting payment for an amount of {$480.00}. At this point, I'm livid. I called XXXX to explain my situation ( again ), and was told by the representative that this would be taken care of, and not to make any payments because I have no charges or debts associated with my current account or the previous account that was closed.
Since then, we have several more letters requesting payment for {$480.00} from Convergent. In fact, we just received one that was dated XX/XX/XXXX. I didn't make an attempt to call due to XXXX 's assurance that the charges would be waived and their advice to not make payment.
|
| 06/10/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Explanation of complaint : Convergent Outsourcing Inc. is intentionally misrepresenting data in violation of the FCRA ( https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act ).
This is a clear violation of the law.
Collection Agency ( COI ) Must supply all of the following documentation in an accurate and truthful manner.
1. Original Contract 2. Pay Off Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance COI is fraudulently " re-aging '' debt for the purposes of damaging credit in attempts to manipulate and coerce consumers. ( What is re-aging and can it harm your credit report? Re-aging is the term used when a debts status changes in credit reports to make them appear as a new debt. Unless a financial institution is the one doing the re-aging process after a payment agreement has been established, neither the original creditor nor a debt collector can re-age a negative account.
No matter how many times a delinquent account is transferred or sold from a debt collector to another, the date of first delinquency should not change. Doing so is a severe violation of the Fair Credit Reporting Act ( FCRA ). ) COI has been contacted regarding this matter and has been unresponsive.
I request assistance in requiring COI to adhere to legal and ethical requirements including : 1. Deletion of the derogatory entry in any and all future reporting to any and all credit reporting agencies.
2. Supply me with all of the required documentation as required by FCRA listed above ( numbered 1-6 ) 3. Supply complete documentation regarding all entities with whom this collection action has been transmitted to so that correction and dispute actions may be completed.
|
| 06/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
CONVERGENT OUTSOURCING XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report.
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft.
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account CONVERGENT OUTSOURCING ACC XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
XXXX XXXX XXXX XXXX XXXX/XXXX/1972 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
|
| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
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| 04/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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Convergent XXXX XXXX reported a collection on my credit report, supposedly myself owing XXXX a balance from an old account, account number XXXX. I received a letter from Convergent, also attached to this email, dated XXXX claiming the debt. I responded to the claim, with the copy of the equipment return, showing a {$0.00} balance from that account on XXXX. Convergent nor XXXX had contacted me before the date of the letter from Convergent claiming the debt. However, prior to receiving this XXXX letter from Convergent, the collection was on my credit report. Convergent was in direct violation of the FDCPA and FCRA laws. Those laws state that I have 30 days from the date of the letter, which was received 7 days after the date of the letter. I immediately responded to convergent with the proof of no debt owed to XXXX, and my complaint that they did in fact violate laws by reporting the collection prior to my 30 day response period, and by not providing verification properly, specifically FCRA, 611.B.iii, showing and describing the process, person and accuracy of the debt, NOT a printout of a " supposed '' invioce. I sent the dispute to Equifax, which failed also to properly and legally verify the process and person and true verification of the supposed debt. The " supposed '' invoice and collection amount is only {$130.00}. Which had I been contacted by XXXX or even Convergent, PRIOR to and in accordance with the FCRA laws of the " 30 day '' period they are required to allow the " debtor '', this would have never become a collection account. I have provided proof to Equifax and Convergent of their viloation of my rights and the FCRA laws, and neither company removes the falsehoods of this account.
|
| 07/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XXXX XXXX Fraud & ScamSince, XXXX 2013 I have XXXX XXXX Services. I just Recently, Signed another 2 Years Contract with XXXX. I order XXXX Phone with Color of my Family. XXXX Phone Came in with right Colors and XXXX Phone wrong Color I called XXXX and ask them to Change the Color and Tell told me to Return the Phone to any XXXX XXXX we 'll send you the Right Color? Since then I Never received any Phone and My Service from XXXX Disconnected and They send me the {$660.00} Bill me to Pay. I called them Many time and Whenever, I come to the Point to ask Money Phone Automatically Disconnect. Scam already set to Collect Money with in1-2 Mins and When Customer Service? Or any other Services will take 1-2 Hours waiting time.
Scam Set for Asking Your Phone ... Zipcode .... PIN # etc etc. When Representatives Pick up the Phone Ask you Exact same Question You Feed on the Call on Automatic Call. It 's take another 5-10 Mins. Then They Start Conversation? CAN YOU PLEASE GIVE US 5-10 MINS TO REVIEW YOUR ACCOUNT?
AFTER SCAMMING ALL THESE NONSENSE QUESTIONS? LET ME CONNECT YOU TO OUR SUPERVISOR? Them it will take from XXXX waiting time.
When you ask from Supervisor all these question? Why My account due for {$660.00} Dollars? And Why My Services Disconnected? OH SIR OUR SYSTEM IS DOWN? WE WILL CALL YOU AS SOON AS WE GET OUR SYSTEM BACK. When You call them Back and ask Them Why I did Not Received the Call from your Supervisor? They Hang-up the Phone.
They Take Your Number and Never Call you Back. I have tried XXXX times and Finally Gave up!
I Need to File the Compliant Against XXXX XXXX and Get my Full Refund from XXXX and Disconnect the Services and Keep my Phone Numbers and Join other Mobile Services.
|
| 05/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX sent me a letter dated XX/XX/XXXX asking me to pay a balance of {$140.00} that was a total surprise to me since I do not use their services at all. I called the XXXX XXXX the last week of XXXX XXXX and spoke with XXXX from Customer Care. She advised that the bill was for purchasing 2 phones from them in XXXX XXXX and returning them the same week. I explained to her that I returned the phones the same day I received them in the original boxes because the phones did not pick any XXXX signal in my house to be activated. I told her that I called them the week I returned the phones and made sure that I did not need to pay activation fees or restocking fees. Indeed XXXX refunded my credit card the activation fees that week. After some time, XXXX told me that she was able to delete the activation fees of {$71.00} but was not able to delete the restocking fees. She told me to wait at leas t 72 bus iness hour for my account to update. No further communication did I receive from XXXX until today. I received a debt collection notice from Convergent asking me to pay the total debt I owe to XXXX which is {$140.00}. I am extremely disappointed and am unable to pay these fees. My credit report can not withstand a collection. I have no funds to hire a lawyer. I do not owe XXXX any debt and never received any services from them to pay for. The phones failed to activate because there is no XXXX signal where I live. I returned their phones intact immediately after speaking with them and documenting that I was not able to activate the new phones. I paid for their shipment back. XXXX Account Number : XXXX Convergent Account Number : XXXX
|
| 06/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
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XX/XX/2022 Purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XX/XX/2022 Attempted to set up and use the device. The message Sim card not detected was displayed and the device was unusable. When I contacted tech support I was told that this was a KNOWN ISSUE and that there was no fix for it yet, although they had been working on one. I had been knowingly sold a non-working device! I was offered more expensive hot spots for purchase.
I immediately returned the device, and the return was received XX/XX/2022.
I expected all charges to be cancelled, as per the Cancellation and Return policy in the agreement I signed with XXXX XXXX quoted below : Cancellation and Return Policy. You may cancel your Rate Plan by going back to the original point of purchase and returning all devices you acquired with your activation within 20 days from your activation date ( Cancellation Period ).
I cancelled in 2 days.
Received a bill/dunning notice from XXXX dated XX/XX/2022 for {$130.00} XX/XX/2022 Contacted XXXX and spoke to XXXX or XXXX. Told that someone would call us on XX/XX/XXXX and that this charge would be taken care of.
XX/XX/2022 Spoke to XXXX or XXXX and was told that a final statement on XX/XX/2022 should show no charges XX/XX/2022 Collection Agency Bill for {$78.00}. PAY OR LOSE MY GOOD CREDIT!!!
XX/XX/2022 Spoke to XXXX at XXXX who was unable to help. Could not access my account, could not contact credit agency by telephone.
XXXX attempted to contact the credit agency several times during their stated business hours and found them closed.
XX/XX/2022 To protect my credit, I am paying this bill under protest, and at the same time I am filing a complaint with the US CFPB.
Thank you,
|
| 06/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Convergent Outsourcing Inc is currently reporting on my XXXX, XXXX XXXX XXXX consumer reporting bureaus that I owe their company, {$380.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Convergent Outsourcing Inc & myself, legally listing Convergent Outsourcing Inc as a person/company entitled to enforce a commercial claim against me. On XX/XX/2023 ( document enclosed ) I mailed & faxed a letter to Convergent Outsourcing Inc . It was NOT a request for verification or validation. This letter was a demand for proof of contract to substantiate Convergent Outsourcing Incs claim to XXXX, XXXX & XXXX that I am indeed the correct person that owes {$380.00}. Convergent Outsourcing Inc responded back by mail with computer generated documents and NO documents contained my wet signature to substantiate their claim. Nevertheless, no document was notarized through the presence of a notary public, who duly swears the copy made ( and sent to me ) is in fact a copy of the original paper contract in question. I corresponded back by mail and fax on XX/XX/2023 and Convergent Outsourcing Inc has ignored my legal demand for information. Convergent Outsourcing Incs documentation provided is misleading. Convergent Outsourcing Inc has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
|
| 11/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports.
CONVERGENT OUTSOURCI Reported : XX/XX/2019 {$140.00} There is no contract, no valid claims ... account was settled with original creditor ( XXXX ) and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XX/XX/2022 I made a settlement payment to XXXX in the amount of {$710.00} to settle the outstanding balance for my XXXX XXXX account. On XX/XX/2022, I uncovered information indicating XXXX may have billed me in error. Specifically, XXXX may have billed my account while and after a different account was active at the service address associated with my XXXX account. On the XXXX I contacted XXXX to resolve this issue but XXXX refused to furnish additional information that would confirm or deny whether I was billed in error. Also on XX/XX/XXXX, I initiated a dispute via XXXX XXXX regarding the {$710.00} payment made XX/XX/XXXX. I provided to XXXX XXXX the evidence that I may have been billed in error, and disputed the payment on the grounds that XXXX had not been able to resolve my concerns. On XX/XX/XXXX XXXX XXXX acknowledged receipt of the dispute and, in accordance with their dispute procedures, temporarily returned the {$710.00} payment while they awaited a response to the dispute from XXXX. As of this writing, XXXX has not responded to the dispute initiated via XXXX XXXX. On XX/XX/XXXX XXXX reported my account to the XXXX and XXXX credit bureaus as " in collections, '' and on XX/XX/XXXX XXXX engaged debt collector Convergent Outsourcing , Inc. to attempt to collect the purported debt. On XX/XX/XXXX I contacted XXXX in writing to ask they respond to my concerns and correct the derogatory credit bureau reports. XXXX replied XX/XX/XXXX, failing to address my concerns and refusing to provide any additional information. I believe I may have been billed in error and thus do not owe this debt, and have made repeated attempts to resolve my dispute with XXXX and their debt collector.
|
| 04/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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my name is the XXXX my biological father he is the same name sake except he is XXXX and he has used my social security number and an old license to get a XXXX Cell phone or something I am not sure for years I have been trying to get this off my record Convergent outsourcing INC they have not only lied about the debt but they have changed the name of their company and everytime they change companies or buy it from another person they add a new date as when it was closed reguardless I have a XXXX cell phone myself and I have had the same cell phone number for at the least 10 years it was opened in my XXXX by my mother under her name but the number has been the same I have tried to fight this over and over but they find ways to put it back on there I even had them on the phone XXXX verified the length of my cell phone number history and admitted it was not me but then they sold the debt to XXXX and again I stated the same and went through the process and again I was going to do it on Convergent Outsourcing INC online but it is a trick if you file a claim online you have to agree to owing the debt or knowing whos debt it is mighty slick but I am not going to do it this is not fair I cant get it off and they wont talk to me unless I admit its my debt which it is not I want them to take this off and I will not admit to owing money that I do n't even know where or when it came from but this has been a 7-8 year struggle anyway I try they switch the account once they know it is n't mine or they hang up on me after about an hour of arguing back and forth I am getting married and will not have this happen much longer so is there something you guys can do to help or do I take them to court???
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| 11/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Convergent Outsourcing is attempting to collect a debt that I don't owe in the amount of {$73.00}. I never opened an account with XXXX and not sure why this has showed up on my credit report. This is a case of identity theft and is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. Convergent Outsourcing has no right to report on my credit report. Convergent Outsourcing and XXXX should not have any of my personal information. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Convergent Outsourcing and XXXX are in violation of contacting me this is harassment and abusive practices. This is a violation of rights and Convergent Outsourcing failed to send me a debt validation letter before placing this account on my credit for that Convergent Outsourcing should be investigated and shut down as the economy is hard enough living during post XXXX XXXX. Furthermore whomever really owes this debt should be given a grace period before the debt is just placed on their credit report since XXXX hit the world out of no where and people are trying to repair the financial damage it's caused the debt is only for {$73.00} but the negative impact it has on someone's credit staying for 7 years is crazy and should not be allowed! I am pretty sure there's a way to work out a payment schedule that both the creditor and the person responsible can figure out.
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
CONVERGENT OUTSOURCING is falsely reporting on my credit.
Per my research CONVERGENT OUTSOURCING is a debt collector.
Account # XXXX are falsely reporting and violating my rights and fair credit act. Under 15 U.S. Code 1681d- Disclosure of Investigative consumer Violation. I have attached the definition so you can see the violation.
A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
I request to be provided proof of this alleged item, specifically the original contract and instrument bearing my signature with CONVERGENT OUTSOURCING. Failure to show results in item to be deleted from the report as soon as possible. Under federal law, you have 30 days for a reinvestigation.
I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that the information they gather and distribute is fair and accurate .. Every step must be take to assure the information is reporting correct.
|
| 04/05/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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XXXX XXXX XXXX XXXX in saying I owe money that I do not. I signed up for service from XXXX in XX/XX/XXXX. I transferred my energy bill from an apartment on XX/XX/XXXX to a new address. The plan never should have changed, just transferred service but approximately 9 months into service at the new address, my bill was consistently increasing. I called multiple times to inquire why my bill was changing. In XX/XX/XXXX they told me the bill would be an average based on the usage of the home from the previous year. I explained to them that I had not lived at that address the prior year and that the property had been vacant for over a year so that information would be inaccurate. I was never late with a payment during the entire time I had my account for over 3 years. I made repeated attempts to contact XXXX to ask why my bill was so inconsistent. Every time I was told it was taken care of, that there was an error with the billing.
I moved out/vacated the new address on XX/XX/XXXX & canceled service. The last billing cycle I am responsible for is XX/XX/XXXX to XX/XX/XXXX which I paid the amount due of {$250.00}. I was sent a bill showing I owed {$740.00} for " Balance Due for Billing Plan ''. I called and was told it was for Deferred billing. I have no idea what Deferred Balance is or what it means and I never signed up for that. I repeatedly called to ask about it, to dispute it, to tell them that was not correct. The error in billing is on XXXX end. I do not have phone records of my attempts to resolve this, only 2 conversations via chat helpdesk showing my attempts to get this resolved. I was unemployed for most of the pandemic in XXXX but always paid my bills in full and on time.
|
| 05/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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In XX/XX/XXXX, I received a copy of my credit report. I noticed that XXXX XXXX had placed an entry on my report and had not previously notified me that they were allegedly attempting to collect a debt from me. This company did not send a dunning letter prior to placing the entry on my credit report. This is a direct violation of my consumer rights. Additionally, it did not allow me the 30 days as mandated by consumer law to dispute the validity of their inaccurate entry. To that end, I disputed this entry to the credit bureaus in XX/XX/XXXX. XXXX, XXXX and XXXX alike stated the account was verified. I followed up with this company disputing the entry they placed on my credit reports. In my most recent attempt at researching this alleged debt, I sent a dispute dated XX/XX/XXXX to Convergent.
In this dispute, I requested that Convergent provide an agreement that states their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable, verification that this debt was assigned or sold to collector, complete accounting of the alleged debt and name and address of the bonding agent for this collection agency in case legal action becomes necessary.
Convergent failed to deliver the information, yet they continue to violate my consumer rights with the reporting of this entry. Convergent 's response provided mere screenshots of information that could be very well manipulated and falsely created.
Also, the screenshots provide no validation to the alleged debt being mine. This item should be DELETED immediately from my reports.
|
| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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This is a New Complaint filed on XX/XX/XXXX.
I am extremely distressed that you have continued to report fraudulent reformation. For well over 4 years. You guys have Included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
The last response I received on XX/XX/XXXX is as Quoted, On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$570.00}. We sent you a validation notice on XX/XX/XXXX. This notice included your right to dispute the balance owed. To date, this complaint is the first communication we have received on behalf of this account. In response to your complaint, this account has been placed in a disputed status and collection activity has been suspended. We will obtain validation from our client. Once this information has been obtained, we will mail the documents to you. It is Convergent Outsourcings position that this account will be updated to the credit bureaus with accuracy as disputed.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed especially given this process has lasted while over 5 months & I have received little to no communication from you guys which is highly unprofessional. If you are unable to provide me a copy of verifiable proof bearing my SIGNATURE. It must be removed immediately. Thank you in advance!
|
| 05/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an invoice from XXXX XXXX , XXXX saying I owed {$210.00} for an unpaid balance to XXXX XXXX. They did not say the date of the bill or what it was for, just the company. They immediately offered to drop the amount to {$150.00} if I called or paid it within 30 days of the invoice. I've been receiving a ton of calls recently as well that I have not answered because I didn't know the number.
After receiving this invoice, I immediately thought it to be a scam as I have not had a XXXX bill in I don't know how long. Actually it could be over 10 years and it was for cable. I also know that everything has been paid and I owe nothing. So I did some research online and it looks like they try to collect on things that aren't even owed. I called to let them know I didn't have bill.
When the lady answered she immediately asked if this was, ( said my name ). I said " This is she. '' And then she said the reason I'm calling is because of a debt you are owed. This conversation is being recorded for collection purposes. I said, first of all, I called you. You didn't call me and I don't owe anything to this company. How did you get my name and this " supposed '' debt amount. She then asked for my social security number. I refused and said I don't give that out. She said I owed a bill and they are trying to collect and again asked for my social so they could verify the information and tell me what exactly it was for. I again said no. Then I said they should remove my name and number from their calling list and not to call again or I would notify the police. She then hung up on me.
So far nothing has shown up on my credit report. Hopefully nothing will or I will be furious.
|
| 01/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX and I am submitting this complaint without the influence of any third party. Convergent Outsourcing has continuously ignored my complaints regarding an alleged debt that is currently being reported on my consumer report. I have been challenging this account for the last several months and nothing has been done. This account is erroneous and not accurate which is a violation of federal law which supersedes all organizational policies. It is to my knowledge and is even reported on the CFPB 's website that credit reporting is NOT mandatory. 15 USC 1681B ( 2 ) Permissible purposes of the consumer report state that a consumer report should be " In accordance with the written instructions of the consumer to whom it relates. '' As the consumer, I have advised CONVERGENT OUTSOURCING that this account is not mine and I also advised to discontinue communicating with me through all mediums. A credit report is a form of communication. 15 USC 1681a ( 2B ) states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is EXCLUDED from the consumer report. Therefore, even if this debt was indeed mine federal law excludes extensions of credit that originated from the issuer of a credit card. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. CONGRESS states ANY card. The credit card would be my social security card. I am demanding to have this account removed immediately.
|
| 02/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had XXXX as cable company for 3-4 years. Upon purchasing a new home i tried transferring services with them to my new address but they did not offer service at the new address. I then had to cancel my service. I was told I owe {$0.00} I paid all my bills on time never late on anything. I have perfect credit and have never missed a payment and have no derogatory credit at all. After a year I received a collection notice saying I owed a collection company or XXXX over {$890.00} for terminating my services early. I called XXXX and asked for proof of any contract XXXX phone recording with me agreeing to a contract or written contract ) they provided me with nothing. If there is proof of me agreeing to a contract after having services with them for over 2 years Im more then happy to pay what I owe. But they wont provide proof of anything. I had XXXX from XXXX to XXXX when I moved to my new address. I tried calling the collection agency not only do the refuse to delete this collection or provide proof of contract but they hang up on me every time I call, I cant even speak with a supervisor. Im beyond frustrated because this is dropping my credit score over 40 points and Im personally in the financial services field with no derogatory remarks on credit except for this. I even went to a XXXX location and they said your right you owe {$0.00} but you need to take this up with customer service and or collection company but they are not doing anything for me and I have been trying to get this removed for over a year. Please help me get this deleted off my credit. The collection company is convergent outsourcing. I would like this collection deleted off my credit report please
|
| 05/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After paying off a past debt directly to XXXX XXXX XXXX , I received multiple letters from Convergent date d XXXX - XXXX -2017. The first letter is a standard attempt to collect debt, dated , XXXX - XXXX -2017, this letter was received on XXXX - XXXX -2017 and was the first instance. The next day, I received letter from the same company dated the SAME day, X - XX -2017 stating, " Based on recent phone with our AGENT, we understand YOU may have a dispute regarding an account with our CLIENT. '' It is reasonable at this point based on their own provided letters, Convergent a cknowledges an issue exists in the validity of this debt the same day. As of XXXX XXXX , 2017, my credit monitoring has indicated that this company has placed this debt to all XXXX credit bureau 's even though XXXX XXXX confirms notifying Convergent on or before the mailing date of these multiple letters. This has caused nearly a XXXX point drop in my credit rating which has caused severe financial detriment to a pending financial matter. We have talked with XXXX at XXXX XXXX XXXXXXXXXX on XXXX - XXXX -201 7 who assured us Convergent is completely in ERROR and should NOT for any reason be pursuing this debt. Please note this debt was PAID OFF prior to the original dating of these letters from Convergent. As well, this is causing SIGNIFICANT FINANCIAL impact and Convergent should act swift ly to resolve this immediately. PROOF of SATISFACTION : PURCHASE AUTHORIZED - XXXX XXXX XXXX XXXX FL XXXX CARD XXXX XXXX XXXX XXXX can be reached directly at, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL, XXXX ( XXXX ) XXXX
|
| 10/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Good Morning!
Dates, those I am unaware of.
Convergent Outsourcing XXXX {$290.00} I am completely unaware of this account as I have no record or documentation regarding this claim.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
And Please State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Thank you for your time!
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| 01/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Hello, I am writing today because on XX/XX/XXXX, I received a derogatory mark on my credit report from Convergent Outsourcing. In over 10+ years of having credit, I have not ever had such a mark placed on my account as I work very hard to pay all of my bills on time as I know how important my credit is. After investigation of this company, I believe this may be linked to a previous account that I had with XXXX, which was cancelled and fully paid for after their most recent data breach in XXXX. However, I dont know for sure if this is as a result of the cancellation and what this is for as I was never contacted at all about this. I am making this assumption as I found hundreds of horror stories online associated with this company and their scam collection attempts of previous XXXX customers. I never was allowed the 30 days to contest this debt and ask for proof of who and why this charge was issued against me, because I was never notified of this debt by either Convergent nor XXXX. This is illegal and predatory. My credit is now severely damaged as a result of this. I will be sending a verification letter request, disputing with the credit agencies, and getting a lawyer if needed. I work so very hard and i will not sit idly by while my financial future ruined. Please assist me with getting this resolved. This is, by law, criminal and this particular agency appears to be known for scamming people. I can not address a supposed debt that I didnt know existed in the first place. And I would have addressed this for sure. My record of always making my payments and on time speaks for itself. I do not play around when it comes to my credit score. This is my future at risk.
|
| 09/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Convergent Outsourcing Original Creditor- XXXX XXXX Account address- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , LA, XXXX Collection opened on XX/XX/XXXX Original debt from XXXX I moved from the address associated with the collection account 3 years ago. My phone number changed within that time but not until XXXX. I never received a call from the original creditor stating I owed anything. Received a call last week in regard to this debt from Convergent Outsourcing in the amount of {$180.00} from XXXX XXXX.
The collector didnt want to identify themselves and I questioned if it was even real since the agent was so reluctant to even identify themselves.
I updated my address and received no communication in regards to this in XXXX years.
Once on the phone with the agent I asked what it was in regards to because I had no idea. I simply asked if the CO representative to send me a validation letter so I could review the debt. I called the original creditor to ask if the debt was valid. Although I question the validity of the debt I was happy to settle the debt in full after being notified of it. I told them that I could pay them once they sent a final bill as I never received anything.
I received a collection on my credit report notice this morning from both the XXXX and XXXX. I wasnt given any time to pay the debt or any real notice in regards to the debt and any documented validity that I even owed the debt in question. I even paid it just because I didnt want it to keep staying on my credit but havent received any notice from either agencies on what I allegedly owed in writing. I had no issue paying the debt I just wanted to receive a validation letter in writing.
|
| 03/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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The debt collector, Convergent, is claiming that I owe a cable provider debt that I do not owe. They claim that this debt was incurred in XXXX this is OUTRIGHT FALSE.
The last time I had cable television in my name was in XXXX or XXXX. As far as I remember, that account was closed satisfactorily with no payment due. However, even if this were not the case, this debt would be over XXXX XXXX XXXX.
Furthermore, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX. Since I was there working the refugee crisis, my time in XXXX is well documented via major media like XXXX XXXX, and social media pages.
At best, this company is REAGING old debt to make it appear new. A practice illegal and violating my rights to have my credit reported ACCURATELY.
At worst, they are making up debt all together.
Because I am rebuilding my credit and have VERY LIMITED number of accounts, the damage of this collection account has been immense and I have been rejected from many financial opportunities.
I can not even get approved for the smallest card amounts and have been unable to rebuild my name because of their illegal practices.
I disputed this account with XXXX back in XXXX and this company verified the false information they are providing and XXXX took their word for it without an further investigation that would have concluded this is NOT a valid debt or that it could possibly be recycled and reaged.
As such, I would like to file a complaint against both XXXX and Convergent. But especially against Convergent.
For them to intentionally cause financial harm to Americans with false information after everything we went through with COVID shutdowns is particularly repulsive.
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XXXX, I purchased an XXXX XXXX XXXX from XXXX store # XXXX, as part of new phone services. Upon return to my home in XXXX, I realize that there is almost no reception, so unable to make phone calls or use the data service. The next day XXXX, I returned the said phone back to the store and terminated the phone service. A return receipt was issued by the store. By XX/XX/XXXX, I began receiving bills from XXXX claiming that I owed {$870.00}, which was exactly the cost of the returned XXXX XXXX XXXX. I made numerous calls to XXXX sales and customer service to resolve the dispute. Customer service concurred that no payment was owed. Sales claimed the bill was valid. XXXX bill is sent to a collections agency called XXXX XXXX XXXX, who sent me a settlement offer of {$520.00}. I wrote back to XXXX, rejecting their offer, with evidence of the phone receipt. They closed the file. On XXXX, I received notice from a second collections agency called Convergent Outsourcing asking me to settle for {$430.00}. Convergent also registered this debt in my credit report as collection delinquency. I wrote to Convergent with evidence of the receipt and received no response from them. I filled a dispute with XXXX to address the matter. XXXX completed the dispute by backdating the delinquency back to XX/XX/XXXX, even though they noted that the dispute qualifies for an FCRA.
XXXX and Convergent Outsourcing have no factual basis to establish existence of this debt. All attempts to resolve this matter has been unsuccessful. The return receipt is attached with this dispute to show clearly that the store from which the transaction occurred received the phone and issued a return receipt.
|
| 07/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Due to customer service and other financial consumer reasons I chose to move my service from XXXX to XXXX back in XX/XX/XXXX. I always paid my bills on time every month when I was at XXXX. I called XXXX to notify them that I was switching my service and that I would continue to pay my account monthly. This was back in XXXX of XXXX. Below is a list of payment I made to XXXX per normal bill paying and arrangements. I will include these paid charges in the upload process filed as part of this complaint. Billing History XX/XX/XXXX - XXXX PAID **Service Canceled** XX/XX/XXXX- Canceled Service With XXXX - No user related monthly charges. XX/XX/XXXX - Final bill from XXXX for billing period XX/XX/XXXX-XX/XX/XXXX - Received Final Bill from XXXX for {$930.00} for equipment charges. XX/XX/XXXX - Paid {$200.00} which reduced balance to {$730.00} XX/XX/XXXX - Paid {$730.00} which was the full payment required to payoff balance. On XX/XX/XXXX - XXXX XXXX ( Collection Agency for XXXX ) - Reported me late to all three credit reporting agencies ( XXXX, XXXX, XXXX ) for owning {$930.00} to XXXX. - Reported again XX/XX/XXXX with paid in full. - Re-Reported XX/XX/XXXX - Report is inaccurate ( not sure why ) When this was first listed on my credit file for the very first time ( WHEN IT SHOWED UP ON MY CREDIT FILE ) was on XX/XX/XXXX for owing XXXX. I made payments from XX/XX/XXXX - XXXX of XXXX. The amount was paid in FULL before Convergent reported it or first showed up on my credit reports. Frequent requests to get this removed from my credit file have been unanswered or denied. This is a clear violation. I was making payments and this was paid. XXXX/Convergent refused to remove.
|
| 03/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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I tried/signed up for a phone plan with XXXX XXXX back in XXXX of 2020. I never received the SIM Card in the mail after 3 times calling and them saying they sent it. I could not utilize the phone or service during this time and was never able to use the service because I never received the SIM card to activate the plan. After hours of time trying to get help I was unsuccessful. Finally I got so frustrated I canceled the plan and signed up with XXXX.
I kept receiving bills to my e-mail from XXXX and called more than 3 times and was assured the plan was canceled and not active and I should disregard the bills. Well they never stopped coming and I called/chatted/etc ... at least another 3 times and kept getting the runaround. Well sure enough I recently received an email followed by 2 letters from a Collection agency called Convergent Outsourcing Inc . I watched my hard earned credit score plummet XXXX Points!!
This is an outrage, I tried and tried to call XXXX but that call everytime is routed to Convergent where they give you the same runaround. After asking for a supervisor etc I was once again assured this will be dropped and go away. Well surprise I got a " Final Determination '' letter in the mail the other day saying " This debt is valid, attached is verification of the debt. What was attached were the bills I kept receiving from XXXX even though I had never used their service not even for one minute!
You simply CAN NOT speak to a person at XXXX unless you are signing up for a new plan. Other than that you are on your own. Horrendous experience from such a prestigious company they have gone horribly wrong.
Please help me get them held accountable.
|
| 07/03/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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In 2016, I received a bill for {$1400.00} from XXXX XXXX XXXX. I called them because the notice said, " I was going to be disconnected. '' I spoke to representative they gave me an address of XXXX XXXX XXXX. XXXX, Texas XXXX. It was a commercial business named XXXX 's XXXX. I was not successful on speaking to anyone there. So I called XXXX XXXX XXXX and explained to them that it was not me who used this energy & that my residence at the time was XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. They informed me they couldn't do anything about it and that If I didn't pay I would get disconnected. The disconnection came because I could not pay that large amount out of nowhere and ended up having to use a prepaid light company until I paid a deposit for XXXX XXXX in which they allowed me to split my deposit payment and get regular service. This was a Identity theft. I did once go to a police station by XXXX XXXX near my place of business. I was told that I couldn't file it there and given some info sheet.
Nothing has been resolved. I have disputed it many times and it has been placed on my credit report regardless. Plus, they have placed it in collections and recently managed to report it as a late payment. I don't know how this is possible since the damage has been done by placing it in collections but still reporting it as late how is it that possible. It's like knowing they won and still kicking me by reporting it late, changing the dates of the " supposed incident '' allowing it to extent and start over, placing it in collections & as much as I dispute I'm being fed to the dogs and no consideration of what this is doing to my credit that affects my life in general.
|
| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter dated XX/XX/2021 stating I owe {$840.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt and requested verification and validation of the debt. I did not receive either. I did not mail certified so that was my mistake. This letter was mailed on XX/XX/2021.
I then received a letter dated XX/XX/2021 stating I owe {$3600.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt again and requested verification and validation of the debt. I did not receive either. This was mailed certified and it was received by Convergent Outsourcing on XX/XX/2021.
Today, XX/XX/2021, I have received another debt collection letter dated XX/XX/2021 stating I owe {$3600.00} to Receivables XXXX XXXX for account withheld per instruction, Reference withheld per instruction. I will again be disputing and requesting verification and validation of the debt, but this is now the third contact and each time I have disputed and requested verification and validation and I have not received it. This is not my debt. I do not have any accounts with this creditor ( supposedly XXXX ) and the threats of judgment against me after I have complied with the requirements to dispute and request validation and verification of the debt need to stop. It costs roughly {$5.00} to mail certified and I should have received the validation and verification as requested in both my first two letters. Please help me resolve this and not have to continue sending certified letters to dispute for a debt that is not mine. Thank you.
|
| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXXthru XX/XX/XXXX timeframe.
2 ) The address provided to and reported by XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX and Convergent failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX XXXX Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX and Convergent to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.
It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
|
| 02/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
|
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On XX/XX/XXXX I was alerted by XXXX that there was an unpaid debt collection added to my credit report by a collections agency named " XXXX XXXX, XXXX '' for an unpaid balance of {$260.00}. After reviewing the item in more detail, I was able to find very limited information and could only find out that this was in relation to an unpaid balance that a company named " XXXX XXXX '' had claimed was outstanding. I have never heard of either XXXX XXXX or XXXX XXXX, XXXX and have absolutely never done business with them. I have never received any communication from either company with regards to any matter including an account being opened or an unpaid balance, and have also never received any confirmation or validation of debt on my name. On XX/XX/XXXX I repeatedly called Convergent to find out why they have an outstanding balance on my credit report and to request more details in order to resolve. I was repeatedly put on hold and transferred to several different representatives who could not provide any additional information or confirm this activity on my credit report. These attempts to find out more information resulted in them hanging up on me, as well as telling me to call their " Corporate Office '' at the same phone number which I was already dialing that directed me to the representatives I have already been speaking to. Due to the fact that there was no communication of the an account being opened with XXXX and no validation of debt provided I am very confident this unpaid collections is a result of fraudulent activity against my name and want to have it removed from my credit report as it already affecting my credit score unethically and unlawfully.
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Convergent Outsourcing account : # XXXX XXXX account # : XXXX XX/XX/XXXX To Whom It May Concern, This reply is in response to Convergent Outsourcing letter dated XX/XX/XXXX, which I received from your office. As a result of my investigation, I am replying with the following information : I sent the first debt validation letter to Convergent Outsourcing Inc., XX/XX/XXXX. The next debt validation letter was sent on XX/XX/XXXX, I sent a debt validation letter to Convergent Outsourcing requesting additional information. I sent a third debt validation letter on XX/XX/XXXX. Convergent Outsourcing did not respond to any of the requests sent. On XX/XX/XXXX, I received a letter from Convergent Outsourcing requesting I submit a fraud claim for the account in question. I do not have a contract with Convergent Outsourcing and will not be providing my drivers license, social security number and/or any personal information. This is a stall tactic and again, Convergent Outsourcing has had more than 3 months to provide the required debt validation information under the Consumer Protection Act. Therefore, the debt Convergent Outsourcing is attempting to collect must be removed from my credit file immediately. In addition, XXXX confirmed XXXX did not release the debt from them until XX/XX/XXXX. By law, ( 3 ) companies, XXXX, XXXX and Convergent Outsourcing can not collect on the same debt, at the same time. Convergent Outsourcing has failed to provide a signed contract by me, nor have they completed the required by law, debt validation I have requested on XX/XX/XXXX.
Please remove this account from my credit report effective immediately.
Respectfully, XXXX XXXX XXXX
|
| 11/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I purchased a XXXX XXXX cell phone from XXXX. I was hospitalized in XX/XX/XXXX, was off work, returned to work XX/XX/XXXX. In the months I was off work, I received letter from XXXX XXXX account in Suspension, balance due {$230.00}.
The account has been turned over to Convegent Outsourcing , Inc. My original call to Convegent they insisted that I provide them with a credit card number, with the payments being taken out of my account by charging my card every month. I told the representative, I would be paying the account to them with a check/payment coming from my bank. The representative insisted that I had to make they arrangements with them the way they stated to me. I told the representative I have made a payment to Convergent, you will receive the payment within three days which they received 7 days before the XX/XX/XXXX. Calls from Convergent were coming up on my cell phone and I also received 3 call from them to my home phone, which I never gave them. I returned their calls last week or earlier this week, told the representative the same conversation I had with the other representative previously. Today, Saturday, XX/XX/XXXX, on my home phone and its XXXX XXXX from Convergent, telling me they tried to charge my credit card on XX/XX/XXXX and the charge was denied. I said let me repeat this again, " there might not be any funds on the card on the XXXX of the month, my bank will send payment/check before the XXXX of the month, XXXX XXXX, started raising his voice, tell me I can not make that arrangement. I proceeded to hang up the phone.
This is definitely continuous harassment. The payment are being made and paid before the XXXX of the month.
|
| 02/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have been getting numerous calls from XXXX over the past month 4-5 times daily. I would normally ignore the call because i am unfamiliar with the phone number. The times i would answer the call no one would respond, what would happen is that the line becomes silent and then the phone would hang up. I was a bit curious of the person that could be calling and wondered if it was someone who probably changed their number or probably just an important call and so i decided to dial the number on XXXX/XXXX/XXXX after which a female voice answered and said " Is this XXXX XXXX '' so i responded and asked " Who do i have the pleasure of speaking to '' the female voice kept asking if my name is ... ... ... .., to which i responded that it is only mannerly to introduce yourself and say what you are calling about, the person still decided to kept asking me to verify my name, address, and last XXXX digits of my social, I did not verify my social but i gave my name and continued to asked what was the reason for calling but the person kept asking me to verify my address and my SSN to which i did n't. They eventually started to tell me that this is an attempt to collect a debt since XXXX and if i was ever an XXXX customer. they still refused to give me the name of the collection agency they represent and kept saying i owed {$100.00}. I told them sorry they have the wrong person because i never was indebted to a XXXX. However i told the person not to call my phone ever and i will report this call. she ended by saying that this will go to dispute. I can say with all conviction that my credit report does not indicate i owe an XXXX and i am convicted that this is a scam
|
| 06/18/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
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
|
| 04/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On Monday XX/XX/XXXX I cancelled my service ( a cellphone line ) with XXXX. I requested that the cancellation be effective immediately, which I believe did not happen. I also asked whether I would be receiving a bill and was assured that I would not. Weeks later I received a XXXX bill in the mail stating that I have a past due balance of {$100.00}. I have tried calling customer service to dispute this bill but they have refused to help me because I do not have a pin code that they need in order to access my account. I asked to speak with a supervisor and the sales associate refused to get a supervisor on the line. I have been repeatedly failed by XXXX over several years, as my brother has continuously accessed my account and made changes on my account despite all the security protocols XXXX assured me they would put in place to avoid this issue. In XX/XX/XXXX I cancelled 2 lines ( I had a total of 3 lines ) and XXXX convinced me to not cancel the 3rd line so that my brother could take ownership of his line. He never did so the responsibility fell on me. Since XX/XX/XXXX the phone bill has fluctuated every month and XXXX has not even allowed me to see what they are charging me for because I do not have the pin code. This whole experience has been extremely stressful and I refuse to give XXXX any more of my time and money. I do not want to go the legal route and I am hoping that this can be a helpful means to avoid this issue going any further. I have excellent credit, have always paid my bills on time, and have never had any bill go to collections. I need XXXX to take accountability for their lack of security protocols and poor customer service.
|
| 03/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you the authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.
4 ) The Agreement grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including the license number that gives you rights to collect in my state.
6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also, read the attached letter and review all of the violations by your company
|
| 11/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I just received a letter from a debt collector by the name of Convergent Outsourcing , Inc . They say the creditor is XXXX XXXX.
Amount {$120.00} Account numberXXXX Convergent account # XXXX I already informed XXXX of this false information because I had received another letter and called XXXX to see what they were talking about. They couldn't find anything and we had determined it was the scammers that had been contacting me since XXXX when I switched to XXXX and when the Cyber attack happened. More they sent a letter that I'm in collections with a phone number, address, and it states no online pay available. I called the toll free number they have on the letter but it is closed today in the XXXX hour on Sat XXXX XXXX. I have not ordered anything new with XXXX ; earlier in the week l when I spoke to the the XXXX expert and gave him the account number he couldn't find any account tied to me. These people are emailing, calling, and texting everyday! It is starting to become confusing when it is really XXXX emailing me. At this point I'm missing out on real, actual emails and opportunities from XXXX without extensive research. They call, text and email all day while I'm at work. It doesn't matter if you block the calls, they will go generate another number. They are and have disturbed the little peace I have left. It has become really stressful while I'm at work and when I'm trying to enjoy my time off with my family. I have more calls and texts from them than I do from people I know. They refer started calling my other numbers that my children have under my account. And they are using local area codes. With XXXX as the caller id.
|
| 08/18/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Hello, Below is a response I sent to, Convergent Outsourcing, on a false debt they called me about today for XXXX XXXX XXXX, which, I have never owned and have disputed this debt with XXXX XXXXXXXX XXXX since they first sent this account to a collection company over 7 years ago.
XXXX To whom it may concern, The debt you are calling about as I explained to your agent, XXXX XXXX, today, XXXX/XXXX/XXXX, per my phone call to your number of, XXXX, has never been my debt, is not my debt and has been disputed for over 7 years! Your company is the fourth or fifth collection company that has bought a portfolio with this false account in it and I am giving you formal notice to Cease and Desist any and all collection activities to this matter with your company. If you continue to harass me with this false debt through calls to XXXX, through mailings to my home or falsely reporting it to any and all credit agencies I will pursue you with any and all legal recourse available to me.
I have just reported your company to the CFPB with a formal complaint filed about your harassing calls and to the false file your are harassing me about.
Good day, XXXX XXXX XXXX XXXX _____________________________________________________________________ I am tried of Convergent Outsourcings harassing calls for a debt I HAVE NEVER OWED. As in the letter I stated above, they have called my home repeatedly, when I answer, they either hang-up or it goes into a que that keeps repeating the same message with no answer. That is why I called them to end this harassment and matter.
Your help with this matter is greatly appreciated.
Respectfully, XXXX XXXX XXXX XXXX
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| 05/11/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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CONVERGENT OUTSOURCING HAS BEEN CALLING ME FOR OVER 2 MONTHS TO COLLECT A DEBT ON BEHALF OF XXXX FOR XXXX XXXXXXXX XXXX..OK I SPOKE WITH THEM ON XXXX XXXX2023, EXPLAINING TO THEM I'M HOMELESS, NOT WORKING, IN XXXX..I ASKED FOR A DISCOUNTED PAYMENT TO CLEAR BILL, SO IT CAN BE SETTLED..THEY AGREED TO THE SETTLED AMOUNT OF XXXX THEN I ASKED HOW LONG WOULD IT TAKE FOR IT TO BE REMOVED FROM MY CREDIT REPORT.. CONVERGENT OUTSOURCING TOLD ME IT WAS XXXX TO REPORT TO CREDIT BUREAU TO HAVE IT REMOVED ..OK, I CALLED XXXX ON XX/XX/XXXX XXXX TODAY, 2023, ONLY TO BE TOLD THE BILL ISNT SETTLED, AND I STILL HAVE A BALANCE OF $ XXXXTHE ORIGINAL BILL WAS {$260.00} THEY PLACED INTO COLLECTIONS..I SETTLED WITH THESE LIARS CONVERGENT OUTSOURCING, BY PAYING {$150.00} AS AGREED, NOW THEY ARE SAYING ITS XXXX I NEED TO SPEAK TO ... THIS IS NOT RIGHT..IF THE ACCOUNT WAS SETTLED FOR {$150.00} WITH THE COMPANY XXXX USED FOR COLLECTION, WHT AM I BEING TOLD BY XXXX THAT I STILL OWE THEM A BALANCE, WHEN THE MONEY WAS COLLECTED THROUGH A COLLECTION COMPANY .... XXXX AND THAT COLLECTION COMPANY IS DOING DIRTY TRANSACTIONS WITH CONSUMERS AND DON'T CARE .... CONVERGENT OUTSOURCING ARE LYING TO CONSUMERS THAT THEY ARE SETTLING ACCOUNTS WITH YOU ON BEHALF OF THESE COMPANIES, ONLY TO FIND OUT THEY ARE LYING AND REPORTING FALSE COLLECTION INFORMATION TO THE COMPANIES THEY ARE BUYING THESE ACCOUNTS FROM ... .THEY TOOK MY {$150.00} TO SETTLE XXXX ACCOUNT OF {$260.00}, ONLY TO FIND OUT THE ACCOUNT ISN'T SETTLED WITH XXXX... I HAVE COPY OF RECEIPT FROM BOTH COMPANIES..ITS FUNNY IT DOESN'T SHOW AS A SETTLEMENT ON EITHER XXXX OR CONVERGENT OUTSOURCING EMAIL OF RECEIPT...
|
| 03/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I have been trying to get this resolved for quite some time and it has now affected my credit. I got this account back on XX/XX/2020 and I got a phone for my daughter because she lived alone. The original phone was stolen at her job. When we went to get a replacement, the store we went to said they didn't have original phone on the account in stock. Needless to say, she decided to upgrade her phone and the store we went to screwed my account up. The guy decided to give her a upgrade by creating a new line and putting it as a camera on my account to get a new phone. The bill started getting out of control and to a point where the payments were very high as a phone bill. My daughter called and was told she could return the phone and it would be closed. When we called XXXX, they informed us that the location we went to was not an original XXXX location under them. We tried to return the phone because that was what she was really having to pay for but we have not gotten anywhere with it. I now have an outstanding balance of {$1800.00} on my credit report. I called XXXX recently and they said it is in collections and the company, Convergent Outsourcing, quoted me a balance of {$2100.00} and offered to settle for {$1400.00} and then said the lowest was {$1300.00}. I have received nothing but the run arounds and I want it off my credit so I can move to a new house. This one thing is holding me up. This is ridiculous for a phone that's not being used. The phone is still in great condition. XXXX said it couldn't be handled by them because the debt was in collections. I was given false information. I need help getting this resolved ASAP!
|
| 08/07/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Hello I wanted to filed a complaint Against Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, wa, XXXX. I wanted to start off to say that this was not the original creditor of my debt. In XXXXXX/XX/XXXXthis debt went into collections. I hired a credit repair company and the debt of {$1000.00} came off my credit because of inaccuracies in regards to the debts amount being inaccurate. In XX/XX/XXXXConvergent outsourcing buys the debt and starts to send me letters in regards to the debt. I told them verbally that the amount of the debt they are asking is incorrect. I only made 1 verbal contact with the company. Last year Convergent outsourcing started to report the debt to my credit. There are two problems here # 1. Convergent outsourcing started to re-report the old debt with the incorrect balance. # 2 in efforts to collect this debt they also reported a bogus delinquency date to make it look as though this debt was new. I disputed and disputed and they are still making claims that this debt is valid. When I asked for them to provide paperwork on the debt showing that I owed {$1000.00} they sent me a letter with supporting documentation totaling {$150.00}. I wrote them a letter to report the correct information to my credit and still I receive no valid information. I think that Convergent outsourcing is buying old debt account and placing them on peoples credit like they are new accounts in order to allow them 7 years to collect even though they are purchasing accounts that are 4 years old. At the time they put the debt on my credit it was 4 years old and they reported as new. Please look into this company.
Thank you
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| 01/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
I've tried reasoning with both XXXX and the credit company now. Neither will accept fault and remove this error. Here is the full story.
I transferred my phone number ( XXXX area code ) into XXXX XXXX XXXX under a brand new account. The representative on the line apparently opened up two brand new separate accounts without my knowledge. They tied my XXXX phone number to one account, and created a brand new phone number for the XXXX account. So now, there are two accounts under my social security number created on the same date. I am only aware of one. I go about my life and pay my bill as I normally would, without any indication or request to pay for the 2nd account. Eventually I receive a letter in from collections stating I havent paid my XXXX account, but when I log in my account is paid in full, on time.
I've contacted XXXX and spoken to multiple departments. I've explained my story. They understood my issue and admitted fault, but said they can not reverse or cancel the error. They will not contact the credit company and fix this mess.
I contacted the credit company and explained the situation. They ackowledge that this isnt my fault and XXXX should fix, but will not remove the error from my account. Nobody is helping me. My credit has taken a hit. This debt is going to be on my account for the next 7 years. XXXX is stealing money from me. This is not fair. I need some sort of help, please.
Specific details : The correct account number : XXXX ( PAID IN FULL AND CORRECT ) The account in collections : XXXX ( WHO MADE THIS? I did not authorize the creation of two accounts. The representative is trying to scam me )
|
| 05/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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Back in XXXX, I had switched my existing wireless phone lines to XXXX considering their 30 day satisfaction guarantee. However, within a month I realized the poor network coverage and internet issues and decided to return the devices I bought back to XXXX. I followed all the instructions from the customer representative from XXXX and they sent me pre-paid labels that I used and returned all the devices along with the boxes, accessories, etc.
I moved my service back to XXXX XXXX XXXX and replaced my phone number. I did not receive anything in the mail from XXXX but received a letter from Convergent Outsourcing after a month or two trying to collect ~ {$3000.00} from me for XXXX. I immediately called Convergent and then XXXX to get justification on these charges. XXXX confirmed they had received the devices and that it was billed in error to me, they made adjustments to the amount and I was asked to expect a final bill around {$80.00} which I paid once received.
Convergent Outsourcing reported to the Credit bureaus as collections, an amount of ~ {$3200.00} on XX/XX/XXXX, two years well after the account was closed, without my knowledge.
I still see the remark on my credit reports ( XXXX, XXXX and XXXX ) as collections affecting my credit scores negatively. Considering reporting error from XXXX and Convergent, this should be removed from my credit report and should not affect me in any way.
It is unfair for a company to charge 300 % more in error to a consumer, then report it to the collections, settle the entire amount and then report after two years to the credit bureaus to impact consumers credit scores negatively.
|
| 10/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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|
After checking my credit report back in XXXX, and receiving a phone call from XXXX XXXX, XXXX, - I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX, XXXX - I am not liable for the collection of the debt from XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. They have called and harassed me about this debt day and night. This has hurt me severely in regards to obtaining credit. XXXX XXXX, XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
|
| 03/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
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I've received repeated robo calls from this company on XXXX area code numbers every day for the past week. I answered a call this week to find out the person at the agency was looking for a XXXX male, can't remember the name she asked for. I told her she had the wrong number and to stop calling my number. She promised to take me off the list but apparently hasn't. I've received calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX today. The next day I got another call this time from someone claiming to look for me. They always attempt to argue the point rather than follow the law. The woman swore she " knew '' the law but really doesn't. I repeatedly asked her if she understood that she had to notify me first in writing, so I would know what the call was about. She never answered. I reminded her the law states NO robo calling without written notification first. These rough house collection agencies keep breaking the law repeatedly by making repeated and harassing robo calls rather than sending written notification with contact information, prior to making sporadic all day harassing robo calls with no messages left. The only thing they're doing is XXXX me off and forcing me to look for attorneys to sue them! I've blocked every number they've called me from and will continue to do so! I got another robo call from someone named XXXX at XXXX a few minutes ago, asking for XXXX XXXX, that's the 2nd time they've contacted me for a male XXXX who I don't know! I told XXXX if they call me again I'll file suit! She hung up on me but you can bet they'll call again! I want them to! Just so I can sue them and make an example out of them!
|
| 10/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX I used a XXXX account in XXXX to buy books for college classes I was taking off of XXXX. After using the account to make the stated purchases, I discontinued using XXXX for any future purchases. The Credit Card linked to the account expired and was not renewed. XXXX XXXX, I was contacted by XXXX to discuss possible fraudulent activity on my account. XXXX representative stated a Laptop was purchased XXXX XXXX XXXX XXXX using my XXXX account from XXXX and shipped to an address in California. I was asked if I made this purchase. I stated that I did not make this purchase. XXXX recognized that my account had been dormant with no use since XXXX. They stated that this would be investigated and stated they would contact me with any further information. I was contacted a second time by XXXX stating they confirmed this was possible fraudulent activity and would cancel this attempted charge and apologized to me. I stated in both phone conversations to please ensure my XXXX account was closed so that no charges could be placed on that account. This was recognized and further communication was given to me stating that all charges would be removed and the account closed. I completed all phone conversations with them to process the charge for investigation of fraudulent activity. XXXX XXXX, XXXX I was contacted by XXXX stating that I owed charges for a purchase in XXXX of the stated laptop above. XXXX stated they attempted to contact me for dispute of the purchase, but was unable to reach me. I stated the charge and activities were inaccurate. XXXX stated they understood this, but I was still responsible for the charges. Please help
|
| 03/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I called the original supposed debtor XXXX and their systems were supposedly down. I then tried to call the XXXX XXXX which is supposed to be the debt collection agency. The man who answered the phone kept saying " hello can you hear me now? '' I told him I could hear him fine and asked if he could hear me and he replied yes he then asked again if I could hear him now to which i just responded that I was calling about a debt. He asked for my name and I gave it. His response was " You have a very common name and I will need your social security number to look up the collection '' I told him I would only give the last 4 and if they have a debt associated with me as they claim it would bring up the account he said " Your name is too common and that even with the last 4 of my ssn he would not be able to find it without the whole number '' I told him they are trying to collect a fraudulent debt. I told him I would not give my entire Ssn to him and ended the phone call.
I did have XXXX XXXX in the past but I had it for 4 years when I discontinued my service I A ) was no longer under contract as the contract I signed was only for 2 years B ) When terminating my services I paid my final bill and C ) I returned all equipment XXXX sent me back to them. I have dealt with debts before and I know his answers to be lies. I believe this is one of those yes scams just trying to steal information and identities posing as a collection agency. Oddly enough this supposed debt is only appearing on my XXXX Credit Report ( this debt was supposedly from 2012. ) after their breach I am wondering if all this is a result of my stolen information
|
| 04/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX Convergent Outsourcing flagged my credit files with inaccurate/unverified collection information on XX/XX/XXXX. Their account was recently updated on XX/XX/XXXX reporting XXXX different open dates of XX/XX/XXXX and XX/XX/XXXX. Demanding unverified amounts of {$640.00}, {$980.00}, and {$980.00}. Please be advised that Convergent Outsourcing are not Holders in Due Course ; no services or goods were received from Convergent Outsourcing and I have not agreed to pay/tender anything to Convergent Outsourcing on behalf of their alleged client for any reason.
Convergent Outsourcing presented me with an offer on XX/XX/XXXX requesting a reduced amount opportunity of 65 %. I replied via XXXX certified mail with a notarized validation notice. Convergent Outsourcing has not responded and has continued to report their unverified collection account to my credit files.
Convergent Outsourcing have not provided valid documents or itemized statements VIA MAIL proving I owe a debt to them with contractual proof. I have not provided signed wet-ink releases of my private information to Convergent Outsourcing.
Convergent Outsourcing does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Convergent Outsourcings reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof also. Please abide by all mail codes. All calls are recorded for my safety.
|
| 04/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Convergent Outsourcing , Inc for committing fraud and identity theft. I have never contracted with Convergent Outsourcing , Inc and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud and unlawful extortionate activities by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Convergent Outsourcing XXXX Inc have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Convergent Outsourcing, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Convergent Outsourcing , Inc continues its collection efforts, I will file for litigation for actual damages caused, and Convergent Outsourcing, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 05/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Fraudulent charges were reported on my XXXX account. I took numerous efforts to resolve this with XXXX directly. I was told no debt was owed. I then was contacted numerous times by this collection agency after telling them that the account was in good standing.
After resolving the issue with my own creditors, I contacted the FTC and the XXXX about the issue and made complaints on my behalf regarding the errant reporting done by XXXX as well as the collections agency. I received no calls from the collection agency after until today, XXXX XXXX, 2015, almost a year later.
I explained again that XXXX errantly reported my account, that I have legal representation and am a part of many customers who were a victim of a class action lawsuit filed against XXXX. I told them that I can not be called during work hours, as it is not allowed for me to take personal calls, and that they should not be contacting me any further. I told them the XXXX time that if they wanted to contact me, they could speak with my lawyer, and they never have called him once to this day. I am still being harassed for no reason about money that XXXX told me I did not owe! Any efforts I made to reconcile the account, I was told I still owed money, even though the justification for the charges were errant ( such as being charged a contract termination fee, when I did not have a contract ), and when I had originally closed the account and talked to the representative, I was told I did not owe XXXX money. Then two months later the debt collection agency contacted me without any forewarning, letter, call or e-mail from XXXX saying I had money owed.
|
| 10/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was notified XXXX XXXX XXXX ( Convergent ) on XX/XX/2018 regarding an alleged debt on behalf of XXXX XXXX XXXX , XXXX ( see attached ). At that time, I contacted Convergent via phone and written correspondence ( see attached ) stating that I have reason to believe I am not responsible for the debt that is being attempted to collect. I received a letter back from Convergent dated XX/XX/2018 ( see attached ) stating they are not currently handling the debt. Convergent, also, stated that if any information had been reported, they will request that the information be deleted. I spoke to Convergent on XX/XX/2018. At that time, Convergent stated that they closed the account and sent it back to XXXX XXXX XXXX , XXXX ( " XXXX '' ).
I pulled my credit report on XX/XX/2018, and it reflected XXXX XXXX as a creditor on behalf of XXXX ( see attached ). The date reflected on the credit report was XX/XX/2018. XXXX XXXX XXXX has the same address as Convergent.
I contacted XXXX XXXX XXXX via certified mail on XX/XX/2018, and I copied XXXX Dispute Resolution and XXXX XXXX XXXX , XXXX ( see attached ). In this correspondence, I requested information verifying the debt.
I received a correspondence from XXXX dated XX/XX/2018 ( see attached ). In this letter, XXXX states that the account was transferred to XXXX XXXX, and I needed to contact Debt XXXX XXXX XXXX to discuss the account. The number listed on the correspondence is for XXXX XXXX XXXX.
I received a correspondence dated XX/XX/2018 from XXXX XXXX XXXX , XXXX ( " XXXX '' ) ( see attached ). In this letter, XXXX states they are collecting a debt on behalf of XXXX.
|
| 06/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX. XXXX XXXX XXXX ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) XXXX -Status : COLLECTION ( Inaccurate reporting/Unauthorized ) - {$850.00} -Balance updated : XX/XX/XXXX ( inaccurate ) ( This is not my account ) Reporting late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) This account is inaccurate/ Unauthorized and also unverified. REMOVE 2. XXXX XXXX ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) -Open : XX/XX/XXXX -Status : collection ( Inaccurate reporting/Unauthorized ) - {$600.00} Update this account to be removed and deleted immediately.
Please respect my consumer laws and honor the changes that are inaccurate and update my report or this is considered a VIOLATION. REMOVE/ DELETE, Pursuant to 18 USC 8, Owe no debt. This company is violating my consumer rights to privacy pursuant to 15 usc 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. If this item doesn't show delete/ Remove this will be considered as a VIOLATION under 15 usc 1681s-2.
3. Unauthorized inquiries that were violating my report due to no consent given/ I did NOT GIVE NON OF THESE COMPANIES PERMISSION TO PULL MY REPORT. Please remove it immediately.
- XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX, XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) These companies all violate my rights 15 usc 1681s-2
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
This collection agency keeps disregarding the laws. I have sent letters asking them to provide the original signed documents ( by me ) proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family.
According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
I can go on and on and on!
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
On XXXX and XXXX CONVERGENT OUTSOURCING : # XXXX has violated my rights.
This collection agency has no respect for the laws. Someone needs to hold them accountable for this.
|
| 08/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, I just finished talking with 6 different representatives at 3 different offices about an alleged debt that was sent to them. They couldn't verify the SSN and reporting the wrong balance. The credit bureaus are saying that I owed {$390.00}, however, when I call them they kept saying that the balance is {$0.00}. Again, : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 08/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Received a notice, dated XX/XX/XXXX and received XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX claiming we owed a XXXX debt of {$140.00}. It should be noted that we have not had a XXXX account in nearly two years and that account was in both of our names, not only my husband 's. Our previous account was closed in XX/XX/XXXX, paid in full and all equipment returned to the company. I wrote a letter to Convergent on XX/XX/XXXX disputing the debt/claim and requesting written verification of the alleged debt. Received an undated letter in return with several XXXX/XXXX statements, all addressed to a person with the same first & last names as my husband, at an address in XXXX, XXXX. I called Convergent to advise that in the past 28 years my husband has lived only in XXXX & XXXX and never has lived in XXXX. After numerous phone call attempts over several days and including numerous " disconnects '' I finally got in touch with an employee, XXXX XXXX, who advised my only remedy was to file an identity fraud claim with the FTC and would not cancel the claim against my husband. I checked a couple of credit reporting agency reports and have found that my husband 's reports include a listing of all of our residences in XXXX & XXXX and several addresses in XXXX where we/he have never lived. We also found that numerous credit checks have been run by companies with which we do not do business apparently by the other person with the same/similar name in an attempt to obtain credit. Clearly ( to us at least ) there is at least one other person in the country with the same first and last name.
|
| 09/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
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In XXXX 2016, i saw on my experian credit report thatbi had a debt collection debt on my credit report, which i had no knowledge of, the company convergent Outsourcing put a debt on my credit report. Which is not mines, The company violated the law for not allowing me to dispute the debt, nor send me any kind of verfication within the five days of initial contact. I contactedbthe company back in XXXX 2016 and told them it was a fraud accout. Once i contact the company, i told the company i wanted to dispute it. I was told a fraud packet would be sent to me, but i never received it. The company didnt verify the debt was mines, they just did slander to my credit. Which put a parked debt on my credit report. The company put XXXX collection account both in XXXX 2016. The company Convergent Outsourcing has ruined my credit. I dont not know anything about this debt nor applied for anything. The convergent outsourcing has been involve in deceptive acts. Convergent Outsourcing also violated my rights as a consumer, there are certain steps a debt collector suppose to do before negatively impacting a person credit report. So i am asking Convergent Outsourcing to remove themselves from my XXXX Crefit report, which they reported twice, not one, but twice, which negatively impacted my credit. So i decided to file a compliant. Because i can sue the company for impacting my credit report and for the damages they have done. I told the rep that i have no knowkedge of this debt, but i never recieved what they told me they was going to send me, this company is a scam company and does not agree to what they say,
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| 06/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a phone call from a debt collector who did not identify themselves saying they were collecting a debt on behalf of XXXX around XX/XX/XXXX. I did not recognize the charge and pressed for more details. They said I owed XXXX for a trade in that did not happen. When I pressed for more details the collector said they had mailed a letter out explaining it the day before they had called me. I informed the person on the line that I would take no action until I received something in writing. They then hung up on me. I immediately called the financial institution that houses my XXXX financing account. They had no clue what the XXXX debt was and had no records of selling a XXXX dollar debt or sending it to a collection agency. And I have received no written communications or phone calls from XXXX itself to communicate any sort of outstanding debt.
After, I verified my account was up to date and paid.
I received a letter in the mail from a company called " Convergent Outsourcing on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX '' charging the XXXX. Dated for XX/XX/XXXX. On the back of the letter it says that unless the office is notified in 30 days, that you are disputing the charge, that they will consider the debt valid.
A quick search shows many upset consumers are saying that this company has fraudulently charged them and negatively impacted their credit reports. Many other people have been charged for accounts that they do not own. I will not pay this collections notice until I receive verification from XXXX or my financing institution that this debt is legitimate.
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| 05/03/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Federal law requires the following Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money.
While Convergent claims they do not buy debt and that they are only doing so on the clients behalf they still have to obide by credit collection guidelines. They are still Required to verify debt and provide mailing showing amount owed.
Convergent is attempting to collect on a debt that was disputed with XXXX in the amount of XXXX . This XXXX $ was a cut off fee for services that were not used or explained. Information on the debt was sent to company and no response was received. This has to occur within 30 days.
A written cease and desist was provided to the company on the basis of inaccurate debt reporting and failure to follow federal guidelines.
Violation of privacy laws occurred by there own admission on their website " Certain information may be collected from you automatically when you access and use the Site. For example, we and third parties may use Tracking Technologies ( defined below ) to collect Usage Information ( defined below ) based on your Device Identifier ( defined below ) for a variety of purposes, which may include activities over time and across third party locations. " The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
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| 04/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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XXXX XXXX account was closed in XXXX of XXXX. In XXXX of XXXX we received a statement for a balance due for equipment. We returned all equipment. XXXX months later a collection agency put the amount on credit reports. We showed the equipment was returned and the collection was removed in early XXXX by Credit Protection Association ( collection agency ).
In XX/XX/XXXX the collection from XXXX showed up on my credit again. This time reported as new, even though the original claim was from XXXX. I have tried to work with both Convergent and XXXX and neither are acknowledging that the debt was related to equipment, nor that this is being reported inaccurately. By re-reporting the same debt from XXXX in XXXX, they have damaged my credit score and ability to purchase a home.
I have now been told this was not for equipment but rather for services. If I had been told this was for services in XXXX I would have paid it. But I was told it was for equipment, validated equipment returned, and collection was removed. I have since paid the amount in full since XXXX provided a breakdown of the final balance due. However, by falsely telling me two years ago this was for equipment and agreeing I did not owe it, I am not being penalized by the resurfacing as a new collection.
Date is XX/XX/XXXX Reported on XX/XX/XXXX Originally reported on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Acct # XXXX Statement on XX/XX/XXXX references equipment. Removed in XXXX following conversation with collection agency.
Currently reported by : Convergent Outsourcing , Inc .
XXXX XXXX XXXX XXXX XXXX, WA XXXX
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| 01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I received a collection letter from XXXX XXXX approximately one year ago. I have never had an account with XXXX XXXX, and have never lived in their service area. Indeed, they sent the collection letter to XXXX, IA, which is an address they should have known is inconsistent with an account relationship. I immediately called to tell them I had no relationship with them. I called from my cell phone, but did not give them my cell phone number, nor did I give them authority to call that number. Several months letter, I received a call on my cell phone from a collection agency. I again told them it is not my account, I have never had an account with XXXX XXXX, and I have never lived in their service area. They refused to provide any information to indicate that I ever had a relationship with XXXX XXXX ( e.g., original contract, address of service, date of service, etc. ). They simply said they would put my number on their do not call list.
Today I pulled my credit reports because I am purchasing a new home, and there is an adverse item listed from Convergent Outsourcing collecting for XXXX XXXX that I have an account in collections. This is inaccurate. Both XXXX XXXX and Convergent Outsourcing are well aware that I have never had an account with XXXX XXXX, and that ( as the very credit report to which they made the fraudulent entry reveals ) I have never lived in a XXXX XXXX service area. This is merely a shake down because they skip traced my name to an address in Iowa, which they should know is inaccurate because my address history contains no addresses within the XXXX XXXX service area.
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| 03/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XXXX 2015 i request services from XXXX and since i, m XXXX to u.s.a they ask me to pay for all the equipment and insulation fees and inform me in the phone that i, m going to have a one year agreement with them, in XX/XX/2015 they raise the price {$8.00} when i ask why they say that the insurance in the devices is done and if i didn, t pay that amount every time i ask for maintenance i have to pay a lot of money and inform me that it, s mentioned in the agreement that i never revived and never signed, so i asked to stop the services, they inform that i have a 1 year agreement that i have to full fill or i, m going to pay the rest of the year that agreement that i never revived and never signed, when i finished the whole year and i wanted to stop the services the informed me that i have 2 years contract i told them no it was 1 year contract and ask them to send me the contract, they send me a none sighed contract marked X in the signature space i informed them that it, s not signed and mark X they told me that if choose to sign as X it, s my choice, i was not at home when they put the service, my wife and son revived the service and buy an extension cord from them for {$31.00} and sign the receipt how come they did not let my wife sign the contract at that time, i think a kind of fraud selling something in the phone and miss guide the customers and make an agreement differently than what the sale was about in the phone and never send a copy to the customers and took their signature and put X as a signature and ask them to full fill an a agreement and put them in collection for that.
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| 04/26/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I DISPUTE THIS DEBT!!!!!!!!!!!!!!!!!!!!!!!!!!
Hello, I will make this as plain as I can. I have lived in XXXX Florida XXXX XXXX XXXX account. I would have sent you a certified letter return receipt requested asking for proof of this debt, but as we both know your company has a track record of not responding to them. Convergent Outsourcing inc., never sent me a bill or any notification of this debt. I am a victim of Identity Theft. I found out about this debt last night and today I filed a Police Report with the XXXX XXXX XXXX case number XXXX. I could also type out all the codes you are violating under the FCRA and the FTC and CFPB rules for Debt Collectors, but why bother you know them as well as I do. I expect any and all derogatory action to stop while you respond to this complaint. I want to see any and all paperwork about this account ( Verification of the Debt ). I want the address of the location that used the power, I want the date it was opened how long it was opened who had the contract before this fraud account, and the bank account or the credit card information for any and all payments. If the payments were made at a check cashing location I want video of the person who made the payments. This is not a game so please understand you are committing Libel and defaming my name and credit report. I know company 's like yours like to tell people you will take them to court, but in this case, that's not needed because if this doesn't go away if I don't get a letter from you apologizing for reporting this fraud account in my name I will be more then happy to take you to court.
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| 06/23/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In XX/XX/XXXX, I closed my student checking account at a XXXX branch in XXXX NC. The person that I worked with was rude and informed me I didn't need to sign anything to close my account. In XX/XX/XXXX, I received a bill from a collection agency XXXX for an overdraft fee + transaction (that I didn't make) that supposedly happened in XX/XX/XXXX. It appeared as if my account had been reopened specifically to be charged. The reason behind my closing the account was due to monthly maintenance fees, yet they have no record of any maintenance fees prior to this supposed charge, if my account had in fact been opened my account would have been charged a maintenance fee for every month prior to this "transaction". It is my understanding that once an account is closed, a bank cannot re-open it without the account holders permission.
I submitted a dispute and validation request, the information provided seemed weak at best. They sent a response and XXXX statements, spanning three months, the account type is listed as an "Everyday Checking" on the final month, although it is listed as "student checking" on the prior XXXX months. With a starting balance of $0.00 for the XXXX month (which should have been negative if they were charging me a maintenance fee). After this response, XXXX never tried contacting me again.
Now I have received a new attempt to collect on this "account" from Convergent Outsourcing, Inc. It is not a large amount, but I do not owe these people any money.
Of note, when I made my original claim I was told to contact you directly by the Federal Trade Commission.
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| 10/25/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Convergent sent a notice of collection for debt with XXXX XXXX XXXX XXXX for over XXXX in which I have never done business with. I asked them for an original contract with my signature and they could not produce any documents. I asked them to provide any evidence showing amounts service etc. they did not provide. This company is illegally targeting and trying to collect debts not owed. I have also contacted the CFPB and an attorney to resolve this debt scam immediately. They are aggressive attempting to collect on the debt that is not mine in first place. I contacted Them as soon as I saw this collection on my credit report. They could NOT find any negative accounts in my name.. I still have my phone active and in current status with them I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house this is outrageous and should not be allowed. please help me stop these calls. I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!! Please cease and desist unverified collection account. And delete all false information immediately.
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| 12/02/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2019 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. I received a collection letter dated XX/XX/2019 from a collection agency by the name of Convergent Outsourcing , Inc .
This collection agency is charging me for a fraudulent debt that is not mine, and I have never owed.
The charges are fraudulent, and they are claiming that I owe a company by the name of XXXX XXXX , XXXX {$8000.00}.
They have also listed another company by the name of XXXX XXXX XXXX as the supposed Original Creditor.
I want to report this collection agency, as well as its cohorts for trying to defraud me. I have never done business with these companies and this debt is a scam.
This company is slandering my credit as well as my name, and I want any collection account, or any derogatory information that they have placed on my credit files removed immediately, and I want hard copy proof on their letter head that, that has been done, as well as I want written proof that this fraudulent collection account has been permanently removed from their companies files.
I also want Convergent Outsourcing, Inc., and it cohorts, to cease and desist from contacting me ever again with their fraudulent made up collection accounts.
I looked up this XXXX XXXX XXXX and it appears that they and Convergent are working together to go after consumers with claims for fraudulent debts that they are creating, and the consumers do not owe, they are trying to get consumers to pay them for fraudulent debts.
( Copy of collection letter has been uploaded for the CFPB to review )
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| 11/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Frequent or repeated calls
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Web |
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A billing error occurred with XXXX XXXX. They were supposed to credit my account and did not. My account was sent to " collections ''.
I received a mailed notice from Convergent Outsourcing stating that the notice was sent from a collection agency.
My home received 15 hangup phone calls with no message left. My wife returned the call, concerned that there was some sort of issue. The man who answered the number stated that they were trying to contact me regarding a debt, but were NOT a collection agency. Thus, he lied to my wife.
I spoke with a representative at Convergent Outsourcing who stated that their company policy is not to leave messages because they do not know if the number is correct. This is an admission that they call numbers they do not know to belong to the party involved. Further, they also stated that they are not a collecting a debt and that this is in " pre-collections ''. This is another lie as the letter I received states " This is an attempt to collect a debt ... ''.
Lastly, The letter is from Convergent Outsourcing with an address in XXXX, WA. However, the return address is from XXXX with an address at a XXXX XXXX XXXX XXXX, MI. A third party is being used to attempt to collect this debt, which I believe to be in violation of the FDCPA.
In the end, I spoke directly with XXXX XXXX and they apologies for not applying the credit appropriately and have rectified the issue. I am, however, livid with Convergent for spamming my house with calls ( with no message ), lying to my wife, lying to me, and using third parties to send notices and place calls.
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| 07/22/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I sent a certified investigation letter to Convergent Outsourcing on XX/XX/XXXX which was delivered on XXXX XXXX, XXXX asking for further information on this debt.
XX/XX/XXXX Convergent sent a response to my investigation letter which already violated my rights per the Fair Credit Act based on the allowed time ( 30 days ) a facility has to respond to my dispute letter from the time they received the letter. When receiving the validation of my debt they sent me a few months worth of statements and a letter stating this is valid debt for the balance of {$280.00}.
XX/XX/XXXX after digging dipper into this debt, I sent another certified letter to Convergent Outsourcing stating I contacted my current service provider which I transferred the phone number I had with XXXX over to them on XXXX XXXX, XXXX which means that line ( XXXX ) was no longer in service for the bill they provided for validation, and that my last payment was submitted on XXXX XXXX, XXXX. I then proceeded to demand a delete from my credit report due to lack of accurate information.
XX/XX/XXXX I receive a letter from XXXX stating XXXX XXXX , XXXX has placed your previously disputed account with XXXX. As of the date on this notice, an investigation of your dispute has been completed and the account has been place with their office for resolution. No valid proof of the debt was attache just a new balance of {$190.00}.
XX/XX/XXXX I receive a letter from Convergent Outsourcing stating they are no longer the owner of this debt and that they submitted to the credit reporting agency 's to delete the information.
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| 02/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/18, an item that had been previously paid before collections was finally removed from my credit report. This is a debt that I have been disputing for years now. Held by XXXX in the amount of {$220.00}. XXXX agreed to close my account under the condition that I return the phone that was being leased. This was to cover what was left on the phone to pay. Months later, I received a collection notice. I contacted XXXX, begged them to look into the phone conversations that took place to confirm that I was in fact told that I could leave XXXX XXXX and clear by sending them my phone and they said that in the fine print of the contract, it states I would have to pay off the phone and then keep it. They said there was nothing they could do now that they sent it to collections and the refused to send my phone back. This " debt '' has passed through XXXX XXXX now, and it has been removed twice. It's been reinserted for the second time. Not ONCE was I notified that an item was reinserted to my credit report. Not by the collection agencies and not by XXXX or any other bureau. I have been in the process of trying to repair my credit and keep hitting brick walls with this collection. I want it removed. This was settled years ago after I sent them their immaculately maintained phone. Further, I have lost most respect for these credit bureaus. They have responsibility over our entire lives by reporting debts correctly and more often than not I have found that they are inaccurate. I have NEVER once received notice that an item was reinserted on my report and this has happened before.
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| 04/19/2019 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
Servicemember |
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This is the third CFPB complaint I have had to file against this company, all for the same reason, I will not stop contacting me.
My first complaint was filed after I sent them a debt validation letter in response to their collection letter dated XX/XX/XXXX. They did not respond to that complaint at all. They later claimed they didn't receive it but I sent the letter certified mail and have the signed postcard.
The second complaint was filed because they continued to call me multiple times per day after they received my DV letter and after I filed the original CFPB complaint.
In response to these two complaints, they told the CFPB that they would send me validation documents. These were never sent.
I contacted XXXX XXXX by email ( XXXX ) on XX/XX/XXXX regarding their dishonesty in their response to the CFPB complaints and again requested that the debt be validated. She replied that same day saying they would check with the creditor and verify the balance amount. I responded saying that that was not what I asked for and that I expect them to verify the debt as they are required to do so and as they told the CFPB they would. I also pasted the text of the DV letter I sent them on XX/XX/XXXX. I received no further response and never received any documents from them. I followed up on XX/XX/XXXX by email and did not receive a response then either.
Today I received another collection letter in the mail from them regarding the same supposed debt. This violates the FDCPA because they have continued contacting me without first supplying me with verification of the debt.
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| 03/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX XXXX claimed a debt was owed to them - in XX/XX/XXXX this account was filed as identity theft and removed from my record. Convergent Outsourcing, a debt collector, is reporting this account on my credit report. I have informed them this account does not belong to me. I have informed them this account was the result of identity theft. They refuse to remove the account from my credit reports. They are still attempting to collect on this fraudulent account.
I requested validation of their claim on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They replied with statements of an account which is not mine. They failed to show any proof that the debt belongs to me. I requested any documentation showing my signature on the account - they provided a falsified contract with no signature from me, only a blank area where a signature should be.
I informed them they are not only illegally attempting to collect on a fraudulent account but also reporting illegally to the bureaus under their own name as opposed to the name of the original creditor in violation of Mass General Laws : o940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization I have informed Convergent of these issues three times via certified mail. They have failed to comply with federal or state debt collection regulations.
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| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Back in 2017 I used XXXX as my phone company and had to change to XXXX because my XXXX account was continuously being billed more than what my original set up options were. After speaking with the local XXXX worker about my bill continuously being overcharged he would work on the issue and tell me this happens often, we will get it fixed. Well for 5 months i was charged more than my bill and I went in again to the same XXXX store to speak with the same XXXX associate, he was gone. At this point i was fed up with the account and said it was time to move to another carrier. After speaking with the XXXX account representative and explaining the situation she was nice and told me no issue, we will close out the account. She helped me do that no issue. I had overpaid my bill for 5 months prior to closing the account, I had no outstanding balance. I was done with XXXX. Then a few months go by and i get a letter from XXXX saying i owe them {$420.00}. This bill came out of no where and when i took it down to the XXXX store to get clarification the representative couldnt help me because my account was closed! I called and tried to handle the situation explaining the circumstance and got no answers. Now the debt has been sold off two times and after trying many times to resolve this, this is my last option.. I am a good person who has no intent to not pay my bills. Iv established great banking relationships and plan to have a bright future. This debt thats not understood by people who are trying to collect it is effecting me. I hope to have it taken care of. Thanks
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| 05/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I first received a text message on XX/XX/2020 from a phone number of XXXX, asking me to Contact Convergent Outsourcing Inc at XXXX regarding my XXXX XXXX Account. The message also stated it was a n attempt to collect a debt. I contacted XXXX, immediately afterwards and was told I do not owe them any money.
Someone named XXXX XXXX called me a few days later stating she was with Convergent Outsourcing, and t he purpose of her call is an attempt to collect a debt, and asked me to verify the last four of my phone number. I relied to the caller, I will not, and that the call is a scam, and ended the call.
I called XXXX again, and was told I do not owe them a balance.
I received a letter in the mail dated XX/XX/2020, stating I owe a balance of of {$63.00}. The letter had the address of the collection agency as XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX XXXX XXXX, XXXX, WA XXXX I contacted XXXX on XX/XX/2020, and eventually spoke with a supervisor. He attempted to contact the collection agency by phone at XXXX and while we were all on a three way call, the same person who contacted me stating their name was XXXX XXXX was on the line, and stated she was not able to access an account for me, with the account number, reference number, or phone number provided, then she stated, she could not access the account because she is having computer issues. We ended the call. On Monday XX/XX/XXXX, I requested a credit freeze on all three credit reporting agencies. Something is wrong here, and it needs to be resolved. I have my account statements that show I do not owe a balance.
|
| 11/04/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The creditor listed as Convergent Outsourcing , Inc. has listed an account as a new collections account, causing a derogatory mark on my credit report. This debt has already reached the statute of limitations in NY and has been removed from my credit report previously. This is an old debt that is being reported as a new debt.
This debt collection agency knew that this was on old debt and did not disclose to me any of the following information : Tell me, that the statute of limitations may have expired ; Tell me, that it is a violation of the federal FDCPA ( Fair Debt Collections Practices Act ) to sue to collect a debt for which the statute of limitations has expired Tell me, that you do not have to admit to owing the debt, promise to pay the debt, or give up your rights regarding the statute of limitations Tell me that, if you do admit to owing the debt or promise to pay the debt, then the statute of limitations my restart so that the debt collector can sue you on that debt.
Also, it reported that this debt was opened on XX/XX/2019 ... I have not received any letters ( bills ) or contacted in regards to this account being opened. I also did not recived any past due letter for not paying for 60 days, 90 days or 120 days. it was just reported to my credit report on XX/XX/2019.
I was contacted over year ago by the company. The representative was extremely rude and kept threatening to place this on my credit report, even though I told him it had already past the limitations and could not be reported. He was nasty and told me watch them report it and hung up.
|
| 10/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX, I received a Collections Notice from Convergent Outsourcing dated XX/XX/XXXX, to pay {$210.00} within 30 days or be reported as delinquent to the credit bureaus ( copy attached ). This was the result of my complaint about XXXX 's billing practices that I had filed with the FCC on XX/XX/XXXX.
On XX/XX/XXXX, I called Convergent Outsourcing and told the account representative XXXX that I had been in the process of disputing XXXX 's actions with the FCC. She told me she would put the Collections Notice " In Dispute ''. This will give me extra time to settle this matter I had complained about the fact that XXXX had suddenly stopped billing me in XX/XX/XXXX.
From XX/XX/XXXXuntil XX/XX/XXXX, I had received bills by mail. After that, I received a monthly SMS text bill through XX/XX/XXXX. As of XX/XX/XXXX, I did not receive any bills. In XX/XX/XXXX, I called XXXX and talked to XXXX, who told me that I would be billed by email.
My inbox remained empty. On XX/XX/XXXX, I paid XXXX {$69.00}. On XX/XX/XXXX, I started getting loud, abusive robocalls from XXXX dunning me for money. They were also hijacking my voicemails, then they cancelled my phone service.
After the FCC served XXXX with my complaint, Mr. XXXX emailed me and asked to talk to me. I made a Call Report, attached.
I have documented the communications between XXXX and myself in the attachments file.
1 ) Collections Notice 2 ) Call Report XX/XX/XXXX 3 ) XXXX letter 4 ) My rebuttal, 1st letter 5 ) Call Report XX/XX/XXXX 6 ) XXXX letter, p. 1 7 ) XXXX letter, p2 8 ) My rebuttal, 2nd letter
|
| 10/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I checked my credit report in XXXX, XXXX, and found a collection account ( account number is XXXX ) that I was unaware of, as no notice had ever been sent. When I contacted the company, I asked on XXXX separate occasions for documentation supporting the amount they claimed was owed. ( I did not dispute the validity of the debt, just the amount. ) Both times I received a billing statement from the original creditor, XXXX, but never any itemized information, nor the original credit application. Finally, I agreed to pay the amount in full, if they would remove the item from my credit reports. They agreed, and in XXXX, XXXX, I paid the account balance in full and was told that the item would be removed from my credit report within XXXX business days. It is now almost XXXX, the collection account is still showing with all three credit reporting agencies, and I have disputed it multiple times with each agency, and it is still being reported as accurate. Recently, I wrote to each agency demanding documentation supporting this being on my file, pursuant to section 609 [ 15 U.S.C 1681g ], and it was treated by each as a dispute, with the documentation never provided. ( These are separate complaints. ) I feel the company has both a legal and ethical obligation to remove this account from my files with all three credit reporting agencies. Their failure to do so will leave me no choice but to include them in future complaints to my State 's Attorney General concerning this, and other matters with the credit reporting agencies, should the CFPB fail to enforce the FCRA.
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| 09/02/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I 've been trying to dispute this alleged collection debt of {$720.00} that XXXX XXXX ( CV ) claims I owe. I sent CV my first certified letter dated XX/XX/XXXX, which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay them. If no such documents exist, all collection debts from XXXX XXXX should be ceased and removed from all my credit reports.
CV replied with a letter dated XX/XX/XXXX, stating that they completed their investigation and found the debt " valid. '' Their verification included a letter from XXXX XXXX XXXX, which appears that CV contacted XXXX XXXX XXXX under " my name and current mailing address. '' That letter included an itemized bill, but no sight of any signature agreeing that I pay XXXX XXXX. CV 's evidence is invalid.
I sent a second certified letter dated XX/XX/XXXX, which CV received on XX/XX/XXXX. I included in the letter that they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from XXXX XXXX since, which further proves that this debt does not belong to me. However, they are still falsely reporting the debt on my credit reports
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| 08/16/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Over a month ago I reached out to Convergent Outsourcing about a debt they claimed to be mine. I explained to them this was not my debt and disputed the debt as well as requested evidence that this debt was mine. When I asked for the evidence they had to prove this debt was mine they said they needed to reach out to XXXX. They had not already verified this debt which in the state of NJ is illegal. Regardless, I requested documentation and proof that this debt was mine. This was on XX/XX/XXXX and I was advised by Convergent Outsourcing to call back XX/XX/XXXX. They disputed the debt and I waited for my documentation. I waited till XX/XX/XXXX to call back as I had not received any documentation providing evidence of the debt. When I called I informed the collection debt agency that legally they had 30 days to prove this debt which they were unable to do so. In this event I instructed them to report to the credit bureau that this is not my debt, to rectify this on my credit report and to remove the debt from my name. Convergent Outsourcing explained that XXXX has not reached out to them about the claim and that they would document my call. When I requested for them to remove this debt and contact the credit bureau they said " You can call the credit bureau if you'd like, this debt will not be removed today until XXXX contacts us back ''. Which I responded " tough luck, legally you had 30 days and it is not my fault XXXX has not reached out to you ''. They did not remove the debt and have still failed to provide evidence or documentation that this is my debt.
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| 07/13/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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AFTER CHECKING MY CREDIT REPORTS I DISCOEVERED THAT XXXX HAD REPORTED DEBTS OF SERVICE IN ANOTHER STATE WHERE I PREVIOUSLY LIVED. I CONTACTED THE SERVICE PROVIDER AND THEY INDICATED THAT THEY WERE COLLECTING A DEBT FROM FIVE YEARS AGO. DURING THE DISCUSSION THE XXXX REPRESENTATIVE STATED THAT THE COMPANY HAD NO OBLIGATION TO PROVIDE ME A FINAL BILL OR ANY INDICATION OF THE EXISTENCE OF THE DEBT PRIOR TO THE COLLECTION. THE COMPANY WAS INFORMED THAT SINCE XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT AND REQUIRED SUCH INFORMATION TO BE PROVIDED IN TIMELY MANNER TO AVOID THESES SITUATIONS. THE REPRESENTATIVE STATED IT WAS A " COURTESY '' FOR EVERSOURE TO PROVIDE NOTICES OF ALLEGED DEBTS AND WAS NOT OBLIGATED.
EVERSOURCE VIOLATED FAIR CREDIT LAW INCLUDING THE FOLLOWING : Debt collector communications concerning identity theft. If a person acting as a debt collector ( as that term is defined in title VIII ) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be the result of identity theft, that person shall ( 1 ) notify the third party that the information may be fraudulent or may be the result of identity theft ; and ( 2 ) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person.
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| 06/16/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$610.00}.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
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| 08/03/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I monitor my credit via XXXX XXXX. I found out about an account that was opened in my name XX/XX/XXXX when it appeared on my credit reports as a collection in the amount of {$340.00}. Original creditor was XXXX XXXX, cable/internet/phone provider for the XXXX XXXX valley. I do not have cable. I do not have a landline. I have used a smaller internet company for the past 10 years. I did not open an account with XXXX XXXX. This company refuses to give me any proofs/documentation or anything else proving I did and I have disputed the collection 3 times with the credit bureaus, to no avail. Reaching out to XXXX directly XX/XX/XXXX unable to receive help by phone so I used their chat service and emailed the transcript to myself, which Im including in this complaint. 3 different agents promised to help me in my efforts to remove the fraudulent account but only transferred me around to different departments, ending in sales to upgrade service that I dont have. Wanting a supervisor, XXXX XXXX in sales flashed a XXXX number then promptly removed it then ended the communication abruptly. This is not my debt. I am the victim of fraud and it is wrong to put the burden of proof on the victim. Additionally, I have suffered other recent fraud/theft ( including burglary ). When I went to my local police station they would only file a report on the burglary. I was told to contact the FBI for any and all fraud. This fraudulent account with XXXX XXXX has devestated my credit scores as it is listed as High Impact. Today I was denied a home loan ( my first ) because of it.
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| 03/12/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent out a validation letter on XX/XX/XXXX Convergent received the letter XX/XX/XXXX. I have been trying to validate this debt with Convergent Collection Company asking to Validate this XXXX debt account # XXXX they claim is mine. In my Affidavit to Convergent I asked to send me a wet Ink copy of a sign agreement naming XXXX XXXX as the owner of this debt. I also asked Convergent Collection to send me a copy of the Bill of Sale to show they have the right to collect this debt naming XXXX XXXX which gives Convergent the right to collect this Debt.
I also stated in my Affidavit that if Convergent has first hand knowledge of this debt they should be able to product these documents. Convergent sent be a copy of a bill with a letter. The FTC states a copy of a bill does not validate a debt. IIn Addition if you do not have a bill of sale naming the person owning this debt you have No Right collecting on this debt. There are some inaccuracies and Red Flag with this debt. Convergent admit some inaccuracies in their letter, but continues to report this debt and damage our abilities to secure a loan. Convergent in their letter stated " their company has not sufficient time to complete an investigation into the inaccuracy and a corrected copy ''. Under the FDCPA they have 30 days to verify this debt again there are some serious red flags with this debt. In closing they have not proved the debt is mine, they have not completed the dispute process in the 30 days. They have admitted to inaccuracies, but continues to report this debt as accurate. Please help!!
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| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On around unkown dates, Convergent Outsourcing Inc, XXXX XXXX XXXX, XXXX XXXX XXXX, and credit management, placed a collection claim on my credit, for an alleged cell phone bill. I have received NO communication or proof of this bill prior to or since the credit inquiry from my credit report. I have received NO documents validating this owed amount. I have NOT received any validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and I am requesting the file to be immediately closed as it has no basis to be on my credit report. I do not currently have nor, have I ever had any business dealings with Convergent Outsourcing Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and have not given them nor anyone affiliated with them authorization to view or obtain a copy of my Credit Report. I am requesting that my Name, Phone number, Email and any other personal information be removed from the Convergent Outsourcing, XXXX XXXX, XXXX XXXX and XXXX credit database and prohibit them from selling this debt off to yet, another collection agency. I have been advised by XXXX that my SS number as well as my phone number have been compromised. I have been advised to alert the SS department, alert the credit reporting agencies and place a freeze on my credit as well as file a police report. I've done all of these things. I will be seeking legal guidance and or pursuing legal action against, Convergent Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX for the illegal purchase/sale/use of this unverified/invalidated collection account.
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| 08/20/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was shocked when I reviewed my credit report an unknown collections from XXXX on my credit report. I am not sure how this happened, I believe this is inaccurate information on my credit report. And I haven't receive any information to dispute this allege debt.
However, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 09/24/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2021 I find out that a bill that I'm sure was paid was sent as unpaid and hit my credit. Naturally I called and asked for a pay to delete. The agent on the phone assured me XXXX times that this would be completely removed without a trace. I asked three times just to make sure. She said " yes, as soon as you pay this will be removed completely from your credit. '' So I made the payment. Then she stated that she is sending me two emails one for proof of payment and the other for deletion. They never came. So I called back and I get a different agent. She said " you have to call the reporting agency to get the deletion papers. '' Well I called XXXX XXXX and they said " if you pay us ANOTHER {$200.00} we will delete '' so I paid again after I asked why I had to was told " you pay to delete ''.
I hang up with XXXX and call Convergent and they tell me " The agent you spoke with was misinformed so we will not be deleting but will mark it as paid. '' Now that was NOT the agree. I also recorded the call to make sure that was not the agreement. The lady said clearly that " it will be removed from my credit reports. '' Now I can prove this but they are not honoring what their agent stated. Her misinformation does not take away for what she stated considering she works for them and they trained her. I am not out over {$400.00} for a debt that was only {$200.00} and I will be filling papers in small claims if this is not resolved. I did NOT pay on a debt that was paid years ago for a " paid status. '' Follow the agreement of deletion as promised!
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| 12/16/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a call from Convergent in late XX/XX/XXXX stating that i owed debt to XXXX. I explained to the representative that i did have debt with XXXX, but i settled with them and paid back in XX/XX/XXXX. So then a couple of weeks later in XX/XX/XXXX i received a letter in the mail saying that they verified the information with the original creditor and that i owed {$490.00}. I immediately gave them a call and was told by the rep that i had an account with XXXX back in XX/XX/XXXX of XX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX and that i owed them. I explained to her that was impossible because during those years i was under my mother 's plan and when i had XXXX was in XX/XX/XXXX, which i settled and paid my debt in XX/XX/XXXX. Not to mention i have proof on my credit report that i settled my balance with XXXX back in XX/XX/XXXX and the dates that they claim i was with XXXX was never on my credit report. The rep then spoke with supervisor and came back on the phone saying they can settle with me for {$200.00}. I told her that i wasn't paying anything because i didn't owe any money. So then i spoke to the supervisor and he basically repeated the same thing that the rep said and couldn't explain to me why that if i had debt since XX/XX/XXXX then why did i never see it on my credit report. I'm reporting Convergent because i feel that they are trying to scam people out of money that they don't even owe. Once i did my research i saw plenty of reviews like mine where people said that they didn't even owe debt. This is ridiculous and they need to be stopped.
|
| 05/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Recently I received correspondence from a collection agency ( Convergent Outsourcing ) regarding an alleged {$360.00} debt owed to XXXX. This is not a valid debt.
On MXX/XX/XXXX, XXXX mistakenly initiated an electronic financial transaction debiting my account at XXXX XXXX in the amount of {$18000.00}. My account was locked down as a result, and I was unable to pay my other bills. Despite the fact that I repeatedly contacted XXXX regarding their mistake immediately after the XX/XX/XXXX debit, XXXX again attempted to initiate an electronic debit from my account in the amount of {$18000.00} on XX/XX/XXXX.
As I had after the first improper debit, following the second transaction I called, texted, and visited XXXX local office in person. Because of these improper actions by XXXX, I was forced to cancel my direct deposit into my bank account, to purchase money orders to pay some of my other bills, and I had to spend a great deal of time and energy resolving other issues related to the improper debits. Shortly thereafter, I cancelled my cable service through XXXX. After speaking with the several individuals, including the manager, I was assured that my account with XXXX held a XXXX balance and that I owed no money to XXXX. On XX/XX/XXXX while visiting the local XXXX office to verify that I owed no money to XXXX, I reviewed my account status with XXXX representatives and was again assured that my account held a XXXX balance.
Then this spring, I received a notice from Convergent Outsourcing seeking to collect {$360.00}. This is not a valid debt.
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| 04/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Convergent Outsourcing 2. Validate Account XXXX XXXX XXXX 3. Validate Account XXXX XXXX XXXX 4.Validate Account XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Thank you for your time and help in this matter.
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| 07/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I am writing in regards to the following information that appears on my consumer report : Account Number or other information to identify account : Account Name : XXXX XXXX Account # XXXX Date Opened XX/XX/2018 Balance {$650.00} CONTACT INFORMATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Explanation of item being disputed : I entered into the cellular service agreement in XX/XX/2018, I was advised to not incur new debt, and returned the device XX/XX/2018.
The XXXX Service Agreement indicates the following policy : I acknowledge that I was provided an opportunity to review my completed Installment Loan Agreement ( ILA ), including 24 monthly payments and my right to cancel within 14 days.
I returned the device within the 14 day window ( 7 days from purchase ), and therefore ended the service contract. See attached 1 ) service agreement indicating the policy above, 2 ) bank statement indicating my credit from XXXX XXXX, 3 ) and return receipt from XXXX XXXX. I do not owe the amount and would like the entry removed from my credit reports and no further collection action to occur by XXXX or Convergent Outsourcing. When I contacted XXXX, they've written it off to Convergent Outsourcing ; I have provided them the same information and disputed this with XXXX and XXXX. I am attempting to rebuild my credit after a bankruptcy, but when I called I was just told " this isn't in my bankruptcy. '' I made it clear I was not saying it was. The phone was returned within the return period outlined on the contract. The have continued collection efforts.
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| 08/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In approximately XXXX of 2018, I was made aware of a collection account on my credit report. I was obtaining financing for a motor vehicle. The collection account was from XXXX XXXX XXXX for XXXX XXXX. The collection amount was {$1300.00}. I let the collection agency know that I did not have service with XXXX XXXX during the alleged time frame. In fact, I was not even living in an area that offers service from XXXX XXXX. I was living in XXXX XXXX, Arizona, and was taking care of my mother in law, who was terminally ill. I received a packet from XXXX XXXX about the possible ID theft. I have a few issues here : First, I have no idea where the alleged service took place. Therefore it is impossible to file a police report, as one of the first questions asked is : Where did the id theft take place?. The police will only file a report after verifying jurisdiction. Second, this debt is over 6 years old. Therefore in the State of Arizona, it is beyond the statute of limitations. XXXX XXXX is attempting to collect on a debt that is outside of the statute of limitations. I will also forward this complaint to the Attorney XXXX XXXX in the XXXX of Arizona. Third, I have never heard anything about any XXXX XXXX account until it showed on my credit report over 6 years after the fact. Fourth, I did have an issue with a family member using my information years ago. I guess that could be possible, however that family member died in XXXX of this year ( 2018 ). I ask that XXXX XXXX and XXXX XXXX remove this collection account immediately from my credit report.
|
| 09/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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MY dispute was delivered on XX/XX/XXXX to Convergent outsourcing simply asking them to provide the following information y. I requested verification of the alleged debt. Specifically, I requested the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and an itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. ( 4 ) Proof that this is an account as defined in Title 15 1693 A ( 2 ) the term account means a demand deposit, savings deposit, or other asset accounts. You are illegally attempting to collect the alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification.
I have not received a response yet Convergent outsourcing has failed to respond to my verification request. I want this alleged account deleted from all consumer report agencies immediately.
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| 03/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I am appalled of the fraudulent practices of Convergent Outsourcing , Inc . They are deceptively attempting to bill me for a bill that was paid. Even with evidence of such, they have overlooked and disregarded the facts and still attempting to collect.
1. As evidenced in attachment A, Convergent is attempting to collect a debt for XXXX XXXX. I have no account balances with XXXX XXXX.
2. As evidenced in attachment B, I switched to another provider from XXXX XXXX. After I terminated their services, was told that any additional fees would be waived due to my poor experiences with them, and all equipment was returned, I receive this XXXX XXXX. Even though I disagreed with the subsequent billing, I felt it was nominal in comparison to just getting rid of XXXX XXXX. This amount was paid to XXXX and I have proof/confirmation that the bill was paid.
3. As evidenced in attachment C., even XXXX has documented my account is paid in full and have record of the XXXX being paid.
Convergent, even after my filing an appeal and receiving evidence that the bill/account was paid in full directly to XXXX XXXX , continues to contact me and denied my claim stating the debt is valid ( attachment D ). Their bullying tactics and attempts to gouge me, and damage my stellar credit, is disturbing. If I was less intelligent and unaware of my rights, I would just pay the money twice. This is Convergents hope - that I will just pay the money TWICE and I have no doubts, if they are investigated, I am not the only one theyve attempted to bully into paying double.
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| 12/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
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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
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| 01/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I was looking on my credit Report and I seen a company named Convergent Outsourcing which I never open a account with them nor did I give anyone permission to open this account in my name I first sent numerous letter and never got a respond back. I then called the company direct to find out why they are reporting on my credit report they said that they are reporting on the behalf of XXXX and that they had the wrong address and contact info for me and they mailed a fraud packet to the wrong address I then updated all my contact info and address with them. I received the fraud packet filled it out and sent it back to them over a month went by and they was still reporting on my credit report I then call them back and ask to speak to a manager I then talked to a gentlemen named XXXX or XXXX which he told me the hold up was with XXXX. so I then called XXXX directly and they blame Convergent outsourcing they then sent me to a website XXXX i went to the website and fill it out still nothing i then call back and ask to speak to the same manger and he told me they i was missing the police report and once i send that they would remove it I then sent them the police report and now they are saying the address is connected to a family member the address they have I never lived at I am so frustrated with this whole situation I was in the process to buy a house and this is hindering me I feel like I am getting the short end of the stick why should I pay a higher interest rate for something I did not do I would like this removed from my report.
|
| 07/02/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My bill for internet service had been steadily increasing with XXXX annually. It reached a point where what started as a {$40.00} service was now being billed at $ XXXX. I had called XXXX and spoken to an agent to see if they had a better deal OR if they cancel my service so I can signup with XXXX.
I spoke to an agent on XX/XX/2019. The end of my billing cycle is XX/XX/XXXX. I had asked that she put in a request to submit my request for the end of the billing cycle. She then clarified that if I picked a date before the billing cycle, that they would pro-rate the amount for the days the service was provided. Consequently, I moved the cancelation date to XX/XX/XXXX and signed up for a new service for XX/XX/XXXX. She re-confirmed that they would pro-rate me back the amount for remaining XXXX.
PS - I have this in a recording that I would be happy to share as proof of agreement.
The bill didnot reflect our conversation. After speaking with customer service numerous times, they said that their agent was mistaken and that I would still have to pay for the service even though it was cancelled by XX/XX/XXXX. They only thing remedy they offered me was that they would train their agent. This wasn't an acceptable course of action as it was an error on XXXX 's part. They refused to rectify it and threatened to send me to collections.
When they sent me to collections - I requested to dispute it but I didn't get an information from them to be able to do so. I know see that it is unfairly on my credit report and I would like to rectify it.
|
| 08/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
XXXX XXXX : Account Number : XXXX Creditor : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
|
| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid 4 Medical Collections on my credit on XX/XX/2019 to Convergent Healthcare Recoveries , Inc via phone with 2 different debit cards that is from my 2 Credit Union Accounts. They informed me they was going to report my payments to the bureau. When I pull my credit report through XXXX XXXX I noticed that they was on my credit report, in which they wasn't on their before. I paid the collections as soon as I got the letter so they would not hit my credit report. But as soon as I paid them, they reported me to the credit bureaus as if I never paid. I called them back to discuss why was it showing on my credit report 30 days later and why haven't they sent me a receipt and the collection representative told me they don't send receipts, I will have proof that its paid when I check my bank statement and its not on my credit report. I see the 2 Charges taken from each account for the 4 collections, but they still reported me and 30 days later my credit report is not only inaccurate, but that too my money and is telling me it will take up to 120 business days. Whats worst is the collection reps acts secretive as no one likes to give their names at Convergent Healthcare. They only become rude and hangup on me. I feel like I was not only robbed but they are reporting bogus information on my credit report.
Collection 1 - {$66.00} ( Paid With XXXX XXXX XXXX ) Collection 2 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 3 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 4 - {$250.00} ( Paid With XXXX XXXX XXXX Account )
|
| 01/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Violation of Fair Credit Reporting Act 623 ( a ) Responsibilities of furnishers of information to consumer reporting agencies/ ( a ) Duty of Furnishers of information to Provide Accurate information ( 1 ) Prohibition ( A ) Data furnishers are prohibited from reporting information with actual knowledge of errors ... ...
After checking my credit reports, I noticed a collection from XXXX XXXX.
1. On XX/XX/XXXX, I sent XXXX XXXX two Debt validation letters ( attached ), certified mail ( return receipt attached ), pursuant to FDCPA 809 stating that i dispute their claims in their entirety.
2. On XX/XX/XXXX, I received a letter from Convergent ( attached ) stating the debt and account were verified and they attached a bill from XXXX that had another person 's name on it.
3. Therefore, on or about XX/XX/XXXX, I sent another letter ( attached ) to Convergent with my Drivers license, certified mail ( return receipt attached ) stating that the name on the bill was not mine and they were in violation of FCRA 623 ( a ).
4. On XX/XX/XXXX, I received another letter ( attached ) from XXXX XXXX. This time they sent a longer bill but the bill still had another person 's name on it.
5. I disputed the information with XXXX, XXXX, and XXXX ( certified mail ) and XXXX and XXXX came back that the information was accurate and verified ( credit reports attached ).
Convergent is knowingly and by their own admission reporting false and inaccurate information to the credit reporting bureaus. The name on the bill is not my name.
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a formal complaint against Convergent Outsourcing located in XXXX, WA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Convergent Outsourcing has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 08/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
Contacted by Convergent Outsourcing , Inc., XXXX XXXX. XXXX about an old XXXX account that has problems that I've been trying to get resolved without success. They have added this onto by credit report as though its a new delinquent account in the amount of $ 900+. I've told them that I dont owe them this amount, and they refuse to listen to me. I just found out that when I issued a move service request from XXXX XXXX XXXX address to another in the same complex, they charged me an early cancellation fee without telling me that was going to happen. Before they would accept my move request I had to pay the existing months bill, which I did and I moved thinking my service was being transferred. I later moved to XXXX XXXX for cheaper rent, and asked them to transfer my service to my new address but was Not told they were cancelling my service, and opening a new account. This caused another early cancellation fee, which was never explained to me. When I moved from XXXX XXXX, I requested a total disconnect of by service, and only owed one month at that time. They sent me a bill for $ 600+, and I told them that I returned all of their equipment and provided them with a receipt. The next communication was for {$900.00}, they say because I failed to disconnect the service, which isn't true. I'm a senior on a fixed income and can't afford to pay them $ 900+. I'm so frustrated trying to rebuild my credit, while they report this unresolved debt on my report as thought it's a new item. Please, I need help resolving this issue.
|
| 04/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I moved into my current home six years ago. Almost immediately I began receiving telephone calls attempting to collect a debt from XXXX XXXX. I explained to the caller that they had a wrong number. There was no XXXX XXXX at this phone number or address. These calls have continued for the the entire six years I have lived at this address. Explaining to the caller that they have the wrong number succeeds only in discontinuing the calls for a few weeks. Collectors refuse to tell me for whom they are collecting the debt or what the debt is for -- since I am not myself XXXX XXXX. However, without this information I can not write to the original debt collector and ask that the collection attempts cease. Since the calls never cease, callers clearly do not honor my request that they inform the original debt collector that they have the wrong phone number.
Convergent Resources is only one of the groups who have continued these harassing calls, both under their current name, and as XXXX. I finally purchased a phone with call blocking -- for one reason and one reason only -- to block calls from Convergent Resources. I periodically check the call logs, and find that Convergent Resources continues to call ( and be blocked ) usually several times a week. This has continued for at least six months. I have a certain satisfaction at least in knowing that Convergent Resources is wasting their time continuing to make these calls, and that I no longer have to waste my time telling these incompetents that they have the wrong number.
|
| 08/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I have received a 100 point reduction in my credit score from XXXX. When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX convergent outsousing.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to convergent. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling convergent again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with XXXX and explained that I never received an itemized bill from either XXXX or Convergent. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough.
I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this.
XXXX XXXX
|
| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Convergent Outsourcing , Inc .
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX : XXXX CC : I have been billed by XXXX for all of XXXX when I terminated my service with them in XXXX. All my efforts to contact them have failed in that : Their account system says I do not have an account.
Their chatbot says I dont have an account.
Look at my address. The XXXX store here was looted and closed, in recent riots I looked at social media. These problems are constant. I tried calling their sales line and was on hold for 30 minutes before I gave up.
They have not responded to written requests for information / resolution.
Here are my payments from XX/XX/XXXX on : Payment Type To DeliveryOn Status ConfirmationNumber Payments XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX Check # XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX Check # XXXX XXXX XXXX XX/XX/XXXX Processed QXWJH-TQDKG XXXX Total paid from XX/XX/XXXX on : XXXX As is clear, I was current in XXXX, and have paid {$570.00} from XXXX on, the month in which I terminated service with XXXX. I have tried since XXXX of this year to understand what I am being billed for, but as already mentioned, including in writing, I have no idea what it is Im being billed for. Apparently, my service has been discontinued, which has been true since XXXX of XXXX. I most certainly welcome that, Id just appreciate not being hounded for payment for services that have not been rendered.
|
| 03/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XXXX XXXX placed a derogatory collection account on my XXXX and XXXX credit reports on XX/XX/XXXX and XX/XX/XXXX. The collection agency has not provided me with written dunning notification of this alleged debt within the 5 day timeframe mandated by FDCPA section 809 ( b ). Without prior notification I was not given the opportunity to have the debt verified nor validated as belonging to me. As a result of the reporting, my credit scores with both bureaus suffered a 20 point drop at a time when I was in the process of completing applications for new credit. I subsequently filed a dispute online directly with XXXX on XX/XX/XXXX citing No knowledge of this account.
The account is listed as follows on XXXX : XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Original Balance XXXX XXXX Monthly Payment - Past Due Amount {$650.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX collections
|
| 10/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I had gotten XXXX XXXX satellite services on XXXX XXXX, XXXX, after being installed I had lots of problems receiving signal ; I called them to cancel my services on XXXX XXXX, XXXX. I cancelled because within a 3 month time period, I had to call them in reference to lost signal/no service, a total of XXXX or 7 times. Whenever I called a representative would walk me through detailed steps to correct the problem in which this did not work. I would be asked to check the satellite to be sure nothing was blocking it or nothing was on it, which I did go outside and check it out ... ... it was all okay. Around the middle part of XXXX XXXX, a technician came by to fix the problem, it worked only for awhile. The last week of XXXX XXXX, a technician came to the house to fix the problem, which it worked only for a little over a week ; so I called back and was told that a technician would have to come out and fix it, but it would be 3 days before one could get by here. I was tired of calling XXXX XXXX every month about no signal/lost service, so I requested them to cancel out my services and not charge me for services I was unable to use and let me out of the 2 year contract agreement. I was informed that it is required for a technician to come out at least 4 times before letting me out of the agreement. After doing some very serious thinking and talking with neighbors who also had gotten XXXX XXXX and they did not have any problems with their services working correctly ; I called to cancel because this was not right at all.
|
| 01/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX, XXXX could not provide the services that they sold to me due to the coverage issues they were having and their need to add more cell tower coverage in my area. I had expressed many concerns with XXXX and rather than doing the responsible thing, they chose to make me wait out my contract. As painful as that was when canceling, I had already paid for services in advance to XXXX so the last bills should have been covered. XXXX sent an erroneous balance of {$410.00} to Convergent to collect on. They had already collected monies that covered any final bills and this was challenged by me and subsequently removed from my credit report. Now in XX/XX/XXXX and without any notification, I see that it was again added to my credit file and there was no communication informing me of this. This is a complete misuse of power and needs to be removed as it is effecting my credit report. I do not have any history of collections EVER with any other company. XXXX and Convergent are in the wrong and it is effecting me personally. I am hoping for assistance or I may need to contact my attorney. At this point, its about doing what is right. I genuinely believe that XXXX is just a big company that isn't getting the right people assigned to this and that this file is being bounced around with the representatives that work at Convergent. All I am asking is that this be removed off of my credit report as it has already been challenged and removed previously. This is double jeopardy and a big company game that needs to stop.
|
| 12/06/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
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.
|
| 07/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was notified of this supposed debt by the collector. I contacted my cell phone service provider, XXXX, to inquire about its origin. They initially told me the debt had already been sold, so they no longer had access to my account. I asked to speak with a supervisor and was put on hold until the toll-free number hung up on me. So I called back. The next customer service rep accessed my account, and told me that when my girlfriend and I combined accounts, my account was canceled, and the remaining balance on the phone I had purchased had not been transferred over to the new family plan, as they call them. I called the collector back. The collector representative said the balance due was from XXXX services that had been billed to me incorrectly after the combination of accounts. I called XXXX back to verify. The XXXX representative I talked to said that I had only been billed one month 's service in error, and that half of the balance in collections was my final bill generated after combining accounts with my gilfriend. I was told they would submit a claim on my behalf, correct the balance, and then I could work with the collector to pay off the remaining balance due. One month later, I receive a letter from the collector that says they discussed the matter with XXXX, and XXXX had rejected my claim. That same week, the agency reported this debt to the credit bureaus. I am convinced that this is all due to a clerical error on XXXX 's part, that I do not owe anything, and that it should be removed from my report.
|
| 08/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received a letter from convergent XXXX to collect a debt from XXXX for XXXX USD. I contacted XXXX as soon as I received their invoice and told them that this was an error. I spent a total of 1hr 30 minutes on the line with them the first time to be told that they agree that this is an error but for some issues with their system they can not clear the amount. They assured me that they would put notes in the account and that this was resolved from their side only for me to receive letters from this debt collection agency. The call I refer too was made on the XXXX of XX/XX/2022. I called them again after receiving this letter but could not complete the conversation after 30 minutes as the lines got disconnected as they usually do when they do not wan to solve these problems.
Background I transferred 3 out of 4 lines from XXXX to another service provider in XXXX this year and paid them an amount XXXX XXXX which was outstanding and for contract closure. 3 of these 4 lines were ported to a new service provider and the 4th was to be cancelled. Due to an error on their part they suspended the 4 line instead of cancelling it and kept billing me for that 1 line. I have clarified this with them a few times and they have also agreed to this assuring me that the account notes will take care of this issue because their system can not.
I do not owe them any money and should be compensated for spending my valuable time on resolving this ( 2-3 hrs. so far ) because of the threat of getting my credit score impacted.
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This issue was resolved several years ago by anot her Collection Agency.and my self. This issue began on XXXX XXXX , XXXX when someone, not me or anyone I know, impersonated me by going on XXXX and applying for a credit card with the last four digits of my Social Security number and a false email account. This was fraud. With the last Collection Agency I had conversations with XXXX , the Credit Card Company that uses XXXX home page. I have been with XXXX and XXXX since XXXX and I have only used one email for both of these accounts. This email is " XXXX XXXX XXXX '' and the one used for this " Fraudulent purchase '' was XXXX XXXX XXXX . I have never used or had an email with hotmail. I had over 20 phone calls with the previous collection company, including XXXX and the Credit Card Company that issued credit in my name. As I told the previou s Collection Agency, all th ey had to do was to ask the Camera Company tha t shipped the merchandise, where did they ship it to. I guarantee that it wasnt to me or even in the State of Washington. Everything was settled years ago, and I was reassured that it was Fraud and we were done with this ugly issue. Now, I guess my previ ous Collection Agency " sold '' my information on this claim to " Convergent Outsourcing '' ( XXXX # XXXX ) w hich are now calling me and my wife during work hours and I hate to have to go through weeks of badgering about consumer fraud. I believed this was XXXX red up years ago. Can you please help.
|
| 10/29/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On Mon XX/XX/XXXX XXXX CDT 2018, I called XXXX Customer Service and a representative from XXXX XXXX XXXX answered the phone from the XXXX number after going through the automated system. The representative did not identify the company that she represented, or that she was attempting to collect a debt, or that any personal information collected would be used for that purpose. I told the representative that I had a XXXX transaction from my sister that had not come through to my account, and the representative responded that she would be happy to assist me in resolving that issue, ( which the company has no control or access to even view XXXX account information or transaction, much less the ability to assist with XXXX transactions between two people ). My full name, email address, mailing address, social security number, personal XXXX account information, and phone number was provided to her. She was unable to find any information regarding me, and only then, when I became highly suspicious, did she inform me that she was not a representative for XXXX but rather a collection agency. XXXX XXXX XXXX did not identify themselves and through this omission of identification they therefore implied misrepresentation by impersonating a XXXX representative under the guise of assisting me with rectifying a personal family money transaction in order to obtain private, legally protected personal information for which I would have not provided had I known the truth. I recorded the conversation and can provide it if needed.
|
| 04/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a debt collection notice from both Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. I was surprised to receive this because I've never set up an account with T-Mobile and had never received any kind of billing notices from them prior to receiving the debt collection notices. On XX/XX/22 I called Convergent Outsourcing and notified them that I was disputing the debt. The letter they sent me states that if I dispute the debt they must stop collection until they send me the information that shows I owe the debt. As of XX/XX/22 I have not received any correspondence regarding my dispute, but I have received an additional collection notice that was issued on XX/XX/22.
When I initially called Convergent on XX/XX/22 they also advised me to call XXXX directly to dispute the claim. I did this on the same day. I spoke with XXXX different representatives and they were unable to give me any information regarding the account and wouldn't allow me to dispute anything because I couldn't give them the pin number associated with the account. As I never set up an account I have no way of knowing what this pin number could be and they did not offer me any assistance with this. I also requested that they reach out to the debt collector directly about this as they wouldn't give me any information. They refused to take the debt collection account number when I offered it.
I would like confirmation that they will cease all debt collection efforts and that this will not affect my credit.
|
| 05/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Company did not proved me w/ notification that I could dispute bill. I received no right to dispute letter/ mail I have NO contract w/ this company : XXXX XXXX On XX/XX/XXXX I received an alert that the company XXXX XXXX had placed a bill for the amount of {$370.00} on to my credit report. I called and was transferred 3 times, to a supervisor who told me that she saw my bill your report as a collection. This bill needs to be removed immediately from all 3 credit reporting sites immediatelyand that since it was from XX/XX/XXXX, her company does not have to tell me of any bill nor send a letter to dispute. I quoted her the FCRA regulation and she continued to proceed w/ the bill will stay on because : 1. I have NO contract w/ the company 2. The company did NOT send me a dispute letter alerting me of my right to dispute Report Accounts Account Details Dispute Guide Print XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$370.00} Balance Updated - Credit Limit - Past Due Amount {$370.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$370.00} Comments - Payment History XX/XX/XXXX
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To whom it XXXX concern, My name is XXXX. Back in XXXX I called XXXX to settle down my account with them. They told me they sold my account to Convergent and I should give them a call. I called and spoke with a guy named XXXX and if I pay within 3 days he will do a pay to delete. He sent me a letter to my email about settling down my account for {$3000.00} and to send the checks overnight so they get in time. I sent them all over night with the following writing on all three of them Endorsement of this check constitutes payment in full. You agree to delete within 30 days from my credit report.
They violated my rights by cashing the checks and not deleting the account and by promising they will update and they never did.
I called them a week after they cashed them and they told me everything looks good and they will delete and update credit bureaus. They didnt!!! I called them a month later and they told me it takes 60 days to update. Now its been almost 6 months and I sent them letters and they ignore my request. Thats a breach of contract rights. They breached the agreement by still reporting to all credit bureaus that I owe them $ XXXX while we agreed on {$3.00}. How could I owe $ XXXX on an account we agreed to settle for {$3.00}?!?! Not only that but they are reporting incorrect info such as date of last activity, balance owed, last payment, etc! Each credit bureaus has different information and there are inaccuracies among all three bureaus. This means the account has not been properly verified!!
|
| 03/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent is reporting a debt owed on my credit report that I have repeatedly informed convergent and the credit bureaus that the debt is not mines. I have submitted disputes to the credit bureaus asking them to validate the debt. The 1st initial dispute they responded back that the debt had been validated and put comments on my credit report debt validated/consumer still disagrees. I contacted them and asked in what way did they validate debt, who did they validate with and could they send me copies of all documents which made them come to this decision. They never did. I later receive mail.from convergent the debt collection agency with 1 page of a phone bill from XXXX with my name on it and four phone numbers that I have never seen in my life and they have a box checked off stating the debt IS valid. I called convergent and spoke to a rep. The rep.stated she could NOT find an account with the account # I gave her. I called XXXX they said once again it was validated .... I called convergent and spoke with a young lady who asked for my ID # and ssn. And birthdate. I believe I gave her my birthdate but none of the other information she requested because she stated she would not be sending me any of the documents or information I requested.I have disputed this item numerous times month after month and they keep saying its validated without showing or providing me any proper proof. I believe my rights have been and are being violated. Every time I dispute it seems they change the original reporting date
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
My credit profile shows I owe XXXX {$450.00}. I contacted their best collection agency Converegnts to request proof of this debt because I don't owe anything. I also told them I am a current customer of XXXX, as I have been for years. There is no way I should have been granted service without paying an alleged " prior debt '' in total.
On XX/XX/2021, I sent Convergent a Certified letter requesting proof of this debt. I received a few bills that state I owe for a DVR box that I never had, a returned modem, and a fee for terminating the contract early. When I returned the modem, XXXX did not provide me with a receipt from the local XXXX store.
The agent at my local XXXX store in zipcode XXXX claimed it was too long ago, and they have no record of my account information in their system. I sent another detailed certified letter to Convergent dated XX/XX/2021. The letter requested that they again provide me the information I asked of them in the certified letter dated XX/XX/2021.
I also request they provide the alleged proof of Service Contract Agreement I Authorized, XXXX XXXX Contract Terms/ Date, Unreturned Modem Serial Number/ Make/ model, Proof Modem Was Not Returned, XXXX Serial Number/ Make/ Model, Date XXXX Provided DVR and method XXXX etcetera.
Today they still refuse to respond with the requested information. Why? Because it doesn't exist. The printed bill invoice only stating I owe for a DVR, modem, and early contract termination isn't sufficient. Billed invoices are not enough proof.
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
I called this company calling itself Convergence Outsourcing to get this guy trying to collect on a debt I dont know if belongs to me. Of corse he got my information or had my information. I ask why they was reported fake addresses & phone numbers. Told him my social security number was used in prison system. I got pervert messages, ongoing XXXX messages sent to my cellphone. Their has been vandalizem to my vehicle & ongoing hit n runs on my vehicle.The culprits changed my DMV records to old addresses & left threatening notes on my vehicle. Using some kind of dynamic dialing system to hacking into my cellphone. Also they have sent my credit reports to unknowns addresses. They have threatened me with having my drivers license # & all my personal information threw text messages. Got into my car insurance policy online account.
Had my vehicle reregistered in redding. I have disputed the same information they keep buying & addresses not mine, while someone is using my credit & buying & selling property changing my year of birth on my credit files. 3 companies that work for these culprits have same info. I gotten bags of default messages for a XXXX XXXX XXXX & hacking into my cellphone stealing data & following me stealing property out of my vehicle such as my handicap placecard & whatever I might have stored in my vehicle. My vehicle was starting without the keys & was taking to other towns without me. The culprits has cost me nothing but time & money harassing me threw my cellphone & threw the internet
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To whom it XXXX concern, My name is XXXX. Back in XXXX I called XXXX to settle down my account with them. They told me they sold my account to XXXX and I should give them a call. I called and spoke with a guy named XXXX and if I pay within 3 days he will do a pay to delete. He sent me a letter to my email about settling down my account for {$3000.00} and to send the checks overnight so they get in time. I sent them all over night with the following writing on all three of them Endorsement of this check constitutes payment in full. You agree to delete within 30 days from my credit report.
They violated my rights by cashing the checks and not deleting the account and by promising they will update and they never did.
I called them a week after they cashed them and they told me everything looks good and they will delete and update credit bureaus. They didnt!!! I called them a month later and they told me it takes 60 days to update. Now its been almost 6 months and I sent them letters and they ignore my request. Thats a breach of contract rights. They breached the agreement by still reporting to all credit bureaus that I owe them $ XXXX while we agreed on {$3.00}. How could I owe $ XXXX on an account we agreed to settle for {$3.00}?!?! Not only that but they are reporting incorrect info such as date of last activity, balance owed, last payment, etc! Each credit bureaus has different information and there are inaccuracies among all three bureaus. This means the account has not been properly verified!!
|
| 01/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is attempting to charge me a cancellation fee that was assessed in error. I have spoken to them via phone countless times over the past few months to no avail. They have now sent this account to a collection agency, Convergent Healthcare. As has been explained both to XXXX/XXXX as well as Convergent Healthcare, my son, XXXX, went to XXXX, AZ to visit with his father this summer. He had an appointment during his visit which I cancelled. XXXX claims another appointment was rescheduled that same day, which XXXX missed. This information is in error. I did not reschedule another appointment at the time of cancellation as I did not know when XXXX would be returning. Therefore, if another appointment was scheduled, it was done so without my knowledge or consent. Certainly I can not be held liable and charged for missing an appointment that I was not aware existed.
Convergent 's response to my dispute was that they would contact XXXX and it would be up to XXXX as to whether, or not, this account was removed from my credit report. Under the FCRA, as Convergent is the " furnisher of information, '' they have a duty to verify the accuracy of this account prior to placing it on my credit report. They also have a duty, once informed of a dispute, to conduct their own independent investigation into the debt 's accuracy. They can not simply rely on the word of XXXX to determine whether or not this debt is valid. It is THEIR duty to ensure the information THEY are reporting is accurate.
|
| 02/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Convergent Outsourcing XXXX XXXX Attorney General Attorney General XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : {$680.00} To Whom It May Concern : Convergent Outsourcing - I do not have any obligation to this debt you are inaccurately reporting on my credit bureau nor have I received appropriate notice from you & you are in violation of my rights! According to my credit file you reported this debt opened on XX/XX/XXXX, last reported XXXX/XXXX/XXXX ; I check my credit vigorously this information appeared on my credit report within the last few days I just checked my file not even 4 days ago so how you are reporting an open date nearly 2 years ago is beyond me! Pure XXXX! I want this removed from any credit reporting agencies you have illegally reported ASAP!
XXXX - XXXX is this XXXX, it says you are the original creditor but that does n't make sense my account with you has never been late and I pay my bill. I thought this was the uncarrier XXXX - this is so out of the blue and VERY annoying, I suffer from XXXX and XXXX and do not need these irritations in my life- I do n't know who got my account mixed up or whatever but I do not owe this money! If you do n't correct this swiftly I will end my tenure and take my business to someone else more competent.
Attorney Generals - I am formally filing a complaint against both of these companies for the false information they placed on my credit bureau report! This is ludicrous! Absurd! XXXX!!
Regards, XXXX XXXX
|
| 10/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed with a collection agency by the name of Convergent Outsource stating an inaccurate entry of an account on my credit report by their company. They have made a claim stating that I owe the amount of {$1200.00} which I do not.
I have reached out to them on XX/XX/2019 and XX/XX/2019 requesting again to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have an obligation to pay them. They have failed to submit any contractual agreement with my signature with Convergent Outsource. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification.
According to FCRA & FDCPA, it is in violation to report any inaccuracy on a consumer credit report if there is no validation of the debt, they must request that all crediting reporting agencies delete the entry.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have legally binding contractual obligation to pay you the alleged amount.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.
|
| 04/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I ended my account with XXXX in XXXX XXXX XXXX and returned my equipment in-store, closing the account and paying the final bill in full. In XXXX XXXX XXXX, I contacted XXXX again because I received another bill, and confirmed via phone that the equipment was returned and the account was again confirmed to be closed. At a later time, a debt collector Convergent Outsourcing Inc said they were collecting a payment of {$110.00} for the account that was past due. Since I had moved to a new location, I never received any mail notifications or e-mails regarding this instance. I contacted XXXX and they confirmed in my account notes that equipment had been returned and that there was an unjust balance on the account, but they were unable to close the instance with Convergent Outsourcing since it had been reported already on my credit. I contacted Convergent Outsourcing, notifying them of the instance with XXXX and informing them that I would submit an XXXX dispute. I submit the XXXX dispute but learned today that the dispute was rejected so I am filing a complaint through the CFPB to get it removed from my collections and credit history. I have attached the XXXX and XX/XX/2020 bills, showing a {$0.00} balance at the start of XXXX and then Service charges for both XXXX and XXXX. I contacted XXXX in XXXX where they said they would fully credit and close the account, but the invoice shows they only provided back partial credits on the instance which resulted in a missbilled balance of around {$110.00}.
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Service trial started on or about XX/XX/XXXX. I called XXXX and cancelled all services on or about XX/XX/XXXX and sent back internet tower and simm cards on XX/XX/XXXX with their return label from XXXX. THEY SENT XXXX return labels??? XXXX XXXX said everything was fine and there would be no charges. THIS WAS MY CALL TO CANCEL ALL SERVICES.
The XXXX agent XXXX to cancel the services. I called a total of XXXX times trying to cancel and they did not cancel the service until XX/XX/XXXX. All equipment was sent back XX/XX/XXXX using their return label and was delivered XX/XX/XXXX to XXXX see tracking record attached. They XXXX, then admitted their error ( recorded call ) but said they could do nothing about it. I have many calls into XXXX recorded with them admitting the wrong done by them.
XXXX falsely advertised all of their services for my AREA. They were and are a sub rate service for this area.
XXXX XXXXXXXX did NOT do their job as they were required and falsely advertised their services.
I was forced to pay a bill that they failed to cancel when I told them to. XXXX then sent a bill in for collection that had already been paid.
XXXX has XXXX my credit ( credit rating over XXXX for XXXX XXXX ) and I do not believe this should go unnoticed. I never became a customer of XXXX, and never will.
I write this now this way, because XXXX could not get things straight. They were confused, and did not have correct information each time I called in. I have a complete LACK OF TRUST for XXXX.
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2018 I ended my contract with XXXX after 5 years, I canceled it on the contract end date according to the representative. I canceled it and went into a XXXX store and worked with a customer service representative for XXXX who Took my phones and equipment on the account, I paid for one phone I wanted to keep for our daughter. I paid the account in full at the store with a check ran as a direct ACH debit at the register. The account was then canceled and I left. Only to later receive a bill for {$190.00} from XXXX. Which has now been sent to collections and reported to the credit bureau negatively and inaccurately by Convergent Outsourcing INC . I have sent proof to both companies, this account was paid in full on the cancelation date.
This account was paid in full and canceled at the XXXX store with a representative who said it was now closed and no further charges would be assessed. I also called customer service to verify this and was told it was closed and PAID IN FULL. Theres not much more you can do to close an account and avoid further charges. This is unfair, and inaccurate and causing my score to drop severely with XXXX. I have disputed this with the credit bureaus with proof of payment in full on the memo of the check paid as an ACH at the register at the store, so I had proof of payment. I do not owe this debt to XXXX which sold it to C.O.I. who is also repeatedly violating My FDCRA by changing the assigned date of this account. It is only being reported to XXXX now.
|
| 01/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This is concerning Complaint XXXX and another XXXX. I disputed this resolution, because they said they could n't verify a debt, and asked for proof of letter. This resulted in a related claim XXXX. However, I got an email stating that the CFPB could not send the complaint because they could n't find the company. I find this hard to believe, since this was just a dispute for the complaint they answered to.
I received yet another notice from Convergent saying I owe over {$1600.00} to XXXX. I received XXXX the day before saying the same thing about XXXX. I have the following issues.
1. I called Convergent today to see what they could tell me, which was absolutely nothing. I asked for details, and the phone was conveniently disconnected. I called back, and was on hold for over an hour, and still did not get anything.
2. This debt was not me. They did n't even spell my name correctly.
3. The notice had no option to verify debt, and when I asked them to, they wanted my social security number, which I 'm not going to voluntarily give without some form of verification of debt.
4.This debt is waaayyyy past the statue of limitations to collect a debt in Michigan, which is 6 years. Considering I 've lived out of state for the past XXXX, nobody has a right to even try to collect this debt.
I sent all information that was asked of me, and they are still saying they did n't get it. Therefore, I am writing it in this message.
XXXX XXXX XXXX Account # : XXXX Convergent Account # : XXXX
|
| 03/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account since I first received notice from the credit bureaus that it was being reported on my credit report. On XX/XX/XXXX and XX/XX/XXXX I sent letters to Convergent Outsourcing asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. No matter what I request ( validation of the debt, proof of amount, or proof they are authorized to collect debt ) they simply respond with a form letter with a pen mark checking off this debt is valid and attaching a copy of a single bill. They are refusing to offer any supporting documents. Convergent Outsourcing is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me a copy of a bill. This is not acceptable. A copy of a bill or a statement of monies due does not constitute verification or validation of debt. FCRA states there must be a tangible contract provided to me upon my request that bears my signature, showing that I am responsible for the account. Without that, there is no contract, no valid claim. If validation can not be established, I respectfully request Convergent Outsourcing remove all active, inaccurate, derogatory reporting from the credit bureaus and cease any efforts to re-report the debt through illegal practices in the future.
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As of XX/XX/XXXX the account with the creditor I.C. XXXX XXXX was deleted off of my credit report. On XX/XX/XXXX I received mail from a creditor Convergent/XXXX stating this is an attempt to collect a debt. Thing is what debt do I owe them? I never signed any agreement with Convergent/XXXX . I then sent them a Validation of Debt and a Cease and Desist letter certified and requires a confirmation signature which I yet to receive or any documentation that validates that I owe them anything. On XX/XX/XXXX I received a email alert that there's been a change to my XXXX credit report. I log in and see my score had decrease and a Collection account has been added to my report. First by law XXXX was suppose to inform me that something was about to go on my credit in written form. Never received that. Second Convergent/ XXXX has yet to validate this debt but XXXX allow them to place a Collection account on my credit reporting report. XXXX failed to follow the law as a Consumer I have rights 15 U.S.C 1681i ( b ) ( i ). Because they failed to do this I request that this account be deleted back off my credit report and update my file. This has caused me a great amount stress because I am working really hard to stay the course and these credit bureau to feel like they have the right to add something on your report without Validation is crazy and unprofessional because they are aware of the laws and the rights as consumer and I have already dealt with this creditor and the account was removed.
|
| 05/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Convergent Outsourcing, Inc. sent me a letter of " Attempt to collect a Debt ''. This company was asked by XXXX XXXX to collect an alleged debt for {$420.00}. I have already filed a complaint against XXXX at the FTC for the same alleged amount last week, explaining that XXXX received the equipment in full in emails for that effect. Convergent attempted to call me, by phone, and was as expected rude and insulting! They received the same courtesy they afforded me and more!. These parasites deserve that treatment, and more, as they are not in full knowledge of the facts of the case from XXXX. This is a feudal effort, by XXXX, to collect any amount as no matter how small it is, even a XXXX cent is too much for their inferior services throughout the XXXX years we have had them. XXXX continuously violated the terms of our agreement through lies and removal of channels as well as promises made by phone, even when we fulfilled the XXXX year contract with them. It is an out and out attempt of extortion ( the practice of obtaining something, especially money, through force or threats ) by Convergent and XXXX!
I leave you with this for all to see ; It is by law, between XXXX parties, that a contract or agreement or commitment written or otherwise, is an obligation by the XXXX parties and not XXXX sided. In conclusion, this is a closed and shut case since XXXX XXXX, 2015 as it was admitted by XXXX in a communique, email, on that date. Convergent must not attempt to peruse this case further!.
|
| 06/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
|
| 11/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
|
| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Around XX/XX/2016 I was moving to another address. I went from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. I was contacting all of my service providers to transfer to my new address. A XXXX XXXX representative stated my bill must be paid regardless of due date before a new account can be opened on a new address so I paid it off. With no written communication over the next two years of the debt owed, I received a notification from XXXX XXXX that XXXX sent it over to a debt collection agency called Convergence for {$55.00}. If you think I owed this debt, wouldn't someone attempt to contact me with a written notice to let me know I owed this money? I was still a customer so they had my new address. They claimed they called me 3 times but I have no call records. Within that 2 year time span, I've called XXXX numerous times for inquiries, technical support, etc and nobody brought a collection up. The collections agent claimed it slipped through the cracks. Is that my issue? XXXX XXXX needs to get it together. I heard complaints from friends and family that they were over billed for something and when XXXX looked over it, they corrected it. I believe that's the issue here. They are unorganized, and lack communication. They lowered my credit down a few points and I'm upset they couldn't notify me before placing it on my credit so I can confirm its accuracy. They stated they will not remove it and I owe it, but I know I do not based on the information above.
Thank you, XXXX XXXX
|
| 04/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been repeatedly called by XXXX XXXX through a computerized autodialing system. I have attached a file showing all calls I believe were from them ; In the file you will see where I received multiple calls a minute a part and also calls received before XXXX. When I answered these calls, the other end would be silent then the call would end. Many calls later, I decided to confirmed with XXXX, the original creditor, that my debt had been outsourced to XXXX XXXX. Next, I returned the call to the collection agency on XX/XX/XXXX ; after being told the call was being recorded and the amount owed, I asked where in my contract with the original debtor did I give permission for them to repeatedly robocall me. They would not answer my question so I requested to speak with the supervisor. I repeated this question to the supervisor, and she responded that the contract did not give permission for them to do so. I then asked, " Then when was permission given by me? '' She responded that today was the first time they spoke to me and that I haven't given permission. Next, I asked, " then why am I receiving illegal robocalls? '' She stated an automated system makes these calls to everyone until they are told not to and that this is legal until first contact. This conversation showed not that these calls were a mistake but that they willfully harass all consumers that they are trying to collect a debt from this way. They harassed me in various ways and lied about my consumer rights.
|
| 10/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I closed my account with XXXX and was told by the rep what my final bill was and paid it. A short time later I got a bill from XXXX for {$450.00} with no explanation as to the charges. I called XXXX and they could not access my account to tell me what the bill was for. As far as I'm concerned, the final bill the rep gave me when I closed the account was all I owed XXXX. The next thing I knew I was getting letters from a collection agency.
The very first letter stated that if I responded by a certain date, they would not report the collection. A response was mailed weeks before that date and they have now placed that collection on my credit report. They never answered that letter. They sent a second letter with additional charges on it with no explanation of what those charges were for. I've repeatedly asked for details of what the XXXX charge was for and what their charges were for. I have yet to receive a response. Then Convergent offered to settle for 80 % of the increased amount ( that had no explanation ). The original bill was {$450.00}.
I want this bill erased. XXXX had charged my card after the account was closed. I reported it to my bank who agreed the charge was not valid and returned the money to my account. I paid the final amount I was told was due at the time I closed my account. They aren't entitled to anything else. I also want this collection removed from my account and Convergent held responsible for failure to reply to XXXX requests for information.
|
| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good day and thank you for reviewing my complaint.
Recently I checked by credit report and found that the company XXXX ( now with collections company Convergent Outsourcing ) had put a derogatory marking on my report regarding an account I had with them that ending in XX/XX/2018. I have documentation showing I paid for my monthly service as normal however the last payment that I made to them ( on XX/XX/2018, screenshot of a text confirmation is provided ) was never reflected on statements thereafter. I cancelled by service with XXXX 4-5 days before my next billing cycle would begin. In essence, I should have had a prorated adjustment to my account and that didnt happen either. I was no longer in contract for mobile service with XXXX and I didnt have cell phones that were in contract with them either. I have enclosed copies of my XXXX statement, copies of my XXXX statement showing when I transferred service and a screenshot of the text payment confirmation. I talked with someone back in XXXX after cancelling my service and thought this was resolved. I have no idea why 2 years later this showing up on my credit report. This issue has put a negative baring on my credit report and am furious about it since I am in close marking to having excellent credit. This report made my rating go down XXXX points! I dont believe I owe XXXX anything thing. I would be greatly appreciative into looking at this dispute and discrepancies. Thank you in advance for your time and research.
|
| 08/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I sent convergent a debt validation letter on Date : XX/XX/2018 Delivery Confirmation : XXXX XXXX XXXX XXXX XXXX ( letter attached ) for an account listed on my credit report. I received a letter on XX/XX/2018 ( letter attached ) with no attached contract, mutual agreement, or anything that validate the debt they say I owe them.On XX/XX/2018 ( letter attached ) they sent another notice out saying this debt is valid and attached is verification of the debt which they did not provide debt validation.They attached a service agreement that do not have convergent name on it at all.According to Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I requested validation made pursuant to the fair debt collection practices act and the fair credit reporting act, along with the corresponding local state laws. I requested validation that is competent evidence bearing my signature, showing that i have or ever had some contractual obligation to pay them. They is in violation of fair debt collection practices act ( including but not limited to section 807-8 ) and violation of the fair debt collection practice act ( including but not limited to section 623-b ) The legal definition of verification which requires a sworn testimony under penalty of perjury in other words and affidavit, false affidavits is violation of fdcpa. They totally ignored my request and need to delete this information off my credit report.
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| 11/26/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had a debt with Convergent Outsourcing for XXXX originally set a payment arrangement with the company to pay the full balance owed. XX/XX/XXXX I made my first payment of XXXX. After making the payment, I asked the company for a receipt showing I made the original payment. I was informed that the payment arrangement was no longer in place because the payment came in a few days after it was originally supposed to. I again requested a receipt from the company showing my payment and on XX/XX/2022, I received an email from a Convergent Outsourcing supervisor showing the payment I made and stating the balance remaining on my account as being {$50.00}. On XX/XX/2022, I made the payment of {$50.00} and requested a letter from the company showing my account settled for a lesser amount. I called the company and told them I made the payment they requested and was informed that they would not honor my payment. I confirmed with the company that I received the letter from a Convergent supervisor with the authority to send this information and was later called by the director XX/XX/2022 saying my account with them would not be closed and it didn't matter what information they sent to me. I requested to speak with the board of directors for the company and the director told me this would be the last call I receive from anyone from the company in reference to closing and settling my account and that the account would remain open regardless of what was sent to me from the company.
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| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, XXXX XXXX, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans.
XXXX XXXX XXXX, is committing violations to the FCRA. They also are involved in or party to what is considered, " double jeopardy '' where this account has previously been with multiple other collection agencies that were removed from my credit files only to be purchased by XXXX XXXX XXXX and falsely reported the same account with the same " Original Creditor-XXXX ''. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this account was previously with other collection agencies and removed from my credit files, only to learn that now the same account is being falsely reported to XXXX and XXXX credit reporting agencies. I am still trying to understand how XXXX XXXX was able to just report on the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies, of the same account previously removed.I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.
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| 09/22/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received notification on XX/XX/2022 from XXXX and XXXX on my credit reports that a new collection was added. The collection agency Convergent Outsourcing NEVER sent me ANY letter informing me that they had my account from XXXX or any letter for that matter that they had my account in collections since XX/XX/2022 according to what's being reported in my credit reports. 4 months later it gets reported to my credit reports. Why was I not notified that my account was sold???!!! I would've been able to pay the account off prior to it being reported to my credit reports. I was unaware that my account had even been sent to collections because I was making regular payments to XXXX to pay the account down and they also never sent me a letter stating my account had been sold. XXXX kept accepting my payments leading me to believe they still owned my account and the whole time they sold my account to Convergent Outsourcing without my knowledge! So the original creditor XXXX never sent me any letter nor did Convergent Outsourcing. I do not owe Convergent Outsourcing any money. I have already paid XXXX the remaining balance of {$150.00} on XX/XX/2022 that was owed to them. I do not owe the collection agency because I was not even aware they owned my account until it was placed on my credit reports and I want this collection deleted from every credit reporting agency that Convergent Outsourcing has placed it on due to them not letting me know my account had been sold to them.
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| 04/26/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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For some reas on Convergent has not sent me proof o f my obligation of this alleged debt as requested and continues to report this trade-line to the XXXX major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. I disputed this account directly with Convergent on XXXX XXXX , XXXX . To date, Convergent continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention tha t Convergent know th ey can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Convergent is blatantly disregarding the law.
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| 05/17/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On server occasions over the course of seven months The Convergent Outsourcing Company keeps falsifying information about validating a debt collection and the company falsify quoting On XX/XX/XXXX, XXXX placed an account for you in our office, to collect a balance on their behalf, in the amount of {$1000.00}. On XX/XX/XXXX, we sent you a validation notice. This notice included your right to dispute the balance owed.
In writing I am strictly applying In accordance with the Fair Credit Reporting Act.
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information the Convergent outsourcing took including but to limited to : 1. The initial written and signed contract showing I the costumer and convergent outsourcing in any agreement.
2. The account and amount of product or services that I the consumer and convergent outsourcing agreed upon.
3. All the detail steps showing proof of signed joint contracts from initiation to closure establishing names of parties involved in this said contract.
According to the FCRA this should be presented within15 days completing your re-investigation.
Also under federal law you have 30 days to complete this final delivery of your investigation.
Being unable to provide accuracy I request this inaccurate information be removed from my consumer report immediately.
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| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 10/08/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Last year I was solicited by a XXXX XXXX Representative at a XXXX location for a quote for internet, phone, and TV services. I explained I did not want services as I had just moved in the home and would quote competitors. I provided my name and phone number only. This " gentleman '' went on to use a FAKE / FRAUDULENT SS # as well as setup an installation for that following week. I came home to an installed service that I never once asked for.
Upon calling XXXX XXXX support, they had a hard time verifying my information beyond my name because of the fake information input, including SS, email, and pin. This is reflected in the notes of XXXX. ( I just spoke with them. ) XXXX XXXX agreed to remove all liability on my account {$100.00} once their equipment was returned. I returned their equipment as confirmed by the representative ( XXXX ) i just spoke with.
I am unsure why Convergent has this 'debt ' since not only do I not owe it, but the contract was null and void the day the service began. I was paying month to month, and fell behind only when the services they promo 'd me for my 'inconvenience ' were not removed ( XXXX/TV ) and I was billed for them. According to the representative there is extensive notes from the beginning explaining all of this. My account with them was settled completely as of the date of Convergent purchasing my debt for less than {$10.00}. ( XX/XX/2018 ) - More than a year and a half after closing that account in good standing.
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| 02/01/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was under a special promotion with XXXX XXXX XXXX that was going to end XXXX qtr 2021. I contacted XXXX about obtaining another promotion and was offered a promotion by their representative. When next months bill came, they charged me full price of over {$100.00} for the month. I told them I was currently only paying {$67.00} total now and that I was offered a reduced rate by their agent and they should honor the rate. I told them was not willing to pay more and they could cancel the service if they were not going to honor the rate. They told me XXXX would not honor the rate quoted but they would give me a gift catd and some other rate. I again told them no, I didnt want it. I contacted the office of the president to complain about the tactics being used. The office looked into it and said the agent made a mistake, but they would give me a gift card. I told them no, not interested. Then they sent me a bill saying my service was never disconnected and I over over {$100.00} per month, thus the {$300.00} collection. I told them ai cancelled months ago and if I didnt wantXXXXto pay {$67.00} and a gift card, what in the name would make them think I instead would pay over {$100.00}. XXXX has bad customer service and they are wanting me to pay for their agents mistakes. I do not owe a XXXX thing to XXXX and since they have a gift card they kept trying to give me, tell them to us that to pay for the fact that no one disconnected service after I told them too!
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| 09/16/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
XXXX XXXX collection company has placed an unknown account on my credit report in XXXX 2017 without notification or validation of the debt. However I do not have a contract or signed any documents agreeing to pay XXXX XXXX XXXX on an account. I did not establish services nor did I have any written agreement to establish services with XXXX XXXX or XXXX XXXX. I am demanding proof of validation with my signed signature of the debt and proof that XXXX XXXX can collect and owns this account. If both can not be proven with documention. Then not only are they in violation of FDCPA but also FCBA. I have not received notice of this debt a right to dispute and so forth. I am requesting and showing proof not only is this the second time this has happened with illegal reporting to the credit bureaus but also not adhering to FDCPA. This account was with another violating collection company back in XX/XX/XXXXand was removed due to violations. please see the attached documents. Companies as such should govern themselves accordingly and not provide information without proper consumer notification. Violation as such can lead to grounds for a lawsuit under FCRA. I am asking that XXXX XXXX remove accounts immediately and close the account for collections.
Please see attached as to how it has been with two previous collectors who violated and one shows a XXXX balance because i never owed a balance and later XXXX XXXX decided to give it a shot at collecting a un owed debt.
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| 09/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
I closed my account XXXX. They contacted me in a letter saying that I owed more than what I thought I owed due to a machine that they said that they sent me that I never received when I attempted to close the account and pay the money that I 'm supposed to pay I was told that I can not pay that off at this time until they figure out what happened to the machine. They also told me that not to worry about it being in collections because we 're not going to allow it to happen, two days later it was at collections and I was being told that I owed not only the money that they XXXX said, but another {$200.00} added from the collection agency. I called XXXX six or seven times trying to get this fixed and get it back to them and they promised me that they were going to take care of it which they never did meanwhile the new collection agency hounded me for 3 to 4 weeks calling me almost 5 to 6 times a day I again explained to them that the mistake of XXXX and they really did n't care to hear about it all they wanted me to do is pay off their collection fee and the longer it takes more money i will owe them. I again told XXXX that I 'm not going to pay {$900.00} when I only owe them XXXX bucks I did not hear anything back from anyone until I read that this now on my credit report. I have no problem paying the amount of money I owe to XXXX I never attempted to not pay my bill they 're the ones that stop me please do whatever you can to take care of this thank you
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| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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I filed a complaint and sent a letter out on XX/XX/2022, to convergent outsourcing, XXXX, XXXX, and XXXX. My complaint # XXXX. However, it has been more than 30 days and this account has not been deleted from my XXXX account. this is not making any sense being that this account is fraudulent and this company trying to collect this debt isn't even licensed and legally allowed to collect in the state of Florida. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. As i stated previously Convergent Outsourcing is not licensed/registered to collect in the state of Florida. That is illegal! According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.
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| 07/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On or about XX/XX/2013, we contacted our then current cellular provider ( XXXX ) to advise them of our desire to change carriers and confirm that our account status was paid and up to date. We were advised that in order to change carriers, we had to have a {$0.00} balance with our old carrier prior to changing to a new one ( XXXX ). We spoke to a XXXX representative at the store literally 100 ' down the mall from the XXXX store who informed us that our account balance was {$0.00} and we were free to change carriers. We also confirmed this with XXXX, who had to do a check on our account in order to import our current cellular numbers over to XXXX. We were informed that this could be done and we could initiate a new account at XXXX and did so. We received several invoices from XXXX many months after terminating our account with them and disputed the amount over the phone with customer service reps. Years later, we received notice that the debt had been transferred to XXXX XXXX, who was listed as the new creditor. When we inquired with Convergent, we were never sent any supporting documentation of the actual amount or how that amount was reached, only that they said we had a balance of approximately {$1200.00} that was from our termination of our account. We have disputed the matter using XXXX XXXX and Convergent still lists the account as valid. We would like to have the matter removed from our credit report, as we do not believe the debt to be valid.
|
| 04/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I arrived to this country on XXXX/XXXX/XX/XX/XXXX and XXXX is trying to bill me a debt dated on XXXX/XXXX/XX/XX/XXXX owed by a person named like me but not in my address. The difference is in the apartment number. XXXX already opened a collection using XXXX collection company that I solved last XXXX, XX/XX/XXXX when I contacted XXXX and sent to them all my information. It is supposed to be solved when XXXX XXXX sent back the wrong information to XXXX. Now, collection appeared again in my credit report but now XXXX issued to Convergent Outsourcing. I sent my personal information to XXXX and I told them about their mistake but they sent to me a form of Identity theft and they asked me to send them back a police record report, as if someone had used my information, but this is not the case. They do not take on their mistake. At the end, I did n't accept that. Why do I need to spend my time and my money getting that documents when they made the mistake. I do n't know how or why this debt was linked to me, and how XXXX got my personal information because I never have had an open account with them. They did a bad job and now I have a collection in my credit report that have been affecting my credit score almost 2 years. I wanted to sue XXXX but it is a hard process. The error is so simple and solution is so simple too, that 's why I do n't understand why XXXX ca n't fix it. Please if you know how to solve this problem, I would like to know.
Best regards
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| 07/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX Convergent sent letter stating a debt was owed to XXXX XXXX XXXX for XXXX.
XXXX XXXX XXXX was bought out by XXXX XXXX. I contacted XXXX XXXX to verify debt. XXXX XXXX verified old debt was valid. Confirmed the amount owned of XXXX They advised I should come in and paid it directly.
XX/XX/18 Paid XXXX XXXX the amount of XXXX ( advised by teller ) Transaction number XXXXXX/XX/2018 XXXX # XXXX Called Convergent to inform them of payment and asked what the additional charges were for. They advised interest rates. I requested a break down to confirm and they agreed to email the breakdown.
XX/XX/18 Called Convergent to follow up on the status of email break down. They advised me they had not sent it, and transferred me to have it sent out " XXXX XXXX '' ( refused to provide ID number or reference ) XXXX XXXX advised that is was interest and fee they charged on top of the original debt. He offered to remove the additional charges and not report it to collections if I was able to make the original payment. I agreed that the Orginal payment could, in fact, be taken care of. I provided him with the payment date to XXXX XXXX and offered to provide transaction number.
He then refused to hold his offer and said that was not proof. I advised him to contact the bank, ( for which he collects for ) he refused. I offered to provide a three-way call, which he refused to.
Debt has been paid, " XXXX XXXX '' is attempting to extort additional fees.
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| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Convergent outsourcing llc XXXX cell phone company owned by the mobile now I'm hoping that I have put the right stuff so this is take to the right people I had no knowledge of it I had this removed from my credit a while back then they changed the amount put it back on there I called the convergent explained it to them then was talked Into paying a lowered amount with them saying it would be removed and I wouldn't have to deal with it again. Like i had in the past I payed them and have proof then they turned around and told me after I payed they would not give me a delteion letter that it would get reported I o XXXX on it I was like I was told this would be removed they said they do not own it XXXX does i asked for proof they refused a letter stating such I contacted XXXX they refused to take it off and told me I have to pay them XXXX and some dollars more Account XXXX XXXX Does have no opens to see what's ever owed they know I turned in and cut off services 3 days after getting it XXXX System states money owed for services 1 month started service XX/XX/2019 called canceled XX/XX/XXXX they said canceled on XX/XX/2019 when they got phones in mail after stating they didn't get them I have tracking number still if needed # XXXX There Account. XXXX convergentusa.com XXXX XXXX XXXX XXXX original talked to Called back in Payed XXXX XXXX XXXX XXXX to XXXX XXXX being transfered to XXXX XXXX to close out Account from XXXX Confirm XXXX payed in full XXXX
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| 09/30/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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We Defaulted on our car lease payment in 2018 because the XXXX dealership we leased the vehicle from went out of business. so we called that particular location for a few months but couldn't get a whole of anyone. we were finally able to reach a customer service representative at another location that told us to turn the vehicle in since it was been repossess for the delay in payment which we did. the lease was in both my name and my wife 's. This particular account started reporting on both our credit reports as derogatory. but this account from the get go has always reported inaccurately on my reports XXXX XXXX and XXXX had wrong information on their separate platforms about this account and every time i disputed the errors and demanded that the account been removed from my credit report for been inaccurate the particular error will be fixed but the account will remain. Even though this account was written off as bad debt for the full amount of the vehicul in question after we had made more than half of the aforementioned amount before turning the car in we had a certain Convergent Outsourcing, Inc contact us in an effort to collect the debt. And at this same time this XXXX-XXXX XXXX went ahead and reported fraudulently on our credit report new payment that we never made and my guest is that they did this to move the status of limitations on this account ahead to the can fraudulently still take our money. Please help us fight this fraud
|
| 02/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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on XX/XX/2018 I was looking to purchase a home, upon pulling my credit report, I noticed there were some odd things on my reports, so i order copies of my credit reports. I found out I was a victim of Identity theft. I notified all credit compines, and filed a police report, and a Identity theft report. I also notice that someone ordered cable services in my name, from the same cable company I go through now, an d have been for awhile now. XXXX XXXX. They ordered serivces at a address that I do not live at. Well what happened was I do not know, I am shocked. I called XXXX XXXX I am current on my bill I told them what was going on they had no clue. I reached out to the collection agency, XXXX XXXX XXXX account number # XXXX there address is XXXX XXXX XXXX XXXX XXXX WA XXXX TEL:XXXX I was very upset she was rude I was upset, I told her what was happening she did not care just yelled at me and said I get it you are a victim of fraud, and told me they would send me some paperwork. I never heard anything back. This collection agency states I owe them XXXX no I do not. People should be more kind. You know it XXXX when someone stills you Identity and, this collection agency had no remores she just want all my information so they can call me 40 times a day like they have been but they will not give me there fax to send the police report a email or I still have not got the paperwork in the mail to send back my proof I been a victim of Identity theft.
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX XXXX , they had begun to chagrining me all kind of elaborate amounts for billing, every bill was more the he last amount. I called almost every month trying to get some resolution to the billing. They would say the are correcting it to one amount but they never did the next month it was worse. I have asked to speak with supervisors and management its always they will call me back but I never got a call. They would call my sons numbers on the account but would never call me even after they were given my number to call. In XXXX XXXX I decided to just pay the equipment amount and take my numbers off as well as pay the phone bill. The phone rep XXXX agreed that it would be ok, so I pay what was due plus the equipment, I was suppose to have XXXX more bill it was back to XXXX dollars and they used the XXXX dollars I paid to pay off the phone amount they say I accumulated. But it did not work so finally I had it down to XXXX phone number in XXXX and they continued to bill over, I removed all phone numbers, by this time I owed XXXX dollars, outrageous. Then in XXXX XXXX a collection agency called convergent sent me a bill for XXXX , I agreed to pay off because I am so tired of them but the amount kept increasing and I canceled the phones. Forward to now XXXX XXXX , the bill is now XXXX dollars and they have placed it on my credit report when I have been in contact with them for a dispute about the enormous amount.
|
| 05/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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Received Alert for my credit bureau alerts stating I have an open account and failed to pay to XXXX. I closed my account with XXXX and due to previous collection tactics I was told to deal straight with XXXX phone serivce due to previous problems with collection shrewed tatics, threating court ect. I have been in communications with XXXX XXXX paying the last balance of my account which is XXXX. I 'm was confused when I received an alert from my credit montntoring agency that states that Convergent Collections indicates that they have been attempting to collect a debt in which I never received correspondent especially since I have been dealing with XXXX and paying by check. In order to report to the credit bureaus of XXXX, they must show that they have been in contact with my debt in an extensive time, I fails to make any attempt to pay my debt, which is crazy cause i have a check for last months agreement of XXXX cashed out by XXXX. I have no written correspondence from Convergent or any contact with any rep, or even a written correspondence to dispute any amount. Under fair credit reporting jaw can you submit to XXXX Credit bureau without any documentation, phone call or any correspondence and then report on my credit without any written correspondence. Under fair credit reporting is is unjustifiable, especially since I was and have paid a whole XXXX balance and have been speaking to XXXX even when they reported this to XXXX credit bureau.
|
| 05/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
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On XX/XX/XXXX I sold my home at XXXX XXXX XXXX, XXXX, Ga. XXXX. I live there for over 21 years. I had used XXXX XXXX XXXX- Acc # XXXX -the entire time. I was never late or never missed paying my bill on time. Not once ever. The monthly bills for the last year, XXXX, average between {$60.00} and {$120.00} per month. The month after I moved I received a bill saying I owed {$340.00}. My payments were up to date as of the time I moved. I call XXXX XXXX. XXXX immediately because I could not understand what the {$340.00} was about. The person I contacted gave me the run around that it was money 's they had not charged me for gas that was back due. Told her it sounds like something you have made up and want me to pay. I could not understand or follow anything she was saying about the situation. Told her to send me in writing, along with proof, what this supposed claim was about that you want me to pay. You need to give me the background, numbers, dates, etc. Never heard anything from them. On XX/XX/XXXX, I received a notice from a debt collector -- Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX for {$340.00}. This is eleven months after I had spoken with them and since I never heard back I assumed the situation was rectified. Now I see that XXXX XXXX XXXX evidently sold this fraudulent " Bogus '' claim to Convergent. I do not owe this money and I need your assistance in rectifying this false claim.
|
| 02/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XX/XX/XXXX, XXXX XXXX reported that I had a " major derogatory '' account 120 days past due to XXXX credit bureaus. I received an alert thru my credit monitoring service -- I have never received any communication about it or any amount owing whatsover from XXXX.
On XX/XX/XXXX, I opened an account with XXXX because I intended to port my number from a different carrier, but decided against it and closed my account with XXXX the same day I opened it, on XX/XX/XXXX. I never purchased any equipment, activated a XXXX card, or used any XXXX services whatsoever. I have a statement showing a {$0.00} balance dated XX/XX/XXXX, and that was the last communication I ever received from XXXX. I have never received a bill, statement, notice, email, telephone call or any communication from XXXX XXXX since that date, or any indication that any amount was owing for any reason.
On XX/XX/XXXX, the day I received a credit monitoring alert, I called XXXX, got passed around multiple times, and both the fraud unit and the " recovery '' unit told me the account had been sold to a collections agency called Convergent USA, and they could provide me with no information about the account, the amount owing, any bill, or the reasons for the report to the credit bureaus. I have never received any notice of any debt, statement, telephone call, email, or any communication from Convergent USA -- yet this alleged debt has been reported to the credit reporting bureaus.
|
| 06/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I stopped using XXXX prepaid wireless service on the XX/XX/XXXX. On XXXX/XXXX/XXXX I contacted XXXX to reconcile my account because they had deducted money for the month of XXXX even though the service was discontinued. They reviewed the account and told me the account is reconciled and i don't owe them anything. I took some snap shot of the conversation i had with the representative by name XXXX. Then last week i saw my credit score dropped by more that 100 points so I requested my credit report only to find out XXXX has reported that i owe them {$130.00} and its in collection and showing as an adverse report on my credit.I contacted XXXX to fix the error and they requested the snap shop of the conversation which I did but nothing have been done since. I never defaulted on any payment with them and i would gladly pay if I owed any XXXX to them I asked the representative to check the record on XX/XX/XXXX and she told she cant. Why would a company like XXXX not have a record of customer discussion on file? is it so they they can prey on poor people like me with claim of no evidence of any communication? Please look into these because i believe probably there are several people who have suffered this plight. I live paycheck to paycheck but i have tried so hard to ensure my credit is good only for XXXX to just ruin everything because of their greed and lack of documentation. This is not right and i hope I can get answers from you. Thank you
|
| 12/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
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I terminated my contract with XXXX cell phone services. I knew there would be a disconnect fee, but did not receive any letters in the mail or phone calls to tell me that the debt was owed. I received a call from a collection agency telling me that I owed money to XXXX. I verified with the person on the phone when I set up the first payment that this had not yet and would not be reported to my the credit agency, as I was not made aware of the debt that was owed. I was assured by the individual on the phone that it had not and would not be reported to credit agencies. This was around XXXX ( I believe ) XXXX. I pulled my credit report the next day it the delinquency had been reported. I called back, and the first person initially cancelled my payments that I had set up, so I spoke to another individual who reinstated my payment plan, but informed me that they had not been able to reach me in 15 days, so they had reported me to the credit agencies. I told her that I never received any phone calls ( as I had recently been dealing with health issues with my XXXX daughter ), and I did not receive anything in the mail. She stated that they had records of sending me requests in the mail, and there was nothing I could do. I am happy to make the payments, and set those up immediately when I was aware the debt was owed, but I was never provided the opportunity to pay the debt and make those arrangements before I was reported to the credit agencies.
|
| 06/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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I live in XXXX and have so since XX/XX/XXXX. I have been contacted by a debt collection agency that I owe a debt of XXXX. I called and they said I owed XXXX. They said I had service at a address I never lived at and it was opened in XX/XX/XXXX to XX/XX/XXXX. I called a filed a police report and called XXXX. So I wrote to the agency immediately requesting to dispute and press charges. I get a letter a week later saying due to lack of information provided they been unable to complete my investigation. When I wrote them, I sent them the lady name which is XXXX XXXX XXXX and also her current address and current phone number. I do n't go to XXXX and have n't been since I left. I know XXXX from living on the same block with my mom. I had opened a welfare case and when we moved I vlosed my case and never had my mail forwarded and I 'm thinking she got it from mail. I know XXXX fraudulently used my information and I had no knowledge of it. I contacted XXXX when I received the letter but of course she denied using it and said that she lived at the address but do n't know how this could of happened and stated that she know I never lived there. I aslo told her I was pressing charges. She said she will wait on them to contact her.Please help. I looked on my credit report and it was never on my report. So this has been haunting me down XXXX years and how can I find out what else she might have used my information for? Thanks in advance for your help.
|
| 12/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Convergent XXXX does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX Pledge ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. Convergent advised that they has since ceased collection in their office. Which is a fraudulent statement because it is still showing on my credit report for XXXX. This is a violation of my rights. Convergent has my information without the proper rights to have it. Please investigate Convergent for it's fraudulent activity in regard to fees waived by XXXX as they have unethical practices and have access to consumers social security numbers and personal information without the rights to have it. This should be made public and investigated. XXXX needs to remove this account right away. Convergent XXXX advised that they would cease collections but I am having to continuously dispute something I do not owe and they continue to report to the credit agencies in an attempt to collect which is contradicting what they said they would do. Furthermore all the information including dates are accurate. If this continues to be on my credit report I would like XXXX, Convergent XXXX, XXXX and XXXX investigated for unethical practices with the Attorney General 's Office, Governor 's office, CFPB, FCC, FTC, Department of Justice, XXXX, news, XXXX
|
| 04/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Convergent Outsourcing Inc called me everyday for months. They would call and ask me for personal information. I did not want to give them my SSN, birthdate or anything else. I offered to verify what they have. I also asked for a written notification. Instead they hung up and called back every day and did the same thing. They also repeatedly called my office phone without permission and any records they bought would have a do not call work on file. They must have looked up my new employer.
When I finally received a letter, I called to make arrangements on XX/XX/2020. The agent I spoke with offered a settlement of one payment of {$700.00}. I agreed to a payment on XX/XX/2020. This is recorded. The agent instead, processed an immediate payment on XX/XX/2020 and scheduled a second payment of {$700.00} for XX/XX/2020 for a total of {$1400.00} and not the {$700.00} of the agreement.
I called the next day to explain the payment had been processed sooner than I agreed. The representative informed me she would refund the {$700.00} and mark my credit that I failed to comply with a negotiated settlement even though she clearly understood her company had misrepresented the situation. I asked for another agreement in writing this time and was told it is their business practice not to offer any agreements in writing until AFTER the payments are made.
This type of company is the reason consumer protections had to be created in the first place.
|
| 06/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have on multiple occasions reached out and disputed a collection listed on my credit report with convergent outsourcing Inc as well as XXXX and XXXX. The two credit bureaus keeping sending me back that the debt has been deemed verified but it is not. I have absolutely no idea about this account and it can not be verified as mine by the credit collection agency. I spoke to a representative at Convergent Outsourcing named XXXX in attempt to verify this collection. I advised her that it is not mine and I have no idea about it. I asked her to send me a copy of a contract or legal document bearing my signature. I was advised by her that they don't have anything with my signature or anything to validate the account is indeed mine. She said they were just tasked to collect and are doing so. She went on to advise me that she did not need to validate any information to collect a debt. I then contacted the credit bureaus back for the third time to advise them of my conversation with the collection agency. I advised them that they can not validate my debt so therefore how could the collection agencies. They advised me to call the collection agency to deal with it. Mind you not on three previous attempts I mailed dispute letters to both XXXX and XXXX to disputed with no resolution. I am entitled to a complete and accurate credit report and this collection violates that. I am asking for assistance in rectifying this as it is not my account.
|
| 11/16/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Original Creditor : XXXXCurrent Credit Agency : Convergent/XXXX This Debt is XXXX years old!!!!!
Asking for me to pay a debt but can not find my stock!!! From the periods of XX/XX/XXXX, and from XX/XX/XXXX. I had several incidences, with this bank, that put me under the suspicion, that XXXX XXXX XXXX did something that should not of happened.
The first incidence was, when I left my job, XX/XX/XXXX after being downsized, I elected my XXXX account with this Bank. I had to sell some of my stock XX/XX/XXXX. for a personal reason. That XXXX, I was received a statement describing the remaining of stock that I had. XX/XX/XXXX I had it was sold and there was no description of where it went to. After, going through old statements, I contacted the bank XX/XX/XXXX and was told that it merged XXXX. An assistant to the Vice President XXXX XXXX XXXX XXXX XXXX, attempted to help me locate the remaining XXXX shares. Unforunately, unable to do so, and explained that I needed to get an a-sheetment from where the shares came from by calling XXXX.
B ) The XXXX incident, was in XXXX, when a XXXX insurance policy was cancelled, due to a compromised account.
C ) When the account was compromised by making purchases online through XXXX and XXXX.
Convergent XXXX XXXX Bank CheckingSending for a settlement offer of $ XXXXThe same with this Bank, XXXX XXXX was compromised and I received XXXX ATM cards within 3 months! Something is wrong with this XXXX!!!
|
| 03/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from the company Convergent today, XX/XX/XXXX, stating that I owe the company XXXX a debt of {$560.00}. The letter is dated XX/XX/XXXX. I have never received a bill from XXXX or have an account with them. I used XXXX 's service in XXXX when I worked for them, and paid about {$20.00} a month. I never owed them a bill as I paid them off and switched companies. XXXX has never repored a debt to any of my credit report companies and upon researching this I have found many people that have been contacted by Convergent for debts that they have never heard of, many for XXXX. I immediately called XXXX and talked to a representative. Since I do not have an account with them they stated to disregard the letter as it is possibly fraud. The rep stated that if I get another letter to go into a XXXX location and show them and to have them report as fraud. They couldnt do anything further for me over the phone. I am afraid this company is trying to collect a debt on a fraudulent account opened using my information. My credit reports have stated i have had past information involved in data breaches from different companies. I will not be contacting the company Convergent as I do not want them to start calling me or trying to collect more information from me. I am locking my credit reports at this time but i fear that this company will be able to report this debt to my account when I do not pay. I will dispute it if they do so.
|
| 11/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Received a " reduced balance opportunity '' notice from Convergent Outsourcing , Inc. regarding an alleged debt from XXXX for {$4600.00}. I have never had an account with XXXX and I told this woman who answered, who identified herself as XXXX XXXX. When I was going through the prompts and asked for an agent, it then asked why I wanted an agent I replied that I thought it was fraud. After going through account numbers, etc., I told her I never had a XXXX account. She immediately replied that it was probably " identity theft ''. She then said she would send me a " fraud packet '' and that I would need to file a police report, and then return the packet and police report. Supposedly this will arrive in 7-10 days.
The " offer '' is : " We have been authorized to accept payment of 60 % of the total balance, which is {$2700.00}, in exchange for which XXXX will recall your account and cease all collection activity. If you are interested in taking advantage of this offer, call our office within 14 days of the date of this letter. Please note that this is not an offer to accept 60 % of your debt as payment in full, but an offer for XXXX to remove your account from further collection efforts. We are not obligated to renew this offer. '' There has been no " collection activity ''. This is a scam.
There are two addresses on the " letter '' : Convergent Outsourcing , Inc .
XXXX XXXX XXXX XXXX WA XXXX and XXXX XXXX XXXX XXXX XXXX, PA XXXX
|
| 10/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018. I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. The total balance shown {$3100.00} for XXXX XXXX. This is a fraudulent account opened in my name. I never have any service or associates with XXXX XXXX. On XX/XX/2018. I called XXXX 's fraud alert line and reported the fraud concerns, however, the customer service told me that there was an account opened under my name, however, she could not access my information because the account already sold to XXXX XXXX XXXX XXXX XXXX. She said she can not help me and told me to call the debt collection agency instead.
Below is the body notice of the notice that sent to me : Dear ( my name ) : This notice is being sent to you by a collection agency. The records of XXXX XXXX XXXX XXXX XXXX show that your account has a past due balance of XXXX Our client has advised us that they are willing to satisfy your account for 35 % of your total balance. The full amount must be received in your office by an agreed upon date. If you are interesting in taking advantage of this opportunity, call our office within 60 days of this letter. Your reduced balance amount would be {$1000.00}. Event if you are unable to take advantage of this opportunity, please contact our office to see that terms can be worked out on your account. We are not required to make this arrangement to you in the future.
Sincerely, XXXX XXXX, XXXX
|
| 06/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
One evening my ex-husband and I went into a XXXX XXXX store to look at prices for new phones. The agent showed us some and we told him they were too expensive and too much for our budget. The agent kept trying to push us to purchase them and we kept saying no. It was getting late and it was time for the store to close so we were leaving when the agent told us to take the phones home, look over them and get a feel for everything they could do. We said sure but that we were sure we weren't going to purchase them. *We didn't sign anything*. The next morning we were at the store when they opened and we returned the phones. We said they were far too expensive for our budget and we couldn't afford them, and we left the phones with the agent. Within a week we started getting bills in the mail for the phones. I called them over and over again and told them that we didn't have them and they needed to speak to the agent. After a while XXXX turned us into Convergent Outsourcing ( a debt collection place ) and I tried to fight it but didn't have any luck. NOW, Convergent is submitting the debt to the credit bureaus EVERY MONTH stating that the account was opened in XX/XX/XXXX, which makes it look like I've been delinquent very recently, when in fact this occurred in XXXX. But they are hurting my credit every month by doing this.
I had contacted their company many times and explained what occurred but they told me I owed it, but I don't.
|
| 07/27/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Convergent Outsourcing , Inc .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correspondence sent XX/XX/2022 XXXXXXXX XXXX. XXXX REF : XXXX CEASE AND DESIST TO WHOM IT MAY CONCERN : Please be advised that I am DISPUTING the above-referenced account number which belonged to XXXX. Under the fair debt collection act, once an account is being disputed all collections and phone calls must cease and desist until the account is in investigated. Also, it is NOT to be forwarded to any credit reporting agency for collections under the law.
I am providing the following statement for clarity regarding this debt for your records. This bogus debt being reported to you by XXXX was for a FREE upgrade for an XXXX XXXX that was issued to me by one of the XXXX stores in my area which is no longer in business. Its my belief that the T-Mobile store was going out of business and mislead me intentionally to give me a free upgrade when I turned in my XXXX XXXX.
Two months later I started to receive a bill for this new device and immediately called the XXXX customer service number. I explained to the representative what I was told at the store and they credited my account. A few months later they did the same thing again and credited my bill once again. I suggest you ask XXXX for a copy of the phone records and conversations to verify these details.
I thought it would against the law to try and collect from to sources?
|
| 06/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This is an ongoing frustrating situation where your company COI keeps falsifying information that I am not aware of m. You state, XXXX XXXX. : R- XXXX XXXX Account XXXX. : XXXX On XX/XX/2021, you made a payment in the amount of {$540.00} with the agreement that this would resolve the account balance in our office.
In response to your complaint, your account remains closed in our office as resolved. If you have any further inquiries regarding this matter, you may contact XXXX directly. In addition, please be advised that COI have contacted the credit bureaus, with which we do business, with our request to update our listing of the above account on your credit profile as paid less than the balance owed. COI can not affect a change to how the creditor or any other company may have listed the account on your credit profile.
Enclosed please find a copy of an account payment history with our office for the above account. Should there be a discrepancy, kindly contact us.
Currently I have multiple accounts with XXXX and personal and business accounts receiving cellphone services and there is no record of what you keep reporting on my credit report.
I have asked you to verify this information of three times within the past 1 year with all written and signed initial contracts and you failed to present them. I am requesting you remove this impediment from my consumer credit report and cease from contacting me about this issue.
|
| 10/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
XXXX XXXX, XXXX has sent me a communication to collect a debt without disclosing that they are a debt collection company or that the communication was a means of attempt to collect a debt.
Their business name itself is deceptive in nature, and the communication is crafted in a manner that addresses urgency, whilst leaving the nature of the communication unknown. I almost thought the communication may have been a Job offer until the document asked me for the last 4 digits of my SSN.
This is their email, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX We wanted to get you this letter as quickly as possible and having your email of XXXX on file we thought you would appreciate receiving it in an email. If you do not want to receive communications from us via email please use the unsubscribe link below.
In an effort to maintain your security, we have encrypted your attached eNotice.
To open your encrypted eNotice : 1. Double click on the secure PDF attachment or click this link.
2. When prompted, enter the last 4 digits of your social security number for your password.
* Please note the above attachment link will expire in 90 days of receiving this message.
If you are not the intended recipient, please unsubscribe by clicking on the link at the bottom of this communication.
If you have any questions about your secured eNotice or need assistance, please contact us.
Sincerely, XXXX XXXX XXXX XXXX .
|
| 01/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was recently the victim of identity theft following the XXXX data breach and someone obtained my social security number. I first noticed suspicious activities on my credit in XX/XX/2022 as they attempted to obtained a number of credit cards, loans and tax returns using my social security number. All of the companies which they sent a request to other companies including XXXX, XXXX, XXXX XXXX, and XXXX denied the credit after a brief inquiry however XXXX XXXX approved them for multiple accounts despite an outdated address and no valid phone number.
Recently XX/XX/2022 I received a notice from a debt collector claiming I owed XXXX {$1100.00}. XXXX has been unhelpful and passed us on to the debt collector Convergent Outsourcing who also couldn't help us. We have submitted a fraud claim to XXXX including police reports and proof of identity fraud but have not heard back. They first made a lot of soft inquiries on my credit report around the same time as the new credit card attempts and continued checking soft inquiries even after I froze my credit and set the identity theft alert on all three credit bureaus. Then they put an outstanding balance on my credit report which significantly hurt my credit score.
They failed to take proper security measures to stop fraudulent accounts from being created when every other company did not fall for it. Additionally they have been unresponsive and actively hurting my credit score.
|
| 10/17/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
My daughter was sued by a law firm representing XXXX. We hired an attorney, and 10 days before the four separate filed suits were to go to trial, XXXX 's lawyers non-suited them. There were statute of limitation issues and I am doubtful that XXXX could prove that they had a right to sue since they probably could not prove that they owned the loans.
Now, XXXX has sent at least some of these loans to XXXX XXXX, XXXX, and they are actively attempting to collect. I personally received a phone call today, XX/XX/XXXX2017, from XXXX XXXX. They are also bothering my daughter.
I thought this was the case : " The Consumer Financial Protection Bureau today took action against the XXXX XXXX XXXX XXXX XXXX and their debt collector, XXXX XXXX , XXXX, for illegal student loan debt collection lawsuits. Consumers were sued for private student loan debt that the companies couldnt prove was owed or was too old to sue over. These lawsuits relied on the filing of false or misleading legal documents. The proposed judgment requires an independent audit of all 800,000 student loans in the XXXX XXXX XXXX XXXX XXXX portfolio. It prohibits the XXXX XXXX XXXX XXXX XXXX, and any company they hire, from attempting to collect, reporting negative credit information, or filing lawsuits on any loan the audit shows is unverified or invalid. '' Seems to me that XXXX is already in violation of the CFPB order. Have they completed the independent audit?
|
| 11/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/XXXX I switched my phone service to XXXX. I paid the initial purchase for both the phone and the Military member service. However, while trying to make this switch from my current company XXXX XXXX I learned that I couldn't move my XXXX for 6 months after purchase so I decided to leave XXXX and go back to XXXX XXXX until I could switch my XXXX. I cancelled my XXXX service on XX/XX/XXXX before the bill was due. A week later XXXX charged me for the monthly fee. This was two week early by the way. I contacted XXXX to have the charges refund but because I couldn't remember my pin and because my account was closed I couldn't access to get the pin so they wouldn't help me. They told me I had to speak to a local store. I then had my bank refund me the money as it was not an authorized charge since I had cancelled my service. XXXX has since sent me to collection. I then went to the store to get my pin so that I could have them correct that I do not owe them anything, but the store rep was not able to access my account either. I had her print the screen showing when I cancelled my account with her name on the document. I only had XXXX services for less than 3 weeks and I do not owe them anything. It seem that this company does not speak to each other. I had planned on returning to them after my wait period was over with my XXXX, but I'm glad I learned how horrible they were so that I will not make that mistake again.
|
| 08/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had an account with XXXX that I was unaware still had an existing balance. I was made aware when XXXX XXXX reported the balance on my XXXX credit report. I confirmed with XXXX that the account was not sold to XXXX XXXX and that they sill owned the account. I agreed to pay the balance of {$960.00} to pay the account in full on XX/XX/XXXX, and I was told that the account would be recalled and XXXX XXXX and removed from my credit.
On XX/XX/XXXX, when I checked my credit report, I saw that the XXXX XXXX collection account was updated to paid in full, and still remained on my credit report. I contacted the CEO of XXXX 's office to get the issue resolved, but I was told that they would no remove the entry, and that the agreement that was made was not going to be fulfilled.
I contacted the XXXX of XXXX 's office again in XX/XX/XXXX, and I was given the same response that XXXX would not fulfill their end of the agreement. I followed-up by calling XXXX customer service again, and I was told that, yes, in fact the account should be recalled and it should be removed from my XXXX credit report. I was told this would be completed in 10 business days. I have received no notifications that this action was fulfilled, and the entry still remains on my XXXX Credit report as of XX/XX/XXXX.
I payed the balance in full, all I want XXXX to do is recall the account from XXXX XXXX so that it will be removed from my credit report.
|
| 02/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am receiving multiple robo-calls from XXXX XXXX XXXX every day. I can tell it is a robo-call. The company call multiple times in a row, and leaves 1-2 second long voicemails with and without a pre-recorded message and a robotic voice several times a day. I have never gotten the opportunity to answer the calls because they call in the middle of the work day. I have never heard of this company nor received any prior information from them. I had to XXXX Search the phone number to find out who the phone number belonged to, the XXXX Search brought me to XXXX XXXX XXXX, which states this company is a debt collector.
I have also reported this company to the FTC.
Within 14 days, I received 23 phone calls and 11 voicemails.
XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX XX/XX/18 - phone calls - XXXX XXXX voicemail included ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX ; and XXXX XXXX voicemail included XX/XX/18 - phone calls at - XXXX XXXX voicemail included ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX voicemail included ; XXXX XXXX voicemail included XX/XX/18 - phone call at - XXXX voicemail included XX/XX/18 - phone calls at - XXXX voicemail included ; XXXX XXXX voicemail included ; XXXX XXXX voicemail included XX/XX/18 - phone calls at - XXXX XXXX voicemail included ; XXXX XXXX voicemail included
|
| 01/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020 I sent a certified letter to Convergent for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect.
# 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies.
They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me?
Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and you are violating my right.
|
| 10/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Convergent Outsourcing Inc. continues to attempt to collect a debt that is not owed for roughly 2 years. They are the collection arm for XXXX XXXX. I have disputed the validity of the alleged debt as not being mine. I have asked for validation of the debt. and they send a copy of a statement with my name on it. I have on numerous occasions asked for anything with my signature or a recording that evidences my approval for the charging of the {$170.00} they continue to attempt to unlawfully collect. I believe they are violating the FCRA, FDCPA, Pennsylvania FDCPA and Pennsylvania UDAP and these violations as well as the acts individually constitute a violation of UDAAP.
Further when I point the above violations of law out to the CSRs, for Convergent, they tell me I have to file a fraud claim with XXXX XXXX. I expressed my incredulity that they were not satisfying their affirmative obligation to only collect on a debt that was valid and again demanded that they validate the debt or remove the inaccurate information of the debt as allegedly owing to Convergent and XXXX but they refused multiple times.
It is clear that Convergent Outsourcing lacks appropriate training, corporate leadership, compliance and legal knowledge as well as any kind of QA or monitoring or testing program to be permitted to continue collecting debts for themselves or third parties.
I urge the Bureau to investigate the foregoing matter
|
| 07/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/XXXX ( per XXXX ) someone using my identity created an account online as a seller with XXXX. Apparently item ( s ) were sold and then a " charge back '' was initiated by a customer. It appears XXXX paid that individual {$100.00} and charged it to this fraudulent account. Since the fraudster did not pay them they put this into collections with Convergent. I had disputed this to XXXX and they denied my dispute, without explanation.
In XXXX, I received the first notice from Convergent that this debt was in collections. I contacted XXXX XXXX, a service that was first provided to me as a result of the XXXX breach in XXXX. Together we contacted both Convergent and XXXX to explain this was fraud. We were advised to proved Convergent with a police report and FTC Identity Theft Report as proof of identify theft. That was sent to Convergent on XX/XX/XXXX. On XX/XX/XXXX I received the response from Convergent. Letter was dated XX/XX/XXXX and stated that XXXX has rejected my dispute again. They did not disclose any reason why it was denied this second time either.
Conversations with XXXX have been a series of transferred calls and no communication as to why they have determined this fraudulently opened account was a valid account.
One day after receiving the response from Convergent on XX/XX/XXXX ; a representative from Convergent was already calling me and asking me when I am going to do to settle the debt.
|
| 11/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2020, I worked out an arrangement with Convergent Outsourcing to settle a XXXX account that originally belonged to XXXX. The agreement was that if I paid XXXX XXXX would cease all collection efforts on the account. I did pay the agreed upon amount and Convergent returned the remaining amount to XXXX, assuring me that all collection efforts would cease. After a couple weeks I noticed that XXXX had shown that the account had a XXXX balance, but was still listed as a collection account. I disputed this with XXXX and I got the attached dispute response when they show that was no longer listed as a collection account, but indicated that the account would remain on my credit for XXXX years.
Yesterday, after paying XXXX {$29.00} I looked at my credit report and discovered that they had in fact not removed the account from the Collections section of the report. I contacted XXXX XXXX whom I have an account with, and asked what could be done to get the information corrected, as the credit bureau was still showing the account as a collection item and that was not what I had agreed to. That conversation is also enclosed and shows that they have also tried to get the information straightened out. I spoke to Convergent, and they told me that they reported it as a closed account, but they could not guarantee how the credit bureau reported it. I also attached a copy of the letter of agreement from Convergent.
|
| 04/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was turned over a couple years ago to a debt collection agency. I agreed that I owed a portion of the debt, but disputed the remainder of the debt. The portion that I owed, I paid to that collection agency. I filed a formal dispute on the remainder of the debt, and within 30 days I was contacted saying they were closing their file.
Approximately 7 months ago, I was contacted by another debt collection agency for the same debt. I disputed the debt with them, explained the previous situation, and they encouraged me to contact XXXX directly to resolve the issue. I contacted XXXX directly and they refused to do anything to clear the debt. At both times I was contacted, the alleged debt included an equipment cost for equipment that they alleged we didn't return. When I contacted XXXX, they acknowledged that we had returned all equipment.
On XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX, another debt collection agency for this same alleged debt. This letter also mentions an equipment cost, I'm assuming for the equipment that XXXX already acknowledged that I returned. I am disputing this debt with XXXX XXXX directly, but this continuous contact for a debt I've already disputed twice is, in my opinion, beginning to border on harassment. I have taken all the necessary steps I needed to take to resolve this issue, and XXXX seems to just transfer the debt to another agency to try to collect.
|
| 09/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Delete Collections from Convergent Outsourcing from XX/XX/2020. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
15 USC 1692b Not state that such consumer owes any debt ; XXXX XXXX debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Best Regards, XXXX XXXX
|
| 06/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
This was a lease I Had back in XXXX XXXX. It was a XXXX XXXX XXXX XXXX, which was repossessed and taken from me involuntarily. I was behind in payments but I was still making payments. I never gave them permission to take my car nor did I ask them to take it because I was having difficulty making the payments at the time. So, one day I'm at XXXX District Family court, XXXX XXXX for a hearing I was scheduled for. The car was suddenly gone from the parking spot I had left it at. I thought it was stolen so I called the police, they quickly told me it might've been repossessed if it wasn't stolen from the Courts parking lot.
When I make tons of phone calls to see where it might've been. It was at a repo Lot in XXXX XXXX NY, which I wasn't even allowed to get my personal belongings. I tried getting my car back and they said I needed a {$27000.00} loan to get it back. so I had no choice but to leave it there because I couldn't get approved by any bank because of the recent repo.
Four years later, today. I see this {$11000.00} Derogatory report on my credit history. stating I need to pay this amount from the repo 'd vehicle. I can't even get a car loan because this has been haunting me for years on my credit report. Ive been driving a XXXX XXXX XXXX with tons and tons of hazards issues.
XXXX XXXX I the company that has this on my credit report.
Convergent Outsourcing is the one that has me in collections
|
| 06/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I had an acct with XXXX for 14 years and was never late. I became unhappy with their service and switched to XXXX XXXX XXXX. When I changed I was under no contract, I had been month to month for about 18 months and had not signed a new agreement. They called me once to tell me that I was paying to much and they were going to change my plan to make it more cost effective. I specifically said I did not want a new agreement and that I would only do it if it stayed month to month. The CSR said it would not change anything and I let her make the changes she recommended. I really do n't remember what it was something to do with the internet. I did not get any new phones as I did when I renewed my agreement before. I left XXXX some time after that and I was not told anything about any bills and paid my last bill for service. A few months later I received a notice saying I owed them XXXX for termination fees. These are fraudulent charges made by XXXX. I have disputed this four times and it gets removed and than resold to another collection agency later. its now with convergent and it is wrong. They have no signed agreements from me and I never got anything from them. Also I never received any new phones as I did when I renewed my agreement the 7 other times. They are impacting my credit dramatically and its is fraudulent charges and they need to remove them permanently, Also correct mycredit reports immediately
|
| 02/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I continually get calls from Convergent. I get 4 to 5 calls a day. They come from a # XXXX. Each time I answer, they state who they are and that they are a debt collector.
Then they tell me that I have a unpaid debt to : XXXX XXXX.. They state that I took the loan out in XXXX and I made my last payment on it in XXXX. They then state that i have a outstanding balance.
I advised them that I had filed a Chapter XXXX in XXXX during my divorce and any loans were taken care of through my Chapter XXXX.
I also advise them that if i did have any debt that old and from before XXXX, then this debt would have been included in the chapter XXXX and the debt is also past the statue of limitations for my state.
I also advised them that I had a loan with XXXX XXXX around XXXX to XXXX and this loan is paid in full and I also have a lean release and clear title. I also told them I do not believe that XXXX XXXX would have given me another loan if I owed them money.
I am then given the same story from them that they are going to put it on my credit report, They are going to take my home and also going to garnish my wages.
I advised them to send me copies of the original paperwork and any and all documentation .They advised me that they do not have to do this .It is my responsibility to keep my own records.
I have asked them to stop calling.I have used their website and also called them and the calls keep coming.
|
| 09/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A bill for XXXX XXXX from XXXX for approximately {$340.00} was paid in full. Three times collection agencies attempted to collect this paid debt. Each time the companies had to remove the debt collection from my record as I don't owe the debt.
Approximately a week ago, I was notified by my credit report companies that there was a new debt collection account on my record by a company called Convergent. I never received a letter from them to date. However they already put the account on my credit reporting as a collections account, thus tanking my credit score.
I filed this same complaint ( ID : XXXX ) on XX/XX/XXXX against XXXX XXXX XXXX for attempting to collect on the same account, which was verified as paid in full back in XXXX and they apologized and removed it from my credit reports immediately.
I spoke with this new company, Convergent, one time. They verified that they never sent a letter to me despite having my correct address stating they 'preferred " to handle accounts over the phone. I spoke with a representative and then a supervisor, who was rude, unhelpful and argued with me when I tried to explain you can't not send a letter and turn my account over to my credit reporting companies. They didn't care and kept pushing me to settle the account " for far less money than what I owed. '' Please see attached documents regarding previous complaints regarding this account.
Thank you
|
| 04/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I pulled my credit report for XXXX and XXXX and both showed and account for CONVERGENT OUTSOURCING INC for the total amount of {$970.00}. I have contacted all 3 companies in an attempt to remove this account from my credit file. I sent a series of four letter requesting the verification of this debt I owe to CONVERGENT OUTSOURCING INC ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all certified. The first 2 were collection account validation letters of which I received 2 responses on XX/XX/XXXX and XX/XX/XXXX with an itemized copy of a XXXX bill will my name on it. I then sent my last 2 letters of I requested validation of the debt under the Fair Debt Collections Practices in addition a copy of Spears Vs. Brennan as an example of how their response does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. I then was sent a fraud packet that looks from XXXX to fill out but to send it back to CONVERGENT OUTSOURCING INC. with a copy of my police report and license. I Never signed a contract with Convergent Outsourcing I have been trying to remove this account from my credit report for months and it just keeps lowering my score and making my file decrease by claiming I set up an instalment agreement to make payments and lowering my score by reporting missed and late payments. The last letter was one that I will start to take legal action so here I am.
|
| 04/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I checked my credit report. I found a XXXX bill for {$1000.00} from an account that was opened in XXXX of 2017 that did not belong to me. I contacted the debt collector to find out who the debt belonged to. I was told that the debt belonged to me even though I was given no validation of the debt, I never received any bill for the debt and I was never contacted about the debt by having a bill sent to me for an account that supposedly belongs to me. I informed my local police department and filled out a voluntary identity theft form and then was given a police CAD report recording the incident for further use with the collection agency and the credit bureaus. All of which ignored my efforts and just sent back information that this debt was verified. How could a debt that does not belong to me that is not even in my name be verified as my debt. I request a full investigation be done of this alleged debt and how the investigation was done with all relevant paperwork including original creditor documentation, business records, full accounting, a sworn affidavit from someone with personal knowledge of the debt. Some valid contractual obligation which is binding for me to pay this debt. Also, to produce the documentation from the alleged creditor authoring this company to collect this debt in their behalf. I am sending my most recent letter to Convergent Outsourcing requesting this information again.
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Delete Collections from XXXX XXXX from XX/XX/2020. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
15 USC 1692b Not state that such consumer owes any debt ; XXXX A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Best Regards, XXXX XXXX
|
| 08/16/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from Convergent Outsourcing Inc. stating that XXXX XXXX. has reported that i owe them a past due negative balance of $XXXX. The letter states that payment of this amount must be received to their office in 60 days, and that they were willing to accept partial payment of $XXXX. It reads: "If you accept this offer, our client will cease further collection efforts. Please note that acceptance of this partial payment offer will not reinstate your account with XXXX and the remainder of the negative balance will remain on your XXXX account."I quickly called Convergent and asked to speak to a rep. I was put on hold and then sent straight to a voicemail. After, I called XXXX to confirm that this information was incorrect. I let them know I rarely ever use my XXXX account and this could not be possible. The XXXX rep asked me if i have a XXXX XXXX XXXX, which I do not. He said that would be the only way XXXX would ever contact me about any money owed to them, by mail. He confirmed that my account is NOT in a negative standing, and also that there is a small balance on it. I asked him to please email me my statements, and he emailed me statements from XXXX 2019 - XXXX 2019. After reviewing these statements, no where on any of them does it show a negative balance, nor have i ever received any emails, mail, phone calls, etc from XXXX indicating that this information is accurate.
|
| 09/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello I keep getting harassed by Convergent loan company about money I owed to XXXX which was the creditor which was fraud and never authorized by me which XXXX knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on XXXX, XXXX, XXXX and any other companies.
Last year I had spoke to XXXX a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my XXXX I had closed to avoid this from growing. XXXX was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with XXXX. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe XXXX XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.
|
| 09/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is CONVERGENT OUTSOURCING INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CONVERGENT OUTSOURCING INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CONVERGENT OUTSOURCING INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CONVERGENT OUTSOURCING INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CONVERGENT OUTSOURCING INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CONVERGENT OUTSOURCING INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 12/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was going to switch cell phone companies and wifi to XXXX. Signed up over the phone, they sent me new equipment but the phone numbers had to be ported. I made 3 trips to their store, went to XXXX XXXX XXXX and paid off my phone. Kept trying to get # s ported but ran into so many roadblocks and poor customer service- then was told by some smart XXXX kid I didn't have to go through with it because I hadn't even ported the # s yet- I said, " you're right, I'm staying with XXXX XXXX XXXX XXXX XXXX I returned equipment directly to the store, unopened, directly to store manager, XXXX XXXX. This was another 2 hr ordeal that even HE could not get resolved. He wS put on hold and was transferred to 8 different people. He promised me he would work to resolve it when store was not busy. Went back up to the store to show him a bill I got for {$280.00}. He tried to remove that- unable to, then told me his computer said I owed {$680.00} AND I would be sent to collections! For WHAT? Today I received a letter that I have been referred to Convergent Outsourcing for collections {$680.00}. This is after XXXX XXXX, manager, worked on my problem and sent me a screen shot that showed I owed {$0.00}. I also received an email that the equipment was received. I am beyond livid. I am a XXXX I work very hard for Mt $ $ and I'll be XXXX if XXXX is going to EXTORT {$680.00} from me. This started on XX/XX/2021.
|
| 07/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
AXX/XX/2018I noticed a bill from XXXX in the mail. I didn't have a XXXX account so I ignored it. XX/XX/2018 I recieve a notice from Convergent outsourcing saying I was in collections for a debt of XXXX. At this point I contacted XXXX directly. They asked me information and they verified that there was an account created in my name. The number was a DC based phone number and they noticed that a phone had not been purchased under this account. I asked the XXXX personnel whether an account could be created via online contact only. It was stated in order to establish an account with charges you would have to be at an XXXX XXXXocation. At this point I was asked for the password to the account which i didn't have. I was told not to worry about collections and that this account issue would be investigated. Soon after this I noticed that I had other accounts issued in my name. At this point I set up a credit monitoring service and issued a fraud alert and locked my credit so that I could not be further compromised. XX/XX/XXXX I was contacted by a debt collector I can only assume is related to Convergent and stated to the the person on the phone that I had issued a fraud alert and that my identity had been stolen. I also stated that I had filed a police report related to these events.The individual on the phone ignored my statement and tried to say that I was still responsible for the debt.
|
| 06/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019 I sent Convergent a Debt Validation letter requesting that they send me a contract with my signature on it as proof that the debt is mines. I also requested that they send me validation of the money that they are saying I owe, explain and show me how the balance was calculated, provide me with copies that show I agreed to do business with them, a verification or copy of any judgment applicable, identify the original creditor, show me that they are license to collect in my state and provide me with license numbers and Registered Agent or Agent of Services. The only thing that I received in response was a letter stating that the investigation was complete and the debt was valid. They attached a bill that only showed the amount due but they did not attach a signed document stating that this debt belonged to me. I have no knowledge of ever having a XXXX XXXX account and therefore this debt does not belong to me. On XX/XX/2019 I sent a 2nd Debt Validation request to Convergent Outsourcing, Inc askign for the same documents that I asked for before. They sent me a letter dated for XX/XX/2019 stating that they are not currently handling the account anymore and that they will submit a request to the credit reporting agencies to delete the collection. As of XX/XX/2019 the collection is still listed on all 3 of the credit reporting agencies stating that I still owe this debt.
|
| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Recently my credit report showed a collection account with Convergent Outsourcing, Inc that is severely affecting my credit. They say that the original creditor is XXXX. I switched from XXXX to XXXX over 6 years ago with an offer that XXXX gave us to pay for the outstanding equipment balance to transfer our business to them. I filled out all paperwork required and they were supposed to pay it. After 6 years I get this collection account and contacted XXXX my current provider and they contacted a XXXX representative with me on the phone to solve the problem. The XXXX customer service representative said this was too long ago and that there is nothing for me to do but pay them. I told them is not my fault they waited years to communicate with me about it and this was supposed to be solved years ago. My current XXXX customer service representative confirmed that this was an offer that I received and that it was supposed to be done as offered, but XXXX 's customer service representative said since it was so old he had no access to that offer any longer and I have to pay. I find that waiting for so long to tell me that I have an outstanding balance has been done with bad intentions. I trusted that this was paid and they waited many years to contact me and to make me liable and responsible. I disputed with the credit buro and they only added a remark that I dispute the information.
|
| 05/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
The three accounts I'm disputing : Convergent Outsourcing- Acct # XXXX, XXXX/ XXXX XXXX- XXXX ...., XXXX XXXX- Acct # XXXX.
On XX/XX/2019, I sent XXXX a request for validation of three ( 3 ) accounts or otherwise remove the negative information off of my credit report. They reported the debts as valid and I again sent XXXX a second written request to provide to me how they " verified '' those accounts, and, again to provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of FCRA they are required to " ... promptly DELETE all information which can not be verified. '' On XX/XX/19 they sent a response " ... we were unable to honor your request or a portion of it ... '' I sent a THIRD letter to XXXX warning them that I fully intend to pursue litigation against them to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 regarding their willful and negligent noncompliance. Once again XXXX responded XX/XX/2019, " ... we were unable to honor your request or a portion of it ... '' I fully intend to follow through with pursuing litigation. I already filed suit against Convergent Outsourcing for the same matter, and still awaiting a response from the other two creditors.
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| 12/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 02/23/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/XXXX - Landlord set up my account with XXXX XXXX without my knowledge, only mentioned I needed to have electricity set up to move in.
XX/XX/XXXX - Utilities were disconnected without notice. Spoken with a XXXX XXXX supervisor over the phone that because I did not set up the account, they would close the account and I do not owe anything.
XX/XX/XXXX - Debt collection company Convergent Outsourcing called that I owe {$66.00} debt to XXXX XXXX. I tried to verify the debt but they were unable to do so. Due to constant harassment, I called up XXXX XXXX to pay the {$66.00} but they were unable to offer a receipt, although I have it recorded on my bank statement posted on XX/XX/XXXX.
XX/XX/XXXX - Same debt collection company called again that I owe {$330.00} this time. I called up XXXX XXXX but they are still trying to charge me for that account and sent the amount to debt collection behind my back, despite what the supervisor said on the phone on XX/XX/XXXX.
Ridiculously petty and deceptively company XXXX XXXX and unprofessional debt collection Convergent Outsourcing always unable to verify any form of debt and constantly harassing me through phone calls even when I asked for them to stop. I do not want to make another payment again because it seems the utility company just kept asking for more by sending larger and larger amounts to a shady debt collection company.
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| 08/25/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/20 Convergent Outsourcing received that I sent a debt validation letter that was sent by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. I called Convergent Outsourcing on XX/XX/20 for a resolution and spoke to an male agent who confirmed the information was not sent and asked me what information I wanted I told him that they did not provide the requested info in the required time frame and I would only like for the information to be deleted at this point, he then transferred me to the escalation department who hung up on me. The agency had 30 days to respond to this matter and failed to do so. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following information to validate debt : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental The original balance The current balance Any fees added by your agency.
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| 05/17/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I called the Company in XXXX. I first contacted XXXX XXXX in which i was able to find out my last account with them was in XXXX and nothing since that time. I have not had service with team mobile over 14 years. further investigation team mobile has not been on my account per credit reporting for over 7 years. The company who obviously bought the debt is claiming this is a new debt as of XXXX. I have not received a original bill from them nor have I received anything in the mail pertaining to this debt they claim i owe. I called them and i requested information and i also informed the company this is a XXXX XXXX XXXX debt and per my rights and the fair credit reporting act this needs to come off my credit or a ful original documentation of the so called owed bill needs to be sent to me in its original form with accurate dates.this report as i look back in my credit reports have not been on my report for XXXX, XXXX, XXXX nor XXXX till XXXX. it creadit a negative impact at the time of purchasing a home, if this does not come off i will contact my attorney and follow pursuit in this matter, i am allowed a investigation in the matter free of chart per the fair credit act, this violates my rights in the XXXX to XXXX reporting I have also called XXXX XXXX again for a report of my statement at of XX/XX/XXXX at XXXX if this again is not corrected i will pursue further actions
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| 06/30/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Convergent Outsourcing , Inc. was a company I had never heard of until I received a letter from that stating I owed them money from an old XXXX account that ended with me paying it off in full and leaving a {$0.00} balance. This all struck me as odd. Therefore, I kindly requested that they send me proof of the debt due to my family and my history of being a victim of fraudulent companies. Instead of sending me proof of the debt, Convergent Outsourcing , Inc. sent me a " fraud packet '' asking for my social security number, government-issued ID, and other personal information! I, therefore, decided to look into Convergent Outsourcing, Inc. more deeply. After all, I had never heard of Convergent Outsourcing, Inc. nor had I ever agreed to do business with them.
Therefore, I did some very basic Googling and quickly found that Convergent Outsourcing , Inc. is a company that recently underwent a class-action lawsuit for data breaches and failing to safeguard customers ' personal and sensitive information.
I am convinced that Convergent Outsourcing , Inc. is fraudulent. I told them via certified mail that if they are going to report the account to my credit report, they need to follow the law and provide me with proof of the debt that they claim I owe them. Yet they have failed to provide anything except demand me to provide them with my personal and sensitive information!
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| 07/18/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am writing to file a complaint against a debt collector who has violated my rights as a consumer. The debt collector in question, whose name is Convergent Outsourcing , Inc., had their license revoked in the state of Illinois, yet they continue to operate and attempt to collect debt.
Despite, their revoked license, Convergent Outsourcing , Inc. has furnished inaccurate and misleading information on my credit report, which has caused me significant financial harm and damaged my credit score.
Furthermore, Convergent Outsourcing, Inc.is in default with me, having failed to fulfill their obligations under our agreement. They have repeatedly harass me with constant phone calls and threatening letters, despite my attempts to resolve the situation.
As a result of their illegal behavior, I am now suing Convergent Outsourcing , Inc . I believe that their actions are in clear violation of the Fair Debt Collection Practices Act on top of the Illinois laws the debt collector is violating without a proper license to do business in Illinois. I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this matter.
I am requesting that the Consumer Financial protection Bureau take immediate action against this debt collector, and ensure that they are held accountable for their illegal and harassing behavior. Thank you for your attention to this matter.
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| 04/27/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a phone call from XXXX XXXX, XXXX XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my notice XX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX that the Convergent would notify the creditor XXXX XXXX XXXX XXXX XXXX and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from Convergent stating that I had a balance of {$550.00}. on XX/XX/XXXX I called Convergent and spoke to XXXX XXXX who had advised that my file had not been closed, that Convergent had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at Convergent they would notify Convergent XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX.
Client acct # XXXX Convergent acct # XXXX Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX XXXX Account # XXXX
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| 09/16/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Convergent Outsourcing , Inc. has been repeatedly calling me for at least a year now as well as sending letters in the mail.
The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I have also received numerous letters in the mail. I am a XXXX who suffers from XXXX, and these calls cause me constant XXXX to the point I turn my phone off or mute it, which disrupts my day.
Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.
Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are.
Convergent Outsourcing , Inc. has been repetitiously calling me with the intent to annoy and harass me. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit.
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| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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On and for the record, I initiated a formal dispute with CONVERGENT OUTSOURCING regarding the alleged debt and inaccurate derogatory mark listed on my Credit report in XX/XX/2020. I gave CONVERGENT OUTSOURCING 30 days to show evidence of the alleged debt obligation in accordance with FCRA and FDCPA. After FAILING to provide the requested evidence, I sent another letter giving CONVERGENT OUTSOURCING an additional 15 days to validate / verify the alleged debt evidenced by Certified Mail number XXXX XXXX XXXX XXXX XXXX. After Failing to provide evidence of the alleged debt within the initial 30 days and 15 day extension, I sent a THIRD letter evidenced by Certified mail number XXXX XXXX XXXX XXXX XXXX where I demanded that they request the UNVERIFIED Derogatory mark be deleted from my Credit reports. CONVERGENT OUTSOURCING FAILED to Validate the alleged debt AND FAILED to remove the mark from my credit reports. I then sent a letter to the Credit Bureaus regarding the alleged debt but the Credit Bureaus failed to remove it despite the fact that CONVERGENT OUTSOURCING has FAILED to Validate the alleged debt. It has now been 6 MONTHS and CONVERGENT OUTSOURCING has still FAILED to validate the debt in accordance with FCRA and FDCPA. CONVERGENT OUTSOURCING is using Unfair and Deceptive business practices and it is severely hindering my ability to obtain credit. PLEASE HELP
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| 06/05/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter from XXXX XXXX on XX/XX/XXXX stating the XXXX was trying to collect a debt of {$440.00} from me. I called Convergent within 30 days of getting the letter, they said they put in a dispute for me since I strongly believed I owed the money. I did not hear anything, nor did I receive anything in the mail. On XX/XX/XXXX I went down to the XXXX store on XXXX XXXX to see if I could get this resolved there, XXXX was helping me. He stated that he could not see anything on my account, only that I owed {$440.00} but could not see what it was for. He called XXXX XXXX and was on the phone with them for about 20-25 mins trying to help me get this resolved. XXXX stated that they could not see anything either as to what the debt was for. He gave me a phone number to call XXXX XXXX at XXXXand stated I had to deal with them. I called as soon as I left the XXXX store, the number he gave me is for Convergent. So I was confused as to why I got their number, but anyways, I was talking with XXXX XXXX on that same day, XX/XX/XXXX, he can not see what the debt is for, just the amount. He put a dispute in for me again. I asked if I needed to submit something in writing to them, he stated no. He told me to call back and 30 days to see what the status is and to check the account. It has not been 30 days but I feel this has been too long already. I would like this resolved.
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| 10/23/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
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Convergent Outsourcing Inc is harassing me about a debt allegedly owing to XXXX XXXX XXXX XXXX XXXX, NV.
During an 11 month stay in XXXX XXXX, I used XXXX XXXX for about 11 months. I bought a TV and my own modem and router at XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively ( Exhibit D ).
I hooked up with XXXX for XXXX and XXXX service. XXXX withdrew their monthly bill from my bank account for the next 11 months.
Shortly before I left XXXX for good, I contacted XXXX to get the amount for my final bill ; it was {XXXX. I personally drove to their office, paid the XXXX} XXXX Exhibit E ) and handed over their equipment consisting of the " top box '' ( converter box ) and the handheld remote. I was assured that I owed nothing further.
Now they ( Cox ) seem to claim that I purchased a modem from them. Why would I buy their modem ( I had my own ) and why was that modem allegedly bought AFTER my final payment? What took over XXXX years to engage a collection agency? Is n't there a statute of limitations? I have not seen a sales slip, nor an invoice, nor a proof of delivery ; nothing. Convergent claim the debt is valid ( Exhibit F ), twice, but have not produced anything other than a XXXX ledger sheet.
Convergent Outsourcing do not want to listen to my explanations ( Exhibits A, B, C ) and keep on harassing me despite telling them, please, not to.
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| 09/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I went to the XXXX to obtain a XXXX XXXX and XXXX XXXX requested by the NY XXXX XXXX XXXX NY for XXXX donation as a request for Pre XXXX examine requirements. XXXX was for XX/XX/2017 I had insurance through XXXX XXXX XXXX XXXX ID XXXX with a copay of {$40.00} ( XXXX billing ) This was given to their Billing dept. The " script '' was specific to the order. The XXXX choose to proceed with a procedure not needed and or told how much it would cost. I was there for solely the purpose of two exams XXXX & XXXX XXXX. Once I was done, my visit was {$1500.00} dollars. I called the insurance company and they indicated they should have received a pre authorized call and never got one from the XXXX XXXX center for woman.
I made a complaint against the Doctors failed efforts to inform me of the XXXX she took and the switch and bait the office pulled on me. I feel they took advantage of the insurance opportunity that it was being being by the XXXX donor. I feel i was mistreated, violated and now stuck with a bill that should not have occurred affecting my credit report.
I told then that they had to follow up with my insurance but they would not listen let alone understand that I would not have agreed to a treatment without my insurance being aware of knowingly that a PRE-Authorized agreement would need given to me, the insurance company and the Dr 's office billing dept.
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| 09/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Phone : ( XXXX ) XXXX in XX/XX/2018 regarding a debt from XXXX that in my recollection was paid in full. The debt was for {$450.00}. I called the collection agency and asked them to validate and verify the debt. I was sent a bill from XXXX, that simply showed a balance, but did not provide any details of the reason for the debt. I called the collection agency the week of XX/XX/XXXX, and after being transferred multiple times, the representative from Convergent explained that they could not find the account and I should call back. I called back and spoke with a representative during the same week, and explained what was sent to me. She was kind and empathetic and said they would send a detailed, itemized bill that would explain the debt. I heard nothing after that. I was notified on or around XX/XX/XXXX that the company reported the debt to XXXX.
I called the collection agency and explained that I still have not received information that validates the debt. The person became combative and said there's nothing they would do about it. I asked to speak with a supervisor and was hung up on.
I've submitted two disputes to XXXX, and the outcome was that the company validated the debt. I have still not received any information that validates this debt, according to the FDCPA guidelines.
|
| 01/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX.
The first time the debt collections was reported by CONVERGENT OUTSOURCING and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account.
I have previously contacted Convergent about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from convergent. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from Convergent are for someone with a different name and address to me.
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| 08/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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As far as I am aware, and due to the receipts I have, XXXX was paid almost two years ago directly before it ever went into collections. I called to request validation of the debt from Convergent on Friday ( the day I received the letter ) and it was then I realized they had blocked my personal cell phone from calling them ( due to the nature of my job ) and I made sure to call from my work phone immediately after to require an employee to hear the message I got on their recorded line. The call was made XX/XX/21 at XXXX CST and I spoke to XXXX XXXX After playing the message to her, she disconnected the call immediately. I decided to call again from my work number to see if it was an accident or if the same thing would happen, it disconnected after 8:55 minutes on hold.
Not only do I have no knowledge of this debt, this company has made it impossible for me to contact them to pay them even if they validated the debt. I wrote them an email Friday at XXXX and requested validation of my debt including what exact service was being billed within 48 hours, they did not respond.
I have no means to contact them if they keep blocking my numbers and I am requesting this be removed since I cant pay a company that blocked me. You are more than welcome to require them to provide the call made on the above date at the above time so you can see the proof behind what I've said.
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| 10/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I saw several transaction notifications in the morning of XX/XX/2018 on my XXXX account. I did not make or authorize any of those transactions. I attempted to contact XXXX immediately but the Customer Support was not open. I changed the password of my XXXX account as a precaution and once the Customer Support was open, I called and reported the unauthorized transaction and that the last transaction that was authorized by me was on XX/XX/2018 for a {$10.00} purchase and any and all transactions after that date were unauthorized.
The XXXX agent I spoke to on XX/XX/2018 assured that all the transactions would be reversed.
But on XX/XX/2018, I received a notice from " XXXX XXXX XXXX '' saying I owe XXXX {$1400.00}. I called XXXX again the same day and asked why I received the notice. The XXXX customer service agent said she has filed another case and all the transactions would be reversed.
On the morning of XX/XX/2018, I saw that the transactions were noted as reversed but the account balance on the XXXX account still shows - {$1400.00}.
Whenever I try to call XXXX customer service, after providing the information needed to validate the account, the automated phone system states that the account has been placed with a collection agency and I need to contact them directly and it redirects my call to them. It does not allow me to talk to XXXX customer service.
|
| 06/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to XXXX that was outstanding. This debt was attempted to being collected by Convergent. At this time, I checked my XXXX account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to Convergent disputing the debt.
Convergent replied back on XX/XX/XXXXwith a packet that stated the debt was valid. There were many details that were suspicious.
First, in the packet from Convergent, there was given a " XXXX XXXX Account Number '' which I did not recognize. In fact, XXXX says on their website that they do not give account numbers, rather accounts are identified by associated email addresses.
Second, there was given an " Account Creation Date '' that is very recent. I opened my XXXX account much earlier than that and I have statements recording purchases in XX/XX/XXXX.
Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my XXXX statements.
Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.
|
| 05/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/XXXX I obtained a copy of my credit reports and noticed that XXXX XXXX was reporting a derogatory entry to the bureaus. Prior to this date, I had not received any documentation from this company informing me of the alleged debt. To that end, I drafted a dispute letter to them ( see attached ) whereby I was in essence disputing the validity of the alleged debt they inserted on my credit reports. I requested that they provide me a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges, and date of charges posted, copies of any papers that show I agreed to pay what they were alleging I owed. To no avail. I did not receive any communication from them.
In XX/XX/XXXX, I again disputed this account with Convergent requesting they provide the aforementioned information. Again, to my dismay, I did not receive any correspondence from the company. I then disputed with the bureaus again, only for the accounts to be verified. I am confused on how the bureaus are able to receive a response from them but I am not. My communication was sent certified with a return receipt and they have been in receipt of both letters, yet choose to not respond.
These entries appear to be unverifiable, untimely and inaccurate ; therefore, they should IMMEDIATELY BE DELETED FROM MY REPORTS!
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| 01/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Several times this week, I started receiving a call from an unknown number. I called the number and was told that it was in reference to a personal matter. I asked for the company name and was informed it was a company by the name of Convergent. While speaking with the representative, I looked up the information on the website. It was at this point that I realized that I have spoken with them several times over the last 2 years, inquiring about several different people ... .none of whom I knew. When I asked how they received my number, they hung up the telephone or said hold on and never would return to the telephone. After calling several times, I was told that they were in error and that my telephone number was taken out of their system. As of this week, the calls have resumed. When I asked to speak with a manager or supervisor, I was again placed on hold. When I hung up and called back, there was a message stating that they were closed. This same company continues to contact me with various names and from several different telephone numbers. I am once again blocking this telephone number, but it's just a matter of time, before they start again, from another number.
Convergent clearly needs to be investigated and stopped. The random calls to unknown individuals, is absolutely ridiculous. They have given at least 4 different names over the last 2 years.
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| 07/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Hi I am writing this complaint against XXXX and XXXX. XXXX and XXXX both said they verified a Fraudulent Convergent Outsourcing collection account on my credit report.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I have also attached the correspondence I have rec-ivied from XXXX and covergent.
I have also attached my ID so XXXX cant falsely say I hired someone to dispute these for me.
I also want XXXX to know I have filed a complaint with the Attorney General Office and my next step is litigation
|
| 06/28/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I was cancelling my service with XXXX in the first couple of days of XX/XX/XXXX.I asked what amount I owed for the few days of the month of XXXX. The lady told me that they could not compute that prior to the next month 's billing and I would at that time be billed only for the pro rated amount due. When I received a bill it did not have a pro ration. I called then told me they would correct that. When yet another bill came out, it showed a credit for that next month for approximately 90 % of the bill, BUT THEY SHOWED THAT THE ACCOUNT HAD BEEN CANCELLED IN A PRIOR MONTH, AND THEREFORE THE CREDIT WAS GIVEN AGAINST XXXX OWED, AND THEN I WAS BILLED ON THAT SAME BILL FORM the full amount of the previous month, it was shown as over due. ( That would be the month that the credit should have applied to, and it would have shown the correct amount due, and it would be the first time that I was given these figures and therefore could not be considered over due. I wrote a letter which has now been sent to different addresses for XXXX. I have never had a response to my letter, instead I have received pre recorded credit collection calls, the same one approximately six times per day. None of those were ones I could give this complaint to. One call did come in I could not get the number to call which referred to my letter, But no one was repeated where I could answer.
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| 09/01/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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on or around XX/XX/2021 I switched phone providers from XXXX to XXXX. I called XXXX to see balance owed if any. I was told by a XXXX rep that if i sent in the phone and paid {$150.00} that would end my obligation to XXXX. I did as instructed. return kit sent. mailed phone. paid {$150.00} to the XXXX rep over the phone.. who stated he worked where returns come to.. verified mine was checked in ... ( XXXX XXXX ) .. transaction complete so I thought.. I discover.. with no warning.. XXXX contacts a collections agency @ 4 months later saying I owe {$150.00} and reports it to all 3 bureaus. XXXX has since removed it based on my dispute. XXXX and XXXX I cant ( why I dont know ) is not allowing me access to my own credit file to dispute this. XXXX knows this is fraud. they've done the same to my wife. this matter is paid in full and they have NO credible proof its not. I would like XXXX to remove this from my credit and if by some miracle the payment i made was lost or stolen i would pay again because this mess caused my credit score to drop a avg of 25 points across the 3 bureaus. my credit score matters to me.. paying {$150.00} twice is hard to accept for me but in the big scheme of things ... regular citizen versus XXXX XXXX corporation.. for me and my family its what im forced to do if collection is removed first. because proving this XXXX cant do
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| 12/14/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Older American |
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I was contacted by mail by a collection agency on XX/XX/XXXX about a debt they were attempting to collect of behalf of XXXX , XXXX . The debt was in the amount of {$700.00}. After confirming with XXXX that my account had a XXXX balance, I contacted the collection agency and informed them that it was a result of fraud as I was the victim of identity theft in the spring of XXXX and that I was still dealing with many cases of fraud by people using my personal information. The agent agreed that they would close the case and I received no further notices from them. Then I received a notice from different collection agency on XX/XX/XXXX about the same XXXX debt of {$700.00}. The XXXX account number listed on the notice was the same as the one in XXXX. I contacted the XXXX collections department and the agent there confirmed that my account has a XXXX balance. She looked up the account with the XXXX debt, but said that the personal information ( phone number and email ) did not match and would not give me any more information about it. It is obvious that someone has opened a XXXX account using my name and XXXX is continuing to attempt to collect the debt from me even though they admit I owe them nothing. The collection agency that sent me the latest notice is : Convergent Outsourcing , Inc . I am attaching a copy of the notice with their contact information.
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| 01/09/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I had a XXXX XXXX XXXX XXXX XXXX account that was charged off. I spoke with XXXX XXXX in XXXX of XXXX and agreed to a settlement of {$770.00} to be paid by XXXX XXXX, XXXX. I was told a letter confirming this settlement agreement would be sent out within 10 business days and I went ahead and paid {$150.00} towards this agreement on or around XXXX XXXX, XXXX. On or around XXXX XXXX, XXXX I contacted XXXX XXXX again to inquire as to where the letter confirming our agreement was and that I was hesitant to make payment to them without confirmation of the agreement. I did not receive a letter.
On XXXX XXXX, XXXX I contact XXXX XXXX again and told them I was upset that I did not receive the initial letter and that they had made it frustrating to repay my debt. They offered to settle the account for {$650.00} to be paid by XXXX XXXX, XXXX, an amount that is higher than what I originally had remaining to be paid. I request XXXX XXXX send me a letter confirming this agreement and again raised concerns about not receiving it the previous time.
I never received the letter and on XXXX XXXX, XXXX I received a letter dated XXXX/XXXX/XXXX from a XXXX XXXX indicating they had been hired by XXXX XXXX to collect an outstanding balance of {$870.00}. This initial demand letter I believe violates several portions of the FDCPA as does XXXX XXXX 's misleading actions.
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| 06/01/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I made a complaint against this company on or about XXXX XXXX , 2017 with regard to my XXXX bill. On that same date they responded through this portal with a response and a name of an individual with whom I was supposed to contact to have this debt resolved. Thereafter, on XXXX XXXX , 2017 , I sent a letter to the FCC, XXXX XXXX as well as Convergent advising them that the name and number of the person that Convergent requested for me to speak with NEVER called me back and that I NEVER spoke with her. Thereafter, I was in contact with someone from XXXX Headquaters via email and telephone to advise her tha t Convergent has not called me to rectify this debt. When the XXXX XXXX called Convergent, they lied stating that they have called me and left me several messages which they had not. I forwarded the XXXX XXXX my call logs as well as voicemails. Thereafter, after approximately 2 w eeks of back and forth with the XXXX XXXX I requested if I could pay my debt directly through XXXX , which I did on XXXX XXXX , 2017 . Please also note, that I checked my credit report yesterday a nd Convergent report ed this debt as not being paid or disputed on XXXX XXXX , 2017 when they knew and had knowledge of the fact that I was calling them to rectify this matter. I would like to information on how to sue this company.
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| 02/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I wrote Convergent Outsourcing who are associated with XXXX regards to an a account in collections on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX asking for a debt Validation. On all 4 attempts they refused me of a debt Validation and Verified the debt. Debt validation and verification of debt are two different requests. As a consumer I am entitled to a validation. In all for of my letters I specify that I want a validation and not a verification. I wrote it in English words. Also they are reporting on my credit profile that day opened for the debt was XX/XX/XXXX which is not true account was opened XX/XX/XXXX of XXXX. The day opened should not go off when Convergent received the debt, date opened should go off when the actual debt was opened. That is called Re-Aging the debt. As a consumer I am entitled to validation which was not given by Convergent Outsourcing or XXXX on 4 different occasions. As a consumer I am entitled to factual & truthful information to report on my credit profile according to FCRA. The 45day day mark has come & gone for the company to validate the debt. Its XX/XX/XXXX and the company has yet to validate the debt since I first wrote them on XX/XX/XXXX. I have all the paper work Ive sent them and all the paper work they sent to me and the 2times they responded they responded with debt verification which is not a validation.
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| 07/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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To whom it may concern, I would like to report a complaint against Convergent Outsourcing for not following with their promise to remove a collection item from XXXX and or all Credit Reports.
This account was paid in full on XXXX of XXXX in the amount of {$260.00}, before processing the payment of the entire balance. Myself and Convergent Outsourcing had agreed that once the account was paid in full, Convergent Outsourcing will then remove the collection items from all credit reports : XXXX, XXXX and XXXX.
The collection item was successfully removed from XXXX and XXXX around XXXX, XXXX & XXXX of XXXX. However the collection item is still present on XXXX.
I have reached out to Convergent Outsourcing multiples and spoken to several employees that have promised me the removal of this item. I have been calling Convergent Outsourcing consistently since the XXXX of this year and have followed up every month checking in for an update.
I lastly spoke with them on XX/XX/XXXX and they promised me that this situation was going to be resolved and the removal of the collection item, which is hurting my credit score. Today I received an update from XXXX regarding my dispute of this item without any success. As you can imagine, I am simply looking to get this matter resolved and the removal of the collection item as agreed with Convergent Outsourcing.
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| 09/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had an account with XXXX XXXX in XXXX XXXX Pa. I owed XXXX. There were excessive overdraft fees on my account. I called main office in RI and received a credit for this amount after several phone calls from them not acknowledging the proof email of the credit, I wanted no problem and wanted to " wash my hands of them ''. I started to make payments on what I owed! I made a payment of what all was required of XXXX then XXXX then XXXX then XXXX then another XXXX. Total of XXXX. I checked the balance and found not one of these payments were showing! I was furious. I called and was told the account was already paid and closed. The credit showed for the XXXX I was credited. Though what happened to the XXXX I paid. I asked if I'd get it back. They said payments were not showing at all. I reported them all over with no luck. They sent me then to collections and I mailed proof! The collection stopped. Now I received collection from Convergent Outsourcing and have to mail proof here too. Who pays me for all my time to do all this? I disputed the amount of XXXX with XXXX and experience many times with no luck. I even sent or mailed proof. No luck! They are constantly being sued over charging their customers excessive fees and charges. It's in XXXX right now. When will they sue them in my area? They refuse to accept the credit they gave and my payments I made.
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| 04/04/2017 |
Yes |
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- Incorrect information on credit report
- Account terms
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|
Web |
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On XX/XX/2016 I contacted Convergent Outsourcing Inc. to settle a debt that was not listed on my credit report at all. I spoke to a rep and she explained to me that the settlement is for {$270.00}, which by paying this amount the debt would be considered paid in full and it would be cleared up. I paid it and within the same day I received an alert that they changed my account twice ( they duplicated the payment and my credit card company reverse one of the transactions ). I thought everything was over, but in XX/XX/XXXX I received an alert from my credit monitoring app that Convergent Outsourcing Inc. is reporting this account to all XXXX credit bureaus as a unpaid account. I contacted Convergent Outsourcing and spoke to two different reps ( XXXX XXXX and XXXX XXXX ) and I explained that I paid this debt 6 months ago I have the confirmation and credit card statement to show that I paid it. I also asked both of them why did the company post this account to my report if I paid the account 6 months ago, neither one of them could explain to me what happen. The dishonest from this company and their reps and completely uncalled for. They should be able to report anything to the credit bureau if the account was paid and settled 6 months ago. This account needs to be deleted and an investigation needs to be done to see why this company is scamming customers.
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| 04/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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The first conversation with Convergent Outsourcing Inc. was done on XX/XX/XXXX at XXXXXX/XX/XXXX. The debt amount was for {$2300.00}. Talking with agent, she said they will accept {$730.00}. I did not have that amount available at that time. Therefore, I called the next day, Tuesday XXXX of XX/XX/XXXX. I spoke with an agent and we agreed that I was going to pay the {$730.00} the amount that I had talked with the other agent the day before. When I was ready to pay he asked for my bank number or debit card. I wanted to pay with a cashier 's check so I had the cash on hand. I told the agent I had to go to the bank to deposit. At the bank I talked to the staff and they let me know that the fact that Convergent did not want to accept a bank cashiers check raised a red flag.
I then proceeded to call back to Convergent to let them know that I would be paying the amount of {$730.00} using a cashiers check. I told the agent I was not comfortable giving my bank account or debit card. I was concern with fraud issues. I wanted some paperwork for my records. I also asked for a letter or email that stated in writing that Convergent had agreed to the amount before I send payment. They refuse to send me any letter or email that they would accept the amount as paid in full. And that the only form of payment was with back account, debit card, or personal check.
|
| 01/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I received a letter from Convergent Outsourcing , Inc. on XXXX XX/XX/XXXX stating that I owed XXXX XXXX {$170.00} I wrote Convergent Outsourcing , Inc. a debt validation letter and mailed it to them certified mail with return receipt ( certified number XXXX ) on XXXX XX/XX/XXXX. To this date ( XXXX XX/XX/XXXX ) I have not received the return receipt, nor any correspondence from Convergent validating the debt. The letter Convergent mailed stated that if I write to them by XX/XX/XXXX, they must stop all collection until they show information that shows I owe the debt.
I believe Convergent has deliberately not responded to my validation request so they can apply this unvalidated account to all my credit reports, which they have done because XXXX days ago I was notified that the account now appears on all three credit reports. I contacted XXXX XXXX on XXXX XX/XX/XXXX, and, per a legally recorded phone call with a XXXX representative, verified the account number I had with XXXX is NOT the same number Convergent is claiming is mine, and I do not owe them any money. If anyone needs to hear the phone call recording, please contact me and I will be happy to play it, or if there's a way to upload it, please show me how and I will gladly do it.
I would like this unvalidated, incorrect, derogatory immediately removed from all three of my credit reports.
|
| 09/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have tried reaching out multiple times to XXXX and XXXX along with Convergent Outsource to get this situation fixed as they are reporting this account that I do not recall. Continues reporting inaccurate as this debt is not mine. XXXX stated over the phone that they couldnt do anything about this debt as it does not belong to them anymore. So I just kept trying to work it out with collection company nd bureaus. Reporting inaccurate date lest active. Reporting a balance of {$640.00} when account has been transferred. re-aging pushing back the data count should fall off. consecutive charge of as if it was some sort of payment method. I have asked for verification on debt any document that provides my signature stating debt belongs to me.
I asked to provide a method of verification on and how and where they are getting information from because they continue to report incorrect. I have been answered with the statement bill on this account. this does not provide my signature and does not mean debt is mine. I have actually tried to offer a pay to delete on this debt not because I believe debt is mine. But, because I have tried multiple times to fix the situation. Account is hurting and holding me back from obtaining credit and I need it to get removed immediately. I offered a 60 % on the step as a settlement but I have not heard back on my offer.
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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I received a collection mark on my XXXX credit file from Convergent Outsourcing for {$390.00}. I sent Convergent Outsourcing a debt verification letter via US mail. This letter requested documentation of proof of debt, a copy of the original written agreement between the parties signed by me, a bill of sale or any documentation proving I have a legal responsibility to Convergent Outsourcing. They were not able to provide such documentation.
Convergent Outsourcing sent me a copy of what appears to be bill from XXXX. The did not provide me any documentation with my signature or proving I have a legal responsibility to Convergent Outsourcing.
On XX/XX/22 I responded to Convergent Outsourcing that they did not provided sufficient proof of debt and to remove the collection from all credit reporting agencies or be in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Fraud and Defamation of Character.
I opened a dispute on XXXX Credit Bureau regarding this collection, sharing all the information I requested and the legal requirements Convergent Outsourcing needed to provide for proof of debt ownership and validation. Since convergent is not able to provide the legal documentation, XXXX is required by law to remove the collection from my credit file. XXXX has not removed the collection from my file
|
| 07/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/19 i transferred my XXXX account to a new account. The phone representative told the XXXX store representative that in order for them to authorize the transfer I had to pay a final balance from my old account for {$44.00}, which I paid immediately at the store. On XX/XX/2019 I received a letter from a collection agency saying that I own XXXX {$29.00}. I contacted both the collection agency and XXXX, I asked them why they never sent me a bill and why they transferred me to a collection agency if I had already paid my final balance as the representative stated on XX/XX/19 and I already started paying phone bill in the new account. The representative and the supervisor keep arguing and acting rude and sarcastic. The supervisor implied that if I don't paid the " hidden charges '' I could damage my credit. They were not professional and unable to explain why they never sent me a bill before but they just transferred me directly to a collecting agency, which makes XXXX a not reputable company, since they put their clients in risk of harming their credit fo no reason. And I can not keep paying their mistake of paying my old account and new account which will be a duplicate charge if I already paid off the final balance from the old account. What they actually want from me is making me pay twice for my phone bill which is an unfair practice.
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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Upon careful review of all XXXX credit reports I found a company named CONVERGENT OUTSOURCI listed in my reports attempting to collect a debt on behalf of XXXX . Under the Fair Debt Collections 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, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im 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 and federal agencies. In addition to the questionnaire below, please attach copies of : 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 agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any judgments been obtained by any creditor regarding this account
|
| 09/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Collection Company They committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations.
I have never give them a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.
I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
I need them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.
Send me proof that you are licensed to collect debt in my state.
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.
I have disputed the alleged collection with XXXX and XXXX several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.
|
| 11/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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I bought a XXXX phone on XXXX XXXX, XXXX with a down payment of {$51.00} and returned it on XXXX XXXX, XXXX becasue it did not work as promised. XXXX charged my XXXX card {$5.00} for the data usage for two days. XXXX also charged my card {$50.00} for a " restocking fee. '' I disputed the restocking fee with both XXXX card and in an email to XXXX XXXX at XXXX. I have been contacted by XXXX XXXX of XXXX, who emailed me on XXXX XXXX that my account with XXXX is now closed with a XXXX balance. She said she sent me a prepaid card for the refund of {$50.00}, which I 've not received. On XXXX XXXX, XXXX I emailed XXXX back to ask why she could n't just apply the {$50.00} refund back to my XXXX card. I got an email from XXXX XXXX that said she would be out of the office until XXXX XXXX, and I should communicate with XXXX at XXXX. I forwarded my latest message to XXXX and received an email saying he will be out of the office untilXXXX. While the emails between me and XXXX went back and forth, XXXX has sent me bills for {$51.00}, {$100.00}, and a " final bill '' for {$76.00}.
Yesterday i received a notice from a collection agency, Convergent. regarding the {$76.00}. It is not a legitimate debt. My relationship with XXXX was for less than 48 hours. The phone was returned. There was never a contract. On request, I can mail copies of bills, emails etc.
|
| 08/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
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To Whom it May Concern I have right to privacy under FRCA LAW I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified 1. Provide validation of the debt, that is, the actual accounting.
2. Verification of their claim against you, that is, a signed Invoice.
3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.
Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary
|
| 12/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As of XX/XX/2021 Convergent outsourcing inc., is committing fraud based on the fair reporting act. On XX/XX/2021 I turned {$350.00} of equipment to XXXX XXXX. They are claiming I owe {$410.00} for services and {$350.00} for equipment. I have already turned in the equipment and XXXX XXXX has accepted the items, convergent refuses to get in touch with their client, and are committing fraud by false reporting for the last XXXX months since XX/XX/2021. Here is my proof, If Convergent continues to commit fraud, I will have no choice but to seek legal recourse. I already filed a complaint with your agency ( CFPB ) on XX/XX/2021 but because of your computer system freezes when trying to add supporting documents over the phone, I believe that is why the first dispute was closed. Please ask Convergent Outsourcing why they refuse to get in touch with their client. I believe Convergent Outsourcing is committing fraud by not reporting accurately. I believe on behave of their client they are reporting inaccurately because they want the money for the equipment and not the actual equipment. I'm not going to pay for equipment I already turned in per my proof in the receipt. If they want me to pay for the equipment instead of turning it in like I did then that means that equipment is my tangible property they are in possession of, That is THEFT AND FRAUD.
|
| 09/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Re : Account number XXXX This letter is sent in response to [ a letter/phone call ] I received on [ XXXX ]. I am requesting that you provide verification of this debt.
Please send the following information : The name and address of the original creditor, the account number, and the amount owed.
Verification that there is a valid basis for claiming I am required to pay the current amount owed.
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.
Please also note whether this debt is within the statute of limitations and how that was determined.
Please verify original contract with my signature Also verify original creditor account number Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Sincerely, XXXX XXXX
|
| 05/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I received a letter from XXXX XXXX ( see attached ) dated XX/XX/XXXX. I followed up with this company disputing the entry they placed on my credit reports. This company did not send a dunning letter prior to placing the entry on my credit report. This is a direct violation of my consumer rights. Additionally, it did not allow me the 30 days as mandated by consumer law to dispute the validity of their inaccurate entry. In my letter to them ( see attached ), dated, XX/XX/XXXX, I specifically requested that the provide me validation of debt and not verification of the debt.
Convergent responded with the exact information that they sent to me on XX/XX/XXXX ( see attached ). I requested the following : An agreement that states their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable, verification that this debt was assigned or sold to collector, complete accounting of the alleged debt and name and address of the bonding agent for this collection agency in case legal action becomes necessary.
Convergent failed to deliver the information, yet they continue to violate my consumer rights with the reporting of this entry. This item should be DELETED immediately from my reports.
|
| 04/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XX/XX/XXXX, I spoke with XXXX at XXXX who switched my account to a different model for better pricing. I asked her at the time if there was any penalty if I had to cancel. She said no penalty as long as I was moving somewhere where there was no XXXX service. I moved from XXXX to XXXX, NC in late XX/XX/XXXX. I informed XXXX in XX/XX/XXXX that I would be moving and that the apartment I was moving to only gave me the option of XXXX. I gave them the address and phone number to verify. On XX/XX/XXXX, XXXX from XXXX indicated there would be no early termination penalty since I had no choice in the matter. Since then I have been harassed by three collection agencies. The first was XXXX XXXX, XXXX in XXXX, MO. The second was XXXX out of XXXX, IL. I wrote certified letters to five executives at XXXX. I asked for proof either in writing or to get a copy of the recorded call with XXXX of the early termination charges. I was told by XXXX on XX/XX/XXXX, I would have to go to court to get this. I just received another letter and several phone calls from a third collection agency, XXXX XXXX. This is NOT verifying that I owe the charges they claim. I want this harassment from XXXX and XXXX to stop IMMEDIATELY. They must provide in writing that I authorized these charges which they will not and can not do. Thank you for your assistance in this matter.
|
| 05/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2017 I received a credit alert from XXXX and it informed me that a collections from XXXX XXXX was added to my credit report in the amount of {$360.00}. I called the collection agency who never identified themselves as a collection agency and spoke with a customer service representative. They stated that I had a balance owed from XXXX and they were hired to collect the balance. The informed me that they had the account since XX/XX/2017, but they never sent any notification or request for payment. I informed them that I did not owe a balance to XXXX and asked them to remove this collection from my credit report. The customer service rep stated that Convergent did not own the account but they would dispute it. This called was made on XX/XX/2017 at approximately XXXX on a recorded line with a rep named XXXX XXXX . At XXXX XXXX, I contacted XXXX and inquired about the balance. I spoke with XXXX at the call center who researched my account and saw that I had no balance.. She stated that XXXX does not work with XXXX XXXX and was concerned about how they obtain my account information. XXXX agreed to provide me a letter within twenty-four hours via email to provide proof that I do not owe this debt and that they have no relationship with Covergent.
I was informed that this may be a scam of some sort and XXXX is investigating this issue.
|
| 11/29/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX XXXX Account # XXXX Property addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX In XXXX my wife and I decided to get an apartment so we could be closer to work. XXXX XXXX XXXX was our electric provider and XXXX was the cable provider for this place rented in XXXX of XXXX.
We own XXXX houses in the XXXX area XXXX bought in XXXX another in XXXX have attached mortgage statements and water bills for both proving these were current addresses.
Throughout the week we would bounce from house to house or apartment. Living at all XXXX.
As XXXX went on we found the apartment at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX which XXXX XXXX XXXX was our electric provider. Was just too expensive to maintain.
We worked out a move early with the apartment complex and our move out date was XXXX.
I mailed documentation to all our service providers on XX/XX/XXXX including move out statements.
I just learned I was charged an early cancellation fee from XXXX XXXX XXXX that was incorrect.
I called and settled on my last bill and was told by representatives that they would put notes and remove the early cancellation fee as well as remove this reporting from my credit report.
Please send documentation that is false reporting is removed immediately and send too XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX Tx XXXX XXXX XXXX
|
| 04/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing has a collection reporting to XXXX, XXXX and XXXX that isn't mine!! I have never lived at the address associated with the account in dispute! I had this removed over a year ago, due to identity theft. Now its back on and came back verified. They haven't provided proof that the debt is mine ( binding contract with me or cox ), nor a proper investigation to verifying said debt.
Under the FCRA, any inaccurate information must be removed from my credit report.
They are also, in violation of laws under 15 U.S.C. 1681 Section 602 A- which states that I have the right to privacy.
15 U.S.C 1681 Section 604 A section 2- states that a consumer reporting agency can not furnish an account without my written permission.
FDCPA : 22 ( f ) Restrictions on use of certain media.
Paragraph 22 ( f ) ( 2 ).
1. Language or symbol. Section 1006.22 ( f ) ( 2 ) provides, in relevant part, that a debt collector must not use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by mail.
I have disputed with all 3 credit bureaus, XXXX XXXX XXXX and the Oklahoma Attorney General. I need this resolved as quickly as possible. Please make sure this company is in compliance with my rights as a consumer and takes off all false and negative information from all 3 credit bureaus.
|
| 02/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I tried the " Home Internet Service '' from XXXX. I was told I had 15 days to " try out '' the service free of charge. The connection was terrible. On day 8 of the " Trial Period '', I returned the WiFi antenna back to XXXX, with the XXXX shipping XXXX XXXX sent me, after 7 days of trying to get the XXXX shipping label from XXXX. I took a picture of the box and sticker when I took it to the XXXX drop box office. Ever since then, XXXX has been attempting to collect {$350.00} for a mobile number they assigned to the WiFi antenna upon setting it up when it arrived, even though I had already returned the antenna back to them, withing the trial period. I sent them a " Cease and Desist '' letter on XX/XX/2023, via Certified Mail, attached.
On XX/XX/2023 I received a letter from Convergent Outsourcing, a debt collector. Their address is : Convergent Outsourcing, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX. Reference # XXXX. This letter was to notify me that they were attempting to collect on the XXXX XXXX {$350.00}. I replied to them on XX/XX/2023, well before their XX/XX/2023 due date to notify them I was going to dispute the collection, simply because I did not owed XXXX or them, anything, period. I also sent the response and documentation via Certified Mail with copies attached to this complaint to the CFPB.
|
| 04/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Convergent reported inaccurate information to the credit bureau on XX/XX/XXXX and XX/XX/XXXX 14 days apart not a full 30 days apart, the balance dates were different and the amount owed was different as well. Please see highlights in file. This caused my credit score to drop drastically by 65 points right in the middle me closing on a home, which in turned raised interest rate to a point where I did not feel comfortable accepting. I was so alarmed that I called Convergent immediately to clear up any balances without them verifying the debt because I just wanted it paid and removed from my credit report. Once I contacted them I was told by one of the agents that it would be deleted from my report within the next 30 days. This did not happen, this account still remains on my report. Convergent is in violation of 15 U.S. Code 1692e at this point for false or misleading representation. I have called them several times and asked if they would remove it and their answer is always no. I am continuously being quoted higher interest rates because of this paid collection. I would like this collection account deleted from my credit file, so that I can obtain a fair and reasonable interest rate on the purchase of my home and other credit purchases. The debt has been pay why is is still showing in collections on my credit profile. Please delete
|
| 06/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In XX/XX/2018 Convergent Outsourcing contacted me about what turns out was an old XXXX bill for {$750.00}, which was incorrect way back a long time ago. I told the representative, who sounded foreign, that I do not owe that because it was discharged several years prior because I had contacted XXXX a long time ago and they told me it had been discharged. He began to raise his voice and tell me I was wrong and yell. I told him I wasn't paying it and they need to remove it because it should not be on my credit report. He kept talking over me and threatened to report it on my credit, which they did immediately. I told him not to ever call me or contact me in any way again. Since then, it keeps getting reported to look like there are late payments and at first glance it looks like it's an account that was opened in XXXX of 2018 because they actually had reported it then. It has been updated every month since XX/XX/2018 and looks like late payments. I do not owe these people and I want it removed from any credit bureau they have reported it to. I was so upset after this guy 's harassing call, I was in tears. I have enough on my plate with health problems and stress in my family. Please, please help me get this removed. I have read other peoples ' issues in dealing with this company and some are very similar to mine and worse. Thank you.
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have contacted these companies multiple occasions. As told by my realtor, this is making it very difficult for me to purchase a home for my children. These companies are in direct violation and I am seeking legal action.
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!
Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAl Cubiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates.
I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
NO CONSENT IS IDENTITY THEFT.
As a consumer I amdemanding the deletion of the accounts listed IMMEDIATELY!
XXXX XXXX XXXX XXXX Convergent Outsourcing XXXX XXXX XXXX XXXX
|
| 03/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I sent a certified letter in response to a listing on my credit report pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) for a claim for disputed and validation is request.
I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in the matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
I asked them to please also provide the following information for my records.
What the money you say I owe is for.
I also need evidence of the original debt that bears my signature, as well as a complete account history, including any charges added for collection activity.
Provide me with copies of any papers that show I agreed to pay what you say I owe Lastly, Im requesting evidence of your authorization in this alleged matter.
I asked them to provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. Instead, they sent me a computer print-out that does not even have my signature. My point is that they have failed to prove this account is mine. I did not request a " verification '' that they have my mailing address, I requested a " validation ; '' that is, competent evidence that I have some contractual obligation to pay them.
|
| 06/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company called Convergent Outsourcing popped up and appeared on my XXXX credit profile and posted a debt XX/XX/XXXX. They never previously sent me any mail as an attempt to collect a debt. I never had any contract with them. They state on my XXXX report that XXXX is the Original Creditor which automatically makes Convergent Outsourcing a 3rd party Debt Collector. I owe no debit to them. There is no contract.
I sent them and Affidavit OF Truth on XXXX XXXX XXXX and got it notorized at a local XXXX XXXX Bank by a Banker. Convergent sent me a copy of a bill statement, no contract and or rebuttal to my Affidavit. I am providing the Affidavit in the attachment i sent to Convergent, before XXXX XXXX notorized it because i forgot to make a copy after i got it done.
My Affidavit stands as truth in a court of law. This is an illegal practice. This company violated my right to privacy according to the Privacy Act Of 1974. This company is hurting my ability to get loans, a car and credit cards at fair low interest rates which is oppressing to me and highly stressful. Them remaining on my Consumer Report is constant harassment.
15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt
|
| 05/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good evening i am contacting CFPB in regards to a company who continues to send me letters regarding a debt that i already paid. XXXX XXXX XXXX t hrough the creditor XXXX has been sending me letters for years asking for a {$690.00} payment for a debt. They stopped in the past but started sending these letters again in XXXX , particularly in XXXX of XXXX . The latest letter i received from them was on XXXX XXXX XXXX . I already paid this debt before to XXXX before it first went to collections but they did not acknowledge any of this. I have contacted them numerous times to mention this but it continues to fall on deaf ears. Can this please be sorted out and can i be helped with having this deleted from my credit report? I should not have to suffer because of a debt that i myself paid already. I think what they did years ago in the past was after i paid it before it went to collections they sent it to another collection agency. This has greatly damaged my credit score. Not only that but I have attached pics of one t ype of letter they normally send to me. Also if this can be taken care of can the collection agency please be asked if they remove it, that they can report it to all XXXX credit agencies ( XXXX , XXXX , and XXXX ). If this can be done it would be greatly appreciated.
|
| 09/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is CONVERGENT OUTSOURCING # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA XXXX FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXXI need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 06/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CONVERGENT OUTSOURCING, INC. has never contacted me in writing regarding this time-barred debt. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred. In XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX [ XXXX XXXX ] and in XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX [ XXXX. XXXX ], and its progeny, the courts have consistently held that FDCPA claims are viable where they are premised on a debt collector 's knowing attempts to collect time-barred debts. In these cases lawsuits were filed to collect the debts or lawsuits were threatened or " further collection action '' was threatened. That is precisely what defendant has done here. Defendant knowingly and fraudulently transferred a prescribed debt onto another account then refused to heed disputes by plaintiff and his counsel. Worse yet, defendant has initiated collection actions, including dunning plaintiff, based on the new account which balance is solely consisting of the prescribed account balance. This plainly falls under the further collection action prong of this analysis. It is fairly settled law that filing suit on a time-barred debt is a clear FDCPA violation. The seminal case is XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ). Also :
|
| 01/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My home building contractor and I received a utility bill from XXXX XXXX XXXX which had a total balance due of {$26.00}, however when I logged in to pay it showed a balance of {$430.00}. I called to sort this out, and according to the bill I had in hand and also the one that they had in their system there was a credit of $ XXXX in the " other Charges or Credits line item. The previous statement balance was {$400.00} which with the credit applied equaled {$26.00}. For some reason the system was adding the previous balance and current balance together for the current total. The person on the phone stated they saw the discrepancy and would look into it, but it required getting in touch with someone who was not in the office, so they said they would call me back once they did some digging/resolution. I never received a call back, but instead received a collections letter. On top of all of this they originally sent the bill to the wrong address in a town 80 miles from where I live. I disputed the collections, and they sent me a letter again saying the charges were valid with a copy of the bill that had a total charges due of {$26.00}. At this point I feel I do not have enough evidence to verify the charges they are claiming. I would like to file this complaint on both XXXX XXXX XXXX, and the collection agency XXXX XXXX XXXX.
|
| 07/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a reduced balance pay off opportunity from Convergent Outsourcing regarding a XXXX account. I wasn't aware of any debt with XXXX and by extension wasn't aware of any debt with convergent outsourcing. I sent a very detailed letter to Convergent on XXXX XXXX requesting validation. I requested several documents to validate the debt one of which included a original contract bearing a signature ( see attached letter for full details ). Convergent was not able to produce an original contract or any contract at all. Instead all that was provided was a bill. Which was not sufficient.
In addition, Convergent outsourcing has violated my consumer rights under the FDCPA. I was not informed of my right to request validation, I was not informed that unless I dispute the validity of the debt within 30 days it would be assumed to be valid. Particularly Convergent outsourcing violated 15 USC 1692g ( a ) ( 4 ) and 15 USC 1692g ( a ) ( 5 ). This was not provided in there initial communication nor 5 days after initial communication as stated by law ( also attached ).
Convergent outsourcing provided a document containing the states within which they are licensed to collect ( attached ). The state of Florida is not listed and therefore they are also illegally attempted to collect a debt in a state which they aren't licensed.
|
| 09/17/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent XXXX XXXX a request for validation letter. I specifically asked the company to provide me with 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.
The company did not provide the name and address of the bonding agent for <> in case legal action becomes necessary. This claim can not and WILL NOT be considered since they failed to complete and return copies of all requested documents made pursuant to the Fair Debt Collection Practices Act.
I am requesting XXXX XXXX delete this account from my credit file. Failure to do so will result in legal action against the company.
Respectfully, XXXX XXXX. XXXX
|
| 05/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I first received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, and responded in writing on XX/XX/XXXX requesting more information about this alleged debt they claim I owe. XXXX XXXX, XXXX received this letter by Certified Mail on XX/XX/XXXX.
I received a response, with a letter dated XX/XX/XXXX, stating that this debt is indeed valid and have included a supposed Verification of Debt which looks like a made up letter. On XX/XX/XXXX I then proceeded to contact XXXX, the original creditor, and talked to a XXXX employee ID # XXXX. She stated by phone, which was supposedly recorded, that she will mark this account in her records as fraudulent and that I should receive something by mail and then guided me to FTCs website to file an Identity Theft Report which I later did.
Ive never received any correspondence from XXXX or XXXX. I then mailed XXXX XXXX, XXXX another letter on XX/XX/XXXX after my phone call with a XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX I also mailed them a letter from FTCs website asking them to stop all collection activity yet they continue to ignore my letters that I am a victim of identity theft as this account is not mine. XXXX XXXX, XXXX is still continuing to collect on a fraudulent account and keep mailing me the same document over and over. All copies will be uploaded here.
|
| 03/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recieved a variety of bills via mail from both XXXX XXXX XXXX ( {$5200.00} ) and XXXX ( {$120.00} ) in early XXXX for lines that were opened under my name without my permission or knowledge. I immediately filed fraud reports with XXXX XXXX XXXX and XXXX, a police report ( NYPD ), credit bureau alerts, and an FTC identity theft report.
No one from XXXX XXXX XXXX or XXXX responded to my online fraud submissions- even though both confirmation emails said they would be in touch within ( 5 ) business days. I was unable to reach anyone who could assist via phone at either company after multiple attempts. I was always directed to a line that was automated and sent me to the website to submit a report.
I then started to recieve collections notices - XXXX XXXX XXXX XXXX via XXXX XXXX ( XX/XX/22 ) and XXXX via Convergant ( XX/XX/22 ). These owed amounts should have never been sent to collections as they were fraudulent, and I reported them so. Negligence by the telecom companies to acknowledge my written documentation of fraudulent activity and to pass it off to collections agency.
Convergant ( XXXX fraud charges collection agency ) never acknowledged my confirmation that the charges were fraudulent ( XX/XX/22 ). My XXXXredit score took a major hit ( over 100 points ), bringing it from near perfect to " fair ''.
|
| 04/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
We switched carriers from XXXX to XXXX in XXXX 2016 due to excessive unresolved issues with XXXX. XXXX was offering a deal of paying up to " x '' amount of monies owed to previous carriers if signing a new contract with them. We took advantage of this deal to get out of our XXXX contract. With that said, we are now waiting for XXXX to send us our monies owed to pay off XXXX, which we have stressed to XXXX on multiple accounts. Our XXXX account was then bought by a debt collection agency Convergent who calls us multiple times daily. They call my husband multiple times through out a day and after so many calls, they switch to my phone number. Today, specifically, I made them aware that after calling my husband FOUR times before XXXX XXXX, and then calling my phone they are harassing us, in result of violating our rights per the Fair Debt Collection Practices Act ( FDCPA ) We have asked repeatedly to withhold further contact until XXXX has resolved this issue, and they still have n't let up. Today the representative told me my husband is lying, that they have NOT called his phone number, when in fact our phone records show that they have. I informed them I will be filing a complaint with CFPB as every single time I speak with them, they are rude and pushy. It has become excessive, annoying and beyond unnecessary.
|
| 03/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have receiving Collection notices from Convergent Outsourcing Solutions in reference account # XXXX XXXX XXXX in reference to phone # XXXX.
When I receive the first notification XX/XX/XXXX I contacted the company and disputed the debt along with sending e-mail to company explain I never had a cell phone in XXXX. I ask them what name was on the account and they told me XXXX XXXX with my social security #. I explain to them I never open a account and have been in XXXX for over 18 years and this was a fraud account. Two weeks later I received a bill from XXXX showing I owed {$370.00} and {$170.00}. I called them and explain to them I never had a account. They told me they would have their fraud department to call me and they never did.
I continue to receive this notification from collection agency after dispute. When speaking with XXXX they explain to me this account was open in XX/XX/XXXX-XX/XX/XXXX but never has sent me one bill in reference to this situation to current address, I ask them where was this bills go and why they never sent me a bill, they told me it went somewhere else but could not tell me where or explain to me what 's going on. ( very frustrating ) XX/XX/XXXX I went to apply for a loan and was turn down because of Collection activity now I know why.
Why was account open with NO FIRST NAME
|
| 06/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently filed a complaint XX/XX/XXXX against XXXX XXXX and this is the response I received : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$620.00} on their behalf. On XX/XX/XXXX, you spoke with an agent in our office and requested proof of the balance owed. The account was placed in a disputed status and collection efforts were suspended. OnXX/XX/XXXX, we mailed you statements obtained from XXXX validating the balance that they state is owed. Within the verification information we have provided is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to verification of debt. In response to your desired resolution, XXXX XXXX has closed this account in our office and returned it to XXXX. We will request that our information be removed from the credit bureaus. XXXX XXXX does not own this account, and therefore we are unable to guarantee resolution. If you have any further inquiries regarding this account please contact XXXX directly.
|
| 12/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I sold and item on XXXX a while back. The item worked as it should and had accessories with it. The purchaser stated that they wanted a refund and they where instructed buy XXXX to send the item back to me. When I got it all my accessories were missing. I spent hours on the phone with XXXX trying to resolve this and explaining my side and had proof. Then they passed the situation on to XXXX, now XXXX is trying to collect the debt payed to the buyer from me. I will have to find the documentation I have, but I was wronged, and XXXX would n't stand by me. They told me it was the cost of doing business. Now XXXX is trying to shake me down for money, and offered to settle for half of the principle paid in the beginning. This is fraud, a crime and unethical. I do n't want letters from bill collection agencies and or XXXX bothering me anymore. This will end up in court if it does not stop and if it lands on my credit report there will be a lawsuit. The weight of the item sent out to the buyer of my item on XXXX was a certain weight and coming back it was considerably less as my accessories where stolen for my device I sold. That was my proof to them and they did not care. I had spent years trying to get the XXXX score I had and never had issues like this and they still did n't give me the benefit of the doubt.
|
| 11/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XXXX.
I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score.
I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX.
In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance.
XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week.
XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
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| 12/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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CONVERGENT {$1600.00} I challenge the accuracy, compliance and reportability of this listing.
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
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| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The Bureaus stated they investigated my report correctly and accurately which is inaccurate because for all of these accounts listed below i never gave any of them written instruction to furnish anything on my report also i have the right to privacy this grounds for removal.
15 U.S.C 1681 Section 604 2 : the law clearly states a consumer reporting agency can not furnish a account without, y written instructions.
I havent given these accounts permission to furnish these accounts on my report.
15 U.S.C 1681e ( 5 ) information disputed by a consumer, if this information is investigated and still inaccurate it shall be removed by consumer reporting agency 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
ALSO THE REPORTING AGENCIES/ DEBT COLLECTORS/BUREAUS OBTAINED PERSONAL INFORMATION ILLEGALLY BECAUSE I NEVER DID IT THIS IS ALSO A DIRECT VIOLATION OF MY CONSUMER RIGHTS.
THE ACCOUNTS AND OR NAMES BELOW SHALL BE REMOVED FOR DIRECT VIOLATION OF MY RIGHTS AS A CONSUMER : XXXX XXXX XXXX CONVERGENT OUTSOURCING, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/12/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2019 a debt collection account for {$130.00} from Convergent Outsourcing started reporting on my credit score. A couple of month later in XXXX, I received a settlement offer from the company. The letter stated they were working on behalf of XXXX. I reached out to XXXX about the alleged debt, who only redirected me to Convergent Outsourcing. On XX/XX/19 I submitted a letter to Convergent Outsourcing requesting verification of the debt by providing a contract with my wet signature. I waited 30 calendar days for a response and I received nothing back from the company. I reached out by mail to all three credit bureaus ( XXXX, XXXX and XXXX ) requesting this debt collection account be deleted from my credit report because Convergent Outsourcing failed to validate the debt within the allocated time frame of 30 days. XXXX deleted the account from my report but XXXX did not and directed me to reach out the Convergent Outsourcing again. I called Convergent Outsourcing on XX/XX/2019, I spoke to a lady named XXXX. I expressed to her what was going on and how I requested validation that I still never got. XXXX verified my address and said she could send a letter to my house. Yet to this date I have not received a contract with my wet signature confirming this is my debt from Convergent Outsourcing.
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| 11/19/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ATTENTIVELY REVIEW my formal writing composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infructuous behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTS ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.
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| 07/24/2019 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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XX/XX/3019. I got another call from XXXX, I recognize it as they have called periodically over the last 3-6 months. Every time I tell them they have the wrong number and they say they will remove it and never do. Yesterday, I got a call, it rang 3x and hung up, I called it back and they asked for my ex-wife again. I have been divorced for many years and don't want to hear the name. They don't care. This date I got a clown calling himself XXXX XXXX, the manager. I had to threaten to file this complaint to get him to the phone after 4 tries and claims that he is tooooo busy. I got him and he again said they would remove the number.
I am familiar with contacting third parties after they have been advised to stop and this is a violation under the FDCPA and UDAAP. Each violation carries a maximum of {$1000.00}. per violation.
I want Convergent to leave me alone. They obviously just purchased another horrible portfolio, ( probably Bankrupt accounts as she filed for bankruptcy. They are famous for buying bankrupt and probate files to harass others.
I called the number which is not listed and spoke to XXXX XXXX and dhe refused to share the address the agancy is located ; yet another violation.
These people need an audit, I know for a fact that they have training but they sure do not apply the laws
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| 06/07/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have never had XXXX at my residence in my name! XX/XX/XXXX they were running a special on programming for XXXX, so I inquired about signing up. So I am placed on the phone with a XXXX associate that tells me that I have already had XXXX at my current residence and there is an outstanding bill of over {$700.00} from XX/XX/XXXX-XX/XX/XXXX. So I explain to this person that I have never had XXXX, I have never received a bill from XXXX ever .... and also I did not live at this residence during that time. I was told that maybe a previous tenant ordered it in my name, but that XXXX had been installed at my address in XX/XX/XXXX in my name, and I did not occupy this residence during that time and I explained this to the associate, which then tells me that I will have to file fraud charges to avoid responsibility of this debt. This is a scam because this company did not have my personal information until I gave it to them on inquiry day XX/XX/XXXX, more than 10 years after they say someone at my address used my name to obtain XXXX! I have not filed fraud charges because I have no idea who to charge! I have no proof of this bill or said account or name of person pretending to be if that is the case! I feel this is a scam to collect money that I do not owe and refuse to pay because it is not my debt!!!!
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| 01/09/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX Cancelation and Debt Collection Scam I attempted multiple time to cancel a XXXX service, only to have the same tactic used twice to try and stop it from happening. The tactic goes something like this : XX/XX/2021 @ XXXX pm ET XXXX representative : How can I help?
Me : I want to cancel my line tm rep : can I have a call back number in case we get disconnected?
Me : Yes, my XXXX cell phone number is xxx-xxx-xxxx tm rep : ok you want to cancel, It appears you have a balance due, can you make that payment today?
Me : Yes, I can pay the balance outstanding after making the payment> tm rep : ok, let me step off the line for just a minute to assist you with that. I'm back XXXX XXXX, can you hear me?
Me : Yes, I can tm rep : XXXX XXXX are you there?
Me : Yes I am tm rep : On my third attempt ( XX/XX/2021 @ XXXX pm ), I recorded my call and had the tm rep acknowledge that my line was requested to be canceled as of XX/XX/2021 and that any outstanding balance was removed from my account. Since the third call I have been contacted by a collection agency ( Convergent ) and t-mobile with additional past due notices.
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| 07/27/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2020 I sent a certified letter to this Collection Agency in response to a letter that was sent to me attempting to collect {$820.00} debt. My letter specifically asked that Convergent show me how they calculated what they say I owed and I requested copies of any paperwork that shows I agreed to pay what they say I owed. Convergent 's response was a letter stating that the debt was verified and they sent me a copy of a XXXX bill that that looks as if it was generated by someone inside the office of the collection agency. I specifically asked for validation. So on XX/XX/2020 I sent another certified letter after I talked to XXXX and they had no record of the account number this collection agency has manufactured. Again, I requested documentation showing what agreement I had with Convergent to pay any money. I also believe the statue of limitations has expired. Convergent replied on XX/XX/2020 with another letter stating this debt is verified along with a duplicate copy of a bill that looks like they generated it in their office. Again, there was NO signed contract attached binding me to Convergent to pay them any money. This collection account has now hit my credit report and is damaging my credit. I am insisting that this collection agency be removed from my credit report immediately.
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| 04/24/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2019 Convergent Outsourcing Inc. mailed me a letter claiming that I owe XXXX XXXX or XXXX {$43.00} and that this creditor has placed my account with their office for collection, and that I can pay by mail, phone, or internet. It is stated that I have 30 days to dispute this and if I do not Convergent will obtain verification of my debt or obtain a copy of the judgement against me.
I have been in touch with XXXX through email on XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX ), and talked with a XXXX Security Customer Service Representative on XX/XX/XXXX ( XXXX XXXX ) with concern about the security of my account, to verify I do not owe money, and that Convergent Outsourcing Inc., is falsely claiming I have outstanding debt and trying to collect money on their behalf.
XX/XX/XXXX ( XXXX ) I have mailed a dispute letter to Convergent Outsourcing Inc. stating them of their false claim, that I was keeping the original collections letter, and reporting them to XXXX , Minnesota Department of Commerce , Federal Trades Commission , XXXX XXXX XXXX , Consumer Financial Protection Bureau , that I know my rights under the Fair Debt Collection Practices Act, and to not contact me about this debt again. Convergent Outsourcing Inc. has my name and address and hopefully nothing more than that.
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| 09/13/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
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| 06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX has shared my social security number, credit report and confidential information there in without my consent to Convergent who illegally and without my consent have violated my privacy and are aware of where I live and have been given my phone number.
I am requesting Convergent and XXXX to remove the false reporting from all three credit agencies and off my credit file as they have not responded to my request in 30 days to prove they have accurate information to receive my confidential information to report to all three credit bureaus.
I have not signed an agreement with Convergent and associates to contact me, nor have my confidential information nor report errors to all three credit bureaus.
I'm requesting in writing the removal of the false reporting from all three credit bureaus.
Therefore the reporting is illegal and inaccurate information given to all three credit bureaus as well as my right to privacy and protection has been been violated.
My husband 's XXXX XXXX and current hospitalization has had my family in crisis and now with Covid-19 I must have this inaccurate reporting removed immediately.
The false reporting is negatively affecting my XXXX XXXX ' ability to receive COVID-19 disaster relief.
Please remove now from all credit bureaus.
Thank you.
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| 03/08/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX my husband called to pay off the lease on his cell phone and was notified by XXXX the final amount was {$170.00} which was paid and the phone was unlocked, which is an indication that he is now the owner of the phone and free to take it to another carrier. On XX/XX/XXXX, I received a call from XXXX saying that {$450.00} was now due for the phone. I spoke to an upper manager who listened to the XX/XX/XXXX phone call and agreed that it was the error of their customer service rep. and additional money would not be owed. Today XX/XX/XXXX I received a notice from a debt collector company. Prior to this I have never received a bill or statement from XXXX for the alleged charges. I disputed the debt with the debt collection company and have spent several hours on the phone with XXXX and am being told they dont have a record of the XX/XX/XXXX conversation and now I owe {$450.00}. I have talked to multiple managers to try to resolve this issue and am not getting any resolution. I have been yelled at by XXXX customer service reps and treated very unprofessionally. I had to cancel my service with XXXX because we moved to an area in rural Alaska where they do not provide service. Since cancelling I now have been harassed with phone calls attempting to collect on a debt I do not owe.
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| 03/18/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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3 days ago, I received a notice from a debt collector, Convergent Outsourcing , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , WA XXXX.
The creditor is : XXXX XXXX - Client Account # :XXXX - Convergent Account # XXXX.
The notice states that I owe XXXX XXXX {$850.00}. I had NEVER heard of XXXX XXXX before I received this notice, nor have I EVER done business with them.
I called Convergent who told me to call XXXX, which I did. I called XXXX Customer Service, XXXX, who told me to call the Fraud Dept.
I tried to call XXXX Fraud Dept. ( 2 different times, 2 different phone # 's, XXXX and XXXX, that were provided ). I was on hold for 2 hours one day, 1 hour the second. A person never came on the phone.
I called Convergent. They are putting this into a Fraud File.
Yesterday, XX/XX/17, I called XXXX Customer Center. They had no record of my SS #, and asked me to bring the letter to the branch. I've lived in Oklahoma 20+ years. There are no XXXX XXXX here. She then hung up on me.
This bank is very poorly run, and is NO, absolutely NO customer service. They need to be investigated. They, out of blue, declare that a person owes " X '' amount of dollars, yet refuse to speak to the person they are attempting to fraud.
I would appreciate it if you would look into this for me.
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| 05/20/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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-I switched cellphone carrier 's on XXXX.22 went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX -On XXXX.22 I received by last bill from XXXX in the amount of {$620.00} -what was concerning about the bill was that neither of the payments I had made on XXXX22 or XXXX.22 were annotated on the bill.
-I contact XXXX spoke with a rep by the name of XXXX she asked detailed information about the payments and placed request to search for the payments the request # 's are as follows : XXXX & XXXX she stated that I would be notified by a XXXX about the request but I never was contacted.
-In XXXX I received a bill from XXXX stated that I owed {$340.00}, also noted on the bill was the XXXX22 of {$280.00} but no mention of the XXXX.22 {$260.00} payment.
-Then on XXXX.22 I received a collections notice form Convergent on behalf of XXXX stating that I owe {$340.00}.
-To date I have not received any follow up from XXXX in regards to my XXXX22 payment of {$260.00} towards my XXXX account. Also when I logged in online on XXXX22 to make my last payment it showed a balance of {$280.00} which should have paid of the account then end of XXXX I began receiving bills that made no sense and my online account did not allow me to see all the billing.
PLEASE SEE ALL ATTACHMENTS WITH THE XXXX BILLS AND MY PAYMENTS.
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| 06/27/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have a collection of my XXXX and XXXX report from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are reporting " Time SInce Negative '' as being XX/XX/2017. This being a " Negative Account '' showing that it appears I was late or didnt pay a bill just 11 months ago vs actual 4+ years since I have been late on anything. This is having a tremendous impact on my credit score and is causing me to be unable to purchase a car. I have disputed till I can no longer dispute on line, I have called and am told " this is correct ''. First, I am not aware of this bill as I have never received any information on it. I explained to the rep with XXXX that I have a copy of my lease showing that I have lived at this address for almost 5 years and according to XXXX that isn't good enough. " They already proved it is yours ''. I dont see how, I would like something showing I singed for this contract. The rep says it isnt impacting my score but if that is the case they why even have a " Time Since Negative '' for a potential lender to see and judge me by. As I said, I have paid my bills, every one on time no late payments for the past 4+ years. In reading other post regarding XXXX they seem to be notorius for reporting wrong " Time Since Negative '' Information causing a lot of others problems.
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| 01/31/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XXXX, I purchased a phone number from the XXXX store because my old number was disactivated but I didn't like the number I bought so I tried to change but they told me that I needed to pay a fee of XXXX $ to open a new account and get a new number so I did, I payed the XXXX $ and I bought myself a new phone number but the lady helping me out forgot to disactivate the other number so XXXX charged me for every month even though I was not using the phone number. In summary I was charged a debt of XXXX $ for a phone number ( postpaid ) I was not even using because some lady forgot to disactivate it ... I tried a hundred times to dispute the transaction, I talked with 20 or more people on the phone contacted their debt collector company called " convergent outsourcing '' and they kept refusing to give me an explanation for the debt, they didn't know why I was being charged, they even told me that they conducted an investigation and that they sent me a mail to my mailbox but I did not receive anything. They ended up offering me a discount of XXXX $ and pay XXXX $ to clear the debt. I kept arguing with XXXX and convergent on the phone in vein. I was obliged to pay the debt of XXXX $ because they would eventually charge me the debt. If I hadn't payed the debt they would have pursued me.
|
| 05/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
|
On XX/XX/XXXX, my account with XXXX XXXX was transferred to another carrier. Arrangements were made in person at XXXX XXXX store in XXXX, CA and with the new carrier. All devices were included. The new carrier stated that XXXX would be notified of the transfer.
Beginning in XXXX, I received a bill stating my XXXX account was not paid. The amount on the bill was for both XXXX and XXXX. I immediately tried to contact XXXX but all attempts to call were directed to a robot that didn't offer any way to contact a person and its menu was useless. I tried different phone numbers for customer service with the same result. Dialing " 0 '' during the call was not effective. I contacted a chat line and was told that the problem would be addressed. In XXXX and XXXX, I called a chat line and was told either the entire bill would be paid with no alternative. On XXXX, I was told I could pay the remaining XXXX bill even though no service was provided. On XX/XX/XXXX, I paid {$130.00} and was told that would end the account. On XX/XX/XXXX, I received another bill for XXXX. All attempts to resolve this has failed and I am not paying for a cancelled account with no service. There is now a device number on the bill for a device that I don't recognize. Today, I received a bill from a collection agency.
|
| 09/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 01/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 11/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 03/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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Credit Report Inaccuracy : XXXX XXXX XXXX Dispute Letter XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Consumer Assistance XXXX XXXX XXXX, XXXX XXXX XXXX Re : Notice of Dispute to Pursuant to Section 611 of the Federal Fair Credit Reporting Act To Whom it May Concern : I recently obtained a copy of my consumer 's credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This is injurious to my consumer report and I request that you correct this information immediately.
Please remove this account from my records it is inaccurate billing/contract information. Please remove from my files and your records and/ or show me proof of such debt accurately billed and belonging to me : Original Account : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX Collection Agency : Convergent XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Account Number : XXXX BBB Complaint ID # : XXXX My consumer report is extremely valuable to me, please be advised that willful non- compliance is a violation of the Federal Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation unless I am notified otherwise. Please provide me with an updated credit report.
Respectfully, XXXX XXXX XXXX
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| 12/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XX/XX/2021, I signed up for XXXX XXXX, but learned the service would not work in my area. I immediately cancelled. The phones came and I returned them unopened. They didn't reimburse me the {$98.00} for XXXX that was promised. I received a bill from them dated XX/XX/2021 for {$220.00}, but when I tried to call the # XXXX, they couldn't talk to me because I didn't know a phone # and pin #. I received a phone call from Convergent Outsourcing XXXX stating the mini-Miranda and asking me to pay {$220.00} for XXXX. I told XXXX XXXX the story and she transferred me to XXXX where again I could not talk to anyone. I called Convergent XXXX and asked for a supervisor, who ( XXXX XXXX ) again quoted the XXXX. I told her my story. She said she will have XXXX call me, and also said they had auto drafted {$98.00} om XXXX and XXXX, meaning they now owe me about {$300.00}. They called, and said they needed to transfer me, but nobody answered the phone. I called Convergent and asked for the manager, and got XXXX XXXX again, who quoted the XXXX XXXX. She stated they are just pre-collecting and I have to straighten it out with XXXX. If it is pre-collections why are they calling in attempt to collect a debt. Why is the same person posing as supervisor and manager. Why won't they resolve a dispute.
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| 02/02/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On Friday, XX/XX/XXXX, I received a ( paper ) letter in the mail from " XXXX XXXX XXXX. '', indicating to me that they are a collections company working on behalf of " Creditor : XXXX, XXXX '' to collect an " Amount Owed : {$2200.00} ''. The letter indicated that they have or will cancel my XXXX account unless I contact them and pay off the full amount or make payment arrangements.
Immediately, I checked my XXXX activity and balance and found no record of this supposed debt, and the account numbers listed on this paper do not match the account ID information I have for my XXXX account.
At about XXXX on XX/XX/XXXX, I called and spoke to a XXXX customer service representative who informed me this was not a legitimate letter or notice from XXXX and that my XXXX account is proper and in good standing. He instructed me to take photos of the image and e-mail them, along with an explanation, to XXXX, who I understand to be the fraud review department.
I am deeply concerned about the content of this letter and its ' legitimacy. I have a very active XXXX account that I use for my business and personal needs ; I can not afford for this matter to end up on my credit reports and reduce my overall credit score. I am eager to pursue whatever means are necessary to resolve this matter.
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| 02/11/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX, after checking my credit report, I noticed I had a collection agency charge for {$3100.00}, with the original debt collector being XXXX.
After calling the debt collector, I was told the the account was open in XXXX. I explained that I was still in high school, never had heard of the address that they had on file, and had never opened an account with XXXX. I asked for a copy of the contract with my signature and some identification that showed I had opened the account. It was explained that those records could not be provided due to the length of the account. I filed a dispute with that company and all three credit bureaus.
The account was removed.
On XX/XX/XXXX, the information again appeared on my credit report. I immediately filed a dispute with the credit bureaus. I called Convergent Outsourcing explaining the situation and what steps to take to get the item removed. The agent told me that I would have to provide them with a police report. At this point, I have never had any contact with this company. The address that she had on file was one that I had never heard of. I provided the agent with my address to send all correspondence. At this point, this account is not and was never one that I owned and I am requesting that it be removed from my credit report.
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| 12/21/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX I received a letter from Convergent Outsourcing , Inc. attempting to collect a debt on behalf of XXXX. I only own one account with XXXX that I opened on XX/XX/XXXX and it's always been on autopay and current. When comparing the account on the collection letter and the sole open account I have knowledge of with XXXX did not match. I responded to the collection agency via mail in XXXX after the second letter from the collection agency and after calling XXXX and confirming there were no other accounts open in my name with my Personal Information. I sent a letter to the collection agency bringing that to their attention. They responded back stating that they will continue to collect and that I should contact XXXX instead to resolve my collection. I reached out to XXXX on XX/XX/XXXX and provided them with the account number on the collections letter and they confirmed that my social security did not match the account, the service address was not the same either, and the phone numbers were not the same. Without the collections agency verifying this information, they put the negative remark on my credit report and send the collections letter to my address. Not only jeopardizing my credit but also giving me private information of 3rd parties. I need this investigated.
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| 08/05/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hello XXXX XXXX XXXX I have been having an issue with XXXX. I started new service in XXXX and received XXXX new XXXX - there was a promotion to get {$800.00} credit for each used returned XXXX. I sent in XXXX XXXX XXXX for a credit of {$1600.00}. Since we did a change of responsibility on the original account ( as the store manager instructed me to do )- they took the credit off my new account. I have spent so many hours on the phone with XXXX to get this resolved. I was also instructed to go into the store where I opened the service- the manager is NOT getting back to me.
XXXX acknowledges receipt of my old phones and the keep promising me a resolution and for a manager to call me- which obviously as not happened.
I told them I WILL NOT be paying this bill - since they took my phones worth the {$1600.00} credit. ( If I had the old phones - I could at least sell them ) They have tried to charge this to my XXXX XXXX card twice ( both times I disputed the charge and XXXX backed me up ) I was promised a call back on Monday XX/XX/XXXX. If I do not receive a call resolving this matter - I will seek legal action.
Please stop collection on this debt and do not report this to credit agencies - I am doing all I can to resolve this with XXXX directly.
Thank You..
XXXX XXXX
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| 09/20/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/XXXX a random person opened a cable account in my name fraudulently at XXXX XXXX in XXXX XXXX somewhere I have never lived in my life had it set to be installed on XX/XX/XXXX and was in service until XX/XX/XXXX leaving the accountwith XXXX in charges. I only recently received this information through my credit report in XX/XX/XXXX and have been stonewalled since, but because a young man at XXXX was kind enough to actually give me some tiny bit of information I can finally have this taken care of. I have been trying with no success for multiple months to get this resolved. The collection agency Covergent Outsourcing has been harassing me flagging my credit constantly causing over 100 point drop in my credit and was refusing to give me any information once I stated I was going to file a police report. I have attached the approved police report. I was XXXX during the interim of this incident and have provided docs as proof. Thank you for your time in this matter. This collection agency Convergent Outsourcing has done nothing to help alleviate the distress caused by this identity theft I am dealing with. I have basically given up hope that this identity theft will be removed from my credit record due to how aggressively this company tries to collect unwarranted debts.
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| 08/05/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I printed my credit report in late XXXX of 2020 from all three credit bureaus and I noticed that XXXX XXXX as the original collector was still on my credit report under collections for {$220.00}. I reached out to XXXX XXXX in XXXX of 2020 and paid my debit of {$220.00} in full and was told it would be updated and removed. It is now XXXX of 2020 and the debit is still there. According to the credit report the collection is now under Convergent Outsourcing at XXXX, I contacted them via telephone on XX/XX/XXXX about clearing or removing debit that is paid off and none out of the 6 people I spoke to and was transferred to help until they hung up on me. I also contacted XXXX XXXX back on same day of XX/XX/XXXX concerning same matter and XXXX XXXX informed me that I needed to contact collection company and I asked if I can get an emailed or mailed copy of receipt confirming my payment in full, representative advised me accounting department is closed in which it was XXXXXXXX XXXX central standard time, to try another time and hung up. Neither company is trying to help me or listen to the matter at hand. I need this removed being it is paid out in full or at least provide me with my receipt I requested and an estimated date it will be dropped or removed from my credit report.
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| 08/14/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a letter in the mail on XX/XX/XXXX from Convergent, in which the letter was dated for XX/XX/XXXX. The letter says your response is requested to pay a bill that I knew nothing about. Today, XX/XX/XXXX, at XXXX XXXX, I called the number listed on the letter XXXX, and spoke to a CSR. I was told by the CSR that this bill was sent to them with an original date from XX/XX/XXXX. I was giving a client account number and a contact number to the original creditor who is XXXX XXXX. The CSR would not give me any information on the debt. I was told that the debt would be placed on my credit report if I did not pay. I ask the CSR why I was not contacted in over 13 years about this matter. I was never contacted from this company or the original creditor who is I ask the CSR at Convergent about the statute of limitation on trying to collect on this bill that was said to be over 13 years old. Convergent did not follow the proper laws on trying to collect this debt, I was never notified, the statute of limitations is up, I am being harassed and told my credit would be impacted. After the phone conversation, I immediately contacted the original creditor at XXXX. I provided the CSR at XXXX the client ID number giving by Convergent, and that company could not find that account.
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| 05/27/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello my name is XXXX XXXX and I had XXXX dispute this collection bill due to fact that I did not have a XXXX XXXX account.I have a fraud alert on my XXXX report for fact I was notified by a police officer that someone had used my identity more than likely.Also bc there were addresses I never lived at with variance of my name changed on report wrong middle initial and name changed around.XXXX responded with saying that XX/XX/2019 report numberXXXXConvergent Outsourcing orgin XXXX.The information I disputed has been verified as accurate.However info unrelated to dispute has been updated.And still has the XXXX the Convergent co.is out of Wa.But, I am in AZ.I had asked what name the account was in since varriances were under dispute on my report with XXXX and asked if this account existed Wich I never had what info they had and how they obtain the account setup and address.I have never been answered on any of those questions to further provide proof where I was at time account was created if needed, and still have no understanding of when account was created .Just when in collections.I really would like help further resolving matter as trying repair credit.Thank you for time and consideration in resolving this matter, XXXX XXXX XXXX is email you may reach me back at.
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| 10/03/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In the month of XX/XX/2019, I received a letter from Convergence Outsourcing Inc. regarding a re-aged debt Per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I immediately responded to Convergence Outsourcing Inc with an affidavit of denial ( not validation ) explaining this debt has been blocked per section ( 605b ) of the Fair Credit Reporting Act, an was the result of identity theft. Upon checking my credit report on XX/XX/XXXX I noticed this debt is now appearing on my credit report. These actions from Convergence Outsourcing Inc are clearly violations of consumer rights and unacceptable due to the fact the debt has been re-aged and also was the result of identity theft, and has already been blocked from the credit bureaus from a previous debt collector. This is my 2nd and final attempt to resolve this issue before pursuing litigation.
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| 05/05/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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We were contacted by mail b y Convergent Outsourcing Inc. ( letter dated XX/XX/2017 ) in an attempt to collect a " debt '' for {$2600.00} to XXXX . We have never had an account with XXXX . This is a scam company. The next wee k ( letter dated XXXX XXXX XXXX ) we received a letter supposedly from XXXX , attempting to collect a debt of {$2600.00}. I called XXXX XXXX the real XXXX ) a nd gave them the " account number '' at the top of the letter. Sure enough, it was associated with my husband 's name. But the account was " under collection '' and they could n't tell me anything about it. When I told them this was being done by a scam company and we did n't have a real account with them, they told me to disregard the letter. I asked that a complaint be reported to a supervisor at XXXX since Convergent is engaged in illegal actions using XXXX 's name. I am concerned that many people are being scammed out of money by this company. The letter said that if we did not pay, that XXXX would be authorized to charge the full amount to what ever credit card we had on file with them. If someone had received this letter and actually did have a card on file with XXXX , that would be very scary! Please do whatever you can to shut this company down!
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| 06/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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On XXXX XXXX XXXX was notified that i was closing my accou nt of 10 yr s. and switching over to XXXX for a much lower price. On XXXX XXXX I called XXXX to get the balance owed on my account.My bill was always due on the XXXX of the month so I called a few days early. The agent gave me a final bill of XXXX with a confirmation number of XXXX and I paid it over the phone.It was deducted from my checking account. About a month later I received a bill saying I owed XXXX . I immediately called XXXX and told the agent I already paid t he balance.She sai d because I kept my same phone number, I owed the money, I told her she made no sense, everyone is allowed to keep there same number., A month later i received another bill for the same amount. I called again and got a different reason why I owed the money, that because I paid the bill on the XXXX of XXXX I still owed the last few wee ks of XXXX .I t old them they made no sense.I wrote to their main office in Ohio explaining what was happening, and that I didn '' t owe the money.Yesterday I received a bill from a collection agency ca lled Convergent.I do not want my credit marred by this. I have worked hard to keep my credit good. I would appreciate whatever you can do to resolve this matter.
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| 06/18/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX is contacting me regarding a debt they are claiming I owe, date of service starting XX/XX/2014. I replied to them that I was stationed in XXXX XXXX, AL until XX/XX/2014 and was not in the same state that the service was rendered. They are demanding my social security number, a police report identifying a suspect, and a utility bill proving my location.
I advised that the XXXX does not provide utility bills when you are stationed in the barracks. I have my XXXX proving I was in XXXX XXXX AL until XX/XX/2014 and I have provided my bank statements showing that I was using the XXXX XXXX until early XX/XX/2014, proving that I could not have been in the same state they claim the services were opened. They are claiming the debt has been " verified '' - they have sent me paperwork with the wrong address, the wrong telephone number, and an illegible signature they claim is mine. I have provided multiple documents proving that my address had changed and that I was nowhere near the service location at that time. I have disputed this debt with all three credit reporting agencies and they have removed this debt from my account. However XXXX XXXX continues to harass me regarding this debt and will not respond to my questions regarding confirming or denying the debt.
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| 06/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XXXX, XXXX I applied for a Mortgage to purchase a new home. Upon receiving a copy of my Credit Report, I noticed that I was being listed in Collections from a company named Convergent Outsourcing, from a XXXX account. I contacted Convergent Outsourcing and informed them that I had NO KNOWLEDGE of this outstanding debt with XXXX or Convergent Outsourcing. For I had never opened an account with XXXX XXXX XXXX. In XXXX of XXXX I sent Convergent Outsourcing a DEBT VALIDATION REQUEST via Certified Mail. This Request pursuant to The Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Stating that I am disputing this claim and Validation is required. This request allows a company 30 days to respond. They have not responded to date. Forty Seven ( 47 ) days later ( See Enclosed ) Since XX/XX/XXXX, I have done everything humanly possible to get this company to remove this Fraudulent Account from my credit file. I have called them numerous time. and getting through is a task within itself. Minimum wait 45/50 minutes. ( See Enclosed Screenshots ) I have filed a complaint with Identity Theft.Gov.
I have Filed A Police Report ( See Enclosed ) This Fraudulent account on my credit file has caused me nothing but grief. I am being penalized for a debt that I did not incur.
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| 07/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I signed up with XXXX XXXX XXXX for internet & TV service in XXXX, Oregon. My bill was never correct despite many calls to customer service. I finally gave up. I cancelled my service, disconnected it, and made payment for my final months of service at the rate I originally contracted.
With my final payment I included a letter detailing the problem, my calculations, and that this was a final payment for the unpaid portion of my account at the contracted rate. XXXX accepted the check in XXXX 2015 and never commented on my letter.
In XXXX I was contacted by Convergent Outsourcing, a debt collection service working on behalf of XXXX. I disputed the charge, which Convergent " verified '' by providing a copy of a XXXX bill. I sent Convergent a cease and desist letter along with proof that the debt was invalid -- which was a copy of the final letter I had sent to XXXX and a copy of the check.
Convergent contacted me again on XXXX XXXX, ignoring my cease and desist letter, with an identical " we 've verified this debt is valid '' letter.
XXXX 's billing practices are predatory and Convergent Outsourcing, its debt collection service, ignores proof that the debt they are trying to collect is invalid and ignores consumer demands to break off contact.
Please help!
|
| 11/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The debt collector CONVERGENT OUTSOURCING opened a collection account in XXXXXXXX XXXX XXXX XXXXXXXX, this account was closed in XX/XX/XXXX due to XXXX mobile processing and charging fraudulent fees for the second time ( the first time was on for over {$600.00} which were withdrawn from my bank account ). XXXX XXXX continued to issue statements which I was never sent until XXXXXXXX XXXX XXXXXXXX with various and inconsistent charges. Even at this time when I try to access the statements an error occurs on the website. There was no usage of the account/lines during that time, I do see some phone calls and messages that I suspect were place by XXXX XXXX themselves as the phones were turned off when the account was closed. Credits were due which were supposed to finish paying for the equipments but none of this happened.
The debt collection agency never contacted me, I was made aware of this collection upon reviewing my credit report.
I live in North Carolina, and under General Statutes 58-70-115 ( 4 ). Unfair practices.
The debt collection agency was issuing false threats and claims as the statute of limitations had expired and they were not allowed to sue, under this same statute any attempt to collect this debt was barred due to the statute of limitations.
|
| 06/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This letter is a formal compliant that you are reporting and incomplete credit information.
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
|
| 12/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XXXX has repeatedly made attempts to collect a misrepresented debt. I was in no contract of any sort. I bought the cell phone out right cash. It was explained to me that it was prepaid at time of purchase. I made many attempts to use the phone but the service was non existent. I had to stand at the side of my road outside of my home to even pick up 1 bar of service and while driving into different towns had XXXX service on the phone as well. They told me there was nothing they could do.
XXXX provided no service to me on this phone. It was explained to be prepaid at the time of purchase. They continued to charge me for a phone I was not using and could not use. I could not even call them to cancel the service. They have sent this debt to at least 3 different collections companies - all who have dropped the collection account immediately upon informing them of this issue. Then they open the account with the next collection company and continue harassing me.
I have attached a transcript of myself and an agent. I explained to them I was laid off at the beginning of Covid. I could not use the phone. And that I didnt understand my charges when it was prepaid service. They refused to close my account unless I called them from my service-less phone they sold me.
|
| 10/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX of 2020 I switched from metro PCs cellular phone service, to XXXX XXXX.
I was unhappy with the coverage/service and was not getting the promised speeds/coverage.
On the XXXX of XXXX I called to cancel my service and ported each of my numbers over to XXXX XXXX. The representative I spoke to on that day informed me that my account will be closed and I will not receive another bill. Everything as far as XXXX is concerned, was done. Or so I thought.
My credit card got automatically billed by XXXX on the XXXX of XXXX. I called that day and they told me Id have to wait 30 days!
I waited 30 days and nothing changed. No one gave me my money back and I had to get a new card to they would stop charging me. Mind you there are no active lines or numbers at this point 4 weeks later. So Im not sure why or how they are billing me.
Now on the XXXX of XXXX I received a debt collection notice from a different company other then XXXX. They just sent me to collections for a month that I never had service!
Im so frustrated, especially with the times, I dont have a lot of money and every dollar is important to me. No one from XXXX has been able to help me, not even close. And now my credit is in jeopardy. The one thing keeping me alive.
Please help me, XXXX XXXX
|
| 03/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Convergent Outsourcing is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Convergent Outsourcing about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus 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 my credit report by your company I will not hesitate to complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
|
| 02/26/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I had an account with XXXX XXXX for internet. I closed this account XX/XX/XXXX. At that time I was advised that there would be no additional charges. I then started receiving emails, telling me that a payment of {$66.00} was due, but showing that nothing was due. Sometime around the end of XXXX, XXXX XXXX sent to me to collections, with a company called Convergent. I received a letter from Convergent XX/XX/XXXX, stating that they were authorized to give me payment options, one of these options was to pay {$49.00}, and the account would be considered paid in full. I mailed out a check in the amount of {$49.00} on XX/XX/XXXX, to the address listed on their letter, and with the payment stub that they sent. I then get notification from XXXX for the additional {$16.00}. When I called Convergent this morning ( XX/XX/XXXX ) i was advised that my account was no longer active with them, and that they couldn't help me. That because I sent the payment directly to XXXX and the letter was just sent to me to get me to pay, that XXXX really hadn't authorized this short payment, that they could not help me, that i would need to speak with XXXX directly. When I asked them why they told me to send the payment to XXXX, she said because that is where it was to have been sent.
|
| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company XXXX XXXX XXXX is using some real shady tactics here, let me tell you. I found out about this debt from my credit report. I was never ever informed on this debt, I have n't needed XXXX XXXX since I left a fixer upper home in XX/XX/XXXX. Somehow the new tenants got the power back on in my name, probably because bills were still coming there for power.I have contacted XXXX and they will do zero to fix this, said to call the cops. I did and they said it was 7 years ago so they cant do anything. This was put on my report as current, and went delinquent in XX/XX/XXXX. Which in fact is false. It went delinquent in XX/XX/XXXX. I disputed this charge, said the balance history was incorrect. They updated and said it is not. It is not fair that these companies can out and out lie when you dispute things. If this is not fixed or deleted I will be contacting a lawyer for damages. a XX/XX/XXXX delinquency hurts my credit FAR MORE then the correct age of XX/XX/XXXX. This is not fair to the consumer and they should be fined!!!!! I have called them even to notify them of their error and they refuse to fix this. The below Bill shows my last payment was XX/XX/XXXX and they said it was partial. Acct was put delinquent XX/XX/XXXX Power was Shut off and XX/XX/XXXX
|
| 06/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from XXXX XXXX, in an attempt to collect a debt, during the month of XXXX 2017 for an account opened with XXXX XXXX. I have never had an account with XXXX and I immediately called and told them I did not have an account and they told me I had to file a dispute and go into the bank and I did both. I filed a dispute online and went into XXXX local bank branch where they confirmed by social security number, address, and drivers license number to all be different from the account holder. They contacted Convergent and let them know but I then received a letter, dated X/XX/17, not only stating that this was a valid debt but also attached was this lady 's bank account information along with her driver 's license number and social security number! AFTER I told them I was not this lady they STILL sent out information to my address, which is completely different than my own in an entirely different state! I wonder how many other persons information they have given out unbeknownst to them. This has to be against the law and I want someone to know that they are not handling peoples ' personal information the right way. They should have called XXXX back to find out whether or not they had the right person before sending out this lady 's information.
|
| 09/10/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I the consumer comes with clean hands and good faith, I received a letter from Convergent Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The company has two different accounts numbers on this tept to collect a debt notice, Amount said I owe XXXX dollars.Stating they are a debt collector, Trying to collect a debt from me i owe XXXX XXXX, I've never heard of this company until now, I have heard of XXXX XXXX and paid XXXX XXXX and XXXX XXXX for many long years without consciously knowing, I a natural living person was volunteering paying a bill/debt that was already prepaid according to UCC-9-307 ) location of the debtor also ( 18 USC-8 ) 31-USC 3123 ) states the United States government pledged to pay debts, therefore the consumer can discharge/offset debt and it doesn't have to be paid in legal tender see 31 USC 5118 ) There is no Lawful money, only dept notes therefore I can't pay debt with a debt. I, the consumer didn't give any debt collector permission of a court of competent 15-USC 1692- A-P ) THEREFORE I ask the dept collector mention above closed this debt in good standing with a positive balances on all three credit reporting agencies and any other credit reporting agencies, UCC 3-605 ) It's unlawful to demand payments. Banking act 1933.
|
| 07/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
Re : XXXX report names does not belong or incorrectly appears in the report Name XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Paid in full Disputed XXXX Bank Error ReOccurring as of XX/XX/XXXX as amount owed Balance {$380.00} Date OpenedXX/XX/XXXXActivity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount XXXX XXXX XX/XX/XXXX Loan Type Secured Date Closed XX/XX/XXXX.
Date Reported : XX/XX/XXXX Collection Agency CONVERGENT OUTSOURCING , INC . CLOSED XXXX XXXXBALANCE ReOccuring Date XX/XX/XXXX Original Creditor Name XXXX XXXX Original Amount Owed {$400.00} Creditor XXXX XXXX or XXXX Amount {$400.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX dispute with XXXX XXXX paid in full closed the account XXXX XXXX charging customer amount for service not needed. therefore Closed the account/ I do not have cable with them.
XXXX XXXX XXXX {$120.00} unknown account. Revolving XXXX ( I still have account with XXXX XXXX XXXX been long customer since XXXX )
|
| 01/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
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We switched from XXXX to XXXX on XX/XX/2016. We were advised that XXXX would pay {$650.00} per line to switch us. We had XXXX lines so that is {$1300.00} to pay for any and all fees. As of XX/XX/2016, we have been getting threatening calls from XXXX about our account. We advised them at the end of XX/XX/2016 that we switched and our account should be handled by XXXX soon. The phone calls stopped. Today, XX/XX/2016, the harassing calls started again. It has not been 60 days yet and they are threatening to attach this to our credit. They have been advised that XXXX is processing the refund. I have spoken with XXXX and XXXX, only to be given a run around. I have also spoken with the company Convergent Outsourcing ( the company formerly pretending to be XXXX in XXXX but now calling themselves Convergent Outsourcing ) and they have been threatening as well. I do not feel that either company has given the appropriate and fair amount of time before calling and harassing us for the payment from XXXX. I called the FCC, FTC and now the CFPB. Can someone please make them understand how the Fair Debt Collection Practices work. When we get the pre-paid Visa 's from XXXX, we will gladly give it to them which should be within a few more weeks based on XXXX statement.
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| 03/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Convergent Physical Address are charging me a money what I dont owe from XXXX XXXX, I called XXXX XXXX to tell them what they are charging me a money what I dont owe because I return the equipment to the XXXX and XXXX Store XXXX XXXX what they connect everything in the system with XXXX to cancel everything with them because XXXX XXXX was the company what offered me a line for XXXX with a XXXX sold by XXXX but I dislike the phone and I returned the XXXX to XXXX and they told me what they cancel automatically on the system the line because I never used it, look my receipts proof what show what I received my refund from XXXX and they canceled the line with XXXX because they was the company in charge to do it, I let them know it to XXXX XXXX it and XXXX XXXX is washing them hands telling what collection company is the company in charge to delete the account. And at this moment I dont know who was the irresponsible company : XXXX XXXX XXXX? Or the collection company? The true is : I never used the line because I returned the phone and line directly to the XXXX XXXX.
They are charging {$150.00} and it is a crazy thing because like I am saying you I never used the account the line never used everything was returned to XXXX XXXX with line and everything.
|
| 09/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I noticed an increase in unknown calls, private, unavailable calls, calls from numbers I did not recognize starting in XX/XX/XXXX. I started keeping track of the numbers in XX/XX/XXXX and did some research and found two repeated numbers belonging to Convergent outsourcing Inc . They have called me on my home phone number and cellphone. I started to keep a log of the calls received XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.
I mailed a do not call letter - certified mail return receipt, which they received on XX/XX/19 - but they still kept calling. I called and have talked to them several times and told them to do not call me - but they still keep calling.
I filed a lawsuit against them for violating the TCPA act and they received it on XX/XX/19 but they still keep calling. They continue to violate the TCPA by continuing to call me on my cellphone without my consent : I am not their debtor, and they have been notified in writing, by phone calls and by a lawsuit to stop calling but they still continue to call. I will be filing a second lawsuit on XX/XX/19 for the continued violations of the TCPA act and FDCPA compliance.
|
| 10/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I purchased a home in XXXX XXXX and as a result, my utilities had to be transferred or shut off completely. My XXXX account ( for internet only ) was one that would n't transfer, so I paid the balance in full and closed it with the intention of opening a new one for my new home. Not even a week later, I did just that and had them come out and install internet services. In XXXX XXXX, I did the same thing for my business : I opened a new XXXX account for internet services and had it installed at my business location. Shortly after that, I received a bill from a collection agency stating that I still owed them a balance of XXXX from my account prior to moving in XXXX XXXX. I disputed this with the collection agency and advised them that they would n't have let me establish two subsequent accounts had I still owed them money. The collection agency said they would take care of it and I never heard back from them. Now suddenly, on XXXX XXXX, XXXX, I get another bill from a collection agency named Convergent saying the same thing : That I owe XXXX a balance of XXXX. I am writing to vehemently dispute this charge. I do not owe XXXX any past balances. The only thing I owe them is what I pay every month for internet services at my home and business locations.
|
| 08/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
About a few Months ago around XXXX of XXXX XXXX received an alert on my credit reports that it has dropped more than XXXX points due to an unpaid bill. When I checked my app it stated that a company called Convergent Outsourcing debt collection was trying to collect an unpaid debt of {$610.00} dollars from XXXX XXXX XXXX. I notified both the original company and collection agency that this was down without my knowledge and permission. The company is a utility company out of XXXX Texas and I informed the manager that I'm from XXXX XXXX and never lived in XXXX. They gave back the information that contained my social security number which I never gave out and told them this was a mistake since I've lived in XXXX XXXX for most of my life. I also filled out an identify theft report from the the trade commission back in XXXX since I thought it would be resolved and showed it wasn't when i went to a bank to apply for a credit card and was denied due to the identity theft which showed I had and unpaid balance that went to collection which is why I was denied. Im trying to apply for credit or even plan on getting a new car but due to the collections report that isn't mine its causing alot of stress since my record shows owed debt that is not belonged to me.
|
| 07/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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XXXX XXXX Virginia is stating that I owe them {$540.00} concerning a set top box and a remote control that was not returned. I physically return both units to the XXXX location in XXXX, Virginia. This debt has been re-aged and documentation dated back that far is not available. I would like this item to be removed and deleted from all three credit-reporting bureaus. On XXXX XXXX, 2017, a credit alert was forwarded to my credit monitoring account stating the following : Your FICO Score has decreased by 31 points. XXXX XXXX has flagged your account as Collections. Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores.
The following account was removed from my credit report previously, but has reappeared after it`s been sold to another collection company. This activity has affected my credit score by a decrease of 31 points, while I`m currently in the process of obtaining a mortgage.
I would like this item remove from all 3 credit-reporting bureaus and my credit score restored to my previous score. A thirty one point drop is very excessive for one collection account. Thanks for your time, support and understanding XXXX XXXX XXXX
|
| 12/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing concerning my request that the accounts placed in collection, on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. I shall list a few of the problems with this account. This is a formal request a block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of : Beginning ( 4 ) business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) a check services company shall not report to a national consumer reporting agency described in section 6039 ( p ), any information identified in the subject identity theft report as resulting from identity theft.
Firstly California Statute of Limitations is 4 years for Collection of Debt on Account is 4 yrs. ( book and stated accounts ) Civ. Proc. 4 yrs. ( book and stated accounts ) Civ. Proc. 337
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was on my XXXX credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called XXXX an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from Convergent Outsourcing Inc then i immediately hung up and contacted Convergent Outsourcing Inc on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with XXXX about 2-3 times already then XXXX was twlling me that the account is valid and I never made any payment. Convergent Outsourcing also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and XXXX. XXXX took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment.
|
| 11/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt was owned by a previous debt collection company known as CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX I was sent a letter claiming a debt of a different amount from the following company was owed by the same original debtor with the same account number. I requested further documentation such as a full account summary and the original contract with signature not only did they not respond within 30 days. But when I finally received communication they had sold my information WITHOUT my consent and were were not able to produce any valid documentation as well as stated this collection account is and never was in there system. This debt was then disputed. XXXX Report Number XXXX Date : XX/XX/22 My information was then sold to And purchased by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX.
XXXX XXXX XXXX is in violation of 15 U.S.C 1692g, 15 U.S.C 1692e misrepresenting the amount owed, possessing my sensitive information without my consent, and have not been able to produce a license number to confirm they are legally able to collect such debt.
Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history they were not able to provide this.
|
| 06/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX/XXXX XXXX evidently turned over an unknown account to a collection company called Convergent. I have not received any correspondence from this company or phone calls. I work for a small company as in order to purchase office supplies, etc., I have a business account. My BOSS, my BOSS, came into me this morning and handed me a collection bill that was sent to HIS HOME. Again, the boss of my company received a collection notice with my name mailed to his HOME ADDRESS. I have never used his home address but have been told as an add on to his business card, it is possible his address is listed on my credit report. This company said that had my current home address but changed it to my Bosses home address. I am mortified. The representative for Convergent could not give me any answer as to why and his supervisor only told him to be a " cease contact '' in my profile to no longer contact me. I need to they could have attained my bosses HOME address, not work and how it is legal for them to send any personal correspondence about me without verifying addresses. I am worried I am going to lose my job. I need explanation from this company and what resources I can take towards releasing personal information to my employers home address.
|
| 05/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
Convergent company started calling my home regarding an energy debt, I explained to them that I do not pay energy bills where I reside, I have been a resident here for over 25 years, and our complex has its own power plant whereby energy bills are included in our monthly maintenance bills. On XX/XX/2023, I received a letter regarding the energy debt in the amount of {$200.00}, after receiving the bill I called and spoke with XXXX XXXX, she promised that she would take care of the issue and that I did not have to do anything, On XX/XX/2023, I called again to plead my case. I decided to apply for my credit report, and it's a good thing that I did, because Convergent is on my XXXX report. I decided to give Convergent one more chance to clear this up. On XX/XX/2023, I called Convergent again and spoke with XXXX XXXX, XXXX XXXX asked me if I received a fraud package in the mail from Convergent, I told her that I had not, XXXX XXXX said that is the only way they would remove me from the collection list. I ended the conversation. I am a XXXX XXXX, worked over 35 years in the city of XXXX XXXX, I pay bills that I incur, I do not borrow or owe anyone or company anything. I would appreciate it if this Convergent company would go away and leave me alone.
|
| 07/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Convergent Outsourcing notified me of a debt that had from XXXX in the amount of {$1200.00}. I called them on XX/XX/2020 to try to settle the debt with them. I told them I had {$700.00} to pay and they said the settlement amount they could take was {$810.00} which I agreed to. I paid {$700.00} electronically that moment then scheduled a payment for the {$11000.00} for XX/XX/XXXX. I have email confirmations of both payments and records of the payments out of my checking. On XX/XX/XXXX they reported to the credit bureaus that I owed them {$550.00} still and reflected this in their system. I called them on XXXX to confirm payments went through and debt was settled. I got confirmation over the phone and requested an email showing that. Never received it. On XX/XX/XXXX they again reported to the credit bureaus that I owed {$440.00} and again I called them on XX/XX/XXXX. Again got confirmation this was being fixed and documentation sent out. I have yet to receive anything from them. I called once again on XX/XX/XXXX and said they couldn't find my account then told me they handled XXXX XXXX XXXX customers not XXXX. I have been trying to buy a house and this caused me to lose my offer on a property. I don't know how to get this fixed at this point.
|
| 05/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 davs and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal proteccin consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed IMMEDIATELY!
CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a collection letter from Convergent Outsourcing Inc of XXXX on a debt that has been paid. Their file number is XXXX They claim the collection was purchased from another company called XXXX XXXX XXXX. The debt stemmed from a credit card at XXXX XXXX XXXX, since purchased by XXXX. It is a settlement offer on a {$10000.00} debt for {$3800.00}.
In XXXX, I was sued for the balance and it became a judgement in XXXX County Oregon, Case # XXXX. In XXXX of XXXX, I was contacted by a collection company regarding this judgment. It was settled in XX/XX/XXXX. The judgment was released in XXXX of XXXX. Copies of correspondence is attached to this complaint.
This is the second account that Outsourcing has contacted me about. The first one was uncollectable and they clearly had written on their collection letter is may be reported to the Credit Companies. That statement is incorrect. The ultimately sent the file back after being contacted by you. I believe they are engaged in a scheme to collect debt that is not owed. This matter, together with the other one is causing undue stress in my life. I do not want to ever hear from then again for any reason, It should be noted that I legally changed my name to XXXX XXXX. It is no longer XXXX XXXX.
|
| 02/06/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2018 I was notified by XXXX, a service of XXXX that a new collection account was added to my credit report. After finding the entry, I looked up the company that had placed it, XXXX XXXX XXXX, found their website and filed an inquiry into the account. I received an email response that did not acknowledge the account or address the information I provided them regarding the ID theft and fraudulent account report. I provided them with the FTC ID Theft Report number, Information about the original account fraud notification to all 3 credit reporting agencies, and the fraud notice on my credit reports. This particular ID Theft event was a closed matter. Some entity has sold the account, knowing it was ID theft to another collection agency, which is allowing this to continue. It should be illegal to sell an account that has been attributed to fraud or identity theft to another collection agency. Especially without having to ever notify the consumer. I was never contacted or notified about this debt until it was reported on a credit report. That is when I first learned of the account. I have been a XXXX customer in my home state, 1000 miles from the ID theft location, for years. XXXX never contacted me about this account! This is wrong.
|
| 04/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt. In XXXX XXXX 2016, I started the process of purchasing a home. In XXXX XXXX 2016, when about to close on my home, I was informed that I had an outstanding collection that had appeared out of no where from this company stating that I owed XXXX for an unpaid bill. I was unaware of this debt until that time. At that time, I called Convergent Outsourcing, Inc. and inquir ed about the debt, they asked for all the information and concluded that it could be a case of fraud. At that time I asked for proof the debt so that I could provide proof to my lender that it was not my debt so that I would not be disqualified from purchasing the home and I was informed that they will send out their fraud packet as well as proof and as of this date, I never received said documents. I have took it upon myself to dispute the debt by sending in proof of my identification and st ill this company is trying to hold me accountable for this debt. I recently contacted the XXXX major credit bureaus with a XXXX letter to re-investigate this debt and I ha ve recently been informed from XXXX , that the item has been verified and reported correctly, however, I still have not received documentation validating this debt as mine.
|
| 10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Hello, I had used XXXX phone number between XXXX and XX/XX/XXXX. I was valuable customer and paid all the bills on time. Before cancelling the service, i contacted with one of the representatives and requested to cancel my service and made sure everything was fine at that time. Then after cancelling my service, until now i have received bills to pay and now even collection company named XXXX XXXX XXXX has still been calling me to pay for the service of XX/XX/XXXX. At that time i had already cancelled my service with the company and did not even use one day of service. I tried to explain that i had already cancelled when the collection company called me but they just told me to pay money for the service I did not get. I tried to contact with XXXX company to figure out whats going on and they asked me to pay different amount of money for different duration of billing period than collection company. Therefore, I can verify that I am still receiving bills from XXXX company even though I stopped service over a year ago. This XXXX company gave my information to another debt collection company besides this one too. I have email from that company.
Please help me figure out what is happening.
Thank you so much for your time and consideration
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account Resolution Corp ( original creditor not listed ) account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX Convergent Outsourcing XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois.
Your immediate response will be greatly appreciated.
XXXX XXXX XXXX
|
| 12/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX, I have purchased an XXXX from XXXX XXXX paid in full. They kept sending me bills saying I have't not paid even though my credit card statement said otherwise. With months of back and forth with the company, they finally told me they have resolved the issue. However early XX/XX/XXXX, they sold my supposed debt to a collections agency and ever since then I have been harassed by them at least twice a year. I have send certified emails to these debt collection agencies saying I do not owed anything and yet they kept selling my supposed debt to other collection agencies.
Recently XX/XX/XXXX, I got a mail from XXXX XXXX XXXX debt collection once again saying I owed this supposed dent. I once again send them a certified mail saying no I do not owe. XX/XX/XXXX, they send me a mail saying they reached out to XXXX, their client and their records indicated that I still owe and need to provide them with proof. Which I have credit card statements and payment confirmation from XXXX that I have already paid back in XX/XX/XXXX. This is emailed to them and will also send a paper copy via certified mail.
The supposed debt i owe is XXXX. Please help me to stop convergent from harassing me repeatedly when I do not owe money to them or XXXX.
|
| 04/01/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
On XX/XX/2021, I received an e-mail alert from XXXX credit bureau that a delinquency notation was placed on my credit report by Convergent Outsourcing ( XXXX, WA, XXXX ) that an unpaid XXXX bill was overdue, in the amount of {$3200.00}. I contacted XXXX on XX/XX/2021 and was told that my social security number ( SSN ) is not on-file with them, because, I have NO ACCOUNT with them. In addition, and most relevant, I DO NOT OWN a mobile telephone. XXXX instructed me to contact my local police department and report said fraud. I contacted the XXXX County Sheriff 's Department ( Maine ) and reported the fraud to Deputy XXXX XXXX ( Case No. XXXX ), who advised me to contact your agency. I have attempted to contact Convergent Outsourcing and was told that they receive all information from XXXX, concerning my debt and SSN, BUT XXXX does not have my SSN, because I never had an account with them! Convergent Outsourcing offered no help in this matter! Therefore, the question is : how did Convergent Outsourcing report my delinquency to XXXX, employing my SSN, if XXXX does not possess my SSN and could not have given my SSN to Convergent Outsourcing? Would you please assist me in removing this delinquency notation from my XXXX report. Thank you.
|
| 01/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company Convergent called the company my daughter works for in another state asking for my name. The called the company main line which is an XXXX # and we do share the same last name. So immediately those called were looked at as her taking personal calls directly through the company business line. They called 4 or 5 times, and after she told them to stop calling, they still called her company, which I am not affiliated with in any way. So my daughter is in trouble at work because these people were looking for me and kept calling.
I called them back asked them how they even got her number, they said through skip tracing. I asked him why not contact me directly or send mail. He asked if I never received any mail from this cable company, and I have not. My number is the same as it was back in XX/XX/XXXX and they never called me.
They told me the debt is on behalf of their client for cable service at my address from XX/XX/XXXX-XX/XX/XXXX, I did n't live at this address at that time. I 'm not sure if the original company is trying to put the previous tenants debt on me, but I was not living here until a year later and had no service from them. Actually I had no cable at all. They said the debt was {$1000.00} but its now {$36.00}.
|
| 05/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In XXXX I closed my XXXX cable account by paying what I owed in full. I would not have been able to closed the account without paying what I owed first.
I received a bill from XXXX XX/XX/XXXX ( over two years later ) stating that I owed {$180.00} without any documentation as to why I owed this. I contacted XXXX Customer Service and was informed that they had just updated their software systems and they alleged that I owed the {$180.00}. I told customer service i closed my account two years ago and it was paid in full at that time. Customer service could not provide me with any information as to why I owed this debt two years later, other than that there was a computer glitch. As far as I know, a company ca n't just make up a debt and say you owe it without physical evidence.
A week after I received the bill from XXXX XXXX, My alleged account has now been turned over to a collection agency called Convergent on behalf of XXXX XXXX, stating that I owe the {$180.00} and need to pay it immediately.
These are the alleged account numbers ; XXXX account number XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Convergent Outsourcing, Inc. account number XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I do not owe this money, and I request that you help me.
|
| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX XXXX my husband signed a contract with XXXX for phone, internet and television service. At the end of the contract we returned all of the equipment in person and paid the balance of {$150.00}. We had received several Debt Collectors letter to pay the same amount. Unfortunately, those letters I shred because we went to XXXX and spoke with XXXX of the employees who checked and saw that we did not owe anything. I even called at another time and spoke to a female supervisor who apologized and said this will not happen again. So I took her word and destroyed the letters.The last time I went to XXXX office was XXXX/XXXX/XXXX after I received another letter from XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX. I spoke with a XXXX XXXX and she told me everything was paid up and that she will inform her supervisor and that we should n't be receiving any more letters. Yea, right. I have another later dated XXXX/XXXX/XXXX from Convergent Outsourcing, Inc. still claiming {$150.00} on behalf of XXXX. My husband is a sick man and we are tired of this harassment. There were different times they threatened that they will disconnect our service. Since the contract expired we have not used XXXX because we have another service provider. Please help.
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from Convergent Outsourcing on or around XX/XX/XXXX that was dated XX/XX/2020 stating that they were representing XXXX in the amount of {$3100.00}. The letter stated that I had 30 days after receiving the letter to notify them that I was disputing the debt. I wrote to them at the P.O. Box that they listed in the letter, disputing the debt and requesting validation of the debt on XX/XX/2020 via certified mail. According the USPS, the letter was available for pickup for them at XXXX XXXX on XX/XX/2020. To date, I have not received any additional correspondence from Convergent Outsourcing. Today, I was notified that Convergent Outsourcing has reported this debt to all three credit bureaus, but neglected to provide me with validation of the debt. They state on their website that they do not own the debt and are not always provided with itemized statements. They go on to say that they will request the information on your behalf from the original creditor and will mail that information to you when they receive it. I assumed that they were still in the process of requesting the information and was quite surprise to learn that they have reported the debt to the credit bureaus without providing the validation of the debt.
|
| 07/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had recently submitted a complaint in regards XXXX XXXX for an collections account of {$370.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.
I would like to request for XXXX XXXX to remove this account from all credit bureaus ( XXXX, XXXX & XXXX ).
|
| 09/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A company called XXXX XXXX is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$600.00} but I have never done business with them and I have never received any letters or notices from them. The account number from Convergent on my credit is : " XXXX ''. This is the second collection company within the past year to try and collect this same exact sum of money from me. Another company called XXXX XXXX XXXX is also currently working trying to collect {$600.00} but they have a different account number. XXXX XXXX 's account number is # XXXX. How can it be possible for two collection companies to try and collect on the same debt? Is n't this illegal? Also, why did XXXX XXXX not send me a notice of my right to dispute this debt before they reported it to my credit? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these two companies. There is a 97 % negative review rating and over 923 consumer complaints listed on the XXXX XXXX XXXX XXXX website for XXXX XXXX! I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
|
| 01/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I 'm sorry to say I don ; t have the exact date I purchased a wireless home phone from XXXX but it was in 2016. It came with a 14 day return policy no questions ask, so, because of low quality performance on the equipment I decided to return it within 7 days, remember I had 14 days to return it. So I took it in to the XXXX store here in XXXX, tx only to here them say I would owe a restock fee, that 's strange because at the time I made the purchase the sales person never once mention a restock fee, I informed them of this fact but they insisted that I owed the restock fee. The said it was in the paper work but they neglected to inform me of this. They became rude and started calling me trying to collect this restock fee but I refused because of their neglect to inform me.
So now XXXX has turned it over to a company called Convergent XXXX XXXX the account number is ....
XXXX I had already been in the hospital with a XXXX issue going on and did n't need this kind of non sense. Now they ( Convergent ) has reported this to XXXX FICO 8 score further damaging my report. I want this non sense removed from my report.
Thank you in advance for your help, I have herd you guys are great with helping people resolve issues.
Thanks XXXX
|
| 02/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CONVERGENT OUTSOURCING, INC. for committing identity theft. I have never given CONVERGENT OUTSOURCING, INC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CONVERGENT OUTSOURCING, INC. can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and CONVERGENT OUTSOURCING, INC. continues its collection efforts, I will file for litigation for actual damages caused and CONVERGENT OUTSOURCING, INC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # xxxxxx XXXX
|
| 09/30/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is illegally trying to collect a payment that is fraud. I turned in my equipment on time and at that time paid my final bill. I asked them at that time if I am paid off and they said yes. This was XXXX.
Now in XXXX of this year, I have a surprise collection account on my credit from an agency called Convergent Outsourcing for {$270.00} with no former information.
I paid this in full. Many times cable companies try to commit fraud and bill you for nothing.
This is what is happening here. They should not be able to get away with this and have already destroyed my credit score. I paid them in full at the time I gave in my equipment.
The collection was put on my account on XX/XX/XXXX. The account number is # XXXX The law says cable companies are not supposed to put collection accounts on your credit report particularly if it is fraudulent because they do this.
Convergent Outsourcing Collection Agency XXXXXXXX XXXX XXXXXXXX XXXX, Washington State XXXX. No phone number provided, no real address provided.
Why would I not pay my bill in full at the time of returning my equipment. This is a pattern with cable companies.
Please ask them to remove this from my credit report. It is fraudulent.
Thank you
|
| 03/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2017 I notice a collection from XXXX XXXX XXXX for the amount of {$970.00} from XXXX XXXX and I disputed the collection with XXXX and they couldn't fix anything in my credit report because I have an ITIN Number.
Now I don't know how to remove that collection from my credit. I called XXXX XXXX XXXX Their phone number is not valid. There is no way to contact XXXX XXXX XXXX.
I called XXXX XXXX collection department and they said : The account was open in a different name and address than mine. Don't worry they said, we are going to investigate this fraudulent account.
Its been about 5 months today and XXXX XXXX XXXX still show in my credit report and now I got a call and a letter from a different collection agency ( XXXX XXXX XXXX ) saying same thing, I own to XXXX XXXX {$970.00}.
I contacted XXXX XXXX and I'm disputing this supposedly new collection hoping that it will not show in my credit report like the one from XXXX XXXX XXXX because i called Called XXXX XXXX Sales, Billing and collection and customer service again and they just either hang up on me or they just wouldn't find the fraudulent account.
I need help and resolving this issue since XXXX XXXX is not taking the necessary action in my behalf. XXXX Bless
|
| 08/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On approximately XX/XX/XXXX ( and many times thereafter ), I had my credit reviewed by the VA home loan center. During the initial credit check, the collection account for XXXX through CONVERGENT OUTSOURCING was not listed. Furthermore, there was no indication of a past due balance owed to XXXX at any point until today XX/XX/XXXX. This debt collection agency purchased a 7-year-old debt for pennies on the dollar and is attempting to collect an inflated amount. Not only has the statute of limitations ran its course for this account, but it is currently listed as 'charge-off/ uncollectible ' with XXXX How despicable does this agency have to be to firstly, fail in providing us a payment option if it were still collectible and secondly, failing to provide sufficient notice prior to this account being placed on my credit? Ultimately, they are hindering a home loan approval with their egregious attempt to collect on an already 'charged-off ' account. After speaking with and being transferred to several agents of theirs, we were met with uncaring associates and no options but to pay the {$330.00}. After explaining the proof of the legal timeline for this old account, the agents said they can only go by the dates they obtained it.
|
| 10/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received a notice today from Convergent with a " account number '' and a request to settle a debt of $ XXXX for $ XXXX. Alleged debt is from XXXX. I have never received a required VOD notice under the FDCPA, Convergent 's letter gives you no options to dispute the debt and their tactics are very deceptive and abusive. On the back of the alleged account statement in fine print is the following notice " The law limits how long you can be sued on a debt. Because of the age of your debt XXXX XXXX XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. Convergent Outsourcing, Inc. can not sue you on this debt and Convergent Outsourcing, Inc. can not report this debt to any credit reporting agency. '' This notice is clearly a UDAAP violation. Also I have no idea who XXXX XXXX is and again have never received a VOD notice. Recommend the Bureau send this to Enforcement and bring an action against both companies. Also recommend the Bureau continue their work on Reg. F, which will help fix these predatory tactics. Finally Convergent and XXXX XXXX ( whoever they are ) must cease and desist all communications with me as I do not owe this debt, do not know this debt and do not know these companies.
|
| 11/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Informatio In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; it is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
|
| 09/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/XXXX This is concerning a time-barred-debt from the year XXXX. Multiple collection agencies have harassed me from XXXX to current XXXX.
Please see attached correspondence each time I have filed with the CFPB.
Now for the second time Convergent has been calling me and leaving me messages in the months of XXXX, XXXX and XX/XX/XXXX, leaving me partial recorded messages with a number to call. I have refused this time to call them.
Today, XX/XX/XXXX I received yet another letter attempting to collect on the same time-barred-debt as they did last XXXX XXXX. Please see their attached response ( Adobe doc ) telling me they are not handling the account after I informed them at that time it was time-barred. They were working for XXXX XXXX XXXX XXXX at that time.
Now Convergent is representing XXXX XXXX, XXXX. The names change but the Time-barred-Debt does not. In fact its older now than it was five years ago when this circus started.
I have attached every correspondence I can from XXXX through now XXXX including last years correspondence when 3 companies were trying to collect from me simultaneously.
I want the calls and letters to STOP regardless of the whos who of the latest flavor of collection agency of the week!
|
| 11/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
This is a debt with XXXX, which was sent to a collection agency ( Convergent ) I called in XXXX to verify the amount owed. I was first hung up on which was a Saturday. I called back the following Monday and spoke to a rep named XXXX XXXX. I was given the amount owed of XXXX ... I advised I did not have XXXX she then gave me a settlement offer of {$10.00} ... I made a payment of {$50.00} XXXX XXXX, and {$650.00} XXXX..when I called in to pay the balance of XXXX on XXXX, she then adv 'd me that XXXX sent in more charges of the phone itself that not had been fully paid ... the balance then came to {$1300.00}, which again made a settlement offer on that of {$1100.00} ... therefore now XXXX seperate settlements on the same account. I paid {$100.00} on XXXX XXXX, 2016, {$100.00} on XXXX XXXX, and {$100.00} on XXXX XXXX, 2016 which leaves me a balance of {$840.00}. I called today XXXX/XXXX/16 to verify my payments. The rep then told me there are more added charges from XXXX, when I had infact called XXXX, and the XXXX was the last of the charges. The charges that were added when I called on XXXX, she is trying to put back on by balance.
This company is a lie. I am so upset. It seems like everytime I call, they add more charges
|
| 08/01/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am in the middle of refinancing my home mortgage when I was told my credit score dropped from the XXXX to the XXXX because of a $ XXXX collection. When I pulled my credit reports there is a company, XXXX XXXX claiming I owe an education debt of $ XXXX. I have two student loans, one with XXXX and one with XXXX, both of which are current and I have never missed a payment. When I contacted XXXX XXXX I asked for the original creditor or account holder. They would not provide me with that information, only that it was XXXX XXXX University. I never attended XXXX XXXX University, I 've never had a student loan in this amount either. I asked for the original documents and I was told they would be mailed to me. I called Convergent back a second time requesting some additional information and I was told that there were no notes in my file to send me the original documents. Convergent also told me this is from a debt in XXXX, which is far outside the Florida Statues of limitations. I have never had any other collections on my credit report regarding this account XXXX XXXX is claiming I owe. Please investigate XXXX XXXX. I have researched them myself and they are well known for fraudulent collections similar to mine. Thank you.
|
| 06/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call repeatedly. Sometimes 2 or 3 times a day. When I answer they hang up. If I do n't answer, it goes to voicemail and they do not leave a message. If I call them, it hangs up.
After about a month I decided to call until I got someone on the phone. After several calls, I got an automated message telling me someone would be right with me. When it finally connected to someone, they hung up. After repeated attempts, I got a person on the phone. I repeatedly asked that they identify the company and they refused. Only after I identified myself and threatened to report them to our Attorney General did they identify themselves by name only. When I asked the purpose of the call, their only response was to ask information about my paypal account. When I refused, they hung up.
I researched the company online. They are a debt collection company. As such, I feel their actions are a clear violation of the Fair Debt Collection Act. Specifically, subsection 806 Harassment or Abuse. They repeatedly called, only to hang up when someone answered, which can only be considered an intent to harass. Also, they placed calls without meaningful disclosure of the their identity, and when requested to identify themselves, they refused.
|
| 12/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This letter shall sever as my formal and last notice of my intention to file suit against your organization in small claims court on due to your blatant disregard of the law, by reporting inaccurate information on my credit file. In 2017 " XXXX '' one of the 3 major Credit reporting agenices leaked the data of XXXX XXXX Americans, including myself. As a result of this breach, I have become a victim of identity theft, leaving my credit file tarnshed and my overall credit score destroyed.The data breach exposed ( My Name, Birth Date, Address, Phone Number, Social Security, as well as my Drivers Licenses number ) .This negligent on " XXXX XXXX part, will leave my personal information permanently available for access at any time. I will forever have to look over my shoulder, check my credit score for accuracies, and fear of someone using my personal information, this has caused me a lot of mental and emotional stress, knowing that my peronal information is in the hands of " The XXXX XXXX Hacker ''. Your company is in direct violation of the Fair Credit Reporting Act, due to the " XXXX XXXX Security Breach ''. I am demanding the incorrect information reported as aresult of this breach be removed upon receiving this letter.
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ s ] on credit report Convergent Outsourcing I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, Consumer Report ] I would like you to remove all the inaccurate and misleading information from my credit report. The reporting details have adversely affected my credit worthiness and hampered my chances of acquiring a home loan. I do not have a place to go. I was in the process of closing on the home and now Im unable to with this collection on my account.
I have paid and settled the debt the first day of receiving the debt notification that was paid on XX/XX/2023. Convergent Outsourcing has closed out my account the debt is now settled and closed.
I am requesting a courtesy removal to remove both collections account from XXXX XXXX XXXX account. This will continue to affect me for 7 years. Can you please remove both accounts as a one time courtesy so I may move forward with securing a place to live. Please, my family and I will not have a place to live.
Please investigate this matter and delete the disputed item as soon as possible.
Sincerely, XXXX XXXX XXXX
|
| 06/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I sent XXXX and Convergent Outsourcing ( original creditor XXXX XXXX account # XXXX ) a followup letter regarding an alleged debt collection on my credit report by the company " Convergent Outsourcing ''. XXXX has responded to my verification letters sent on the the aforementioned dates above. XXXX has sent me a letter dated XXXX stating that the collection account has been DELETED but the account still remains on my credit profile. The account numbers shown on the letter sent from XXXX are different from the account number shown on my actual credit profile. It has now been over 30 days since the original dispute on XX/XX/XXXX. They are in violation of my rights under the " Fair Credit Act '', for not removing inaccurate information off my account of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both XXXX and the creditor, Convergent Outsourcing, for their failure to remove the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my XXXX credit report.
|
| 09/12/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
1. ) Received emails from XXXX XXXX stating a purchase made in XXXX, XXXX which I replied that I never made a purchase or have an account with XXXX XXXX. I called the XXXX XXXX XXXX XXXX. and that I never applied for an account or purchased any items. I proceeded to freeze my credit accounts with XXXX, XXXX and XXXX and have reported to then the wrong addresses on my report and all the hard inquiries and accounts in dispute. I received a debt collection notice on XX/XX/XXXX from Convergent - XXXX # XXXX - for XXXX XXXX account XXXX XXXX requesting payment of {$2200.00}. I have notified them on-line of my dispute with this debt- identify theft/fraud. I noticed on the 3 credit reports of 2 New York addresses that are not mine and are currently being investigated -- Addresses are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. My credit score has dropped due to the identify theft/fraud of my name, personal information. 2. ) Received in the mail XX/XX/XXXX from XXXX XXXX XXXX - Reference # XXXX of an account that was not approved from a XXXX XXXX XXXX card. I never applied for this credit card - again identify theft/Fraud. Please resolve this issue. Thank you.
|
| 08/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I began to review my credit earlier this year and noticed several inaccuracies. Letters to all bureaus were mailed approximately around XX/XX/2019. Follow up letters were then mailed approximately around XX/XX/2019. Out of an abundance of concern, I requested that VALIDATION around XX/XX/2019 in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter.
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. This account was deleted from my credit reports only to be sold to another company and reported again as a new debt. They have YET TO PROVIDE ME WITH VALIDATION OF DEBT IN ACCORDANCE TO THE LAW. THEY ALSO HAVE YET TO DELETE THIS FROM MY CREDIT REPORT.
|
| 06/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
At the end of XX/XX/XXXX, around XX/XX/XXXX, I received a bill from XXXX XXXX for {$140.00}. My usual bill was {$55.00}. I called on XX/XX/XXXX to find out what was going on. They informed me that my bill went up as an introductory offer ended. At that time, I had already paid my usual portion of the bill. Unable to come to any agreement with a new price, I cancelled service. XXXX XXXX told me to wait until I received a box from them and then mail equipment back ( which I did ). I waited until the end of XX/XX/XXXXto receive a final bill. I paid the remainder of the triple bill as well as the first week of XX/XX/XXXX ( check XXXX for {$100.00} ). XXXX XXXX is reporting that I need to pay for the entire month of XX/XX/XXXX, even though service was terminated on XX/XX/XXXX and equipment returned the following week. They have turned the bill over to a collection agency " Convergent '' who is calling up to 5 times a day at all hours. They have told me if I don't pay they will be sending police to my house to arrest me. They have called at XXXX in the XXXX ( waking up everyone in the house ). I have tried to talk to XXXX XXXX but their response was " this is our policy. You have to pay. There is nothing I can do ''.
|
| 08/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
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| 04/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I filed a previous complaint about Convergent Outsourcing back in XXXX of 2021 because they were attempting to collect a debt that was already paid and should have NEVER been in collections. CFPB erroneously closed that complaint and since then I have received horrible and illegal treatment by Convergent Outsourcing. After confirming that my debt was paid, Convergent Outsourcing is now attempting to extort me for {$110.00}.
Convergent Outsourcing is claiming that if I pay this amount then they will recall the debt and remove it from Credit Bureaus. I would like to note that Convergent Outsourcing themselves claimed in my previous complaint with the CFPB that this debt was PAID IN FULL to the original creditor. Therefore, they should have never reported it to credit bureaus since they do not, and have never, owned the account. Now, even though the balance I owed the original creditor was PAID IN FULL, they are attempting to extort me to get it removed from my credit report. This is illegal and my rights are directly being violated by Convergent Outsourcing. I have consulted with legal counsel and I intend of pursuing legal action to the fullest extent of the law if the CFPB does not rectify this immediately.
|
| 07/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX, XXXX, and XXXX are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct.
I have requested debt validation, yet I have yet received any information in over 90 days. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file.
The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.
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| 07/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is XXXX XXXX address XXXX XXXX XXXX XXXX. I have sent several requests for proper debt validation to convergent outsourcing XXXX XXXX XXXX XXXX XXXX WA XXXX. I have not received it proper debt validation. They keep sending me information which is not relevant. This company received and signed for the letters I sent them. They are continuing to report this account in my name constitutes collection activity specifically prohibited by the FDCPA.
Here are the statutes in which your company they are in violation : 1. Failing to cease collection of an alleged debt after the Defendant notified Plaintiff in writing that the alleged debt was disputed, therefore violating FDCPA 15 USC 1692g ( b ) 2. Falsely representing the amount of the alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ).
3. Failing to report an account as disputed on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports.
4. The threat to take any action that can not legally be taken or that is not intended to be taken, thereby violating FDCPA [ 15 USC 1962e ] ( 5 ).
They are in violation of the FCPDA.
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| 04/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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MY NAME IS XXXX XXXX PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, Convergent outsourcing, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein.
|
| 07/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
|
YOUR COMPLAINT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX, collection agency. They are claiming I did not pay for valid services received and are attempting a fraudulent collection by using the credit reporting agencies as an illegal collection vehicle. The original communication was dated XX/XX/XXXX claimed they were collecting a debt for XXXX XXXX and had an amount owed as {$60.00}, they are now attempting to collect {$1600.00}.
XXXX XXXX sent me a letter in XX/XX/XXXX and on XX/XX/XXXX claiming I now owed {$260.00}. I replied in writing disputing their claim. Their reply was a copy of a original XXXX billing dated XX/XX/XXXX, that showed a {$60.00} balance due. They have never replied to my specific written communication to them disputing their claim and asking for further verification, XXXX said they withdrew the claim on XX/XX/XXXX yet XXXX XXXX is continuing to attempt to use the Credit Reporting system as collection technique.
No specific response to my denial of the debt was forthcoming and as of this date I have not received any further communication from the XXXX XXXX. My only source of current information is seeing their name on my credit report.
The above is a Scheme praying on consumers.
|
| 11/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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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.
|
| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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In accordance with the fair credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The convergent account XXXX XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$1600.00} and CONVERGENT OUTSOURCING account number XXXX date opened XX/XX/XXXX balance {$1200.00} has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any customer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 s-2 ( a ) ( 1 ) 15 USC 1681 c ( a ) ( 5 ) 15 USC 1681 section 602 A 15 USC 1681 section 604 A section 2.
|
| 08/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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In XX/XX/XXXX I sent a letter to XXXX XXXX requesting that they Validate NOT verify a debt that they are attempting to collect from me. Not because I was notified of any debt but because I saw it on my credit report however, I never received a response. As a result, I disputed the account with all three credit bureaus several times might I add, and each time I received a response of account verified as accurate and/or " meets requirement of the fair credit reporting act '' with no supporting documents. This was found not to be true when I finally received a letter from XXXX XXXX with a billing statement attached in XX/XX/XXXX stating debt is valid, attached is verification of the debt ''. A billing statement does not prove that this is my account/debt nor I am obligated to pay them. In addition to that I walked inside of a XXXX store and asked would they be able to provide me with a signed copy of an original contract and was told no they could not. I would have to contact the creditor on my credit report and they could not provide me with any proof that no such account did or did not exist or of my inquiry. XXXX XXXX is reporting delinquent information to the credit bureaus that I am asking to be deleted.
|
| 01/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
|
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This debt was paid off almost two years ago, I paid the debt almost {$600.00} dollars to this debtor. I called obtained my final bill amount the male representative gave me a amount I explained to him the send a bill every two weeks and to please advise me what I am being billed for he stated honestly he did n't have any idea he only shows my payments on accounts told me to pay {$250.00} last bill it was paid and they sent a independent contractor to my home to pick up my equipment and that was it I switched my services. I have seen on my credit report where this same debt has been removed five times and now they placed it back on my credit I am upset about this and I feel this should not keep appearing on my credit report as I have paid this off and have my bank statements to prove it. XXXX is a very unfair company who gives you the run around and keeps charging people for ridiculous amounts twice within the same month not monthly and ca n't explain what exactly you are being charged for this has been on going for almost three years now with this being now XX/XX/2017 and they removed the same debt and have placed it back 5 times they should be ashamed of themselves I would never recommend XXXX to anyone!!
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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I filed complaint number XXXX with you regarding XXXX account filed by XXXX on my XXXX credit report. You sent my complaint to the Credit Bureau asking for VALIDATION. CONVERGENT BOUGHT THE DEBT AND sent me a letter saying that they " verified '' the debt on XXXX XXXX XXXX I then called XXXX again. I initially called in XX/XX/XXXX and obtained Reference # XXXX ; I called again XX/XX/XXXX, reference # XXXX ; and XXXX XXXX XXXX reference # XXXX. Each time XXXX said I DO NOT OWE THE DEBT AS THE DEVICE WAS RETURNED DURING TRIAL PERIOD. I filed the complaint with you. CONVERGENT RESPONDED BUT did not VALIDATE THE DEBT. I sent them a letter which I will attach. I will also attach their response. I have been denied credit because of fraudulent reporting of this debt. They have violated my rights AGAIN. I WILL ALSO REPORT THEM TO FTC. XXXX should immediately remove this from my credit report, and Convergent should destroy this debt and not sell it to someone else. IT WAS ALREADY REPORTED TO YOU AND THIS WAS THEIR RESPONSE, JUST TO SEND AN OLD BILL WITHOUT VALIDATION. I HAVE THE RECORDED CONVERSATION OF ME AND XXXX FROM XX/XX/XXXX, BUT THERE IS NOT A WAY TO UPLOAD IT TO YOU. I WILL KEEP IT FOR COURT IF I HAVE TO.
|
| 11/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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On my XXXX credit report there is an entry for XXXX cellular service. The company reporting this information to XXXX is Convergent Outsourcing. The XXXX report shows an " Open Date '' of XX/XX/XXXX, which is incorrect. I disputed this information with both XXXX and Convergent, and finally with no action on either of XXXX 's or Convergent 's as asked for a Method of Verification, as I informed them the date was incorrect.
Today I received the Convergent response. They advised the account was " verified '' as valid and advised the verification was attached. Convergent attached some paperwork from XXXX which shows calls between XX/XX/XXXX to XX/XX/XXXX, yet they still report to XXXX the account was opened in XX/XX/XXXX. I'm at this point at a loss to even explain the XXXX of this dispute, In short the dispute I made ( Incorrect Open Date ) was not even addressed by the company I disputed it with. Furthermore the information provided to me by the reporting agency to verify the debt, ( XXXX Bill ) PROVES my claim the open date is incorrect by 4 years.
This does not seem to be a simple " Mistake ''. A company that has access to this information does not read a date? The is an attempt to re-age the debt.
|
| 10/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Company : XXXX XXXX XXXX XXXX .
Amount : {$1700.00} Dispute Letter Send Out XX/XX/2018 XXXX XXXX XXXX trying to collect on a debt I Do Not owe. XXXX XXXX, XXXX had sent an account to a debt buyer XXXX XXXX XXXX, I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. Around XX/XX/2018 I was notified that XXXX XXXX XXXX had reported on my reports and the original creditor was XXXX. I received a collection letter from Convergent claiming I owed the debt so I requested a Debt Validation to supply me with the original contract with my name on it. XXXX XXXX, XXXX and/ or XXXX XXXX XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX with the Federal Trade Commission.
Note : An attempt to contact Social Security Service by phone at ( XXXX ) XXXX was made on XX/XX/2018. Call was not answered and a message was left with the answer machine.
|
| 03/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a letter from XXXX XXXX, XXXX on or around XX/XX/XXXX. They letter said I owed their client, XXXX, for some sort of service or product. I sent a debt validation letter to Convergent via USPS certified return receipt on XX/XX/XXXX requesting that they validate the debt. They received my letter on XX/XX/XXXX @ XXXX XXXX. I specifically asked that they provide the following : -Proof that they purchased or was assigned the debt by XXXX XXXXCopy of a signed contract proving that this is my debt -Complete billing ledger that outlines how the alledged debt was incurred with dates.
On XX/XX/XXXX, I received a letter from Convergent stating that they have validated said debt and had attached a copy of an invoice that appears to be from XXXX dated XX/XX/XXXX.
Convergent has failed to properly validate said debt. What's more troubling is after I looked at what appears to be a XXXX invoice sent by XXXX, I noticed the date. Statute of limitations in Georgia is 6 years. Is Convergent illegally attempting to collect on debts that are past the statute? Are they providing false documentation with the intent to collect money from innocent people who don't owe the debt? How many people have they done this to?
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Convergent Outsourcing is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Convergent Outsourcing is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
|
| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
|
| 07/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is the clear unlawful illegal sharing of consumers personal information that created ponzi scheme allies debt payments of the Name Brand users personal debt Communication Tactics. I do not owe nothing whatsoever to XXXX yet a third party I have never done any business with have my social security that is with Identity Theft it is illegal. This Account has being PAID and CLOSED from XXXX XXXX, and I have been to several different locations over three or four times to get this illegal SCAMMING and FRAUD that is with Identity theft resolved which I was given the receipt acknowledgments that makes it ALL FINAL AND CLOSED. NO DEBT TO PAY WHATSOEVER, this is FRAUD. There is too many BRAND NAME USERS where no one can keep up with which XXXX BRANCH must take the account close off, so every which thousand branch will up load new false information and play the treat game to get paid as if you need to pay every branch DEBT. No matter the false account request these company have the rights to right off their debt so they are doing illegal ponzi scheme selling dead debt that make it double dipping illegally, when they can write off their debt and sell in wholesale market share to create their own debt pay off.
|
| 09/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I closed my account with XXXX on XX/XX/XXXX, I paid all that was owed and received confirmation of my account being left in XXXX both for services or installment plans after my payment of {$74.00} dated XX/XX/XXXX.
I received a collection letter dated XX/XX/XXXX from XXXX XXXX XXXX. stating the following : Creditor : XXXX, XXXX Client Account # XXXX Convergent Account # XXXX Amount Owed : {$250.00} After receipt of letter I went to the XXXX store on XX/XX/XXXX and was contacted with costumer service XXXX XXXX EID XXXX who said he could not provide information on my account, that I needed to contact the collector for information on the amount owed. Same was told by the store clerk.
On XX/XX/XXXX I contacted the Collector XXXX XXXX XXXX, who told me that they could not provide information on my account other than the amount owed, in addition they failed to identify themselves.
I have sent a letter to the collector disputing their harassment and the debt.
It is very unfortunate and illegal the manner in which this companies act. No one provides information, not only this they fail to provide anything in writing. It is as if the strategy is to force the consumer to give up and pay an unlawful debt.
|
| 10/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2018 I wrote to XXXX, XXXX, & XXXX in regards to them saying I owe {$720.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote Convergent Outsourcing myself informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I would like this inaccurate information deleted immediately from all three credit reporting agencies.
|
| 03/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had XXXX service many years ago, I had their service long enough to not be on a contract before we decided to discontinue service due to constant billing issues. When I checked my credit, I saw a company named, Convergent Outsourcing with a total amount of {$1200.00} with the original creditor XXXX. This is not only an incorrect billing issue, but it is TOTALLY erroneous and XXXX KNOWS it! they sold my account and applied false billing towards the account! I was NOT on a contract, nor did I owe a final balance as I was told when I canceled services several years ago. Convergent purchased this erroneous account and put this amount on my credit a while back and it was deleted from my credit. Convergent has put this debt back on my credit when it was already deleted. Please explain to me how this can happen? This needs to be taken off my credit NOW and NEVER allowed to be placed on my credit report again!!!!!!! you can not charge someone ETF when they are n't on a contract, NOR, should you be able to put a debt on someone 's credit report when it was disputed and deleted off someone 's credit in the past. Convergent Outsourcing should be fined and I should attain a monetary settlement at this point.
|
| 03/12/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
During my time with XXXX my bill was normal in the beginning and it steadily started to increase. By XXXX of 2020 my bill was approximately {$820.00} with {$170.00} in unauthorized data boost charges. By XXXX the bill total was {$630.00} with an additional {$380.00} in, again, unauthorized data boost. XXXX bill was {$1000.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$330.00} in data boost. XXXX bill was {$1500.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$800.00} in data boost. XXXX had a bill total of {$1900.00} with {$380.00}. XXXX bill was {$1800.00} with no data boost and that is when I closed my XXXX account. Now, the final amount has risen to {$2400.00}. These data boost make up more than half of the amount owed. These data boost were unauthorized charges on my account and I received no documentation about these until they appeared on my bill every month. I called XXXX multiple times a month about these data boost charges and not once were they able to help me or even remotely fix the issue. I have copies of my bills as needed and every email I received from XXXX. XXXX carelessly took large amounts of money from me and are now trying to take even more.
|
| 05/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have called the company CONVERGENT OUTSOURCING, INC. which is debt collector for XXXX. I have disputed the bills on call XX/XX/XXXX ( XXXX XXXX ), they never sent me actual bills I owe to XXXX.
They have 2 departments, Pre collection department said they have no infromation from XXXX or have not reported my account to Credit agency >> Call 1 ( XX/XX/XXXX XXXX XXXX Pre Collection ) : Agent 1 said the account was disputed by customer and sent back to XXXX. Has no reference of being sent back from XXXX. Then on my saying that my credit have been spoiled by your company, searches for the account and finds it in another department. Gives me number for another department.
Call2 ( XX/XX/XXXX XXXX XXXX Post collection ) : Agent 2 said XXXX sent back account on XX/XX/XXXX and they called me several times.She says '' I picked up phone and said it was wrong number. '' Agent claimed she has no address of me on file.
Truth : I never picked up the phone, Also CONVERGENT have sent letter to me on XX/XX/XXXX ( which means they have my address ). They are lying. They also reported the amount to credit agency without sending me any communication after disputing the bills.example ( Actual Bills from XXXX )
|
| 04/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have called Convergent Outsourcing multiple times to verify my debt via phone and they insisted on reporting the collection on my credit report which I did not authorize and that violates my consumer rights. On XX/XX/XXXX, I received confirmation via green return receipt that Convergent Outsourcing Inc. received a letter from me stating to provide me the contract with my original wet signature that obliges me to pay this alleged debt. I received the recent mailing from them that was also backdated 10 days from my receipt, and I am also pretty adamant in checking my mailboxes. They claim to verify the debt with a copy of the billing statement from the " so be '' original creditor XXXX however, this is not what I asked for and is in violation of 15 USC 1692 ( FDCPA ). The alleged debt of {$270.00} as they claim is not mine. I am still a customer with XXXX now and my service still works and it is weird how this debt pops up as mine out of nowhere. I believe there has been a mistake. I called Convergent Outsourcing Inc. today to let them know of my actions to forward this issue and complaint tot the CFPB and XXXX XXXX has said she will dispute again in there system but I am not sure of the effort.
|
| 01/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Today XX/XX/XXXX, I received a notice from a collection agency, Convergent, stating they are trying to collect a debt amount XXXX claiming that I owed to XXXX. This has been a recurrent problem with XXXX. I have not had an account with XXXX since XXXX when I lived at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. I vacated that apartment in XXXX, XXXX and closed the XXXX account, paid the final balance, returned all the equipment. Apparently XXXX at some point reported or sold some innaccurate information about an account to a collection agency. Every year or so I get a notification from a collection agency about some amount owed to XXXX. I have repeatedly contacted XXXX about this and that company and their collection agencies keep sending me these claims. This now constitutes harassment. I do not owe anything to XXXX and want the CFPB to act to stop the collection agency, and stop XXXX from continuing to harass me about a debt that I do not owe. The address of Convergent on the notice is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX. The Client Account number on the notice is : XXXX. The Convergent Account number is : XXXX.
Signed, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 08/17/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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I had XXXX lines on a family plan with XXXX for me and my XXXX childIren. In XXXX My children transferred their phone lines to their own new accounts along with their phone and accessories balances. My daughter still has her line open today and my son switched to a military plan. I had to close my line due to losing my job and illness and the most I owed was {$170.00} for the past due usage and for my phone. XXXX sent a final bill {$3000.00} for all XXXX lines plus additional amounts that they would not explain. It was not for phone usage because they were quick to turn my phone off XXXX weeks after my bill was due if I did not pay. After fighting and disputing with XXXX for XXXX years they said they fixed the account and cleared it, but instead of clearing the account they sold it to Convergent Outsourcing. I filed for Convergent Outsourcing with XXXX and XXXX and reached out to the company itself and asked for a detailed itemized list of what they said that I was supposed to owe on XX/XX/XXXX and XX/XX/XXXX. Convergent OXXXX sent me a chopped up final bill just showing an amount and not what the amounts are for. I do not owe this amount so the information that is on my credit report is false.
|
| 03/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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I moved from XXXX to XXXX in XX/XX/XXXX. My old cell phone company at the time ( XXXX ) did n't work at my new home, so we reached an agreement to quit my service so I could switch to a cell phone provider that works. Since XX/XX/XXXX I 've had XXXX, just passing my 6 year anniversary with the company in XX/XX/XXXX. In XX/XX/XXXX Convergent Outsourcing Inc which I believe to be located at Convergent Outsourcing , Inc .
XXXX, XXXX, XXXX, AZ XXXX, placed a collection in my account representing XXXX for {$520.00}. This practice of placing a false debt on someone 's credit reports is illegal. Even more illegal is misrepresenting the time period of account in question. The collection account in question has been placed on my XXXX and XXXX credit reports and has no representation of my credit worthiness, and I 'm now stuck with a sub par credit score and one of the worst possible statuses on a credit report. Because the collection is so recent, it factors deeply into my credit score and has caused me a burden of applying for credit in the future.
This account needs removed from both credit reports as it is false debt that has been misrepresented by this company.
I look forward to your response.
|
| 07/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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Noticed a debt collection on my credit report from XX/XX/2020. I disputed the amount and recieved paper work about 45 days later. I didnt have the money to settle/pay debt. I was able to pay debt in XX/XX/2020. I reached out to Convergent Outsourcing to settle debt. They stated they no longer had this account it was transferred to another collection agency. I was able to contact the agency who had my account and the debt was paid and no other action was needed. I reached out to Convergent to request that the collection be removed from my credit report as they no longer had the account. I spoke with several representatives as well as " supervisors '' to rectify the situation. I just wanted something stating that they were going to delete the account from my credit report. I was told varying stories about how they wouldnt give me a letter stating it would be removed, but they requested the deletion to the credit bureaus. I asked if I could have documentation of that and they refused. They said I would have to wait until they reported their monthly progress to the credit bureaus. They were supposed to update on XX/XX/2020 and it has not. I am trying to get a mortgage and can not because of this.
|
| 05/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had a XXXX debt which I paid to XXXX XXXX XXXX . I received a letter from them with a settlement offer of {$90.00} for the bill to be considered paid in full. I paid that exact amount o n XX/XX/XXXX . On XX/XX/XXXX , I r eceived a call from XXXX XXXX asking me to settle the debt. I informed the guy that it was paid on XX/XX/XXXX . H e asked me to send the payment info t o XXXX , which I did that evening. On XX/XX/XXXX I resent the original email since I had n't heard anything. Still no response. On XX/XX/XXXX , I sent another email stating the debt was paid and I expected that they would remove the item from my credit report. Still no response. I checked my cred report and the outstanding debt had been reduced from {$510.00} to {$360.00}. So I c alled Convergent on XX/XX/XXXX to find out why this derogatory item is still on my credit report and was told that they received response back from XXXX confirming the outstanding debt. I then decided to call XXXX XXXX to see if they reported to XXXX when I made the payment. The rep confirmed that my account was paid. I called XXXX and had to file a report so they could investigate. The reference # XXXX .
|
| 05/05/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Received notice from Convergent Outsourcing Inc regarding a XXXX bill. As I have numerous XXXX accounts I asked them to send validation of the debt and what was the service address. They sent a letter saying it is a valid debt and included a XXXX statement dated XX/XX/18. It had no information as to the location nor why the money was owed. I called Convergent. I was told this was the only information XXXX provided them. I was told to call XXXX which I did. XXXX had no information because they apparently sold this account to Convergent. According to XXXX, Convergent has all information on the account.
There are several problems here. I realize it is a small amount. Had I received a bill in XX/XX/2018 I would have paid it. Now 2 1/2 years have passed and the collection agency, out of the blue, wants me to pay a bill that neither they, nor their client can provide me proof of the debt.
And the collection agency says, again, that I need to get this information from XXXX. XXXX looked it up by my SSN, the account number, the phone number, etc. My issue is, if these companies are going to buy and account, then they must assume responsibility for the information they have. If not, then drop it!
|
| 12/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Sent notarized debt validation letter on XX/XX/2022, Via Certified Mail That was delivered on XX/XX/2022, at XXXX XXXX Requesting -The amount the respondent claims is owed -An explanation showing how the amount was computed -Copies of any documents with proof I agreed to pay the alleged amount -The identity of the original creditor -Confirmation that the account has not crossed the statute of limitation ( SOL ) period -Evidence that they are a licensed and registered debt collector -Evidence of license numbers and registered agent Included in the letter was notice it had XXXX days to Respond from receipt date of the notice and if not then account must be deleted completely from report ( s ) ( XXXX, XXXX, XXXX, XXXX ) it is now XX/XX/2022 and they have fallen outside of allotted time frame to Perform per notice and my report ( s ) ( XXXX, XXXX, XXXX, XXXX ) still reflect the negative and damaging reporting. No attempt has been made to correct the errors or provide the requested information, nor request for additional time to do so.
Note that respondent has also been contacted multiple times via recorded line and asked to resolve this matter, and have stated that no debt was sold to them.
|
| 07/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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In 2018 I opened a XXXX account. My email address is XXXX. I made a few purchases on the y XXXX account which I paid monthly. However in XXXX I got a call from XXXX on which the lady informed me that my payment was missing. I said that's impossible my account should be paid off. She said you have a {$700.00} balance I said no she said what is your email I went ahead to verify my email. She said not its XXXX, she verified my last 4 of my social. I explained it was not my email address. She said they would do some investigation and get back to me. So last week I got a call last week my account is past due I was I said impossible. She informed me that I should make a payment before Thursday. I was puzzled. Today I received a collection letter from convergent starting they are willing to settle my account and the balance was XXXX. With a settlement balance. I called Convergent and she said the very same email as mentioned earlier. I don't know who email it is, and certainly not mine. The spelling of my name is correct and address. I tried reaching our to XXXX report this fraud on my account. I need help in resolving this situation. This is fraud against my social security number and my credit.
|
| 03/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a notice in the mail on XXXX from Convergent Outsourcing , Inc. stating I owed a debt to XXXX. On my credit report from all three major credit reporting companies that I had an account opened with XXXX in XXXX of XXXX.
I sent a letter via certified mail to Convergent Outsourcing, Inc. on XXXX requesting verification of the debt owed. They mailed me documentation on XXXX indicating an account from XXXX had a remaining balance. However, in California, I understand the statute of limitations on debt collection is only 5 years?
I am confused as to what my next step would be and how to get the negative information removed from my credit report as it is inaccurate. So it 's not exactly that they are trying to collect the wrong amount, but it is that non should be owed because the debt is from 6 years ago.
Please provide some assistance. Is this illegal and aggressive debt collecting or am I misinterpreting the situation. The fact that they purchased and opened this debt in XXXX and reported it to the credit reporting agencies as an unpaid account opened with XXXX before I had received any communications about the debt or had any chance to dispute it seems unsettling.
Thanks.
XXXX
|
| 01/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Convergent Outsourcing is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Convergent Outsourcing has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Moreover, Convergent Outsourcing, has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very concise as to the Civil liability and the remedy available to individuals ( Section 616 & 617 ) if companies fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
|
| 01/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I received a collection letter from a XXXX Agency, giving me 60 days to respond to a {$210.00} past due balance. This was the first Notice i received from XXXX trying to collect a debt. One week later on XX/XX/XXXX, XXXX reported the collections to XXXX, dropping my credit score 60 points.
The letter specifically stated, i had 60 days to respond, and yet, XXXX immediately placed it on my credit report, not giving me enough time to pay or respond.
I called XXXX and asked them to delete from my credit report and I'll pay immediately. I was rudely treated, and they responded nasty to me. " It's your problem, you should pay your bills on time and XXXX will not remove this. '' I said, i would leave XXXX XXXX other services, such as FIOS and My wife 's XXXX account, they said, " We don't care, we don't want customers like you. '' XXXX is treating me unfairly! They send me a collections notice on XX/XX/XXXX and report to the credit agency a week later.
This is not part of the Fair Credit Act, This is verbal abuse, and abuse of credit reporting! I will pay XXXX in full, but they should delete it, because they gave me 60 day notice to pay.
( Letter from Agency is attached )
|
| 05/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello. In XXXX of XXXX I received a letter in the mail from XXXX XXXX XXXX. This collection agency claimed that I owe {$7000.00} to XXXX mobile services. I called XXXX and a representative said that I owe no such amount. The only service of XXXX I had was Internet, which was paid monthly and cancelled before I sold my house. The representative said accruing that amount would be impossible, xfinity would cancel the account long before.
I researched XXXX XXXX XXXX and according to comments on XXXX is an obvious scam, bullying people into paying debts they do not owe.
Unfortunately this is on my credit report and I can not buy a house due to my credit score tanking XXXX points.
I contacted XXXX XXXX in XXXX XXXX as recommended by my real estate lender and they said a few months ago that the debt should be off of my account but that it is out of their hands at this point.
On XX/XX/XXXX I received a letter from Convergent outsourcing inc stating that they are a debt collection and that I owe {$7000.00} to XXXX XXXX
I do not know what to do at this point so I am reaching out to every avenue I find. Please help me get this off of my credit so I can move on with my life, thank you.
|
| 11/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid the debt they ( Convergent Outsourcing ) tried to collect directly to the original creditor ( XXXX ) after not getting any response back from this collection agency in a timely matter. This company never owned this debt outright but still reported on my credit reports without notifying me of the debt. The company began reporting during the same time that another collection agency was trying to collect on the same debt. According to my reports, the company opened their account in XX/XX/2016, however, another collection agency still had the debt at the time. The other agency did not stop reporting until XX/XX/2016 at which point Convergent had already started reporting that same debt. I got Convergent 's address through my credit report and I sent letters to Convergent trying to resolve the issue with them even though they never called or sent out notice of the debt. I did research on Convergent and read horror stories about how they buy old debts to try to collect on them, harassment, deceitful tactics, etc. and based off of SEVERAL consumer reviews and no prior notice from or knowledge of this company, my safest bet was to pay the original creditor directly which is what I did.
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My Name is XXXX XXXX, Im making this complaint against Convergent Outsourcing INC. for committing identity theft. I have never given Convergent Outsourcing INC any permission to use any of my identifying information to commit mail fraud by contacting me about and alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Convergent Outsourcing Inc can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produced and Convergent Outsourcing Inc continues its collection efforts, I will file litigation for actual damages caused and Convergent Outsourcing Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the receipt and documents herein and of this Notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. Account # - XXXX
|
| 10/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Today, XX/XX/XXXX, I received yet another phone call from this company Convergent Outsourcing. They are looking for a XXXX XXXX. When the phone calls started happening XX/XX/XXXX, I told them that XXXX XXXX does not have this phone number and has not had this phone number for quite some time as I have had this phone number for over a year. I do not know a XXXX XXXX, told them that and to take my number off of their list. They said they would remove my number from their list. According to my phone logs, I have received a call from them XXXX ( twice ) ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and again today XX/XX/XXXX. Today, I told them again what I told them at the beginning of the month - XXXX XXXX does not have this number and to take this number off of their list.
Further, I am on the Do Not Call list and do not have an established business relationship with them so there is absolutely no reason for them to call me. It's a huge problem because if I am on another call when that number calls me, it hangs up on the other person and I have already told this uninvited number to stop calling me. It has become a form of harassment.
|
| 06/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Sent FTC letters ( Around XX/XX/XXXX ) with notice to furnish proof of the debt as well as to cease collection of the debt and to delete any derogatory marks on credit reports as per identity theft guidelines under the FCRA. The company has failed to remove the derogatory marks from the credit reports as well as failed to cease collection. Upon calling them this past week they claimed to have validated the debt and sent multiple letters. I have had no issues receiving letters from them before, however, the debt validation letters and any info as to what they are doing regarding the fraud were not received.
Phone representative was aggressive and dismissive, claiming the postal service failed to deliver the letters and gave no intention of resending the letters. My FTC ID theft complaint letters were received on XX/XX/XXXX by Convergent Outsourcing and they only a few business days later reported the collections to all the credit bureaus. It appears no action was taken to respond to the ID theft claim, no investigation, no attempt to right the situation, and a complete disregard for FCRA regulation that collections be ceased and that reporting also be ceased to the credit bureaus.
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I contacted this creditor ( Convergent Outsourcing ) on XX/XX/XXXX via certified mail ( tracking info XXXX ) Explaining that they need to verify that this debt belongs to me and the only thing they sent me was a old bill which doesn't meet the standards of verifying the debit. I never had an account with XXXX and also didn't recognize the phone number on the account. They failed to show proper evidence bearing my signature and they are reporting negative late payments on my credit report which is not allowing me to get approved with lenders. I sent another certified letter stating that a bill does not prove this account is mine and now they haven't responded and its been over 30 days. Letter sent certified and delivered on XX/XX/XXXX. ( Tracking info ( trackingID XXXX ) I sent another Certified letter on XX/XX/XXXX but I feel they will not respond due to their prior actions so I decided to go ahead and file a complaint. This is the only negative item that is on my XXXX and XXXX that is holding myself and my family back and I really don't appreciate them violating the law and continue to ignore my request. This is inaccurate information being reported and needs to stop immediately.
|
| 08/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
For the better part of the past year, we have been working with XXXX to resolve an issue related to an early termination fee and failure to return equipment due to a temporary move to California for work. We were advised by a XXXX customer representative in writing that this error should not have occurred, yet to date it continues to persist and we have received several phone calls and written notices attempting to collect on an unpaid amount totaling {$1000.00}. This amount was acknowledged in an email by a XXXX XXXX XXXX with XXXX as an error on their part and that we did not owe this amount to their company. They have sent this amount to collections ( via Convergent Outsourcing, Inc. Acct No. XXXX ) XXXX now and have failed to act on the agreement they have provided in writing to us. That agreement stated that they actually owed us {$140.00}, yet this has not been refunded accordingly. The XXXX case number referenced in this case is XXXX and through their debt collector as case number XXXX. We have records of over a year 's worth of telephone and email transactions stating that the XXXX 's did not owe the amount requested, yet as of XXXX XXXX, 2015 it still remains unresolved.
|
| 08/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A couple months ago XXXX XXXX contacted me regarding an account that was not mine that had a balance of {$2100.00} that was late. I told them that the email XXXX that is attached to that account is not mine and never has been. I immediately contacted XXXX and told them that the account was fraudulent. The person is using my name and an old address. They asked if I was selling lotions on XXXX and I said no. I have one XXXX account that I use and it's not the one they were claiming was mine. They said they would look into it. I never heard back from them. Today I received another call from XXXX XXXX for the same account and amount. I again told them this is fraudulent and then emailed XXXX about the issue so I would have written documentation of the issue at hand. I finally got XXXX 's attention on the matter because I reported them to the XXXX and sent in my police report. XXXX ( from XXXX ) called from XXXX, NE XXXX and said that they investigated and the account was stolen with identity theft in 2015 and that it was not my responsibility. XXXX XXXX just sent me a letter saying that they completed their investigation and that the debt is valid even though XXXX says it's not.
|
| 08/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Erroneously produced negative reports to all three credit bureaus causing a XXXX point drop in my score at all three.
They did so while trying to collect a 2.5 year old, contested balance I 'd heard nothing about for that 2.5 year time. Out of the blue - bang - try to collect and immediately smear my credit reports at all three bureaus.
I 'm about to apply for a mortgage and this will carry significant negative financial impact me in obtaining a favorable rate - far exceeding even the erroneous amount they were attempting to collect.
The collection agency reported that they have completed their dispute investigation and that they found that the debt was legitimate - but they have not asked me anything, including for copies of my letters to the vendor, certified, return receipt, stating my position that the vendor had breached the sales contract and was not entitled to any payment. Those letters are succinct, factual, and contemporary to the time of the disputed services - XXXX.
The {$130.00} XXXX dollar corporation XXXX $ XXXX then - seem to be growing fast with these tactics ) doing the XXXX here is XXXX. Their disgusting collection agent is Convergent Outsourcing Inc .
|
| 07/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Convergent Outsourcing calls me twice per day, every three days from two different phone numbers. They are posing as if in the XXXX, ID area. I live in Washington state. I do not have any debts in collections. All of my obligations are in current, good standing. The company never leaves a message. When I tried to speak to employees today to request my phone number to stop being called, I was put back into the waiting/hold system six times! Some employees told me that they are not allowed to leave phone messages per Federal Law ( an untrue statement ), this is a personal matter and that they can not find my " account '' via phone number. After playing their game of hold, a friendly employee finally got on the line. She looked up my phone number and said she could not find it anywhere in their system. She asked me if I have any other phone numbers, to which I said no. My cell number is my only phone number. She agreed that she would have her supervisor look my phone number and take me off of their calling list. I provided information to this company ; this company never identified the debt. I am making a formal complaint so this company will keep their word and stop calling me.
|
| 05/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I was notified by Convergent Outsourcing Inc. on XX/XX/2020 of an account that was allegedly owned by me from XXXX. I responded to convergent on XX/XX/2020 with a request for validation of the debt and I never received any verification from their company. I received a notice via email on XX/XX/2020 that the account was now on my credit report and it has caused my credit score to drop a considerable amount. My request was received and signed by XXXX XXXX on XX/XX/2020. I never received a response to my request and the company has illegally placed the account on my credit report. on XX/XX/2020 I spoke with two individuals that stated they did not have to respond to my request and that all they needed was my name and social security number to place the account on my credit report.On XX/XX/2020 I spoke with XXXX XXXX, and her supervisor XXXX XXXX and they were both rude and dismissive of my complaint. I was told by XXXX XXXX that I issued a cease and desist order and the order stated that " until they provided the requested documentation they should cease and desist all further attempts to collect the debt ''. I have received absolutely no correspondence from the company at all.
|
| 05/25/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX cable provided service to me for years so the account is not in itself fraudluent. I ended up experiencing an event that resulted in significant damage to my personal property. XXXX system failure was determined the cause and XXXX at the time admitted to the issue and offered me dollar incentive as an apology and to re-sign a longer term agreement. Due to significant loss and disatisfaction with service I communicated my intent to discontinue service, they agreed at time to let me out of remaining contract and final billing was settled. 2 years after the termination of agreement and no communcation from XXXX XXXX XXXX called my cell phone in order to collect {$120.00} for the closed account. I notified convergent of the facts and asked them to mark the account as cease and desist and that the debt in question wasn't valid or owed ( XX/XX/2017 ). I called back a couple of weeks later to check up on the processing and was told still being researched. never heard a word since. Today I checked my credit report I doscivered this debt still being reported delinquent/owed and they still have not validated per my request. Please help me naviagte the removal of this invalid debt
|
| 09/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Refer to Complaint Report # XXXX Convergent Outsourcing informed me in their response that they had closed the account on their end, sent it back to the original creditor ( XXXX XXXX and would not be taking further action due to this being a fraudulent account opened in my name/identity theft. This account had already been resolved with XXXX & XXXX XXXX XXXX which is who XXXX XXXX the original creditor ) gave the account over to try to collect on. It was off of my credit report, and settled. I believe Convergent tried to collect a fraudulent debt they werent given since XXXX told me they never gave it over to that agency. I believe they are still trying to collect a fraudulent debt from me after this statement. Yesterday, they marked the fraudulent account on my report as late and negative which dinged my credit score further. They now know this debt is fraudulent & due to identity theft, and the agency is still trying to collect it. I would like to see the agency close the account as they informed me in the response to this complaint, and halt communication with me. I would also like to see this company audited. They are participating in fraudulent collection activities.
|
| 05/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Im contacting you based on a letter I received from Convergent for a bill they claimed I owed to XXXX XXXX . I spoke with Convergent after receiving their first letter. They told me I owed {$60.00} for an early disconnection fee and {$18.00} for the cost of shipping the equipment back. I gave Convergent my debit card and told them I would pay {$60.00} for the early termination fee as I did close my account with XXXX XXXX early but I dont agree with the return shipping charges. Simply put if XXXX XXXX wanted me to pay the shipping cost of returning equipment why would they send me a box that had shipping prepaid? When I opened my account with XXXX I also dont remember agreeing to this as well. I explained this to Convergent when I paid the early termination fee so I dont understand why they would send me a letter stating their investigation process will not begin until I provide more information. I dont understand why I have to prove I owe this! Doesnt Convergent need to prove I owe this debt if I believe it to be invalid? I do n't understand why my conversation over the phone was not sufficient to dispute the debt. Thank you for your help in this matter,
|
| 11/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I am XXXX years and I have never had a XXXX Cell Phone. I also have never lived in the address associated ( XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX ). I lived in XXXX XXXX XXXX XXXX XXXX PA XXXX since 1991. I have filed a police report when I learned this was on my credit report. I never received any mail of the delinquency because sprint NEVER had my real address. I have sent the report with letters to all the bureaus but they send me the actual BILL back saying the debt is valid. AND IT 'S NOT! I asked them in several letters to send me the contract to verify my signature and they have NOT done so. If they see my Identification card and my social Security card I 'm 100 % sure the signatures wont match. I should not be liable for this debt Please help me I live on social security and my credit has never had a collection in all life until now. I have always paid all my obligations I never neglected to my priorities but someone has taken advantage of me and stole my personal information to obtain this debt. In my hometown there are people who work in these stores and to obtain a commission they allow people they know to open accounts with someone else info. I was victimized.
|
| 04/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account credit one bank 2. Validate Account convergent outsourcing I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
|
| 08/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I was a XXXX customer from XX/XX/XXXX until XX/XX/XXXX. I then cancelled my services, paid my final bill, and returned all equipment. I initially found a collection account on my credit report in XX/XX/XXXX from XXXX, but being billed under XXXX XXXX, in the amount of {$360.00}. I immediately disputed the charges and it was confirmed as inaccurate and removed from my credit report on XX/XX/XXXX. The collection popped up on my credit report again under XXXX XXXX XXXX ( for XXXX ) in XX/XX/XXXX. I immediately disputed it again and once again it was found inaccurate and removed from my credit report. Then the same thing happened once again in XX/XX/XXXX and I have been fighting it ever since. I have been dealing with XXXX and Convergent ( the new creditor/collection agency ) and no one has been able to provide any proof that this debt it legitimate but refuses to remove it from my report. I asked for a copy of the supposed bill and received a copy of a bill that was for a billing cycle 2 months after my cancellation of services. None of the numbers match up and no one is willing to help me. I have attached a copy of the evidence they sent, it doesn't make any sense at all.
|
| 10/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I used to have an account with XXXX for wireless services. In XX/XX/2021 I purchased a new device for {$830.00}. XXXX double charged me. One charge for {$830.00} and another right after for {$820.00}. I contacted XXXX to let them know and I got the runaround for over a month. XXXX kept saying that they would refund the accidental charge. When I realized that they would not I contacted my bank and submitted a claim. I also closed my account with XXXX as of XX/XX/2021. My bank was able to recover the funds from XXXX but after that, they stated that I owed them those funds. They have clearly stated that it was an accidental double charge and they would refund the funds but did not. I have the chat logs. Now I have a collection agency contacting me stating that I owe them those funds. I challenged them and they just sent me a validation letter. All the validation letter is a copy of my XXXX bill. I provided the collection agency with bank statements showing the double charge, chat logs showing XXXX tech support stating that they owe my a refund, The complaint form I filed with my bank and the bank statement of when the funds were recovered. I do not know what to do now.
|
| 10/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In early XX/XX/XXXX I returned a pair of new XXXX phone. XXXX claimed I did not turn in the phones timely when I in fact did. They later agreed and dropped the claim. However, later in XX/XX/XXXX I learned they sold the alleged unsresolved debt to a debt collector. When I challenged the collector for documentation and they learned it was insufficient, they dropped the claim. In XX/XX/XXXX another collector reached out to me and I filed a complaint with the FCC ( attached ). That collector then dropped the claim.
Now in XX/XX/XXXX, another collector comes to collect the alleged debt because XXXX has not pulled back their claim from the debt database. The collection is showing on 2 of my credit bureaus and when I contested it, the debt collector XXXX XXXX immediately confirmed it without verifying the underlying debt exists. I am suffering credit consequences for the unlawful reporting of this alleged debt to the credit bureaus. Furthermore, XXXX XXXX posted the alleged debt as occurring in XX/XX/XXXX in their reporting which is also inaccurate.
Before going serving a lawsuit on XXXX and XXXX XXXX, I am hoping to resolve the issue via the CFPB as soon as possible.
|
| 04/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Received an alert from XXXX XXXX that I had a negative reporting. It said the account was open XX/XX/XXXX. It also had a FCRA dispute notice already attached. I called Convergent, after 3 calls was told that I needed to call XXXX. No help with resolution just 2 hang ups and 4 transfers. Then I was provided an address, account #. I asked if my DL or DOB were compromised and the lady at extension XXXX said the account did not have any contact or verifiable details beyond name and ss #. She said the account was actually from XX/XX/XXXX notXX/XX/XXXX, but that they would continue to report unless XXXX said otherwise. She advised to contact XXXX. I contacted XXXX who said I needed to provide a copy of my dl to be scanned at the store to garner any info. I explained that I needed to know basic info to file a police report, they claimed they needed a 6-10 digit pin for the account. Explaining that I would have no way of knowing, I gave my preferred pins to see if any would work. I was told they did not and that even providing my personal details that I would not be able to access the account info. I have identity theft alerts on my credit report and have since XX/XX/XXXX.
|
| 02/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 I receive a letter from XXXX XXXX about a debt they said I owed. I have no accounting of such a debt being owed to them or the original creditor. So I sent the a Debt Validation letter via Certified mail on XX/XX/2018 and was signed and delivered on XX/XX/2018. To which I never received any response and then today I go onto my credit report on XX/XX/2018 and see that they have been added to my credit files XXXX XXXX, XXXX, and XXXX. According to the law they can not report a debt that they never sent a validation for. When I received the letter I sent certified mail a validation letter which they ignored. Now by placing this debt on my credit file they are breaking Federal Law. I expect this to be removed immediately seeing as they are violating FCRA and Federal Law.
On top of all this then when I submitted a complaint via CFPB they had the audacity to say that I must have been looking at an inquiry on my credit report and that they had NOT reported it to the credit bureaus. ( see attached ) Which very clearly they have as you can see from the attached documentation of my credit file.
Once again I expect this to be deleted from my credit file ASAP.
|
| 07/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of identity theft in XX/XX/XXXX/XX/XX/XXXX for the sum that XXXX XXXX has been trying to collect {$560.00} for with their attempts. This account was initially with a previous collection agency and I disputed it as fraudulent account and it was sent back and it was then placed with XXXX XXXX. XXXX XXXX has been trying to collect this sum when that balance does not belong to me. That account was opened and used at an address that I have never resided with a phone number I have never had. I have never lived in Georgia, I have never been to Georgia. This address is still even listed as a previous address on my credit reports that I am actively trying to remove. It is a fraudulent address and account that was made with XXXX. I had provided a XXXX representative with my case number to rectify the case of the fraudulent account but my info was still forwarded with a balance to collections which XXXX XXXX currently has. I am attaching the initial police report for this fraudulent XXXXXXXX account and would like for XXXX XXXX to cease and desist with the letters for payment on an identity theft account and case.
( XXXX ) XXXX XXXX XXXX XXXX XXXX , GA XXXX
|
| 04/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX company has sent an account for collections to XXXX XXXX, a debt collection agency. I have been trying to explain to Convergent that I HIGHLY disagree with the charges as XXXX is making false statements about the nature of the debt. This situation is deeply troubling because I have been in escrow for my first home and they are about to cause me great financial harm by jeopardizing my loan prequalification. I will not hesitate to hold them responsible for any financial damages incurred due to this situation.
Since I am in escrow, I am also cornered into settling this account post haste without having adequate time to dispute this account and " fight it out '' with XXXX. I have been trying to come to a resolution with Convergent that would resolve this account and remove the account from my credit report. They keep regurgitating that they do not " pay for delete '' which is NOT what I am requesting. Since it seems they only read from pre define scripts they are not able to address my concerns appropriately. This is deeply troubling, my stress level is through the roof and I need assistance from somebody regarding this unfortunate situation that is occurring.
|
| 09/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Requested the reporting information be verified and validated to identify the responsible party of this debt. The verification and validation would include identifying information. With accounts such as mobile carriers in order to open an account, the responsible party must be XXXX years old, provide an valid state ID and sign a binding contract. Requested documents did not provide any of that information and the request is being denied and refused. It is important that the requested information is supplied which will accurately prove who is responsible for this account.
If either party does not want to furnish this information than the reported information must be removed and deleted.
XXXX supplied a phone bill cycle with different account numbers which does not validate nor verify who this account belongs too. This is not an original signed and dated agreement or contract with the signature of XXXX XXXX and does not contain a valid ID, required to obtain this kind of account.
All of this is very important because XXXX would have been XXXX years old according to some of the dates already provided in these responses.
XXXX XXXX & Convergent Outsourcing
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This complaint is in regards to " Convergent Outsourcing, Inc, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX, WA XXXX Twice I've gotten letters in the mail from this agency stating that " They have been authorized to accept payment of XXXX % of the total amount owed, which is XXXX, in exchange for which XXXX, XXXX will recall your account and cease all collection activity. ) The top of the letter says I owe XXXX dollars.
After doing some reading on Convergent, this is a scam.
I was XXXX XXXX XXXX when I broke my contract with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are able to get out of cell phone contracts.
If XXXX forgot to dot an I or cross a XXXX, that's not my fault, I hav n't used XXXX since XXXX, and I'm just now getting a letter for this?
Clearly, Convergent is attempting to scam me. I left XXXX with a clean slate, and if XXXX for some reason didn't update something, again, XXXX, I'll provide all the evidence I need that I was XXXX XXXX on a XXXX overseas.
The Audacity of this company.
I don't know how they think I owe XXXX Money, but I was able to cancel my contract with XXXX due to leaving for an XXXX XXXX XXXX.
|
| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I saw a collection account on my credit report from Convergent Outsourcing for {$120.00}. The debt showed that it was for XXXX and I still had an active XXXX account. I called XXXX to see if I owed them anything, since no letters were ever received from XXXX, and they told me no. My account is up to date and I have {$0.00} balance. Since then I started a long journey of trying to remove the collection account from my credit. I called Convergent Outsourcing more than 100 times since I started and every time they told me I have to pay and would just hang up. I was able to get to a higher department and we had a 3-way call with XXXX where XXXX collection dept confirmed I did not owe anything. However, they said they did not care and I still owe the money. I was out of options as they are very rude every time you call them and do not want to cooperate with me at all. On XX/XX/2022 I sent an oficial debt validation letter to Convergent Outsourcing and received NO response at all. At this point they are breaking the law Under the Fair Debt Collection Practices Act ( FDCPA and I am demanding for this collection account to be removed from all 3 of my credit bureaus.
|
| 01/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my XXXX and XXXX reports in mid-XX/XX/XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$340.00}. It is reporting under the company Convergent Outsourcing. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from both of my credit reports.
|
| 12/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received an alert from my bank on XX/XX/XXXX about a collection hitting my credit report. I immediately went to annualcreditreport.com to see what account was in collections. In turns out that there was an account in collection under my named that was unpaid. I contacted the creditor listed on my credit report to get more informaiton.
CONVERGENT OUTSOURCING {$1200.00} Date opened : XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX The account was opened in Texas. I have never lived in Texas. I have been a resident of XXXX XXXX for 31 years and I just moved to XXXX. During the time the account was opened fradualently in my name, I was living in XXXX and buying a home in XXXX I explained all this to the creditor and they are mailing me a fraud package to dispute the account. I still have not recieved the package.
I have filed a dispute with the 3 credit agencies and so far have had 1 of 3 removed from my file. I am looking to file a police report this week as well. So far I have put a freeze on my credit.
Attached are documents supporting my residency during the time frames in question.
|
| 01/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am filing a CPFB complaint because of the continuous report of an unknown account in my credit report. As I am reviewing my credit report I see this XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXI am not familiar with this account so I disputed this right away. I informed XXXX XXXX that I never own an account with XXXX. I was scared at that time thinking that someone might have my credit information and open this account.
After I disputed this with XXXX XXXX, this account was removed from my credit report after a month, and no XXXX account reporting in my file. However now on my XX/XX/2020 credit report, I see that this account now reporting in a different collection company and different account numbers. After a few months of not seeing this account, this XXXX account is now reporting as CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) XXXX.
It is illegal to report a Fraud account on my file. And what worried me most is this account can be deleted and be reported back to with a different name and account number at any time. I need XXXX and CONVERGENT OUTSOURCING to take action and REMOVE THIS ACCOUNT COMPLETELY IN MY CREDIT REPORT.
|
| 10/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have a signed contract nor any contract with CONVERGENT XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CONVERGENT XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
|
| 06/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Also there are several inaccuracies with this account the way it's reporting and that's a total violations of FCRA and FDCPA. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX. I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XX/XX/XXXX..
|
| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
XXXX - Return Order ( Order XXXX ) Label provided bXXXX XXXX - Tracking # XXXX ) XXXX XXXXXXXX - Equipment returned to XXXX via XXXX XXXX XXXX using return label provided by XXXX XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX requesting payment - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX " Final Notice. '' - {$290.00} XXXX - Letter to Convergent Outsourcing disputing charge - {$360.00} - {$360.00} XXXX - Accessed XXXX Report # XXXX XXXX XXXX Received letter from Convergent - claims to have " verified the information with the original creditor. '' - {$360.00} - {$360.00} XXXX - Email to Convergent disputing charge - {$360.00} - {$360.00} XXXX - Received phone call from Convergent - Asked them to call back in a couple of hours -- they agreed but never called.
XXXX - Email to XXXX regarding their " response '' to XXXX.
XXXX - Opened dispute on XXXX Tried tracking shipment -- XXXX could only track back 18 months. All they could tell me was that it had been delivered. Credit Score dropped almost XXXX points with this " collection. ''
|
| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent my letter on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONVERGENT OUTSOURCING : XXXX XXXX XXXX XXXX XXXX XXXX Also I have attached the letter sent out.
According to the FCRA the term Investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies.
|
| 10/08/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I have been getting a lot of calls on my fax phone which I usually do n't answer. I answered and it was Convergent Outsourcing, Inc., a collection agency. They were calling about a XXXX XXXX Bank account. I do n't recall having an account with this company. I am now receiving mail requesting payment in full. I have checked my credit records and if I did have any business with this bank it has come and gone and has surely passed the time limit for being reported to any credit bureaus. I became a total and permanent XXXX veteran quite a few years ago, XXXX hit and I was living on the streets for awhile waiting for my XXXX compensation to start. That took about 13 years. Since then I have worked very hard on cleaning up my credit and at this I only have XXXX derogatory mark which is a paid charge off. I am still working on getting that removed since I have paid it. In all those years there was nothing about this bank. I checked online and found a lot of bad reports about all companies involved XXXX
What I want to know is do I have to worry about something like this showing up in my credit reports and are there any actions I can take to prevent this.
|
| 05/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In 2008 I moved in to a basement apartment in XXXX, GA. When I called to set up the utilities with Georgia XXXX XXXX they put my name on both the upstairs dwelling and the basement apartment. I was only renting the basement apartment. I found out about this because I started getting bills for both units. I contacted Georgia XXXX XXXX to resolve the issue and they never corrected it. I contacted the owner of the dwelling multiple times. He only complained about how horrible the company is to work with and said he would see what he could do. When I moved XXXX months later I closed the account associated with my unit. The other account was not yet sorted out. I told the landlord about the issue and left it in his hands. Fast forward to the present. I have been working on improving my credit. I ran a report on myself to find that the bill is still unpaid and still in my name. Now a collections company is contacting me to collect the debt. The debt is not mine. It appears to be an error from the customer service representative who worked on setting up my account seven years ago. I am upset that a data entry error is now negatively impacting my credit.
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have two accounts that do not belong to me on my XXXX credit report ; Convergent Outsourcing , Inc and XXXX XXXX XXXX. I filed a dispute with XXXX and received a response on XX/XX/2017 that the accounts were " verified and updated ''. I filed a second dispute with XXXX as well as contacted Convergent Outsourcing multiple times by phone and mail requesting validation and physical proof that the debt is mine. Convergent sent me a letter on XX/XX/2017 stating " we have completed our investigation and reported our findings to the credit agency ''. They did not give me the results or proof. XXXX responded with the account has been " verified and updated '' and stated they would not investigate these matters anymore unless I provided documentation. How am I supposed to provide documentation that an account doesnt belong to me? So, I am stuck with damaging inaccurate information on my credit report and no recourse except litigation. Now Convergent Outsourcing has listed ANOTHER fake account on my credit report ( not XXXX ). I am hoping to resolve the matter through the CFPB rather than a FCRA attorney. Any help you can provide would be appreciated.
|
| 06/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I breached my contract with XXXX and paid every penny owed to them on the bill received in including the penalties, and the bill from XXXX was clearly stated " last bill '' because I also knew it was the last bill of XXXX dollars. My service was switched over XX/XX/XXXX to XXXX and my tablet had also been turned off also, and that was my doing.
I recently received a bill from a certain Convergent Outsourcing , Inc. to pay another XXXX dollars. Seeing the XXXX name on the bill also, I called Convergent, who told me that I had to pay. I told them it had to be a mistake. So, I sent Convergent proof of everything.
Well, they insisted that I pay the fraudulent bill, because that was the order received from XXXX.
So, I decided to call XXXX myself to get to the bottom of fraudulent bill. They could n't even tell me how it came about after spending an hour yelling at the representative from XXXX, who was clueless about the bill, and yet insisted that I pay it. I even asked to send documentation to XXXX, because the first set of documents were sent to Convergent, not XXXX. XXXX refused to accept the documents to prove that I do n't owe them anything.
|
| 12/18/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX the XXXX XXXX I switch services from XXXX XXXX to XXXX I called XXXX XXXX to let them know to cancel my services the lady on the phone stated that she ca n't cancel she can only suspend the account because they show that XXXX is trying to transfer my number to my XXXX phone. I told her that that should not show because I am keeping the phone number assigned from XXXX. I ask her since she could n't cancel only suspend the account will I continue to get charged. She answered no. So I said ok waiting for my final bill. Since then I receive three different bills from XXXX XXXX with different amounts. One dated XXXX XXXX XXXX for XXXX. Then I got a collection letter from convergent dated XXXX which I did n't receive until XXXX XXXX XXXX showing a balance of XXXX. Then I received another bill from XXXX claiming i now owe XXXX. My account should have been cancelled when i called and told them i switched to XXXX that was in the beginning of XXXX. So why ido i have all of these different amounts. This account is in dispute until XXXX can explain why i was still getting charged for services that u should have canceled immediately when i called.
|
| 08/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/23 I sent a debt validation requests to the bureaus for a debt that was reporting on my credit report by a company called Convergent Outsourcing. Convergent sent me what they call " debt validation '' and claimed the debt was valid. On XX/XX/23 I sent a debt validation request directly to Convergent Outsourcing because all they supplied me with in their debt validation were random pages of a XXXX phone bill. No matter how many times I tried the numbers did not add up to the debt they are claiming I owe which is {$450.00}. The closest number I got while doing the math was {$390.00}. I wrote them back requesting a breakdown of fees and to explain how they got the amount they claim I owe, as well as any official contract bearing my signature that would prove the debt as valid or belonging to me. All they did was send me the SAME exact documents they originally sent me, which in NOW WAY shows how they calculated the debt they claim I owe, and no official documents that would EVER prove the debt in any way belongs to me. They are in violation of XXXX XXXX XXXX XXXX -False or misleading representations and probably more violations as well.
|
| 05/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I contacted CONVERGENT OUTSOURCING and indicated I needed to know how the cable company ( XXXX ) had come to the amount they were trying to collect. ( {$400.00} ) I asked for them to send me a debt validation to include how they had come up to the amount. I indicated I had every intention to pay if I could figure out the nature of the charges as I believed that the owed amount was already addressed previously. I never got the debt validation and I see that this agency reported me to the credit bureau ( XXXX ). I contacted the agency again and they informed me that they were going to report my account to yet another credit bureau unless I make the payment in full prior to them reporting it to XXXX as well. I asked them if they had sent the debt validation via certified mail, since they would be able to see that I never got it. They claim certified mail is not a requirement and they only send via regular mail. I have verified the correct address but I am not getting the mail. Now I have two options, wait for the debt validation and have my credit report be affected even more. Or make the payment blindly without getting the debt validation.
|
| 08/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On XX/XX/2018, I received a letter from XXXX XXXX stating that I owed a debt from XXXX XXXX in the amount of { {$640.00} }. XXXX XXXX agrees to settle the debt on XXXX XXXX behalf for {$540.00} in three payments on the following dates XX/XX/2018,XX/XX/2018XX/XX/2018. On XX/XX/2018, I completed the debt as agreed. XXXX XXXX stated they would contact all three credit bureau to update my credit and they would send a letter/notification to XXXX XXXX that the debt has been settled. I call XXXX XXXX to follow-up informing them it has been more than 30 days since this debt has been paid, and they have not sent the correct information to XXXX XXXX nor have they updated the three credit bureaus. XXXX XXXX is clearly in violation of the law by reporting incorrect information to the credit bureau. This debt should not be collectible, as I have completed the agreement of the settlement. I have called XXXX XXXX numerous times speaking with supervisors who have stated they would send a letter to XXXX XXXX, myself and also update the three credit bureaus, which they have fail to do. This company continues to hold my credit hostage and to violate the law.
|
| 10/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This was over XXXX cell phones. The amount is $ XXXX sent them back XXXX. They could not find them in the wear house. Then they found that I sent the wrong XXXX. I ask them to except them as my return they said it had been too long. I called every month starting in XXXX of XXXX and they found the phones in XXXX. They said it had been to long that they couldn't write it off because it had been so long. But I had been calling then every month since XXXX. Now this is Team- mobile. I ended up with XXXX phones because of XXXX XXXX I opened up an account with XXXX with XXXX phones for me and my son. Okay I received a letter a few days later saying that I could get a senior account so I called them and they sent me XXXX more phones to change over I don't know why and then I was supposed to mail the others back I got all confused I ended up sending the wrong phones back this is XXXX 's fault I should have never been mailed the XXXX phones now I have this on my credit report I argued with them for XXXX months if they're going to leave this on my credit report they need to mail me them XXXX phones back. Please help me get this off my credit report.
|
| 05/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I called numerous of times over a year period regarding XXXX performance of the cell phone as well as billing issues. I filled out complaints with the XXXX in regards to the numerous of times of billing errors and poor call performance. After speaking with an executive team the contract was supposed to be terminated. After several months I received an email for the return of the device for {$140.00}. This was not the agreed upon resolution by the merchant so I tried to contact the representative again. At that time they had transferred the account to Convergent Outsourcing , Inc . I contacted Convergent to let them know this is not a debt and provided them with the email showing of the debt in question was {$140.00} and not {$570.00} as they had suggested. XXXX which I believe is owned by XXXX through a recent merger and Convergent has ignored all attempts to resolve the issue and has continually reported negative collection balance of {$520.00} on my credit report as recent as XX/XX/2022. Any help in resolving this issue would be greatly appreciated. I have copies of complaints with the XXXX, emails, and phone logs for your examination.
|
| 01/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I canceled my Internet service with XXXX and physically returned the router to their office location in XXXX XXXX, IL. The account was paid in full, and the agent on the phone and at the store assured me that no money was owed. On or about XX/XX/XXXX, I received a " disconnection notice '' and bill for {$350.00}. I filed a complaint with the XXXX. XXXX responded by stating the matter was resolved and the account reflected a XXXX balance. XXXX also stated that they reached out to the collections agency ( Convergent Outsourcing ) to delete the collections account on XX/XX/XXXX. However, on the same date, the collections agency added another collections account for the same XXXX account on my credit reports. I received a letter from the collection agency on or about XX/XX/XXXX. They stated in their letter that they did not have this collection file. To compound this matter further, on XX/XX/XXXX, the collections agency added a second collections account to my credit files. There are now TWO instances of collections accounts for the same XXXX account from Convergent Outsourcing. XXXX is not returning my phone calls or emails.
|
| 06/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Apparently someone used my SSN and name to gain a loan. This loan was provided without my authorization as I required whenever my credit credit is checked. A collection agency Convergent is trying to collect payment on this debt that is not mine. I contacted them and the company who provided the loan and also provided a police report to the collection agency. I received a second letter saying the debt is valid and and verification of the debt with a copy of an agreement. The names on that XXXX LA agreement are not mine. Agreement is attached. XXXX Louisiana is associated with XXXX XXXX for the loan. I again called Convergent who seem to think this is still my debt. I called XXXX XXXX and spoke to a supervisor who said she was sending it to the highest level for them to contact me. They have not done so. My concern is that this will affect my credit score. Furthermore I am taken aback by the fact that my name and SSN is enough for this lender to decide to provide a loan without my required authorization and then attempt to hold me accountable. The bank should be held accountable for my inconveniences caused by their poor loan practices.
|
| 05/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have had my identity stolen twice since I moved to XXXX in XXXX. Between XXXX, someone falsely used my information and obtained cable from XXXX in my name. The cable was listed on XXXX XXXX. However, I have never lived on XXXX XXXX and I don't know anyone that lives on this street.
A collections agency has sent my letters in the mail attempting to collect money for this XXXX XXXX bill. The name of the company is called CONVERGENT OUTSOURCING, INC. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and telephone number is ( XXXX ) XXXX.
I have called them many times to explain that I had my identity stolen and police reports to prove this and I have never ordered XXXX XXXX at XXXX XXXX in XXXX, nor have ever lived on XXXX XXXX. They keep sending me letters and now are sending my mother letters in the mail.
About a year ago, I filed a complaint with XXXX and had this removed from my credit with them. However, it is still on my XXXX credit. I would like this removed immediately and if I can not get it removed I would like to file a lawsuit against this company.
I am tired of this and should not have to keep reporting this.
|
| 12/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
they keep calling me. They will NOT tell me WHY they are calling, nor will they even tell me what their company does. They insist they can not tell me what they do or why they are calling me unless I give them personal information. I have made it very clear I'm not going to give them any personal information without knowing what they do or why they are calling me. I have told them to stop calling because they will not tell me why they are calling and I will not give them personal information without knowing why they are calling me. They continue to call demanding personal information from me. the only thing they will tell me is the name of the company " Conversion Outsourcing '' and won't even say they are a debt collection agency. I googled them and found out they collect debts. I don't have any debt that is in collections, so don't know why they would be contacting me demanding personal information. I want them to stop calling or at least tell me WHY they are calling so I can address, possibly they have the wrong person? but they won't tell me so in that case i've asked them over and over to stop contacting me, but they keep calling.
|
| 10/21/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My original debt is with XXXX. They charged me unwarranted early termination fees when I moved from MI to XXXX in 2018. I stayed in an XXXX until I purchased my home XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. XXXX did not service my area. I've tried to dispute these charges and they sent the balance to collections ; Convergent Outsourcing , Inc.. I have contacted XXXX to try and pay the balance and was unable because it's sent to collections. I was told to contact Convergent Outsourcing Inc, I did and they are a credit repair company that will only allow me to pay {$190.00} now to remove the collections from my credit reports PLUS {$99.00} per month of service for a 3 month minimum. This is not okay, I do not need their services. XXXX should not have charged me early termination fees until I was at a permanent address allowing me an opportunity to start services at the new address. Because XXXX didn't offer service in my area these charges should be removed. I should not be forced to pay for credit repair services of almost {$500.00} in order to remove the collection of {$290.00} from my credit report. This should be illegal.
|
| 02/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company by the name of convergent outsourcing Inc . Contacted me via postal mail a few months ago saying that I owe them {$1000.00}. They claim it to be A debt from XXXX XXXX then in the very beginning of XX/XX/2020 I wrote to them asking them to validate this alleged debt. What What they sent in reply to my request by no means meets legal debt validation. All it is is a typed up document done on a computer with a list of transactions and the name and date on the top. This by no means validates this as being mine. if you do a XXXX search with my name well over 50 people come up in the US alone with the exact same name as me. So it could be anyone of those people that share the same name as I, that owe this alleged debt, but its not me that does! It scary how a debt collector can just randomly come after a person for a debt that they dont owe simply because they share the same name as the person who does. So if Im not mistaken I believe there are laws that protect consumers from this sort of thing, and thats why the debt collector has to validate with personal, identifiable information thats indisputable as to who the debt belongs to.
|
| 09/02/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was trying 15 day free-trial home internet with XXXX on XX/XX/XXXX. I cancel the internet due to their internet not compatible with my work environment and return their equipment on XX/XX/XXXX, which is within 15 days. After a month, I received bill from XXXX for unpaid bill. I was verifying on XXXX XXXX official account, and I was told that it should clear within 1 or 2 cycles. However, XXXX kept sending me bills for 2 more cycles with additional late fee every time. I went in store and talked with the staff there on XX/XX/XXXX, he said I need to paid {$25.00} upfront and they'll refund me later time. So I paid {$25.00} and they said late fee should be waived as well. Note at this time it is still within due day of latest bill I received with 2 times of late fee.
However, a debt collection letter was sent to me from Convergent Outsourcing on XX/XX/XXXX, which is before the billing due date of amount of {$39.00}. And I receive the letter at a much later date. To me this is unethical practice to send their bill to debt collector before billing due date. And they did assure me everything should clear from my account multiple times.
|
| 12/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was a customer of XXXX also known as XXXX in 2016, I paid my bill and kept the bill current. There was a dramatic switch in the cost of their services so I decided to leave the company, close my account and no longer receive their services. The process was I should disconnect the equipment, go to the local office and drop equipment off. I did exactly that, went to the XXXX XXXX office, dropped off the equipment and the account was closed. During that time, I was part of one of the biggest lawsuits with XXXX. It was a class action lawsuit concerning previous employment there. Brand v XXXX where we sued for discrimination, labor law infractions and unsafe work practices. We won the law suit, collected our checks and the case was closed. Soon thereafter there's information being reported that I did not return equipment. I've called let them know the receipt numbers and they said ok its taken care of. Soon thereafter this is being reported to the credit bureau that I owe {$610.00}. Every time I report it, they reply that this is the amount owed. There are no receipts on their side, no history of anything accept a bill for {$610.00}.
|
| 12/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Convergent broke federal laws written in the Fair Debt Collections Practices act. On XX/XX/XXXX I sent the company an Affidavit of Truth containing documents and proof of the laws that were broken. I have not heard back from the company about this matter. I did not give the company permission to have my address nor telephone number which is an invasion of my privacy and its against the law for purchasing my information without my prior knowledge nor consent. In addition, the company stated I owe a debt, which is a violation of 1692 ( b ) ( 2 ). The company contacted me more than once, which is a violation of 1692 ( b ) ( 3 ). I have telephone records to prove this fact. The company contacted me at an unusual time and place that is inconvenient to me, violation of 1692 ( c ) ( 1 ). The company called me while I was at work which communication is prohibited, violation of 1692 ( c ) ( 3 ). The company would not stop harassing me verbally with their use of obscene and profane language, violation 1692 ( d ) ( 2 ). The company repeatedly used different numbers to call my phone to annoy, abuse, and harass me, violation 1692 ( d ) ( 5 ).
|
| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There was a collection added illegally back to my credit report on XXXX XXXX, XXXX by CONVERGENT OUTSOURCING, INC. XXXX XXXX XXXX XXXX XXXX, WA on behalf of XXXX for {$1600.00}. This account was previously deleted in XXXX due to their use of improper protocol when attempting to collect an invalidated debt as well as it being fraud. I was not sent the legal notice that this account was resold or the required 5 day letter that this collection would be added back to my credit report. I would like this collection removed again as it was and the collection agency to no longer attempt to collect an invalid debt. This is causing an extreme hardship by damaging my credit continuously with fraudulent information. This situation is causing me loss of money, time, credit resources and severe stress. Notices have been sent to the company requesting action with no response. This is now becoming harassment and I would like this resolved immediately or I will have to take legal action. It is already difficult enough as an Identity theft victim trying to repair and replace the things I 've lost and this illegal action just adds insult to injury.
|
| 10/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I paid off a debt from XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX. Paid by money order {$320.00} by certified mail, received from XXXX letter stating paid in full, everything fine, On XX/XX/XXXX, I received a letter this time from Convergent Outsourcing/XXXX XXXX XXXX stating I owe the amount but if I pay half. That constitutes Mail Fraud under 18 USC 940 ( section 1341 ) I made all copies of all my documents back from XXXX including certified letter, and money order to Convergence. In addition, I contacted the original collections, XXXX who stated " everything was paid off years ago, creditor notified ''. This is a scam and needs to be investigated. How many people pay off their debts, forget about it than get a letter saying if you pay half? This is deception in it's purest form and constitutes the legal basis of fraud. This agency and the FTC needs to investigate immediately and shut these operations down. I have these companies ( 14 ) days to correct their activities otherwise I will file in a California Superior Court. In addition, will file a complaint with the California Attorney Generals Office.
|
| 04/18/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
In XXXX XXXX filed a collection on my Credit Report stating that I owed them with for an unpaid cell phone account. I did not open an account with XXXX in XXXX . Subsequently, I filed a Dispute with the Credit Reporting Agencies which resulted in the Bureaus removing the Collection from my credit report. In XXXX , a XXXX XXXX XXXX XXXX filed another Collection to the Credit Reporting Bureaus under the Name of a different XXXX XXXX XXXX again stating that, I owe an unpaid .Cell Phone Account. Again, I filed a Dispute and the Debt was again removed. Since that time, e very 3-6 m onths or, so a New XXXX XXXX XXXX XXXX files a Collection against my Credit after it has been removed which is Harassment. I have repeatedly informed th e Bureaus that, the Collections are false and, not to allow XXXX or any of it 's m any Collection agencies to continue to place erroneous debt collections on my report as they .have been added and removed no less t han seven time s previously. I would ask XXXX to cease and desist in their Harassment of me by continually making erroneous fraudulent collection claims.
|
| 12/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
XXXX Energy companies ( XXXX, XXXX, and XXXX ) started calling me XX/XX/2016 to collect a utility bill of {$330.00} owed by a person with my name. Each company ask for my Social Security number to verify the account. I told them I did not have an account with their company and will not give my SS number. I thought it was a scam. XX/XX/XXXX I received a letter from Convergent Outsourcing , Inc. trying to collect the debt. I called and talked to XXXX XXXX and told her it was not my debt. XXXX XXXX sent me a form to fill out asking for all my personal information. I called and the guy on the phone admitted my phone number and address was looked up online. Either energy company or debt collection agency found my address and phone number with the same name as a person who did not pay his energy bill and decided to harass me until I pay a bill I do not owe. I told them to take my name, address, and phone number off the account because I do n't owe this money. Since the man could not get me to give out my information his supervisor got on the phone and tried to pressure me into to giving my information before it destroyed by credit.
|
| 02/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In XXXX / XXXX of XXXX I noticed a collections account added to my CR from Convergent. I contacted them regarding the invalid information posted and asked for verification that I owe them any money. The account they claim to have been sent was from XXXX.
I reached out to XXXX and was told that I do NOT have any account in collections, but I did have a past due balance. I paid the amount in question to them.
On XX/XX/XXXX, I received a response from Convergent with my XXXX bills from XXXX through XXXX. I searched through all of the documentation, and I saw nothing stating that I owe any money to Collections. It did show my payment for the past due balance on paid XX/XX/XXXX.
I looked at the XXXX bill to see if there are any mentions of Convergent in the " Ways to pay your bill : '' section and saw nothing.
On XX/XX/XXXX I sent a letter to Convergent via certified mail. I see that it was delivered XX/XX/XXXX, at XXXXXXXX XXXX. and signed for by XXXX XXXX.
As of my submitting this complaint I have not received any response from Convergent and this invalid derogatory information is still posted on my Credit Reports.
|
| 06/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/ I submitted a debt validation request to Convergent Outsourcing XXXX : XXXX. By certified mail. In the amount of {$1400.00} I requested written confirmation of the following information. Amount owed, Detailed calculation of the balance owed, Copies of the signed agreement showing this account is my obligation, Proof of the time/statue of limitations pertaining to this debt, Proof of company license to collect debt in my state, as well as licensing numbers and Registering agent, Verification of original creditor and original bill of sale. On XX/XX/ Convergent Outsourcing only provided me with XXXX billing statements. I submitted a 2nd debt validation letter on XX/XX/ by certified mail requesting the above information for debt validation. Once again Convergent Outsourcing sent XXXX billing statements.No copies of contract agreement, proof of payment history, etc. I sent a 3rd letter on XX/XX/2019 by certified mail stating that this does not meet the Federal Trade Commission XXXX of what constitutes proper debt validation. I received no response and Convergent Outsourcing is still reporting to the credit bureau
|
| 04/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Back in XXXX I was called by a collection agency about a XXXX account I had never opened. I informed them they are incorrect and I have never had a XXXX account before. They told me to pay {$3000.00} or get an affidavit saying that it was Identity Theft. I went to a XXXX store and told them what happened but the only help they offered was giving me a copy of the account statement opened in my name ( Account # XXXX ). I filed a police report on XX/XX/XXXX with XXXX County Police report # XXXX. I gave them the incident report number and they left me alone. One year after that another Debt collector tried to contact me. I gave them the police report number and they left me alone. Then in XXXX Convergent Outsourcing contacted me for the same debt. I told them the same thing, and shared with them the incident report. They didn't care and said that they were going to put it on my credit report as a derogatory account. Since XXXX of XXXX they have impacted my credit report even though I told them it was not my account and provided the police report. I tried disputing the report with XXXX but they did not resolve it either.
|
| 11/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section XXXXB that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
|
| 11/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was in the United States XXXX and I was stationed in XXXX, XXXX from XXXX to XXXX. When I was given XXXX orders ( XXXX XXXX XXXX XXXX ), I brought a copy of my orders to XXXX and paid my last phone bill before closing my account ( around XX/XX/XXXX ). I got to my new unit in late XX/XX/XXXX, in XXXX XXXX. On XX/XX/XXXX, I checked my credit report and saw a collection agency had a debt listed for the XXXX bill. I called the agency and paid it again, just incase maybe there was anything else due that I missed. The agency wrote me an email as proof that I paid so I wouldn't have to deal with the collection ever again. Since then, XXXX has been spamming my credit report with collection agencies to get an additional {$220.00} from me, in XX/XX/XXXX, and also now ( XX/XX/XXXX ). I refuse to pay a debt I don't owe. I don't exactly know what to do but I am beyond angry with them for continually trying to use my credit report like a hostage to get money from me, especially since I always pay my bills on time, in full ( and, for example with my car, I pay way more than the minimum due ; I'm 3 months ahead on my car loan. )
|
| 02/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I had a rental property in XXXX, Georgia from XXXX to XXXX till XX/XX/XXXX. The utilities company was XXXX XXXX XXXX. I started received collection notices from Convergent Outsourcing Inc in XXXX from bills from XXXX XXXX XXXX that they said I owe. They reported the unpaid debts to reporting agencies few times. I wrote few letters to them about the bills & asked for the authentication of the debts and finally after providing all the documents requested by XXXX XXXX XXXX ( Police report from my home residence, sale documents of the property in XXXX ) they sent me a letter in XX/XX/XXXX that the account is not mine. But Convergent Outsourcing Inc. are still trying to mess up with my credit reports. Once a while they re-aged the debts and reported to reporting agencies then took it out after I dispute it. It's happened a couple times & they still tried to call me as recently as last year. Yesterday I received another collection bill from Convergent dated XX/XX/XXXX. I am really sick & tired with these harassments. Please help me to put an end to it & this Company is need to be warned & penalize for abusing my right.
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| 12/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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Convergent and XXXX XXXX XXXX continues to place me in collections for debts that are not mine. The are now claiming that I owe XXXX XXXX XXXX for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with Convergence or XXXX, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, Convergence turns things over to XXXX or XXXX of their other companies or, visa versa. At this time, Convergence is trying to collect for XXXX. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is Convergence Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.
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| 04/30/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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A fraudlent phone account and two phones were purchased through XXXX XXXX. I was notified this when I received a bill for this ( I had a XXXX account years ago with different numbers, but I have been with XXXX for the last 4+ years ).
I spent hours on the phone and online with a multitude of XXXX XXXX departments, the XXXX XXXX Police Department, and the three credit bureaus. My credit was frozen ( at my request ) and I was assured by XXXX that this was a fraudulent account and things were settled. Luckily my credit was frozen as an attempt was made to open a fraudulent phone account with XXXX.
Today I received a collection notice from Convergent collection agency. I have disputed this account and provided copies of the erroneous bill as well as the police report. I am unable to reach Convergent as it is a weekend. Unfortunately, I will be out of the country XXXX and so will not be able to contact them before I leave.
My credit score has been stellar and I hate to see this be erased. I also am unsure what else I can do on my end to prevent further action on this fraudulent matter involving identity theft.
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| 07/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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on XX/XX/XXXX I returned all equipment to a in field XXXX Agent ( XXXX XXXX Rep # XXXX ) at my former residence in XXXX XXXX zip code XXXX. I closed the account prior to my move to XXXX. In my possession I have the receipt given to my husband on XX/XX/XXXX, on this receipt are listed the serial numbers for the very equipment we are being accused of not returning. we moved cross country after this return of equipment happened. We were not aware of this collections until we tried to purchase a home in XXXX in XX/XX/XXXX. Numbers and addresses were different so we never noticed. I have called over and over and have several ticket numbers to their investigations. which they have never followed up on. I 'm at my last straw. I just lost the home of our dreams because of this horrible incident. XXXX claims they have no record of missing equipment. yet they refuse to remove us from collections.. talked to them again today XX/XX/XXXX after waiting to hear back from them since XX/XX/XXXX still no answers! help! I just want to buy a house and not worry about this collection that is not even valid ruining every purchase!
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| 04/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hello, I cant provide the exact dates because it happened a couple of years ago, I had a XXXX XXXX account, probably around XXXX or XXXX. This account was paid by XXXX XXXX when the Switch to us program was available. I visited a XXXX company back in the days and offered me the promotion of paying the account to switch to them. It is not the first time that XXXX provide the wrong information to me causing me to own money. Before I had to solve owning a phone after it was informed to me that removing that line wouldnt affect me, that situation was fix successfully but now Im dealing with this unpaid account that I wasnt aware of and trusted that it was paid off by XXXXThe information that was provided to me was that this balance was paid off. If a employee made a mistake or misinformed me, I should not be having this reported. Since I am disputing this debt, CONVERGENT OUTSOURCING should not report it to the credit reporting agencies.
Reporting information that is known to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting act. Total amount supposedly own {$2400.00}
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| 06/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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ConvergentXXXX has attempted to collect a debt owed by another individual with the name that I have ( an incredibly common name in the United States ) because that individual lived in the same apartment complex that I lived in more than 15 years after I did ( note, it was a different UNIT in that complex and again, the debt is from a period more than 15 years after I moved out of the apartment complex ). I have tried to explain this to them, but they are basing this solely upon a name. You can not call their number listed on their website or in their communications because it will tell you they are not currently available and hang up on you even during normal business hours ( I have tried numerous times ).
In response to trying to explain their mistake they simply continue to say they have verified the debt. Again, this is definitely not my debt as I was not living even in the same state at the time, never had an account with the company they are referencing and simply share an incredibly common name with somebody who lived in the same apartment complex ( again different unit though ) 15 years after I did.
|
| 10/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I keep getting collection notices in the mail from a company called CONVERGENT who claims they are authorized on behalf of XXXX to collect a debt owed to them. I never had a XXXX account, and I just called them to confirm that no one else has created a bogus account with my info- They said I would have have received collection notices first from XXXX themselves, and they also said they have never even heard of this company, CONVERGENT. I am weary about calling CONVERGENT myself to dispute their false claim, b/c I suspect they are a fraudulent company, so I'm not going to call them and give them any more of my personal info. I have tried to report them to the XXXX, but b/c they are a non-accredited business, the XXXX can not take any further action besides lodging my complaint. I've read other bad things about this company, CONVERGENT, sending out bogus collection notices, and some people even claim they affected their credit history negatively. So I'm reaching out now to the CFPB to make you aware that this company is fraudulently reporting false debt owed by me to XXXX when none exists.
Thanks, XXXX XXXX
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| 10/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Collector ( CONVERGENT OUTSOURCING0 tired to collect {$120.00} balance from a XXXX phone bill that has a different last name than my last name.
As soon as I received the collection notice from this collection agency ( CONVERGENT OUTSOURCING ), I sent them a registered mail to request debt validation for the total balance of {$120.00} under the account., the letter was received by the collection on XXXX XXXX, 30 days past, the collection agency never responded my request, but instead of post it on my credit report with the credit bureaus. Under XXXX XXXX Code Section 392.202 a debt collection agency has 30 calendar days to respond to a debt validation request. If the collection agency fails to respond to validation request then they have essentially admitted, per XXXX XXXX Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate.
Federal laws require furnishers of information to report accurate credit information to the credit bureaus and in this case, the collection agency ( CONVERGENT OUTSOURCING ) have failed to do so. This inaccurate information must be deleted from my credit file immediately
|
| 06/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I started writing XXXX XXXX XX/XX/XXXX about this debt listed on my credit reporting asking them to validate the debt they say I owe in the amount of {$4200.00} for a phone bill. They informed me via response that they spoke with my wife. Which i never been married. About this account that am disputing. They sent back a itemized bill which is NOT validating the debt. On XX/XX/XXXX i wrote another letter to them asking them again to validate the debt in the amount of {$4200.00} they sent back another itemized bill on XX/XX/XXXX which is NOT validating that debt. On XX/XX/XXXX, it is notated that they received my letter but still could not produce validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove i owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. Furthermore, when i searched Illnois laws, this collection agency isn't even bonded or licensed to collect a debt in this state. I request full removal of this debt associated with any of the credit reporting agencies ASAP
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| 12/13/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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We have been loyal customers of XXXX for more than 10 years. On XX/XX/2019 we switched to another company. When we received the last bill by XXXX we were surprised to see that instead of issuing a prorated bill for the 6 days we used their services ( from XX/XX/XXXX to XX/XX/2019 ) they charged us for the whole 30 day period!
We called multiple times the customer service center of XXXX and they insisted on that. We requested that they present us with the contract we signed more than 10 years ago and they referred us to their website, which for old customers initiated service more than 10 years ago the contract DOES NOT state that prorate is not the case for cases like ours.
As a final action, we wrote to the Customer Relations of XXXX, but instead of replying to us with specific arguments and facts they decided to send the claim to a collection company!
After that we would like to let you know that we dispute this debt and we are willing to pay the fair amount for the service we had. Thus, to pay, for the 6 days of service per {$3.00} per day, the amount of {$20.00} plus taxes and fess of {$10.00}.
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| 10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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After reviewing my credit report recently I dated I noticed that an account named Convergent Outsourcing has repaired on my report. I sent in a complaint on XX/XX/18 in regards to this company and the result was they agreed to remove. My original complaint stills stands I have submitted a request to have an account investigated and removed from my account from Convergent outsourcing. I have never done business with this company or taken out a student loan with this company. When I contacted the company and requested original loan documentation I never heard back from them. I then requested the account to be investigated and removed by the credit bureau and they responded with account verified. This account has never showed on my credit report as a active account by any creditor and now all of a sudden I have a collection account for now {$37000.00} from a company I never heard of. I would like this account removed from my credit immediately before legal action is taken. I pulled all of my financial college records and have verified that is not a loan that I have ever taken out. This is account is Fraud.
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| 10/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XXXX/XXXX/17, I submitted a request to XXXX XXXX to validate debt via certified mail XXXX XXXX XXXX XXXX XXXX. I asked that the company provide the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Any insurance claims been made by any creditor regarding this account. 4 ) Any Judgments obtained by any creditor regarding this account. 5 ) Name and address of alleged creditor. 6 ) Name on file of alleged debtor. 7 ) Alleged account number. 8 ) Address on file for alleged debtor. 9 ) Amount of alleged debt. 10 ) Date this alleged debt became payable. 11 ) Date of original charge off or delinquency. 12 ) Verification that this debt was assigned or sold to collector. 13 ) Complete accounting of alleged debt. 14 ) Commission for debt collector if collection efforts are successful. To date, Convergent has not provided me with the requested information. As a matter of fact, the only information that they sent after my request was a copy of a bill.
|
| 08/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX & XXXX I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.
|
| 07/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Had a XXXX account in college, around XXXX, it went to collections on/around XXXX. I had an original debt collector reach out to me in that same time frame. It was removed from my credit report in XXXX/XXXX. Now, I see I have a collection from Convergent Resources , INC . I have reached out to the company that controls the debt, Convergent Resources, INC, regarding a ten year old cell phone debt. I disputed this account with XXXX ( Case # XXXX ) in XXXX of XXXX, and in XXXX it was Removed from my XXXX report for accuracy and statue of limitations, but still shows on my XXXX Report. I called Convergent in XXXX/XXXX to inform them of this, the gentleman I spoke to says it shows that I disputed the account but he could n't do anymore. I informed him that I had disputed with XXXX and gotten it removed, he said he annotate that in my file, but that he could not remove it from my record. I told him I would submit a complaint to the BBB if no further action was taken, but I hoped because I had it taken care of easily with XXXX that it would be a quick fix. As of XXXX XXXX, the debt still shows on my XXXX CR.
|
| 07/01/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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I initiated communication between my self and Convergent Outsourcing on or around XX/XX/XXXX I do not have the letter but I will attach the letter I received in response which is labeled " FIRST RESPONCE '' which is dated XX/XX/XXXX, In their response letter they claim I owe {$1100.00} yet the bill they sent me states I owe {$1300.00}.
I then responded with another letter sent on or around XX/XX/XXXX which I have attached labeled " 2nd LETTER '', where you will read my stance on them trying to collect on a debt that they can not nor will not validate properly.
I then received a second response around XX/XX/XXXX which is identical to their first response which I have attached labeled " 2nd RESPONSE ''. In this letter they state I owe {$1100.00} yet they have attached a bill that states I owe {$1300.00}.
I sent a 3rd letter on our around XXXX which is labeled 3rd LETTER in which I explained the amount owed vs the amount they claim is owed is incorrect, and a few other questions they refused to acknowledge or answer from the first two letters.
I have not received any response after my 3rd letter.
|
| 06/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
|
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My service for XXXX XXXX was cancelled on XX/XX/XXXX. I had been a customer with 100 % on time payments since XXXX. My final bill was paid through XX/XX/XXXX. I understood that there was a termination fee given I was XXXX days short of an equipment contract.
I opened a dispute with my credit card company on XX/XX/XXXX for {$70.00} detailing the above. XXXX never disputed my claim. In a letter dated XX/XX/XXXX from Convergent Outsourcing I was informed that they were hired to collect a debt of {$150.00}. I responded to this with a certified letter requesting documentation of the amount due and copied XXXX as well. On XX/XX/XXXX I paid what I thought was my final payment to XXXX for {$88.00} for the early termination ( which also seemed incorrect. On XX/XX/XXXX I received a notice of debt from XXXX XXXX XXXX for {$70.00}. I requested the same information from them and still no response. On XXXX/XXXX/XXXX I was alerted to a negative credit item on my XXXX credit report. I disputed it, sending all the documentation I have described. They closed it saying updated but no changes or explanation was made.
|
| 01/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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On XX/XX/2022, I checked my credit report for the first time and found XXXX negative collection debts totaling close to $ XXXX. All of the collections come from XXXX and Convergent Outsourcing, and they are from what seems to be utility companies or being affected by natural disasters or declared disasters in TEXAS. My credit report shows all the collections linked to XXXX Texas Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX I contacted the three credit report agencies to dispute the collections as identity theft, and so they could remove the texas addresses, they said all collections were linked to the texas addresses and that someone was using my identity because I have never been or even lived in Texas. I live in California. The credit companies could not remove the collections until I prove I did not open them by contacting Convergent and XXXX, but when I talk to those companies, after hours of going back and forth, they hang up on me. I feel frustrated. I will file a police report tomorrow morning.
|
| 07/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
|
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Received an alert on my credit report from XXXX, XXXX and XXXX that XXXX accounts had been posted to all 3 credit bureaus. Contacted XXXX XXXX on XX/XX/XXXX advised them that it was result of " identy theft '' and account was opened fraudulently and without my authorization. This is my 2nd if not 3rd time reporting this to XXXX. Convergent advised me to contact XXXX ( again ) I did and spoke to XXXX who reported XXXX accounts in the amounts of {$110.00} opened XX/XX/XXXX and closed XX/XX/XXXX and also account for {$720.00} opened in XXXX and closed in XXXX. I think the phone number belonging to one of the accounts was XXXX. XXXX couldnt give me much information on one bc apparently the person who opened the account put a password on them so they couldnt tell me much, but they did report them. Confirmation number given by XXXX at XXXX is # XXXX. Please remove these accounts from all 3 credit reporting agencies. I will be attaching a notarized " Identy Theft Affadavit '' form and also a police report. PLEASE REMOVE THESE ACCOUNTS and send me a copy of the updated reports showing they were removed.
|
| 02/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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I neither affirm, nor deny this purported debt. You claim I owe XXXX XXXX XXXX the amount of {$100.00}.
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2018. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.
|
| 06/13/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Is now over one year, and when I believed the case was closed here we go again another request yet from another collection Agency.
This is now the fourth agency sending this for collection and every single time my XXXX score is affected currently my XXXX score went down to XXXX down from XXXX.
This fourth request comes from Convergent Outsourcing Inc . I have very politely explained to them ( XXXX XX/XX/2022 ), as done with the other collectors, that XXXX engages in the practice of overcharging its customers. In my case instead of billing me for 7 days they billed for 30 days.
so it is so clear that despite the efforts of the CFPB these type of establishments ( Debt Collectors ) continue to engage in unfair, deceptive acts and practice. They state on their letter that they have verified the validity of the claim and that is false. I refuse to pay more that owed. You can see the type of damages they can cause to the consumer. Look at my XXXX score from XXXX to XXXX. I hope a stop can be put to these entities from acting without any regards to the damages their actions can cause the consumer.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I've notified this company, XXXX XXXX XXXX, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter.
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts
|
| 05/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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I called Convergent formerly XXXX XXXX due to them.still reporting an active account in dispute even though the dispute has been resolved. I have been trying to get a mortgage in which you can not have active disputes in some cases. I received confirmation from all 3 credit bureaus that the dispute had been resolved on their end. However when my credit pulled the dispute is still.reporting on there. The credit bureaus sent me a copy of my report showing me that it was resolved on their end and that I would need to contact the collections agency directly and request for them to remove that statement from my report since the dispute had been completed. Convergent told me that they were not going to remove that statement until I satisfied my debt with them and they the active dispute would remain on my credit. I let them know that I would be contacting the cfpb about this and he stated that he would have to do more research but he wasn't going to provide me with any more information on the account. They started all calls are recorded so they should have the phone call available for review as well.
|
| 12/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a letter from Convergent Outsourcing Inc. regarding a 'debt ' they state I owed from XXXX XXXX XXXX of which they recently acquired. The creditor listed on their letter is XXXX XXXX, XXXX. This is a debt I have been habitually harassed regarding every 1-2 years, creditors sell from one group to the next and each time they contact me and all my family members for a debt I do not owe. Previously I contacted CFPB ( Claim # XXXX ) regarding this debt issue and both credit agencies were contacted and both parties said they are not at fault/can not assist and eventually the latest company quit calling once they realized they can not pursue this so called debt. Once again I am being harassed for this claim and when the creditors exchanges debts I will receive more calls and letters. As this 'debt ' originated from XXXX XXXX XXXX XXXX have asked they be involved and resolve the matter as this is a mess of their creation.
The letter provides an Convergent account # XXXX. Please assist as this is pass the statue of limitations ( XXXX year old so called debt ) and is not my debt.
XXXX XXXX
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| 04/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX is involved in a financial scam creating fake accounts using customer information and selling those accounts to debt collectors in order to generate a profit. I have tried to contact them in order to remove the fraudulent account, but they refuse to have any leadership look into the problem, then have customer agents tell me the account is closed and satisfied, but when I ask for paperwork to give the collection agency they hang up on me or tell me I dont need any. The fake account is a charge for {$130.00}. Issues like this happen every single time we have updated an address with them we receive things like, insane fees, incorrect charges on our account, randomly multiple fake accounts appear, degrade our service and then blame us for it and refuse to actually solve any of those issues or lie and say that the issues are resolved when they arent. They have even come out to our home and removed a splitter in order to cut our service while it was active and in good standing! We have only ever had 1 account with them and it is current. Any assistance you can provide is greatly appreciated.
|
| 06/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was contacted by Convergent XXXX to inform me that my phone bill was delinquent, however this debt was cleared shortly thereafter due to an accounting error. I reached out to the debt collection company via the email address on the written notice they sent me, # XXXX, and I did NOT get a bounceback/mailer daemon failure, so I assume it was delivered. Upon requesting further information to confirm this debt as well as requesting confirmation that my case has been updated/closed to reflect the state of my debt no longer being valid, no replies were sent back to me despite me sending emails to them with clear requests and documentation to clear my case. This company did do a satisfactory job of clearly identifying themselves as a debt collector, as well as informing me of my rights to challenge this debt notice, which I have, but they have not followed up on the communication channels provided. It is of the utmost importance to me that I get written verification from Convergent XXXX confirming that my case has been closed/that the debt sold to them to be collected from me is no longer valid.
|
| 08/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I sent XXXX LETTERS ON:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXasking to verify this information that shows on my credit reportAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.as well as unknown inquiresnot once have they verified anything even CONVERGENT OUTSOURCING SENT ME A LETTER STATING THEY WILL DELETE THE ACCOUNT BECAUSE IT DOES NOT BELONG TO ME, YET XXXX STILL REPORTS AS WELL AS OTHER ACCOUNTS THAT WERE NEVER VERIFIED
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| 07/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I had a XXXX XXXX account that was paid through AUTO PAY DEBIT each month, and when I switched to another company, I personally returned all the equipment to the office, had a XXXX balance at that time. Then several years later they ERRONEOUSLY employed a Collection Agency, XXXX XXXX/XXXX, XXXX. to say I owed a debt. Last year they put this false information in my XXXX Credit Bureau. I disputed the charge, XXXX investigated, the company never was able to document I owed anything, complied and they REMOVED IT FROM MY CREDIT REPORT. Now, today, again, they submitted the same phony charge to my XXXX Credit Report, which brought down my score 24 points when I have excellent credit. So, again, I filed a dispute, but I also felt compelled after months of dealing with this scam agency on the XXXX report, now again with XXXX, it required to file this complaint, with the hope that these unscrupulous scam collection agencies are fined or curtailed from arbitrarily submitting false information to credit reports ; especially multiple or recurring times after being commanded to remove it previously.
|
| 12/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I submitted a complaint in regard to this company having this bill on my credit report. In my complaint I advised that this was not my bill. I have never had XXXX before in my name. The company sends me a bill stating verification of a bill. This is not a VALIDATION that this bill belongs to me. The bill has a name and an account number. There is no signed contract submitted, there is nothing of personal information that validates that this is my bill. The only thing on this bill is my name XXXX XXXX. A debt collector my not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. So with this being said I have attached a letter of VALIDATION not VERIFICATION which is what they sent to my and will also be sent in an attachment as well.
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| 10/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I transferred my phone service from XXXX to another provider in XXXX. I realized the following month that I had not completely canceled because I had another charge come out of my checking account through auto bill pay. So I called XXXX to cancel and prevent that from happening again. I CALLED FOR XXXX MONTHS and could never get anywhere with an employee. I was told a supervisor would call me to sort it out. No one ever called. I kept being told they couldn't do anything in the middle of a cycle and to wait until my next statement came out. No one actually cancelled my service until XXXX months later! The final person I spoke to on the phone in XXXX, informed me that noone had actually cancelled my service yet. They had just un-enrolled me in auto bill pay. He told me my final statement would come out on XX/XX/XXXX and it would reflect no new charges. I NEVER RECEIVED MY BILL IN THE MAIL. I never even received an email.
Instead of a bill, I have received a statement from a debt collector that says I owe XXXX {$600.00}. I TRIED CANCELING FOR XXXX MONTHS.
XXXX deceived me and failed me.
|
| 08/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
|
About XX/XX/XXXX, I was informed on a credit report that I had an outstanding debt from XXXX Cable Company for {$180.00}. The information about my name, address, and last digits of my social security number were incorrect. Around this time, I had been a victim of identity theft. I completed a police report, which named the debt collections company, XXXX XXXX, on XX/XX/XXXX. The police investigation dated XX/XX/XXXX, ended with no results.
I wrote XXXX about the discrepancy on my report The reporting Bureau since placed this account in " dispute. '' They also placed my name, address, and last digits of my soc. sec. number in " dispute. '' Despite the fact that XXXX eventually reported the account is " deleted '' from my report on XX/XX/XXXX, I continue to be contacted by collection agencies. I sent a letter to all the credit bureaus -- XXXX, XXXX, and XXXX -- dated XX/XX/XXXX to reinvestigate the disputed debt or delete it completely according to the provisions of the Fair Credit Reporting Act.
I am currently still trying to resolve this matter, which impacts my credit for {$180.00}.
|
| 03/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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I am sending this again because you think Someone else is doing this for me. No, Im doing this for me, XXXX XXXX. Except this from ME please.
XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, These items must be removed immediately from my credit report CFPB
|
| 03/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This debt is paid with a settled amount of {$1800.00}. I have been told by numerous agents that as soon as the payment processed from my bank account, they would send an automated email with a receipt of payment. I have called them 8 times from XXXX and continue to be given different information by each agent. They have processed my payment and have told me they show a {$0.00} balance on their end but will not provide me with an email showing I have paid this debt.
I have been told I need to wait longer, I need to wait until XXXX ( XX/XX/10 ) by Noon, to call back at a different time, that the email was coming today, there is no one who can just use a company email to send this information, a different department handles the emails but I can not talk to that department because they dont handle phone calls, and then most recently have been told that their systems are down and they can not provide me with a letter.
I legitimately am just asking for proof that they have received the payment I have made. I have attached a photo of my bank statement showing the payment has processed.
|
| 01/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
|
|
On XX/XX/2020 I received two voicemails on my cell phone. My mother called the number back at XXXX XX/XX/XXXX. They asked to speak with me, she asked who she was speaking with and the representative said convergent outsourcing. My mom asked what kind of company that was and he said a debt collections company ( Not supposed to say that! ) She said Ok and the man proceeded to release all the info about my debt to a 3rd party ( Not supposed to do that ) She advised that rep it was not convenient for me to receive calls on that phone number unless it is after XXXX or XXXX est ( She couldn't remember which one she said ).
On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX ( not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX )
|
| 05/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I called XXXX XXXX XXXX XXXX and spoke to XXXX . I called in response to the written letter that this company sent to me. They said that the debt I had disputed was valid. I looked up my receipt from XXXX . Not only is the amount owed incorrect. On the bill they sent me there was unreturned equipment which my XXXX receipt show was returned. I used to work for XXXX and I know as a matter of fact that XXXX is well known for charging for service after the disconnect date as shown on the bill that was sent to me. I disconnected service on XXXX XXXX , 2017 and returned all of my equipment as well on that day. Also my receipt shows my current bill amount that was not the same as Convergent says I owe. I have tried during my call to get them to talk to me about the bill which they themselves said was not mine as my social security number did not match and told me to call XXXX . When I called XXXX , they told me to call Convergent. I want to make sure that this bill does not ever show up again on my credit report. I have attached all the documents to show the error
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
XXXX XXXX XXXX I owe {$520.00} for a canceled contract on XX/XX/XXXX. The contract was canceled because XXXX could not receive a signal for their services at my location. I had a technician try multiple times to resolve the issue. When he couldnt, because of my location, he said there was nothing he could do and I should cancel my contract. I have sent multiple letters to XXXX and 3 other debt collection agencies represented by XXXX disputing the debt. Each time I contact a debt collector they say XXXX recalled the debt and I need to contact XXXX. The last debt collection agency I contacted was Convergent, I spoke with XXXX XXXX. The last person at XXXX I talked to was XXXX ( employee number XXXX ). She is XXXX XXXX Senior Account XXXX. I disputed the debt with both XXXX and XXXX on the telephone on XX/XX/XXXX because both said they had not received a letter stating I disputed the debtXXXX XXXX is saying I did not give them enough time to resolve the issue but the technician was not putting all the information about appointments on file. I sent all hardware I obtained back to XXXX.
|
| 08/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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On XX/XX/2022 I received a letter from a debt collection company called Convergent Outsourcing. It gave an address on XXXX, WA. The letter stated I owed XXXX {$140.00}. I confirmed today with XXXX billing that I owe them nothing. Moreover, XXXXXXXX stated they had not sent my account number XXXX had not been sent to any collection agency. However, the Convergent Outsourcing letter referenced this account number. Convergent Outsourcing 's account number for this collection attempt. is : XXXX.
Recently, I paid a XXXX bill for {$70.00}. XXXX also billed {$71.00}, due XX/XX/2022 ; however, I was told, orally at a XXXX store, that the latter sum was to be pro rata reduced to only the amount owed for XXXX days of a month in which I discontinued service temporarily. Therefore, XXXX XXXX representative told me, I should not pay the {$71.00} but should wait for a credited sum to offset almost all of it.
I have e-mailed Convergent Outsourcing to dispute the {$140.00} they claimed I owed. Web search reveals other customers of XXXX have made similar complaints about Convergent Outsourcing
|
| 01/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A debt company called XXXX XXXX reported a claim to my credit report, and kept calling me repeatedly with alleged debt, I sent a letter asking for validation of the debt, which should under my rights of FDCPA include 1. The agreement bearing my signature stating that I have agreed to assume the debt 2. Proof of statute of limitations that has not expired 3. Agreement with the creditor that authoritezed them to collect on this alleged debt and a few more, in repose to my letter to proof validation of debt this company only sent a screen shot of there computer screen which does n't included anything I asked and not does it validate the debt, they also sent me a list of states they are able to collect and my state was not one of them, I called the number provided XXXX to ask why they did n't send the proper documentation, they kept transferring me from agent to agent after about 5 transfers and no answers to my question I asked for a manager and I was denied, and I kept getting talked to in inappropriately and hangued up on. This Company needs to find ways to better assist consumers.
|
| 11/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Last week ~XX/XX/17 I started receiving calls from an unknown number. I googled the number and it showed to be XXXX XXXX, though they never left messages nor their identification. I called the number back, twice and it said XXXX XXXX XXXX. The first time they refused to give me any information as I would not give my address as it seemed like a scam but said I owed debt. The second time I called I gave my address and he said he could not find me and that I would have to wait to receive something in the mail. I then called the number on the website instead and with just my phone number they said they were looking for a XXXX. The reason I find this so perplexing and odd is that when I called back the first and second time they repeated a name back to me that was almost like mine. I found this scary so I wanted to pursue the matter. I am unsure how they got a partial version of my name and number, but then said the debt was for someone else. I find it bizarre and concerning and want to make sure the credit I have worked hard to protect is n't going to be affected by some bogus company.
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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" FIRST NOTICE FOR AFFIDAVIT OF DEBT DENIAL. '' Fact, I so invoke nunc pro tunc, specified remedy under 15 U.S. Code 1692 ( c ) ( 2 ) and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX, of Convergent Outsourcing, Inc. to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it.
The Fair Debt Collection Practice ( FDCPA ) states that the debt collector is mandated to cease all collection activity when verification is requested. Verification is defined as : confirmation of correct truth, or authenticity by affidavit or deposition.
15 U.S. Code 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
This company is in violation and performing an infringement upon a consumer 's right to privacy.
|
| 12/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX XXXX from XX/XX/2012. Convergent is the sixth collection agency to attempt to collect the debt. The debt is not mine and all other collection agencies, in addition to the original creditor, have been informed that the debt is not mine.
I sent a debt validation letter to Convergent requesting proof that the debt was mine. They sent me a letter stating that the debt was valid along with a bill from the account on which the debt is owed. The account was not mine and, again, the debt associated with the account is not mine.
I called Convergent on the phone and let them know that what they sent me was no verification at all of a debt owed. They informed me that they would send documentation with my signature proving that the debt was owed. This was weeks ago. Convergent, through inaction, has refused to appropriately validate the debt.
Additionally, it should be noted that the alleged debt first became past due in XX/XX/2012. According to Florida law, the debt is time barred due to the statue of limitations.
|
| 09/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
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|
Web |
|
|
I feel the company violated my consumer rights, which i have proof of!
They owe me remedy per violation they committed. I will begin to further explain.
I spoke with XXXX XXXX & XXXX XXXX The company " XXXX XXXX XXXX '' as shown in screenshot of phone call received or " Convergent Outsourcing '' as stated on the phone by XXXX XXXX who addressed himself as the manager. I began to let him know that I do not owe said alleged debt, and i am aware of my rights in which they are in violation of. At that point XXXX Who represents said company as manager began to state verbatim " most people talk out of their XXXX and are really XXXX and do not know the laws '' at that moment i alerted him i will be filing a report with the CFPB to exercise said rights. I spoke with this same company the day prior and told them DO NOT call my telephone anymore, at which point they obviously ignored, and were Willfully Noncompliant as per 15 U.S. Code 1681n - Civil liability for willful noncompliance Pursuant to federal Law, I am The Original Creditor, Natural Person, & Consumer Per 15 USC 1692A.
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/XXXX, my husband and I applied and were approved for an RV loan through a local dealership. About 3 weeks later, my employer received an unemployment claim filed in my name. She responded to the claim that it was suspected fraud and I immediately notified PA Unemployment and filed a fraud report which resulted in the case being closed and no benefits issued. I have credit monitoring and put a fraud alert with all 3 bureaus as a precaution and after thoroughly checking all reports, did not see any suspicious activity.
Today, XX/XX/XXXX I received a notification from XXXX XXXX that a collection account had been added to my XXXX report. After logging in, there is a collection for Convergent Outsourcing on behalf of XXXX for {$920.00}. I have never had, or applied for any XXXX accounts or services. This is a case of identity theft and I need the account removed from all credit reports. It is causing undue hardship on my credit, especially as my daughter is starting college in a few months and we may need to obtain financial assistance, such as loans for her education.
|
| 07/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
To whom it, may concern : On XX/XX/2017 I purchased an apple XXXX from a XXXX affiliate store in XXXX XXXX Ca.
Truthfully, during the subsequent months, I did have trouble keeping up with my payments, however, XXXX was willing to extend me time on my service ... keeping my phone on, and I would get caught up. Then without any forewarning whatsoever, they would no longer work with me.
At this point in time, I respectfully requested that they send my final bill as I would seek a new vendor/network.
The VERY DAY after I received the final bill as requested, I also received a collection account letter from a company called Convergent. I called this firm, explained the situation, and they said ... '' take it up with XXXX '' Consequently, I have never had any further correspondence from the collection agency, and all my efforts to remove the damage to my credit report ( phone calls and letter ) have got me no where.
This is a blatant and absolutely unfair, and bad business to do things in this manner.
Thank you in advance for your consideration.
Sincerely, XXXX XXXX XXXX
|
| 08/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address via the XXXX Online Chat. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated with XXXX XXXX XXXX - XXXX XXXX XXXX XXXX and directly with XXXX XXXX XXXX XXXX - XXXX XXXX XXXX denied and completed my fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to review and remove the account from my credit report.
|
| 11/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have attempted numerous times clearing up a debt on my credit report that is not mine. XXXX cable opened an account in my name that I never authorized. I also never lived at the address they opened the cable account in. They can see my address history on my credit report and the address on their account I never lived at. They keep sending me a paper asking for police reports and massive amounts of personal information. It is their responsibility to prove the account is valid not mine. I have no collections on my credit besides this fraudulent account. XXXX cable removed the account for many months then all of a sudden they have now sold the account to convergent outsourcing and they began reporting an account starting XX/XX/2021. They are again trying to collect on a fraudulent account. They are also attempting to start reporting on me again from 2021. This account I have been fighting for years!! It was not opened in 2021. I want this account removed! I am attaching a screenshot showing that XXXX cable is attempting to report on my credit again and I have disputed it.
|
| 08/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2021 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 05/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
ConvergentUS did not address my previous compliant. this compliant is being sent in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX 5 USC 1692g Sec. 809 ( 8 ) 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 your offi ces provide me with competent evidence that I have any legal obligation to pay you. . 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 of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request in a timely manner. all of the 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.
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2022 I identified discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
|
| 05/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Were being communicated by a debt collector, Convergent Outsourcing , Inc, that we owe money for an XXXXXXXX XXXX that was purchased with stolen information of my identity. The purchase was made in XXXX of XXXX using a fake email address and a deposit placed on a credit card with the last four digits of a card that does not belong to me. The XXXX was apparently leased through a company named XXXX XXXX, XXXX, which we have no clue where this company is located at. Ive had the same XXXX, since XXXX and Im on a plan with my son through XXXX XXXX XXXX. Ive never needed a new phone.
We have filed a claim with the local police department regarding this identity theft & financial crime. I have communicated to the debt collector that this was due to identity theft by using steps provided by the FTC website to ensure that they stop any collection activity and stop and credit reporting based on these events. However, they consider this debts valid but on what ground? The fact they have have my stolen info and a fake email and a credit card with no ties to my name for a deposit?
|
| 09/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A letter sent to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Amount Owed : {$630.00}, Dated XX/XX/2020, Creditor : XXXX, Client Account # XXXX, Letter Sent by : Convergent Outsourcing, Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Phone : XXXX www.payconvergent.com. I called Convergent on XX/XX/2020 at XXXX XXXX. ( MST ) to speak with them regarding this bill.
I called Convergent and spoke with XXXX XXXX, debt collector and XXXX XXXX, XXXX. XXXX said they are calling from XXXX ( didn't get the street name ), XXXX, MI, XXXX XXXX XXXX XXXX. I told her I don't have a XXXX Account and didn't know why I received a bill from Convergent. They wanted my full name so I told them.They also wanted the last 4 digits of my Social Security # and I got scared and upset so I hung up the phone. She also asked me if I wanted to do any future business with XXXX. I was then totally confused because I'm not sure why she would ask me this question? I repeatedly told her I never had a XXXX account! SCAMMER! They are trying to get money for a service I never used.
|
| 01/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was charged for a piece of equipment from my former cell phone company that I returned via XXXX. I received a bill for the piece of equipment on XX/XX/19 and contacted the company advising that I would be returning the equipment that weekend and to please note my account. I was told that my account would be noted and that my account would be credited to reflect a XXXX balance when the equipment was received. The equipment was received by XXXX on XX/XX/19 at XXXX XXXX I received a letter from a debt collection agency dated XX/XX/19. This debt was not even 30 days old and was turned over to collections and now the original cell phone company AND the collection company fail and refuse to reflect a XXXX balance on my account although they HAVE received the equipment and confirm that they have received the equipment. This should NEVER have been turned over to collection as the alleged debt was NOT in excess of 30 days in arrears AND I had already contacted XXXX and advised that the equipment would be returned. In fact, XXXX is the one who provided the XXXX shipping label.
|
| 02/19/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got an alert in my email from XXXX XXXX. I checked my credit report and it showed a collection agency named XXXX XXXX reporting a student loan debt. I sent them a validation letter because I did not recognize it. They mailed me a response on XX/XX/17 saying they are attempting to collect a debt for XXXX XXXX XXXX and they attached verification documents regarding the debt. I looked at the documents and it was a Loan Request/Agreement Form with someone else 's name, address, social security number and school I had never been to before. It also had the co-signers name, address and social security number. That was a breach of their privacy. The other pages were payment history of the student loan from this person but it does not show his banking information. I was so upset because not only did my credit score go down, they sent me someone else 's personal information with all this identity theft going on. I responded with a letter to notify them of the error and to have it removed from my credit report immediately. They have not responded, so I want to file a complaint.
|
| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was notified that there was a collection on my credit report from XXXX XXXX. The collection company is Convergent Outsourcing in XXXX XXXX. I have never used XXXX XXXX. The collection company gave me the account number, the address and email that was used. All of those were not mine. They did use my old phone number and somehow had my last 4 digits of my social security. I do not know how they got those but I did get a new phone and phone number around the same time back in XXXX. The collections lady said maybe they got my old phone number and were able to obtain the info. I only know that it was not me. I never lived at the address given. I never had an XXXX account. I did not have the other phone number used to set up the account. The address given was XXXX XXXX XXXX XXXX IL XXXX. The XXXX account used was XXXX. The email they used is XXXX. The other number attached to the account was XXXX. I have lost a loan because of this issue and can not get this removed from my account without an FTC claim. This charge is NOT mine. I pay my debts. I never opened this account.
|
| 04/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I am disputing this fraudulent charge. I have not opened any XXXX XXXX account, nor authorized an account to be opened in my name. My cell phone is on my husband 's XXXX plan which differs in account number from the fraudulent charge account. Chronology of this account : XX/XX/2022 received a letter stating I had not used any of the lines activated on the fraudulent account.
XX/XX/2022 received another letter showing debt of {$3200.00}, and threatening referral to a 3rd party debt collector.
XX/XX/2022 contacted XXXX using my husband 's XXXX cell phone. XXXX, the customer representative, assisted us and could not find the account or any account under my name. She advised we could disregard this notice.
XX/XX/2022 contacted the NM State Attorney General 's office to file complaint XXXX.
XX/XX/2022 received letter from 3rd party debt collector.
XX/XX/2022 notified by my credit reporting vendor this debt is on my credit history.
XX/XX/2022 submitted a complaint to Consumer Financial Protection Bureau XX/XX/2022 disputed the debt with the 3rd party collection agency.
|
| 11/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2018 we moved from XXXX XXXX XXXX, XXXX XXXX, NJ to our current address. We had to cancel our XXXX XXXX service and they sent a box and prepaid XXXX ground label, tracking number XXXX to return their equipment. The equipment was sent back on XX/XX/2018 and received at their facility in XXXX, PA on XX/XX/2018 at XXXX. Despite having concrete evidence the equipment was returned, XXXX billed me for the equipment. I'd call, give the tracking number, be told it would be taken care of and just get a new bill. XXXX then sent it off to collections and I've been being harassed by collection agencies since. The collection companies, upon being told by me the " debt '' doesn't exist, simply pass it off to another company. I am currently in receipt if a notice from Convergent, their reference XXXX demanding payment. This is at least the 2nd, if not the third time Convergent has handled this same debt. Please note this matter has also impacted my credit report. Can you please advise how to resolve this matter? Many thanks in advance for your kind attention to this matter.
|
| 05/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to turn you in to immigration or deport you
|
|
Web |
|
|
XXXX XXXX- is VERY AGRESSIVELY, and TOO AGRESSIVELY attempting to collect on the debt that is not mine in first place. I contacted XXXX in XXXX as soon as I saw this collection on my credit report. XXXX could NOT find any negative accounts in my name.. I still have my phone active and in current status with them ... In XXXX I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house ... this is outrageous and should not be allowed. please help me stop these XXXX!!! I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!!
|
| 10/09/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I am writing this due to non compliance and falsifying documents with debt collection agency : Convergent Outsourcing inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX They have failed to provide me with sufficient information to prove I owe a debt of {$1700.00}. On XX/XX/2020 they mailed me a debt validation letter after i filed a dispute online. I also most importantly want to point out they are illegally using the symbol of pre sorted first class mail on the document they mailed to me to validate this debt. I have worked at the Post office for 10+ years and I know for a fact that pre sorted " PAID '' FIRST CLASS STAMPS '' are not supposed to be used on the bottom of billing statements. They are only supposed to be used on the outside of envelopes when mailing something through the Postal Service. I also stated this to them in a debt validation letter i sent them on XX/XX/2020.
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I will also be reporting the company to the Postal Inspectors and Postmaster General.
|
| 05/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX changed over their billing system in XXXX, 2016. Because of that change, they were late in mailing their bills. Once I received mine and verified the balance, I paid it. Due to the ineptitude of XXXX XXXX 's financial people, many people, such as myself, were sent to Convergent Outsourcing for collections actions. On the date of the letter from Convergent, my balance with XXXX XXXX was {$38.00}, not the amount stated in Convergent 's letter of {$860.00}. XXXX XXXX, due to their error, should not have sent me to collections, but due to lack of competent oversight, my account was sent out. Convergent Outsourcing did not do their due diligence in accepting my account from XXXX XXXX, as my account with XXXX was current and they had an incorrect balance in the letter. Another red flag that Convergent missed was a sharp increase in accounts referred from XXXX, which should have alerted them to the fact that something was wrong at XXXX XXXX. Since my account with XXXX was current at the time of the calls and letter, I consider the calls & letter to be harassment.
|
| 08/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XX/XX/2017 i added voice, the phone, to my XXXX account. The cost is {$20.00} per month. plus Carefree Minutes, World Select 300 for {$9.00} per month. I specifically made it clear that I want the international calling plan for XXXX XXXX. and that is the only reason I needed their phone. I use my cell phone for everything else. They also charged {$10.00} XXXX /month for rental of equipment. I BOUGHT the equipment I did not rent theirs.
XXXX charged me {$9.00} per minute for my calls to XXXX. {$9.00} is supposed to be the flat rate for the month if the usage is under 300 minutes. I have complain to XXXX supervisors even up to their cooperate office. I was told that XXXX is not included in their World Select plan but because it was XXXX 's error in setting up this plan for XXXX they will honor it. They kept removing the excessive charges one month and then added it back the next month. XXXX now send me a bill for {$520.00} for international calls, equipment plus penalty. Convergent, XXXX 's collection agent is reporting this false claim to all the credit bureaus.
|
| 05/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have sent the following letter to the company. Of course before that I tried several times to remedy the issue.
I am requesting that the following account be removed immediately from my credit report. Description : Fraudulently establishment of this account without my permission or authorization. I have tried to work with your collection agency requesting removal of this account but you haven't removed it yet. Your company is not approved to conduct business in the state of CA as of this day. It's pending approval. If I am unsuccessful with this attempt having this frigolus account removed from both reporting agencies, I will be forced to file a suit in federal court naming the credit reporting agency and the acceptor of this letter as defendants.
If No action is taken from your company as an extra measurement for my protection of sensitive information as well as the removal of this account from both Reporting Agencies then the following agencies will be formally informed so they can assist and resolve this matter in order to protect my rights as a consumer.
|
| 01/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I have XXXX issues with a collection on my credit report ( XXXX ). # 1 ) I have tried numerous times to get this collection off of my credit report and the company keeps selling the debt to a new collection agency so it continues to show up on my credit report ( proof attached from XXXX ) # 2 This debt is over XXXX years old and was included in my bankruptcy, which is supposed to make it to where the collection agency can not contact me. They continue to contact me to try to collect on this debt ( Proof attached from Convergent Outsourcing bill collectors. They should not be allowed to send me a bill nor put it on my credit report as a new collection. This debt is over XXXX years old and I would like the collection agency to stop sending me bills and remove the debt from my credit report. Credit report also shows collection was included in bankruptcy ( Proof attached ) Please help me because I have been dealing with this for about 7 years now and they will not stop selling the collection to other agencies. I would like it completely removed from my credit report.
|
| 01/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
A XXXX agent represented a monthly service amount of {$34.00} on XXXX. After installation on XXXX, they started billing more than the agreed price. I paid the contract sum in XXXX, XXXX, XXXX and XXXX, but no overages. After many requests to fix the bills, XXXX XXXX failed. Since they breached the contract, not me, service was discontinued in XXXX XXXX, and they were not entitled to early cancellation fees. XXXX and their agents nevertheless started sending collection letters on XXXX. Fully aware of the dispute, XXXX XXXX tried to take {$270.00} using my credit card on XXXX, without my consent, or a Judgment. Their attempted theft was reversed. Over the years, XXXX agents, XXXX XXXX ( XXXX ), Financial Asset Mgt. Systems ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and Convergent ( XXXX ) all sent harassing letters. The latest Convergent letter arrived XXXX. XXXX and its agents know the 6-year breach of contract statute of limitations ran in XXXX XXXX. Collection efforts are now clearly illegal and frivolous, as they have no basis in law. Monetary relief is requested.
|
| 09/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I found a debt collection agency listed in my credit report. FDCPA 809, states that debt collectors have 5 days to notify the alleged debtor, the name, address, phone number, the amount of the alleged debt, notification that you have 30 days to despute the alleged debt, or 30 days to even have the debt verified.
XXXX XXXX XXXX failed to notify me in any way.
NO PHONE CALL, NO LETTER, NOTHING, BEFORE POSTING THIS ON MY CREDIT REPORT.
SO, XXXX XXXX XXXX, YOU ARE HEREBY NOTIFIED OF THE FDCPA VIOLATION.
There has been case laws that consider putting this in a credit report constitutes the fist initial communication. You had 5 days to notify me of my FDCPA rights, which you just violated.
You put this in my credit report on XX/XX/2018. Your 5 days are GONE.
So, NOT ONLY DID YOU FAIL TO NOTIFY ME OF MY RIGHT TO DISPUTE, YOU DID NOT NOTIFY ME OF THE NAME ADDRESS OR OTHER INFO ON THE ORIGINAL CREDITOR, YOU DID NOT TELL ME THE AMOUNT OF THE ALLEGED DEBT, AND YOU SENT NOTHING AS FAR AS PAPERWORK THAT EVEN VERIFIED OR VALIDATED THE DEBT.
YOU BROKE THE LAW!
|
| 04/01/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I called Convergent Outsourcing XX/XX/22 to pay the collection account sent to them from XXXX XXXX XXXX {$300.00}. I was asking for a settlement, the representative informed me they couldnt settle the account but I could have the balance reduced by contacting XXXX XXXX XXXX to send the internet modem equipment back before I paid. I callled XXXX XXXX XXXX and they said they are sending me a return box and shipping label. XX/XX/22 and I havent received the return box and label. I informed the Convergent representative that I was intending on paying when the equipment was sent back and the balance was adjusted when she informed me to call XXXX XXXX XXXX. Convergent has placed this account on my credit report even though I called to pay on XX/XX/22 and didnt because Convergent representative told me the balance could be adjusted which prevented me from paying that day. XX/XX/22 Convergent representative told me account wont be deleted when paid although their representative is who told me to contact XXXX XXXX XXXX to have the balance adjusted when I called to pay.
|
| 03/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have been in contact with Convergent Outsourcing several times regarding an account XXXX XXXX XXXX submitted to them with my son 's information but my social. I have sent all asked for documentation proving that this is not my account I never lived at the service address and my XXXX XXXX XXXX account number is different from his. I sent evidence that my account was in good standing. I sent a credit report and a lease agreement etc. I call and they say that you are still waiting to hear back from XXXX XXXX XXXX well it's been almost three months and I am getting the same story from them doing nothing but still reporting this inaccurate information to the credit bureaus. Also, note they have not called me or currently trying to collect on this debt they just keep reporting this in accurate information. THIS IS NOT MY ACCOUNT. I gave you my son 's information which you did not have I have been completely transparent and accommodating but that stops today because I have been getting the run around. Convergent Outsourcing is knowingly reporting false information.
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I use to be with XXXX and I had bought a new android phone. This happen back in 2019. I was told that I have 7 days if I didn't like the phone. So I wanted to go back to my XXXX, so I returned my android back on the XXXX day. I went back to the XXXX store located on XXXX Blue XXXX XXXX XXXX, Missouri XXXX and told them that I didn't like the phone and wanted to returned it. I had all the equipment that came with it. I spoke with XXXX and she took all my equipment back including my phone and told me that I had a {$0.00} balance and that I didn't owe anything. XXXX has been bought out by XXXX and I have tried calling them and the outsource to advise them that I don't owe anything and that I returned my phone and equipment back before the 7 days ended. At this point I received a bill that I owe {$1300.00}. This is really effecting my credit report and I am unable to get anything done because this is harming my credit report so bad. I've been with XXXX for over 8 years and this is not right at all. The current company that has my file is Convergent Outsourcing.
|
| 02/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted.
thank you for your time concerning this matter at hand
|
| 01/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
In XXXX 2015 I was being over charged for data with XXXX XXXX account XXXX I changed service and went to XXXX who had unlimited data. I contacted XXXX in regards to a tablet that at store I was told I could cancel any time. I received what I thought was a final statement in XXXX and paid it. I heard nothing from them until XXXX 2015 when I got a bill for for {$500.00}. I was in total shock I contacted the office several times and no one could give me an answer. one representative told me the tablet had never been canceled and that was the fee. I said why did n't I get a bill she did n't know. Another said it was for the equipment fee for number ending XXXX. I ASKED WHY WAS N'T I CONTACTED BEFORE AND WHY NO BILL. SAD TO SAY I got no where. Then I said it all should have been stopped on XXXX XXXX. Now I get a collection letter from Convergent out sourcing say I owe XXXX and refuse to listen to me. I am willing to pay for the remaining balance on equipment on XXXX/XXXX/15 but not all these monthly fees when I canceled it all on XXXX/XXXX/15 can you please help.
|
| 07/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Furthermore the name on the statement along with the address is inaccurate. Upon contacting the original creditor they was able to pull up an account with the name used on the statement which they claim is validation. She told me the account was closed in XXXX. However they have it reported on XX/XX/XXXX? Seems to be to me they are attempting to re-age an old debt. Not only that, but the amount they have reported is {$870.00} and the amount they have on the statement they sent me is {$870.00} I know this information has to match exactly. I am making a final goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in theyre reporting. I have attached my birth certificate as well as my drivers license. I have also included what I sent them, when they signed for it and what they sent in response to this invalid account on my credit.
|
| 02/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In XX/XX/XXXX I cancelled XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items they sold this " account '' to XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX In XX/XX/XXXX XXXX XXXX put this nonsense on my credit report, but did not bother to assign it an account number. I can't dispute this without an account number and the length of time it takes for something to fall off of a persons credit report started all over at that time. From what I can tell they can just keep selling this and the new company can just refrain from assigning an account number and I can never fight it. Therefore I will be saddled with this forever. This should be illegal. I am asking for your help with this matter.
|
| 11/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XXXXXXXX XXXX XXXX, I ordered two XXXX XXXX phones and two lines of service. XXXX XXXX shipped the phones to the wrong address, so I cancelled the order and decided not to get service with XXXX XXXX. XXXX then charged me for a bill that I never owed and sent it to collections when I refused to pay something I don't owe. XXXX XXXX does not have a previous account number for me or any information about because I never had wireless service with them, but they charged me for it anyway. Now, I have a negative mark on my credit report saying that I had owed {$100.00} to XXXX XXXXXXXX XXXX XXXXXXXX as of XX/XX/2022, and the account was closed as of XX/XX/2022. I have repeatedly called XXXX XXXX and the debt collector to fix this issue, and both are refusing. They tell me that I need to call the other company no matter who I call. This illegally charged debt has negatively effected my credit score and I need help getting this corrected as soon as possible, because neither XXXX XXXX nor the debt collector will do anything to fix this.
Thank you for your time.
|
| 06/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
In XXXX of 2016, while reviewing my credit report, I noticed a collection from XXXX XXXX XXXX for XXXX in the amount of {$700.00}. Upon further investigation I found the account was open with an address I never lived at & the social security number used was similar to mine. The 5th & 7th digits were incorrect. I immediately filed disputes with XXXX & XXXX. Both agencies responded " Result Verified-No Changes ''. I then filed an Identity Thief Report with the FTC and sent letters to XXXX request they provide copies of the paperwork used to open the account ; copies of bills with phone numbers called ; any & all information showing when, where & by whom the account was opened. I filed a total of 8 disputes with the Credit Bureaus & all that was resolved was the wrong. They continued to claim the account was mine, but stated they COULD NOT provide me with any information regarding their investigation. XXXX never responded to my letters. Today, I received a collection letter from XXXX XXXX XXXX How I need to start the letter writing process with Convergent.
|
| 05/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I had an old XXXX prepaid account no contract because it was expired, and I was paying on a month to month basis. I had a balance of {$150.00}. which was paid from my account back in XX/2012 . XXXX continues to place an amount {$450.00} on my credit report for a balance owed. I have filed a complaint with the better business bureau disputing the charge s in 2012 and t hey were removed. I provided screen shots of the payments being received by XXXX and they continue to charge for an amount that I do not owe. XXXX continues to place the account with different collection agencies on my credit report in which at this point XXXX refuse to remove it stating the collection account is valid after previous disputes from the past four years, which have been removed and recorded as being invalid. I have filed another complaint with the BBB today and still have documentation of the final payment being received by XXXX along with no active contract at the time back i n 2012. This ha s messed up my Credit report by adding it as unpaid collection account.
|
| 02/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Servicemember |
|
1. This company Convergent Outsourcing falsely misrepresented in their call saying it was XXXX, trying to collect {$170.00} XXXX owed.In a letter to me XXXX, it lists XXXX to pay or by credit card. I called XXXX & clarified that there is no debt of {$170.00}.
2. A few days later, this same company called with an automated message to XXXX XXXX " from the District Attorney 's office with pending charges & should contact this office at once.You have been notified. '' I was terrified & immediately called that number. The same scam from Convergent Outsourcing regarding collection of {$170.00} due XXXX.
These calls began the day after I called for a free credit report from all XXXX agencies. I received my XXXX reports & have nothing negative, only my fairly new XXXX transactions, which are favorable.
I have made XXXX aware of this scam so hopefully, they too will file complaints against Convergent Outsourcing. In my opinion, this should be turned over to the legal authorities as a misdemeanor or even felony.
Convergent Outsourcing , Inc XXXX, WA XXXX XXXX
|
| 10/03/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This collection of debt is incorrect. I have never received any notices from this company. I have photos & videos of this service being disconnected because of damage from a hurricane named Delta on XXXX/XXXX/XXXX. The service was never turned back on because no one was living in this house. The house was moved off our property XX/XX/XXXX. This company was unlawfully charging me for a monthly service of electricity from the XX/XX/XXXX until XX/XX/XXXX. I've contacted this utility company multiple times without any response. I've tried to dispute and have heard nothing back. I have tried logging into Convegents website and it always says information doesnt match. On XX/XX/XXXX i contacted an agent from Convergent ( XXXX XXXX & she stated she can not explain why i can not log on and see my charges. This is not the only disputes this company has in our city. They have been on the news multiple times for charging people that were not connected. Im not sure what my next step is. This is the only derogatory mark on my credit. Any help is greatly appreciated.
|
| 05/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom it may concern : I have a collection account on my credit files from a collection agency the account is as follows : XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX. Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I have sent them a dispute requesting a VALID CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT and NOT A BILLING STATEMENT. I will attach a screenshot of where this company is licensed to collect and it isn't in the state of ILLINOIS! I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois and A CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
|
| 04/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX has been attempting to collect {$330.00} from XXXX that I dont owe them. Ive reached out XXXX about this bill and they said they would remove it as my responsibility and remove it from my credit report. Since then, XXXX has put the {$330.00} with several collection agencies which was put on my credit report each time.
Since XXXX I have disputed the {$330.00} placed on my credit 4 times by 4 separate collection agencies. Each time I dispute the collection it has been removed, only to be placed on my credit by another collection agency. Its presently once more placed on my credit report on XX/XX/XXXX by Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX WA XXXX for {$330.00} Original Creditor XXXX.
This collection has taken off XXXX points off my FICO score in a time when I need my good credit to get a loan due to the current Coronvarius pandemic impacting my livelihood. It seems I dispute this collection, only to have it be placed on my credit by another collection agency XXXX hires.
Im asking that it be permanently removed from my credit report.
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| 03/23/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received an alert XX/XX/XXXX that a collection item was put on my credit report. I pulled my report from the reporting agency that sent the alert, and it was XXXX XXXX. I have not received any letters certified or otherwise, an itemized bill showing that I owe this debt. This company just took it upon themselves to report this information on my credit report without allowing me to dispute it. There was a lie placed on my report stating that the debt was opened on XXXX credit report XX/XX/XXXX. I didn't have service with XXXX in XX/XX/XXXX. I didn't have any collections on my account from this company. I check my credit report all the time. This collection item has brought my score down, and has held me back from taking care of repairs on my home. Also, I've been receiving calls from a number that I am not familiar with. When I call the number back, there is a recording stating that the number is unknown. In the past, the collection agencies use these numbers to call consumers. I've never talk to this company before, so I haven't given out my number.
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| 06/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
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?!
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| 04/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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This correspondence is regarding Convergent Outsourcing, which claims I owe a balance of {$2400.00}. I have requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I have requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Any and all negative mark found on my credit reports ( including XXXX, XXXX, XXXX, and any other credit reporting agency they have reported to ) for a debt that I dont owe, is a violation of the FCRA & FDCPA.
I have been harassed by calls daily. Each time I ask for verification and ownership of the debt, and nothing has been provided and if they can not validate the debt, Convergent Outsourcing must delete all entries with all credit reporting agencies.
Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary.
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| 03/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Im in the process of trying to buy a house and when my morgage guy went running my report to get me a preapproval he came across an acount which has been placed in collections with the original creditor claiming to be XXXX XXXX and the collection company being Convergent Outsourcing Inc stating I have an account opened on XX/XX/2019 with a balance due of {$1100.00} I tried to call this company at XXXX XXXX XXXX XXXX and they cant twll me anything without an account number which I dont have. I have a slight problem with this issue since I dont owe any money to XXXX and never have I actually had to fight an issue like this a few years ago between XXXX and the XXXX to which it was deleted by XXXX but now I see they must have done something with my info for they are at the middle of this issue being the one who was the original creditor not juat this time but thw last time also so unless you can give me verifiable proof to thia debt pleaae make thwm delete this it has not damaged my report twice and this time could have ruined my chance at buying a home
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| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I filed this complaint with the FTC # XXXX on XXXX XXXX XXXX Their response was not relevant.
Several months ago I was reported to the credit bureaus by the following company : Creditor Information - XXXX XXXX , XXXX .
Prior to this I was not contacted, not even once! It was regarding a disputed bill from XXXX XXXX from years ago. I had received collection agency letters previously but each company dropped the collection attempt after I wrote them back with proof that the bill is an error.
I have two compliants : First, XXXX should not be allowed to harass me in perpetuity because they dont want to accept the truth about their bill being an error.
Second, it should be illegal for a collection agency to report me without ever contacting me. I wrote them a message and the best they came up with was to call them.
Please note, I far prefer email over all other forms of communication, I am XXXX XXXX and unable to converse on the phone. I can access email easily using my eye mouse and will reply to your correspondence promptly.
Thank you.
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| 01/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I have sent a correspondence in response to a letter XXXXonvergent Outsourcing , Inc. sent me on XX/XX/XXXX. Within that letter, they informed me that I owed an " alleged '' debt and that they provided valid proof of verification. This is not so. Pursuant 15 USC 1692c ( a ), a debt collector may not communicate with a consumer in connection with the collection of any debt which Convergent Outsourcing , Inc. clearly stated in the letter they sent me and only the original creditor can validate an " alleged '' debt. Pursuant 15 USC 1692, Convergent Outsourcing , Inc. is fully aware of the laws that fall under the Fair Debt Collection Practices Act, but fail to comply with the consumer laws by reporting this alleged debt. As a result of this false report, it has caused my credit score to fall making it hard to get approved for lines of credit which is defamation of character. These false reports harm my reputation with lenders and my credit worthiness. Convergent Outsourcing , Inc. has received my correspondence and supporting documents on XX/XX/XXXX.
|
| 09/08/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I received a notice from XXXX stating my credit had been flagged I have, & NEVER miss payments as I have a high credit rating and knew that what they were saying was impossible.. It came as a debt they say I owed XXXX I have the XXXX account number and I knew there could be no money owed as so purchased my number and had it ported to another company over 2 years ago.. They never port, or sell a number without all accounts paid including the last bill.. I still contacted them they gave me the account number and said there was a XXXX balance as well.. After further investigation, I saw the name CONVERGENT XXXX Mind you, I have never been contacted by this company other than to ding my credit and a look into my identity was posted..I have tried to reach them to no avail!! Its JUST UNBELIEVABLE!!! I have since discovered it is Blatant FRAUD, I am following up with you because it has been brought to my attention that others have tried as well Please get back to me, so we can not only stop these people but rectify the situation..
Sincerely, XXXX XXXX
|
| 05/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XX/XX/XXXX received letter from Convergent Outsourcing XX/XX/XXXX I Sent a debt validation letter requesting : -Provide verification & documentation that these is a valid basis for claiming that I am required to pay the debt to the current creditor with my original signature..
-Advise when the creditor claims this debt became due and when when it became delinquent -Identify the date of the last payment made on this account, -Advise if a determination that this debt is with the statute of limitations applicable to it.
-Advise when do they think the statute of limitations expires for this debt and how is that determined -Details about their authority to collect this debt : Does company have debt collection license in Georgia. If outside of Georgia does the firm have a debt collection license from that place, and if so please provide the date of the license, name on license, license number. etc.
XX/XX/XXXX : Received " verification '' of debt a billing statement ( XX/XX/XXXX - XX/XX/XXXX ) and flex lease agreements without my original signature
|
| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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I am sending this letter to you in response to a notice I received from you on XX/XX/2021. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX XXXX 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 XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request that your office 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 ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
|
| 06/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This situation has to be a pretty interesting one. I haven't had an account with XXXX for well over a decade. This account is not mine. I requested to validate the debt and their first response was an offer to settle the debt. Offering to settle is not validation of a debt. They did not abide by federal law.
After my second letter I received a very interesting print out with costs, and conflicting information. The second statement does NOT include any original paperwork/contracts with my. There is NOTHING with my signature. Just a weird, seemingly falsified, print out with two different company names on it.
They identify as XXXX and XXXX XXXX College? Anyway this company did not properly validate this account. There is no original contract, there is no paperwork with my physical signature. Come to think of it I've been with XXXX since about XX/XX/2009. This needs to be removed from my credit report. I also need their Washington State 's representative 's physical address, and contact info, so I can move forward with court if needed. Thank you!
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter from convergent outsourcing solutions about a bill I owed to dish network. This was not on my credit report either. I called and settled the debt for half of what was owed since they couldn't verify why an extra XXXX dollars was added to the debt with them before the deadline they provided. I had noticed my account showed I hadn't paid so I called back and they said they had been having problems processing payments. Was instructed to go to XXXX XXXX website while on phone and pay there which I did and I specifically made clear that this wouldn't go on report since I have paid. It is now on my credit report currently and they company keeps calling me about this debt and once I'm on the phone they realize I had settled and say they will let a supervisor know and everything is taken care of. I'm getting harassed by phone calls for a debt that is paid and they are fraudulently report this on my credit and nobody I've talked to there seems to care. They just keep saying they let their supervisor know and nothing is getting done.
|
| 11/11/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore 2nd Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
|
| 07/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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On XXXX XXXX, 2016 I requested VOD from an item reporting to my credit report. The collection agency listed does not clearly state who the original creditor is. I requested the VOD and sent a copy of my identification, my social security card and proof of address. Yesterday I received a letter from the collection agency with supposed VOD. Not only am I the wrong consumer, they include personal information including name, social and address of their debtor in the letter they sent me. It clearly proves that I am NOT the debtor in their file. The documents they forwarded to me do NOT have my name, address or social security number. This collection agency has violated right of privacy by sending me VOD that which belongs to someone else. They have violated FDCPA laws by incorrectly reporting this debt to my credit report damaging my file. I clearly proved my name, address, and valid social security number ; however, they ignored this data and sent me a bill in someone else name. I am demanding this incorrect debt to be deleted from my credit file.
|
| 09/16/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Accounts were opened with XXXX, XXXX and XXXX & XXXX using my personal data. I have reported fraudulent activities to all three carriers as well as reports about my services being unusable do to hacked websites from all three carriers. XXXX has denied me services and device credit opportunities and their customer support number as well XXXX XXXX support number always sent me to the same person i believe my number was relayed to fraudsters or imposters. On several occasions i reported the problems with their service and internet and nothing was ever resolved. XXXX has charged me for services that i was unable to use because of a device that was returned and their failure to exchange it for another one, even though i retuned the device within the XXXX day time period. I was denied device payment options upon the return of the other device. These companies have been buying and selling my personal data for years without my authorization and i have not been compensated for the harm that was caused from their unauthorized use of my sensitive data.
|
| 04/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I cancelled internet service with XXXX as they did not have customer service for deaf customers and their internet service failed to my home. Their response was always " call us '' but they did not have TTY and I am deaf. I was billed for several months where clearly I did not have service and thus XXXX failed to meet the minimum contract service requirements. XXXX eventually agreed not to charge me for their failed service, however I have now received an offer from Convergent to reduce the {$190.00} that I do not owe to {$130.00}.
This is a fraudulent attempt to collect a debt that was discharged by XXXX and which resulted in a number of complaints against XXXX by Colorado customers with similar complaint histories as mine. I NEVER owed CenturyLink as they were notified that I cancelled internet service and continued to bill me after I cancelled service in violation of Colorado law and contract law. Convergent is committing XXXX by attempting to coerce payment for a " zombie '' debt that XXXX has clearly XXXX from their accounting books.
|
| 02/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been trying to contact and dispute this account for over 2 years now with no proper verification of this debt. I have sent letters and all valid documents starting in XXXX of XXXX. I finally received a response my second time asking for validation in XXXX of XXXX and was told the Convergent sent all information to sprint XXXX XXXX and is still awaiting a response. Sprint is not responding to the company and the company is not able to send me anything that proves i am responsible for the alleged debt after 2 years of negatively reporting to the credit bureau horribly affecting my credit report.
I want to be explicitly clear with my request. I have not requested validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that they are being willfully negligent in rectifying my affairs. Over the past almost 3 years that I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
|
| 06/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing, Inc. has reported collection activity to the credit rating agencies and damaged my credit score. The debt that Convergent Outsourcing is trying to collect is not my debt. It relates to a XXXX bill owed by somebody who either has my same first and last name or who has impersonated me. In any event, I have never lived at the address where the XXXX XXXX in question was obtained in XXXX. That address is in XXXX XXXX, Georgia. I have never lived in XXXX XXXX, Georgia. Moreover, I have lived in XXXX XXXX, California, for the past 5 years.
I have repeatedly written to Convergent Outsourcing and demanded that they fix this issue by removing the derogatory information from my credit reports. On both XX/XX/XXXX, and XX/XX/XXXX, I wrote Convergent Outsourcing detailed letters and provided supporting documentation. Convergent Outsourcing has not responded to my XX/XX/XXXX letter and continues to report the derogatory information to the credit rating agencies ( the most recent reporting date was XX/XX/XXXX ). This is outrageous.
|
| 01/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Convergent Outsourcing, Inc sent me a letter on XX/XX/XXXX stating that I owe a debt in the amount of {$16000.00} to XX/XX/XXXX, XXXX. They also state that they are willing to reduce the amount by 35 % to {$5.00}, XXXX. ACCOUNT NUMBER : XXXX. The letter doesn't not include enough information about this debt. I've never heard of XXXX XXXX, XXXX. Original creditor XXXX XXXX XXXX XXXX. I am filing a dispute about the debt they are trying to collect. They contacted me by mail, on XX/XX/XXXX and identified the debt as XXXX XXXX, XXXX. I don't not owe this debt. I've called several times and someone repeatedly hangs up the phone. I've researched both companies and no additional identifiable information is available.
This is the second time this fraudulent company has tried to accuse me of a debt I do not owe. Similar debt with different amounts from a different creditor. See my previous complaint I filed in XX/XX/XXXX. This needs to stop.
Please stop sending me fraudulent letter claiming I owe debt. LEAVE ME ALONE LIARS.
Hide full complaint
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have never received any bills for this Electric Service. I noticed this on my credit report last year and disputed it asking for proof of this debt being mine. I never received anything and the debt disappeared from my credit report. Last month i started receiving paper mail and very aggressive phone calls from a collection agency called Convergent Outsourcing, Inc about this debt. I have asked them multiple times to provide me with proof of this debt and they just hang up on me after I refuse to provide them with my social security number. I contacted XXXX XXXX XXXX and provided them with the account number finally provided to me by XXXX. XXXX XXXX is telling me someone set up electric service at an address of XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/2020. I have never lived in Texas in my entire life and have lived in North Carolina for over 30 years. XXXX XXXX is telling me I need to file this report with you due to someone having used my social security number to set this account up with them in order for me to have this debt taken off.
|
| 08/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was switching from XXXX cellphone carrier to XXXX. After my final bill arrived it was paid in full. In meantime XXXX XXXX posted collections on my credit report for the amount of the final bill from cellphone carrier. When I called XXXX XXXX to ask why they put collections on my credit report they replied that I owed them money but do not owe anymore. I asked can they validate the debt they referring to and they refused me to provide any information on it claiming that account has been closed. I asked them to remove collections if they are not able to validate debt and provide any relevant information they refused to do so. My credit report dropped 30 points causing damage because of that posted on my report and they can not provide evidence of the debt owed in the first place. I asked them why they are refusing to remove negative information if they are not able to validate the debt, they reply that XXXX hired them to post negative information on the former customer accounts. I was shocked by that reply and had nothing to say further.
|
| 12/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This is the third time that Convergent Outsourcing Inc has placed the same collection on my credit report, both XXXX and XXXX. I have taken it off twice. They called asking for social security number and I would not provide. I contacted XXXX the supposed creditor. They informed me that I had no collection or account with them and that the information being provided from Convergent Inc was false and that I should not pay. Since this is the third time they have placed the collection on my credit report, I am having a difficult time removing it. When I notified them what XXXX said they did not do anything unless I provided my full social security number. I gave them name, address, phone number, but did not give them my social security number. I am in the process of fixing my credit and this false collection has lowered my score XXXX points. I am tired of dealing with the same collection agency over the same collection that does not exist. Please do something. The guy on the phone sounded annoyed I would not provide my Social Security number.
|
| 04/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CONVERGENT OUTSOURCING AGENCY PLACED A COLLECTION ON MY XXXX AND XXXX REPORT REGARDING A XXXX ACCOUNT ON XX/XX/XXXX. THEY PLACED THIS ON THE CREDIT REPORT ON OR AROUND XX/XX/XXXX. MY SCORE ONCE AGAIN HAS BEEN LOWERED. I SPOKE TO THIS COLLECTION AGENCY AND FOUND OUT THAT THEY DID NOT HAVE ANYTHING IN THEIR SYSTEM. THEN AFTER A BIT ON THE PHONE THEY SAID XXXX RECALLED THIS ISSUE ON XX/XX/XXXX. THE COLLECTION AGENCY PROCEEDED TO PLACE THIS ON MY CREDIT ANYWAY. I CONTACTED XXXX IN PENNSYLVANIA REGARDING THIS ISSUE AND THE AGENT STATED THAT THERE WAS NO NEGATIVE ACCOUNTS IN THE SYSTEM ON ME. THIS IS GETTING A LITTLE OUT OF HAND WITH THESE COLLECTION AGENCIES. THIS COMPANY HAD A ACCOUNT ON FILE WITH XXXX THAT I TOOK CARE OF PRIOR TO BEING PLACED ON MY CREDIT. i STILL HAVE N'T RECEIVED MY CLOSED ACCOUNT LETTER. IM ALSO NERVOUS THAT THIS AGENCY WILL TRY SOMETHING IN THE FUTURE WITH MY REPORT REGARDING THIS ACCOUNT. I ALSO FILED A DISPUTE WITH THE CREDIT BUREAUS AS WELL. i WAS IN THE PROCESS OF BUYING A HOUSE AND THIS WAS NOT A GOOD THING FOR ME.
|
| 11/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing s is trying to collect on a debt from " XXXX '' for {$730.00} from me. I have never done any business with XXXX XXXX XXXX or XXXX XXXX XXXX in my life. I've reached out to Convergent XXXX and XXXX and that have refused to stop collection efforts or remove this account from my credit report without me paying the fraudulent debt. I have asked several times for a signed contract or written proof that this debt is mine and they have no provided ANYTHING. All they have been able to provide me was with a bill with my name on it which doesn't prove anything. Either they are running a scam on me or someone has opened an account in my name without my acknowledgement and has left me with the bill. Either way I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX anything because I personally have not done any business with them. I am contacting the CFPB because I haven't gotten anywhere with these guys and hoping you all can help. I am prepared to take legal action against XXXX XXXX and XXXX for violating my rights under the FRCA.
|
| 01/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have an unverified account from Convergent Outsourcing , Inc . I had previously disputed this account. I have never done business with Convergent Outsourcing , Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Convergent Outsourcing Inc . Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Convergent Outsourcing Inc . Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 11/14/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Back in XX/XX/2015, I initiated the XXXX XXXX Internet / TV / Phone connection for my home and I was promised a internet speed of 150-MBPS speed.
XXXX installed the equipment and I never ever received the internet speed of 150 MBPS. ( Checked using internet speed checking utilities available online ). The max speed that I ever received that I measured was 70 or so MBPS.
After numerous customer service phone calls and numerous techniques trips to home to fix the problem, XXXX was never able to provide me the internet speed of 150-MBPS.
I had no other choice other than to cancel the connection.
XXXX comes back to me saying that I still owe them money for internet services that were not provided to me as promised. Attached are last two monthly statements.
XXXX sold this debt to a company called XXXX XXXX XXXX and this debt ( {$110.00} ) is being reflected on my credit history.
I have contact the credit bureaus to remove this debt form my credit history and was un-success doing so. Need help to remove this debt from my credit history.
|
| 03/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This involves an account with XXXX XXXX. The account is now being handled by XXXX XXXX XXXX Account # XXXX. The XXXX account was closed at the local branch and all equipment returned per the service contract. Additionally, all service fees were paid per the service contract. The amount in question is {$620.00}.
Three attempts have been made to provide that information to XXXX XXXX XXXX Paper documents have been mailed on XX/XX/XXXX, XX/XX/XXXX, and emailed per their request on XX/XX/XXXX. No communication has been received in return. XXXX XXXX continues to communicate to the credit bureaus as a delinquent account.
Disputes have been opened with all three credit bureaus and XXXX XXXX, however XXXX XXXX says it is waiting on further information to resolve the account. They have made no attempt to request that information either in writing or through email. I have called multiple times to resolve this matter but each time I am told that they are processing the dispute request and then a few months later they hit our credit reports.
|
| 02/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I was in XXXX and an account was opened in my name while I was away! Someone had opened several different accounts in my name. When I got out, I had everything removed from my credit ( except for a XXXX bill ). I notified XXXX that this was a result of identity theft and eventually it was removed from my credit report, but later sold to an collection company! I disputed it with the credit bureaus and the collection company, and eventually it was removed again! So now the account reappeared again but with XXXX XXXX XXXX. So I filed a FTC report, and sent it to all parties ( XXXX, all 3 credit bureaus, and XXXX XXXX XXXX ). Once again its removed from all credit reports and its blocked from getting added back on, and out of all the companies XXXX XXXX XXXX is the only company that is trying to collect on this debt! I have never lived at the address this bill was established at. I was XXXX with proof. I never gave my permission for any company to run my name, social security number, or date of birth to obtain services. This is harassment
|
| 06/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Received a call from XXXX XXXXXXXX XXXX on XX/XX/2022 about a XXXX telephone bill previously serviced by convergent. Prior to this contact I have not received any written notice nor a right to dispute. I explained that I would like to settle the debt as we had been with convergent contingent to them providing us with a pay for delete letter once the amount has been paid in full. XXXX XXXX XXXX explained that this was not possible for since they did not report the account on my credit report, they can not remove it. The situation this poses is that how can a company, convergent, still report my account as delinquent if they no longer own the debt? If such is the case this now erroneous reporting should be removed to allow me to settle the debt with the existing servicer. I need the bad debt from convergent removed from my credit report as we also did not give them written notice to furnish any data on my report, we also want to settle the debt amicably with the new servicer to prevent any negative data being shown on my credit report.
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| 08/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
This is either a scam or identity theft. The debit {$600.00} is not mine. That is my name but not my phone number or phone or any other item on that fraudulent bill.
This debt that is claimed by Convergent I immediately challenged through XXXX. The response from XXXX was verified. This Convergent debt claim is blatant FRAUD. It is extremely concerning because they are simply creating debt out of thin air. I immediately contacted XXXX and they did not have any records that indicate this debt or any debt. Further, they added that my account was closed in XXXX in good standing. Convergent has dates for XXXX.
Everything in the Convergent document is made up except for my name. This includes the phone number, the phone model and make, the dates, etc it is a complete fraud.
Im not sure where to go with this, I am going to file a police report today. I have sent letters to the Federal Trade Commission, the California Office of the Attorney General, the Federal Bureau of Consumer Affairs, and the California Bureau of Consumer Affairs.
|
| 02/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
|
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Convergent Outsourcing Incorporated has been relentlessly harassing me with debt collection phone calls for the past few months. They have been using deceptive tactics to harass me such as using an VOIP number to spoof the local area code of the harassment victims number. Also when questioned, they will not divulge they are a collection agency on the phone.I would like to sue Convergent Outsourcing Inc. for the maximum {$1500.00} per harassing phone call made to this number. They are attempting to trick me into making a payment on old zombie debt years passed the Statute Of Limitations in order to reset the SOL making old zombie debt legally actionable again. I am aware of my rights and the laws regarding debt past the Statute Of Limitation and I WILL NOT be making any payments now or ever on old zombie debt past the SOL. I am requesting that Convergent Outsourcing Incorporated Cease and desist any and all attempt to contact me again or make any further collection attempts on the account associated with the phone number listed above.
|
| 07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
|
I have disputed with the credit bureaus and Convergent alike the inaccurate entry that Convergent is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to XXXX, XXXX and XXXX. The bureaus responded that this entry was verified. To that end, I submitted my dispute to Convergent. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Convergent did not oblige.
Convergent 's letter, ( see attached ), dated XX/XX/18 does not provide any substantial evidence to support the veracity in their reporting. To that end, since Convergent is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
|
| 04/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I received a letter from Convergent a year ago ( XXXX ) regarding a delinquent cable account in XXXX XXXX with XXXX. First of all, I have never lived in Nevada and secondly, I have never heard of XXXX much less have an account with them. I spoke with a rep at Convergent and they said I would have to take it up with XXXX. I spoke with a rep at XXXX and we found that my info did not match and it was not me and that it would be reported to the collections and credit agencies. Fast forward to a year later XXXX XXXX XXXX, I received another from Convergent regarding the same delinquent account, went through the same process and NOW their info happens to match my info. I believe they updated their account a year ago when we compared information. I looked through some old paper work that I filed away and noticed that Convergent contacted me in XXXX regarding a XXXX XXXX bill that I did not ever have. I'm not sure if it is the debt collectors Convergent or XXXX who are the scammers or both! I have filed a police report for identity theft.
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| 08/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
this about the account with convergent outsourcing. The dispute results that were sent to me were not what i asked them to correct. I requested the account to be deleted from collections because one of their representatives whom I called and spoke with falsely reported their company would remove the debt from my credit report if I agreed to pay the settlement payment which was agreed to. But the debt is the still on my credit report. So, my complaint is I was lied to and promised something that I was trying to do in good faith. I know the phone call was recorded and would and it will have the entire conversation on that day. I would like them to present it to your company so you will hear exactly what was said. it will let you hear the young lady i spoke with promise to delete the account if i paid the settlement. I did exactly that. But the account is still listed. This is false representation and deception to the consumer who has trusted these agencies and is trying to do what is right to resolve issues on their credit report.
|
| 04/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I have called Convergent outsourcing numerous of times asking for assistance to have this account disputed. I spoke to a representative the end of XXXX who advised they were going to call XXXX to dispute. I than recieve a letter on XX/XX/XXXX stating the account is valid and they couldn't remove the debt. I reached out to XXXX Collections on XX/XX/XXXX they advised the account was placed in collections in error. They advised the account was closed out and told me they were going to resolved the situation by reaching out to Convergent. I was told that Convergent outsourcing was going to send me a letter for proff of closure of the account. I called Convergent today XX/XX/XXXX to check the status and someone I spoke with said the balance was still owe. This is fraud and none if their team members are trying to assist. They are trying to make us pay for something that is not valid n I'm upset with run around they are giving. We don't owe any money and they refuse to closed the account which is negatively impacting my credit score.
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by Convergent Outsourcing, ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt.
Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. The account convergent outsourcing account number XXXX needs to be removed immediately I did not give consent or permission to furnish this alleged debt on my consumer report! I have attachment a cease and desists letter made out to the parties involved and everything in that letter should be followed pursuant to federal laws and regulations.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX.
Account name : Convergent Outsourcing # Unknown Account Number Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681, section 602 A of the Fair Credit Reporting Act, states I have the right to privacy.
15 U.S.C 1681, listed in Section 604 A 2 of the Act, also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 10/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2020, I had initiated a dispute of alledged debt collection for the amount of {$1900.00} out of which they were willing to settle for {$950.00}. In that letter, I cited the collection agency 's obvious violations of FCRA and FDCPA which requires to provide me with " validation '' that is competent evidence bearing my signature, showing that I have { or ever had } some contractual obligation to pay such claim.
XX/XX/2020, the Collection Agency sent to me a nine page print out of bill statement, claiming that was their only bases for the verification and validation of the alleged debt.
XX/XX/2020, I responded to their letter and yet calling the company out on another violation : FTC opinion letter from Attorney XXXX. XXXX XXXX, which contends that a printout of a bill or itemized document does not constitute verification. And they again failed to provide me " verified '' proof bearing my signature.
I am filling this complaint with hope that The CFPB will intervene in this matter in reaching a quick resolve.
Thank you.
|
| 11/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In XXXX of 2017 I called what I thought was XXXX XXXX, ( it turned out to be a company reselling XXXX XXXX ) I spoke with them for over an hour and they assured me that if I purchased XXXX XXXX that I would get every XXXX XXXXXXXX XXXX game at my house in Florida. XXXX was installed XXXX XXXX week of 2017 when I attempted to find the XXXX game it was not there. I called XXXX support ant the only way to watch it was on XXXX XXXX. So I spent the next XXXX months trying to cancel the service and finally stopped payment with my credit card. I took to social media and it took XXXX more months to get them to stop trying to collect money every month but they did. Now this company that is still trying to collect the {$340.00} dollars uses a different collection agency every year and this has been on my credit report every year since and I have to go through this process to clear it up. There has to be some law against using a different collection agency every year and having this reappear on my credit report. Does this ever end?
|
| 01/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a follow up to my initial complaint about Convergent Outsourcing. I actually spoke with a representative today regarding the account that is in accurately reporting on my current report. Upon speaking with the representative she gave me information on two separate accounts they have in their office - One is from a XXXX XXXX XXXX address and is from an alleged debt, dating from XXXX and the other is XXXX XXXX XXXX ( XXXX ) The representative stated that they sent a final bill to my home as validation, which in fact is not proof a debt. I explained to her that I was actually a victim of fraud in the past as well and neither of the debts belong to me. On top of it, the statute of limitations for debt collection has run out on the one debt that they are trying to collect ( XXXX ).
I would appreciate it if these debts are removed from my credit report as a copy of a final bill is not validation and not proof that the debt is mine and that they can collect the debt, along with the fact that the debt is over 9 years old.
|
| 02/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Convergent Outsourcing Inc is fraudulently and wrongfully attempting to extort money from me for a make believe debt that I do not owe to a company XXXX XXXX XXXX AKA The XXXX XXXX XXXX in XXXX Alabama that I have never done business with ever. I live in XXXX XXXX. I have never been to XXXX Alabama. This is a joke and an illegal attempt to get me to pay something I do not owe or have ever done business with these companies. This collection agency is falsely claiming that I created an account and owe {$1000.00} that is a false obligation. The reason the credit reporting bureaus have placed me in a credit freeze for XXXX years is because of ID Theft. Also, recently my XXXX XXXX XXXX card number was stolen someone attempted to use it but the charges were rejected. This is another case about collection agencies abusing credit systems and collecting to force consumers hands, like me, to pay regardless of whether or not they are truly at fault. I will never in a XXXX years pay this as I am not responsible and disputing this debt.
|
| 01/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I took a look a my experian report and found some inaccurate items on my credit report. A collection from XXXX XXXX for XXXX was listed on my credit report that I am not responsible for. I am a victim of idenity theft. Below is a copy of the information.
ccount Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$62.00} {$62.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX.
Payment Info Original balance {$62.00} Balance {$62.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
|
| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX compromised my identity by a system breach so I moved from XXXX to XXXX. XXXX promotion paid off our phones and we transferred services. I went to the XXXX XXXX CA locations and spoke to the store manager and made the prorated payment as asked. When I left the location I had a XXXX {$0.00} balance. On my credit XXXX ( Convergent ) has been reporting an inaccurate balance since XX/XX/2016 and I have disputed this several times with all 3 credit bureaus. They have sent an inaccurate bill dated XX/XX/2016 to ''provide proof '' to keep this on my credit when it has been paid off. XXXX and XXXX are now sister companies and they need to correct this situation between the 2 of them and remove the items from my credit as it is not my debt and I should not have a negative impact on my credit because of this. This is unfair and illegal to collect more then once on the same bill.
I have paid companies to clear this up and has cost me hundreds of dollars! I have spent more then the bill because its the principle of the matter!!
|
| 08/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I ran my credit and saw that I had a neg account under Convergent Outsourcing in XXXX, WA. I called to find out what this was and they claimed it was a XXXX account. I did have a XXXX account but closed it because they kept overcharging me from what my plan agreement was and for apps I never ordered. I paid the bill at just under {$600.00}. CO Inc. claims I owe {$1200.00} and it is on my credit report. First I asked them to prove to me the debt, they refused and told me I know what it is and second they would not talk to me unless I paid in full at that moment. I filed a claim with XXXX, and disputed with XXXX, XXXX and XXXX. They still claim I owe it and wo n't budge. This is on my report and I do n't owe the {$1200.00} they claim I do. When I called again this week they told me I had to go in a website and they would walk me through. It was really strange and the account # was not what is listed on my credit report. It just seemed really shady. I want this off my credit report because I am a XXXX and trying to buy a home.
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX, I submitted my initial complaint ( XXXX ) for an account appearing on my credit report that I never opened or received any goods or services on behalf of. At the time I I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by Convergent Outsourcing whom has violated section 1692e 8 ( Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) Convergent Outsourcing has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. The companies reply was, Convergent Outsourcing will update the disputed status of the account to the credit bureaus ; as required. As of today, XX/XX/XXXX, this account is still reporting to the credit bureaus and has failed to mark this debt or account as disputed which is automatic grounds for removal of this account from credit report.
|
| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To whom it may concern, My name is XXXX XXXX XXXX and I'm writing to dispute a fraudulent account on my credit report as a result of identity theft.
A couple of years back I had someone take out 2 credit cards and a phone plan with my social security number.
I disuputed these accounts initially roughly 2 years back. All of the fraudulent accounts were investigated and then deleted.
A couple of months back, it seems that the XXXX phone account has popped back up for whatever reason.
Since this has not been resolved, I have filed a police report with the XXXX Police Department in XXXX, North Carolina this week.
The address of the police department is XXXX XXXX XXXX XXXX, XXXX, NC XXXX.
I'm requesting that this debt be removed immediately from my credit report as it is completely fraudulent.
If this issue is not resolved and pops back up again in the future, I will proceed with further necessary legal action.
Amount : {$790.00} Opened : XX/XX/2020 Original creditor : XXXX Current creditor : Convergent Outsourcing
|
| 03/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
InXX/XX/XXXX I received a letter from XXXX a debt collector about a XXXX account in the amount of {$510.00}. I made arrangement with that company and paid the debt off inXX/XX/XXXX. XXXX XX/XX/XXXX I received a letter from another debt collector XXXX XXXX for the same XXXX account. I informed them that the account has been paid and they asked me to send them proof. I called the company XXXX and asked if they could send me a copy of the letter sent that my balance for XXXX was XXXX and they did. I emailed the letter to XXXX as instructed proving that the account had been paid in full.
A few days later a change had been made on my credit report where I had gained points because XXXX zeroed my balance. I was satisfied until a few days after that my account was deducted some points and when I checked it was the same company ( XXXX XXXX ) had put the debt back on my account.
I have been going back and forth with them about this issue and correcting the problem and it doesn't look like they are trying to resolve the issue.
|
| 12/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XX/XX/2017 - called XXXX to transfer services due to move. After several weeks and conversations it was determined that the area I was moving to was not serviced by XXXX and they want to charge me a cancellation fee ... even though I was not 'cancelling ' the contract - they, XXXX did not service the area.
2 cases were finally created by XXXX : # XXXX - to confirm serviceability - they sent a XXXX van out to my new address, confirmed no service # XXXX - termination fee suspended XX/XX/2017 - Debt collection - from XXXX XXXX, XXXX - contacted them, disputed the case, gave them the information above, they closed the case.
XX/XX/2017 - Debt Collection - Convergent - called them, told them I am being harassed by XXXX - since this debt was resolved 6 months ago ... .. sent them the closed disputed case.
I am filing a complaint because I feel harassed. I have to take time out of my schedule to deal with this nuisance. This is all unfounded by XXXX. They are awful. If harassment does not stop - I will retain a lawyer.
|
| 08/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have a a unverified account from CONVERGENT OUTSOURCING XXXX {$890.00}. I had previously disputed this account. I have never done business with CONVERGENT OUTSOURCING. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CONVERGENT OUTSOURCING Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CONVERGENT OUTSOURCING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 09/10/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Several months ago, I was deluged with phone calls from a company called Convergent as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified Convergent as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from Convergent representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.
|
| 04/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XXXX of XXXX I received a letter from Convergent Collections with my nephew 's name and my address. It was a collection notice for a supposed account from a number of years ago. My nephew has never lived in Iowa. There is only one way Convergent cou ld have gotten my work address and that is from one company that I have power of attorney to represent my nephew in negotiating a settlement. There is nothing else linking my nephew to my work address. When I called Convergent they would not tell me where they had obtained my address and they lied to me telling me that my sister-in-law had told Convergent that the bill was really mine and that she had given them my work address. I am attaching a letter from her disputing their claims. We have attempted to resolve this issue but without any success. We need your assistance in this matter. Prior to this time Convergent or XXXX had not notified my nephew of the bill, he had not received a right to cure notification and it was turned over to a collection agency.
|
| 05/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a bill with XXXX. It was sent to collections and i paid the bill in full to comast. It cleared through my bank. It was reported on my credit report by 2 different collection agencies for 2 different amounts. I disputed them both and one was removed. However, the collection agency, covergent outsourcing Inc, will not correct the issue. I disputed it through all credit reporting agencies providing proof of it being paid and with convergent outsourcing several times. The dispute just keep coming back as the information being accurate. So then I requested verification of the debt. Convergent outsourcing sent me the original bill from years ago saying it was valid as of XX/XX/XXXX. This is incorrect because I paid it to XXXX. Sending a copy of the original last bill from years ago isnt proof of the amount owed as of current. I have tried several steps the get this corrected and they will not update or remove it from my credit report, even though when I paid XXXX they told me it would be removed from my credit report.
|
| 03/08/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
the original amount was {$190.00} which was charged on XX/XX/XXXX i requested a fraud alert on my bank account because i didn't know where that money was being pulled out from then i received a call from the debt collector saying the amount was doubled the original amount plus the money the bank " took from them '' which was mine since it was taken out of my account first, once i knew why the money was being taken i cancelled the fraud but i keep receiving constant calls saying the amount due to pay is {$390.00}. other than that when i cancelled the fraud the balance of {$190.00} was payed in full it shows in my credit score that it has been payed but the debt collector still harassing me through constant phone calls when the debt has been payed in full already. also when i spoke to the agent collecting the debt they told me the collection charge was going to be lifted which haven't done since XXXX because they keep saying the balance due is over {$300.00} should I filled a lawsuit against the XXXX? what should I do?
|
| 03/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Purchased XXXX phones over 12 years ago. The promo was if not happy with the phones or service return them both within 14 days & their would be no fees or charges, which is what I did. And I have been getting a bill ever since. A friend of a friend recently worked for XXXX XXXX & was stealing customers info phones & money for which they were prosecuted, Im sure my personal info was used but I dont know to what extent. Shortly after that thats when I started getting bills from creditor. 22 years later & how did they know my whereabouts. I notified XXXX XXXX & all the credit bureaus to no orvail to let them know this bill was not correct & should have been taken off my credit report years ago. Now I get a bill that the bill the claim was {$150.00} is now {$63.00} ( REALLY ) thus collection agency Convergent Outsourcing needs to find out from XXXX XXXX how long ago was this supposed bill created,? & the circumstances around the bill. I dont owe & Im tired of explaining this I want this off my credit report immediately.
|
| 12/19/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have disputed this debt with XXXX within all three credit bureaus ( XXXX XXXX, XXXX, and XXXX ) since XX/XX/XXXX, for an account that has been charged off sinceXX/XX/XXXX, requesting that this account be deleted from my credit reports, Due to this debt being time-barred. ( in XX/XX/XXXX, residing in XXXX in which the Statue of limitation is 6 years, to now residing in XXXX, in which the statue of limitation is 4 years on written contracts ) I have recently accessed my credit report ( XXXX ) and found that XXXX XXXX, Incorporated has violated the Fair Debt Collection Practice Act by not only re-aging this debt to show that the account was opened in XX/XX/XXXX, but also increased the amount of the debt by over XXXX. The account was charged off by XXXX in XX/XX/XXXX for XXXX. This information is completely false and inaccurate. They also, did not purchase this loan from XXXX in XX/XX/XXXX, this account has been through a minimal of four different debt collections agency prior to XXXX XXXX XXXX purchase of this debt.
|
| 10/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never had an account with this company, I've never heard of them. If this is my debt why have I never received a bill to my address that I've lived at for the last 16 years. I have had the same energy company which is XXXXXXXX XXXX XXXX. I feel this is an identity fraud, I reached out to this company by phone and I finally got an answer first it's not a professional business. Said they have no account under my name, then after I gave my phone number she says oh oh wait I found it. She then transfer me without telling me that line rung 15 times then hung up. If this is my account I would like to know under who name, what address was it used for and something a bill showing I ordered this service. I'm upset with XXXX because I have a membership and I feel they didn't research it enough to leave on my account. It was 2 accounts which were from this same company 1 bill for XXXX and the other XXXX. Please research this company it is definitely a fraud attempt. I have no documents because I never had this service.
|
| 09/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently noticed on my credit that there is a listing of a company name XXXX XXXX which they claim " i owe {$860.00} '' this information is incorrect and its hurting me financially.
I contacted the company by register mail two times back in XXXX and XXXX of 2018 asking the removal of this incorrect listing. I stated that this account was not mine.
They reply by sending me photo copies of a bill from XXXX claiming that " I owe {$860.00}, the XXXX bill had an unknown address and it was not on my name. I called the company on XX/XX/18 and the agent told me that the only way they consider the removal of the listing is by filing a police report as an identity theft case, I don't believe my identity was stolen, I believe it was a clerical error by the original creditor or by the collection company is reporting it. I wont file an identity theft because the credit bureaus may flag my credit or put a temporary lock on my credit which I believe is not necessary. it will damage me more in case I need to applied for credit.
|
| 12/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
XXXX collection services inc keeps putting a collection account from XXXX from XXXX on my credit report. I do not owe this debt. XXXX owned the debt and removed it XXXX XXXX. Stating they do not have record of me ever having a XXXX account.
XXXX never sent debt verification letters and XXXX does not have the right to collect under the claim of Minnesota Fair Debt Collection Practices Act XXXX LICENSING AND REGISTRATION.
Subdivision XXXX. Requirement. Except as otherwise provided in this chapter, no person shall conduct within this state a collection agency or engage within this state in the business of collecting claims for others as defined in sections XXXX to XXXX, without having first applied for and obtained a collection agency license. A person acting under the authority of a collection agency, as a collector, must first register with the commissioner under this section. A registered collector may use XXXX additional assumed name only if the assumed name is registered with and approved by the commissioner.
|
| 07/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received a debt collection mail at my new address notifying me about a XXXX bill of {$3900.00} that I allegedly owed on XX/XX/XXXX. However, this letter, was dated XX/XX/XXXX. The debt collection company, Convergent Outsourcing , Inc., made it known that I had the option to dispute the debt. The debt collection letter states that " If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe debt. '' On XX/XX/XXXX, I took that course of action and sent a debt verification letter via certified mail. According to USPS tracking, Convergent Outsourcing , Inc. should have received my letter on XX/XX/XXXX.
Today is Thursday, XX/XX/XXXX. I have not received any response from Convergent Outsourcing , Inc. regarding debt validation. However, the collection information was sent to credit bureaus, which has damaged my credit score dramatically. Therefore, Convergent Outsourcing , Inc., has violated my rights and the terms of the FDCPA.
|
| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
I received an alert that I have a collection on my SSN with XXXX on XXXX XXXX, XXXX by Convergent Outsourcing. My immediate action was to check the details. The collection was referring to a XXXX account opened in XXXX, XXXX and the amount was {$430.00}. I have NEVER had a XXXX account.
I informed XXXX right away that this is not my collection.
I sent a complaint XXXX ID # XXXX XXXX to Convergent Outsourcing on XXXX XXXX, XXXX.
I provided Convergent Outsourcing with my SSN on XXXX XXXX, XXXX to investigate and remove this false record I sent an e-mail requesting confirmation that they've received everything needed to work on my case on XX/XX/XXXX Since I have received nothing from Convergent till today, I sent a second complaint ( ID # XXXX ) to them on XXXX XXXX, XXXX with all pertaining facts.
My problem is that they dropped a collection out of nowhere on my SSN, and the strangest fact is that they are collecting for the provider XXXX where the account was dated XXXX XXXX. I have never used this provider!
|
| 06/19/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have already disputed this debt direct with XXXX XXXX XXXX, for over 18 months on multiple occasions with several different debt collectors they have even collected {$1500.00} in good faith payments without validating the debt through one of 6 collection agency they have transferred the information to and each time I request validation I receive the same 3 forms with incomplete information from what was requested and when I respond that the information is insufficient to validate the debt, it gets transferred to another agency.
Attached are only a few of the letters that I have submitted to different collection agencies employed by XXXX and at time it had been multiple agencies attempting to collect the exact same debt at the same time. I feel harassed and so does my alleged cosigner as he receives the same calls and letters, this needs to be removed from collections as they can not and have not proven that this is a valid debt that they own despite multiple attempts to validate and offers to settle this debt.
|
| 04/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received the attached letter from Convergent Outsourcing Inc . I was shocked to learn that I owe {$210.00} to XXXX for an account I closed with no dues over XXXX years ago. I called XXXX to inquire about the claim of Convergent Outsourcing who were acting on their behalf. XXXX had billed me for a cellphone I never received and other charges. I had never heard from XXXX since I closed that account. I received no bill, I received no claim for charges on a phone. They have now pawned off a fake invoice to a third party collection agency who are impossible to get a hold off. Their is no real person available on their contact number and they have not responded to my email dated XXXX/XXXX/2015 stating my concerns. I feel very helpless and cheated and after a lot of research online I contacted cfpb. I am a XXXX and my credit score has been tarnished by XXXX 's fake claims. I can not apply for any sort of student loans or request grants owing to this. Please help me. I would be so very grateful.
Thank you so XXXX XXXX
|
| 11/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Convergent Outsourcing Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX, XXXX on behalf of XXXX XXXX. The letter claims I owe {$180.00}.
In XX/XX/XXXX, I was the victim of identity fraud. I reported the fraud to the consumer reporting agencies and all the companies listed in my credit report with fraudulent accounts, including XXXX. I sent all the supporting information to XXXX, but they never responded. All the other companies determined that I was not responsible for the accounts and notified the consumer reporting agencies to remove the false accounts from my credit profile.
I later started to receive calls about the debt from collectors on behalf of XXXX. I informed the collectors ( and XXXX again ) about the credit fraud. I thought the matter was resolved.
And now I have received a letter from another collection agency on behalf of XXXX. I want them to update their records and stop trying to collect on this fraudulent account.
|
| 04/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a notice from Convergent stating that I owe XXXX XXXX of XXXX {$160.00}. I was shocked because I currently am a XXXX customer and my account is current. I have been a XXXX customer since XX/XX/2001 Everytime I moved I just transfered my service. My account is up todate and if it was n't they would not provide me any services. I need their services because I take classes online, and have been doing so for 3 yrs. now. XXXX has confirmed that this is an error because I do n't owe them anything and if I did, they knew where to reach me to bill me. I never received any invoices or bills from XXXX stating I have an outstanding balance. My main concern is that this is in my credit report for even more money than what is shown on this notice. The credit report states I owe {$220.00}. Another concern is that my name is mispelled, which is why I truly believe it is a huge error that someone is trying to make may pay for someone else 's debt. Please advise how I can resolve this issue.
Thank XXXX XXXX XXXX XXXX
|
| 07/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Convergent Outstanding Inc saying that I owe {$650.00} to XXXX. I never opened an account on my own with XXXX. I was under my dad 's plan, under his name and always paid in full. I do not owe any debts to XXXX as I never had an account.
The first time I received a letter was two months ago for about {$220.00} and I paid for it without thinking because there was a time in college I let my friend used my address for phone bill since he lives in a different state, and plus I don't want a debt to ruin my credit so I paid for it without even checking in with my friend first. However, after confirming with him, and he called XXXX to confirm this and they said they have no record of a debt I wish I did some research before paying for the first time. I've learned a hard lesson. Also, everything I received in mails ALWAYS included my middle name or middle initial. ( see attached and you don't see my middle name/initial ). This company is a fraud and horrible and these people need to be stopped.
|
| 03/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I recived a notice in the mail from an entity called Convergent Outsourcing , Inc . This notice recd from Convergent Outsourcing is dated XX/XX/XXXX, and indicates that it was mailed on behalf of XXXX, in which they refer to as their client. It also annotates what they claim to be a 'balance due ' of {$120.00}. This is in reference ( Im guessing ) to the only XXXX account Ive had before, and closed/cancelled in XX/XX/XXXX. This notice also states : 'our client has advised us that they are willing to satisfy your account in full for 50 % of your total balance '. In addition, at the time the XXXX account was closed/cancelled in XX/XX/XXXX, there was a balance of {$47.00} - which was paid in-full, and in conjunction with the account cancellation. The modem equipment was prompty returned via XXXX XXXX XXXX per instructions provided by XXXX. There were no other invoices or correspondence of any kind received directly from XXXX after the account cancellation, balance payment, and return of equipment.
|
| 07/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I received a letter from Convergent Outsourcing stating that I owed XXXX for a debt back from XXXX in the amount of {$370.00}, but Convergent was willing to settle the debt for 65 % of the balance ( {$240.00} ).
On XX/XX/XXXX, I sent a debt validation letter to Convergent because I had no knowledge of owing this debt whatsover.
On XX/XX/XXXX, I received a letter from Convergent stating that they had satisfactorily verified this debt, and attached purported bills from XXXX with someone else 's name someone similar to mine.
On XX/XX/XXXX, I sent a follow-up dispute letter to Convergent, informing them that again I had no knowledge of this debt, and to look at the debt validation " proof '' they sent me, it did not even have my name on it - it was someone else 's name.
This debt should not be collectible, as I have provided ample evidence it is not my debt, and the validation " proof '' they presented bolsters my argument since my name is not even on the invoices they submitted as validation.
|
| 12/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
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.
|
| 06/19/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
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.
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
n accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account # XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 02/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am a natural person. I have rights under 15 USC 1681 Convergent Outsourcing is govern by 15 USC 1681 and they violated my rights. I demand the accounts below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Convergence Outsourcing written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance. With the Fair Credit Reporting Act, all items must be 100 % accurate when reporting and accounts reported are not 100 % therefore I demand for All accounts get deleted immediately Convergence Outsourcing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$2700.00} Biggest violation is convergence outsourcing committed was I dont live or work or done any business XXXX XXXX and according to FDCPA this is a major Violation I dont have any contracts with Convergence Outsourcing and I never signed or authorized anything with Convergence Outsourcing I demand Convergence Outsourcing to delete this from all credit files XXXX XXXX XXXX
|
| 03/23/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was told by at least three of XXXX 's customer service representatives that if I pay the balance of the debt that it would be deleted from my credit reports. After making the payment now I'm being told that it's not their policy to delete. I have provided them with a screenshot of my payment and a recorded call of the representative stating that it would be deleted and no resolution. Now another representative has called to tell me that they no longer own the debt and that Convergent Outsourcing owns the debt. Upon making the payment, the representative from Convergent told me that it was up to XXXX to delete the item. I am being given the run around and I still don't even know who owns the debt. I sent a letter to Convergent last year requesting debt validation and request proof of validity and in the letter I asked about who owns the debt and their response was a simple bill but did not state who owns the debt or if they bought it. Each company has given me the run around and nothing is getting resolved.
|
| 09/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am tired of XXXX trying to collect on a debt I Do Not owe. XXXX had sent an account to a debt buyer under the name XXXX XXXX, I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. Around XX/XX/2018 I was notified that XXXX XXXX had reported on my reports and the original creditor was XXXX. I received a collection letter from Convergent claiming I owed the debt so I requested a Debt Validation and they Did Not validate the debt as mine nor did they supply me with the original contract with my name on it. They merely sent to me a bill print out. XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector after its removed from my credit reports. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX and have included it in this complaint.
|
| 02/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Dear XXXX, Acc # XXXX We are writing this letter to report XXXX. On XX/XX/XXXX, XXXX cancelled his account with XXXX to start with a different carrier. The XXXX plan was a family plan that included XXXX family member XXXX XXXX contacted XXXX to take over the plan from XXXX, this was to retain her phone numbers and any cell devices. XX/XX/XXXX, XXXX and XXXX contacted XXXX to ensure all changes were final and nothing else was required. XXXX confirmed all changes were made and all amounts have been paid.
Late XXXX, XXXX received a debt collection notice from Convergent claiming an unpaid debt of {$570.00}. We have contacted XXXX and they have confirmed the debt is for an I-Phone XXXX that was purchased by XXXX. XXXX have stated despite confirming changes they made a " mistake '' and did not change payments over to XXXX XXXX account.
This debt is damaging to my credit score ( XXXX XXXX ) and XXXX have declined to remove from collections and correct their mistake.
Any help with this matter would be great.
|
| 06/02/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have submitted at least 2 disputes against Convergent Outsourcing regarding a disputed XXXX bill from over 12 years ago. XXXX hasnt done anything to make them prove the dates are accurate. Convergent keeps changing the date of the claim to a new date every 2 years. But I have called them and told them this was a fraudulent process and I asked them to send me a copy of the contract for the " new '' service they say I signed in 2017, they can not produce that signed contract. This is fraud and has negatively affected my credit for over a decade. I want them held accountable. The reason I cancelled service in the first place is because they couldnt provide service to my house even after installing boosters.
Here 's the info on the claim : Debtor : Convergent Outsourcing ( XXXX Phone Bill ) Date Open XX/XX/2017 Absolutely False Account # : XXXX Amount Owed : {$1300.00} ( Same amount from the original debt over 12 years ago ) Please help me stop the fraudulent activity which Im sure they use on many people.
|
| 02/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Problem with customer service
|
|
Web |
Servicemember |
|
My name is XXXX, I was a victim of an error with a XXXX bill that was duplicated on my credit report, the single bill collection was bought by 2 separate companies, XXXX and Convergant the second without my knowledge. After consulting with a bank and understanding I had a phone bill in collections to pay off. I began to do so reaching a settlement and paying it in full. My credit was clean and so I thought. I saw nothing on XXXX and my other scores went up aswell. After being denied though for a card at my bank I thought well why. I did more digging to find that XXXX bill on my XXXX by another company. My bank told me to dispute it immediately which I did and my dispute came back stating accurate information and was taken off my report on XXXX and is still in process of being taken off of my XXXX. I am demanding XXXX XXXX dollars per error to compensate for the challenges this mistake has brought to my financial life and the fees Ive wrongly paid in high rates due to this error while funding my business.
|
| 06/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was checking on my credit score and accuracies on XXXX XXXX XX/XX/XXXX when I saw a derogatory remark from Convergent Outsourcing, inc saying I have a debt with XXXX for the amount {$2200.00} listed XX/XX/XXXX, XX/XX/XXXXand they said I disputed this, this is a false claim I have not talked with Convergent or heard from them or XXXX, the amount is false as the account was closed.
It is listed that last payment on XXXX was XX/XX/XXXX, this is a false statement. I canceled my XXXX account on or aroundXX/XX/XXXX and returned all equipment. I have not had an account with XXXX since then.
How can anyone get a residential bill for {$2200.00} from a utility company without getting turned off for being past due for one maybe two months?
This is nothing more than a corporate Shake down and extortion from XXXX and Convergent Outsourcing.
I do not have records for this account with XXXX as it has been closed for almost 7 years. I have not lived at the address the account was associated with for five years.
|
| 11/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Thank you for your recent contact dated : XX/XX/XXXX.
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
|
| 09/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
They are attempting to collect a debt for amounts not owed. They advise me that the bill is incorrect and acknowledged it themselves. they advised me that a final bill hasn't even been produced by XXXX but are trying to collect amounts that are not owed. and when a credit is due. so they are collecting a amounts not owed and they state that they can not follow dispute with XXXX 's even though they now have the account and the account was only the deactivated on XX/XX/XXXX but it's already in collections.so I want them to cease and desist all collection actions. I want the collection sent back to XXXX these amounts are not owed. I will pay for the days of service are utilized but they refused to take payment for that as well so this that is no longer owed and they need to not add this to my collections otherwise I will file Suit for a {$1000.00} for every violation as well I'll Sue for violation of the debt collection act they refuse to take payment and they admitted themselves these amounts are not own.
|
| 09/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Approximately late XXXX, I had a door to door sales rep offer me an alternative energy provider. They had promised me a reduction in my electric bill and I had agreed to sign up. However, after the first month, it turned out that they were charging significantly higher rates than my previous supplier.
This, understandably upset me and I called the company to get an explanation. I was put on hold until my call was disconnected. I called back several times over the course of 60 days. to cancel my service and was put on hold until the call terminated. I was not given a chance to cancel my service and was forced to resume services with my previous supplier.
Currently they have hired a debt collection agency to come after me for a bill that I do not believe to be my responsibility. This company has provided substandard service and unfair business practices. They should not be allowed to mask their bullying tactics behind the age of the debt or through a XXXX party that has nothing to do with their actions.
|
| 10/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
|
| 08/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I am filing this just to be on record. I recently switched from XXXX to XXXX XXXX XXXX. The reason was that XXXX coverage in my home office became very weak resulting in dropped calls and missed calls. After XXXX tech support failed to improve my signal, I indicated to them that I will switch to XXXX XXXX XXXX as coverage in my home office is critical for my business. After I thought this was agreed on, XXXX kept sending me termination fee bills. I called several times and again thought this was resolved, but then they turned it over to Convergent, a debt collection company.
I contacted Convergent but they insisted on collecting and would n't provide escalation paths. So, I sent them a certified letter and indicated to them that I will file this with CFPB for record keeping purposes, and that is why I am doing so.
The main concern is their lack of communication and simply insisting on collecting the termination fee without listening to my side. I am attaching a copy of the certified letter I sent.
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| 10/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I'm registering my complaint against Convergent Outsourcing. This collection agency has reported with XXXX XXXX XXXX that I have a debt with XXXX XXXX in the amt of {$800.00}. This debt had appeared on my credit report about 2-1/2 years ago, and I disputed this debt on the grounds that I did not authorize service at my residence back in 2015. The XXXX XXXX debt was " Deleted '' by the collection agency that had purchased the debt from XXXX at that time. Now a NEW collection agency, has placed the " Deleted '' debt from XXXX on my report once again 2-1/2 years later. I am requesting that Convergent Outsourcing remove the XXXX XXXX debt from my credit report immediately. Convergent Outsourcing is also misrepresenting the debt, as if they purchased the debt from XXXX XXXX. It is very clear that this debt was already sold to another collection agency about 3 years ago. Furthermore, Convergent Outsourcing " NEVER '' sent me a notice of this debt " prior '' to reporting as a collection on my credit report.
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| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I reached out to Convergent Outsourcing representing XXXX because I found them listed as a collections accounts on my credit report. After speaking with a representative, we agreed to a settlement for a percentage of the total amount they stated was owed, to which they shared that the debt would be deleted. I paid the balance that same day, XX/XX/2020. I followed up with them a few days later to confirm when and how I would be receiving the letter confirming the deletion. I was then told that they do not delete accounts from the credit reports. They mislead me to in order for them to receive a payment from me. I spoke with multiple supervisors who explained they couldn't do anything for me, " Maybe I should have paid the whole balance ... ''. They were extremely rude and condescending. I contacted the original creditor as well ( per Convergent 's recommendations ) and they stated it was not in their power. I was LIED to, this company did not honor their word and deceived me in order to get my money.
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| 05/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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There are XXXX collections after me for a debt that I do not owe. Convergent Outsourcing is one of them and they are try to get me to pay {$2200.00} for a debt that allegedly came from XXXX The account number they are using on my report is " XXXX ''. I never once received a notice to dispute this debt before they put this on my credit report. I had my credit pulled recently and that is when I found out this was on my credit. The second collection company 's name is XXXX Consultant. They are also trying to get me to pay the same amount of {$2200.00} but they are using another account number. The account number XXXX is using is " XXXX ''. Is n't it illegal for two different companies to harass someone for the same debt. I do not know what they are talking about and I have never been provided with any supporting documentation that proves I ever had an account with them. If no validation can be provided, why are they colluding to report this account twice on my credit report???
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| 05/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I recently pulled my credit report as of result of this I noticed I had this collection account with XXXX XXXX XXXX I initiated a dispute with a XXXX dispute letter because the account does not belong to me and I was n't aware of this account I requested them to present me with a copy of bonding contract signed by me to which they replied to me by mail with six pages of paper page one stating the debt was valid, second page is a welcome too XXXX XXXX XXXX XXXX letter, third instructions to register the account online, fourth page Electricity Facts Label form, fifth page Disclosure Chart, sixth page thirteen state language form. None of forms provided as evidence are valid, I have also looked the company up in the Texas Secretary of State website and this company does not have the proper bonds and license to collect debt in the State of Texas. I am officially complaining about them and request this collection debt from their company to be removed from my credit immediately. Thank you, XXXX XXXX XXXX
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| 01/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Suddenly, I noticed on XXXX XXXX that I had a negative debt collection against me. I immediately thought it was identity theft. When I disputed the debt on XXXX, they took it off immediately. XXXX claims this debt was verified, however it was from XXXX and the collection company was stating it was from XXXX of this year. The original debt is purported to come from XXXX for internet. I never received any notice of this debt and I never got notice from the collection company to pay this debt within thirty days as is required by law, before it appeared on my credit report. XXXX refuses to help me or provide any documentation proving that I was given notice. I consistently paid my bills on time, therefore, I do n't think this debt is valid. The collection agency is supposedly the second collection agency. I never got notice from the first and nor did I get notice from this company. Again, this is the first time I have been made aware there was an outstanding balance of {$29.00} on an account from XXXX.
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| 08/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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We have been receiving multiple phone calls from a woman calling on behalf of Convergent Resources virtually every day for months. She is using different phone numbers, and the calls come from near the XXXX Ohio XXXX. We do not owe anyone anything on this earth and when we try to obtain information from her, she demands to know if I am some other person. She then needs information to access our files, which do not exist because we owe no one. When I contacted Convergent in Arizona the same thing happened followed by a hang up. The number in XXXX of the caller is XXXX, XXXX. We have no idea where they obtained any information on us, but we suspect our age is a factor, as we are both retired. After doing research on this company we feel there is a bigger scam going on than debt collection, why else contact people with no debt?. There are also times when they call and no one speaks, finally a women comes on, gives no ID or company name, and starts asking for people.When you question her she hangs up.
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| 02/22/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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On XX/XX/XXXX, I contacted Convergent Outsourcing regarding a debt with XXXX. Speaking with the Agent Ms. XXXX XXXX, we negotiated a date of XX/XX/XXXX for the first payment of a 6 month payment arrangement. The payments were to be XXXX each month. The entire conversation was recorded. Following this conversation, this morning i saw that a unauthorized payment for the XXXX was taken out. Upon calling and finally getting the agent on the phone ( I was hung up on 3 times ), I was told by Ms. XXXX that there was a system error and I would have to submit proof of the unauthorized payment and would take 3-7 days to process ( my rent was due so this wasnt an option ). I asked to speak to a supervisor, whom was quite rude and said " just giving a refund without the faxed statement is not how we do business ). I immediately directed her to cancel any future payments, and she said she could not provide proof that this was done and the only proof would be a bill in the future that shows the full amount due.
|
| 08/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$240.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alledged client. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company sent me a letter dated for XX/XX/2018, this document was the same identical documentation they sent on XXXX and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.
|
| 02/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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I receive notification from my identity theft protection account that a new account was open under my name. I researched what the account was there was no account number so I contact the company, XXXX XXXX XXXX, by written form via the United States Postal Service seeking information. Not only did the Collection agency disregard my second letter but blatantly refused to stop all efforts and remove this an accurate information from my credit report. I have now stated to them twice via writing that the information that they have is false or in accurate. I did not know, I did not give permission for somebody to use my own personal information to open an account. I was not aware of this account existed. I follow the process set up by the United States government yet this entity feels they are above the law.
I hereby come to you today to hold this company accountable and audit their record management keeping and their processes and hold him legally responsible if they have violated additional laws.
|
| 07/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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XX/XX/17 : Noticed a collection was reported to my XXXX credit report by a collection agency called : Convergent Outsourcing. I never received any letters or correspondences from Convergent Outsourcing. XX/XX/17 : called the Convergent Outsourcing collection agency to inquire about the collection account they reported to my credit report. I provided them both the account number & my social security number & told them I had never received any correspondences from them & had no idea about the collection. Their response was they do n't have my information on me available. I specified that I am in process of a financing transaction and as the result of this negative reporting I ca n't proceed with obtaining financing. I requested them to remove the collection account since they do n't have any information on me. They said they cant do that at this time. They provided me with supervisor 's email & asked me to email a supervisor which I did and made the request, but the supervisor never responded back.
|
| 04/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter to Convergent Outsourcing collection agency disputing and requesting validation for an account on XX/XX/2021 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that they received the dispute letter on XX/XX/2021. I was never contacted, nor was my validation request ever honored. Therefore, I sent a follow-up letter on XX/XX/2021, which was received by the collection agency XX/XX/2021, to request removal of this information due to the company failing to respond.
It is now XX/XX/2021 and I still have not received a validation or response. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is my understanding that companies have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. With that being said, am requesting permanent deletion of the disputed and unverified accounts.
|
| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
|
XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place.
They are reporting negative information on these reports.
15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.
|
| 02/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have been trying to contact Convergent outsourcing collection agency for two month total to settle a debt. I have sent them 3 letters, two of a settlement for the debt and another For a verification of the debt. I have also submitted an online contact form ( the only way to email them ) and never gotten a response until yesterday ( XX/XX/2020 ) via phone. I tried contacting them to return the missed phone call and the phone Just rung for the operator. On XX/XX/2020 I finally was able to speak with a representative to pay the debt although I received no verification of my ownership after a written request. I paid to settle the debt on XX/XX/2020 and was told that I could not have a receipt emailed to me. I got no receipt for my payment. I am very displeased with the lack of response from this collection agency and because of that it took two unnecessary months to settle this un verified debt. I have certified mail receipts and copies of all letters that I will gather for further investigation
|
| 06/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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On XX/XX/XXXX I received a debt collection notice from Convergent Outsourcing , Inc on behalf of XXXX XXXX XXXX for {$150.00}. I've spent multiple hours attempting to reach someone at XXXX or Convergent Outsourcing, Inc who can help resolve this incorrect debt collection request and am very disappointed in the inability to reach a customer service agent that understands the issue and is able to help resolve this issue. The debt collection notice is related to the following charge : In XX/XX/2021 I traded in my XXXX XXXX for a XXXX XXXX. I mailed my XXXX in to receive a trade in credit and on XX/XX/2021 I was informed I would be charged {$150.00} due to a cracked screen on my trade in device. I reached out to a customer care agent in order to request this be reviewed as my screen was not cracked when I mailed in the phone and on XX/XX/2021 I received the two attached emails stating the trade in charge for a cracked screen was refunded and ... there won't be any charges made by XXXX further ''.
|
| 05/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted XXXX the " originating '' company and they said they can't find any debt that matches the one on my credit report. they said they can't stop if it they can't find it they said their account numbers are 10 digits and this one is 8 on my credit report from some scam collection agency.
I have had XXXX phone service and XXXX since XXXX I never had XXXX.
XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, WA XXXX I filed a dispute with XXXX they change the amount from XXXX to XXXX said it was a new amount so valid.
This is 100 percent FRAUD not my account. Please help Account name CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$2000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XX/XX/XXXX
|
| 06/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Regarding {$370.00} Balance with XXXX XXXX History : My divorce was finalized XX/XX/XXXX. I was not living at the marital home for a year prior to that date. My ex-husband according to the decree was responsible for the house and expenses. When he moved out 2 years later in XX/XX/XXXX, he decided to not to continue paying the XXXX XXXX bill.
Dispute : XX/XX/XXXX XXXX XXXX reported the debt using a collection agency appearing as XXXX. I disputed this and submitted my divorce decree. The debt was removed from my XXXX and XXXX reports.
Then this year, XXXX XXXX has reported on my XXXX credit report using a collection agency appearing as Convergent for the same amount ( {$370.00} ) DATED XX/XX/XXXX - Thus negatively RE-AGING the debt ( against the law for those who don't know. ) XXXX was no help in solving this, as they only confirmed with Convergent as to what they already filed. Convergent is standing by their claim that the age of the debt is correct and that my divorce does not matter.
|
| 02/24/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have reached out to the company and explained to them that I had moved out of residency well over a month until the bill was canceled I also had issues as far as mentally and as well as emotionally with the death of my grandfather and such as well they have record that on the date I moved out I had called to set up a payment plan but evidently not to cancel my bill I have expressed that I have written letter from the landlord stating I had moved out on the XX/XX/XXXX if I have written documentations from the apartment management stating I moved out on the XX/XX/XXXXXX/XX/XXXX2017 they should at least have the decency to retro act the bill for the times I was not living there essentially they are billing me for services that were never used do to the fact I was not living there at least if the company in my opinion and any class and any respect for the customers they would rectified the amount due but they don't want to do it because I supposedly did not cancel for another 1 to 2 months ...
|
| 09/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Contacted via phone to collect debt, never received a debt collection letter from XXXX XXXX. Stated to Convergent that I never had a XXXX account, and suspect this was a XXXX account opened by someone else. XXXX debt is for {$160.00} from XXXX, do not know exact date because I was never provided a Debt Collection letter. This debt is over 14 years old and obviously exceeds the statute of limitations for debt collections. After stating to Convergent that this was not my debt, I received a letter stating they contacted XXXX and XXXX indicated that the Identity Theft claim on the account is not valid. I called Convergent on XX/XX/XXXX and explained that I did not incur this debt and that it is outside the statute of limitations and to cancel this debt, they stated they could not cancel and debt would remain open. I then called XXXX on XX/XX/XXXX and verified with XXXX that I DO NOT owe them any money. As stated to Convergent, I have never had a XXXX account and XXXX confirmed this information.
|
| 07/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report to find convergent outsourcing having a collections account on 2 of my bureau reports ( XXXX and XXXX ) for XXXX. I sent a certified letter ( attached below ) on XX/XX/XXXX asking them to provide me with information such as a signed contract bearing my signature that showed I owed this debt of {$120.00} which appears on my credit report. The letter was signed for on XX/XX/XXXX and eventually was marked as disputed on the credit reports within the 31 days. However ; I have not heard one thing from the company or received anything showing proof that this debt is mine. I sent another certified letter on XX/XX/XXXX ( attached below ) as a good will faith to clear up this matter and still til this day on XX/XX/XXXX have not heard one thing from this company or received anything that shows I owe this debt being reported on two of my credit bureau reports ( XXXX and XXXX ) This is incomplete and inaccurate information being reported by them and is damaging to my credit.
|
| 11/15/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2018 I contacted by certified mail XXXX and their hired collection agency XXXX XXXX and asked them to produce validation of said debt. They did not respond even though the certification was delivered on XX/XX/2018 and signed by a party from their company. They are stating that the debt owed is {$1500.00} in which i asked them to give a break down of equipment versus usage charges in which they refuse to disclose. All equipment was returned to their XXXX Site and they hand delivered and emailed that the equipment was received. I than asked for validation information pertaining to said charges that are " still due '' but they refuse to disclose and/or produce documentation. They have resold the account to Convergent Outsourcing who has also refused to disclose requested information about any updated information and their validation of this said debt of {$1500.00}. I have called XXXX on several occasions but to no avail they leave me on hold for hours without addressing any issues.
|
| 05/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a phone call approximately 10 days ago from the Convergent Healthcare Recoveries company, attempting to collect a debt on medical bills. To my knowledge we had no current or past due charges requiring payment. When I asked for more information the caller stated the date of service was from XXXX , more than 4 years ago. Today ( XXXX / XXXX / XXXX ) I received a letter asking for payment in the amount of {$130.00}, The dates of service were XXXX / XXXX / XXXX and XXXX / XXXX / XXXX . Both show payments ( not from insurance company ) in amounts that would coincide with mu co-payment. I have paid my medical bills in good faith. I was not aware of an outstanding amount. I can not access my bank records or my explanation of benefits back to XXXX to validate the services or research the payments. I have written them stating they are not to call me on this debt and that I consider it invalid. I have also informed them that I have filed a complaint with the CFPB.
|
| 05/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My daughter received a debt collection letter from Convergent Outsourcing IncXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Wash., XXXX - phone XXXX This company said my daughter owed {$49.00} and the account was placed with them for collection. But Convergent refuses to tell us the alleged merchant or company who is owed the {$49.00}. We have no bank, credit card or XXXX records of any transactions for {$49.00}, so this is a scam.
They did eventually give us a phone number of the company and it was XXXX 's phone number. This makes no sense because you have to have a credit card or bank account connected to a XXXX account, so a XXXX account can't be past due. Convergent Outsourcing is a scam.
I've contacted Convergent but they are unwilling to expunge this. Please look into Convergent. As I said, this is a scam. XXXX has no record of accounts past due so they are trying to collect on a bogus claim. So there's nothing past due. Convergent Outsourcing made this up to try to rip us off.
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In XX/XX/2021, I reached a settlement with Convergent Outsourcing ( Account Number XXXX ) where I " legally paid in full for less than the full balance '' an old account ( Original Debtor was XXXX XXXX XXXX XXXX Since that time, Convergent Outsourcing has failed to change the status of the account and it is still reflecting as an account in collections on my reports with the credit bureaus. The amount I paid when settled was {$1600.00} and it was drafted from my checking account on XX/XX/2021.
I have contacted Convergent Outsourcing multiple times requesting deletion of the reporting and a deletion letter, but all they have done is mail me a receipt of payment and tell me to contact the credit bureaus. I am applying for a home loan and this false reporting which they are not doing anything about is negatively impacting my ability to get a reasonable mortgage rate.
Debt Collector Info : Convergent Outsourcing XXXX XXXX XXXX XXXX.
XXXX, WA XXXX XXXX or XXXX XXXX XXXX : XXXX XXXX
|
| 08/25/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
To dismiss the unjust Bill of {$84.00} for XXXX who gouged and harassed me with calls and slowing down data on my phone when bills have been timely paid. The worst was during hurricane Ida no power no water and NO PHONE because XXXX made another error on my Bill. This one had something to do with the password. I have several XXXX and challenges. It has been challenging to speak with someone competent or with patience to correct the many errors of this line. Several times a representative was incredibly difficult to understand, but they were kind regarding my challenges. However, their response was incomprehensible.
I have Drs. Therapist and advocates who were quite aware and kept advising me to resolve this.
Finally, my Dr. took the time out to switch my phone from XXXX to Consumer Cellular which cost less than half of what XXXX.
I do not owe this amount or any other amount.
I apologize for the lengthiness, its been awful.
It would be more than fair for them to drop this debt.
|
| 04/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
Convergent Outsourcing XXXX continues ( for nearly five months ) to use an automated dialer to call my office telephone number. What 's more, when I have called their number to ask them to cease the phone calls, they have told me that they are not even trying to reach me. I can not imagine what harassment I would endure if they actually thought that I owed them money.
I have called them on numerous occasions, requesting that they stop calling me with their response being that my number is on their blocked list. I have registered my phone number on their " Do Not Call List '' on two occasions with no results whatsoever. Convergent 's website states that calls should cease within 48 hours, but almost two weeks after my first request, I still receive several calls a week from them.
It is utterly ridiculous that a company can interrupt my work day approximately 50 times, with phone calls and messages not meant for me, and smugly claim that there is nothing more they can do about it.
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have reviewed my credit file much because I aged out of foster care and didn't know how. I discovered XXXX on my credit report back in XXXX of 2021. I disputed with XXXX, XXXX, and XXXX. I disputed it with XXXX. I have disputed it several times with all respective parties. I don't know what they are using to verify this debt other than my information that was fraudulently used. I am not sure who used my information and I wouldn't even know how to find that out. I filed a police report back in XXXX of 2021 and have submit it to the before mentioned entities. I also filled out the forms from XXXX and mailed them back. The issue is still not resolved. I have done everything that Consumer Finance and the Fair Credit Reporting Act has recommended me to do. My actions have brought me to move forward with filing a complaint with Consumer Finance, the Fair Credit Reporting Act and my attorney generals office. I want this matter resolved as soon as possible. I do not owe XXXX any money.
|
| 12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XX/XX/2023, I sent two certified mails to Convergent Outsourcing INC requesting a debt validation in regards of Debt {$200.00} reported to XXXX, XXXX, and XXXX. Prior to this I have never spoken to a XXXX from this company.
As of XXXX XXXX, I have yet received my debt validation letter from this company. I have disputes this account several times. XXXX removed and XXXX has remove this account off my account but XXXX stated the company provided proof I owe them debt.
Which I find hard to believe because I have not received a debt validation letter.
This company is reporting this debt as a loan on my credit report and I never agreed to loan.
When I called the company from my cell phone, it automatic transfer me to department without me stating my reason for calling. I was calling to verified their address prior to sending the certified mail and the lady kept trying to get me to update my account information. Which is weird because I don't have account with this company.
|
| 02/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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|
a claim of {$380.00} has been made by three ( 3 ) different credit collection agencies. Each claim the debt is for a failure to return equipment to XXXX. XXXX indicates my prior account is t a XXXX balance, Paid in full, with no money due on my account, closed over three years ago. These credit collecting agencies continue to sell the debt, knowing that there is nothing to collect. The agency name 's are as follow : XXXX XXXX XXXX, XXXX XXXX, XXXX , Convergent Outsourcing , Inc .
The last company, Convergent Outsourcing , Inc. called numerous times, even after being told not to, and has written twice. I have sent letters of Denial concerning the Debt. I have been mistreated and spoken to in a rude manner by several staff member of Convergent. Convergent has been notified verbally and in writing that the debt they are claiming is in error. Convergent employee refuse to listen. As a former XXXX XXXX I have a suspicion that Convergent may be trying to perpetuate criminal fraud.
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| 09/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/XXXX I sent a letter to Convergent asking them to validate a debt that they insist that I owe. In return this company sent me a bill XXXX that they are claiming is a validation that this is my account. However, the bill sent does not provide me as to the date in which this account was opened. All it shows is someone named XXXX XXXX opened the account. I have no knowledge of this account especially after seeing the information that they sent. Anyone could have opened this account. There is no contract, nothing with my signature on it nor my social security number and most importantly this document provides no information as to when this account was even opened. Also, I asked Convergent to validate this debt but on their letterhead they attached a response and I quote, " the debt is valid and attached is Verification of the debt ''. By their own admission they indicated also that what they sent me is a verification and not what I requested which was Validation of the debt.
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| 11/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX. Received a notice from Convergent Outsourcing regarding an amount owed to Florida Power and Light of {$760.00}.
XXXX. XXXX XXXX called Convergent on XX/XX/2021 to explain that they had the wrong person ; that we have never had an account with Florida XXXXower and Light, and that they should be going after the right individual.
XXXX. XXXX XXXX asked the representative for the social security number of the individual to see if it matched XXXX XXXX XXXX social.
XXXX. The rep would not supply any of the numbers for confirmation and insisted we supply the social security number of XXXX XXXX.
XXXX. XXXX XXXX would not supply since we did not know who we were talking to and what would happen to this information.
XXXX. XXXX said the call was over since I would not supply the info SHE wanted.
XXXX. So no resolution to the problem.
XXXX. Tried to call Florida Power and Light, but met with frustration as they had no real person to speak to, even though this was obvious fraud.
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| 02/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I sent written notification to Convergent Outsourcing requesting documentation of any contractual relationship between myself, & Convergent Outsourcing. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Convergent Outsourcing {$610.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
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| 07/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Convergent outsourcing just showed up on my consumer report. The reporting states the account was open XX/XX/XXXX. My consumer file with XXXX XXXX XXXX XXXX and XXXX have been frozen locked and there's an idenity theft alert on my file as well informing all propensity creditors that they need to call me and verify my idenity before opening a credit file. THIS DID NOT HAPPEN. I DIDN'T RECEIVE A BILL NOR A LETTER LETTING MY KNOW 5 DAYS ON ADVANCE OF THE ADVERSE ACTION THAT WAS GOING TO BE TAKEN AGAINST ME. There have also been addresses showing up on my consumer report at places I've never lived or have any association with. The bill is for XXXX. Account number XXXX Not only that. They've reported 2 different days of last activity with the consumer reporting agencies. One states XX/XX/XXXX and one states XX/XX/XXXX as the last date of activity. If like this negative information suppressed from my consumer file until after the investigation. My request will be in the photos below
|
| 07/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I did a Settlement in the amount of {$280.00} with Convergent Outsourcing Inc. account number XXXX on a XXXX XXXX account number XXXX on XX/XX/2020. The agent documented the account notes of the Settlement because every agent Ive spoken with requesting the Settlement In Full letter has specified it. XXXX XXXX negotiated the settlement and took my payment. Since this time Ive spoken with XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I was advised the account would be dated to reflect Settlement In Full / Closed as of XX/XX/XXXX and I would be able to access this letter online. As of today the account is still reflecting derogatory on my credit as a Collections Account with a remaining balance.
I spoke with XXXX previously and notified them this account wasnt my account, however Im in the process of trying to purchase a home and was advised I cant have any open collection accounts on my credit. Therefore I reached out to the agency to Settle the account to move the process along.
|
| 09/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/2022, I received a letter in the mail from Convergent Outsourcing , Inc. in XXXX, XXXX, stating that I owed {$140.00} to XXXX, and after their failed attempts to collect, Convergent was now collecting my debt. I contacted Convergent and a representative told me I owed the debt and began to ask for personal information from me, specifically my XXXX account number ( former ) and my personal pin for that account. I ended the call without giving that information. I spoke to XXXX three times over the remainder of XXXX and confirmed when I closed my account with them in XXXX, I had no balance, and they have no communications trying to collect any amount from me ever. I submitted a formal request to dispute the debt with Convergent. A week after that, today, I called Convergent to confirm they received my dispute request. At that time they said they did and they had cancelled my debt and nothing further was needed. This appears to be a fraudulent attempt to collect money.
|
| 01/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
After noticing a debt on my credit report I sent a letter of validation certified mail on XX/XX/XXXX ( asking for 30 day response ) to XXXX XXXX and the credit agencies XXXX, XXXX and XXXX for validation. In return I was sent from the credit agencies that the debt was validated ( but provided no proof ) and XXXX sent a bill which is not validation XX/XX/XXXX. I sent a certified letter to XXXX XX/XX/XXXX asking for proof that they validated this debt and again no proof was provided also sending one to XXXX again.XXXX continued to report on my credit report this debt without any validation that I am the person who owes this debt and has since starting sending collection bills still with no actual validation of this debt, no contracts, no transaction history nothing. My certified letter asked for a 15 day response ( sent XX/XX/XXXX ) of validation or for this to be removed from my report and neither has been provided. XXXX and the credit agencies continue to report this debt.
|
| 12/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Back in XX/XX/XXXX we started receiving bills and collection notices from XXXX in Illinois for charges incurred at XXXX XXXX XXXX XXXX XXXX IL and XXXX XXXX XXXX XXXX XXXX Illinois. We have NEVER resided at either of these addresses, nor have we incurred the charges mentioned. We have lived in Wisconsin XXXX sinceXX/XX/XXXX and do not use XXXX services. We notified XXXX of this and they turned us over to XXXX XXXX for collection.
I was a victim of identity theft inXX/XX/XXXX and hired XXXX to help resolve this problem. I did everything as instructed, including filing a police report and sending all necessary documentation to XXXX to forward to both XXXX and XXXX XXXX.
This was done, and XXXX and XXXX XXXX persist in pursuing this debt, which was not incurred by me, and they are ruining my credit record. I will not pay a debt that was not incurred by me and I have done everything I can to clear this up. It cost me {$300.00} to get XXXX to pursue this and it has n't stopped.
|
| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : Convergent Outsourcings XXXX XXXX {$2200.00}, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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After reviewing my credit profile on XX/XX/XXXX. I identified a discrepancy with account listed under Convergent Outsourcing and validation was request as this was an account that I did not recognize.I recieve a billing that look like someone just created it. They didnt provide me with the accurate paperwork. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received the correct correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out. After reviewing credit report again there has not been any updates and this account is still reflecting on the report. This creditor is keep re aging this account so the statute of limitations can start over which is a violation of my rights. Please delete this account from my credit report for being false reported.
|
| 10/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
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|
I was once a customer of XXXX XXXX. I was an account holder in XX/XX/XXXX. I switched companies, to XXXX, in XX/XX/XXXX for the XXXX XXXX.
Ever since the switch, which was done improperly by agents of the company in XXXX, IL, I have repeatedly received bills from XXXX XXXX in XXXX, WA.
The reason I switched companies was because I was doing music on an old XXXX device. The phone fell flat on its face and broke completely in my dorm room. I then switched companies to get an XXXX XXXX because I never had one.
I paid XXXX off and told them to switch my service, however, they have continued to follow my activities socially and continue to send me past due collections bills regarding their device. I I paid every single phone I have ever had from XXXX off, but I still receive bills from XXXX XXXX. I called XXXX, I called XXXX, I called XXXX, I called all of them to tell them I don't own the account, but they continue to say I owe XXXX for past due bills that do not exist.
|
| 11/30/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
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.
|
| 03/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Prior to XXXX/XXXX/23 I had a mobile account with XXXX XXXX under XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX and terminated mobile services. After XXXX/XXXX/23 I did not use any service or purchase any product from XXXX XXXX nor did i receive any bill from them. On XX/XX/XXXX I received a demand letter from Convergent Outsourcing Inc falsely claiming I owed XXXX XXXX $ XXXX without any information as to what specifically the bill was for. I called Convergent Outsourcing and spoke with an agent and indicated i terminated my phone service with XXXX XXXX in XXXX and did not owe them anything. The agent did not provide any information regarding countermanding my statement. I then called XXXX and spoke to XXXX and again explained i terminated service with XXXX XXXX in XXXX and did not owe anything- once again, XXXX XXXX did not deny what i have stated. This to me seems to have the badges of fraud and I have made complaint to the Washington State AG office, as well.
|
| 01/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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An account with XXXX was sent to collections and is now reporting to my credit report. Convergent Outsourcing Inc . This is the XXXX collection agency. At the time that I ended my services with XXXX I canceled my service and was n't under a contact. So there was n't an early termination fee. After the collection reported I called XXXX to inquire about the charges. The nice representative was n't able to give me much information and unable to send me a bill that stated what these charges were for. She did tell me that my account was now being handled by Convergent. XXXX was not able to verify this debt and the accrued charges AFTER I canceled my services. The Federal Trade Commision alleges that XXXX was billing and Cramming bogus charges to its customers. I believe I am a victim of this unfair practice.
Without proper verification of debt and XXXX not being able to tell me exactly what these charges are for I am requesting that they remove stop all collection activity.
|
| 09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX & Convergent Outsourcing has set me on a wild goose chase for a fraudulent account they have allowed someone to open in my name and now are requesting information the average person would not be able to produce so they can continue to report an account that is continuing to hurt my credit. I simply can not produce mail from over 5 years ago. I did some research and found out that although you must produce identification they don't make copies of it. Last but not least I would love to file a police report in fact I spoke to officer XXXX of XXXXPD who advised me to request specific information so my report would not be vague and allow them to do an actual investigation which leads to an arrest and Convergent Outsourcing has failed to send me what I have requested per the request of the XXXXPD. I am not receiving any assistance just a copy of a bill and an address I have never lived on account so old it impossible for me to produce. Please see the attached documents.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I received a notification from my credit monitoring service that Convergent Outsourcing flagged my file as collections. I never received anything in the mail from the company. I didnt receive any notification from this company. I only was notified of this debt because of my credit monitoring service. On XX/XX/XXXX I mailed a dispute/validation request to this company via certified mail with a return receipt ( certified mail # XXXX XXXX. On XX/XX/XXXX the company once again flagged my credit file as collections. On XX/XX/XXXX, the company received my validation/dispute request ( proved by my certified mail receipt, and a XXXX XXXX signed the return receipt ). It is now XX/XX/XXXX, and the company has once again flagged my credit file as collections. I have not received anything per my validation/dispute request. This company is reporting an erroneous debt on my credit file and should be investigated. I have no relationship with them or their client, if any.
|
| 05/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
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.
|
| 05/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
in XXXX or XXXX I went to XXXX XXXX for a XXXX friday cell phone sale. I purchased a phone in XXXX XXXX ( XXXX account ) I was told there was a 14 day return policy which has always been the case for cellphone users. Within the XXXX I attempted to use the phone but the service was so horrible most of the time I could n't. Within the 14 days i returned the phone to XXXX XXXX and the representative stated to account was clear. Later i get a collection noticed saying i owe XXXX dollars for something i no longer own and returned to the store. I Spoke with the collection agency and XXXX directly and explained I returned the merchandise and was told i did n't owe anything. I also returned to XXXX XXXX picked up a copy of the return receipt, forwarded it to both companies and was still told I owe the debt some an item that barely worked and returned. The collection company is called XXXX XXXX XXXX . Date opened is XXXX XXXX , XXXX
|
| 03/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
This is my first action taken, calling them by past experiences with debt collectors would only result in a futile conversation over my owing the debt and nothing would be resolved.
According to them, Convergent, I supposedly contacted them on an issue of an ID/Theft claim. Then I was directed to call XXXX in regards to a Mobile service subscribed to me, and to file a claim.
I never subscribed, purchased or contracted any mobile services from XXXX.
The claim against me by Convergent was dated in a letter sent on or about XX/XX/2023. The following was enclosed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Convergent XXXX XXXX XXXX XXXX Account Balance {$190.00} Collection Cost {$840.00} Total Owed {$1000.00} Again, I have no recollection of this debt, verbally or in writing : its not mine, I never contracted with XXXX XXXX for any services.
I am attaching a file, please disregard the letter to " XXXX XXXX XXXX XXXX XXXX '' which happens to be included in this file.
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XX/XX/2020, Convergent Outsourcing, Inc. added a derogatory mark on m credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Certified debt validation letters were sent to Convergent Outsourcing, Inc. on XX/XX/2020 and again on XX/XX/2020. Both times the company sent me a letter saying the debt is valid and attached a bill with no signature or contract as verification. A bill with no signature or contract does not verify/validate this account/collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill saying it's mine. I have no knowledge of this account/collection and it does not belong to me. According to FCRA, Convergent Outsourcing , Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 01/10/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I sent a dispute letter to Convergent Outsourcing ( creditor ) on XX/XX/2018. This letter stated that the information they provided was incorrect and the negative mark on my credit report was being falsely reported by them. I also asked in this letter for them to provide me with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them.
A little over a week later, they responded with their " evidence '' and it was insufficient. The address that they had listed on the account was an address that I have never occupied.
So, after receiving their letter I sent them a second letter on XX/XX/2018. This letter let them know that the information they are reporting is inaccurate and they have failed to show any alleged contract or instrument bearing my signature. I asked them once again to please show me any viable evidence that this account is being reported accurately, it has been over 31 days and I have not received a response.
|
| 07/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Convergent Outsourcing responded to complaint : XXXX the representative XXXX XXXX stated that the company would remove the account from my credit report. Ive called the number she gave in her response to the CFPB and it was not to her Ive sent an email to the email address she gave and they have all come back undelivered. I have called the convergent outsourcing number to have them tell me, the account is still showing on my report and " if it were to be removed it would be done in 45 days. '' In my earlier statement I told the CFPB and the rep from convergent that this inaccurate bill is negatively influencing my career, as maintaining good credit is a requirement. In addition I told the CFPB of the XXXX continuing to fight with the company for repeatedly putting false information on reports and not adhering to federal law. this company needs to be fined, stopped from practicing or sued! if this inaccuracy causes me my career, I am suing.
|
| 08/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After reviewing my credit report ( s ), I was surprised that Convergent was reporting an alleged debt with XXXX, which I had previously disputed with XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to XXXX, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding XXXX XXXX XXXX XXXX.
|
| 08/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In XX/XX/XXXX I received an email from Convergent Outsourcing, INC stating that they were attempting to collect an alleged debt. I responded to these alleged allegations via communication by a written letter on XX/XX/XXXX explaining that the alleged debt does not belong to me. Convergent Outsourcing, Inc, responded back on XX/XX/XXXX with a typed up letter from XXXX XXXX dated XX/XX/XXXX with an alleged balance. To begin I have never done business with Convergent Outsourcing , Inc nor am I aware of this alleged debt that does not contain my wet signature stating that I agree to these alleged debts. Further more, Convergent Outsourcing have violated many of my consumer rights after I strictly advised them to no longer contact me unless they were contacting me with remedy. Without my consent Convergent Outsourcing , Inc has reported this alleged debt to my consumer report without my consent. Included is the communication that I sent to Convergent Outsourcing, Inc
|
| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is an invalid account- I have asked several times for information from Convergent supporting the validity of this debt and they have refused to give me demographics, dates of account open/close, signature to contract with original creditor, date of expiration, payments made to account and more importantly, my identification documents associated with this account. I would like this removed from my credit- this is the third time I have disputed with XXXX and next I will have to file for consumers assistance with credit reporting agency. I would like Date of account open Address associated with account Name on account Social Sec number associated w account Payments made to account Identification associated with account Contract signed/dated on account Date account expires off credit report Detailed explanation of account charges If you can not provide these than it is my right to ask for removal of this account from my credit report. Thank you for your time!
|
| 08/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX XXXX I disputed with XXXX about a company called XXXX XXXX. Theyre still trying to put a collection on my report.
Ive found out today that the creditor was XXXX. Ive called XXXX XXXX and they told me they have no knowledge of this report and that they also have no knowledge of my account. I havent been a customer to XXXX in over 2 years because of one of their employees using my social security number. This was on the file of my credit report. I canceled services with them immediately and was told all I had to do was pay the last balance which I did in XXXX of XXXX.
Since then now Im having to deal with a collection agency for a bill that is not mine and do not owe and with fraud with XXXX Im absolutely reluctant and with them not even being able to tell me anything makes me even more hesitant other than the fact that they have no files or anything about me in their system since I last had services with them. My advice is dont ever use XXXX again.
|
| 08/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received a voicemail on my home phone with only a phone number to call back. I researched the phone number to XXXX XXXX so I sent them a validation letter on XX/XX/XXXX. I received their " verification '' letter on XX/XX/XXXX. It was dated XX/XX/XXXX and stated that the debt was valid and attached verification of the debt. The attached verification shows a forwarded balance, my name, and an account number. I remember disputing this alleged XXXX debt back on XX/XX/XXXX, but it was with a different company, XXXX XXXX XXXX. I have my credit reports from XX/XX/XXXX in which I marked when I disputed it on XX/XX/XXXX. Then I have another credit report where I marked it that it was removed on XX/XX/XXXX. I have an XX/XX/XXXX XXXX report and that account is no longer on there, as it was removed in XX/XX/XXXX. When the alleged debt was on my XX/XX/XXXX credit report, it showed that the " account is scheduled to continue on record until XX/XX/XXXX. ''
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
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XX/XX/XXXX noticed on our credit report a Convergent Outsourcing on behalf of XXXX XXXX past due outstanding payment of {$1400.00}. for equipment. XXXXwe moved into a community that has XXXX internet and cable services, previously we were with XXXX all our services for 21 years. XXXXI contacted Convergent regarding this collection and told it was for unreturned moblie equipment. We never received any mobile phone equipment from XXXX. XX/XX/XXXX they offered us phone service but declined because they changed our 3 phone numbers. XXXX I deactivated the 3 accounts and was given a credit for charges they added to our bundled acct. in the amt. of {$100.00} ( doc. attached ). Speaking with XXXX agent, he told me collection notices were sent to an address in XXXX, ID, which we have never lived/resided in that state. We have never recieved or accepted any XXXX XXXX equipment nor recieved any notices at our courrent address or aware of any outstanding balances owed.
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| 11/09/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Item opened XX/XX/2021 and reported XXXX for {$420.00} by Convergent Outsourcing. The company in which I am writing this complaint never allowed me to dispute the information placed on my report. I never received a letter or notification of this item until placed on my credit report. I was not able to submit a letter because I never had an account number to dispute the item. When disputing the item with the credit bureaus, this company clients they did not violate the FDCPA, 15 USC 1692g allowing me to request validation of this debt. It has caused me emotional distress and mental anguish. When applying for work or credit this item is reflecting a character of nonpayment when I have not had this matter in quite some time. When asked to remove this item I was declined although no proof was provided to show the accuracy of the reported item by the collector or original owners of this debt. I have not documents to submit honestly because it never received any.
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| 10/08/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In 2010 my identity was stolen after going into my XXXX XXXX account on office computer. A box popped up requesting all my identity information. And dumbly I gave it all as it looks exactly like XXXX XXXX and I didnt know about phishing back then. Shortly after I started getting stuff from debt collectors from XXXX XXXX from a XXXX XXXX residency. I live in XXXX XXXX. I went to bank reported identity theft and fraud and closed my account. Throughout years Ive had the debt collectors through XXXX XXXX asking for money for utilities for tv and phone services. I have to go through whole process to clear my name. Why they have not flagged any account under my identity I dont know but its extremely frustrating. Im now once again going through the process to clear my name through debt collector Convergent Outsourcing asking for {$1600.00} for XXXX XXXX for an account balance plus equipment cost. Please arrest these people. I want to be freed from this nightmare.
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| 03/22/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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There are too many violations to pinpoint one specific reason for this " complaint. '' This is not a complaint- This is a NOTICE. I mailed the attached documents to them XXXX ( XX/XX/2023 ) Certified, Priority Mail, Return Receipt. As of right now, tracking shows it has arrived in XXXX, Washington and should be delivered either today or by XXXX tomorrow at the latest. CFPB- you know the laws. You enforce the laws. You have the power to impose fines. I believe that my request is quite minute- given the number of violations and amount of damages I've endured from this company. In the event that Convergent fails to comply ( hard to envision any accountability at this point ) I plead that you exercise the powers granted to you by congress. The cost and time it would require to go through the courts is not ideal for myself, I doubt that it would be for convergent. Convergent Outsourcing- this is a copy of the notice that you should be getting very very soonl
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| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I sent an Affidavit of Truth and an Invoice to Convergent Outsourcing, here is the tracking # XXXX. This company have not responded nor paid the invoice. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
There is no third party involved in this situation
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| 02/11/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Yesterday I received a report that I had a collection from Convergent outsourcing that I had a collection for {$270.00} for XXXX XXXX which I haven't had since 2017. To my understanding I had turned all equipment and paid all bills. I had not received any calls or letters regarding this. I tried to log on to the XXXX website to look up information and when I did it would not let me log on and when I would input forgot user name and password with my account number it was pulling a number and an email that is not mine. I did call XXXX and they did say that all equipment was turned in but that amount was for the last bill. I have no other information on this and Convergent didn't provide anything other than that. If this information was given to me it would have been paid off along time a go. I don't believe that it is ethical for something that was from 2017 is being brought up now when it was so long ago and I can't find proof that this was taken care of.
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| 11/27/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Previously I had filed a CFPB compliant on this debt through from XXXX XXXX # XXXX that was originally a fraud more than 10 years ago that was sold to XXXX XXXX XXXX when I filed the compliant with the CFPB. XXXX XXXX XXXX and XXXX XXXX sent a letter apologizing for trying to collect on a fraud and making promises that the debt would no longer arise under my name. Now here they sold to another company to avoid legal ramifications for harrassment on a fraud over 10 years ago and dismissed.
Now again they sold the debt to Convergent Outsourcing , Inc., act # XXXX and XXXX XXXX, XXXX act # XXXX as I received a letter harrasing me for a fraudelent debt over 10 years ago that has been dismissed multitple times. Please punish these forms and banks that sell the debts to collection agencies to avoid penalty and legal ramifications. Please file a class action suit against these forms for harrassment on debts previously dismissed and resolved over 10 years agoe
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| 10/11/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I've had this phone since XX/XX/XXXX. When I asked about unlocking my phone, I was told that it needed to be paid off before unlocking. The person I spoke with said that I owed {$240.00} then said a different amount when I asked her again. So, I bought a new XXXX that claimed to be compatible with XXXX ; it wasn't. I asked the person why since the package stated it was and she didn't know.
I've dealt with customer service several times regarding other e-mails on my account ; they said they don't have control about that. I questioned the person about requesting they be removed and he/she said they'd take care of it every time I called but it wasn't, resulting in XXXX XXXX ( XXXX ), XXXX XXXX XXXX Then I asked about the protection which I paid for and was told they ( XXXX ) couldn't control or fix the problems. I have not used this account since XX/XX/XXXX. They have charged me since then and I am not even connected to them.
Thank you, XXXX XXXX XXXX
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| 04/30/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Good morning, We keep getting calls from a company with the name of Convergent XXXX which is a debt collection agency. The residents in our home don't have any old debt. They call daily, 2 and 3 times a day. Sometimes when we say Hello, the caller hangs up. Other times they ask for one of us using a name and when I ask what is this about and how can I help you, they hang up on me. One time I requested they send proof of this debt they claim we have and they hung up. I received a call this morning at around XXXX XXXX and the same thing happened when I asked how can I help them they hung up on me. I checked our credit reports just in case there was something on them that is making this company call us daily and our credit reports are clean and in very good standing.
Please help, these calls are annoying. PLEASE DO GIVE THIS COMPANY ANY OF MY INFORMATION. THEY HAVE MY TELEPHONE NUMBER THEY CAN LOOK UP THEIR RECORDS WITH THE TELEPHONE NUMBER.
Thank you
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| 05/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I recently received a copy of my credit report so that I could begin the process of credit rebuilding and I saw this debt collection on my report. Although I am not disputing that I did owe the original creditor money, I did not owe the amount that was being reported by this collection agency. Also I noticed that the date they are reporting this date is off by almost 5 years. They are reporting it as if it is new and it is not. I called the number listed on my credit report and asked for verification of the debt. The person I spoke with refused to acknowledge that asking for verification of the original debt was a legitimate request. I was told that I needed to give them my information, such as social security and date of birth along with a current address and phone number in order for them to verify the debt. When I refused to give that information I was told that I would have my income tax garnished for refusal to pay. At that point I ended the call.
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| 06/25/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Debt validation letter XX/XX/XXXX Name : XXXX Address : XXXX XXXX XXXX XXXXXXXX Tx, XXXX Debt Validation Letter Company name : Convergent Outsourcing Collection opened : XX/XX/XXXX Collection amount : {$1300.00} RE : Account # XXXX 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.
Best regard XXXX XXXX :
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| 08/09/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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convergent is still reporting on my credit report after I have send them certified letter along with several complaints and they have refused to delete this account from my credit report. they have refused to comply and listing an unverified item on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. I informed convergent that as per FTC opinion letter from XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore they have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... ... promptly DELETE all information which can not be verified. '' ( Section 617 )
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| 11/04/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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My client requested our services to help them with credit reporting errors and debt collections. My client had submitted a fax through our office for a collection activity from Convergent Outsourcing. This letter was sent on XX/XX/2021. Please see fax confirmation and letter attached.
As of today XX/XX/2021 my client still has not received a response as allowed under the FCRA. Under the FDCPA regulations the collection company Convergent Outsourcing is in violation for failure to reply to my clients lawful request.
This incorrect reporting is causing damage to my clients credit on all three credit bureaus.
on XX/XX/2021 my client called Convergent Outsourcing at XXXX. Customer service representative claimed they could not find his information when giving his last four numbers of his social security number, last name, phone number. Than the representative just hung up on him once requesting why no response since sending his letter on XX/XX/2021.
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| 05/24/2018 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX wants to collect on a private student loan that is past the statue of limitation. They informed me that the original loan was {$33000.00} is currently {$49000.00} after 9 years of interest. They originally offered a {$29000.00} pay off in a letter received 2 days prior to a phone call. During the call I informed them that the debt was not on any credit report and was told that was do to it being a private loan and offered a one time payment of {$10000.00} with $ 800 monthly payments for 2 years. After informing the caller that I needed time to look into the claim, the offer was to settle for {$17000.00} if I could get a loan from a bank or credit union or to start a small monthly payment that I could afford with the first payment being made over the phone. I asked for verification of the loans history and told them that I could not make a decision as how to proceed until I had more information.
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| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account I did not recognized. I reviewed. my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated reflect that the account is disputed and therefore a second validation letter was sent out on this day. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureau 's until adequate validation has been received proving that the account belongs to me and all information is correct.
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| 03/27/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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During the beginning of XX/XX/XXXX, I received alerts on my credit reports that a total of three ( 3 ) collection agencies had reported debts to my credit reports. The original creditor is listed below. Also, All three accounts were opened in Texas. I have lived in the state of Louisiana for over 20 years. These accounts are fradulent. I am a victim of identity theft. I have filed a dispute with XXXX, XXXX and XXXX. Also, I have filed a dispute with all 3 collection agencies and the original creditors. I filed a police report on XX/XX/XXXX with my local municipality. I am waiting to receive the actual report but I do a case #. I am requesting an investigation and ultimately I would like these collection debts to be removed from my account.
Thank you.
Original Creditors : ( 1 ) XXXX XXXX XXXX - {$1200.00} Acct # XXXX ( 2 ) XXXX XXXX - {$930.00} Acct opened : XX/XX/XXXX ( 3 ) XXXX XXXX XXXX - {$1600.00} ( XXXX ) Acct # XXXX Acct opened : XX/XX/XXXX
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| 02/11/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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i got call today at XXXX my XXXX number from a collection agency claiming i owe alot of money, they said XXXX hired them to collect it, thing is. i have a pay as you phone from XXXX, so its impossible to have unpaid debt. i contacted XXXX they said i owe nothing, i called back convergent they said i have to pay, pls help, i looked this up and it seems to be some zombie debt scam that targets people, they act like you owed something from decades ago, that now grew, they used a XXXX number but seem to be from texas, CONVERGENT XXXX, they had my name, address, phone, demanded my social and credit payment, i said no to those, XXXX told me to just ignore them, im still scared and feel threatened by all this as their is no resolution from their threats. pls help looking this, i did many other people across the nation encountering this once i looked in to it this morning! thank you, this is some very shady, scary and confusion inducing scam, please help!
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| 12/20/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Approximately early XXXX, saw that my frozen credit had received a collection notice against it, instantly hurting my credit score. I had previously frozen my credit as I had observed several attempts to open accounts under my name in the XXXX timeframe.
This account however, I had no awareness of, is not mine and is purely a result of identity theft.
I attempted to file a dispute with XXXX but they require me to file a dispute with the FTC which redirects me to you.
Below is the information reported by XXXX : Original creditor XXXX XXXX Account info Account name CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$680.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$680.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX
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| 11/30/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, CONVERGENT OUTSOURCING, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I have never signed a CONTRACT or PROMISSORY NOTE with the company CONVERGENT OUTSOURCING.
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| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Thank you for your time! Humbled am I! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract and Reporting Act section 611 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Act ( including but not limited to Section 623-b ) I asked these companies to simply show me verification of debt etc or if these items are mine. None have done so. I am asking for proof or delete the item. It has been 2 months now almost 3. I have been filing reports and giving them chance after chance to prove this yet they refuse. I mailed more letters off as late as last week.
XX/XX/XXXX I mailed the first sent off letters.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
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| 05/11/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Nearly 6 years ago I moved to anouther state .Informed XXXX XXXX. turned in equipment, paid last invoice. 4-5 months later a collection agency contacted me via mail and 20 phone call of a {$260.00} debt for early termination of service. I contacted XXXX and after many calls and explanations of reason I could not re open service at new home. they sent me a letter. stating we were good and would be removed from credit report and let collection company be aware. This happened.
Until yesterday when I received notice from my XXXX monitoring .That a new collection company had reported the debt. 4 yeARS LATER. I contacted thee collection company and explained. first thing they were very rude and would not help me if idid not give them my full SS # and hung up on me 4 times when I said no, and we will have to look me up from name and address. after the 5th phone call I finally got a person to look up that way. Collection company is XXXX XXXX Ref # XXXX.
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| 10/03/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX has recently begun reporting an erroneous collection to the various reporting agencies on behalf of XXXX XXXX. I have never had an account with XXXX closed or left remaining with an open balance. I disputed the debt to XXXX XXXX, and XXXX replied that the information should be removed from my credit history, and it was. So, no issue there, except that they instructed XXXX and XXXX to continue reporting the identical account after instructing XXXX XXXX to remove it. I have attempted to dispute the collection and its reporting, but XXXX continues to verify to the credit reporting agencies that the debt as accurate. I can only assume they are n't bothering to check with XXXX, as I 'm positive even a cursory search will reveal the account is not mine. This brand new collection is causing a lot of damage to my credit just as I am attempting to buy a home, and I would like to avoid a lawsuit for this misplaced collection keeping me from that.
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| 12/22/2015 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American |
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Convergent Outsourcing , Inc .
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX This debt collection company called my landline. The caller id displayed PRIVATE NUMBER XXXX. The voice mail they left was a robo-call identifying them as Convergent Outsourcing and that they were attempting to collect a debt. I do n't know what debt. When I XXXX the phone number on caller id, I discovered it was for XXXX in XXXX, Oregon. XXXX I also XXXX the collection agency and they are located in the State of Washington with no offices in XXXX, Oregon. They obviously spoofed a different business ' number in an effort to trick me into answering the phone. I am of the understanding that this practice is against Federal law, so I want to file a complaint. I will be mailing a Cease & Desist letter tomorrow but I still want to complain about the spoofing. I am retaining a copy of the letter and I am saving the caller id information and voice mail to prove my side of this story.
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| 11/17/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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A XXXX XXXX debt outsourced to convergent XXXX was opened on my credit report around XX/XX/XXXX. Despite many calls directly to XXXX, and them stating each time I owed {$0.00}, I have to fight with convergent who reps always sound annoyed to work.
I submitted my refund check from XXXX ( why would they refund me if I owed them money? ) as well as my equipment return receipt ( from XX/XX/XXXX ), no response. I called and they said they didn't get the return receipt, it's clearly in the email. However, I resent.
I disputed through XXXX XXXX, and it was returned as a valid debt but yet XXXX has no clue what convergent XXXX is talking about it. It's been on my credit report for 4 months now and I haven't gotten very far. This greatly affects my ability to qualify for new credit. You would think they could simply call XXXX and resolve this.
I should be getting paid to do all their paperwork for them at this point. Extremely upset and frustrated.
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| 08/23/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Over the past few weeks i have been getting calls at my workplace from a company called " Convergent ''. its only a machine with a call back number then it hangs up. The call comes in usually around XXXX XXXX. on XX/XX/18 at XXXX i called the number that was provided by the automated call and asked them to stop calling my employer. they took the last 4 numbers of my work phone number down that i asked them not to call then hung up on me. on XX/XX/18 at XXXX the call came through my employer again so i called the number on the caller i.d . and not the one provided by the automated call in hopes this would solve the issue. i again asked them not to call my work and they took the whole phone number down and said they will put a note on my account to not use my work number then again hung up on me. this morning, XX/XX/18, at XXXX i got a call in my office from this same company. these calls have become harassing and is putting my employment at risk.
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| 01/25/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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On XX/XX/XXXX. XXXX, I recieved a bill from the company Convergent.
It was for charges to XXXX 's. I have never even done business with XXXX 's.
It said on the collection how to dispute the debt. It looks fishy, like they are trying to get someone with my name to acknowledge the debt and they collect it. I do not trust these scammers out there.
I am not responsible for this debt and I have mailed a letter to them along with a copy of the bill they sent me.
I know there are other people with my name, and this is NOt my bill.
This company needs investigated. This is the first bill I have ever received from them.
The Company is : Convergent, Convergent Outsourcing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX Phone # XXXX. They state as of XX/XX/XXXX I owe {$820.00} They never show any other detailed charges or interest incurred. I have never has any bill with so many ways and information of disputing the bill. The bill looks fishy.
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| 10/30/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was notified on XX/XX/XXXX that Convergent Outsourcing, Inc., had put a collection notice on my credit reports with XXXX and XXXX, which was apparently reported on XX/XX/XXXX. This is for XXXX XXXX.
In XXXX or XXXX XXXX, I contacted XXXX XXXX. They apparently provide cable in XXXX XXXX, which is where the account was set up. I have never lived in XXXX XXXX and have never opened any type of account with XXXX XXXX. I had never even heard of them.
XXXX XXXX informed me that the account was fraudulently opened and is identify theft in XXXX. A police report was filed with a police department in the City and State where I live.
Previous reports on my credit report of this debt from a different agency were removed in approximately fall or XXXX of XXXX. XXXX shouldn't be allowed to continue to mess with my credit this way. I've submitted disputes again against the Convergent Outsourcing, Inc. reporting. They shouldn't be able to do this either.
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| 05/01/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American, Servicemember |
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I applied for a mortgage for a rental property and the fellow that i had worked with on a couple properties in the past 3 years informed me that there was a unpaid debt in collection. This was lowering m y credit score which might cause a higher rate. He gave me the name of the collection company and the XXXX XXXX number. I called them and they asked for a letter, which I sent to them. A week later i received a letter from them that collection efforts would seize and it would be removed from my credit report. A week later I received a call from a different collection agency for the same bill. To say that i was irritated is an understatement. Over the past couple weeks I have argued with at least 20 XXXX representatives. They want me to get notarized statements and fax them the info. Why should i have to pay out money for their mistakes. I told them the y may have a policy, but my policy is to not pay for their mistakes
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| 09/10/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I received a letter from Convergent Outsourcing Inc dated XXXX XX/XX/2020 notifying me a XXXX account I had was sent to collections. I never got a final bill from XXXX, but that is another discussion.
On XXXX XX/XX/2020 I got a call on my cell phone demanding payment from the same company. This violated the 30 day validation period that began XXXX XXXX per the notification letter.
I confronted the collector on this and was sent to a supervisor. The supervisor denied the violation and again demanded payment.
I requested a breakdown validating the balance, and was told that would have to come from XXXX as the collector can not furnish one. I confronted them on the fact the collector is obligated per FDCPA to furnish the breakdown when disputed and requested. They denied that as well.
There are FDCPA violatio
ns : 1. Initiating contact inside the 30 day validation period. 2. Refusing to provide an account breakdo
wn validating the debt.
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| 09/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On ( XX/XX/21 ), I sent by certified mail ( receipt number : ( XXXX ), a request for convergent to provide me with proof and evidence of the debt they alleged I owed. In that same letter I also included my cease and desist instructions.
After verified delivery of my letter ( via their office 's signature ), they proceeded to mail a simple bill on XX/XX/21 in an attempt to collect a debt, which is a violation of 15 USC 1692b ( 2 ), and is NOT considered a " validation of debt '' by any means. They may wish to familiarize themselves with what is required when validating a debt. I attached a list of the requirements to VALIDATE this alleged debt.
Their office also proceeded to contact me after the delivery and acceptance of my certified letter. Contacting a person after a cease and desist can lead to serious trouble for their agency including damages of up to {$1000.00} per incident. I NEED THIS DELETED from my consumer report IMMEDIATELY.
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| 09/06/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Convergent Outsourcing Inc.
XX/XX/XXXX {$160.00} Company mailed a debt collection letter to an address I have n't lived at for over five years addressed to a name I have n't used in two years in an attempt to collect a " debt '' due for a phone bill from XXXX. I cancelled my XXXX account in XX/XX/XXXX, paid the final balance due and received notification regarding the {$0.00} balance on my account. When I received the notice from Convergent Outsourcing Inc stating a had an outstanding balance I called XXXX who again checked my account and informed me I was current, my account was closed, and there was no outstanding balance. I have never been behind in my payments to XXXX and have never had an outstanding balance with them. This is a fraudulent request from a company and an inappropriate request. My information should at no time have been shared with this company and with no outstanding balance this company should never have contacted me.
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| 06/06/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 12/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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I have an unverified account from CONVERGENT. I had previously disputed this account. I have never done business with CONVERGENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ONVERGENTProvide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CONVERGENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 03/01/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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For approximately 1 month I have been receiving phone calls from a company called Convergent Outsourcing ( www.convergentusa.com ). They tell me they are trying to reach XXXX ( XXXX? ) XXXX. I have told them every time that I do not know XXXX XXXX, and that I have had this phone number for 2 1/2 years. Every time I have received a phone call from this company I have told them to take my number out of their system as it is clearly a wrong number, and every time they have told me that they will comply. However, I am still getting phone calls. The most recent time I requested to be taken out of the system was yesterday ( XXXX/XXXX/16 ). After I told the person on the phone to remove me from the system, I went onto their website and filled out a form to request for them to stop calling me. Apparently neither of those methods worked because they called me again today. I called them back and again told them to remove my number from their system.
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| 12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is an ongoing and continued fraud being carries out by XXXX, XXXX and Convergence. For seven year I have been reporting this fraudulent claim and for seven years they have been taking it off and XXXX has been putting it back on my credit report with a different collection agency. For seven years they provided no documentation and suddenly now have found fraudulent document, which does not even relate to their false claim ( see attached file ).
My last request for this false claim to be removed from my XXXX credit resulted in a report from XXXX on XX/XX/2020 stating that they were no longer reporting the false claim. To this date they are still reporting this false claim and continue to carry out an attempt to extort money out of me. This is the same scam that the parking debtors were using to scam money out of people by making false claims of money owned in an effort to get people to pay rather then fight the false accusation.
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| 02/15/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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This morning, I received an alert of a new collection account added to my credit report by this company. At no time was I notified, in writing or otherwise, of any attempts to collect a debt nor did I receive an opportunity to review, validate or dispute the validity of this debt by company.
I request Convergent validate the following information immediately or remove any trace of this account from my credit reports : Full original account number Date original account was opened Any written agreements between myself and creditor stating this debt is owed Full account summary and itemized calculation of alleged debt Date of first delinquency Dates and times of any phone calls made and letters mailed in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving these communications were made as governed by FDCPA law Phone number and address they have on record to correspond with the demand above
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| 01/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Older American, Servicemember |
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I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 08/14/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I refer to the CONDITIONAL ACCEPTANCE package dated on XX/XX/2019, Certified Mail XXXX XXXX XXXX XXXX XXXX requesting original WET INK contract from Convergent Outsourcing. Please be advised that Convergent Outsourcing did not answer my requests point by point as required by law.
Convergent Outsourcing did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course.
Convergent Outsourcing did not stipulate whether or not you were the holder in due course.
Convergent Outsourcing did not stipulate whether this loan was securitized as required by law.
Therefore, Convergent Outsourcing admits to the following : 1. Convergent Outsourcing is not a real party of interest in this controversy.
2. Convergent Outsourcing are a debt collector and not the original creditor.
3. Convergent Outsourcing not having full and complete records of the alleged account.
Thank you
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| 01/03/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
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Web |
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I 'm not sure if this is considered impersonating, but I received a letter on XXXX/XXXX/2016 from XXXX XXXX. The letter stated I owed over {$1600.00} to XXXX. I have never had XXXX in my life. They spelled my name wrong, and I ca n't get a hold of anybody. I also called XXXX, and talked to the collections department, where they could not find my name, the name it was supposedly under, or anything of that nature, and they were looking at every account they 've ever had. XXXX ( who I supposedly had the account with ) has no record of me whatsoever. When I asked if they do business with XXXX, they stated they do business with XXXX in the state XXXX so if I ever did get a collection notice ( which, she stated, was impossible from XXXX because she looked, and I never had an account ) to disregard it, which is exactly what I 'm going to do. However, I would appreciate an explanation as to why this company is exploiting and butchering my name.
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| 08/29/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
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| 12/21/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I did not receive any sort of communication from Convergent Outsourcing, Inc., regarding an unpaid cell phone bill being sent to collections. I did not know that I owed a balance when I closed a XXXX XXXX account. I received no communication from XXXX or Convergent. I did not receive any communication asking me to pay the outstanding amount and then I didn't receive communication advising me of my rights regarding the account being handled by a debt collector. Now this is showing as a collection on my credit report. I found out about this debt from review of my credit report!!! I have received no information about how to dispute this debt. I do want to dispute the debt as I do not feel I owe the amount that is supposedly outstanding. But, I was never given an opportunity to resolve or dispute this matter before it was added to my credit report. I have no voicemail, email, or mailed letter letting me know my rights regarding this debt.
|
| 12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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From XXXX to XXXX I had XXXX. I also had one other person added to my account because they claimed they needed a phone. The person decided they would not pay their bill so I brought my phone up to date and switched to XXXX in XXXX. Prior to that, XXXX charged exuberant prices to which they could not allocate the reason for the costs and wrote them off as hidden fees. XXXX is a very bad company. Fast forward to XXXX, I am receiving letters stating I owe $ $ on a device that is not in my possession nor do I own. The person on my account attempted to send the phone back to XXXX, XXXX claimed they could not take the phone. XXXX has messed up my credit significantly and has set me back 5 years. Without any investigation, XXXX allowed an account under my name to remain open and charged. Now that theyre no longer a company, theyve insistently harassed me over a year for a charge that does not belong to me and subsequently, ruined my credit.
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| 12/28/2015 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Frequent or repeated calls
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Web |
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People I know are getting phonecalls that this phone number keeps calling them looking for me. If they have my address, DOB, SSN and name why do n't they just contact me. I work during regular business hours so I can not pick up my phone calls all the time unless its an emergency with my children from school. But for them to be calling my brothers, sisters, cousins that 's not right and it 's embarrassing. I know that I have debt but how can I know who to contact if their agency keeps selling off my file to a new agency and the new agency is calling my entire family when I do n't even live in the same town as them. I pay attention to my voicemails and my mail I receive at home. But multiple phone calls everyday to my family members is a little excessive when trying to pursue a debt collection - it 's just annoying and as a consumer I am upset from the embarrassment of being in financial debt that I do n't even want to work with them.
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| 10/15/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American, Servicemember |
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Recently, I sent correspondence to the debt collection company Convergent to dispute the debt in question and request documentation that reflects that I owe the amount in question which is {$720.00}. Per request for documentation I was only sent a letter stating that an investigation was completed by Convergent and that there findings stated that I owe the debt, I am requesting those findings that convinced Convergent that I owe that debt. Also, this account is expired under the statue of limitation here in the State of Nevada for written and or verbal contracts. This account is reflecting on my credit report as a negative account, and if Convergent can not provide the legal documentation showing that this account has not expired under the statue of limitations in the State of Nevada and written proof that this is my account. Then I am requesting this account be removed from my credit report, and no further contact from this agency.
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| 09/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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After paying off a debt to XXXX in the amount of XXXX which I don't believe I owed to begin with, a scam artist collection company called XXXX I believe kept sending me the XXXX bill through collection letters until LIKE AN XXXX I sent this XXXX XXXX collector my original paid in full receipt which they miraculously didn't recieve, HOWEVER it completely disappeared on my credit reports but NOW they just reported it AGAIN XX/XX/XXXX as open and unpaid. This is MafiXXXX type extortion and my credit was finally after years well over the XXXX mark, 100 % on time payment history for 5 years! And these extortionists are ruining my credit again. I need your help PLEASE. I read online this particular collection agency is constantly in legal trouble for trying to collect paid debts, then I heard XXXX XXXX mention them just last week on his show for deceptive practices. Please help, I take pride in my score and it's being ruined by criminals.
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| 04/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXXXXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 08/02/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have never received any attempts from XXXX to collect a debt and haven't used them for >2 years. I received a collection notice from Convergent Outsourcing , Inc. stating I had a debt of {$37.00} from XXXX XXXX for recovery of 70 % of the debt, and I could pay 3 different ways, Online/Phone/Mail. I went online to try to pay the debt - they had me enter the account number from the letter, my last 4 of my social security number and my zip code and my last name. The website will not accept my information to " locate my account. '' When I call the phone number to try and pay, half the time they state " please call back during regular business hours '' and the other time they have a recorded message stating " there is not a representative available to take your call, goodbye. '' In short, this seems to be a phishing scam/fraudulent company that is hoping someone will just give in and mail them the check instead of verifying the debt.
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| 06/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
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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 _ET
|
| 03/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have a medical bill that is the subject of a good faith dispute. It was submitted by the medical service provider to my health insurer using the incorrect billing code. The claim was resubmitted, but the insurer has not yet responded. In the meantime, the medical service provider still has in its records that I owe the entire balance, which may or may not be true, depending on whether insurance covers some or all of the charge ( and I strongly suspect this would be covered ). The medical service provided was a series of vaccines required before traveling abroad. I received XXXX, and XXXX were covered. It was the XXXX that was submitted incorrectly, and is being resubmitted. Because the other XXXX were covered, I have every reason to believe the fourth will be covered as well.
Despite the good faith dispute, I have received several, increasingly hostile, calls and mailings from the medical service provider 's collection agency.
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| 05/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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XXXX XXXX calls from phone # XXXX every day, 4-5x per day at my place of business. I have tried numerous times to answer the call so I could speak to someone, but once I answer, the call hangs up. I have contacted them 4 times now to request them to stop calling. Just today, when I recognized the phone number, I answered it on speaker phone. There was an automated message with a name on it. I then called them back to give them the name. They notified me that they cant stop our calls based on the name. We have to provide the specific telephone #, which is impossible for me since we have a phone system that rolls over if unanswered in another state. we also have individual direct telephone numbers that will also roll over if unanswered. I advised them to have their IT dept figure out how that name provided was entered, so they would be able to trace the phone number. So far, nothing has been done. This has gone on for 2 months now.
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| 04/09/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
XX/XX/XXXX: XXXX XXXX account closed and paid in full.
XX/XX/XXXX : XXXX XXXX started withdrawing money from my checking account, I stopped the payment.
XX/XX/XXXX : XXXX XXXX sent to collections, Convergent. I disputed twice with XXXX XXXX and they said it can't charge me once account is closed but they couldn't get Convergent to return the charge off to get taken care of for me.
I tried two other times through agencies credit reporting dispute process. They still did not remove and said it is a good debt.
XXXX XXXX said not good, but yet Convergent says it was good. After account was closed I was charged.
This is on my credit and now I have to pay to get a home mortgage or they will not try to finance me for XXXX dollars. I have no problem paying this, my credit score is over 750 but for some reason the bank wants me to pay this off.
Please have them remove this from my credit. They are harming my purchase of a home.
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| 10/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
convergent outsourcing has illegally re aged alleged debt. A collection account is reporting as open on my credit report. Which is illegal and false information. I did n't enter into a contract with a debt collection agency. This false and deceptive practice had hurt my ability to obtain credit. They are reporting XXXX accounts from comenity bank and XXXX account from XXXX as opened by me. They also re aged the debt as if I recently opened these accounts once they were sent for collection. They claimed to have sent me verification of these accounts which is false. A collection account can not report as open that violates the FCRA and the dates and amounts are incorrect. I 've stated this for months and there was no proper investigation ever done. Also no resolve to my complaints. The only thing left for me to do is to seek punitive damages for what this has cost me. Since you wo n't investigate I have to make this a legal matter.
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| 04/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I received a letter in the mail, seeming official, from a company identified as Convergent Outsourcing Inc . They stated in their letter, that XXXX had sent me to them, for collections, as I still owed {$890.00} on my account. I do n't know how they got that information, but I was already in contact with XXXX to pay that debt -- monthly as much as I was able. I called XXXX Customer Service and they responded that they had not sent me to any collection agency. Convergent Outsourcing Inc. fraudulently attempted to take payment for a debt they did not own -- if they are indeed a collection agency at all. After a quick online search, I found that Convergent has been scamming people for years. They have no right to collect any money from me, nor do they have the right to contact me in any way. I want them reported to whatever agency is allowed to stop them legally. They are scamming people, and have been doing it for years apparently.
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| 01/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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This is about a complaint sent from me to you through CFPB submitted XX/XX/22 requesting your company for validation of the account from XXXX # XXXX.
In response to my complaint, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction. Further, the creditor reported this on my Consumer Reports ( XXXX & XXXX ) as Charged Off. This means that the creditor XXXX is no longer attempting to collect the alleged debt owed by them.
I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me, as a consumer, that the creditor was attempting to collect a debt but in reality, it was not true. Because of your deceptive tactics I demand you delete the collection account off of my XXXX and XXXX consumer reports. If your company does not comply I will be forced to seek litigation
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| 10/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I am a Military Vet with over 10 years service to my country. I became XXXX in 2016 for over 4 years. As such I lost most of my documents. I have recently become settled and in the last year I have been trying to resolve these fraudulent account issues with the following debt collection agencies. These accounts I did not open and their presence on my Credit Report has made it almost impossible to take care of my children and my family during this Pandemic. I also reported it to the Police and they advised me that I should make a report to CFPB. The below mentioned companies have not been able to provide me with either my Social Security number or my signature as proof that I have opened these accounts. Neither will I provide it to them as I no longer believe that it is safe to do so.
XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
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| 09/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Convergent outsourcing reported collection supposedly from XXXX on my credit report for the amount of {$2200.00} ... I contacted the collector who stated they " just '' purchased this debt from XXXX with whom I never had service with .... but after requesting validation for debt from convergent purchase date stated on their statement from XXXX showed XX/XX/2016 I contacted XXXX who had NO information to provide and NO accounts under my social. Again, convergent harassed me with calls to my cell work and my parents where I just agreed to pay the settlemetn amount just to make them go away and they agreed to delete this erroneous collection from my report. Now 2 months after I paid what I didn't owe in first place and never received a collection letter from convergent they are STILL reporting this on my report and bureaus are stating they " validated '' this collection so they will not remove ... please help this is unlawful ...
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| 12/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This company has no legal authority to collect this account. They have made an illegal entry and gained access to my credit report for money that is not due and paid in full, months ago to the principal account holder. This amounts to an attempt to illegally collect money that is not due. I call that extortion. This company has no assignment of claim and therefore no standing to collect anything. This company has gained access to my credit report under fraudulent pretext. I have a 'credit alert '' system in place and on XX/XX/2019, I was advised of this illegal action by that alert system. The company has made no effort to contact me over this so I wrote them a letter, as this is the weekend. A few months ago I filed a complaint with this agency over this issue and XXXX. Since then I have discovered a pattern of deception by XXXX and now this company has gotten involved.
Convergent Outsourci XXXX XXXX XXXX XXXX XXXX, WA XXXX
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| 03/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received a collection notice on an account that wasn't mine. Was for XXXX XXXX service starting in XX/XX/XXXXand ending in XX/XX/XXXX at an address I never lived at and the name on the account was similar to mine but not me. XXXX XXXX has confirmed that it was a case of mistaken identity and that they never provided the collection agency with my social security number. I mistakenly provided that information when I called to inquire about the collection, so now they have my social and insist that XXXX XXXX provided it to them and I must pay the amount. XXXX XXXX XXXX fraud department told me that were attempting " Skip Tracing '' to collect since my name is similar to the one on the past due account. Problem with that, the past due account has a female 's name and I'm a male. I called the collection agency twice in 2 days, they insist it is me and that they never " Skip Trace '' and I'm responsible for the past due amount.
|
| 08/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am filing a complaint against CONVERGENT OUTSOURCING because they are attempting to collect a debt that I do not owe them. Account Name : CONVERGENT OUTSOURCING, Account Number : XXXX Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete.
1. What certified documents were reviewed to conclude your investigation?
2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with?
b. What was the date?
c. How long was the conversation?
d. What was their position?
e. What number did you call?
f. What is the name of your employee that spoke directly to the creditor?
g. What is the position of your employee that spoke to the creditor?
.
|
| 03/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I received an alert that an item ( that I have no knowledge of in the first place ) from XXXX XXXX had been removed from my credit report on or around XX/XX/XXXX. I was told that there was a glitch in the system. I thought maybe the glitch was in my favor being that I do not have knowledge of this account. On Sunday, XX/XX/XXXX, I received another alert that it had been added back to my reports. I did not receive written notice from either the collection agency or CRA 's that this item would be reinserted back on my credit file. New, validated proof of the debt was not provided either. This reinsertion is a clear violation of the Fair Credit Reporting Act. This reinsertion has also caused a decline in my credit score and I am very unhappy. Due to this violation of my rights, I am requesting that this item be removed from my XXXX and XXXX reports permanently and immediately and that it not be placed on my XX/XX/XXXX report.
|
| 11/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Starting last year, I started receiving letters from XXXX XXXX, a collection agency regarding a XXXX XXXX debt. I had a XXXX XXXX account many years ago, before I retired, and it was included in a debt consolidation program I joined called XXXX, XXXX. When my consolidation was all paid off, XXXX sent me a letter, which, unfortunately, I no longer have. I never thought that this many years later I would receive a letter about it. To the best of my recollection, my XXXX account was completed around 2006 or so. I honestly can not remember, but it was completed a long time ago.
XXXX XXXX is trying to collect over {$200.00} from me and I will tell you right now that I am not paying a dime. My account was paid in full by XXXX, XXXX and I have no open accounts with XXXX XXXX. I want XXXX XXXX to stop harassing me. I have already told them that I will NOT respond kindly, nor will I pay this debt that I have paid a long time ago.
|
| 08/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2021 I ported my phone services from XXXX to XXXX XXXX XXXX. I had a final bill from XXXX which I paid off in the amount of {$1700.00}. This was paid off from bank card with XXXX XXXX XXXX XXXX on XX/XX/2021. On XX/XX/2021 XXXX XXXX alerted me that I have a collection from Convergent Outsourcing original Creditor - XXXX. I have contacted XXXX and they have told me that I need to contact Convergent Outsourcing. XXXX refuses to go over the bill with me and Convergent Outsourcing just keeps asking for payment. At the end of XXXX I did receive a paid in full balance receipt from XXXX which I did not keep because I did not think I would need it again. I have attached a copy of my bank statement showing Ive paid them. I marked in RED showing the debit from my account. I have also attached a copy of my XXXX XXXX XXXX initial bill showing when my services were transferred over. Please remove this debt because I owe nothing.
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX sent me to collections ( Convergent Outsourcing ) for an a box which I returned to their office years ago. They included {$200.00} for the box and {$75.00} for a " Last bill ''. As stated earlier the box is in their office and I don't know how I was being charged {$75.00} for a last bill if the account was always on autopay and when I closed out the account there was nothing due. After years of going back and forth they finally removed the equipment charges on XX/XX/20 but they refused to remove the {$75.00}. I chose to stop fighting them and pay the {$75.00} with the promise that they would delete my collection from my credit because it should've never gone to collections to begin with. On XX/XX/20 I paid this " last bill '' ( I felt I didn't owe ) and they requested deletion of the collection. As of today, this collection is still reporting on my credit and the collection agency and XXXX refuse to remove this.
|
| 06/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter from a debt collector, stating that if I paid 35 % of my total debt it would be settled and paid in full. 7 days later I paid the settlement amount. I received a written letter from the debt collector stating my account had been settled in full a few days later. Months has gone by, and they have only reduced the settled amount from the original amount owed, instead of bringing my balance to XXXX. I have disputed it and provided all the proof to XXXX, and they told them the balance reporting is correct, which is false because it should bring my balance to XXXX which again I have proof in the debt settled in full letter from the collector. Now, since I paid the settled amount, the original grantor is reporting my account as delinquent every month, hurting my credit. The whole point of me paying the settled amount was to help my credit. They are definitely not allowed to do this and it is not fair to me.
|
| 07/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX XXXX has a fraudulent account listed against my credit file with the credit bureaus. The account they have listed against me was opened as a result of identity theft, where my correct personal information was used to open a utility account in my name fraudulently. This account is however not under my social security number, yet it is still listed on my credit file. I have contacted XXXX XXXX to make them aware that this was a fraudulent account and was yelled and screamed at by one of their agents, and they refused to remove the account from my credit files. I have never done business with XXXX XXXX, the person who placed this account with Convergent, nor have I done business with XXXX XXXX. This account is 100 % fraudulent and Convergent has refused to cooperate in having this fraudulent account removed from my credit file and continue to attempt to collect on a debt they have been made keenly aware is fraudulent.
|
| 10/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX located in XXXX, WA claims that I owe a debt of {$120.00}, and the original debtor is XXXX. I sent a letter of dispute via certified mail to Convergent on XX/XX/2018, it was signed for on XX/XX/2018. I requested that this debt be validated by way of a legally binding contract bearing my signature. Convergent responded claiming that the debt is verified, and sent a phone bill. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does NOT constitute verification.
I sent a second letter via certified mail, which was received and signed for on XX/XX/2018. Today is XX/XX/2018, and Convergent still has not responded with competent evidence BEARING MY SIGNATURE. This is a violation of FCRA & FDCPA. It is evident that this company can not validate the alleged debt, and therefore the entry needs to be requested for deletion by the credit agencies.
|
| 07/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I made a complaint against XXXX today already on this. Months ago, I was occasionally receiving mail from a company known as Convergent ( I think it is a debt collection ) showing I owed XXXX over {$5500.00}. I honestly already threw them out because I thought this was all over. I went to my local XXXX store at XXXX XXXX XXXX, XXXX XXXX, VA XXXX and had numerous phone calls with XXXX.
I was told that the letter looked like a fraud scam to them and the account numbers shown in the letter showed nothing in theirs for an account for me.
After I called XXXX today, they were incredibly rude and after I kept asking for documentation on a dispute that she claimed she was filing for me ( but kept telling me to come here .... ). I recorded the entire conversation on video.
XXXX decreased my credit by XXXX points recently because of some XXXX account. I have no XXXX account that I don't already spend monthly expenses on.
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2017 i made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do business or extend my credit to this company. I didnt understand the meanings statedand it was not clear and conspicuous to me at the time. i have been attemping to urchase an assset but but because of this i am not able. I beleive because there is no evidence of a debt only these papers of some type of copied papers of statements the comapny continue to show and this allegd agreement.
The agreement should be voided because I made a uniformed decision and didnt understand none of it. I could have made a better choice if I knew the details in full.
Also i don't have any business dealings with company named Convergent, the attatched is not evidence of indebtedness. please delete from my report
|
| 11/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was generated into his XXXX credit report XX/XX/2018 related to the fraudulent application.a formal dispute of that information was mailed certified with return receipt to XXXX XXXX XX/XX/2018. As of this date XXXX XXXX has failed to reply to the outcome of the investigation, this activity is a violation of the FCRA and my clients federal consumer rights.
In addition to the fraudulent XXXX XXXX attempt ; the fraudster was successful in establishing a phone account with XXXX ; that account fell into collections with XXXX XXXX. A formal dispute was provided to them XX/XX/2018 concerning this issue of fraud and as of this date no reply concerning the investigation has been received, this is a violation of FDCPA, FCRA and my clients consumer rights.
|
| 12/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I enlisted in the XXXX XXXX on XX/XX/XXXX. Prior to that I was living with my parents, and during that time I paid the internet bill because I wanted faster speeds. After I left however, my step father had closed the accounts and switched to a different service. But he did not do something correctly because apparently there was still an unpaid dept. Which is why a year later, I was sent a dept collection from Convergent Outsourcing on XX/XX/XXXX for {$310.00}. I paid it off in full on XX/XX/XXXX.
In the 3-4 years that I have had credit I have only ever missed one payment. My credit was in he mid to high 700s prior to this. Yet this one collection has pretty much destroyed my credit and supposedly collections stay on for 7 years whether paid or not.
I have emailed them twice requesting to remove it from my credit to no response, and now i'm wondering what options I have to get this taken off and restore my credit.
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was made aware of a fraudulent charge from XX/XX/2019 on my credit report in XXXX of 2019 when I was applying for a loan, and there was an item that had gone to collections on the report.
The item in question is from XXXX XXXX in the amount of {$250.00}. I have never utilized these services and immediately reported this as fraudulent with each XXXX XXXX, and XXXX credit reporting agencies.
I have since begun receiving debt collection notices from Convergent Outsourcing, the company attempting to collect the balance due to XXXX XXXX. When I contacted them, they would not assist unless I had previously filed a police report, which I have not done.
The last communication I received from Convergent provided the following details : Creditor : XXXX XXXX Client Account # : XXXX Convergent Account # : XXXX Amount Owed : {$250.00} Total Balance : {$250.00} Please advise the next steps to get this resolved. Thank you!
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company Convergent is engaging in unethical and bad faith practices. I made a payment arrangement on XX/XX/XXXX or XXXX and paid XXXX dollars and told them within two weeks -I still owed XXXX dollars. I got multiple letters from them during this two week time frame The one in front of me said I owed XXXX ( incorrect amount dated XXXX after we made payment arrangement and I had already mad a payment ). We had settled for approx XXXX dollars. My second and final payment was to be on XX/XX/XXXX. They turned in my info to the credit bureau XX/XX/XXXX. I paid the rest of the settlement yesterday on XX/XX/XXXX. XXXX XXXX XXXX got info from XXXX XXXX that an account was added. Convergent turned it in before my last and final payment of XXXX dollars. They reported it to the bureau with the amount of XXXX. It is already paid off. The company did not allow the arrangement to be completed before reporting. It should be removed.
|
| 03/31/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I just received a collection notice in the mail on XXXX regarding a service that was done in XXXX by a XXXX office. The last bill that had been sent to me was in XXXX from the collection agency in which I believed I took care of. I had not received any bills post XXXX until XXXX of XXXX which is 10+ years later. They also stated that they had recently sent be 2 e-mails regarding this bill and after looking through all aspects of -email, including the spam and trash mailboxes, it did not show any e-mails from this company.
The company that sent the collection bill 10 years or more after the service is Convergent Outsourcing Inc and the bill was regarding was XXXX XXXX XXXX XXXX XXXX in which they have no regard of me being there since back in XXXX as medical offices usually shred patient chart information around 7-10 years since date of service. Convergent Acct number is XXXX and the original account number is XXXX.
|
| 05/24/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
this was a bill that went to collection that should have never been a bill in the first place, I had paid my phone completely off 2 months prior as well they told me they were resetting all the plans so I had to resign up for a whole new plan and as well decided to try telling me I had to re pay for the entire phone when it was paid off so I decided to cancel my plan and its been effecting my credit ever since. I want to resolve this issue do to wanting to fix my credit and this is starting to affect my credit score in a very negative way to the point that I would like if something can be done do to not having accurate detail of amount owed as well havnt heard from them at all in regards to the matter and would like to have some sort of info needed in order to get accurate info to exactly why its so high and see what I can do to get it appropriately taken care of and taken off of my scredit score as soon as possible.
|
| 05/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX , is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX 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 on any of my credit reports. Convergent Outsourcing is in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character. I have made several attempts to resolve this issue but the company indicates that they do not have the account in their records but it continues to appear on all XXXX of my credit reports. Account # XXXX
|
| 10/23/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
CONVERGENT OUTSOURCING has placed derogatory marks on my credit report in attempting to collect a debt that is not valid, on behalf of XXXX XXXX. Documents attached will show that on XX/XX/XXXX I began to communicate with XXXX XXXX regarding incorrect statements made to me in securing my business, and incorrect billing that began immediately thereafter. And over the remainder of my business with XXXX into early XXXX, I continued to contact XXXX XXXX while being swapped from rep to rep, put on hold, told I would be called back without any response. Documented is another call in XX/XX/XXXX where I again attempted to reach a resolution with XXXX regarding the billing but was left waiting for a call from a manager to reach a resolution. All of this time they were offering to give me a credit when I pushed for the bill to be corrected but never would adjust the actual bill. And I do not believe I owe any monies to XXXX.
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
|
| 05/02/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
CC : XXXX XXXXXXXX XXXX Fraudulent Client Account # XXXX XXXX Account # XXXX Fraudulent Claimed Amount {$520.00} First and foremost, XXXX XXXX XXXX XXXX have no federal, state and chartered authority to request Personal Identifiable Information ( PII ) from any U.S. consumer such as my SSN, DOB, Drivers License, as such.
If you can not be trusted in small matters { i.e., utility bills ) ; who will trust you ; or debt collection firm in large matters. { i.e., Privacy laws } * The Privacy Act of 1974, as amended, 5 U.S.C. 552a As a any prudent U.S. citizen do, XXXX XXXX XXXX XXXX completed a annual credit check ; to preserve & protect my identity and good name. A debt collection company named " XXXXXXXX XXXX XXXX, located in XXXX, Washington, falsely claimed that XXXX XXXX XXXX owned & owed some commercial property in the state of Georgia ; as well as, XXXX XXXX had a utility account with the XXXX XXXXXXXX XXXX.
|
| 09/03/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Creditor : XXXX Collection Agency : Convergent Outsourcing In XXXX I had an account with XXXX. I moved outside of their coverage area. Per my agreement, Early Termination Fees were supposed to have been waived.
To my surprise, a XXXX bill was turned over to a collection agency ( Convergent Outsourcing ) who claimed the fees were not waived, they could not waive the fees that should have been previously dismissed by XXXX. This left me with an unpaid balance of {$850.00} as of XX/XX/XXXX.
This already illegal debt should be 5 years old at this point. To make matters worse, the same creditor re-aged this debt as a XXXX debt, making this look more recent. This has dramatically lowered my credit score and is causing financial hardship.
I attempted to dispute this several times in early XXXX, through XXXX. All disputes were denied, and again making this look like recent negative activity. Please help. Thank you.
|
| 04/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My letter to the company. They are trying to get money from me which I dont owe and steal my Identity. It makes me nervous because its on the collection now. Request Type I h ave a dispute CONVERGENT USA - DEBT COLLECTOR Consumer ID XXXX Request Date XXXX XXXX Details Hi, I received a collection notice from this company in the mail for the amount of {$25.00} for XXXX company. First of all I DO NOT have any XXXX account. I do n't even-know how XXXX XXXX works. Second, this is only {$25.00} I dont have any reason why I will not pay this small amount. I would like to know what is this transaction, and please also advise where did I purchase this transaction?? I would like to file a police report on this if this is proven not my purchase. I am worried now that my Identity is know stolen. Please advise asap so that I investigate what happened in this amount. Thanks, Account Number XXXX
|
| 08/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company is ONLY calling me AT WORK. They have n't told me who I supposedly owe money to, which is NOONE. I discharged a Chapter XXXX Bankruptcy for medical bills XX/XX/XXXX. All other medical bills, since XXXX XXXX, XXXX fall under the Washington State Crime Victims Compensation Plan, which also specifies that NO DEBT CAN BE COLLECTED FROM THE VICTIM. No collection attempts are allowed by law. I have received NO MAIL, NO attempts other than calling me at my place of business. I have no clue what they think I owe, but I have been more-than-on-top of my bills since I filed BK in XX/XX/XXXX. I do not owe what they think I owe, nor do I even know what they think I owe. This is a clear violation, they have not even attempted to send me a letter or bill for me to dispute and send a copy of the crime victims compensation plan and protection XXXX from the XXXX. If they touch my credit report, I 'm calling a lawyer.
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
|
| 06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
CONVERGENT OUTSOURCING, INC. is refusing to remove a collections report from my file. I do not owe Convergent Outsourcing any money. I never paid Convergent Outsourcing any money. I have been trying since the XX/XX/XXXX to get this collection removed from my credit reports. I have filed two disputes. Convergent blocked the disputes because they keep telling the credit report companies that I paid them money when I did not. My account with XXXX XXXX is closed. XXXX said that I don't have a file with them and that I need to clear the matter with Convergent. Convergent says I need to clear the matter with XXXX. Convergent lied and says that I communicated with them about this account two days ago ( XX/XX/XXXX ), which is impossible as that was a Sunday, and I never called them anyway. Today ( XX/XX/XXXX ) is the first day I have ever contacted Convergent because I was told to do so by the credit bureaus and XXXX.
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Upon checking my credit on XX/XX/XXXX, I see an account reported to XXXX This account is not mines. I reached out to the original creditor XXXX fraud department on XX/XX/XXXX and they told me that they have no knowledge of this account being reported to my credit to equifax or any other collection agency. They have no records of it The information was not furnished by them.
Collection Agency CONVERGENT OUTSOURCING , INC .
XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX XXXXACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CONVERGENT OUTSOURCING , INC .
XXXX XXXX XXXX XXXX XXXX WA XXXX I reported identity theft to the FTC on XX/XX/XXXX the reference # XXXX
|
| 08/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I found out someone committed fraud in my name under the cable company comcast. i asked both comcast and bill collectors to send me the bill with the address used for comcast stating that actual address so that i may file a police report. first they said they could not provide me that information until i mail them proof of address. one week later they sent the bill to my current address that of course i 've been living for over 10 years with my current address on it, but not the fraudulent address they were accusing me of having the unpaid debt. The debt collectors told me that i have show proof of address for those remaining years which were back in XXXX and XXXX! i have no bills what so ever from those many years ago. this just is n't right at all! now they refuse to help me. so i 'm stuck with debt that i never knew of or never received any mailing within those years to my name and ruining my credit history
|
| 04/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Re : Convergent Outsourcing Inc., a Debt Collection Company ; XXXX XXXX, My Credit Profiles indicate Convergent Outsourcing Inc., a Debt Collection Company, placed a Collection on my Credit Reports in XXXX ; however, I did not receive a mailed notice of the debt until after XXXX.
According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile.
Additionally, I did not give explicit consent to Convergent Outsourcing Inc., and for that matter, I did not conduct business with Convergent Outsourcing , Inc .
Further, through the Consumer Financial Protection Bureau, these business matters with XXXX have been resolved ; I am uncertain why Convergent Outsourcing Inc. is attempting to collect on a fixed CFPB case.
Kindly delete the collection account from all three ( 3 ) ( XXXX, XXXX, and XXXX ).
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| 03/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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After reviewing my credit report I recognized an account/debt that did not belong to me. Ive sent 4 debt validation letters in the get proof of validation but I have yet to receive adequate information to prove that the debt is mines and that I am responsible for it. I spoke with a manager and he basically told me they arent able o validate it but he will not delete it from my credit report. My problem with this is because it is negatively effect my ability to obtain credit. Also it is false information that I shouldnt be responsible for especially if there not able to confirm I created the debt. I would like for this account to be deleted from my credit report in a timely manner.
The dates Ive sent debt validation letters via certified mail where : XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX Amount said to be owed {$870.00}
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| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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On XX/XX/XXXX after reviewing a copy of my credit reports, I wrote to Convergent Outsourcing Inc. regarding the reported account. I asked for documentation of the debt including but not limited to any contracts or agreements with my wet signature. I further requested Proof of their authority to collect the debt and proof of contractual relationship between Convergent and the original creditor XXXX which makes them an agency entitled to enforce a commercial claim against me, On XX/XX/XXXX, I received a response letter dated XX/XX/XXXX with no proof of anything! They attached a copy of the final XXXX XXXX due XX/XX/XXXX and a form of all the States they are either licensed in or have pending licenses to collect debts.
They failed to provide any proof/documentation I requested such as a contract to substantiate their right to pursue this claim or a certified copy of an original contract with my wet signature.
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| 06/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
|
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I moved from my hom e XX/XX/XXXX I contacted XXXX to schedule to have power disconnected from the address. They set it up for XX/XX/XXXX . T hey explained to me that my deposit would cover my last bill. So around XX/XX/XXXX I noti ced they put a charge off on my report under all XXXX bureaus in the amount of {$240.00}, it didnt show up as a collection account but under a regular account showing it was opene d XX/XX/XXXX and closed XX/XX/XXXX . Th ey mafe No contact with me regarding this account before it charged off. Then a month later I received a letter from a collection agency regarding this account. I called them and they advised me to contact XXXX which I did and they are claiming they didnt put it on my report and that my deposit covered the amount., but its still showing. I 've disputed it several times through the bureaus but it always comes back as " verified '' and not " validated ''
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| 10/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
|
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My XXXX cell phone was returned XX/XX/14 as mutually agreed and cell service canceled accordingly ( signed for by employee XXXX ). Two years later this account mysteriously and erroneously entered into collections. XXXX was experiencing backhaul / vendor problems affecting cell towers in home area. I was an XXXX XXXX and needed reliable service. XXXX agreed to waive early termination fee and liability so I could switch carriers ( See XXXX, Executive Analyst, attached email ). I only recently obtained my credit report and noticed XXXX placed this into collections. XXXX apprenlty never notified there billing dept nor update the system? I have spoken to XXXX and she remains very deceptive and lies continuously. They seem to be playing some kind of game. I believe there committing a FCRA violation, just need someone to advise me on how to best proceed. Greatly appreciate your time understanding and assistance.
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| 08/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was offered a settlement amout of {$700.00} on a bill in the amout of {$1000.00} from XXXX XXXX, phone numXXXX, which I paid on XX/XX/XXXX. I have called them on these dates:XX/XX/XXXX, spoke with XXXX XXXX,XX/XX/XXXX, spoke with XXXX XXXX/XX/XX/XXXX, spoke with XXXX XXXX & XXXX XXXX XX/XX/XXXX spoke with XXXX XXXXXX/XX/XXXX spike with XXXX XXXX, XXXX spoke with XXXX XXXX XXXX they have all told me that I will be receiving my receipt for my.settlement payment of {$700.00}. To date I have receuved nothing but a bill for the remaining balance from XXXX XXXX ( which was their client ), that was the bill I owed to XXXX XXXX. All I keep getting is the runaround every time I call. I have also called XXXX XXXX and again I am getting no where. I 've been told by Convergent that the letter has been expedited and emailed to me. Every time I call I am being told give it 7 more business days. Can you PLEASE help me.
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| 11/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX Convergent Outsourcing contact me regarding a XXXX XXXX account with an outstanding balance of {$1400.00} I told them is not my account. They told me to contact XXXX XXXX XXXX Department and file a claim. I file an identity theft report with my local authorities ( XXXX Police Department ) they also direct me to freeze my credit and file a report with federal trade commission. I file a claim with XXXX XXXX summit all my documents required. They have not reach out to me. I call the fraud department and they direct to talk with the collection agency ( Convergent ) they report this to all the credit agencies. My credit has been damaged significantly. I open a dispute with the credit agencies and XXXX is refusing to erase this out of my credit. I am following everything by the law and dont understand why XXXX XXXX not helping went this was not my account and never order nothing from this company.
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| 07/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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My husband and I each received a bill from XXXX XXXX XXXX for respectively {$650.00} and {$910.00} from more than 10 years ago ( and previous marriages ) that we had absolutely no knowledge of. When I called the collection company, Convergent, they gave us the dates for which these were due and the amount. According to XXXX XXXX XXXX they sent 3 letters to my husband and 5 to me. This is absolutely ludicrous! Especially since I know we both usually are in the habit of forwarding all of our mail to a new address when we move. I never received any such letter and neither did he. We currently have no outstanding debts and pay all of our current ones always and on time. Had we any knowledge of these we would definitely have made arrangements to pay.
In addition, the statute of limitation is definitely in effect. I want XXXX XXXX XXXX to eliminate these debts as they seem quite fraudulent after so long.
|
| 10/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Over five years after cancelling my XXXX cell phone account in 2013, due to a permanent move to another state, a collection appeared on my credit report stating I owe XXXX over {$2700.00}. At no time did I receive regular billing statements or notice of any account activity.
I called XXXX and they confirmed that I owed that amount but could not provide any details as to what the charges were for or exactly when accrued. They were at a loss as to how or why the account would have been allowed to grow to that amount without some kind of action on their side.
My account was paid in full when cancelled. Either this charge is fraud by a third party, fraudulent business practices by XXXX, or the failure of XXXX to properly close out my account. In any case, the charge is incorrect and I demand this debt be deleted and the collection removed from my credit reports. If not done so, legal action will be taken.
|
| 06/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
|
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About a week ago, I received a letter in the mail stating that I owe {$560.00} to XXXX from a collection agency by the name of Convergent. A year ago I had the same situation with a different agency stating the same thing and found out my mother had used my social security under false pretenses, and they got into contact with her and she did pay off the debt. The company did call me back to report this and now this company claims that it was not paid. I believe this to be a scam, as they are stating on the letter that they will settle for XXXX on the letter, but will need {$450.00} to be paid in full. Their is also to addresses on the letter, XXXX from XXXX, XXXX XXXX and then a P.O. box of XXXX, XXXX XXXX. I am a XXXX of XXXX and this is causing me emotional distress, since this was settle last year and the account was shut down and they have complete access to her. Please contact me as soon as possible.
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| 06/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted Convergent Outsourcing multiple times demanding any and all documents, bearing my wet signature, showing that I have a legally binding/contractual obligation to pay Convergent Outsourcing {$770.00}, the payment history, and a breakdown of the bill in question, specifically naming the above company as a person/company entitled to enforce a commercial claim against me ... and my legal demands have went unanswered. I do not know this company. I have no business with this company. I do not owe this company any money. This company has falsely reported information to XXXX, XXXX, and XXXX which has resulted in defamation of my character. Furthermore, this company has created a deceptive image that gives potential & future creditors/employees the illusion that I am in debt or that I am liable for the alleged debt mentioned above. Any computer generated bill such as an XXXX bill is unacceptable.
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| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I signed up for a XXXX 'hotspot ' for my business. After a few months I attempted to cancel the service ; however, despite confirmation via phone, the service was not cancelled and I continued to receive bills. Then, via XXXX 's chat feature online, I cancelled again. This time the service was cancelled ; however, I continued to receive bills. I contacted XXXX again via chat to confirm there was no outstanding balance and that the account was closed. This was confirmed, but I continued to receive bills. Finally, I received a letter from a collections agency ( Convergent ) attempting to collect the alleged outstanding balance. I contacted XXXX XXXX more times and they confirmed the debt was not correct ; however, I continue to receive bills. I contacted Convergent and forwarded them my correspondence with XXXX to prove I don't owe anything, but they never responded. Please help me resolve this. Thank you
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| 06/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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on XX/XX/2018 i received notification from XXXX and XXXX that there is a collection on my credit, when i checked i noticed a collection charge from XXXX XXXX. This company has placed a charge of {$60.00} that XXXX XXXX has purchased looks like from XXXX XXXX.And has caused my score to dip due to this false statement by XXXX XXXX, i have no contracts what so ever with XXXX XXXX i called XXXX and they can't even see that i am a customer because i have no accounts with XXXX. This is fraud by XXXX XXXXg as i checked the internet many have reported scams originating in this manner from XXXX XXXX. They conveniently have placed a fraudulent charge and refuse to validate the debt because i don't have any contracts with XXXX. I expect XXXX to have XXXX XXXX remove this fraudulent charge ASAP wihtout delay i am hereby giving them 30 days if not removed law suit against XXXX XXXX and XXXX XXXX will be initiated.
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| 01/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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On XXXX/XXXX/XXXX, a phone call was received by the company for debt collection. Since I 've not received notification from any party that a personal balance was past-due, it was ignored. I checked my credit report and this company placed a soft inquiry on the same date and they were contacted by e-mail for assistance ( ID XXXX ). On XXXX, I called twice and someone hung up without saying anything. On XXXX, debt validation was requested ( ID XXXX ) and received by mail on XXXX. They are attempting to collect on a debt from XXXX which was settled after evidence was provided to XXXX and a collections agency at that time ( XXXX or something similar ) as an XXXX buyer committed fraud. According to the letter, the debt was placed with Convergent on XXXX. No written or electronic communication was received by XXXX or any collections agency for more than a decade and there 's nothing I can do about this debt.
|
| 03/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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Received a letter informing us my husband was lucky, that XXXX XXXX was willing to accept a greatly reduced amount of money in order to cancel a loan. We wrote informing them there was never such a loan ... wrong party. Today we received a letter wanting everything from social security numbers, drivers license numbers, etc.and to have this informative letter notarized. I called XXXX XXXX ... they have no loan as described by the letter. The company sending the letter is Convergent Outsourcing, Inc.XXXX XXXX, XXXX, XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, Wa. XXXX ... The loan is to be for {$3000.00} ...
At this point, having made several inquiries, we are suspicious this is not a legitimate investigation. We are unwilling to release our personal and private information, such as social security numbers, drivers license numbers, etc to this company. Any advice would be greatly appreciated.
|
| 09/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Between the months of XXXX through XXXX, I have been back and forth with each of the credit bureaus and the collection company concerning a collection debt that is being reported. Each time I disputed this debt it came back verified, however, each time that I 've requested validation and/or verification they have failed to do so. On two different occasions I 've received letters from the collection agency asking me submit documents. This has become a hassle because I 've been disputing for months and yet they have failed to submit the necessary documents for me to move forward. Please see the attached documents that I 've received from Convergent Outsourcing. One document even alleged that this was fraud, all I 've asked for was proof that this alleged debt in fact belong to me and they are able to collect on it. Which they have failed to do. Also, my name and home address are listed on the documents.
|
| 12/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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There was a delinquent XXXX debt purchased by Convergent Outsourcing. I reached out to Convergent Outsourcing via email to pay the debt, but there was no response. I subsequently reached out to XXXX to pay the debt. Prior to payment, I asked if XXXX would terminate their assignment of collection authority to the reporting debt collector ( Convergent Outsourcing ). They said they would, as soon as I paid in full.
I paid the full amount on XXXX XXXX, 2022. XXXX week later, my credit report stated that I paid Convergent Outsourcing- the account was paid to XXXX, not Convergent Outsourcing ; therefore, the information reporting is inaccurate.
Moreover, per XXXX, the debt was " recalled '' ( technically, terminated the assignment of collection authority.
Today, I spoke with a representative of Convergent Outsourcing ; they refuse to honor any termination and will not remove the inaccurate reporting.
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| 06/26/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
I have been dealing with XXXX XXXX for several months now on this issue of early termination fee. I originally had a balance of {$360.00} with them in XXXX of which I paid XXXX to in XXXX. On XX/XX/XXXX I made a payment of {$100.00} and again they said that was fine and no we will not send to collections due to the COVID and they were told it should be paid off at the end of the month of XXXX if not sooner since I am working again. They sent my debt to collections even after 2 managers and a fraud specialist reassured me they would not. The day they sent it to collections according to XXXX was XX/XX/XXXX. The debt reported was XXXX in which that is also false. It is only {$200.00}. Please can you help me with how I should proceed. The company has deceived me entirely on this matter and was less then helpful. When I call the collection company nobody answers.
CONVERGENT OUTSOURCING ( XXXX XXXX XXXX.
|
| 01/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Convergent Outsourcing is trying to collect a debt for XXXX on an account I had in XXXX. The bill I owed when I relocated to XXXX was {$25.00}. I received a bill in the mail today stating that I owed the creditor {$790.00} with an offer to settle the debt for {$470.00}. I knew that this was wrong and I contacted them and they told me that I only owed the said {$25.00}. I advised that I would pay this bill but requested a document/bill stating that was the amount owed. I had researched this company and it seems that they do this more frequently than I realized. Attempting to collect a higher amount, and if you disregard they will ruin your credit. This needs to be addressed I feel since it can be considered fraud (?? ) possibly?? Or as I felt when I received this bill harassed. I have the account number and document and written documentation of my conversation with Convergent this evening. Thank you.
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| 04/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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My personal information got leaked in the XXXX data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, and they intern reached out to the companies that were showing up on my credit report. At first all of the items were removed from my credit report and then about a week later all items begin to appear on my credit report again, but the amounts were different and it appear to have different account numbers which is fraudulent these companies have never reached out to me in reference to any of these accounts Nor have these companies sent anything to me validating that these debts actually belong to me. These companies are putting these negative marks on my credit report without my permission authorization, knowledge or consent from I was never even notified I learned of these things through my credit report.
|
| 05/20/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
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|
Web |
|
|
A Checking account and 2 separate Savings accounts were opened in my name at XXXXXXXX XXXX, my social security number was used, but not my full legal name, and false addresses were created .This all occurred between XXXX and XXXXThe person or persons then deposited checks that were not good, but before this was found out by XXXX XXXX, they made multiple ATM withdrawals, agai st one of the Savings accounts, which resulted in a {$3200.00} debt owed to XXXX XXXX In addition, a NOW card from XXXX was activated under my name. I was unaware of any of this until contacted by a collection agency Convergent. I have now worked with XXXXXXXX XXXX and completed a Fraud Report with their collections department and an Idenity Theft Kit and provided proof of my real identity and address at a local bank site with XXXX XXXX a Branch Manager, who guided me to report this Fraudulent act and Idenity Theft to the FTC.
|
| 02/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call multi times a day. I have already requested the information on said debt be mailed to me as I have NEVER received a single bill for this debt since I stopped service with said company they are collecting on. And the account was closed two years ago. I have n't heard a thing or ever got a final bill from company. And all a sudden they want my FULL social and address and all that. I told them once to send me mail on behave of the company before I would talk anything about the debt as I want to protect my identity. They refused, and are now calling me everyday and if I do n't speak to them they will keep calling like 5 times a day. On top of that they call using ant automatic system that tells me to wait on the next avaible rep as if I called them. I 'm sorry but if they gon na call me they need to speak with me directly not make me wait on hold for them! That 's rude and illegal at that!
|
| 12/30/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
A company kept calling me in regards to a friends debt. They said there was a case being filed against him. Therefore, they were disclosing that he had a debt. Also, they kept saying that he was legally served on my voicemail. Which was a lie. In addition when I called back to tell them to stop calling and harassing me, they did not disclose they were on a recorded line. When I told them the number they provided was not a legal case number they said it was.
The agent was very nasty to me. I told her that I wanted the name of her company and she would not give me the full name. I told her they were violating the FDCPA and was going to enter a complaint. I have kept the voicemails as well.
I work in litigation as well for debt. This was very disappointing to me and this is the type of agency that gives all of us a bad reputation.
The company called me from XXXX and told me to call back XXXX
|
| 11/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I sent out a letter to XXXX XXXX XXXX on XX/XX/XXXX about a XXXX cell phone balance, to validate the debt they claim I owe with any formal agreement or contracts or to remove this debt off my credit report. They have been reporting to my credit report for years that I owe {$350.00}. I have NEVER had a XXXX as my phone carrier service. On XX/XX/XXXX I got a letter back from them sending a bill of the amount owed. But again I never had any service with them. And a bill does not validate or truly verified I owed them. They refuse to send any agreement or contracts. And I ask them to stop reporting if they cant send me a contract or some kind of agreement. Someone had to had this cell phone in my name. After research I was told I can file a complaint. I just want this to be remove off my report because it is unfair to have something negatively reporting on your credit that you have no knowledge of.
|
| 01/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
T-mobile says I owe them XXXX. As of XXXX XXXX. How can they say that. In oder for me to keep the Device you must pay both Device and bill. I did that in early XX/XX/2021. Bye the middle of XXXX i was with new XXXX and still Im. I asked XXXX why are you sending me the bill, the ask me for my personal information I said no you should know all my information your the ones sending me mail.you have all that. Twice they said they couldnt find out why this was happening. Now its in Collections Agency. One told me I would have to go in person with my I.D . Are they crazy. I have a XXXX. Plus location place people are very rude .Customers like me walking in for help we get sent back to calling customer service. This is ridiculous Ive had it with these people treating you like garbage. They want XXXX dollars from me this is false accusations. When they have billions and trillions of dollars .Thank you.
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| 06/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. XXXX put a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is CONVERGENT OUTSOURCING. I've never had an account with this company. The original creditor is XXXX and I have discussed payment plans. The balance I have with XXXX is not even the correct balance that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes CONVERGENT OUTSOURCING as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information please remove this permanently from my credit report.
|
| 07/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Over the last several weeks I have received dozens of calls from XXXX, and today the representative from Convergent Outsourcing advised me that they 'd only stop calling if I would provide them the last XXXX digits of my social security number to confirm that I was not their collection target. I ended up providing the information, and they confirmed that I was not the individual they wanted but further told such mistakes " happen. '' I felt as if I were extorted into providing my personal information in order to stop the bothersome calls. It appears as if the business model of Convergent Outsourcing is to call all people with the same, and then by process of elimination hope to eventually find their intended target regardless of how many innocent folks are annoyed with repeated calls in the meantime. This is shameful, and I hope that you can do something about this seemingly abusive practice.
|
| 01/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I received yet another notice from Convergent saying I owe over {$1600.00} to XXXX network. I received XXXX the day before saying the same thing about XXXX. I have the following issues.
1. I called Convergent today to see what they could tell me, which was absolutely nothing. I asked for details, and the phone was conveniently disconnected. I called back, and was on hold for over an hour, and still did not get anything.
2. This debt was not me. They did n't even spell my name correctly.
3. The notice had no option to verify debt, and when I asked them to, they wanted my social security number, which I 'm not going to voluntarily give without some form of verification of debt.
4.This debt is waaayyyy past the statue of limitations to collect a debt in Michigan, which is 6 years. Considering I 've lived out of state for the past XXXX, nobody has a right to even try to collect this debt.
|
| 04/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
On today 's date, XXXX XXXX XXXX, I received a letter attempting to collect a debt. Upon receipt of this information I contacted the original creditor, XXXX, and confirmed with one of their supervisors, XXXX, that I do not currently and have not ever had an account with them sent to collections. This was verified with my social secuirty number. I then contacted the collection company, Convergent outsourcing inc., and spoke with supervisor XXXX XXXX ( sp? ) Who stayed that the debt was from an account during the period of XXXX XXXX - XXXX XXXX. At that time I had my service with XXXX XXXX XXXX and therefore the debt if false and illegal. The supervisor insisted that the original creditor would have no access to verify if I had the account or not. I told her that I dispute the account. This is a violation of the FDCPA ( Fair Debt Collection Practices Act ) and illegal representation of a debt.
|
| 12/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter at my home for an alleged debt owed to XXXX from 2004. I do not owe XXXX any money from 2004. I am currently a XXXX customer. They acknowledge in the letter that if I had owed the money ( which I never did ) that the statute of limitations has run as the alleged debt is very old. Convergent Outsourcing states that if I were to acknowledge this false debt they could then sue me, and if the false debt is not acknowledged they will report this false debt to the Credit Reporting Agencies. I will respond to them via certified letter but wanted you to know about these erroneous false debt collection practices and their duplicity. I have no idea what they are talking about, I have an 800+ credit score. These people are crooks trying to take advantage of people. It concerns me that they are trying to pass off some numbers as my former account number that I have no way to verify.
|
| 01/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ).
The company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original binding contract that I agreed to, which I am well within my rights to request.
It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.
|
| 07/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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This company - XXXX XXXX - has repeatedly called me from phone # XXXX, despite my telling them that my employer has a policy prohibiting personal calls. In addition, they not only call my direct line, but they press 0 to get transferred to the operator, then ask to be transferred back to me. The operator will always ask who is calling, so the name of their company is disclosed. They also never leave a message on my voice mail, requesting to be called back, they simply repeatedly call and call. I have also visited their website and submitted two separate DO NOT CALL forms, asking them to stop calling me, with no success. Called me at work : X/XX/17 @ XXXX XXXX & XXXX XXXX -- at XXXX I asked them not to contact me at work X/XX/17 @ XXXX XXXX X/XX/17 @ XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/17 @ XXXX XXXX X/XX/17 @ XXXX XXXX - asked them to no longer contact me at all X/X/17 @ XXXX XXXX
|
| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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On XX/XX/XXXX a letter was sent to Convergent Outsourcing to verify a debt report to the credit bureau. On XX/XX/XXXX a letter response was received from Convergent Outsourcing claiming the debt was validated and attached was bill.
On XX/XX/XXXX, I replied back to Convergent Outsourcing that as per FTC opinion letter from attorney XXXX XXXX XXXX, A print out of a bill or itemized document does not constitute verification.
After more than 30 days there was no response.
On XX/XX/XXXX, I sent a letter to convergent outsourcing a notice of their violation of Fair Credit Reporting Act 623 ( a ) ( 3 ) by not responding within 30 days of receiving my dispute.
At this time I have exhausted all of my good will attempts and will be seeking a minimum of {$1000.00} in damages per violation for Defamation, Neglect of Fair Debt Collection Practices Act ( including but not limited to section 807-8 )
|
| 11/18/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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After reviewing my XXXX, and XXXX credit report 's I noticed a collection account being reported by a company called convergent outsourcing inc . I have no recollection of ever having an account with the company in question. After searching all of my files and records I was not able to find any records or documents connecting me with the company.
On XX/XX/XXXX I reached out to the company per certified mail requesting documentation that would show proof that I did indeed owed the allege debt. The company responded by mail on XX/XX/XXXX by mail with XXXX different bills one for {$440.00} dated XX/XX/XXXX and one for {$180.00} dated XX/XX/XXXX and the other only ten days apart for {$340.00} dated XX/XX/XXXX. The company has several late and extra fees listed on the documents that were sent. I am reaching out for help to have this negative inaccurate account removed from my credit profile.
|
| 10/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing, Inc. is a collection agency based out of XXXX, Washington. I have received multiple letters from Convergent whos creditor is XXXX XXXX XXXX XXXX The collection letter states that I owe a balance of {$3900.00} and that payment must be received in ( 60 ) days of the date of the letter. The attached letter is dated XXXX. The letter goes on to say that if I pay this collection, the client will cease further collection efforts. This is a scam and a completely unsubstantiated collection. I have not now, nor in the past, used XXXX. I do not have a XXXX account. This attempt to collect a debt I do not owe could cause serious issues with my credit reporting. I have contacted Convergent to resolve this matter however, I have not been successful. I respectfully request that an inquiry into Convergent be launched and any collection proceeding against me be stopped immediately.
|
| 11/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XX/XX/19 received a collections notice from " XXXX XXXX '' in XXXX, WA, for a XXXX debt.
We have never had XXXX and have never opened an account for someone else under my name for XXXX.
I called XXXX XXXX. They seemed courteous, told me they put the " account in dispute '', and that I should be sure to call XXXX also. They also said they would transfer me to " the department that will take care of that '' at XXXX.
I waited on hold for a few minutes and was apparently connected to XXXX. When " XXXX '' picked up, I explained my situation ( the above details ) and the line was disconnected.
So, I called XXXX and went through 4 people to finally get someone to put this bill in dispute.
I looked up " XXXX XXXX XXXX '' online and ran across others who have similar experiences with a very official looking collections notice.
Thank you for doing what you can to shut these people down.
|
| 03/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a call, answered and then was hung up on. On calling back, the company has no opening automation of the company name nor intent.
Upon speaking to the representative XXXX and her asking if I was XXXX XXXX, I asked who was calling, she says XXXX. I clearly meant the company she represented, upon telling me Convergent I asked her what that company was.
I hang up, look it up, call back, and ask why I did not receive a mini Miranda I.e. This is a debt collector attempting to collect a debt and any information may be used for that purpose.
I asked if she was a debt collector attempting to collect a debt which she refused to answer, by repeatedly asking me back if I was XXXX XXXX.
I know nothing of the debt or the company but the deceptive tactics and violation of the Fair Debt Collection Practices Act ( by refusing to state they were a debt collector ) is why I am reporting.
|
| 02/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I sent a certified letter back in XX/XX/XXXX requesting for information about this debt that they said they I owe never got a response back but someone indeed receive the letter. I called today to try to work something out however got the phone imaging up in my face five times before finally speaking to someone and the woman that I spoke to was very rude and unprofessional and she was not willing to work with me or understand my situation. I explained to her I am currently unemployed. I lost everything back in XXXX and now Im trying to get everything in order for myself and now due to COVID 19 its a lot harder for me to do those things. I am currently not working and its hard enough as is to try to get things together for myself and children. The amounts she gave me to pay was high and when I asked to speak to a supervisor or manager she refused me and told me those were my only options.
|
| 03/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I learned that there was a new collection account on all three of my credit reports from Convergent Outsourcing with an open date of XX/XX/XXXX, amount of {$910.00}. The original creditor was XXXX XXXX. This can not be mine as XXXX XXXX does not service my local area in Illinois. I have never received any type of communication from either XXXX XXXX nor Convergent before this was added to my credit report, which violates Federal Laws, and still have not received any communication from them to this date.
Also, I have had other collection agencies try to collect a very similar debt in the past which has always been deleted from my credit reports. If this is the same debt, Convergent has violated the Fair Debt Collection ( FDCPA ) and FRCA laws as this is Debt Parking.
Because of this, I was unable to obtain a mortgage in XXXX of XXXX, that I put an offer on. I am very upset about this.
|
| 06/11/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
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On XXXX I received a notification from XXXX XXXX that I had {$210.00} of debt sent to the collection agency by XXXX XXXX I had close my account and open my XXXX XXXX XXXX account XX/XX/XXXX. When I logged into my XXXX, now XXXX account, It says I have 0 devices with this company and I do not have any open accounts with this company. I took screenshots for proof but this is my first and only derogatory mark on my credit and I have nothing to do with XXXX. This has affected my credit and my hopes to move into a new apartment with the little credit I have. I have contacted XXXX and they have not offered me any help other than debt collectors number. The debt collector, convergent outsourcing, has been harassing me with calls everyday multiple times a day and I cant get any help. I am a fresh graduate of XXXX XXXX and I really need help with getting this debt off of my account. Thank you.
|
| 09/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello XXXX, I was a customer of XXXX for numbers XXXX and XXXX from XXXX till XXXX and I moved cellular providers to XXXX XXXX on XX/XX/XXXX for which I have an email from both XXXX confirming my new XXXX and an email from XXXX confirming that my plan was cancelled.
XXXX repeatedly charged me from XXXX to XXXX for an amount of {$600.00} when i was not using their services. I have had multiple phone calls with XXXX and a case logged where they told me the issue would be resolved.
The next thing i received is a collection bill from XXXX which is now reported to a collection agency and has already hit my credit report as a delinquency. I am in the process of buying a house and this is now impacting my ability to be a homeowner.
I am attaching as evidence an email from XXXX dated XXXX XX/XX/XXXX that shows in the body of the email in Bold letters : XXXX Confirmation : Plan Cancelled
|
| 09/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft and upon reviewing my credit file I have become aware of an account held by XXXX XXXX that is a direct result of identity theft. I have never had any dealings with Convergent or the company XXXX that they represent. An amount of {$1300.00} that is listed on my account does not belong to me it is fraud. I have contacted Convergent credit regarding the account IN THE AMOUNT OF {$1300.00}, 4 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with convergent or XXXX whom they represent. This account is a result of identity theft.
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX. I like to file a complaint against this collection agency for trying to collect a fraudulent debt that does not belong to me. This collection debt is listed on my credit report and this company continuously report this debt, even after I have filed a dispute with the credit bureaus about this. I have attached an Identity Theft Report with this complaint. I have never had or applied for service with XXXX with whom is listed by the collection company upon my credit report. I want this fraudulent collection removed from my credit report immediately. I am a litigious consumer. Under Federal Statue and specific remedies include : The Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 8 ), and 1692f ( 1 ) imposing liability on third party debt collectors and debt buyers for reporting false credit information and collecting amounts not agreed to by the consumer.
|
| 04/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed a collection account on my credit report from XXXX XXXX ( collection agency for XXXX XXXX ) 'date open ' : XX/XX/XXXX. I disputed with the credit bureaus requesting validation. The account came back as being " valid ''. I responded to the credit bureaus by letting them know in plain words that it is physically impossible for there to be an account opened in XX/XX/XXXX as the apartment complex I live in is not contracted with XXXX XXXX. ( I have been in the apartment since XX/XX/XXXX ) At the same time as I responded to the credit bureaus, I sent the collection agency, Convergent, a letter requesting validation of the debt. They responded stating, " This debt is valid, attached is verification of the debt. '' Attached was a screenshot from what appears to be a computer system.
A contract was not included. There is nothing showing a breakdown of the amount that is owed.
|
| 02/15/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
ON XX/XX/XXXX I RECEIVED AN ALERT STATING CONVERGENT OUTSOURCING ADDED A COLLECTION TO MY CREDIT REPORT FOR XXXX. I SPOKE TO XXXX AND XXXX AT XXXX. BOTH STATED THAT THEY RECEIVED THIS ACCOUNT XX/XX/XXXX FROM THE ORIGINAL CREDITOR XXXX XXXX XXXX. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. THIS ACCOUNT WAS REMOVED FROM MY CREDIT REPORT BY ORIGINAL CREDITOR XXXX XXXX IN XXXX AFTER CREDIT REPORTING TIME OF 7 YEARS FROM 1ST DATE OF DELINQUENCY XX/XX/XXXX PASSED. I NEVER RECEIVED ANY CORRESPONDENCE FROM THIS COMPANY PRIOR TO THIS ACCOUNT BEING ADDED TO MY CREDIT REPORT. THE DATE OF DEFAULT XXXX TOLD ME OF XX/XX/XXXX IS DIFFERENT FROM WHAT IS BEING REPORTED TO THE CREDIT BUREAU OF XX/XX/XXXX. THIS ACCOUNT IS BEYOND STATUE OF LIMITATION IN MICHIGAN OF 6 YEARS AND CREDIT REPORTING TIME OF 7 YEARS. ALSO CONVERGENT OUTSOURCING INC IS NOT LICENSED TO COLLECT IN THE STATE OF MICHIGAN.
|
| 04/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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IN THE PROCESS OF FIXING MY CREDIT I SAW I HAD A DEBT FROM XXXX WHICH WAS {$550.00}. ON XXXX REACH OUT TO THE COMPANY WHO'S NAME WAS ON THE REPORT WHICH WAS ( CONVERGENT OUTSOURCING ) SPOKE WITH SOMEONE WHO TOLD ME I COULD PAY A SETTLEMENT PRICE OF {$200.00} DOLLARS IN WHICH I DID BY GIVING MY CARD NUMBER OVER THE PHONE. I ASKED WHEN WOULD I RECEIVE A LETTER SAYING I PAID THIS BALANCE AND ALSO A REFLECTION ON MY CREDIT REPORT. I WAS TOLD IT WOULD TAKE 24-74 HOURS TO SHOW ON THERE SYSTEM AND 3-5 BUSINESS DAYS FOR A EMAIL TO COME SHOWING I SETTLED THE DEBT AND MY CREDIT REPORT TO BE UPDATED. I HAVE CALLED SEVERAL TIMES STATING I NEVER RECEIVED A EMAIL AND THE PAYMENT WAS TAKEN OUT MY ACCOUNT AND IM STILL TOLD ITS SHOWING ITS ON THE WAY. ITS XXXX STILL NO EMAIL ITS STILL ON THE WAY AND MY BALANCE STILL SHOWS A BALANCE OF XXXX BUT THEY SAYING ON THERE SYSTEM ITS SHOWS PAID IN FULL.
|
| 03/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
*** Missed portion of the initial complaint*** The company failed to address them illegally collecting in the state of Texas . Texas Surety bond information as required by Sec. XXXX. I attached a filed complaint with the Texas Attorney 's General office and a copy of them not have a valid and open surety bond. This company is in violation of Texas law and I demand for this to be removed from all 3 credit bureaus. So apparently, they did not read my complaint in its entirety. Per this requirement you must delete this trade line.
And you somehow just wanted to close the previous complaint without them specifically addressing all my concerns. Sending me the validation was only part of it. How are they allowed to illegally collect in the state of Texas which is why I filed a complaint with the Texas Attorney Generals office, which is attached. All their surety bonds are closed.
|
| 07/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed an account with the credit reporting agencies about an account I see on my credit report. they claimed the account was verified and when asked how it was verified the credit bureau said " we take their word for it '' complete disbelief when I heard this. so I contacted the collection agency ( XXXX XXXX XXXX ) my self and asked for physical proof the account was mine. a contract with my signature on it, photo id used to show proof that I was me opening the account and any other identifying information used to show it was actually me. the lady claimed they don't need that nowadays to open an account. so I asked did she not find nothing wrong with that? she said that's how they do it nowadays. that's also how identity theft occurs. nobody wants to get or see physical proof of the person who is wanting to obtain goods, they just let anybody use anybody 's information.
|
| 09/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I purchased a XXXX from the retailer staples in XXXX New Hampshire to use on XXXX XXXX XXXX XXXX XXXX 2016, the device was returned 4 days later to the same retailer, also same clerk that completed original purchase, with this retailer and XXXX you get 10 days to try the service and device no obligation, XXXX XXXX unable to figure out how to release me from this debt that I do not owe them they claim its XXXX I 've called them 4 times since XXXX XXXX 2016 to try to fix this also contacted the retailer staples and talked to the store manager and clerk involved. They are all stating that the device was returned within the time limits. Now it 's XXXX XXXX and the account has been passed onto a collection agency named convergent, also XXXX wireless has tapped my credit report, stating collections as the reason. I fear for my good credit report that took a lot of work to maintain.
|
| 11/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I signed up for XXXX XXXX XXXX internet in XXXX. Agreement was if you cancel and return equipment in the first 30 days there would not be a charged. I cancelled and returned equipment in the 30 day time frame. They have sent me a debt collection through convergent outsourcing debt collection on XX/XX/XXXX. I attempted to contact XXXX customer service and the XXXX home internet department is impossible to get in contact with and they send you back to main menu when you do talk to someone. They are falsely billing me and using illegal tactics to try to make me pay money I do not owe. They have also been sending me bills for {$250.00} that I do not owe In the month of XXXX and XXXX. They are purposely making to where you can not contact them so they can bill me. I do not owe this debt and I disputed it online with convergent outsourcing and sent a dispute by mail on XX/XX/2022.
|
| 05/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONVERGENT OUTSOURCING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.
|
| 11/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was notified that this debt existed with Convergent through me accessing my credit file to discover there was a collection item in the amount of {$340.00}. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and Convergent both assured me that if I paid the debt it would be removed from my credit file. I immediately paid the debt in full only to have the debt not removed but updated on my file to a new date which actually hurt my credit score even more. I have called Convergent several times to no avail as well as XXXX who only refers me back to Convergent as they are the ones that reported the negative item on my credit report.
|
| 11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.
I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
|
| 10/25/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Acct # : XXXX XXXX # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 07/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Upon checking my credit report via credit karma, I observed a collections/charge off being reported on XX/XX/2023, for a XXXX XXXX XXXX XXXX account said to have been opened on XXXX XXXX. This is showing an owed balance of {$3000.00}. I was recently the victim of identity theft and had other fraudulent charges appear on my credit report from other retailers as well. I never signed or entered into any contract/agreement with XXXX XXXX XXXX XXXX. I never received any itemized billing statements from XXXX, nor have they made any attempt to verify this account or the charges stated. This account and any charges incurred were done fraudulently and without my knowledge.
Convergent Outsourcing , Inc is now contacting me in an attempt to collect a debt from me on charges that were incurred without my consent or knowledge. These are fraudulent charges that I am not liable for.
|
| 09/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX of XXXX I had XXXX net work installed. I was told XXXX XXXX would install my internet. When XXXX XXXX came to install it, they said I needed to have phone line installed and to call them. He gave his business card so I could call him/ So I did. Then XXXX XXXX was charging me for the installment. Calls to XXXX XXXX and XXXX XXXX billing manager ( 3 way calls ) did not solve the issue.
Then XXXX XXXX turned the bill over to Convergent, a collection agency. I answered their letter but it was rejected for not enough information and sent to the credit bureaus.
The bill started as {$260.00} and now is {$370.00}.
I have talked to XXXX XXXX billing, a XXXX ID # XXXX. This is the following information XXXX gave to me. Disconnect order # XXXX, XXXX XXXX, XXXX
my acct # with XXXX XXXX is XXXX.
I need this item corrected on my credit bureau reports. All 3 credit bureaus.
|
| 06/13/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised XXXX XXXX XXXX about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now XXXX years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired.
|
| 12/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have seen this debt on my credit report for XXXX dollars. I mailed in a letter attached below asking for the debt to be validated. All I received was a paper stating the debt is valid and a XXXX papers with my name on it. No signature from me what so ever for 3 phone lines. None of the information I asked for was provided asking me to validate the debt. On the paper they sent me it says 0 minutes 0 texts and 0 data used on this mysterious phone account. Very confused and would like this removed from my credit report. I know they can not provide the necessary information for this debt to be validated which is already proven in the letter I sent and, the information I received back. Please read letter sent in attachments, please help me get this issue resolved. Very quick to put something on your credit report but when they are wrong its almost impossible to take off.
|
| 06/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I had a XXXX account that went to collections approximately 4 years ago which was included in a Chapter XXXX Bankruptcy that was subsequently discharged. I had my credit run the other day and noticed the prior collection agency " Sold '' my account to " Convergent Outsourcing ''. This company reported the discharged debt as a " NEW COLLECTION ''. I was NEVER notified regarding the debt either. I happen to have my credit checked and discovered this disturbing reporting. I know that it is illegal for a Collection agency to report to credit bureaus as a " NEW '' debt. I also checked the report at the recent inquiries and their information was NOT there either!
I am requesting this be completely removed from ALL XXXX of the credit bureaus. This is a violation of my rights and violates the FCRA as well, not to mention this has affected my personal credit in a negative way.
|
| 04/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX I was contacted by a credit agency stated that I had owed an account by XXXX and it was proceeding to a court date as I will be sued for non payment. I paid the full amount of {$1400.00} to the by my credit court thinking that I was in trouble with court obligations. I received all documents of the payment and statement provided by them but what I found odd was that my signature was not proper on the line. I then reported the possible scam to my credit card company but they didnt refund the amount. I received a letter on XX/XX/XXXX by another creditor called convergent saying I owed {$240.00}. I called them to let them know I already paid way over the amount due but they stated that they never received payment and that the company I paid wasnt their company. My bank refuses to refund the payment so iam filing a possible scam as pictures can be provided.
|
| 09/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection account from Convergent Outsourcing Inc and I requested.a validation of the account letter, Convergent responded with account summary and order statements from XXXX.
After analyzing the items order statements, I discovered that the address, which XXXX claim to have shipped the items and the date does not match up.
The address is : XXXX XXXX XXXX XXXX, VA XXXX According to the items order statements, items ordered at various date though all in the year XXXX and shipped to the above post office box.
To my records, the post office box was opened on XX/XX/XXXX. So, there is no way items could have been sent to the post office while I didn't have the PO BOX yet.
I asked Convergent Outsourcing to provide more information on the debt they are attempting to collect but I received the same documents and with letter stating the account is valid.
|
| 03/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I am getting collection letters from Convergent Outsourcing ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, WA. XXXX ). It is for a energy bill {$460.00} for XXXX XXXX company in Texas. I have lived in California for the last 27 yrs I have never lived in Texas or owed any property in Texas. I have no relatives that live in Texas.
I can prove my husband and I have had XXXX XXXX XXXX for the past 27 yrs.
All of our utility bills are in my husbands name and always has been. Before living in Calif for the past 27 yrs we were in the XXXX XXXX again never lived in Texas. I do not believe my id has been stolen because this is the only problem I have ever had. Last yr I wrote to the credit agency that had Convergent on my credit report to say this is not my debt I thought it was cleared up did not hear from Convergent until 3 weeks ago wanting me to pay again.
|
| 09/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX of 2016 I moved out of my apartment and across town to another complex With the move I signed up with a new electricity provider and called to cancel my service with XXXX XXXX XXXX. The following month I was charged for another month of service from XXXX XXXX at the old address and when I called them to ask about it they told me they did not disconnect the power and my best option was to put a stop payment on the extra month. I did so and now a debt of {$200.00} is with the collection agency Convergent Outsourcing Inc. I have tried explaining my position and even settling the debt to clear my credit report to no avail. I have never missed a payment on anything and before this incident my credit score was nearing 800. I wish I had documentation to help my argument but I was just a XXXX college kid at the time and didn't think my credit would get ruined by this.
|
| 05/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hi I have a collection for Convergent Collection # XXXX for {$2300.00} I live in Florida and they are not license here I don't recognize the bill they are trying to collect so I did a dispute on XX/XX/23.
Convergent sent me got a copy of a bill from XXXX.
I sent them this letter on XX/XX/23 ( without any response ) " The bill you provided does not match my name, my name is XXXX XXXX XXXX.
The bill you provided is not proof that you ( Convergent ) owe this debt and therefore no evidence that you have any rights to collect this debt.
Youre not license in Florida to collect a debt.
Your letter does not have a statement indicating that the consumer ( me ) has the right to dispute the debt within 30 days.
You have not provided with information on how to dispute the debt.
You have not provided any supporting documentation, such as a copy of the original contract. ''
|
| 01/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Convergent Outsourcing sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from XXXX XXXX in the amount of {$2400.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that It has been 4 years since the last payment was made to the disputed phone account. The statute of limitations under California law to collect this old debt is already in effect and Convergent Outsourcing should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " If you do not pay the debt, Convergent Outsourcing , Inc. may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting ''. I believe this kind of action is a violation of FDCPA.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : XXXX XXXX XXXX XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) account opened XX/XX/XXXX XXXX
|
| 05/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I told XXXX I couldn't pay my bill as the XXXX service did not work where I live. No Internet service at my lot I'm renting. Internet service provider took away service after many attempts to fix Internet issues. I called XXXX and finally got ahold of a guy that said he could help if I just PAID {$6.00} a month for 9 months. That's exactly what I did. The next thing I get is phone calls from Convergent wanting an early termination fee of over {$500.00}. If I can't pay my bill, how could they get over {$500.00} from me. I got calls from Convergent all the time, so I blocked them. Now I have a stain on my EXCELLENT CREDIT score and I want it removed. My score dropped XXXX points because of XXXX XXXX said they couldn't do that. I told them to read their notes. XXXX sent me a return box for their TV box for the house and I sent it back. That was a couple months ago.
|
| 12/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX drafted up and sent a letter on XX/XX/2021 stating that the federal violations that Convergent Outsourcing has violated in regards to an alleged debt. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( XXXX ) Infringed Upon a Consumers Right to Privacy.
Convergent Outsourcing did not have any permissible purpose as well as was provided written permission to do this, these are federal violations subject to a {$1000.00} fine in accordance with 15 USC 1681n - Civil liability for willful noncompliance.
After sending the letter I have not heard from Convergent Outsourcing regarding this issue.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/XXXX I was made aware that I had a delinquent account with sprint mobile in the amount of {$120.00} My account with XXXX was closed in the fall of XXXX. XXXX assessed additional charges and sent this bill to convergent outsourcing. I received no communications regarding the delinquent account from XXXX or convergent outsourcing. I was made aware of this situation as im in the process of purchasing my first home, and upon pulling my credit, convergent has reported this to multiple credit bureaus effectively dropping my credit score from Excellent to poor. I have since taken care of the debt owed, however, my credit is damaged to a point where I may not be able to finalize my mortgage on XX/XX/XXXX on the house I have under contract. This is unfair and unjust. I had not been made aware of this and am seeking justice to have this removed from my credit report
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is a fraudulent account. I do not have an account with Convergent Outsourcing. They have no authority to collect on this account. This matter has been taken care of with the original creditor. There is no contract open or account assigned to Convergent Outsourcing. This account is reporting fraudulently and needs to be removed from my credit file immediately. Sprint was paid directly and agreed on a recorded line to recall the debt and accept payment directly. Sprint informed me that paying Sprint directly for the full balance would terminate Convergent Outsourcings collection authority and this account would be removed from my credit file. I have submitted previous disputes stating this along with proof of payment directly to Sprint. Ive also sent a direct dispute to Sprint which they have not followed up on. This account needs to be removed immediately.
|
| 12/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Convergent Outsourcing has put a collection in the amount of {$2600.00} by XXXX. Please note this is not my account, I do not have and have not had XXXX I have not received any form of letter or notification from this company so I can prove or validate this company. I first found out about this account when I received a credit alert, which prompted me to freeze and lock my credit profile on an already extended credit alert that I added to all 3 of my credit profiles to avoid issues and misreporting information as such. I contacted this company on XX/XX/XXXX inquiring about this account and the representative appeared to not have no information for me or on me. But yet proceeded to ask me several questions to search for an account they put on my credit report that she could not find in her system. This account was fraudulent and bogusly put on my credit report.
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American, Servicemember |
|
This complaint is in reference to complaint # XXXX filed yesterday XX/XX/2023.
I apologize for a mistake that I made. I understand that you usually do not allow new material to be submitted to complaints ; that is not my intention. I am hoping that I can replace the wrong document with the right intended letter.
The attachement below " Convergent Dispute XXXX '' was somehow mixed up with a form letter for disputes that I used to use when I was a XXXX XXXX XXXX. When I realized the error, the only thing I could do is to try to correct the mistake by giving you the correct letter that consist of the same gist of the content in the above numbered complaint submitted yesterday. I understand if this letter will not be included. I hope that the correct documents submitted were able to convey clearly what is feel is a gross violation of consumer protection laws.
|
| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This debt appeared on my credit report. The company sent the debt to collections without my prior knowledge that I owed the debt. I reached out to the company in an attempt to resolve the issue. The company employees sent me through multiple channels over a period of a few months, none of which solved my issues. I attempted numerous times to dispute the inaccuracies through the appropriate credit bureau. Each time the dispute process was over, the company would add the debt to my credit report again, thus starting the origination date over. This prolongs the process of getting the debt removed. Furthermore, Ive reached out to the company to provide me the details of the account in order to prove the debt belongs to me, to which the company offers no response or they respond by telling me that Im not a current customer, they cant locate an account in my name.
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Cancelled XXXX 3 months ago. Today XX/XX/XXXX.
When I switched to XXXX XXXX the day after I called XXXX to get receipts and final bill.
My on line account was canceled so I could view my last billing cycle so I could be reimbursed on my expense from my employer. Nor would they tell life if owed anything for final payment.
They said they would send a hard copy for XX/XX/XXXX which was paid auto draft as had for many years. They never did.
Now they want multiple months after I cancelled.
Today I received a collections notice from a company called Convergent for {$580.00}.
The reason I cancelled is because had increased by well 50 % over two year period.
My new server is 50 % less with brand new phones.
I will not pay a dime more to XXXX. XXXX is a criminal organization.
I am concerned about credit being effected which is perfect at the moment.
|
| 02/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a notice of collection from a XXXX XXXX, and called to agency to dispute the validity of the debt. I advised the agency of the inaccurate information they were attempting to collect on. I advised the agency the information obtained from the creditor XXXX was invalid and to not report on my credit file until they could prove validity and accuracy of the information being collected. The debt collection agency never proved validity of the account to me either on the call nor in writing. XXXX XXXX has began to report and attempt to collect on an account that was verbally disputed. I contacted the creditor and was advised the agency - Convergent should not have reported anything to the credit bureaus due to arraignments set with XXXX. This agency is participating in unethical and unprofessional debt collection practices and is in violation of the FCRA.
|
| 08/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a message on XX/XX/2018 from my Aunt ( who has a private phone number ) and she said someone who didn't identify themselves called her looking for me and when she said who is calling they said they were calling from " XXXX '' and left a phone number for me to call them back. The number being XXXX. I recognized this number as it had called me on Tuesday, XX/XX/XXXX at XXXX XXXX. They did not leave a message. I looked up this phone number and it belongs to a company called Convergent. It is not a company that is listed on my credit report nor do I know what this is about. I did collections for 17 years and I believe they have violated the FDCPA as it states a collection agency can not call a relative if they have your phone number which they clearly do. And they keep calling my number. Also when they called my Aunt they did not identify themselves.
|
| 01/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I switched carriers since XXXX was not capable and did not had the resources to provide services to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX requested the final statement, yet. the company instead sent the balance to a collection agency which contacted me since before XXXX XXXX in violation of the Fair Debt Collection Practices Act. The company did not sent a final billing statement for charges, in violation of the XXXX XXXX Billing Act, and the debt collection agency never identified as such and made threats. The account was not even 30 days pending, the account was never refused to be paid, and was not paid on the moment of transferring the lines because the company was not capable of reproducing a billing statement.
I am asking the agency to assume jurisdiction and apply all punishable measures by law to the company and its debt collection agencies.
|
| 06/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX, XXXX and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this.
Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX.
XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX and XXXX. still nothing.
Fair collection and out - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.
|
| 05/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
There is a collection amount of {$250.00} on my Consumer Credit Report of which I have NO knowledge of its origins. The amount is reported twice from two different agencies with separate dates : 1st Report : XXXX XXXX Date Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) 2nd Report : XXXX XXXX Date Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) I am an XXXX XXXX ( XXXX XXXX ) service member and I was stationed in XXXX, XXXX when these erroneous account ( s ) were created. I did not have an account with either company during this time. This appears to be a fraudulent account. Prior to those dates I was forward XXXX in support of XXXX XXXX XXXX in the XXXX XXXX. So I can not comprehend how this is shown up on my credit report. Thank you in advance for your assistance with this matter.
|
| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A company named Convergent Outsourcing inc. Is attempting to collect a debt that i do not believe is mine for a company named XXXX XXXX XXXX Under the Fair Credit Reporting Act 15 US 1681a Section 3 ( e ), I have the right to request a proper consumer investigation which should include interviews of neighbors, friends, and associates who may have creditable knowledge of this assumed debt by the creditor. I sent a letter out by certified mail to the company requestion the proper investigation my tracking number is, XXXX. I request a full copy of the report which should include name, addresses, numbers what was asked what responses were and what the conclusion of the investigation was. If the investigation is unconclusive i request that both companies cease all efforts to collect and they remove any information that has been reported to the credit agencies.
|
| 04/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I received a letter in the mail today, XX/XX/2020 from Convergent Outsourcing , Inc. stating that " the records of XXXX XXXX show that your account has a past due balance of {$5500.00}.
Creditor : XXXX XXXX Client Account # : XXXX Convergent Account # : XXXX Reduced Balance Amount : {$2700.00} Total Balance : {$5500.00} Convergent Phone : XXXX The letter was sent to my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have never heard of XXXX XXXX. I don't have an account there and never have done any sort of business with them.
I have an outstanding credit record.
I have been a victim of credit fraud twice before. The CFPB kindly helped me clear my name and restore my credit record. I can't believe it is happening again! Please help!
Thank you in advance for your help. I look forward to your response, Sincerely, XXXX XXXX XXXX
|
| 05/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This complaint is in regards to a collection account appearing on my credit report from XXXX XXXX. This company has no legal right to report this " collection '' account on my reports because this account is still owned and serviced by XXXX, the original servicer. I have contacted XXXX and they have confirmed to me in writing that they still own and actively service this account and that I may payments directly to them. I have no contract with XXXX XXXX and so they are violating my rights and credit reporting laws by reporting a collection in their name to my credit report. This account still remains with XXXX and was not sold to Convergent as confirmed by XXXX themselves. I have attached a transcript of my conversation with a XXXX representative with them confirming as such.
This collection account should be deleted immediately from my credit report.
|
| 03/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received multiple letters from a company called XXXX XXXX , XXXX stating that I owe and outstanding balance of {$660.00} on behalf of XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX XXXX. The XXXX XXXX XXXX is located in XXXX XXXX, which I have never lived in, nor lived near. I have never opened an account with them in anyway ( savings, checking, credit, Auto ). I also ran a full credit check for all three credit systems and the supposed debt was not listed anywhere on the reports.
I have attempted to contact XXXX XXXX, XXXX multiple times over the course of two weeks and can never reach anyone there. I only get dropped to an unknown voicemail asking to leave a message. There are zero options to get to a real person to actually try and correct this issue.
All documentation has been held and is available for full disclosure if needed.
|
| 09/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX contacted me by mail back on XX/XX/2018 saidI owe XXXX money for old debt So I decided to saddle the dept so it wouldnt be put on my credit report XXXX XXXX put on my credit report anyway So I ask this collection agency asked them to remove it they told me they couldnt remove it they just a third-party collection agency and they told me to call XXXX so I called XXXX told them the situation and they looked at it and say that I didnt know that many money so I called the collection agency back and tell them the situation with XXXX and they asked them to send me documentation and they told me they dont have documentation of the Debt because they are third-party collection agency also this collection agency never send me a receipt for the money I paid that asked him three times back in XXXX to send me a receipt and they still havent sent me one.
|
| 03/25/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I was XXXX overseas in XXXX and I made a purchase on XXXX for some documents for my XXXX. I called and told XXXX that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. XXXX still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay.
A year later, I am in a new country, and I get a letter from Convergent Outsouring, Inc. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with XXXX. I received no letter from XXXX, so I assumed the problem was resolved.
Another year ( XX/XX/2017 ) later I get another letter from Convergent asking for settlement for XXXX XXXX Bank on the XXXX account.
|
| 03/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed my XXXX score had dropped from XXXX to XXXX. I was able to get a credit report and noticed that a debt ( {$390.00} ) was presented to the credit bureau. I did some research and found out that a collections agency called XXXX XXXX presented the debt.. The case was open in XX/XX/XXXX. I have never received an email, mail through the USPS or a phone call. However, I'm receiving continuous off the wall phone messages from people offering a pre-approved {$250000.00} dollar loan as well as individuals seeking out a " wall cover person '' The numbers are not local, so I ignore the calls. If XXXX XXXX is using an alias to contact me I don't know. I have never heard of Convergent Outsourcing and have never been contacted personally. I have contacted them ( XX/XX/XXXX ) and explained, as I'm doing now, and have not heard back from them ( XX/XX/XXXX ).
|
| 05/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXXt/Convergent collections state that I owe {$280.00}. This amount has changed every time I have disputed their claim. Over the past 5 years, the amount has changed from approximately {$700.00} to now {$280.00}. Phone calls from the company are demanding that I just pay the amount or the rude calls will not stop. This has been going on for years. I have contacted the company to dispute these charges and it seems to get passed on to several different collection agencies. I filed bankruptcy 3 years ago and this was not listed on my credit report ( it would have been included ) This is not my debt.I owe XXXX absolutely nothing. There are no records, contracts or otherwise. I have requested whatever proof they claim to have several times and it has not been provided and the overly rude " people '' they have calling is becoming overwhelmingly stressful
|
| 07/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The collection agency has filed a collection under my name with the original collections as XXXX XXXX ( an account from XXXX ) for {$460.00} as of XX/XX/XXXX. In XXXX, I filed a police report stating identity theft for this specific account. I filed the claim with the credit bureaus in XXXX. In XXXX, I disputed, the bureaus and police investigated and the collection account was motioned as a FRAUDULENT CHARGE as a product of my identity being stolen. The collection account was removed from my credit report. I have already filed a dispute with the credit bureaus, filed another police report, received the first police report, and filed complaints to the attorney general, FTC, and CFPB for this collection against XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they had issue finding the an account as I suspect and did not resolve any of my concerns.
|
| 11/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
This has to do with XXXX collection agencies. XXXX, Convergent, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called XXXX several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to XXXX it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am homeless and XXXX.
With the help of an advocate at the homeless agency where I reside, I contacted Convergent Outsourcing, which is handling the debt for my XXXX account.
On XX/XX/XXXX, XXXX my advocate and I talked with a Convergent representative who offered to settle the debt for {$470.00}. The original debt was {$1500.00}. The representative agreed to email a new statement with the agreed upon settlement figure to my advocate. That statement never arrived and we called again on XX/XX/2022. On the XX/XX/XXXX call, we were informed that the company 's representative we had spoken with had committed an error and that the company would not honor the agreement they had made with us. The person we spoke with on XX/XX/XXXX verified that the offer had been made.
I want to settle this debt, but only for the amount we agreed upon. Can you help?
|
| 11/30/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have attempted as indicated by CFPB complaint ID XXXX to inform Convergent that this debt is invalid and possibly fraudulent. The company has yet to provide me with an accurate accounting of the debt. And in speaking with them approximately three weeks ago, I wanted to get rid of this issue so I called to research the debt yet again and discuss settlement options. During the call however, the agent asked if he could stop the recording which I found extremely suspicious. He then began to ask if I had returned all of our phones, to which I replied yes. I used the shipping information and packaging I was sent from XXXX. Then I asked, " is that what this debt is related to? ". Then he began to try and distract me from that issue, and I pressed him to give me the real reason for the debt again with the recording on and he would not so I ended the call.
|
| 08/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On my XXXX credit report it says that i owe CONVERGENT OUTSOURCING XXXX from XX/XX/2018 from a XXXX bill. I called XXXX and they state there is no record which could mean the debt was sold. I have not owned a XXXX phone since XXXX i have sent verification of that fact and 3 months ago i contacted CONVERGENT OUTSOURCING and asked them to please verify this debt. I wrote them a letter, i sent an email and i called their customer service line. They have still not verified this debt. Since i have not heard anything back from them I disputed this debt with XXXX. XXXX in turn states that they have validated this debt. I call XXXX and ask could i please have a copy of the validation they received and they state no its private information. No one will give me anything to validate this debt and yet it stays on my credit report and XXXX refuses to remove it.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I submitted an online dispute on XX/XX/22 with Convergent in reference to a sprint account # XXXX with and balance owed of {$2900.00} that was reported to my credit file. I requested for proof of ownership and the things I requested were the original contract with my signature, the name and address of the creditors and itemized billing for that particular account, and I also requested proof of ownership, thats shows that you are the legal owner of this alleged debt, to include all the terms and conditions that are included in their purchase agreement. I received in the mail with a timestamp of XXXX XXXX that included only the itemized bill with a number I have never used. They fail to provided my the request documents with the 30days allowed to validate this as being my debt. Therefore they are required to remove this account from my credit bureau.
|
| 06/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX, CONVERGENT OUTSOURCING, INC added a derogatory mark on my credit report per XXXX. I never in my life had an account with sprint. In XXXX, I was a victim of identity theft, I contacted XXXX and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, CONVERGENT OUTSOURCING, INC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Please terminate collection efforts, and remove and notify all credit bureaus such as XXXX, XXXX, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt.
|
| 07/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I wrote to XXXX XXXX XXXX and advised them that the collection account they took over was a fraudulent account and that it was already given to two other collections agencies within the last 6 months. There were two previous complaints filed with CFPB concerning this same debt, XXXX XXXX had this account and closed it out XX/XX/2018 complaint number XXXX, XXXX XXXX also got this account shortly after and once given the FTC report closed it out on XX/XX/2011. After XXXX closed out the account Convergent picked it up. XXXX sent me a letter stating that the account was valid because it had a bill attached, a bill does not mean that the account is mine. This was an account that was fraudulently opened in my name. This bill is not mine regardless of who XXXX sells this account to. I am not going to be responsible for an account that had no knowledge of.
|
| 12/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent outsourcing is a debt collection agency this agency has called me a year straight two to three times a day using an Alabama number. Posing as different collection agencies. They lied on my credit report that I have a XXXX XXXX account in collection earlier this year. I knew it was a lie because I had XXXX XXXX for almost 5 years now. I reported XXXX XXXX account about in 2009 that was not mine. Now almost 13 years later convergent outsourcing says I didnt pay XXXX XXXX bill. When I asked for a copy of this so called contract or service with XXXX XXXX they cant produce it. Its a lie convergent outsourcing is lying on consumer credit reports and I have uploaded or will upload a snap shot Here are the numbers they called me from over a 100 times 3XXXX XXXX And as soon as my credit was in the high XXXX score they added a collection account
|
| 12/12/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX XXXX . They keep fepressing my crefit report. Firxt thry said I opened an account or they started collections on XX/XX/XXXX. The XXXX account was originally cvlosed with XXXX in XXXX. They are making it seem like it 's a new debt collection, but it 's not. They are making updates on my Crecit report every month now and that 's unfair. I filed a dispute with XXXX in XX/XX/XXXX stating the date is wrong, but nothing was done. They are trying to extend this old collection out making it seem like it 's a new collection when it 's not. How can you help me? I 'm tired of these agencies taking advantage of consumers. I was laid off and could n't pay my bill back at thst particular time. This is unfair. At least state the original date of the XXXX debt instead of tge date they decided to start putting the wrong date on my reports. Thank you
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed on XX/XX/2020 that Convergent Outsourcing had added a collections account to my credit report on XXXX. Upon noticing the addition, I promptly disputed the account with the credit bureau on the grounds that the account is not mine and I am not responsible for the account, and on XX/XX/2020 the dispute was resolved in Convergent 's favor without any documentation or verification of the debt.
The following week, on XX/XX/2020, I sent a letter to Convergent requesting a validation of the debt since I had received absolutely no communications from Convergent leading up to the time of the account being added to my credit report. I requested details including proof they own the debt, verification that I am responsible for the debt, and all documents related to the account. That letter was ignored in violation of the Fair Debt Collection Act.
|
| 03/07/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
For more than 2 months this company has been calling about and placed Collection notices in my credit report for private student loans from XXXX XXXX XXXX XXXX. These loans are past the statute of limitations in Florida as they are more than six years old.
Furthermore, I am a XXXX XXXX XXXX veteran adjudicated since XX/XX/2013. I have had legal representation on all debt since XX/XX/2013 and XXXX XXXX XXXX was notified of my XXXX and legal representation. It is a violation of the FCRA for these calls to have happened at all given my legal representation.
Additionally the companies through their acts have tried to illegally reage these loans and they are reporting them as opened 3 months ago when they are past the statute of limitations for debt.
These actions also violate the consent order by the CFPB and XXXX XXXX XXXX XXXX case Case XXXX
|
| 05/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was notified on XXXX XXXX , 2017 by XXXX XXXX XXXX agency that Convergent Outsourcing, Inc informed them to reinstate a bogus collection account which was deleted off my credit report at the request of Convergent because they feel that they information is correct. On XXXX XXXX , 2017 I filed a complaint with CFPB against Convergent Outsourcing Inc, complaint # XXXX in which they responded that the bogus and derogatory collection account which contains incorrect identifying information not relating to me would be deleted from all my credit reports which they did but then on XXXX XXXX , 2017 XXXX notified me saying that Convergent requested that the collection account which does not belong to be placed back on my credit report base upon they believe the information that they have to be true, correct and accurate.
|
| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have Convergent Outsourcing Inc on my XXXX and XXXX credit report. I have disputed the info with Convergent Outsourcing they have not responded at all. I sent the dispute more than the 30 days ago and I have not received any response from them. The amount is XXXX that is reporting on. my credit. I have asked XXXX and XXXX to look into this matter and all they said was that it was verified. They did not do any real digging or an investigation into this matter. They simply used E-OSCAR to verify and validate the info. I am asking that since I have disputed the info and they have not responded that the account be removed from my credit report. We are in a pandemic and the credit bureaus are not doing their jobs by making sure credit reports are accurate for consumers. I am asking that the CONVERGENT OUTSOURCING INC. account be removed immediately
|
| 05/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have successfully disputed a debt for {$200.00} that originated from XXXX but is being sold over and over again to collection agencies that resubmit it on my report. I successfully disputed it twice with XXXX , once with XXXX and am in the process of disputing for a second time with XXXX . The original debt was for internet service at my home at XXXX XXXX XXXX in XXXX , Tennessee. This account was closed prior to selling our home in XXXX 2013 . The home was vacant until XXXX of that year. No service was consumed, the account had been closed but XXXX was continuing to bill me without my knowledge. I am attaching a copy of the HUD statement to show when I sold the house. XXXX , nor any collection agency has been able to prove any service consumed at that location or any records to indicate that I had not closed my account.
|
| 01/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
The person i spoke to on the phone was a female, and i told her i had never used there services and never herd of them until i received a collection notice from them. i asked the amount that i supposedly owed, she stated {$740.00} dollars, and i said for WHAT, what was this service for, she would not tell me, i asked her the address it was billed to and where, what State, house, apartment, and the address, she said she could not give out that information, and again i told her i had NEVER used there services and never herd of them, she just told me that i owed them {$740.00} dollars. this was back in XX/XX/2018, I also told the credit Bureau to be aware of them, they were trying to rip me off for XXXX that i didn't owe, and it went on my credit report anyway. I have lived in hawaii for 28yrs. that's the only address i will be billed to. XXXX.
|
| 05/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX Report Number XX/XX/XXXX Date Generated General Account Info Account Name CONVERGENT OUTSOURCING Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$400.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX Balance {$400.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$400.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX XXXX XXXX This company allows someone via telephone to open an account in my name didnt ask for proof of residency, didnt ask for state id or any types of forms proving thats me opening up an account they didnt even ask for a lease or anything to verify that was me and now they holding me responsible for an fraudulent activity account open in my name and reporting it to the bureaus
|
| 02/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I would like to report fraud on my credit report from XXXX, and Convergent Outsourcing, their credit collections agency. I have received notice from XXXX that Convergent Outsourcing has listed a bill in collections of {$910.00} as the original bill on my credit report. However, upon doing research I found this bill is fraudantly listed on my credit report, from XXXX.
Upon moving from my apartment at XXXX XXXX XXXX # XXXX, XXXX, IL I returned the equipment, however they have fraudantly reported the equipment as missing and charged me over {$500.00} equipment fee. I have paid {$100.00} on this account already for the past cable and internet bill. I have made several attempts to call XXXX and Convergent Outsourcing, however they refuse to accurately list the bill. I would like to request an investiagation and report both companies for fraud.
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Convergent Outsourcing and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as Convergent Outsourcing had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
|
| 02/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I filed an original complain to remove this derogatory mark on XX/XX/XXXX. In the response to that claim XXXX XXXX, XXXX stated that the debt that does belong to me. XXXX XXXX, XXXX also stated that they send and the mail to me which I never received. My last name is spelled incorrectly and the last 4 digits of the phone number listed are not the digits for any member of my family plan.
My payment history with XXXX is included below to showcase that over the past year my balances were always paid off in full, including the payment in XX/XX/XXXX.
I have spoken with a XXXX representative XXXX ( XXXX ) @ XXXX who assured me that my account is in good standing and has no issues at all and prompted anyone questioning it to contact him directly for references purposes, in order to confirm my statement. I've attached XXXX ( XXXX ) @ XXXX email
|
| 01/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX had a special going on where i got a discounted price on calls to international country. Called got the special and apparently the country i was calling wasnt on the special, i asked the representative multiple times before i took the special if the country i wanted to call was in the special she said yes it was so, i went ahead used the service to call internationally. went on vacation came back and my service was discontinued i called the service provider i was told i had to pay the bill because the country i was calling wasnt in the special so i told the representative that the lady who helped me assured me that the country was in the special he said " well its not so you have to pay the bill '' I said to him are you crazy where am i going to find all that money to a phone bill. From that day i never use XXXX again they are rip offs
|
| 07/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting.
I have not received confirmation nor certified testimony that your officers complied with the FCRA and all its mandated rules, when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the alleged accounts presented in Exhibit C are in fact complaint and not subterfuge? As a result, I`m willing to settle this debt immediately at 80 % per the total balance. ( copy from the Affidavit attached ) ************
|
| 08/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have a derogatory mark listed on my all 3 of my credit reports listed by a company name of XXXX XXXX XXXX. I do not and have NEVER had a contract signed with the listed company. According to my credit report the company is a third party collection agency for XXXX XXXX. By Law a third party company can not collect on a debt that is not belonging to them, so therefore it is requested that the debt listed in the amount of {$850.00} be removed from all 3 credit bureaus immediately. The company has failed, lacked to provide documents of the validity of the debt with their office and being that they can not provide a validity of the debt with them XXXX XXXX XXXX, the debt must be removed along with all call to cease!! I do not have a contract with XXXX XXXX and as a third party collector they can not collect a debt that is not owed to them!!
|
| 01/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX claims they represent XXXX XXXX XXXX in attempt to collect a debt in my name at the amount of {$180.00}.
I 'm not aware of this debt. My relationship with XXXX XXXX XXXX ended in XXXX 2009. Even if such debt existed, based on Statute of Limitations for this kind of debt, which is six ( 6 ) years, it 's run well past the SOL. The debt has never been marked on my credit file and does n't exist as of the time of writing of this complaint. Neither the collection agency nor the original creditor may pursue any kind of collections since 1 ) no legal actions as an attempt to collect had been initiated within the time frame allowed for this kind of debt by the applicable law and 2 ) the SOL had expired as well.
Based on the above, the actions of XXXX XXXX are considered to be illegal and in violation of the corresponding Federal Law.
|
| 01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company has reported this debt on my credit reports as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks
|
| 07/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had an account or any debit with XXXX, this scamming company Convergent USA ( www.convergent.com ) is trying to obtain personal information accusing a company already dissolved in 2019, who I was part, to have a debit with XXXX of {$1800.00} and if I pay them ( Convergent ) the amount of {$670.00} the collection process will stop and my account will return to XXXX!!! Totally Scam, we never had that account, I called XXXX and they don't have any info about that. I read many and many complains about this company applying the same scam to hundreds of people ( XXXX XXXX XXXX ) in such hard time all Americans are through now, shut down that company please, many people will less knowledge and resources will be a victim losing the little money they have in the middle of a pandemia! Please act fast! Thank you very much for your help!
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I Received a letter from the company that my collection will be removed from the credit bureaus once agreed upon payment. The letter also states that we have a agreement, not only do we have a agreement. The company Convergent Outsourcing has inaccurate information reporting to all credit bureaus. It states my collection was open on XX/XX/2018 on two accounts but on the third one it reports totally different. I disputed this information twice to the creditor and it still remains present. Also, I noticed that several others have had the same complaint with the same creditor reporting inaccurate information. This shows that they aren't to be truthful. Furthermore, the integrity of this company speaks volume when promising deletion and never being deleted. In my attachments you will see XXXX XXXX XXXX attachments to solidify my complaint.
|
| 03/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/2022, I identified the collection on my credit report, and call the number listed to settle the debt, I was told by the agent that they would accept a " Pay for Delete '' for the settlement amount.
I followed up with a payment on XX/XX/2022 via phone with a debt card. However, since then I have been told by Convergent Outsourcing that they do not offer " Pay for Delete '' per the original creditor, XXXX. I have called back in XX/XX/XXXX & XX/XX/2022 to dispute with no success, Convergent says their recordings don't go back that far.
I have since filed a complaint with my attorney general, XXXX XXXX in the state of Texas and sent via certified mail with a return receipt advising Convergent Outsourcing & XXXX that they are violating my rights under the Fair Credit & Reporting Act ( FCRA ), by engaging in deceptive practices.
|
| 09/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Convergent Outsourcing , INC . I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. They have not responded to my letter as of today.
|
| 08/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX in XXXX WA sent a letter to my son regarding a bill due. The procedure was done when he was XXXX years old so I was the responsible party. The bill was paid XXXX 2016.
When I called they refused to talk with me because he is over XXXX- he was n't when the bill was created and due. They want him to call them and, because I do n't trust them, I do n't want him to call and then be harassed.
After attempting to speak with 2 first line agents, I talked to a supervisor and he said he will send it to dispute and that I can not do anything else.
I will have proof of payment by mail from the XXXX center, XXXX XXXX XXXX, this week.
They were horrible to talk to, my son should not have to talk with anyone and this bill is false. They are using it to fraudulently get money for something that has been paid.
What can I do? XXXX XXXX XXXX
|
| 04/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have made several attempts to have this debt removed and the agency changed the date of the debt to a more recent date. I have sent them letters requesting proof and validation of the debt and have not received proof, or dates as to when this debt took place. I have reached out to both the collection agency and the credit bureaus and no one seems to have proof of this $ XXXX+ debt. I have made several attempts and at one point, someone at the collection agency said they would remove it by XXXX as they didn't have documentation due to the age of the debt and it has not been removed, it only decreased my credit when they changed the date and then reported late payments when NO PAYMENTS have been made. Please help as I tried getting a home loan and this has affected me greatly. Letters and request for proof were all sent on XX/XX/2020.
|
| 03/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX has failed to respond to my previous letter requesting proper validation of an alleged debt the company claims that I owe. Not only has XXXX XXXX ignored my letter, but they continue to report this erroneous item as correct on my XXXX, XXXX and XXXX report. To make matters worse, on XX/XX/2020 I received a letter from Convergent Outsourcing , Inc. in regards to the same deceitful XXXX XXXX debt. Not only does XXXX XXXX continue to falsely report this item as an active collection on my XXXX, XXXX and XXXX reports, but now a collection agency is attempting to collect from me on the same debt. Per the FDCPA, this nonsense is highly illegal, and Im now entitled to pursue litigation with both XXXX XXXX and Convergent Outsourcing, Inc. if this false XXXX XXXX debt is not removed from my XXXX, XXXX and XXXX report immediately.
|
| 12/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XX/XX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XX/XX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
|
| 10/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing Inc has reported I owe {$2100.00} on XXXX of 2022 from a XXXX account which has been reported as fraud and closed. I have written proof it was a fraudulent account. The day after reporting this, Convergent raised the amount by XXXX dollar, which was another hit to my credit. Previously the collections was XXXX XXXX, I believe for the same amount of {$2100.00} which was reported here a couple of years ago and closed. I have never done business with XXXX and I feel Convergent Outsourcing has my information and is using it for nefarious means. Raising the amount by XXXX dollar after being reported to XXXX, even stating that my documentation was verified as true and accurate. I have attached said paperwork and a picture of my correspondence with XXXX stating the account has been closed and to cease all collections.
|
| 02/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am seeking help to rectify an unfortunate situation involving identify theft and a collection company that will not cease collection attempts after I already supplied them a police report stating identity theft. I received a bill from XXXX a few months that I disregarded, because I am not a XXXX customer and thought it was scam trying to get me to pay. Then, I received a letter from Convergent XXXX stating I had been sent to collections and the debt hit my credit report. I immediately filed a police report ( attached ) and have followed up XXXX times with them to get this resolved. Nobody is responding to my emails and I can not reach their phone system, yet I'm still receiving their letters in the mail demanding payment. This is very unethical and I need help to stop the process so I can remove this fraudulent debt from my credit.
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| 04/04/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I called Convergent Outsourcing on XX/XX/23 to request a settlement on my XXXX XXXX which I show on my credit report and also on my last bill the balance is {$1500.00}. At that time I was told the balance was {$1700.00} which I stated was incorrect but was told that is what they show that was sent to them by XXXX. I disagreed and later emailed them and asked them to send me proof of the debt. Although I requested this information in XXXX I just received the documentation on XX/XX/23. I have attached pictures where they show the same bill balance of {$1500.00} not {$1700.00}. I want to know where the difference of {$270.00} is coming from and so far they are not able to prove to me that I owe that difference. I feel that I shouldn't have to pay anything that you can show me that I owe even after asking them to provide me with proof.
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| 11/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, Convergent outsourcing, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
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| 01/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts.
Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.
Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
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| 05/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I contacted Convergent Outsourcing regarding a collection that has been reported to the three credit reporting agencies. My first attempted to contact them was via phone. I was informed that I had to submit a letter to Convergent and on a document they sent me and I did but yet it is still on the credit report. The XXXX account in question was opened in XXXXXXXX XXXX XXXXXXXX. I do not use XXXX and have not for over 10 years. My cellphone provider is XXXX and I am my daughters phone plane and have been for many years.
I have called Convergent Outsourcing on XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, and XXXX XXXX. I contacted XXXX and spoke with XXXX and was informed that the accounts were closed and my credit report would be corrected I am still waiting for this to happen.
Convergent Outsourcing Account XXXX XXXXXXXX
Amount {$930.00}
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| 12/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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XXXX, I found a XXXX XXXX account in collection on my credit reports. This is not my account. It was opened at an address that I have never resided, or know anyone who ever resided there. I contacted the Convergent which is the collection agency XXXX XXXX used to advise them of fraud and next steps.
I contacted XXXX, XXXX and XXXX to dispute the collection amount and the account.
XX/XX/2019 I filed an identity theft report with FTC.
Convergent agent told me I would receive a statement in the mail of the charges and I could use said statement to file a police report of identity theft.
XX/XX/XXXX, I filed an Identity theft claim on FTC Website.
On XX/XX/2019, I received a statement from Convergent statement that XXXX did not accept my dispute and fraud claim.
XX/XX/XXXX, I sent a letter to XXXX to advising them of the fraud.
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| 03/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Convergent Outsourcing listed a debt collection on my report for an amount of {$320.00} for a XXXX bill. On XX/XX/XXXX, I wrote them requesting a debt validation letter for this bill which they say I owe. They sent back an itemized bill which IS NOT validating that debt. On XX/XX/XXXX, it is notated that they received my certified letter but still could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. Furthermore, when I searched Illinois laws, this collection agency isn't even bonded or licensed to collect a debt in this state. I request full removal of this debt associated with any of the credit reporting agencies ASAP.
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| 04/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I contracted service from XXXX for a SIM ca rd to be used in an iPad for cellular connection purposes. The signal was very poor at my place of residence due to interference. I returned th e SIM c ard and closed the account. XXXX refunded my money and i considered that to be the end . 5 W eeks later i received a bill from a collection agency by the name of XXXX XXXX ; I called XXXX and they corrected my account to show that no money was owed to them. Following month another bill was sent from CONVERGENT OUTSOURCING INC. f or the same amount. I have called XXXX to clear this situation but they say the show no traces of my name in their records. I do not wish to contact the collectors company for fear that they are just going to verify my name and address and sell my name to other data collecting agencies. Please Help.
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| 12/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
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| 12/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
|
| 10/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/2021 Convergent OutsourcinXXXX sent me a letter saying that I owe {$150.00}, which originated from XXXX ( tv, phone, etc. ). I have never had an Optimum account in my life. My father ( same name, different middle name ) has, and he and I confirmed that the XXXX account number matched his old account. However, Convergent refuses to transfer the debt to my father 's name/Social Security number. They say it was reported under my Social Security number, so I am responsible for it.
Neither he or I have a problem paying it, just to make it go away, but I'm afraid that if I pay it on his behalf, it will show negatively on my credit report for 7 years. I'd prefer that Convergent and XXXX take responsibility for their mistake and make a correction immediately. Neither of them are owning up to the mistake or offering a solution.
|
| 10/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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I WAS TOLD SEVERAL TIMES BY SEVERAL XXXX EMPLOYEES THAT ONCE I PAID MY DEBT AFTER THIRTY DAYS IT WOULD BE REMOVED FROM MY CREDIT REPORT, HOWEVER IT IS STILL SHOWING UP ON MY REPORT. I SET UP DIRECT DEBIT FROM MY ACCOUNT BUT WAS NEVER TLD IT DIDNT GO THROUGH, DURING THIS TIME MY MOM DIED XX/XX/20, FROM XXXX FOLLOWED BY MY FATHER XX/XX/20 FROM XXXX RELATED AND OTHER ILLNESS, FINALLY MY SISTER DIED XX/XX/20. I WAS STRESSED OUT DURING THIS TIME CARING FOR MY SISTER AND HANDLING MY PARENTS AFFAIRS AS WELL AS BEING A XXXX XXXX WORKING IN THE XXXX. DURING THE HEIGHT OF COVID. HAVING THIS ITEM ON MY REPORT WHEN I WAS EXPLICITLY TOLD IT WOULD BE REMOVED NOT JUST REPORTED AS PAID HAS ADVERSELY AFFECTED FINANCIAL DECISIONS I AM TRYING TO MAKE. AGAIN I WA TOLD BY THREE AGENTS WITH XXXX THAT THIS ITEM WOULD BE REMOVED FROM MY CREDIT REPORT.
|
| 09/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
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I presume this company is trying to contact me about a past due bill. I HAVE NO PAST DUE BILLS or outstanding debt. I believe them to be a scam company. In XX/XX/2011, all outstanding debt on my credit report was handled as part of my divorce and either settled, written off, or paid in full. NO BAD DEBT OR OUTSTANDING BILLS are on my credit report, nor have they been since XX/XX/2011. This company keeps asking for personal information from me and I have told them not to call me again. They have now called my landlord. I have contacted the company and requested they not do this again, but I do not know if they will comply. AGAIN, I have not had any outstanding/past due debt on my credit report since XX/XX/2011. I check my report regularly and I do not see any evidence of identity theft either. So AGAIN, I presume this is a SCAM.
|
| 12/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
|
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Convergent Outsourcing XXXX Convergent Outsourcing XXXX XXXX n't have the rights to collect debt in the State of XXXX ? They are not abiding by the XXXX accordingly to the XXXX of XXXX and they was suppose to remove themselves from my credit report by sending a letter stating to the XXXX XXXX XXXX that they need to be removed.
" XXXX XXXX XXXX section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in XXXX unless the third party debt collector has obtain a surety bond and file a copy of the bond with the XXXX of the XXXX of XXXX. Also, you can not operate in the state of XXXX with a P.O. XXXX '' I am in need of another XXXX to remove them from my credit report please.
|
| 06/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Convergent XXXX , placed an account on my credit report without FIRST notifying me of my right to dispute. XXXX They continue to forget the law as this is the 2nd time this company has done this to me. XXXX My rights say I have to be notified and given 30 days to dispute prior to placing the item on my credit report. XXXX Convergent XXXX collection practices are illegal and are continually being used on the American people. XXXX I called the company to see what was the bill. XXXX I was told that the bill was for XXXX XXXX and XXXX . XXXX I have not received a right to dispute. This bill has not been verified and validated. I do not have a contract with Convergent XXXX I am in the process of buying a home, and getting my clearance to work. XXXX Remove this incorrect collection immediately.
|
| 02/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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I was contacted by Convergent Outsourcing Inc . Via mail regarding an outstanding debt of over {$4000.00}. I wrote and stated that the debt was not mine, they then returned via mail a copy of a XXXX XXXX phone bill that I have never seen before, addressed to an address I have never lived at in a city and state I have never been to. I wrote them explaining this and mentioned that my SSN has been stolen before and this could be the issue. In the mean time they have placed this collection on my credit report and wo n't do anything without a copy of a police report stating my SSN was compromised. The report is proving difficult to get as it was quite a while ago. I do have proof from Social Security that requires a PIN number to file my taxes due to the compromise but I feel VERY uncomfortable giving this to a collection agency.
|
| 09/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX and XXXX at approximately XXXX XXXX, Convergent Outsourcing in XXXX, Michigan called me. I don't answer my phone if I don't recognize the number and of course, I didn't recognize the number and they did not leave a message because I blocked the number. I did a XXXX search and that's how I found out that Convergent is a debt collection agency which for the record, I do not owe anything to anybody so it's either a scam to try to get money from me or it's the wrong number.
I do, however have my phone service through XXXX and again, I did a XXXX search with Convergent and XXXX and found out that they teamed up and could be trying to scam people into claiming that they have an outstanding debt from XXXX and they don't, well I don't anyway. So with all that being said, they need to quit calling me and harassing me.
|
| 02/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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I try to have this matter taken of thru XXXX but they say the matter is done thru them. This is about a debt that was made without my knowledge by someone I used to know. Brought a cell phone from XXXX back on XX/XX/XXXX for {$440.00}. She told me back in XX/XX/XXXX what she did, she put down {$150.00} to get the phone in my name which I wasn't aware of. Upon a collection agency trying to collect money from me which started back in XX/XX/XXXX. Said I owned them {$690.00}. XXXX XXXX which is a collection agency has destroyed my credit and has been calling me all the time. Which I have told them to stop but they haven't. The date and year and amount are all wrong from what the person who did this, showed me a purchase bill last year. She got the phone on XX/XX/XXXX, for {$440.00} and put down {$150.00}. This is not my debt.
|
| 11/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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XX/XX/XXXX - Received an alert from XXXX and XXXX regarding collections account added, XXXX XXXX for XXXX in the amount of {$370.00}.
XX/XX/XXXX- At XXXX I called XXXX XXXX ( XXXX ) and spoke with two representatives. The second representative stated that 5 notices of debt were sent to an address I have never lived at.
Both of the representatives were extremely rude and misleading. I requested a Pay-for-Delete over the phone and both of them said " if you pay this it will be taken care of '', which is nothing close to being deleted, but were phrased in a way to make you believe they would be deleted. I recognized their shady tactics and requested a verification of debt be sent to the correct address, however, the damage has already been done to my credit as the account was added without any knowledge of its existence.
|
| 08/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was victim of Identity Theft 3 times in the last 7 years. I have 3 separate police reports related to all of the items. There were mortgages, credit cards, loan, collections, tax liens and bankruptcies that were filed done without my personal. I have sent letters to all creditors as well as to local government to obtain original copies of all documentation. I will be sending the credit bureaus all of my supporting documentation and police reports. Please please removed and permanently delete these items from my credit report. This has RUINED my life for 7 years and I am desperately trying to get this resolved asap. This has stop me from getting apartments, jobs and everything. I need immediate help to once and for all resolve all of these issues. Please permanently remove all these items from my credit report immediately.
|
| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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CONVERGENT OUTSOURCING {$340.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
|
| 05/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collections letter from Convergent Outsourcing Inc. l ocated in XXXX , Washington stating that they are attempting to collect a debt on behalf of XXXX XXXX XXXX . The letter was received in XXXX XXXX . I contacted XXXX XXXX and asked them if I owed any money to them and they stated they had no record of me owing them any past due amount of money. XXXX XXXX asked me to send a copy of the letter I received f rom Convergent Outsourcing and I never received a response indicating they would take care of the problem. The amount of the debt is {$26.00}. I realize this is a small amount of debt and I am tempted to just pay it and get it over with but there 's no indication from XXXX XXXX that this is a legitimate debt and I do not want to start making payments for something I do not owe.
|
| 10/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was hospitalized and was told I was XXXX. XXXX called me everyday until I was able to pay it off a couple of months later. I do not recall, but I believe they threatened legal action. I told them they could have their money after I died.. They must have thought I was making it all up as they continued to call daily. This was in 2012 ( XXXX ). I can dig up my receipts if necessary but that does not tell how many times that they called me. I am sure their collections has an account of how often they called in their records. The subsequent collection agency they used was Convergent, XXXX Account # XXXX, Convergent Account # XXXX. I spoke to a supervisor about their calling everyday but she told me I had an uncollected debt and they were allowed to call. Although I did n't die, it put unnecessary pressure at a critical time.
|
| 01/21/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONVERGENT OUTSOURCING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 07/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
In checking my monthly credit report, I found that an unpaid charge to XXXX wireless had been turned over to collection. I do not have a XXXX account and never did ; there was a notation on the report that my information was turned over to something called " the dark web ''. I called XXXX XXXX and asked to speak to someone in their fraud department. they referred me to the Collection agency handling the claim. This is the information told to me by the collection agency. the account was opened on XX/XX/23 and closed by XXXX on XX/XX/23 ; it was sent to collection by XXXX on XX/XX/23, for the amount of XXXX as the balance due. The collection agency provided me with a street address and an email address, neither of which are mine. If you need it I can provide the XXXX account number and the collection agency account number.
|
| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a collection account with XXXX XXXX from an old XXXX XXXX bill I owed for. I called them to pay off the collection and they informed me that when it was paid in full, it would be removed from my credit reports. I made three payments to them in the amounts of {$81.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay off the collection. I waited a little while and noticed it was taken off my XXXX, but it still shows on my XXXX XXXX report and with a {$240.00} open balance! I filed a dispute and they responded saying it was valid, although it isn't! I then called the company to try and fix the problem and they just kept transferring me to other people and then hung up on me. It still shows on my XXXX XXXX account as open with a balance and now I can't get a loan for a car because they won't fix it on their end!
|
| 01/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 01/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 01/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 12/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX cell account # XXXX. XXXX owed {$1100.00}. The debt was transferred to Convergent Outsourcing XXXX. Which was settled for XXXX cents on the dollar. I paid Convergent Outsourcing account # XXXX {$550.00} to settle the account. They said they would report it to XXXX as account paid for XXXX cent on the dollar and it should be closed with a XXXX balance. They also sent me a letter with a receipt for the amount paid for less than the full balance and the account should be closed. It would also be reported to XXXX as such.
XXXX is telling me i still owe the balance although it was already settled with the XXXX XXXX. That is mis-information on both of their part. The XXXX account should show settled and with a XXXX balance and account should be closed. But the account is still showing open with a balance on XXXX side.
|
| 12/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 12/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 11/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 05/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX has not provided me with the proper documents to validate they have the right to collect on this debt nor did I received a letter about the debt before it was place on my credit report. Here are the documents I requested : 1. Proof that you either own or were assigned the debt from the creditor.
2. Proof that you have the right to collect this debt in my state.
3. Proof that your company carries a bond.
4. Proof that the Statute of Limitations has not expired.
5. Complete payment history on this account along with an accounting of all additional charges being assessed.
6. Copy of the original contract bearing my signature.
7. Your license numbers and Registered Agent 8. Name and address from the original creditor.
Convergent on XX/XX/26 sent me a copy of a bill which is not a valid proof of ownership.
|
| 04/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To Whom It May Concern : I paid my final bill directly to XXXX in XX/XX/2017. I checked my credit report recently and was surprised to see XXXX XXXX reporting a " Paid/Closed '' collections account citing XXXX as the original creditor. I was never contacted by XXXX XXXX regarding this debt. By law, they had to notify me that they were collecting the debt before they could take any action, including reporting the account to the credit bureaus. I have never received any communication from Convergent, neither by mail, nor by phone. The account was paid in full to the original creditor. Moreover, I was never contacted by XXXX XXXX informing me they were collecting the debt. Therefore, XXXX XXXX must stop all collection activity on this account. This includes, but is not limited to, negative reporting to the credit bureaus.
|
| 03/15/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
MY NAME IS XXXX IN XXXX AFTER XXXX XXXX, I HAD TO CLOSE MY COMPANY AND I WROTE TO ALL THE CREDIT CARD COS THAT I WOULD BE VERY LATE W PAYMENTS, MY CREDIT WENT SOUTH BUT I KEPT STRICT RECORDS. NOW 16 YEARS LATER MY CREDIT IS AROUND XXXX AND I HAVE JUST RECEIVED MY XXXX. I AM HAPPY I PAID EVERYONE OFF IN THE LAST 7 YEARS. TODAY I RECEIVED A LETTER FROM CONVERGENT OUTSOURCING IN XXXX, WA SAYING THAT I OWE A VISA ACCOUNT {$540.00} ... .NOT TRUE. I PAID EVERYONE OFF ONE BY ONE WHAT SHOULD I DO? ... I THINK THIS IS A SCAM TO PREY ON XXXX RETIREES ... XXXX IS SCAM CAPITOL ...
I COULD IGNORE THE LETTER BC THEY MASS PRODUCE THESE LETTERS HOPING TO MAKE MONEY OR I CAN SEND A TERSE LETTER DISPUTING THESE CHARGES ESPECIALLY WITH STATUTE OF LIMITATIONS AND THREATENING A LAWSUIT THRU MY LAWYER.
WHAT DO YOU SUGGEST? THANK YOU. XXXX
|
| 02/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I received calls and letters in the mail, sitting by owed dish network {$170.00} so my debt was placed with convergent debt collectors. I stated to them I already paid us with a previous debt collector called XXXX XXXX a year ago! I emailed them my phone record and bake statement which showed the amount of XXXX paid already. So they put it in this cute so they could investigate. I received a letter today, XX/XX/XXXX stating that they confirmed that the charges on the account are still valid and then I still owe XXXX XXXX. I called them and they said they were going to put it in dispute again this is not getting resolved. I keep getting calls in regards to a debt that has already been paid a year ago with provided proof Im still getting harassed about a debt thats already been paid XXXX previous creditor.
|
| 04/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
An account that was in collections with a company called XXXX for an old cell phone through XXXX was re-aged on my credit report. I contacted XXXX and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called Convergent Outsourcing LLC and they have a date or account being opened as XX/XX/2017. I attempted to contact Convergent by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by XXXX and it seems they not only re-added the account they sold it to another company and that company re-aged it.
|
| 09/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 I received a letter ( dated XX/XX/2018 ) in the mail from Convergent Outsourcing Inc. I opened it and found myself equal parts surprised, confused, and a little scared. The letter stated that they were a collection agency attempting to collect a debt. I found this very odd as I have a good credit score and pay all my bills. I looked at the amount ( {$330.00} ), and the original company claiming the debt ( XXXX ). I instantly became suspicious as I have only used the account once, which was several years ago. I checked my XXXX account. It confirmed that my account balance was indeed {$0.00} and that the last activity was years ago. I`m going to attempt to contact Convergent, but after a quick google search pointing to a scam, I`m apprehensive to deal with them. Thank you for your time and consideration.
|
| 06/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This debt was paid in full in XX/XX/2017, for about {$220.00}. I verbally asked over the phone before settling this debt that in exchange for my payment, they delete this account which was ( and still is ) negatively reporting on my credit. I held up my end of the agreement and paid, but they did not hold up their end of the agreement. They are still reporting negatively on my credit report under collections, as account settled. This is NOT what was agreed upon and they are holding me back from the benefits of having good credit. I have repeatedly contacted them via phone afterwards to dispute this, but after stating what my problem is each time I call, they then transfer me to another line, then the phone coincidentally gets disconnected. I paid this account and in return this was supposed to be deleted. They lied.
|
| 10/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I contacted XXXX XXXX XXXX in XX/XX/2018. I identified myself and indicated that I had called to pay my debt. The representative asked for my social security number and I provided it. The representative checked their system and indicated that I owed {$880.00} with the original creditor being XXXX XXXX XXXX, which matched what had been reported in my credit report I promptly paid it. Today ( XX/XX/18 ) I received a letter from Convergent that stated I now owe {$350.00} to the same original creditor. I do not owe this, it was not reported on my credit report ( I know that reporting is not required by creditors ), it was not previously disclosed to me in any way, and its origin is totally unknown to me. I have paid what they said I owed and I would like the CFPB to please have this company to cease this harrassment.
|
| 02/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A collection account in the amount of {$690.00} from XXXX XXXX XXXX appeared in my credit report on XX/XX/2017. Since this is not my debt, its source has links to the XXXX credit breach of XX/XX/2017. The credit breach has compromised all of my personal information within the credit files of XXXX, XXXX, and XXXX that now show collections for accounts with businesses with which I do not transact business.
I am hesitant to engage with XXXX XXXX XXXX XXXX because of its unfavorable customer service and dispute resolution practices well documented within the XXXX XXXX XXXX. According to the XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX has 64 negative reviews out of a total 67, many of which pertain to business practices that run afoul of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act.
|
| 12/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report on XX/XX/XXXX and noticed a derogatory mark. the derogatory mark was posted on my report with a total of {$770.00} owed to the telecommunications company XXXX dating back to XX/XX/XXXX. I have never opened a XXXX account in my life, there were two companies listed as collectors for the debt the first company was " XXXX XXXX XXXX ''. I called " XXXX XXXX '' and they stated to me that they no longer handled the debt and that it was returned back to the original creditor " XXXX ''. the second company listed as handling the debt was " XXXX XXXX XXXX '' I contacted them via phone about the debt and was told that XXXX still owns the debt but uses them as a collector on sprints behalf. I told the agent I did not owe the debt and that I never have opened a XXXX account. I was told to contact XXXX
|
| 03/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XXXX XXXX ( Convergent Outsourcing ) attempted to fraudulently collect a debt of {$250.00} that was illegally sold by the actual creditor ( XXXX XXXX ). Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.
|
| 01/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company name is XXXX XXXX. They sent me a letter about an alleged debt. I wrote them a letter back and sent it certified mail asking them to validate the debt and mail that to me. As of XX/XX/2018, they have called my phone number 3 times ( I will not answer them, I have told them previously not to call me ). They have called both of my daughters, my husband, and my sister. Each time they are looking for me and they get upset when they tell them that the number they called is not for me. I am waiting for them to validate this alleged debt and then plan my next course of action but I will not speak to them and for them to call everyone in my family multiple times a day looking for me does not sit well with me. To me that is harrassment since they were told previous to the letter they sent me to not contact me.
|
| 08/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX, a debt collector for XXXX sent mail to me concerning payment that they claim I owe. The debt is for a bill they claim I owe XXXX for service received in XXXX XXXX. The first I have heard of this debt was when XXXX contacted me, which was in XXXX of XXXX. I contacted the New York Better Business Bureau on XXXX XXXX. They referred me to Consumer Financial Protection Bureau -complaint number-XXXX- This was my complaint : I do not agree with the bill sent to me by a XXXX XXXX for XXXX XXXX for services rendered to me almost five ( 5 ) years ago ; especially since I did not live at the location at the time of the billing which I can prove.t. I resent that they waited that length of time to contact me ; and not personally, but through a collection agency. I have tried to fix the issue with Better Business Bureau.
|
| 07/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
Servicemember |
|
XXXX sent me a shut off notice around XXXX XXXX for {$110.00}. I immediately sent them {$15.00}. They know that I have a partial XXXX and am on a fixed income. But, they shut me off anyway ( The money order may not have made it before the shutoff ). I then sent them {$27.00} the following month towards a {$120.00} bill ( I had not realised that they sent me a collection fee of {$18.00} and did not understand why the bill was different but thought it was just the last reading ). The name of the collection agency is Convergent and I have contacted them because their bill states {$130.00}. At this time, I do not have the account # for Convergent, but do have the XXXX account # XXXX for which I have paid {$42.00} of the {$120.00}. Convergent states I owe {$130.00} even though the current online XXXX states {$100.00}.
|
| 12/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a violent car jacking in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted.
|
| 03/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am the agent acting on behalf of the principal of this account. Pursuant to 15 USC 1692c ( c ) I am hereby ordering Convergent Outsourcing to cease any further communication regarding this account immediately. According to 15 USC 1692a ( 2 ), the term " communication '' means conveying information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " any medium '' includes oral, written, electronic, or other mediums. Therefore, furnishing a consumer report bearing information regarding a debt will amount to communication from Convergent Outsourcing per the Fair Debt Collection Practices Act.
Any further communication from your company, except a communication, confirming your acknowledgment of this notice violates the Fair Debt Collection Practices Act.
|
| 11/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I got a phone from XXXX, as previously mentioned in numerous complaints through the BBB, XXXX themselves, and XXXX XXXX. I got a new phone and a speaker at the time of the contract. I was unable to pay. Later, I paid the phone off, to switch providers. To this day, I get mail from CONVERGENT and XXXX stating I owe them XXXX.
XXXX can check their own system to show the phone is paid off. I don't owe them anything.
Due to their negligence, seditious acts, and the like, I currently do not own a cell phone AT ALL, because each time I activate a new phone I get 3-4 bills from XXXX, XXXX, and most recently XXXX XXXX XXXX attempting to get me to pay for old services that have been paid off. I refuse to continue to purchase services, only to be hit over the head with a new bill about old services I've already paid.
|
| 07/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I just found this company reported on my credit report. I also did n't receive any right to dispute, any validation or verification of debt from this company or any of the previous companies. Tried to find out about this debt from the original company, since finding it on my credit report a few days ago, who could give me no information on this debt except to inform me that it was owned by a different company last they were aware of it. This debt has been sold over and over and had been previously removed from my report due to not being validated as being mine ( I have had my ss # personal info used before by someone other than me, so any debt needs to be shown to actually be mine ) previously by a different company. Now it has shown up again be a company who bought it, I assume, who has had no contact with me.
|
| 08/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convegent Outsourcing is reporting a debt on my XXXX and XXXX reports that XXXX has removed.
This debt was disputed and the credit bureau had a certain amount of time between 30-45 days to validate this debt if not removed. The debt was not validated within said timeframe and therefore XXXX removed the debt.
The original credit sold that debt and had a new debt collector report it under bogus reasons as validated.
FCRA gives creditors a certain amount of time to validate a debt and in that time of not done the debt shall be removed.
Follow suit protocol has not been followed and this is a violation of my rights.
I do not have a contract with this company nor can they produce a contract I ever signed with their business.
This debt needs to be removed off my remaining two creditors reporting system.
|
| 05/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A while back in XX/XX/XXXX i did a dispute with convergent outsourcing about someone using my identity to get a cell phone. There was a remaining balance of {$620.00} dollars which i disputed ad fraud. XXXX asked me to come back and re investigate when I got a police report. I did that. I wrote a new dispute three months ago in XXXX. sent a police report in XXXX as well as another dispute letter. And in XXXX i sent a demand to comply letter. They have still yet to provide me any written or verbal proof of how they validated the debt. they have sent in my credit report with the same fraudulent inaccurate debt still reporting. XXXX have not given me proof of a wet signature signed by me from sprint or convergent of the person who committed fraud. I told them to stop and take it off or I would seek legal action.
|
| 10/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've recently been in contact with the credit bureaus over the past couple of months due to accounts appearing on my credit report that I never opened or received any goods or services on behalf of. Even though this has been a ongoing dispute I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by Convergent Outsourcing whom has violated section 1692e 8 ( Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) Convergent Outsourcing has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. I will included supporting documentation along with this claim.
|
| 09/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing has contacted me several times by phone and by mail. They have also tried to contact my elderly mother looking for me.
In XX/XX/XXXX, my credit score declined dramatically due to Convergent putting a negative inquiry on my credit report with XXXX. This charge is for a XXXX bill that my ex-husband owes. This specific debt is cited in our divorce decree entered in XX/XX/XXXX as solely his. I disputed Convergent 's attempt to ruin my excellent credit score rating by going through their dispute process and sent a copy of the divorce decree. Per their process, XXXX has shared that information with Convergent. XXXX removed the item from my credit report finding that this debt does not belong to me. On XX/XX/XXXX, Convergent sent me a notice saying that they believe this debt is still valid.
|
| 04/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I received a letter from XXXX XXXX XXXX. on XX/XX/18. This letter was for debt collection of {$750.00} from XXXX XXXX I do not owe XXXX any money.
I called XXXX and verified that, I did not own them anything. The person I spoke with stated that they do not do business with XXXX XXXX. He told me to ignore the letter.
I called XXXX XXXX and explained the situation. The representative told me that I owed the money, and suggested that my XXXX account had been hacked. I told him, I would file a criminal complaint on this issue, and he asked me if he could file the complaint. When he stared asking me personal questions, I told him, I would do the complaint myself. I had no idea who this person was.
This morning I did a XXXX search on the company, and found that they have a long track record of collection fraud.
|
| 05/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Submitted CFPB complaint reference to a fictitious XXXX account in my name. I have submitted disputes to XXXX of the credit bureaus with no action taken. This debt with XXXX was not authorized by me. My wife and I were living outside of the XXXX for over XXXX months starting in XX/XX/XXXX thru XX/XX/XXXX. I have never had a XXXX account ever in life. The carrier we have used for XXXX years has been XXXX. Convergent claims a fraud packet was mailed out on XX/XX/XXXX. I have not received such a packet and it's been XXXX weeks. I have a lease and passport stamped to prove my claim. This inaction is causing my credit score to decline. I don't think the have a current address and are sending things to an old address in XXXX, XXXX. I moved from that address on XX/XX/XXXX when we sold our house and moved to XXXX.
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On Tuesday, XX/XX/XXXX I received an email from Convergent Outsourcing stating that I owe {$340.00} to XXXX and that collection activity will stop if I pay 40 % of the total balance due. However, I have no debt with XXXX, and would like for Convergent to stop contacting me.
Bellow is part of what was sent to me via e-mail from Convergent stating what I " owe '' Your Account Summary : Creditor : XXXX, XXXX Convergent Account # : XXXX Amount Owed : {$340.00} Reduced Balance Amount : {$130.00} This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector.
Sincerely, XXXX XXXX Questions about Convergent?
Visit convergenthelp.com Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXXXXXX XXXX
|
| 06/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In around 2010 I started a phone line with XXXX. I was unable to pay the final balance and was recently reminded by a letter over 8 years later. There is a derogatory mark on my credit report through XXXX which was from about 8-9 years ago now. I never received this information until recently and though it is still owed this should have fallen off of my credit report by now. I recently had to pay medical bills and pay all of my credit cards on time but this derogatory mark is making it hard for me to really improve my credit. I will continue to work to pay this old balance off but until then it is hard for me to get a good credit card or even an apartment lease. If XXXX would remove this mark from my credit report it would allow me to take the next steps in improving my credit and paying off all of my debt.
|
| 03/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is my formal written complaint. I am denying all calms by. CONVERGENT OUTSOURCI I have never done any business nor received any goods/services from CONVERGENT OUTSOURCI In fact, I am 100 % confident that the plaintiff can not provide any instrument of a signed contract/agreement between CONVERGENT OUTSOURCI and myself, labeling me as a debtor who is obliged to any debt/monies owed to them as a creditor. It is from my understanding that I do not know of this entity and under federal Law they do not have the legal right to bring forth any said " claiter '' against me. I would like this investigated immediately and removed from my report once found inaccurate information. This has caused severe damages to my consumer report, livelihood, and character due to their inaccurate reporting on my consumer report
|
| 03/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a validation letter to this company, I asked them to provide me with the documents that say that I have an obligation to pay them, the original contract with my signature on it and they only sent me a copy of a bill which it does not prove that the debt is mine, I need this company to send me all of the documents that I asked for, I want to see the original contract that obligates me to pay them, by law I have a right to see the original contract and it must have my signature on it. Even the address on the bill that they sent me is incorrect, that is not my address. This company put a collection on my credit reports and this is affecting my credit score badly. This company has not proven to me that this debt belongs to me, in order to do that, they must provide me with the documents that I asked for.
|
| 01/02/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
THERE IS A DEBT COLLECTION AMOUNT OF {$760.00} THAT THE DEBT COLLECTOR IS TRYING TO WRONGFULLY COLLECT.I HAVE CONTACTED XXXX TO HAVE THIS DEBT TAKEN OFF MY CREDIT PROFILE THIS COLLECTION ACCOUNT WAS A RESULT OF FRAUDF I NEVER HAD A SPRINT ACCOUNT.
I HAVE CONTACTED XXXX, XXXX IS SAYING I SHOULD CONTACTED DEBT COLLECTOR WHEN I CONTACT DEBT COLLECTOR, DEBT COLLECTOR WOULDNT TAKE IT OFF.
I LOST A WALLET DURING WHEN THIS HAPPENED.
SINCE THEN EVERYTHING IN MY PROPERTY WAS REPLACED.
I REQUESTED A DRIVERS LICENSE REPLACEMENT AND ALSO CLOSED ALL MY CARDS.
I HAVE FILED A DISPUTE WITH XXXX 3 TIMES THEY STILL REFUSE TO ACCEPT THE DISPUTE AND TAKE OFF MY CREDIT REPORT.
I KINDLY ASKED THEM TO SHOW ME VIDEO PROOF THAT THIS WAS ME MAKING THIS PURCHASE THEY DONT HAVE THAT.
PLEASE LET ME KNOW.
THANKS.
|
| 09/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Apparently i resolved this item with a previous collection agency and now this company Convergent is collecting on it. The other collection agency aknowledged that they could not collect, but now this company is starting to collect on this XXXX item. They sent me some blank pages with my personal data on it making it look like if these were my billing statements from XXXX. I want a letter from XXXX on XXXX letterhead and with XXXX contact information letting me know that they have authorized this company convergent to attempt to contact me and to attempt to collect. Also a letter from convergent which says they are licensed to collect here in the state of florida. also please send me all of my XXXX light bill statements which are on XXXX logo and letterhead with their address and phone number on it as well.
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I was contacted by Convergent Outsourcing Inc XX/XX/XXXX and again on XX/XX/XXXX about a {$1200.00} debt from XXXX. Someone fraudulently opened an account with XXXX with my name and address in XX/XX/XXXX and signed up for paperless billing so I never received a bill or any other communications directly from XXXX. Convergent placed a collections notice on my credit report and I contacted them told them the debt was fraudulent as was told to supply a police report about the incident and to send in a form. I submitted the police report and form and shortly there after the collections notice was removed from my credit report.
On XX/XX/XXXX I was contacted by XXXX XXXX about the same {$1200.00} fraudulent XXXX account. It appears the Convergent resold my debt after they received proof that it was fraudulent.
|
| 09/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one behind Convergent. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/2018 ... the responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Convergent ) directly on or about XX/XX/XXXX or XX/XX/2018 ( attached ). They responded validated because they provided me with a 5 page bill which isnt quite VALIDATINGanything. Im simply seeking assistance in getting this matter resolved.
|
| 10/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX opened a collections account on my credit reports on XXXX XXXX,2017. The only reason I know this is because I have credit monitoring accountt. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then XXXX XXXX has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with XXXX XXXX. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudelent trade on all CRAs ASAP! I will sue!
|
| 11/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a dispute letter to XXXX requesting they verify three collection accounts, one of which this complaint is about. XXXX received my dispute letter on XX/XX/XXXX, they stamped it and returned the receipt to my address because I sent the letter certified and requested return receipt. XXXX XXXX XXXX a collection agency sent me a dunning letter regarding a XXXX account XX/XX/XXXX, This account is listed in my dispute letter. The collection agency asked me for payment in the amount of {$540.00} but stated that their client is willing to satisfy the alleged account for 50 % of the total balance. XXXX has not communicated to me that this debt has been validated and from what I understand this collection agency is not supposed to be attempting to collect this debt until it has been verified which it has NOT.
|
| 06/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My credit report had a collection placed on it from XXXX XXXX a couple of months ago. When this happened I immediately called them. This debt wasn't mine to begin with. I never owed XXXX money because I cancelled my phone and paid the early termination fees. But, they never cancelled my phone and it kept accruing a balance until I received a bill a few months later. I called XXXX to resolve at that time and they said it was fixed. So now, convergent places this on my credit and it's causing me all sorts of problems. So, I just settle the debt in order to avoid issues and pay them. They're supposed to delete the account but now it's still on my credit report. What a shame I paid a debt I didn't owe and it still sits on my credit report. They've sent me a letter stating that this debt is valid. See attached
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a debt that is showing on XXXX and XXXX and it has been mailed to my forwarding address. I have never done business with CONVERGENT OUTSOURCING INC, I contacted them they stated I needed to file a police report and make a complaint. I wanted to make my complaint to you because I only recieved mailed at that address for 1 month I had recently become a guest to America. I have proof and will be filing the police report with the 3 bureaus.
XXXX XXXX XXXX XXXX. New jersey needs to be removed was a address issued to send paperwork never ordered Bill 's there CONVERGENT OUTSOURCING INC never done business with them either XXXX XXXX XXXX I cancelled my policy with the insurance and they still charge me when I left the company I didn't even use their services a month XXXX XXXX not my numbers inaccurate
|
| 05/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried contacting this company multiple times. I have even disputed the account three times with XXXX and XXXX. This account doesn't belong to me as I have never had any affiliations with Convergent Outsourcing or the account it is claiming to be collecting for XXXX. I have asked XXXX, XXXX to ask convergent outsourcing for some type of documentation stating that I went into an agreement with them or to provide something with my signature authorizing them to report to my credit report. To this very day no one has provided me with the requested documentation yet, it is still showing on my credit report. A collection bill is not proof as it has no signature on it from me and since they can not provide me with the proof this account needs to be removed immediately as it is a violation of my rights.
|
| 05/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I filed a complaint on XXXX XXXX , XXXX against XXXX XXXX see case number XXXX This is the same matter from XXXX . T hey have been attempting to recover a " debt '' which I do not owe and keep on giving the debt for collection to different debt recovery agencies ; this is the XXXX one! This started XXXX XXXX , XXXX when XXXX XXXX attempted to collect a debt for XXXX . I demanded proof of the alleged debt via certified mail and never received a response. Then in XXXX of XXXX , I receive the same attempt from another agency- XXXX XXXX They dropped the claim and now I received another attempt from Convergent XXXX . I do not owe XXXX anything and they have never produced proof of anything owed to them but keep on giving this alleged debt to different debt collectors.
|
| 03/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
For several years I have received notices from Convergent Outsourcing Inc . According to the notices the debt is for XXXX. Although I admittedly owed XXXX nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to Convergent in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.
|
| 06/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 07/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
First of its being written off as loan when i XXXX original creditor its said it was a gas company and second of it saying the debt is from around XXXX XXXX but a missed XX/XX/XXXX and its just been flagged on my file as of XX/XX/XXXX so for the last time this isnt mine amongst other debts listed on my file ive been disputing over and over with the same results i havr never had utility with such company nor are they providing debt validation the reason is the same over and over once ive attemped to fix my and the person ive updated my info with is credit bearue and now these collection company are pulling my file without my permission and being contacted about debts that are not mine being flagged for collection thats not compromising my credit score without no valid proof any of it being mine HELP!!!
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft CONVERGENT OUTSOURCING Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
|
| 02/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I signed up for a credit card with XXXX XXXX XXXX XXXX XXXX. I never received the card, so it was never activated and never used. After a couple of months, they sent me a bill for the credit card fee. I called and let them know that I never received the card, and at that point, I no longer wanted to the card, and that I had not activated it since I never received it. They are still trying to charge me the fee for the card, and now they have sent it to collections with XXXX XXXX XXXX XXXX with additional fees. I do not feel that I should have to pay for a credit card that I never received.
The Convergent account # is XXXX, and the client account number ( I guess XXXX XXXX account number ) is XXXX. The phone number for Convegent on the bill is XXXX.
I appreciate any assistance you can provide. Thanks.
|
| 11/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Convergent Outsourcing IncXXXX has been attempting to collect a debt for XXXX that my son incurred several years ago. They have filed nonpayment reports with the credit agencies in the past which affected my credit score ( see CFPB XXXX number : XXXX and CFPB XXXX number : XXXX ). Both cases were resolved in my favor when it became evident they had the wrong person. They are trying to collect this debt again under the Convergent Account # XXXX and I am concerned they will use the same tactic with the credit reporting agencies. Please put a stop to these insidious tactics once and for all. My wife and I are elderly and in poor health, we do n't need to deal with an issue like this when our credit score is stellar and this company is purposely trying to get the money from us instead of our deadbeat son.
|
| 01/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Convergent outsourcing has tried contacting me to collect {$710.00} they claim I owe to XXXX. I have expressed to them in the past I do not wish to be contacted with this matter and my willingness to pay for a deletion off my credit report. Harassing phone calls have taken place at my place of employment after expressing I do not wish to be contacted, much less at work after hours. Not sure how they got my work number, but I no longer wish to be contacted and demand my account be removed and deleted from report for the pain and suffering this has caused in my place of employment. If Convergent Outsourcing Inc. continues this action I will be filing disputes, complaints with XXXX, Federal Trade Commission, and XXXX XXXX office ( attorney general ). Their collection practices are illegal and unethical!
|
| 02/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
THIS IS A DEBT THAT IS NOT RIGHTFULLY MINES. I requested validation and not just verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested that the offices provide me with competent evidence that I have any legal obligation to pay them and also provide me with the original contract with my identification and or drivers license with my signature. they have failed to do that. i've requested numerous validations from them. and this has been put on my credit report. after they have removed it. I HAVe TRIED TO CONTACT XXXX XXXX TO RESOLVE THIS MATTER AND i am not getting any results. this situation is preventing me and my children from moving forward with out life. its hindering out progress with obtaining housing
|
| 08/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was with XXXX for over 10 years but because they were charging me almost {$200.00} a month, I decided to switch to XXXX XXXX XXXX. I made the switch in XXXX of 2018 and I owed them an equipment balance of about {$200.00}. I am college student who finds it hard at times to afford gas but I was saving up to pay off that balance. Early this year, I received notification that the balance had gone up to a whopping {$650.00} which is more than double the amount I was going to pay. Once this hit my credit about two months ago, my score dropped significantly. I reached out to the company and not only were they rude but they told me I would have to pay the complete balance then and there. They also told me that they would not provide written proof that the debt was paid off which makes absolutely no sense.
|
| 07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
From XX/XX/2018 to XX/XX/2018, multiple credit report dispute letters were sent out.Contained in this dispute were requests to verify accounts on my report via copies of the original creditors ' documentation with my signature on file. These requests have been overlooked and unverified items remain on my credit file.
Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) it is required in order to properly verify any account on my credit report, original documentation with my signature must be provided. Section 611 ( 5 ) ( A ) of the FCRA states that if TransUnion is unable to properly verify the accounts in question in 30 days, they must deleted from the credit report immediately. These companies have failed to comply with all of the above. Verification method was not provided.
|
| 10/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Good evening, I pulled my report on XXXX XXXX saw a collection from Convergant Outsourcing For a suppose debt of {$1100.00}, I send them a letter to ask for validation of debt with signature to see if there was a signature belonging to me never heard from them nor it was marked disputed in my credit, then in XXXX XXXX, send them a certified mail witch I have signature prove that they receive it on XXXX XXXX sign by a XXXX XXXX they have never sent me any validation of debt, it was marked disputed on credit, then today I happen to get a notification from my credit that something updated and sure enough was the same company marking that suppose debt as unpaid, why they going mark it as unpaid when there is an investigation going on, and 30 days has n't pass for them to mark it from disputed to unpaid.
|
| 07/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My social security number was used to open up XXXX accounts. XXXX was for XXXX XXXX and XXXX was for XXXX in Michigan. I have lived in XXXX my whole life and so the address that is on my credit file for XXXX is not accurate. I believe both debts are being handled by Convergent but I am not 100 % sure as it is all confusing to me. I had contacted them and they told me to email them the proof that I have never lived there and that the debt is not mine and so I emailed them bills and check stubs that show I never lived at that address and they confirmed that my identity had been stolen. I contacted XXXX who disputed it with them however they are saying the debt is accurate when it is not. Not sure how where to go from here as I am only XXXX and am unfamiliar with how this process is supposed to work
|
| 03/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX I called XXXX XXXX and headquarters. I explained that I had a error on my credit report due to an account open on XX/XX/XXXX for XXXX XXXX. XXXX representative looked into the matter but couldn't fine an open account for that date. so I was transferred to fraud and from there they managed to fine the account open on XX/XX/XXXX. XXXX XXXX fraud department then transferred me to a company called ''Convergent '' to dispute the open account that amounted to {$1100.00}. however, Convergent then transferred me back to XXXX XXXX fraud department and no matters were taken care of. I called XXXX credit bureau for 2 days with no form of a live representative. XXXX XXXX did inform me that the SSN on the open account does not match my own SSN and a different address is used in the open account.
|
| 05/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I changed cell phone companies in XXXX XXXX from XXXX XXXX to XXXX. I had asked a XXXX XXXX representative about any outstanding bills prior to changing my account. He said the bill would be transferred to XXXX and would appear on my XXXX bill.
I changed telephone companies and heard no word from XXXX XXXX until XXXX XXXX, XXXX in the form of a letter from a debt collection agency. I have never had a late or missed bill with XXXX XXXX after being a customer for 10 years. I think it is wrong that I did not receive any type of notice stating I had an outstanding balance prior to being sent to a collection agency. I would like to confirm that this does not show up on my credit report and ensure this does not happen to other people. This is wrong and affects your livelihood.
Thank you for your time.
|
| 10/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Convergent Outsourcing opened a collections account on my credit reports on XX/XX/XXXX. They lied and said they sent something to my address when in fact I did not recieve any documentation from them. Under FCRA I am entitled to verification and validation documents bearing my signature before its placed on my credit. Convergent does not have my signature on this fraud trade. Convergent is the company name listed on all CRAs ; therefore, they need to remove this illegal trade and fraud trade from all CRAs. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Instead of updating the CRAs to remove this fraud trade, they instead added it on two other CRAs making my score crash! I will seek damages if this trade is not removed ASAP.
|
| 12/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently checked my credit report and learned that Convergent Outsourcing, a third-party collector for XXXX placed a collection account on my credit report. I called Convergent Outsourcing and asked them why they never sent me a notice about the collections account. The Convergent representative told me that they sent a notice to an address where I have never lived and never received mail. The address began with XXXX. I have never lived at an address beginning with that number. I have not received mail at an address beginning with that number. I told the representative that she had a legal duty to notify me BEFORE posting to my credit report. The representative did not respond to that statement. The representative did not send notice to the proper address after I told her where I receive mail.
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX of 2022 I received notification from Convergent XXXX claiming I owed XXXX XXXX {$100.00} for an account that was opened XX/XX//2022 ; I told them I have never had an account, they advised me there was no service, just an activation fee, i told them never applied nor received a phone from them, I have been with XXXX for 7 years and have never had any interest in transferring my service. They said they would notify them, XXXX then reported it to my credit without knowledge of the debt, I wrote them and XXXX and they provided me nothing but a letter asking me to call then at XXXX when I call they wont help me but tell me to call XXXX instead, I called them and they said its under fraud. It is still on my credit report and they will not provide me details. I HAVE NEVER had SERVICE with XXXX
|
| 09/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I ported my phone number out of XXXX to XXXX XXXX and I contacted XXXX to ensure that I was clear about having paid any money to them and they said all of my obligations to XXXX were paid. Approximately 3 month later I received a notification telling me that I owed money to a collection agency telling me that they were acting on behalf of XXXX and I had to give them money or they will impact my credit rating. This is important to me because I have had problems with XXXX regarding this issue. XXXX said that they remove the claim and I forgot about my complaint. I am receiving phone calls and letters demand payment for a debt that I don't owe after they said that they were going to cancel the claim of debt. The latest number to have called me is XXXX. Please help me with this Sincerely, XXXX XXXX
|
| 05/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX CONSUMER FINANCIAL PROTECTION BUREAU XX/XX/2021 To whom it may concern : An account with CONVERGENT OUTSOURCING has recently appeared on my credit report without me having received a call or any notice. I've never done any business with this company for them to make an alleged claim of me owing them any money. On XX/XX/2021 I sent them a letter requesting their basis of their alleged claim by showing proof of my signature on the original contract to which if they could not provide this proof to delete from my credit reports however, they have yet to respond and at the same time are still reporting this alleged debt on my credit report to the credit reporting agencies which effecting my credit. Please assist. Thank you for your help and understanding.
|
| 11/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or about XXXX, I received in my home mailbox a bill addressed to me from something called XXXX XXXX XXXX XXXX XXXX.
It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}.
It offered " convenient '' ways to pay various amounts via credit card or check.
I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number.
I refused and suggested to the young man that he seek honorable employment.
What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?.
I hope you will prosecute the people responsible for this operation to the fullest extent of the law.
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 Convergent Outsourcing added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Convergent Outsourcing has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
I have already sent several request for debt validation to Convergent Outsourcing, however they remained negligent and did not respond or delete the unverified account from my credit report.
|
| 06/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A debt collection agency called Convergent on XXXX XXXX 's behalf sent a letter to my address, addressed to someone else indicating monies owed. When I contacted Convergent they stated my social security number was used in opening an account with XXXX XXXX. Convergent directed me to contact XXXX XXXX directly, which I did. XXXX XXXX confirmed that the delinquent account was opened with my social security number. XXXX XXXX told me I need to sign an affidavit indicating my social security was fraudulently used via identity theft. It should be their responsibility to confirm accuracy of any information provided to them when opening accounts. Letter dated X/X/17 seeking amount owed {$810.00} and total balance of {$810.00} XXXX account # on letter : XXXX Connvergent Account # on letter : XXXX
|
| 10/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I obtained my credit report from all 3 bureaus at the end of XX/XX/XXXX. On XX/XX/XXXX, I wrote the bureaus and sent certified letters to each bureau. I updated inaccurate information and disputed a collection account that this company reported. XXXX XXXX is claiming that I have an outstanding balance of {$600.00}. On XX/XX/XXXX I sent a letter to XXXX XXXX to validate the debt they claim I owed. In my letter, I asked for debt validation with my original signature on the document stating that this debt is my contractual obligation. I also included a hand written letter asking if they were legally able to collect debt at this present time because their business entity that is listed on my credit report, is showing inactive. The business expiration date for the address provided is XX/XX/XXXX.
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have disputed this multiple times on my credit report. After contacting the company and asking them to send written notification in the mail I never received it. The most recent contact with them I was told to call XXXX mobile and they could help me I contacted XXXX and XXXX mobile and they said theres never been an XXXX mobile account associated with my Social Security number. This company is harassing me. Ive told them multiple times it is not my debt to please remove it from my credit report. My information and data has been leaked 39 times and sold on the dark web. Plus, its over two years old and the federal statute of limitation on a cell phone bill is only two years This is obviously a fraudulent account and a fraudulent attempt to collect a debt. Id like it removed immediately.
|
| 07/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX Account XXXX On XXXX, A company shown as CONVERGENT OUTSOURCING was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
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| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I received a bill from XXXX in XX/XX/2023, but it did not provide a breakdown of charges. I called XXXX to request the statement of charges, but I did not receive it. In XXXX, I got my credit report which included a collection. I wrote to the collection agency to dispute this collection, and after 20 days, I received a final bill from XXXX. However, this bill also did not provide a breakdown of charges, so I have no idea what the {$1100.00} amount is for. I want to clarify these charges because I was not under contract with XXXX, and I sold my previous device to a retailer in exchange for credit toward a new phone. My new carrier, XXXX, checked with XXXX and confirmed that I did not owe anything. Please assist me in verifying these charges, as I genuinely do not understand why I owe XXXX.
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| 03/21/2017 |
Yes |
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- Incorrect information on credit report
- Reinserted previously deleted info
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Web |
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CONVERGENT OUTSOURCING, INC. Has put an " open '' collections on my XXXX credit report. This is a OLD Collections account which was originally from XX/XX/XXXX and was and is a " REMOVED COLLECTION '' as of XX/XX/XXXX.
XXXX XXXX XXXX {$530.00} this is the removal info on my credit report. now this company CONVERGENT OUTSOURCING, INC. has illegally changed the OPEN date on this same old account from XX/XX/XXXX to XX/XX/XXXX and last reported on XX/XX/XXXX. this is a debt buyer company and have SEVERAL Complaints against them.. they have " PARKED '' as they say this old Removed Collection account on my report. and its only showing on my XXXX report as I believe its harder to get items disputed removed. I just checked my full free credit report last week and this collection was not on there!
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| 08/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I ordered XXXX cable/internet service in XXXX 2013 for my apartment. I cancelled service and returned all equipment in less than XXXX days, and have been told on multiple occasions by XXXX representatives that I did not owe any money because of their " 30-day money-back guarantee ''. I received several bills afterward and have been harassed by debt collection agencies ( multiple phone calls a day ) for the past two years regarding a ~ {$200.00} debt I do not owe. Every time I reach out to XXXX they confirm that they see on my account that my equipment was returned in under XXXX days and I should not have been billed. They also continue to promise me that they would clear my account, yet the harassment continues. I have wasted countless hours dealing with this issue for the past two years.
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| 02/27/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been disputing this collection account on my reports with Convergent Outsourcing for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
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| 02/11/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I cancelled my service with XXXX after over 10 years, and they have the nerve to be billing me {$300.00} a bogus random number they've come up with. Now I see why people get Prepaid Cell Phone Service so these companies don't have access to their credit reports, and social security numbers.
Now, they have so called outsourced the debt, and now another company, Convergent, is trying to bill me for the same debt again. The companies are really something.
XXXX has shut down my access to the website, so I can't log in to see what my so-called charges are. I have returned all equipment to XXXX through the XXXX store they requested and need some help getting these people to return my account to zero. I closed my account in good standing.
I do not owe either of these companies any money.
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| 01/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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I had settled an account with XXXX XXXX on XX/XX/2018 in the amount of {$100.00} for an outstanding balance with XXXX totaling {$260.00}. Had I known that this third party collection agency had no authority, other than to report weekly the information that my account is cleared with them, to remove this pestering collection away from my credit file. I had been transferred 5 times total, to be told to call XXXX and then to call XXXX XXXX again to finally become informed of that there is nothing else they are able to do. XXXX has its own collection policy that I was unaware of and to my understanding I should no longer owe another {$160.00} if the collection agency only settled for the {$100.00}. To add, I do not plan to EVER reinstate services with XXXX in neither the near nor far future.
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| 08/16/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In response to prior complaint ( below ), XXXX stated that my account was closed and there was no remaining debt ( XXXX case number : XXXX ). Nevertheless, I continue to experience extreme harassment by collections agencies for these charges. Due to lack of coverage and fraudulent advertising of coverage maps, I canceled my XXXX XXXX account. This was followed up with a letter from a collections agency ( XXXX XXXX XXXX ) for {$120.00} for my XXXX account. XXXX did NOT notify me at any point of this balance before forwarding to collections. Upon contacting XXXX, they refused to provide the basis for this bill, or a rationale for using a collections agency before notifying me. They further refused to state whether the bill was valid and could not tell me what account or service it was for.
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| 05/20/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My dispute is regarding a collection account showing on my credit report from Convergent Outsourcing , Inc in the amount of {$7000.00}, originally from XXXX, which I do not believe I owe. I have disputed this account directly with them and even hired a company to assist me with no result. They were informed that I dispute the debt and that I never received proof that I owed this debt, they were also informed that I will not pay until I received proof that in fact I owed XXXX {$7000.00}. Still they continue to report this account on my credit reports and this situation have negative impacted my credit and have created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you
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| 09/06/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I pulled a copy of my credit report and noticed that there was a collection reporting with XXXX XXXX. I did dispute the account with the credit reporting agencies because the account is not mine. I have never had XXXX service my entire life so I do n't know how they reported the false information. The three bureaus did remove the account. I thought it was said and done. Then I received another credit report and now Convergent Outsourcing is reporting the same exact account with a new open date. This is absolutely maddening. If they would use my social security number and birth date the would see it 's not mine. They are only going by my name which is common. I am very upset because I pay my bills on time and now because of their error it 's affecting my ability to make a financial move.
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| 03/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Today I received a letter from Convergent Outsourcing, trying to collect money for a debt I paid off and had removed from my credit report years ago. When I called, I told the representative that the debt had been paid and that the statute of limitations had passed regardless. I asked for a supervisor and a fax number to send proof of payment and I was hung up on. This happened three more times, along with threats of arresting me and a court case pending. The debt was owed originally to XXXX, who I called to ensure I did n't owe anything further, which was confirmed. To be treated snidely and threatened even if I still owed would be inexcusable, but this is just plain XXXX and I ca n't imagine how many people have actually been bamboozled by these people. Please do something about this.
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| 02/11/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I discovered the alleged debt while reviewing my credit report. I have received no contact by phone or mail from the identified debtor regarding the alleged debt and believe this was negatively reported in violation of the FDCPA.
Convergent XXXX began reporting XX/XX/XXXX that an alleged debt of {$110.00} was owed to original creditor XXXX XXXX and has continued to negatively report said alleged debt each month to present. I have not had an account with XXXX XXXX since XXXX when my XXXX XXXX XXXX was discharged in XXXX. I have no knowledge of this alleged debt or when Convergent XXXX acquired alleged debt as no communication was attempted with me at any time by phone or mail and the alleged debt reported may be an attempt to re-age and collect a debt that was discharged in bankruptcy.
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| 09/15/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Received a letter on XX/XX/XXXX from XXXX on behalf of XXXX XXXX XXXX stating I owed XXXX {$7100.00} I responded to that letter with a VERIFICATION OF DEBT.
Verification of debt was never received nor was any other correspondence.
Another letter was received over a year later on XX/XX/XXXX, from a new debt collector CONVERGENT OUTSOURCING INCXXXX requesting the same amount {$7100.00} I responded to that with a similar letter requesting to get DEBT VALIDATED.
Today XX/XX/XXXX, I received another letter from CONVERGENT OUTSOURCING INC. requesting that I provide the following : 1. Complete affidavit 2. Copy of driver 's license 3. Police Report 4. Proof of Residence I refuse to provide any information to any debt collector until the debt has been validated and the proof is provided.
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| 10/30/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Older American |
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In XXXX I changed my service from XXXX XXXX to XXXX XXXX because I could not afford the high bill and I was XXXX years old, collecting social security. I received a huge bill not accounting for the charges. I asked for proof of the charges and never received anything. Then, now in XXXX, 8 years later in XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc., trying to collect {$540.00}. After several attempts, being put on hold, disconnected, then referred to Texas, I spoke with XXXX XXXX, advised her this was 8 years ago and I never received proof of charges and was not paying and I would refer to my attorney. She was very rude. I am almost XXXX, XXXX XXXX and live on a low fixed income. Please help me if you can. I am sure the statute of limitations after 8 years has run.
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| 12/20/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I looked at my credit report on XXXX/XXXX/XXXX to see an account in collections, XXXX XXXX ( XXXX ), reporting an account to collections that I have never heard of before.
I am in the process of purchasing a home and do n't think its fair that a company reports an item on my credit report without providing any written notices to dispute it. This is in pure violation of section 809 ( a ) of the FDCPA : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- '' I have the right to sue this company for improper adherence to the laws that govern them.
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| 10/25/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I received a letter from Convergent telling me my account is placed for collection. They provided no information as to what the debt is, they left the creditor name blank, they spelled my name wrong, and the letter they sent was dated about a week before I received it ( XXXX/XXXX/XXXX ) I do not believe I owe this debt. I sent a timely letter informing them as such XXXX XXXX/XXXX/XXXX XXXX, and requested additional information about the debt, and officially disputed the debt.
I have not received the additional information I requested, and they continue to attempt to collect the debt by phone.
Instead, they continue calling me and leaving incomplete phone messages.
I do not wish to be continuously harassed by telephone while they ignore my letter requesting additional information.
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| 03/10/2016 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a letter in the mail stating I owe {$1800.00} to XXXX XXXX and/or Convergent Outsourcing, with the original creditor being XXXX. I have NEVER had any account with XXXX, let alone even knew such a company existed. This is a completely fraudulent collection done by a company in plenty of legal hot water currently. Maybe they are fishing for 'free ' money from unsuspecting consumers by mailing out fraudulent collection notices to people. I demand both XXXX XXXX and Convergent Outsourcing to cease and desist with this fraudulent collection, or I WILL seek legal representation. A collection agency can not just send out these letters claiming people owe an exorbitant amount of money to them without any legitimacy and hoping uninformed people will just pay to protect their credit!!
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| 11/03/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I received an alert of an account on my consumer report and notice a collection from Convergent Outsourcing dated XXXX.According to my report, the account was opened XX/XX/2021 and i've never been notified of this. So I sent out a validation letter along with a cease and desist letter XX/XX/2021 certified with a delivery received slipped. A rep from Convergent by the name of XXXX XXXX called me about the account. He asked if i was the person at that address. I never verified my name with him or my social. The address he provided was not my address, never have been. He goes on to say he have the wrong number and hangs up. They sent a letter back with a bill they say i owe which i do not because ive never lived at the dwelling the have associated with the account and that's not my name.
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| 08/19/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is regarding the letter for debt collection that I have received from Convergent Outsourcing, Inc. with regards to the creditor XXXX XXXX. The provided client account number is {>= $1,000,000} and the convergent account number is XXXX. for {$76.00}. I would like to bring to your notice that I do not owe any debt and this attempt to collect is harassment by XXXX XXXX and Convergent Inc. I have neither received any service provided by XXXX XXXX. The order that was placed on the website was duly canceled due to poor customer care service and none of the products were delivered and no has been activated or used. A charge back has also been raised with XXXX XXXX at the same time and I won the case. This attempt by XXXX and Convergent equates to harassment for collecting debt not owed.
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| 07/31/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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convergent outsourcing just reintroduced a debt that had been investigated and removed from my credit report. they also reported this account as opened as of XXXX XXXX,2017 which is totally false and misrepresentation of a single true fact .dont know whos account and they are claiming to have received payments on this account then they need to go back and check form of payments and or authorized signatures .XXXX XXXX,2017 i was and still am in XXXX ga.THEY AND XXXX XXXX SHOULD BE INVESTIGATED AND NEED TO NOT BE ABLE TO JUST ADD THINGS TO A PERSONS CREDIT REPORT AT THEIR LEISURE THEIR AUTHORITY SHOULD BE REVOKED. THE BALANCE IS XXXX $ AND I HAVE NEVER RECEIVED NOT ONE INVOICE ACCOUNT NUMBER NOTHING CONCERNING A REVOLVING ACCT THAT PAYMENTS WERE MADE AND I KNOW ABSOLUTELY NOTHING ABOUT.
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| 07/10/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received notification on my credit report that I had an account in collections from XXXX XXXX 2 weeks ago. Until this point I had no idea there was any owed balances to XXXX. When I called I found out the debt is supposedly from 2013 for {$460.00}. I was unaware of this balance and have not received any notification about this matter. I never received anything from the collection agency XXXX XXXX notifying me they were trying to collect a debt, it just showed up on my credit. The only way I found out what agency reported the debt was by contacting XXXX XXXX. This debt is supposedly from 2013 but is just now showing up on my credit report after 5 years. With no notification from the debt collector I wasnt even aware there was a collection or had the chance to rectify if there was.
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| 06/06/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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I was contacted over a year ago about this particular debt! I contacted debt collector at that time to get info on what debt was. The company only new the company they collected for so I contacted them about the debt. This company that I contacted did n't know anything about it, and they did n't even have my name on file! They told me to file fraud report with police and I did with XXXX XXXX sheriff 's office. I had n't heard anymore until X/X/ 17 when I received another letter from another collection agency wanting to collect for the same co. I again called the company who supposedly wanted money and again they showed no record of me and of coarse no money owed from me. This is showing up on my credit report and it is false, I am listed with collection agency for no reason.
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| 12/21/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX acct # XXXX. For several years they have tried to collect a debt for a fraudulent account opened in Illinois. I have never been there much less lived there. I have endured collection agencies and submitted their so called fraud packet. Convergent Outsourcing is their debt collector. All say I either have to pay or submit a fraud packet. I have twice. I just got off the phone with a CSR based out of the XXXX. In frustration, I asked for a supervisor. He advised one was not available and simply hung up. Is this reasonable? I am trying to get a mortgage and this 200.00 fraud account is holding me up. Do I just have to pay because XXXX is big and can simply bully their way to getting money? For the record, I have XXXX other XXXX accounts that have always been in good standing.
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| 07/09/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Approximately around XXXX or XXXX of XXXX I noticed a debt collection from Convergent for XXXX XXXX in the amount of {$290.00}. The account open date on the credit report is XX/XX/XXXX. I dispute this item with all three credit bureaus on XX/XX/XXXX and the dispute was returned verified, however the requested copies of my wet signature for this account was not received from the verification of this account. In addition, the date the account was opened I was no longer living in the area that XXXX XXXX services.
On XX/XX/XXXX I sent a certified letter to the collection agency. The collection agency received the letter on XX/XX/XXXX and I have yet to receive a reply from them. All documents will be attached.
Thank you advance for your prompt assistance and attention in this matter.
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| 09/25/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX has attempted to collect XXXX dollars from a cable bill from Oklahoma. They have used 3 different collection agencies and every time I get this item removed as not being mine ( identify theft ) when the new collection agency gets it I have to speak with the 3 bureaus and write to this board. I do not owe this debt and I have never lived in Oklahoma. There has to be a law against those type of harassment by XXXX XXXX and the most recent Debt collector. Originally I had also filed with the XXXX XXXX in XXXX, Florida a police report to dispute the original collection attempt.here is the name of the new agency : CONVERGENT OUTSOURCING Past Due Amount : {$1700.00}. My phone is XXXX. This has lowered my Credit score from XXXX to XXXX and you can imagine is causing me heart ache.
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| 11/05/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I received a bill under previois married name from 2007 that i was unaware was even associated with me. The collection agency is Convergent in XXXX Wa. I've only recently signed up for XX/XX/XXXX in the past 3 months. Upon numerous attepmts to speak with Convergent ( any info I enter sends me to voicemail saying there's no one available to speak to ), i got ahold of XXXX. The representative told me this was from 2007 and in my previous married name. I explained i wasn't even aware of this account and if the debt was from 2007 how the XXXX are they attempting to collect more than 12 years later. The letter offers a 3 payment options and states they are not required to offer this to me and if i dont comete 1 of they're options ( or contact them ) they will proceed with further action.
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| 05/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I previously had an old collection for XXXX XXXX on my credit report which I diputed due to the account not being mine. the collection was deleted from my credit report in XX/XX/XXXX. In XX/XX/XXXX I received several notifications through my credit monitoring phone applications the I had a new collection on my credit report. Upon researching I noticed it was XXXX XXXX trying to collect a debt in the amount of {$780.00} for XXXX XXXX. I have never had XXXX XXXX, so Disputed the collection and I got a response stating the collection is " accurate '', which it definitely is not, again I have never had XXXX XXXX services. Convergent is stating the debt is from XX/XX/XXXX which again is completely false. I tried reaching out to XXXX XXXX and was unable to get any information from them.
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| 07/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Older American |
|
A Debt Collector, Convergent Outsourcing, is reporting to credit agencies that I owe " XXXX '' {$2900.00}. I never had an account with XXXX, nor have received any communication from Convergent Outsourcing. Upon calling Convergent Outsourcing at ( XXXX ) XXXX, the phone number they listed on my credit reports, and provided them with the account number they reported on those reports, XXXX, Convergent Outsourcing said they could not locate my account, and the number provided was wrong. I also called XXXX at XXXX, and they said that the account number was not even the correct number of digits, and that they do n't have any account under my name. I never received any letters or calls from either Convergent Outsourcing or XXXX leading up to this. Thank you in advance for your assistance.
|
| 11/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I am having an issue with a debt being reported to my Consumer credit file by XXXX XXXX on behalf of XXXX XXXX The bill shows an unpaid amount of {$2700.00} dollars and this is grossly inaccurate. I have repeatedly asked XXXX for an itemized listing and documentation in regards to this account and amount. XXXX has not been forthcoming with the information requested. XXXX can not find my file with my information, SSN or other identifiers.
XXXX XXXX has not complied with my request to verify and validate the manner in which they have concluded that I owe an amount that XXXX can not verify.
I am asking the CFPB to intercede on my behalf. The collection account is reported illegally and unethically and I am asking for it to be investigated and removed from my consumer credit files.
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| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
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My wife received a letter from an alleged collection agency informing her of a {$140.00} XXXX dept. She was offered a settlement payment of {$29.00}. We have never had an XXXX account. I XXXX the company name and learned of several consumer complaints who reported being in the same position as my wife. Some of the consumers reported phoning the company, where they were either informed that there was no dept. or told of the dept in a threatening manner. Complaints of returned calls from the company harassing/threatening were reported. For this reason, we have not made contact with the company, choosing to, instead, to pass this info on to you. It be important to note that my wife and I are senior citizens, retired and living on fixed income. Your assistance is greatly appreciated.
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| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I have reported identity thief due to lost of ID and Social security card and rerouting of mail. I reported it to the FTC more than once and my credit is not being protected. XXXX until XXXX I still have someone applying and paying credit in my name. I have attempted several times to inform the credit reporting agencies, of this issue in which in return they have told me my social name and address was to to create the profile. I also provided the FTC report in return they told me was not vaild, now i have several debts on my credit report that does not belong to myself. In return I only own 2 credit cards which belongs to the company XXXX XXXX. The credit freezes on my credit report is not being use as the attempts are still being made to apply for credit by the unknown persons.
|
| 10/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2018 Convergent Outsourcing received a collection account from XXXX for a past due balance of {$650.00}. I contacted Convergent Outsourcing several times via phone and regular mail in regards to validating the debt. Finally, I got someone who was able to help. The representative by the name of XXXX, stated if I pay the amount in full it will be deleted/removed from my credit. On XX/XX/2018 the account was paid in full, but still remains on my credit as paid with a XXXX balance. I was promised that this would be deleted, but I keep getting the run around about who suppose to have this removed. Convergent tells me XXXX has to have it updated. XXXX states Convergent has to have it removed. I am tired of getting the run around to have this deleted from all 3 credit bureaus.
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| 05/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On my credit report I have a collection debt of {$590.00} from the company XXXX XXXX it says the account was opened XX/XX/XXXX so its been open for a year and 3 months. The original creditor is XXXX. I was never told it was going to collections and its affecting my credit score. I would like it removed. I havent had a XXXX account since XXXX so i dont know why its still on my credit report. I also have a complaint with XXXXXXXX XXXX XXXX. and I have a collection debt of {$350.00}, it says the original creditor is XXXX XXXX XXXX XXXXXXXX. I have never in my life heard of this creditor called XXXX XXXX XXXX XXXXXXXX so I dont really know why its on my credit report also. this has been on my credit report for 2 years and 5 months I would also like this off of my credit report also.
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| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I recently received an alert that a collection was added to my XXXX, XXXX, and XXXX credit report. The report showed a collection from XXXX XXXX XXXX XXXX, stating that I opened an account with XXXX on XXXX XXXX, XXXX, and owed a balance of {$660.00}. I contacted the collection agency and told them that I 've never had a XXXX account and that I do n't owe them {$660.00}. I also asked them to provide me with proof of a written contract stating that I opened a XXXX account on XXXX XXXX, XXXX, and they refused to provide me with such documents. I also called XXXX, XXXX, and XXXX to dispute the collection and the collection was removed from XXXX, but not XXXX and XXXX. Please have this collection removed from my credit report because it is making a very negative impact on my credit.
|
| 09/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Company at center of complaint : XXXX Issue : I received an email notice from a debt collection company about a XXXX bill from when I closed my account. How did my bill get to collection when I have gotten not one email or piece of mail from XXXX about my account and its remaining balance if there was one. I have no issue paying my bill, but to ruin my credit when Im trying to rebuild it without notifying me I owe them is a problem. They need to undo this collections and allow me to pay them fairly. I called to resolve the issue three times and they have either told me they will transfer me to a manager and send me to their voicemail, complain that the line is bad and that they will call me back or put me on hold and the call magically drops.
Customer with complaint : XXXX XXXX
|
| 05/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
To Equifax To XXXX To XXXX XXXX XXXX.D.O.B. XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXX number : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of Convergent Outsourcing. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and Convergent Outsourcing to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requested ... PLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof.
Thank you XXXX XXXX
|
| 12/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been paying monthly to XXXX on a closed account however they sent me to collection agency anyway. I have not even received a bill from collection agency as of yet to even have info to send a payment and just paid {$100.00} to XXXX in XXXX. This collection agency calls me XXXX times a day using various numbers. I have spoken to them advised I had been paying an amount each month that I could afford although I am out of work due to illness. Agent advised the amount I was paying was not enough and they would continue to aggressively seek a higher amount. I 've asked they stop calling because I was aware and paying what I could. They advised they would continue to call everyday until I set up a payment plan that was significantly higher than what I can afford at this moment!
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX Bad credit report from convergent outsourcing for unpaid sprint bill I paid it up in full on XXXX Confirmation # XXXX of payment for Convergent outsourcing XXXX agent Name : XXXX XXXX She said can't email confirmation so above is the confirmation number.
XXXX i called XXXX to remove bad credit report they said convergent outsourcing put in on their responsible to remove it.
XXXX spoke to : XXXX XXXX XXXX Supervisor Convergent outsourcing handles sprint accounts Asked her to remove the negative report from my account she declined!
i was hit with over XXXX points going down my score! and negatively effecting my credit, essentialy Locking me out of functioning financialy.
I had an excellent credit over 770!
Now i got hit like crazy showing credit score is now XXXX!!
|
| 01/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a letter from the company called convergent outsourcing inc. they are claiming that I owe {$1600.00}. XXXX cents and they are saying that it's from an investment in a company called XXXX XXXX XXXX. I do not owe this debt I do not know this company. They also say the original debtor or creditor was XXXX XXXX XXXX who I contacted and they said that they don't loan money their debt or bad credit repair service. So I contacted convergent and I told them that I don't know anything about this debt and they've got the wrong person and they wanted my social security number and I declined to give it to them and they said have a good day and they hung up. They need to provide more information about this debt before I submit to any more questions about my personal information.
|
| 02/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I receive a letter from XXXX XXXX about a debt they said I owed. I have no accounting of such a debt being owed to them or the original creditor. So I sent the a Debt Validation letter via Certified mail on XX/XX/XXXX and was signed and delivered on XX/XX/XXXX. To which I never received any response and then today I go onto my credit report on XX/XX/XXXX and see that they have been added to my credit files ( XXXX, XXXX, and XXXX. According to the law they can not report a debt that they never sent a validation for. When I received the letter I sent certified mail a validation letter which they ignored. Now by placing this debt on my credit file they are breaking Federal Law. I expect this to be removed immediately seeing as they are violating FCRA and Federal Law
|
| 06/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a collection alert from a credit monitoring company in XX/XX/2023 for XXXX XXXX XXXX ( who I have never purchased anything from ), or a collector that they have hired, for an electric bill in XXXX XXXXXXXX XXXX I have never lived in XXXX XXXX nor to my knowledge have I ever been there. I called the collection company, Convergent Outsourcing, in an attempt to resolve, the problem and was told to submit a dispute with the credit bureaus. After multiple disputes and some success the collection persists. I never received any kind of phone call or other kind of verification from XXXX XXXX that I was activating an account nor did I receive any notification from Convergent Outsourcing. I do not understand why the burden of proof lies upon me to say this is not my account.
|
| 02/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX XXXX XXXX came into an account and contract that was owned by XXXX. On XX/XX/XXXX, the account is placed on my credit reports. There is no warning, no letter, and how they have tied this account to my identification is a wonder they still have not explained. I have sent 2 faxes to the fax number attached to their company in Washington. I have also sent 2 letter. I never received a letter informing me of this account because I would have easily been able to disprove it being mine. This is the lone collection on my reports and it has shot my score all the way down. XXXX XXXX has been completely reckless in it's handling of my personal reports. I have no contract to pay XXXX XXXX ANYTHING and they have no legal leg to attempt to collect as well as damage my report.
|
| 07/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2014 I allowed my contract with XXXX to expire to seek phone service elsewhere. XXXX assessed early termination charges that I believed to be inappropriate. I repeatedly requested verification of the basis for charges. XXXX repeatedly failed ( refused ) to provide requested verification. Ultimately, XXXX sent the charges to collections. I have now responded to the following collection entities ; XXXX, XXXX and now Convergent. In each instances I have rejected settlement offers pending verification of the basis of the debt. Thus far XXXX and XXXX have apparently abandon their attempts. The most recent attempt was made by Convergent. I have responded as indicated above. I am hopeful that some final resolution can be enforced by the Consumer Financial Protection Bureau.
|
| 02/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I viewed my credit file and found an account from a company I have never heard of. Convergent Outsourcing. I have never applied for credit with this company and do not know who they are. I understand they are supposed to send me written notification if they legally intend to credit report in my name. They failed. I have since written them requesting validation of this account, again, they have sent me nothing, failing in their obligations. I am appalled at their lack of communication. I am desperately trying to find someone to help me, as a consumer, it should not be this difficult to obtain information from someone reporting information about me. I have read the the FCRA and FDCPA were written to protect me from this exact thing. I have also read that ONLY YOU CAN HELP ME!
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordance with the fair Credit reporting act. This List of account below has violated my federal privacy and confidentiality under 15 USC1681.
Convergent Account # XXXX has violated my rights.
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.
15 U.S.C. 1681 section A section 2 : It also states a consumer reporting agency can not furnish a instructions.
15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a person knows or has reasonable cause to believe that the information is in accurate.
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been working with XXXX XXXX XXXX regarding the account they sent to collections, the amount was paid off back in XX/XX/2019 as contingency of signing up for new Internet service, the account had to be paid in full in cash at one of their branch.
I made a payment of {$290.00} in cash, XXXX never send me a bill or notice of account being outstanding. I have a new account with them. XXXX is not able to fixed the account as the payment was made in cash at a branch, the collections department at XXXX has submitted an amnesty to remove the account from collections the confirmation number is XXXX.
Convergent Outsourcing the collections company is refusing to accept the information provided to them and insists the debt still stands and is sending me collections letters.
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a copy of my credit reports from all three credit reporting agencies. I noticed that there was a debt on there for cable services for an apartment that I never lived at and I have filed a complaint for that as well as my signature was forged on a utility billing addendum and I have provided proof that it was not me that agreed to that debt. I have contacted all three credit reporting agencies and they had the collection agency send a copy of a cable bill but as I said, there is nothing with my signature on it and anyone with your personal information can sign up for cable services or any utility service for that matter and not show identification. I never lived at the address where services were rendered and I need that debt to be removed from my credit report.
|
| 03/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The phone comes up on my caller ID as Convergent. I saw they had called me a couple of times in a day and I went and looked them up. I found that they were a supposed debt collection agency. Most of the information I found lead to me doubting their authenticity. Since then, they have been calling me everyday, once in the morning and once in the afternoon. This has been going on for a little over two weeks ( since the beginning of XXXX ). I am up to date with all my payments, I have never had a late payment, and the medical bills Ive had I had set up payment plans and have payed them off on time. Therefore, there is no possibility of being called by any debt collector. I have an impecable credit history so i very much hope that these false claims stop and do not affect it.
|
| 04/20/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Convergent Outsourcing Inc contacted me regarding a XXXX XXXX Account Number XXXX and an outstanding payment of {$92.00}. When I contacted XXXX they had no record of this. They could not bring up the account number of the pending amount. Moreover all my XXXX accounts are on auto-pay so this was a big surprise.
Convergent Outsourcing Inc has been falsely collecting or pretending to collect bills on behalf of companies. They should be reported for fraud and investigated. I have sent them a copy of my transcript with the customer service rep who mentioned he could not pull up any account # or past due details. I was never contacted by XXXX and yet randomly got a bill from convergent LLC.
Convergent Outsourcing Inc XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA, XXXX
|
| 11/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.
My request for the correction and removable of the erroneous information about the CONVERGENT OUTSOURCING account has been diligently neglected by XXXX and XXXX. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 05/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a mailing XX/XX/XXXX from Convergent Outsourcing Inc.stating that I owed, XXXX for Original Creditor XXXX Calling Card Classic. And if paid within 60 days, I only have to pay XXXX. I called and spoke with, XXXX XXXX, XXXX XXXX, and XXXX XXXX, All of which had numerous guesses as to what this was actually regarding but wanted to know all of my financial information and social security number right away. Finally, XXXX XXXX 'guessed ' that this was an old credit card debt from XXXX? I don't nor have I ever had an open credit card, that isn't current and up to date from XXXX. He then said 'oops ' and responded that he will just put in his 'fraud file '. I have never had any accounts associated with calling cards, XXXX classic or credit cards that were delinquent.
|
| 04/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I work for the XXXX. This collection agency is constantly calling my office phone as well as my work cellphone trying to contact a person that I have never heard from. I have explained this to them several times both in person and by leaving messages. The last time I spoke with someone there I again explained that there is nobody here by that name and to please remove both of the numbers from their call list and that these are XXXX business numbers. While explaining this to the agent she was giving me attitude and humming " mm-hmm '' and when I asked if she did n't believe me and told her I was going to file a complaint she hung up on me. The phone calls continue and every night when I come in to my office there are messages from this agency, sometimes 3 to 4 in one day.
|
| 08/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I recently changed wireless carriers from XXXX to XXXX XXXX XXXX XXXX Of course, this was not without hiccups and challenges. While waiting for my final bill ( but not being behind on the XXXX bill at all ), I received a collection notice from a company called Convergent. My account was not yet even 30 days from the final bill and I still have not received said bill. I had made at least one payment toward the bill directly to XXXX less than 5 days prior to receiving the notice from Convergent, and XXXX has verified that I my account has not been written off or put into collections. Despite this, I am fully aware that Convergent had to get my information from somewhere. With this reason, I would like to formally file complaints against both parties, XXXX and Convergent.
|
| 05/15/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello- I'm filing this complaint because XXXX is trying to collect a debt that we don't owe.
Here is what happened : We had asked XXXX to terminate our connection on XX/XX/XXXX as we were moving out of our then home at XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Illinois. XXXX did not act on this and kept billing us over and over again. Until they finally cut our service. I called them numerous times for an updated bill, they didnt respond to this as well.
I called their customer service ( name, date ) : XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Im spending my time on this for their inability to work through these things. This is seriously stressing me out.
Our XXXX account number : XXXX XXXX XXXX XXXX Our debt collection # : XXXX I hope proper action is taken.
Thanks!
|
| 01/30/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Older American |
|
This is XXXX XXXX XXXX and send XXXX records to XXXX XXXX XXXX XXXX, XXXX, IL XXXX for bills from XX/XX/XXXX So that my XXXX account can back to XXXX score. XXXX sent the bill to you XXXX in XXXX. That is when I started a second account and XXXX did not tell me what they were doing.
In spite of this XXXX XXXX will contact you about this matter if it is not resolved within 10 days of this email. XXXX has relinquished my information with out my knowledge and if not done in written form, I will forward this matter to my legal advisor in Kentucky Please be advised to contact me about this concern A $ AP. My phone number is XXXX XXXX provider from financial care department XXXX in order to clear up this matter.
Thank you Very much, XXXX XXXX XXXX, XXXX XXXX XXXX mobile ph
|
| 04/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My wife and I have good credit, and no outstanding debts from any source that I'm currently aware of.
I'm aware of Convergent Outsourcing Solutions, and their debt collection agency, so when they called ME and asked me to verify MY information, without any hint as to why - I grew very suspicious. I asked for their phone number ( XXXX ) and her Supervisor XXXX XXXX XXXX XXXX. I asked what the nature of the call was about and she said it was about " private business matters '' and became pushy. I told her I wasn't interested in confirming identity unless I knew the nature of her business, to which she rambled for a moment claiming legitimacy of her company. She still would not answer my questions about the nature of the call.
I hung up, and told them not to call back.
|
| 04/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received a collections credit alert on my credit report from XXXX XXXX for {$910.00} dollars. I contacted them and asked them to verify the debt, including agreement that authorizes them to collect this debt, the agreement which bears the signature of the debtor and the complete payment history which shows the amount they are truing to collect is valid.
On XX/XX/XXXX, I received a canned letter from XXXX XXXX stating the debt was verified and a single page from a ( XX/XX/XXXX ) XXXX XXXX statement. The information they provided did not verify the debt.
On XX/XX/XXXX, I mailed XXXX XXXX a second request to verify the debt and include the requested items required to verify the debt under FDCPA. They have not responded with the requesting verification.
|
| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX : my account with XXXX goes into default. It appears on my credit reports under a creditor I can no longer recall.
XXXX : no collections on my credit reports XX/XX/XXXX : Convergent Outsourcing sends a letter to my current address XX/XX/XXXX : I receive letter, contact Convergent Outsourcing and XXXX XXXX. Convergent Outsourcing says its not on my report and it is from XXXX. Call XXXX and they claim there is nothing they can do or will do to rectify this XXXX XXXX XXXX XXXX : no collections on my credit reports XX/XX/XXXX : collection from XXXX XXXX XXXX Convergent Outsourcing appears on my XXXX and XXXX XXXX. I dispute on both credit monitoring sites. I call XXXX and they claim I am still liable for this old debt. It is dated on my credit report from XX/XX/XXXX.
|
| 05/30/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I used to have my cell phone service with XXXX . I closed my account and disputed the final charges. The account was sold two two different collection agencies by XXXX . First it was XXXX XXXX and then to Convegent Outsourcing. I worked out a settlement offer with Convergent in Early XXXX , had them debit the monies from my checking account. I then received a letter from them confirming that my debt was settled in full. 15 months later the same collections agency comes back with a new account number and new charges and says I owe more money on the same debt. ( XXXX XXXX ) this company claims I owe a debt that is already been satisfied. It 's not valid. It 's also been added back to my XXXX credit reports. No one will listen to me. It should be removed.
|
| 05/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
On XXXX XXXX, 2016, at XXXX XXXX ET, I contacted Convergent Outsourcing, Inc. at XXXX to request a settlement for a debt. I spoke to XXXX XXXX ( ext XXXX ). He asked if I was authorizing to contact me on my cellphone in the future and I told him no. I contacted Convergent Outsourcing, Inc. again on XXXX XXXX, 2016 at XXXX XXXX ET and dialed XXXX 's direct extension to confirm a settlement letter would be sent to me. Again, I decline to give them permission to contact me on my cellphone.
On XXXX XXXX, 2016 at XXXX ET, I received a phone call from XXXX. I do not answer toll free numbers and let it go to voicemail. No voice mail was left. I did however research the number on the internet and found that this number belongs to Convergent Outsourcing also reported as XXXX.
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pursuant to 18 USC 8, I owe no debt, These companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX convergent outsourcing ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
|
| 03/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Convergent Outsourcing, a collection company assigned from XXXX reports my account as current and delinquent.
This was a XXXX Account that was closed XX/XX/2015. My payment on this account was never late. I closed the account and returned my phones. XXXX reported my account in bad standing before they issued me a final bill or gave me credit for my returned phones.
Every year I dispute this on my credit bureau reports. Every year they report payments history like this was a current or recent account.
My complaint is that the credit bureaus allow this. My perspective creditors don't see a 6-year-old account. They see a newly delinquent account. This is incorrect. XXXX 's name has been completely removed from the history. I never conducted business with Convergent.
|
| 01/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a copy of my credit report today and there is an account on there from this company. I contacted the company and spoke to someone named XXXX ( I believe. He said his name really fast one time and would not repeat it after that ). He advised that they account is from XXXX in the amount of over {$1500.00}! I have NEVER done any business with XXXX nor have I signed any contract the XXXX XXXX. I have been a customer of XXXX XXXX XXXX since 2005. I told the rep that the account does not belong to me and I need verification of the debt and which he proceeded to ask for payment. I declined the payment and the rep disconnected the call while I was still speaking. The account does NOT belong to me and I demand that it is removed from my credit report immediately!!!
|
| 07/21/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Spoke to Convergent Outsourcing Rep informed them that I do not owe the amount they are attempting to collect. Their letter reflects a balance owed in the amount of {$770.00} but the billing records they provided from the creditor XXXX XXXX indicate a balance owed of {$610.00}. There is no explanation for the difference. This clearly violates The Fair Debt Collections Practices Act. I also disputed the equipment charges in the amount of {$420.00} there is no description for what alleged equipment I am being charged for. This account was back in 2017. I do not have a receipt back that far. Convergent is still trying to collect the full disputed balance and has not even corrected my credit report which also violates the Fair Credit Reporting Act, Furnishing False info.
|
| 10/04/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I discovered CONVERGENT OUTSOURCING has re-aged old debt on my credit report. I filed a dispute with XXXX, and it nothing was resolved. XXXX charged off a private student loan debt in XXXX of XXXX in the amount of {$24000.00}, and it has been present on my credit report since. In XXXX of XXXX, I discovered via my credit report, that Convergent Outsourcing placed a collection for a new account in the amount of {$57000.00}. After further research, I discovered the aforementioned charged off student loan has been re-aged on my credit report. The re-aged debt is showing an account opened on XX/XX/XXXX, and late payments were reported in XXXX of XXXX. The current past due balance is {$58000.00}. Please let me know if further information is needed. Thank you for your time.
|
| 06/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have contacted this company 4 times, each time I get a different story. I would like to get this debt settled but XXXX XXXX says that they will not remove or delete this off of my credit file.I have offered to pay them 30 % of XXXX which come to XXXX. I learned they bought this debt for XXXX from XXXX. Everyone I spoke to was nice but was never able to assist me with this issue. I would like this item completed removed from my profile. I have asked them to please send me a letter to my address on their letter head stating that once I pay this amount they will remove and delete this from my credit report. Please help I would like to soon move into a home and this derogatory mark is preventing me from home ownership. Please CFPB I really need your assistance on this.
|
| 04/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Convergent XXXX has knowing and wrongfully placed a collection account on my credit reports with XXXX and XXXX XXXX that does not belong to me, they continual to harass me me for my personal identification information and threaten to take further action against me for a debt I know nothing about. I have not entered into any type of legal or binding contract with Convergent XXXX nor have I subscribed to or received any services from them. The identifying information which was provided to me by one of there collection agent does not belong to me and are not mines and I never have resided in the State, City or address which the agent also provided. The information and account are bogus in nature and deliberately and wrongfully placed on credit reports.
|
| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am a veteran and was offered a 3 line package with XXXX if I transferred my lines. On XX/XX/2021 I tried to port over my wireless cell from XXXX by XXXX to XXXX however they could not complete the port. I was misled when they offered the services. Since the port was not able to complete I never activated the services. In other words, I am being billed for services never rendered. XXXX recognizes that the port was not successful and the account was canceled the same day. I contacted XXXX several times and was advised they will correct the account but have not done so. Now they have placed the account with a collection agency that has threatened to report it on my credit report. This is a clear case of unfair and dece [ tive practices. The amount billed is {$97.00}.
|
| 11/23/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I received a notice of debt from Convergant on XXXX XX/XX/2020, The lettter was Dated XX/XX/2020 on XX/XX/2020 I sent a certified letter via USPS notifying Convergent that I want the debt validated not verified. As of this date, I have not received a letter from Convergant acknowledging receipt of that letter. On XX/XX/2020, I called Convergant and asked if they received that letter, they said that they did and sent out a verification of the debt. NOT a Valiudation. Was told by the rep, that since they do not report to the Credit Bureaus, It was my understanding that they did not have to follow FCRA regulations.The collection agency stated they are representing XXXX and that they were not a collection agency If they can not remove the collection from their database.
|
| 08/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/2019 - I sent a certified letter disputing the account XX/XX/2019 - I received a letter from Convergent Outsourcing with a bill that they claimed I owed {$140.00}. The amount {$140.00} was not an accurate amount according to the bill they provided.
XX/XX/2019 - Convergent Outsourcing received my letter of response stating that by providing a bill was not considered proof per FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX XX/XX/2019 - I receive another the exact same letter as before, claiming that the debt is valid but have yet to provide any proof of my signature or anything. And there is still inconsistency and inaccuracy on the amounts owed.
They have failed to provide any proof of the debt owed besides a bill with no valid signatures or proof.
|
| 04/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Every weekday, sinceXX/XX/XXXXuntilXX/XX/XXXXI have received persistent, aggressive calls and voicemails from XXXX I do not know who this caller is, or what they want. I do not answer unknown callers or their voicemails -- too many robo-scams out there. I have reported this number to XXXX, FCC, FTC, and the Do Not Call Registry ; I have put anti-spyware and call- blocking apps on my phone, bot the calls & voicemails still come thru. I added another call-block app on Monday, XX/XX/XXXX. It failed to block the call/voicemail ; but it showed the name : XXXX XXXX I " XXXX '' the name and found the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX PLEASE STOP THESE PEOPLE FROM BOTHERING ME. I DO NOT KNOW WHO THEY ARE OR WHAT THEY WANT.
Thank you ever so kindly.
|
| 10/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Dear Sir I received a letter in the mail from this company called XXXX XXXX XXXX, and Convergent Outsourcing inc for a debt. They say I owe XXXX dollars for a debt they are trying to collect. The reduced amount is XXXX to settle the debt. I lived in the XXXX XXXX XXXX XXXX for 31 years I paid my bills on time I am a veteran and I worked for the XXXX XXXX XXXX XXXX for XXXX years and the monitored my debt activities and I had to keep my bills paid on time so t could keep my job with the XXXX. I paid my home loan with XXXX XXXX XXXX and auto loan with XXXX XXXX bank. I kept my credit monitored back XXXX XXXX because I was a victim of credit fraud. And the XXXX offer credit monitoring for employees. This letter I received in the mail from them on XXXX/XXXX/2020.
|
| 03/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My personal information was given to this 3rd party entity CONVERGENT OUTSOURCING, INC. that I do not even know or have never had any consumer transactions with them. I received written correspondence from CONVERGENT OUTSOURCING, INC. on XX/XX/2021. They are contacting me about an alleged debt that they say I owe. I have already sent written correspondence about this matter. I feel as if I have been violated which is not a good feeling. Just imagine someone taking something from you without your consent. What would you call that? How would you feel? What would you do? You would probably be doing what I am doing and more. I am so sick and tired of being taking advantage of. Especially when someone is willfully and knowingly taking advantage of me. Enough is Enough.
|
| 04/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received repeated automated calls from several different numbers stating that action was being taken against me. When I press 1 to speak to a person, they say I owe a debt for a credit card that went to collections. Per the attached document, I settled this debt in 2015. Their response was that they don't work on commission so why would they lie. I don't care if you work on commission, I don't owe any money on this account, please stop calling. After several to attempts to explain that the debt is paid, they sent the attached letter saying that due to lack information provided, they have been unable to complete their investigation of my account. I then mailed them the attached letter showing no money due for the account in questions, and continue to receive calls.
|
| 04/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I spoke with XXXX XXXX multiple times over the Spring, Summer and Fall of XX/XX/XXXX regarding an account that was reported to my credit file. I received a letter on XX/XX/XXXX from XXXX XXXX ( listed as Lead Compliance Representative ) stating that the account would be removed from the credit bureaus. The account was in fact removed from XX/XX/XXXXand XX/XX/XXXX, but was not removed from my experian credit file. I have since contacted the debt collector on a number of occasions ( most recently on XX/XX/XXXX ) to attempt to resolve and when I have contacted them I am transferred around multiple times, told that they can't assist me, and/or hung up on. XXXX XXXX is not honoring their promise to remove the account and is not giving me an outlet to resolve the issue.
|
| 09/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Initially I thought this item was a result of unauthorized use because I knew I did not have a balance with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were not.
|
| 12/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
About 6 months ago a collection agency began contacting me about XXXX and stated I owed XXXX over XXXX dollars. I advised that I did not owe XXXX that amount of money. In XXXX they placed a collection on my credit report. I contacted Convergent and advised that they were reporting a debt that is incorrect. They advised that I owed for XXXX lines of service. I advised that even if I owed for XXXX lines of service its no way I could possibly owe {$2300.00}. I requested that they send me an itemized bill of my charges. They said that they would contact XXXX and send me the correct amount. I still have not received this information and they can not provide me with an accurate bill. Also, this account is over 3years old and they have just placed it on my credit report.
|
| 01/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
the company CONVERGENT OUTSOURCING placed me in collection for a debt that I do not have with the company XXXX XXXX, I am currently a client of XXXX XXXX ( I send account statements ) from last of the date they " announce my debit '', and they " CONVERGENT OUTSOURCING '' never contacted me or " XXXX XXXX '' to talk to me about said debt over {$300.00}... I have called them ( CONVERGENT OUTSOURCING ) and also ( XXXX XXXX ) and they do not know how to give me information about this debt that they promote in my credit history, they do not have an account number, they do not give me information no proof about it, I offered to pay them and they can't do it either since they don't have that information either, but they don't remove me from the collection list either..
|
| 02/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, I received a letter from Covergent in XX/XX/2020 stating that I owe a debt to XXXX XXXX XXXX , XXXX in the amount of {$16.00}, XXXX and they are will to reduce the balance to {$4200.00}. It says the original creditor was XXXX XXXX XXXX XXXX. I researched all three company 's and to no avail I'm still not confident this isn't a scam. The letter doesn't disclose the type of debt and what it is for i.e, car loan, cellphone account ect. Very limited information given but they want my credit card information. Seemed fraudulent because I don't owe a debt to anyone. I called to get more information and was asked for my name, address and social security number. I refused and they hung up.
Please report Convergent, XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX.
|
| 02/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days.
|
| 03/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Purchased prepay phone service from XXXX in XX/XX/2022 phone service did not work good in my area so I didn't purchase another prepay card, called XXXX to release my phone number so I could connect to XXXX prepay service, XXXX XXXX XXXX I received a letter from Convergent Outsourcing, XXXX for XXXX and XXXX on XXXX demanding XXXX or they would send me to the credit bureau, I've spoken with XXXX both times after receiving the letter and their response is to just disregard the letter because they don't send paper statements out, but the letter states that by XXXX they would place it in collections, is this legal and can they get away with ruining people 's credit for monies they don't owe, remind you it's prepay service i never sign a contract with XXXX or XXXX.
|
| 09/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I also requested that they cease and desist all collection activity, including credit reporting. I ask them to delete any and all reporting made to any consumer reporting agencies. They failed to address my very specific legal requests and are in clear violation of the FDCPA.
They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.
|
| 01/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I am having a problem with a collection agency by name of Convergent Outsourcing which is reporting information on my credit reports that I do not recognize and which I have disputed prior in numerous attempts to get the debt validated. The company has responded numerous times that they have complied under FCRA compliance but has not ever sent documentation to me in a hard copy format that would explain the debt as my own. It is my belief that I am either being confused with someone else or else that an unauthorized usage has occurred.
Numerous complaints have gone unanswered from my end and the bureaus insist that the collection agency has complied with the law but offer no proof other than the statement. I am asking this agency for assistance in the matter.
|
| 02/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX has placed an illegitimate debt with Convergent ( a debt collector ).
On XX/XX/2017 at XXXX XXXX, I called and some to a representative named " XXXX '' with the service code " XXXX ''. After stating that my account was cleared, there was a XXXX balance and I would incur no charges XXXX refused to transfer me to a supervisor after several requests so that I could confirm the XXXX balance.
Since then, they have placed a debt for collection, presumably reported to credit bureaus, all in direct contradiction of their own representative and to the detriment of my credit history and continual harassment by a debt collector attempting to collect a charge that XXXX XXXX own representative says would not be charged and refused to confirm with a supervisor
|
| 09/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX I received a letter from Convergent Consulting , Inc regarding a debt that is not mine. In this letter it clearly states that Convergent Consulting , Inc and XXXX XXXX can not report this debt to any credit reporting agency. I am going through the fraud channels that they have directed to me to but told me repeatedly that this debt can be reported on my credit report. That clearly contradicts the letter I received and since this debt is not mine to begin with it is very troubling that they will mail me one thing and say another. At the moment the debt in question is not on my credit report ( Debt is dated XX/XX/XXXX from what they told me ). I would like confirmation of what I was told in this letter while I go through the fraud channels given to me
|
| 07/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've contacted Convergent Outsourcing on numerous occasions to dispute this erroneous debt that is a result of identity theft. This debt does not belong to me. I have provided a copy of my FTC identity theft report and all of my correspondence with Convergent outsourcing over the past year! This company remains uncooperative and continue to violate my rights. This is my last attempt to remedy this matter in an amicable fashion. Failure to remove this immediately will result in my suing you in small claims court for your violations of 15 USC 1692 of the Fair Debt Collection Practices Act. As you can see I am keeping a close record of all my correspondence with you and the Credit reporting agencies that conspire with you to harm the consumer. I will sue you all.
|
| 10/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had my credit pulled due to me attempting to purchase a home.XX/XX/XXXX Upon pulling my credit report I noticed an account from XXXX XXXX listed in the amount of XXXX. I contacted convergent and told them it was a fraudulent account. The representation advised me that the account had been verified over a year ago and that the debt was mine. I then spoke with a manager that advised me that I would need to pay the debt in full and there was nothing that he could do. Time and time again Convergent has refused to validate the debt as requested in writing. The first contact was in XX/XX/XXXX. I am a XXXX XXXX XXXX veteran and after serving this country I feel that I should at least be treated fairly and Convergent has not expressed any want to resolve this issue.
|
| 05/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive never had a contract with Convergent Outsourcing, a debt collector, for any debt. I have been asking this company since XX/XX/2023 to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit reports. I have not agreed with any results of their investigation, and they have done nothing to verify. I have been asking Convergent Outsourcing to mail me the proof of their investigation and proof that they, as a debt collector, has a legal right to collect for a debt, or delete this account from my credit profiles.
Furthermore, the address noted for this debt is a fraudulent address that is not verifiable anywhere in the city or state where I reside in Texas.
|
| 08/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have disputed this debt several times. They say they validated the debt. According to XXXX5usc1681b no permission to place on account. Falsely placing is grounds for imprisonment and or {$1000.00} for the violation. The debt is originally from XXXX. XXXX is no longer in operation, so who did you talk to to verify the debt. How can you validate and say the debt is mine. BREAKING PRIVACY LAWS> {$1000.00} XXXX tried to call XXXX to get a resolution. If I can't reach them how are you????
Where is the paperwork that I signed?
I asked them how did they verify the debt and not to send a bill, because a bill doesn't reflect I actually owe the debt.
I want the original paperwork that I signed with wet ink to show I signed it. I want my money for this violation!!!
|
| 10/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX, account # XXXX is wrongfully attempting to collect a debt I do not owe.THE ORIGINAL CREDITOR, XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, XXXX AND XXXX CREDIT BUREAU REPORTS.I opened the account in XXXX of XXXX.The payments made for this account were for usage and a XXXX XXXX XXXX phone.All payments were made on time as I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep., settling the account.He tried to sell me a newer phone, a newer XXXX for $ XXXX.I said I wasn't interested, but there was SALES PERSISTENCE.
F inally he said we will cancel everything and I will not be charged.I kept the same phone number and transferred it to XXXX XXXX.THIS ENTIRE BILLING IS FRAUDULENT!
I owe nothing.
|
| 02/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter in the mail from Convergent Outsourcing Inc. stating I owed {$1200.00} from XXXX XXXX XXXX XXXX XXXX out of XXXX, TX. This is for a house with the address of XXXX XXXX XXXX XXXX, XXXX, TX. I have never lived in or owned property in Texas. I had also never received a bill from XXXX prior to the debt collection notice. I called the debt collection company who directed me to XXXX. When I called XXXX they wanted my social security number and birthdate to " verify '' the account, which I did not give them. They sent me back to the debt collection company who then filed a fraudulent charge claim with XXXX. I have not yet heard back but did notice that this alleged delinquent payment and collection action is showing up on my XXXX credit report.
|
| 05/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX working as an agent for XXXX XXXX XXXX, Offering to settle an account with XXXX XXXX XXXX XXXX, XXXX This account was settled and Dismissed on XX/XX/XXXX thru local court. I received a Notice Of Dismissal from court signed my local judge and attorney for XXXX XXXX XXXX XXXX, XXXX I answered the letter and enclosed a copy of the notice I assumed this would resolve the issue. I heard nothing until today when I received another collection notice even though I had sent them a copy of the Dismissal They stated they were willing to settle for 35 % of original amount. Once again I sent them a copy of the notice. This is not right and I am not happy about what I consider an attempt at fraud
|
| 11/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted convergent outsourcing by mail to verify and validate a debt. I received a response the beginning month of XXXX with just a bill copy. The amount of XXXX This no real proof that a bill is mine simply because my name is on a bill. I want real proof that this debt is mine such as a signature, e signature, copy of my identification proving this debt is mine. If this can not be provided i would like this debt to be removed from each credit bureau it is reporting to and not to be added back with another collection agency. This debt that is reporting on my credit report is severely damaging my credit worthiness. I demand proof in writing by mail that this debt is mine or remove it! And once it has been removed immediately notify me by writing in mail.
|
| 04/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2022, a XXXX wireless service was canceled over the phone. The customer service representative told would send the bill to pay any final balance on the account.
On XX/XX/2022, according to the letter received from Covergent Outsourcing , Inc. from XXXX, WA. sent a collection letter for the canceled account from XXXX.
I am writing because XXXX never informed me that the account would be forwarded to the collection and never attempted to collect the bill before sending the account to collections. They canceled the service, and five days later, the account was sent to collections without any information.
The balance was paid on XX/XX/2022. I am just upset about the procedure by XXXX by sending to collection my account without any notification.
|
| 02/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter that is asking to collect a debt for what looks to be a credit card. The collection is supposed to be associated with XXXX. The card number starts XXXX, which is typically with XXXX. I contacted XXXX because I have only had one credit card with them and they have nothing else under my name or social. I contacted them today, XX/XX/21. I also researched and see that this company XXXX Convergent XXXX generally has a client reference number in the upper right hand corner and this letter I reviewed does not. I received the letter today XX/XX/21. The letter immediately asks for a reduced settlement amount and an apartment number. I dont have an apartment number. The contact number is XXXX and the address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX
|
| 06/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Convergent outsourcing has failed several times to validate my debt. They illegally report to a credit bureau without any proof. I have sent multiple validation letters and received nothing back. I have proof of every letter sent with nothing being returned. When I file a complaint they say the debt was with another company that they are representing. I have not seen any proof. Show me a legal validated response. Show me my signature saying I owe. Show me how I came to the number I originally owed. Show me a contract I signed. You can sit here and give your false statements all you want but you have no proof. I want to see proof. FCRA has laws in which you need to abide. Show me a contact with my signature on it and if you cant then it needs to be deleted.
|
| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have made several attempts to make Convergent Outsourcing aware of the fraudulent debt they claim I owe them ( {$1800.00} ) Is not only unverifiable but I also have no legal obligation to pay them. I have never signed a contract agreeing to pay this company nor have I never done business with this company yet this company reports inaccurate unverifiable information to the credit bureaus. Not only is this damaging, it is fraudulent. The company continues to send debt letters and contact my phone after I asked them not to. This is harassment and a violation of my rights. Even after writing in to the company several time asking them to provide proof that I in fact owe them I was sent a frivolous bill. Of which a bill does not constitute a legal obligation.
|
| 04/04/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX of 2022, Convergent Outsourcing agreed to delete all the information regarding my Account # XXXX and request removal from the three credit bureaus. I then paid the settlement in two payments of XXXX $ totaling the full settlement of XXXX XXXX
However, Convergent Outsourcing is now claiming that they don't have the authority to delete this account and request removal from the three credit bureaus, because it is not allowed by the original creditor.
I am fully aware that this was a deceptive practice by Convergent Outsourcing to collect the debt. Furthermore, as the data furnisher they do have the authority to alter and remove the information provided to the credit bureaus. This company has violated my rights under The Fair Debt Collections Act.
|
| 02/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Convergent Outsourcing listed an account on my credit report that has been paid in full. I disputed the account with XXXX and XXXX months ago. I received a letter dated XX/XX/2018 from Convergent stating that they are no longer furnishing the account and that if it is listed on my credit report, they are going to send an request to have it removed. It is still listed on both credit reports. I sent evidence to XXXX of the letter that Convergent sent me. They informed me that when they try investigate the matter, Convergent is informing them not to remove it from my credit report. There is conflicting information as to what Convergent is telling the credit bureaus to what they sent me in the mail. I would like the account removed from both XXXX and XXXX.
|
| 05/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
The debt in question was billed in error. My employer ( XXXX / XXXX ) offered courtesy services but the service was not coded to waive the monthly fee. I cancelled the service when I found out this was not a covered expense, but the bill lingered for months despite multiple attempts for my employer to correct it. When separated from the company this bill was sold to a 3rd party debt collection company in error as part of a bulk sale of debt accounts because it showed as over 6 months old. My previous employer no longer had access to correct it. When I disputed it with the collection agency they sent me a copy of a bill stating it was proof of the debt, not the original contract or the cancellation docs which were all dated within the cancellation period.
|
| 04/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX - XXXX - balance = {$1500.00} ...
this debt was paid, must remove XXXX XXXX - XXXX - balance = {$240.00} this is not my debt, plus they are violating my consumer rights, illegal contacts, wrongful charges and never resided at that address.
XXXX XXXX XXXX XXXX - XXXX - {$3200.00} I never received product from XXXX XXXX. there was a police report and I was told they was going to clear my balance to know this company is now violating my consumer rights as well. this must also be remove XXXX : these files are on my XXXX and they have giving me a hard time, the other bureau been took the off and can't understand why XXXX thinks this is my debt. This is clearly not me. They also need to cut me a check for violating my consumer rights ...
|
| 11/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Older American |
|
A Debt Collection agency began to insistingly calling me from about three months ago. When I spoke with a representative, I informed him that I denied any debt and they should stop calling me. They continued calling and leaving messages on my answering machine. I called again and left a long message detailing my identity and prompted to denounce then if they did n't stop harassing me. On another occasion one of the agency 's employee tried to secure my address info by lying being needed by the XXXX company. Although I immediately hung-up the phone they continued to leave messages on my answering machine. At one point I began to doubt if this was a scam to get some vital info from me, since they always asked me to tell them my 4 last digits of my SS card.
|
| 05/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a debt validation letter to XXXX XXXX for a second time demanding validation of this debt. The original creditor is XXXX and the account was opened in Pennsylvania. I have never had a residence in Pennsylvania nor have I, or anyone that I know, ever resided at the address on the bill that the collection agency has sent me. I have never been associated with any of the phone numbers listed on the bill either. I also have never had cell service with XXXX. The collection agency keeps sending me copies of bills and to my knowledge, that is not an acceptable form of validation. I believe this account was opened in my name without my knowledge or permission. I am in the process of attempting to purchase my first home and need this issue resolved ASAP.
|
| 11/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I called Convergent services about a debt I owed. Once connected with an agent I could not get a straight answer about what the debt was from. Agent then asked if I had a job I said yes. Agent then responded that theyd put me on a payment plan. I declined and let the agent know I would contact XXXX directly to figure out what exactly I owed from. Agent then responded why would you do that and what am I not understanding? I let him know that I would contact XXXX and figure it all out and make a payment in the coming days. Agent stated that he would be calling me back and threatened me by saying that I better pick up or else. When I asked him to repeat himself he asked what was that so I repeated asking him to repeat himself and he disconnected our call.
|
| 02/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a collection notice from Convergent Outsourcing, Inc. for a bill for XXXX.
Per response sent via certified return receipt ( attached ) delivered to Convergent Outsourcing, Inc. on XX/XX/XXXX, the account was disputed and proven as fraud in XX/XX/XXXX/XX/XX/XXXX via the CFPB.
That XXXX has sold, once again, the previously proven fraudulent account to Convergent Outsourcing, Inc. violates Federal FDCPA and State of Maryland laws governing collection accounts.
I am cc : ing this complaint to the Maryland Attorney 's Generals Office of Consumer Protection and the FTC.
The account is fraud and was proven as fraud therefore you, Convergent Outsourcing, Inc., are in violation of Federal and State laws attempting to collect it.
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act Convergent accounts below violated my rights to law 15 U.S.C. 1681 SECTION 602A- Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not furnish an account without my written instructions.
I have request several times for these accounts to be proven or removed from my report and have requested the original copies. Please prove these accounts not by the automated system. I have disagreed with the credit bureaus and creditors las investigation on XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 with no response at all. My rights have been violated and the bureaus have not done a through investigation according to the law.
Please remove these accounts.
|
| 05/06/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Cancelled my services because of a high bills. I spoke to manager who gave me the balance due which I paid. They ported my number out to the new code, after 5 months received a notice From a collection agency that I owed {$690.00}. I contact XXXX and no one could give me the reason why the amount was owed until I had the account escalated and spoke w account finance which explained the manager gave me the incorrect balance to pay. Advised me would waived all charges if I paid {$450.00} and removed all information from the credit bureaus. All Charges where suppose to be removed due to misunderstanding of charges by their manager. Collection agency has place 4 hard inquires in my credit file and I would like all of them removed wirh a letter of removal.
|
| 07/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing is a debt collector reporting to the bureaus illegally. I requested proof of their claim for the alleged debt XX/XX/2020 via certified mail. They failed to provide proper validation. I also informed them they are illegally reporting under their own name on a Massachusetts consumer credit report in violation of 209 CMR 18.17 ( 11 ). They failed to remove their listing.
I sent them a second notice XX/XX/2020 via certified mail. They again, failed to provide any proof of ownership of the account or any record of a contract showing my signature in accordance with the alleged debt.
I sent them a third notice XX/XX/2020 via certified mail informing them I would report to the CFPB on their illegal activities. They ignored my notice.
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Once again it's XXXX XXXX XXXX. This time it's their cabe company, XXXX. For reference this is the last complaint I filed ( XXXX ). Similar to that complaint it also involves returning equipment. This may be a sign of a pattern of abuse, or just gross incompetence. Either way it's harmful and extremely annoying to anyone with as high a credit score as mine, XXXX.
I cancelled this service ( XXXX ). On three different occasions I was told that they did not want the equipment back because it was obsolete. There are recorded phone conversations and confirmation numbers for each instruction not to return the equipment, so ultimately, after the third time I felt safe enough to discard it, so I did. Then, lo and behold, the harassment resumes once again.
|
| 03/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had some fraudulent activity months ago about a car accident that I never was involved in.
I contacted my insurance provider Because I was being harrased about owing and paying a debt that was not mine.
My insurance clear cover said they would handle the matter. Sent them pictures of my vehicle with no damage and emailed all documents and letters I was receiving.
It is not 6 plus months later and iam receiving calls and letters from CONVERGENT OUTSOURCING INC Stating I owe {$1600.00} but will settle {$560.00}, I do not owe any one anything, I pay all my debts in full.
I feel like this is some fraudulent attempt to collect a debt that's not mine or had anythi g to do with me.
Please any help is much appreciated.
Thank you XXXX XXXX XX/XX/2020
|
| 03/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
received letter in the mail from Convergent Outsourcing Inc, a supposed collection agency offering a reduced balance of a XXXX balance owed.
I moved to this address not 4 months ago and have never had XXXX here or anywhere.
I had XXXX XXXX internet without XXXX for the last 4 years but cancelled it when i moved to my new house. I verified with att and balance is {$0.00} and account is closed. the XXXX account on the scam letter is not even the same one i had with XXXX.
The letter looks very carefully redacted and looks very official, but it is a scam. I searched online and saw dozens of other people being sent the same letter and suggesting it be reported to see if the company can be stopped from sending similar letters to less resouceful people.
|
| 01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
look i dont have dates except todays really.
Disputed a record that was FRAUD potentially commited by a wanted Pennsylvania Fugitive.
XXXX XXXX emailed me and stated on XX/XX/XXXX. That i owe XXXX XXXX dollars On my XXXX report XXXX Which was reported by CONVERGENT OUTSOURCING.
WHICH WAS REMOVED FROM ALL REPORTS XX/XX/XXXX. I Don't get why it has re-appeared. It was removed and isn't mine. it was even marked in comments : ( Meets requirement of the Fair Credit Reporting Act ). Which means it shouldn't be there again. So either XXXX XXXX is trying to XXXX my record up again. Or Convergent Outsourcing is.
Im just trying to build some XXXX XXXX credit finally in life. I shouldn't have any accounts open or even in collections. I've never had any
|
| 07/14/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A collection was place on my XXXX and XXXX credit profile some months back.
The collection company agreed to settle the dept, which they got from another collection company, so i made two payments to them between the ( 15 and 30 ) of XX/XX/2020 ; I pay them all the amount we agreed on. The collection company was supposed to send me a letter that the settlement was pay and completed but up to now i have not receive any letter. I call them twice and the last time I call them, they was transferring me to different agents with in their company and saying that they don't have my record on file. This company is not allow to collect from New York residence and have no right to place any collection on my credit profile, they need to removed it right away.
|
| 05/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection notice yesterday from Convergent, regarding a XXXX XXXX past due balance. I haven't used XXXX for many years. I did receive a notice about 2-3 years ago from XXXX notifying me that someone was trying to open an account with my information. I responded and told them that it was fraud and they should not open the account. Now I'm getting a collection notice for {$1300.00}. When I closed my account, many years ago, it was paid in full.
I sent a letter to XXXX requesting a written confirmation that I do not owe any money. I also wrote a letter to Convergent telling them the collection attempt is a scam and to cease and desist.
I work hard to keep a really good credit rating and I don't want fraud to affect my credit history,
|
| 01/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On or about XXXX, XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. I have been disputing wrong information on my credit report for about a year, a lot of the accounts that were not mine were already off of my credit report, but, no too long ago I received a collection letter from CONVERGENT OUTSOURCING INC trying to collect on Behalf of XXXX, one of the accounts that were included on my identity theft package. The account is highlighted on my Affidavit of Identity theft package that I am uploading.
|
| 09/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have asked this company to send me directly, proof of me owing the large debt that they claim that I do. Proof, such as a contract. I was sent a bill, which I do not recognize, which is definitely not adequate proof of a debt owed.
I have asked them to delete this account from my credit reports if they are unable to adequately verify this debt, as they are unfairly and illegally infringing upon my consumer rights!!!
They have not only failed to deliver the adequate proof, but have also ignored my request to have this account deleted, due to them not adequately verifying the claimed debt. This is illegal!! Please deliver the adequate proof, or remove this item from my credit report and cease attempting to collect any money from me!! Thank you.
|
| 02/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2017 sent a dispute letter to the 3 credit bureaus asking to verify this collection not known for me and never receive any comunication attempting to collect any amount from XXXX XXXX.
After few weeks receive by regular mail a letter with a check mark indicating the debt is mine and a statement of XXXX dollars for a cell phone account.
I ask the credit bureaus to validate this information and Convergent fail to reply straight to the bureuas with original contract with my signature on as lroof of any debt with a cell company or any proof to owe any money to XXXX XXXX.
They never contact me or provide physical evidence of any debt related to phone company or XXXX XXXX.
Attached is a file they are indicating a debt without right validation.
|
| 08/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX XXXX, I received an email from XXXX that Convergent XXXX has been added to my credit report. According to the email, they are trying to collect a debt from XXXX XXXX.I have never had a XXXX account and feel that this is an incorrect information being reported on my credit report. XXXX XXXX is not listed on the Florida Office of Financial Regulation. Unfortunately under the Department of Business and Regulation, Convergent XXXX is listed as an electrical company not a debt collection agency. I have mailed in multiple letters asking that this information be validated and/or verified and they have not responded. Now they have reopened this account and listed is a late payments from XXXX XXXX, but have the account reported as open in XXXX XXXX.
|
| 02/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX attempting to collect on {$370.00} allegedly from XXXX. On XXXX/XXXX/XXXX I sent by certified mail ( with signature confirmed delivery of XXXX/XXXX/XXXX ) a letter requesting explanation for alleged debt. They did not respond. On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from Convergent Outsourcing , Inc for the same debt. On XXXX/XXXX/XXXX I sent another request for explanation which also was not responded to. On XXXX/XXXX/XXXX I received another collection notice from Convergent.
To my knowledge I have never had a XXXX bill sent to collections ( my credit history confirms this ). I do not currently have a XXXX account.
|
| 06/27/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I settled a private student loan debt with Convergent Outsourcing, and I set up a plan with an agent to have money auto drafted from my bank account monthly until the debt is paid. I have them the initial ( approximately ) {$5000.00}, and around {$420.00} is supposed to come out on the XXXX of each month. The XXXX came and went in XXXX, and nothing was taken out. I tried calling multiple numbers associated with that company, and I keep getting the same automated message every time I call. It says to call back later.
I just got out of XXXX XXXXXXXX, and Im trying to build my credit back up. Im afraid they are going to claim that I didnt pay and take me off the settlement. Ive called multiple times since Thursday the XXXX. I dont know what to do.
|
| 01/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call daily and say I owe a debt, but can't exactly tell me the name of the company as they say it's been sold to them so it would be a different name.
they called my previous employer as well. They use many different phone numbers but most say Convergent. I have paid many 3rd party debt collectors so I do not owe anyone at this time. They call non stop all day- they have also called my mother and son looking for me and saying I'm in legal trouble if I don't call back asap/ Threaten me to the point I don't answer anymore. Some numbers they call from are XXXX XXXX XXXX. They are violating so many of my rights and even calling my previous employers to let them know to reach out to me as I'm in big legal trouble.
XXXX XXXX XXXX XXXX XXXX cell
|
| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have consistently disputed a Collection by Convergent Outsourcing for a XXXXXXXX account they tried collecting on. I have already paid the collection off with Convergent Outsourcing and it continues to remain on my XXXX Credit Report despite how many times I have disputed the item that it has been paid and needs to be removed from my XXXX Credit Report. Furthermore XXXX Credit Reporting Agency has failed to honor my request and remove the item that continues to hurt my credit and keeps showing as an active collection on my XXXX Credit Report. Action to remove the item from further hurting my credit must be taken.
Collector : Convergent Outsourcing ( XXXX XXXXXXXX XXXX Date Opened : XX/XX/ Paid : XX/XX/XXXX Paid in XXXX Amount : {$2600.00}
|
| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I closed my account with XXXX & XXXX on XXXX of XXXX and returned all equipment owed to this company. I have email confirmation that equipment was received and all debt was settled. Starting in XXXX of XXXX my wife began to receive collection statements from Convergent Outsourcing Inc. indicating that she owed {$480.00} due to a collection from XXXX XXXX XXXX XXXX XXXX XXXX ). She is now receiving a letter from a new company called XXXX XXXX XXXX saying they are willing to take a smaller amount to settle this balance. I contacted XXXX XXXX XXXX to have them review my account and they indicated that not only did I not owe them a balance but that my account closed with a credit of {$5.00}. The XXXX & XXXX account was in my name, not my wife 's.
|
| 10/22/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American, Servicemember |
|
I just received a bill from the XXXX XXXX XXXX represented by Convergent Outsourcing for the amount of {$23000.00}. Account # XXXX. It has been 13 years, this loan is from XXXX, and just now they send me this bill, and tell me that they are going to sued me in court. California Statue of Limitations is 4 years.Right? ( Cal.Civ.Proc.Code 312 et seq. ) I file Bankruptcy in XXXX, and this account from the XXXX XXXX was NOT in any of my credit report agency. Today I check my credit report, I don't have any debt account with the XXXX XXXX XXXX or Convergent Outsourcing.
If I own {$23000.00} it should appear in all my credit report agencies, correct? Why they don't report this debt to the Credit Agencies? By doing this they avoid getting bankruptcy?
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Convergent dated XX/XX/XXXX Indicating that I had an outstanding XXXX XXXX XXXX debt of nearly {$8000.00} going back to XXXX of XXXX. I responded that this is not my debt. I have never dealt with XXXX XXXX, nor with The XXXX XXXX.
I then received a letter from Convergent dated XX/XX/XXXX asking me to complete a notarized affidavit outlining all of my personal and private information. This affidavit boldly stated on each page not to notify the FTC or any other government agency.
I called them to tell them I would not offer any personal or private information and that I would file a complaint with the FTC. I also indicated that I would consider having the information reviewed by my lawyer.
I believe this to be a scam.
|
| 05/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This student loan has a Max Delinquency date of XX/XX/XXXX and the account was closed and transferred to a collection agency as of XX/XX/XXXX. Per the FCRA, this account due to being a private student loan should have been removed from my credit XX/XX/XXXX at the earliest and definitely by XX/XX/XXXX. As of today, XX/XX/XXXX, the account has not been removed form my credit. We are outside the allotted 7 years that this debt is allowed on my credit per the FCRA.
This was a loan that I co-signed for my brother when he was in school. I have only even had one student loan in which i have never missed a payment on. Below I have attached proof of the date of collection for the original account and the collection account with fees being added to it.
|
| 07/31/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
Convergent Outsourcing keeps calling and writing about a debt they acknowledge in their written communications that they can no longer sue me for or report to a credit agency. If it is too old to collect, they need to stop contacting me. This is what they state " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXX XXXX XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. Convergent Outsourcing, Inc. can not sue you on this debt and Convergent Outsourcing, Inc. can not report this debt to any credit reporting agency. '' They need to stop contacting me. This is harassment. I am not XXXX enough to start the clock all over again by sending them any money.
|
| 09/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I received an email from a co-worker yesterday stating an automated call came to her for a XXXX XXXX XXXX. That is my maiden name. My colleague 's email to me is below : " Does you maiden name happen to be XXXX? I had an automated call today asking if I was XXXX XXXX XXXX press 1, if I need to get her press 2, if I wanted to leave a message 3 and not her press 4.
On my phone it looks like the number is XXXX Convergent Res ( no area code is showing up though ) ''.
I happen to google the company name and found out that it is a debit collection scam. First off, why are they calling a colleague? I have never heard of this company nor do I have any unpaid debit. I am in the process of re-financing my home mortgages and this does not look good.
|
| 11/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a debt for a phone bill on my credit report for a XXXX account I never opened. It is not mine. I was incarcerated. You can look up my department of corrections history and see that there is absolutely no way I couldve been using a phone while I was in prison. I want this debt removed from my credit report because I have no debt anywhere else and now this one single thing is preventing me from beginning to start building a good score. I will never pay for a debt that is not mine. Ive reached out to the collection agency and then they tell me to contact sprint-sprint no longer exists they are XXXX now and they say they have no record of my debt anywhere in the system. Please remove this from my credit report as it is not mine. Thank you
|
| 04/24/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received XXXX separate invoices from " Convergent Outsourcing '' company. XXXX of the debts attempting to be collected is for XXXX which I received on X/X/2017 . The original amount is {$1000.00}. They are offering a reduced amount at {$530.00}. That account number is : XXXX . The other letter that I received was for XXXX on X/XX/2017 . The amount owed on that is {$580.00} with a reduced amount at {$110.00}. The account number on that debt is : XXXX . Neither of these debts are legitimate. I would like to get this taken care of and stop receiving these letters. The contact information that was provided by them are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX www.payconvergent.com
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I spoke with Convergent Outsourcing ( Original Creditor XXXX ) about my account. I told them I would like to make a settlement offer contingent on it being deleted. I was told that if the account was paid at the settled amount that the account would be closed and removed from my credit report within 30 days. As of now, the account is still showing on my report. I have also disputed this account in the past, it was removed, and then added again.
Additionally, XXXX successfully acquired XXXX as XXXX XX/XX/XXXX, becoming one company and the XXXX brand is officially no more. Since the company of XXXX is closed, this makes the account void.
Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Paid off : 100 %
|
| 03/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Each day, at approximately XXXX EST, I receive a call from Convergent Outsourcing. Convergent is a debt collector. My phone number is XXXX. I tell them each time I am not the person they are looking for and they continue to call. On XX/XX/XXXX, they called for a XXXX XXXX and then again for a XXXX XXXX. I can not convince them that I am not under any late debt obligations. I only owe a mortgage and am in good standing having never missed a payment. How do I get them to stop calling me for people who had that phone number or have misrepresented themselves to have that phone number? Convergent calls EVERY DAY. I have told them to stop calling that number and according to their representatives, I am on a recorded line. That must be a joke too.
|
| 06/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid this debt as agreed. It was paid on XX/XX/XXXX. I was told an email would be sent to me confirming payment in 3-5 business days. I have not received this email as of XX/XX/XXXX ( 13 business days ). When i call regarding this i am told it will be sent and it never comes. I am told to check my spam folder, which i do several times a day, and there is still no email. I even spoke with a so called supervisor and asked if it could be mailed to me and he actually told me that it cost to much to mail out the document. I spoke with a woman today who advised that she would have the document mailed out ( Thank you mama ) but i would still like to get the email as i have a business transaction that is being held up because of this matter.
|
| 11/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I left XXXX on XX/XX/XXXX and transferred all XXXX phone to XXXX XXXX and on the next month I reserved a bill from XXXX for XXXX of the phones I went to XXXX to get it fixed and they said it was fixed and that should have not happen because I had not finished the month with them and they owed me XXXX for that month. Next month I get a bill again for the phone line again saying I owe them. Went to XXXX again and was told that it was all set. Still no check for the XXXX. Next month got a letter from a collection agency for the bill from XXXX. Went back to XXXX and after 2 day wait they said sorry can't help deal with the collection company. Still no check for my XXXX for not finishing the month XXXX that I paid for. Any help would be great.
|
| 04/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I didn't received any notification about this collection account until they reported it in my credit reports. I was aware and didn't received anything from in written from Convergent advising about this balance so I didn't have the opportunity to disputed or verify this information. When I found the collection account reported in my credit reports on XX/XX/2021, I immediately contacted them to get more information and let them know I don't owned this balance. They couldn't gave me any specific details about for what is that balance, they only said it was for a balance that I suppose owned to XXXX. At this time, I haven't heard anything back from them and this account still showing in my credit report causing a financial hardship situation.
|
| 07/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My wife has received numerous harassing phone calls from XXXX XXXX from XXXX, TN asking for me, stating they were attempting to collect a debt on a XXXX account that was past due. When this first occurred, I contacted XXXX, who confirmed that I was not in collection and my account was in good standing. XXXX was the phone number that they called from, and when searching for that number, it comes up as a locksmith company. The persons on the phone have been threatening my wife with collection and negative credit strikes against my credit if we do n't pay. When told that we do n't have a balance with XXXX, they would not listen and again tried to scare us into paying the 'debt. ' They have called twelve ( 12 ) times in the last six weeks
|
| 04/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
An account that was previously removed from my credit file in XX/XX/XXXX was reinserted in XX/XX/XXXX by the company Convergent Outsourcing Inc . The company failed to notify me of the reinsertion within five ( 5 ) days which directly violates my rights under the Fair Credit Reporting Act. I sent a certified letter to the company detailing this incident on XX/XX/XXXX and demanded the collection account be removed due to my rights being directly violated. The mailing address for the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, and their phone number is XXXX XXXX XXXX XXXX. I would also like the license number of this company and verification that they are legally licensed to collect debt in my state of residence.
Thank you
|
| 02/26/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a statement in the mail today, XX/XX/19 from Convergent Outsourcing , Inc. stating that XXXX placed my account with their office for collection. The statement states I owe XXXX {$88.00}. I checked my XXXX account balance and it is XXXX. I contacted XXXX and they stated they did not submit my account to a collection agency and reaffirmed that my balance is XXXX. I did not contact Convergent Outsourcing as I think this is a scam. It says on the back of the statement that I need to notify them within 30 days of receiving this notice in order to dispute the validity of the debt. I'm not sure if I should do that because I think it is a scam.
I checked the XXXX XXXX XXXX site and they have had numerous complaints about this company.
|
| 06/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I found a debt listed in my credit report by XXXX XXXX. The original creditor was listed as XXXX. This debt was formerly listed by another credit collection company, XXXX, but was removed from my credit report after I filed a claim with them for fraud as this was not my account.
Apparently the debt has been sold to Convergent who has reported it within the last month to the credit reporting agencies as a new collection. I sent a written request for debt validation on XX/XX/2018 certified return-receipt mail. I received a letter of debt " verification '' on XX/XX/2018. The " verification '' does not include any of the information I requested to be included in the debt validation. Among other requested items, there is no signed contract.
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX phone company sold my account to Convergent Outsourcing , Inc . They made my an offer to resolve the debt. I accepted that offer and paid the asking amount in full. Convergent Outsourcing , Inc closed the account and alerted XXXX that they had resolved the account as it had been paid.
Instead of making needed adjustments to my credit report they sold my account to another collection company. And then another.
My question to you is, when and how is this debt going to finally get resolved?
Is there something else I need to do? I have written and sent proof of payment to all involved, but XXXX and credit companies along with debt collectors are all just shrugging their shoulders.
Can you please help me out?
Sincerely, XXXX XXXX
|
| 04/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On or about XX/XX/2021 Convergent Outsourcing, Inc contacted me via dunning letter attempting to collect a debt, by assuming I owe a debt to XXXX XXXX XXXX ( Exhibit A attached ). On XX/XX/2021 I mailed a letter request that they validated the debt ( Exhibit B attached ). On or around the last week of XX/XX/2021 I received a package from Convergent Outsourcing, Inc with countless document associated with my credit file/report which I never gave them authorization to obtain. Convergent Outsourcing, Inc is in Violation 15 USC 1681q, 15 USC 1611 ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c, 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 14 ), 15 USC 1692f ( 1 ), 15 USC 1692g and 15 USC 1692j ( a ).
|
| 02/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Collections agency pulled it out of a hat. Totally bogus.
Event happened XX/XX/XXXX. XXXX accounting error. Balance ought to be {$0.00}.
How is it XX/XX/XXXX collections agency can just reopen/ post false information on my credit reports?
Then, credit agency is all automated. You are unable to speak to a person anywhere in their process? Really?
Credit agency operates like XXXX with no responsibility, accountability except towards me or whomever is chosen by business?
I ought to be getting paid for all the time spent trying to correct their incompetence ; for making changes to my account without authorization ; and for adding additional phone with additional services ALL WITHOUT AUTHORIZATION/ PERMISSION TO DO SO.
NOT LEGAL AT ALL.
|
| 03/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX & Convergent Outsourcing. I returned all the equipment and paid all my bills but they can't tell me what I'm being charged for nor why this is still on my credit report as a collection. Furthermore I'm sure this is at least if not more than 7 years old. I have not had XXXX in some years but they keep placing it on my credit report and it's costing me thousands of dollars as a consumer. It is the only derogatory comment on my credit account and is affecting me more than anything. There is no money owed to XXXX at all and I'm not sure where they are getting this information from. I spoke with convergent outsourcing and they have no idea other than they just want me to pay. I don't know what I'm paying for and it almost seems scamish.
|
| 08/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 12/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, This happened multiple times with XXXX. They send a debt collection even when the account has been closed. I have called them and made sure my account had no balance before closing the account. I then received a debt collection notice. I disputed the collection from an agency and it was approved with XXXX. XXXX then sent the collection to another agency and reported it on XXXX this time. I went in one of their stores and made sure I had no previous balance. However, XXXX keeps sending debt collections. I have spoken with other past customers and apparently it is a running problem with them. They steal from people. I attached the past dispute I had resolved, and again I have a new one years after. I do not even have XXXX services.
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Thank you for your ear, In XX/XX/XXXX My family and I relocated from XXXX to XXXX, I contacted my cable provider and requested a final bill which was provided, I paid the bill immediately, ( copy attached ) A couple of months later a bill came for equipment XXXX XXXX claimed I had. I never received any equipment from XXXX as all I had provided to me was basic cable, I never accept leased equipment, and immediately after receiving the bill I sent a letter registered letting them know this was not a valid bill, in addition I requested proof I took possession of any equipment, ( copies attached ) This was XX/XX/XXXX. Not until yesterday XX/XX/XXXX did I hear back from them claiming I owe them for equipment, almost two years from my letter.
|
| 08/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Convergent Outsourcing has continued to report a debt on my XXXX credit report listing the original creditor as XXXX for a balance of {$660.00}. I mad 2 requests to VALIDATE the debt as belonging to me via certified USPS. On neither attempt did Convergent Outsourcing respond to my request within 30 days of receipt of the request. I then made an appeal to the credit bureau to delete the account from my report due to the failure to validate the debt. At that time XXXX and XXXX removed the item however on the XXXX report, Convergent Outsourcing replied with a note to call them directly. My requests for validation in writing have gone unanswered and yet they continue to report to XXXX hampering my ability to financially secure my future.
|
| 07/26/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is respected to bill send by XXXX when i switch the carrier. Back in XXXX XXXX had sent me network enhance device by one-time charge of XXXX $ and said I never have to refund the device and pay anything. Now in XXXX when I switched from XXXX they had put the charges of XXXX $ of that device for not returning. XXXX just trying to punish me moving from their service.
I had asked XXXX to send me a proof of agreement I signed for returning the device then I will be ready to pay the amount, but they dont even send me the agreement of XXXX.
I had called XXXX department 3 time and everytime they said they will investigate and come back to me but they never do.
Now the XXXX is sending the charges to collection agency which is not fair.
|
| 02/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 05/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They have removed the report from one of the credit bureaus but not the others. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally.
|
| 11/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX someone must have put an electricity bill in my name. I lived in a 2 family home and I was completely unaware of the bill. XXXX XXXX XXXX says that I owe them {$770.00}. And it went into collections with CONVERGENT OUTSOURCING. When I tried to dispute this case in XX/XX/XXXXthey said that all of the information matched but I was still unaware of the bill until recently a few years ago receiving a bill at my at my current address. I tired to explain this to the collection agency but they didnt care, they said all the information matched. Yes the information matched but I was unaware that someone stole my identity and opened a Electric bill in my name. It isnt fair that I have to suffer because someone stole my information.
|
| 08/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 I was notified on my credit report the same debt that was disputed before and removed is back on my credit report because the debt is purchased by another collector. The company is stating that I had business with XXXX XXXX and owe {$1500.00}. XXXX removed the same debt 6 months ago and now its returned by this company. This debt is not mine and it was proven by dispute with XXXX that it wasnt mine 6 months ago. Im writing today because the debt is purchased by different debt collecting companies and now its back on my credit report. This debt buyer " parked '' the debt on my credit report and re-aged the status of debt in which is not mine. This debt collection practice of placing this debt on my credit report is XXXX.
|
| 04/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
XXXX XXXX XXXX I continue to dispute off my credit because I never received the box to even start table but they still charged me for something I never received never got to watch XXXX XXXX this happened last year I've been trying to dispute since they were not removed from my credit and it's big time impacting me I've been disputing for a whole year now and still nothing there's been sending me bills I even emailed them disputing it and nothing is done they continuously told me that it's mine and I have no choice but to pay them for something that I never got to even enjoy it's off one of my credit statements but not the other and that's really affecting me because it's a big mark and on top of that my name is not how you spell right
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
First lets start off with me disputing this account with the credit bureaus. Time after time Convergent Outsourcing verifies this debt that I had no idea about. I finally sent them a validation letter to get more information on the account and to see if they are legally able to collect on the debt. It has been more than 30 days I have not received any thing from Convergent Outsourcing. I am also including the tracking number from USPS to confirm that they did receive my letter but failed to supply me with documentation from this account.
Tracking XXXX XXXX XXXX XXXX XXXX Since they have ignored my letter they must delete this account from my reports. If they had the proper documentation I am 100 % sure they wouldve responded already.
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received multiple letters from Convergent Outsourcing Inc. regarding multiple debts that are not mine.
The first time was about a year ago regarding a XXXX account when I have never had an account with XXXX.
Now, more recently they are incorrectly claiming I owe money to for a delinquent XXXX XXXX services account. While I did have an account with them I closed that account and paid all bills and returned all equipment in a timely manner. Upon contacting Convergent they admitted that the account on file had an address that was never mine.
They are repeatedly and incorrectly assigning debt to me and others as seen on the complaints page of the XXXX XXXX XXXX as seen here : https : XXXX Please help correct their practices.
|
| 07/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A company call convergent outsourcing, client service, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. They attempted to collect a debt that was originated as a fraudulent account with the XXXX XXXX XXXX XXXX, a utility company. I informed them in 2019 that this was a fraudulent account and I am not responsible for it. I filed a police report and provided them with the information. However they continued to call me daily, nonstop, sometimes twice a date to collect on the debt. In addition, the utility company itself refused to help. I asked for information on how the account was opened with out my consent, I was told thats non of my business. I find this abaolutely unacceptable both by the debt collection agency as well as the utility company.
|
| 09/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
XXXX XXXX Opened XX/XX/XXXX {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$7200.00}
|
| 11/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
This is something that has to be years old. When I search it comes up as XXXX and I have had XXXX for 4 years and XXXX for almost 2 1/2 years now. This debt has been sold a number of different times and has reported over and over again and I can never get anyone to have a civilized conversation they scream call me names and hang up. XXXX XXXX XXXX XXXX both found it to not to be a valid but XXXX will not remove. This is something that should be illegal how can a company get away with doing this. I have work very hard to keep my credit clean only to have this company report a fake account all in red?? Please help me clear this up I would be forever grateful. This company upon further review apparently does this often ...XXXX shameful!
|
| 03/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2020 I switched cellular service from XXXX to XXXX. XXXX provided my cellular service but XXXX state I need to pay them so I paid XXXX in XX/XX/2020 and they still stated I owed them even though I had not telephone service with them. XX/XX/2020 I paid XXXX. They starting calling my phone 20 times a day for months. Now they have sent it to Convergent Collection and they are send me letters. I spoke with them and gave the the transaction # where the money was paid from my account. This was not enough so now I have emailed them a copy where the money was disbursed to XXXX. XXXX keeps telling them to send me threatening letters and calls. I have proved I paid them and they reported this to my credit report. I dont owe them money.
|
| 02/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
entire time 10 years until XX/XX/2020. XXXX makes my blood boil. I have called and was lied to told to provide my checking account information over the phone in order to turn my cell phone back on. i called at XXXX them at XXXX {$300.00} was added to my bill.
Scam scam scam I was told I can not call the office of the President just to write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX. I did three thousand times. the last letter I mailed on XX/XX/2020. Two collection agencies later.
I chose to leave XXXX XXXX every time I called the XXXX supervisor would threaten me on a recorded line. I need peace of mind and a good Heart to beat inside of me. Im on a XXXX XXXX due to the stress at XXXX XXXX taking all my money 4 10 years.
|
| 08/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation!
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
|
| 04/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsoursing is trying to collect a debt ( {$1100.00} ) that is not mine.
On XX/XX/2019 i sent certified usps letter to Convergent Outsoursing requesting to Validate the debt, pursuant to FDCPA ,15 USC 1692g Sec.809 ( b ).
Convergent responded to my request with a letter dated XX/XX/2019, stating that debt is valid and the only evidence sent with that is a bill/statement from XXXX XXXX that has my name and completely unknown address to me.
They are also reporting this debt to Credit Bureaus.
This is no way can be sufficient Debt Validation under FDCPA/FCRA, and is a clear violation of FDCPA/FCRA.
Please see the attached copy Debt Validitaion Request Letter along with Usps Certified reciept and there response letter
|
| 09/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
on XX/XX/2018 i received a credit report from XXXX XXXX XXXX that list debt i dint have knowledge of. So on XX/XX/18 i sent a dispute letter by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/18 i sent a follow up letter requesting debit validation to the address above i still have not received a response. on XX/XX/2018 i sent a dispute letter to XXXX asking for validation of debit, in XX/XX/2018 XXXX responded validating the debit. i am not sure how this was correct because this debit IS NOT MINE.i have never done business or had service with this company before. this company is in violation of the FDCPA act and my consumer rights.
|
| 04/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
on XXXX XXXX 2016 I was contacted by convergent collections. They indicated to me that I owed XXXX the amount of {$100.00} for a modem XXXX claims I never returned. Knowing that XXXX is an unscrupulous Company and having never dealt with a collection agency before I responded by immediately writing a check for the amount of {$100.00} and mailing it to XXXX PO Box . This amount was withdrawn from my checking account on XXXX XXXX 2016 by XXXX. I have requested and received a photo copy of the cashed check which has XXXX XXXX 's endorsement on the back of the check and the confirmation number XXXX. After repeatedly notifying XXXX and convergent collections that I have paid my balance, they refuse to acknowledge receipt of my payment.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2022, Convergent Outsourcing added a derogatory mark on my credit report ( XXXX XXXX, XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine.
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
|
| 02/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Did not receive a written document explaining debt from XXXX. Was not notified in order to pay the debt. The account was closed and was not told there was a balance left and was not given the opportunity to settle the debt by phone or letter.
Found out XX/XX/2017 from a collection agency. Once notified I called XXXX in XX/XX/2017 and asked to settle and pay the debt but was told the debt was already with the XXXX XXXX collection agency. I settled the debt with collections but now have the collection account still on my credit report. I need this removed as I was not given written document allowing me to settle the debt with XXXX.
Please remove this collection account with XXXX XXXX. The original creditor is XXXX.
Thank you
|
| 04/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I dispute this debt because it is a charge for services that were not provided according to my contract with the company. I had technical problems with my XXXX cell phone/internet service. I reported these to the technical department within the 30 day time period for free cancellation. The process of attempting to solve the issues went beyond the 30 day period, but did not solve the problem. So I cancelled my contract. Because I gave notice of technical problems before the 30 day period expired, and they were not able to be resolved by the XXXX technical support staff, then in effect I had cancelled my contract at the time I first called for support. Nevertheless XXXX wants payment, even though they could not solve the problems.
|
| 02/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from debt collection agency Convergent Outsourcing XX/XX/ that has purchased the debt from XXXX XXXX. The letter thet mail me is a debt collection letter violating my rights as a consumer. I requested debt validation and the have blatantly ignored my request.They are violation and as a result I have suffered credit denile, distress and defamation of character. I have attached a letter from them with all violations. I have also attached a bill of particulars and proof of mailing. As a result of there misconduct. I have mailed them a debt validation request. They have not sent the documents requested to validate the debt and they continue to report fraudulent false information to the Credit Reporting Agencies.
|
| 11/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because I am being extremely affected by Credit CONVERGENT OUTSOURCING, INC.. They are being completely unfair and I dont know how to get ahold on them but through this portal.
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.
This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed and unfair business practices.
Account number : XXXX Date Opened : XX/XX/17 Hight Credit Limit : {$190.00} Balance : {$0.00} My dispute is based on many damages and all the violations that they have committed.
I want the item removed from my records asap.
|
| 06/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only.
Thank you for your consideration in this matter.
|
| 03/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXXXXXX XXXX to the major creditor reporting agencies in the amount of {$660.00}.
Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested.
Although the debt was removed from my credit file after the seven year derogatory reporting period in XX/XX/XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period.
The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.
|
| 06/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Thi s Compliant is being sent to Convergent Outsourcing in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I NEVER e stablished a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX and XXXX ) this action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character
|
| 01/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notification from XXXX XXXX XXXX on a past due XXXX bill from XXXX/XXXX/XXXX I immediately disputed the validity of this debt and they sent me back a copy of a bill dated XXXX/XXXX/XXXX showing a balance.
This is in no way a validation of the debt as it does not show whether or not the debt was paid or not.
Further more the company put a collection account against my credit which is currently reporting on my credit file and has been showing an active open collection although this account is and has been in dispute. It is my understanding that this ca n't happen until the debt is proven to be valid.
I have called them and sent to date 3 different emails to try and resolve this matter with zero response back.
|
| 10/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Several times I contacted Experian, XXXX and Equifax formally disputing a debt listed on my credit report from Convergent Outsourcing Inc. Each XXXX listed above insist that XXXX XXXX contacted them to verify said debt as valid and Convergent continues to report said debt.
I 've requested validation, varifiable proof, contract and signature for said debt as I do not owe this company, never had a contract with them and do not owe who they claim to be the original creditor.
Dates and tracking numbers for my letters below : XXXX/XXXX/XXXX XXXX disputed online- Equifax XXXX XXXX/XXXX/XXXX XXXX ( Experian XXXX XXXX/XXXX/XXXX XXXX ( Equifax XXXX XXXX/XXXX/XXXX XXXX ( transUnion XXXX XXXX/XXXX/XXXX ( online dispute- Equifax XXXX
|
| 05/11/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Received a call from XXXX XXXX with Convergent Outsourcing who stated that she was calling to collect a final amount related to my XXXX bill that service had ended on.
I told her that I didn't understand because I have current service.
She verified the service address.
Again I told her I didnt understand. She gave me an amount of {$680.00} that was due, and an account number # XXXX, and told me to call to speak to a live agent at XXXX to resolve the issue.
She also provided a call back number of XXXX.
I called XXXX who confirmed that I do not have an outstanding balance. This was an old account number I had at XXXX and the XXXX rep at XXXX again confirmed that there is no outstanding balance on that account number.
|
| 07/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'VE RECEIVED COUNTLESS HARASSING PHONE CALLS AND SEVERAL LETTERS INDICATING I OWE MY PERSONAL PHYSICIAN {$430.00}. THE LETTER IS FROM A COMPANY CALLED " CONVERGENT '' OF XXXX, WA ( FORMERLY XXXX XXXX ) DATED XX/XX/2020 AND INCLUDES MY DR.S GROUP NAME " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY, XXXX.
I IMMEDIATELY CONTACTED MY PHYSICIAN WHOM I HAVE NOT SEEN IN NEARLY TWO YEARS AND THEY CONFIRMED I HAVE A XXXX BALANCE AND THEY'VE NEVER HEARD OF CONVERGENT.
I HAVE TWO SIGNIFICANT CONCERNS, THE FIRST BEING THEIR ABILITY TO IMPACT MY CREDIT SCORE AND THE SECOND BEING IF I WERE ELDERLY OR INFIRMED I WOULD PROBABLY PAY THE BILL WITHOUT QUESTION.
SHOULD YOU REQUIRE ANY ADDITIONAL INFORMATION PLEASE CONTACT ME AT XXXX.
|
| 11/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
collections agency convergent outsourcing is the collection agency who bought the account from the original creditor, reliant energy. it was opened as a new account in XX/XX/2019, yet i did not receive written notice until XXXX, the letter was dated for XX/XX/2019. I called and spoke with the collections agency, who stated they had sent out the only letter in XX/XX/XXXX, i then asked then why have you already put the collections account on my credit report and i have not been given my 30 days to decide what i would like to do. I was then sent another letter, stating they would like an answer as to why i was disputing the account.. I sent an email stating just as before. Received a letter today saying i am still responsible.
|
| 09/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am disputing an unpaid collection of {$880.00} on behalf of XXXX. The company that is charged to collecting the debt is Convergent Outsourcing last reported XX/XX/XXXX. The debt is showing on my credit report and the debt has been duplicated with another agency as well reporting to the credit bureau on XX/XX/XXXX. XXXX XX/XX/XXXX I made successful payment arrangements with XXXX XXXX the other agency also charged with settling the unpaid collection of {$1600.00} on behalf of XXXX to resolve the debt. I have only XXXX with XXXX. The account was opened in XXXX to XXXX. I do not understand why this collection is showing on my credit report from XXXX companies, different account balances, and both companies representing XXXX.
|
| 02/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was a XXXX customer until 2017 when my account was compromised as many others and someone tried to purchase 2 XXXX products under my account. The fraud department contacted me about this and we proceeded with an investigation. It was later proven as XXXX very well knew, that this was order was placed under suspicion of identity theft. I left sprint shortly after for safety issues. They are now saying that I owe for past due and for 2 XXXX products. The account was sold to Convergent Outsourcing. This is how I found out that XXXX was trying to charge me as well for the two XXXX products I never had with XXXX. I have had 3 XXXX products with XXXX which I switched to immediately after XXXX had the security breach in 2017.
|
| 10/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a debt on my credit for {$1400.00} which was due to XXXX XXXX but I guess they sent it to XXXX XXXX XXXX XXXX credit says it was opened XXXX/XXXX/XXXX. This is not my bill. I have the same company for at least 10 years and never had XXXX. I called XXXX they tried to find account with my name and then then I told them my last 4. Needless to say there was no match. So that means the person used my social security number with fake name. This is on the XXXX and not XXXX ; well at least not yet. I really need this off of my credit. So this XXXX breach has impacted my credit, and I am trying to get a house. Now I have to put it on hold. I am a working class wife and mother of XXXX. Everyone check your credit on a regular.
|
| 10/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX and I received a copy of my credit report and was shocked to see XXXX collections for XXXX XXXX XXXXXXXX XXXX. I have never had that service but my father did. When he became ill I would help him when I could. He would give me his account information and I would pay his bills for him, or run errands, pick up groceries and things like that but at no point was my name on any of his bills. As a son I would just help him when he needed it. After he XXXX XXXX I no longer had access to his private information nor did I need to. My father 's name was XXXX XXXX and I do n't see how they can get that confused with XXXX but there is diffidently a confusion. Those XXXX bills are not mine and have never been mine.
|
| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX @ XXXX, received a phone call from XXXX XXXXXXXX XXXX to discus a debt for XXXX account number ending in XXXX, phone number XXXX.
I was told that the date of charge off was XX/XX/XXXX and they are going to pursue legal action.
Then, I received a letter from Convergent looking to settle the account, see attached.
Today, I received a call from XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, regarding the same XXXX account XXXX. I was also told that the date of charge off was XX/XX/XXXX and that they will be pursuing legal action, case number XXXX. I was told that they have attempted to serve me multiple times at my home address. To this date, nothing has been received other than the attached letter from Convergent.
|
| 05/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
There was a fraudulent account opened in my name through XXXX sometime around XX/XX/XXXX. I called XXXX about the fraudulent account and they were making it difficult to resolve the issue. With no other option I disputed the debt with XXXX credit and they deleted the fraudulent account from my credit report. On XX/XX/XXXX XXXX sends the account to Convergent Outsourcing for collections after XXXX deleted the fraudulent account. Convergent Outsourcing mailed me a notice of the collection a few weeks ago. I called them told them to stop harassing me since account is fraudulent and XXXX deleted the fraudulent account. Convergent Outsourcing has filed a debt collection on my credit report pertaining to the fraudulent account.
|
| 05/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
A company called Convergent has repeatedly called me several times over the last few months and not answered when I pick up. XXXX. They have called me at different times of the day, a few times at XXXX. I have no debts at all and can't understand why they keep calling me? I have in previous years experienced debt collectors asking for someone that is not even me! I have not been answering them recently and left my answering service on, but still no messages are left. It has become annoying! I did set my caller ID to hide my call this morning and got through to the Convergent company ; All I heard was whether I was XXXX XXXX? But I am not! Obviously there is someone out there using my phone number to avoid debt collection.
|
| 09/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing due to this agency, XXXX XXXX, showing up on my credit reports on XX/XX/XXXX & today XX/XX/XXXX. I have no knowledge of this account or debt and have never done any business with this company. I am disputing that I owe them anything. This is reporting negatively on my credit profile as an open account and I would like it removed as it is reporting to the Credit Bureaus and negatively affecting me, an unfair. This information was also shared illegally without my informed consent. I would like this collection agency and any associated debt removed immediately due to it reporting to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and possibly XXXX in the future, and it is negatively affecting my credit report. Thank you
|
| 01/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
An unknown person opened a landline account in XXXX with XXXX XXXX XXXX in 2003 under my maiden name. They in turn let the account go into collections. I never opened an account with XXXX XXXX XXXX. I was stationed in XXXX during this period. XXXX was happy to opened an account for this individual without verifying their identity. Now I have to pay for this collection and this damages my credit history. I called the collection company acting on their behalf, Convergent Outsourcing , Inc. about this matter. We told them over the phone that we did not open this account, we did not live in XXXX in 2003. I was in the military living in XXXX, XXXX. They told me that I still owed money because my maiden name was on the account.
|
| 03/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection Agency letter from XXXX XXXX sent to my XXXX XXXX but name incorrect. That agency is wanting money for a XXXX USA phone bill. We have never had XXXX account therefore do not owe anything. The problem is when checking credit agency bureau, a SOFT INQUIRY into my credit shows up from XXXX XX/XX/XXXX and another inquiry from XXXX XXXX on XX/XX/XXXX. We are concerned about damage to our credit history/score from unknown person using our address. The scammers name is listed and similar to my own, however the XXXX XXXX has been in use by me for 20 years and the Soft Inquiries appear on our XXXX credit reporting agency report. There was also a phone call to my wife 's cell phone number XX/XX/XXXX wanting payment.
|
| 03/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed the account with XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX notifying them that the account they were reporting was questionable due to the inaccurate information that was being reported. It later showed on my updated credit report comments that I had not satisfied debt which is not factual. I then attempted to contact the company directly on several occasions ( XX/XX/XXXX, XX/XX/XXXX ) to notify them via certified mail that the account they were reporting on my file was inaccurate and outdated and for them to give me the process by which they verified this debt. I have not received a response from them nor have they removed the account from my credit file which is gravely impacting my credit standing.
|
| 10/16/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
CONVERGENT OUTSOURCING, INC. placed a collection on 2 of the credit bureau XXXX and XXXX claiming I owe {$1700.00} from XXXX. They placed it on my credit file on XX/XX/XXXX, when it fact the debt was settled with XXXX for {$430.00} back in XXXX. Every year this company change the dated as if is new XXXX and placed it has a new account to the credit bureau. I never received any communication from this company. Back in XXXX, another collection agency reported it and XXXX and XXXX deleted it from my credit file. I do not owe this company the amount they are reporting no di I owe XXXX that amount either. I am placing a complaint against this company for reporting inaccurate information on my credit file with XXXX and XXXX.
|
| 06/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Within the past 30 days, about every 3 days I have been receiving phone calls from a company ( Caller ID name is Convergent ) ( XXXX ) XXXX and they have told me that I have an unpaid XXXX Bill. No person that lives in my household uses XXXX as a phone service and I have tried to resolve the issue by speaking with a woman who has confirmed that they have the wrong person but regardless they continue calling me. They have called me on the following dates : XX/XX/2018-XX/XX/2018-XX/XX/2018-XX/XX/2018 and the last that I am able to recall is XX/XX/2018. The woman I spoke to assured me that they were going to take my phone number off of the call list but have not done so and I have continued receiving phone calls from them.
|
| 03/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Couple years ago, I took in credit 2 phone from the store XXXX, New Jersey, XXXX. This phones were from the XXXX and in about 5 days I returned them in a legal amount of 15 days which was the policy for returning and I changed to XXXX. In the next couple months I found out that the XXXX did not complete the transaction. So, I returned back to the store with the receipt which they gave me for returning the XXXX phones and changing to XXXX. They made a copy of the receipt and said that they called XXXX and correct everything and I suppose not to have any problems. But couple days ago I discover I do have a collection on my credit history and this came from XXXX. But after all this years I can not find already the receipt.
|
| 03/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/1970 XXXX Credit Bureaus : XXXX, XXXX, XXXX To whom it may concern : 15 USC 1681 Section 602 States : I have the right to privacy.
15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for late for any purpose.
I am reporting this collection as an " Open Account '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Sincerely, XXXX XXXX
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
On XX/XX/2022 I paid off my debt to Convergent outsourcing. It was for a XXXX account. During the conversation with the representative I told them I would only be paying it if the collections would be deleted off my credit report and they agreed, they said it would be deleted off within 30-60 days. As of today it is still showing up on my credit report, I have called convergent outsourcing 3 times in the past week and talked with 3 different supervisors. They have all told me it will not be deleted and they do not care that someone previously told me it would be. They said they apologize for the wrong info but they will not be sending me a deletion letter. I am trying to buy a home and this is getting in the way of it.
|
| 09/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been requesting validation of debt since XX/XX/XXXX, XXXX convergent outsourcing have not Verified debt is mine/I owe them money.
I have sent 4 letters requesting proof.
The first letter sent was XX/XX/21 The second letter sent was XX/XX/21 The third letter sent was XX/XX/21 The fourth letter sent was XX/XX/21 I asked for proof of licensure They are not license to even collect debt in Illinois. I have sent all this information to XXXX And they have ignored every document sent.
Im sending all documentation to states attorney general/ cfpb /FTC.
I am filing this document for further proof moving forward .....
I want XXXX to remove invalidated debt from all XXXX and all background agencies, immeadiately.
|
| 01/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company " Convergent " using number XXXX keeps calling me everyday sometimes multiple times of day for over a week for some person I do not know and does not nor has every resided with me or has every even known me. I got this number back on XXXX XXXX, 2017 and explained to them to remove my number and stop calling me. Now they have told me I 'm lying and refused to also not record me when I told them not to, they also no matter how many times I tell them to give me their manager never give me a manager, they just deflect and try to phish for my personal information. Which they have no right to have as I 've never done any business or have contacted them. Yet they are rude and hangup when asking for their manager.
|
| 08/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing has placed a debt on my credit reports on behalf of XXXX. I have never signed an agreement with Convergent Outsourcing stating that I would paid a debt to them on behalf of XXXX. I have not agreed to pay XXXX for any of their services or opening an account in my name. For I do not recall coming into agreement with Convergent Outsourcing or XXXX for any account or services.
It appears the amount owed for this debt that does not belong to me is {$750.00} with a partial account number XXXX reporting on the credit bureaus.
At this time it is my legal request to have both Convergent Outsourcing and XXXX to dismiss and close out this debt and remove it from all 3 credit bureaus and their database.
|
| 06/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After receiving notification of this debt from my credit report, I contacted the agency several times. First contact was XX/XX/2019. They responded. The information provided to the Credit Bureaus is INACCURATE. My initial dispute with this agency is that I do not owe them. I owe their client. And they are misrepresenting this within my credit file. I asked them to remove/delete this item. They refused. The debt they say I owe them is one in which they purchased from another creditor. This is a violation of the FCRA to have a 3rd party entering information in my credit file. I did not receive any services from this agency and therefore they have no permission to include this debt as owed to them within my credit files.
|
| 09/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Good day, I started receiving calls from this company several years ago. Apparently, it's in reference to a debt that I have challenged. I have asked them to stop calling my work cell number. They have apparently found other numbers associated with me and repeatedly call. I would say the earliest calls are around XXXX and the latest are around XXXX. The worst was on Wednesday, XX/XX/XXXX at work. Call was about XXXX. When they asked to speak to me I asked who it was. The guy said he was a " surgical doctor '' and needed to speak to me. I challenged and he demanded me to pass the phone to the person he was looking for. I ended up hanging up.
In addition, I have received emails from this company. Not threatening yet.
|
| 12/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I XXXX XXXX believes that the Fair Debt Collection Practices Act is being violated with a collection on a public utility debt that has not been proved with true copy originality submitted to me. Secondly, public utilities have no right to post collections on any of the pertinent credit bureaus. This collection is not only a violation of the FDCPA but of the Fair Credit Reporting Act as well. The collection must be erased from my credit profile immediately, and if this collection is valid, a complete attachment of documents must be submitted along with the transfer of either ownership or power of attorney to collect the debt if indeed it is valid. Therefore, this account must be deleted immediately and permanently!!!
|
| 12/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I XXXX XXXX believes that the Fair Debt Collection Practices Act is being violated with a collection on a public utility debt that has not been proved with true copy originality submitted to me. Secondly, public utilities have no right to post collections on any of the pertinent credit bureaus. This collection is not only a violation of the FDCPA but of the Fair Credit Reporting Act as well. The collection must be erased from my credit profile immediately, and if this collection is valid, a complete attachment of documents must be submitted along with the transfer of either ownership or power of attorney to collect the debt if indeed it is valid. Therefore, this account must be deleted immediately and permanently!!!
|
| 10/24/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
CONVERGENT OUTSOURCING is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. CONVERGENT OUTSOURCING is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337. Also violating state laws Section 392.101 of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
|
| 04/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/XXXX, my identity was stolen and someone tried to purchase a XXXX phone in my name. A police report was made, contacted all credit bureaus and am fraud alert was reported to XXXX. XXXX apologized and the debt was immediately removed from my credit reports.
On XX/XX/XXXX, Received a notification from Convergent that I owe the creditor XXXX XXXX {$1800.00}. I called them to explain that I do not owe this money and to bring this back to me after I dealt with an emotional experience with identity theft was unfair. After the conversation, I thought they understood but I continue receiving the same letter month after month. I received another letter today and I am tired. I want them to stop and leave me alone.
|
| 03/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The company, Convergent Outsourcing , Inc., sent me a collection letter on a XXXX utility bill that was already paid in full to XXXX for {$160.00}. I called XXXX to verify and they stated that I have a XXXX balance and owe them no money. I also have payment from my accounts and on the XXXX application which shows no money is owed. This company needs to check their records because they have false information, and no money is owed and I have no outstanding debt with XXXX and owe this debt collector no money. They do not have their records correct and through their letter, on the back, threatens to report this on my credit in 30 days. There is no debt owed, therefore they will be reporting a false debt on my credit.
|
| 07/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$370.00}.
|
| 06/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Convergent Outsourcing ( CO ) is a debt collector for XXXX XXXX ( XXXX ). CO has information on my credit report as an unpaid debt with XXXX. On XX/XX/, I paid the debt with XXXX to XXXX on their website and received confirmation of the payment in full. I have sent multiple emails and have disputed the entry for CO multiple times on my credit report however, CO is not responding to my emails and CO reports that the information is accurate on my credit report - even though it is not accurate. I finally received a statement from CO on XX/XX/XXXX showing the account as paid off however a dispute I had filed to have the information removed was closed on XX/XX/XXXX stating CO says the account is still not paid off.
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} Convergent Outsourcing : {$1000.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.
|
| 06/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing is attempting to collect on an account that I have no knowledge of and that I have already reported to the credit bureaus as not being my account. I have contacted them asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation, the only thing that I keep receiving back is that the account has been verified which does not prove that I am obligated to pay them anything which is not the truth because this account does not belong to me. They have reported delinquent information to the credit bureaus since XX/XX/2016 I am asking be deleted.
|
| 10/06/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Convergent outsourcing have open a fraud account on my XXXX report. I didnt open a acount on XX/XX/2020. Report that i owe them XXXX. I do not owe covergent. I ask the conpany on XX/XX/2020 on a letter prove me or send prove of the debt. The company have not provide me verification or validation of debt. Not provide the original contract with all the payment history from the purchase to the defaut date. The account in XXXX is inacurated report remark confusion it have like 5 different remark and a 1 month term for fact i know that cell phone company only 24 month term or prepaid. And the account is only in the XXXX thats a violation to my right to have a 100 % accurated credit report on all the credit burue.
|
| 12/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2020, CONVERGENT OUTSOURCI add a derogatory mark on my credit reports. CONVERGENT OUTSOURCI did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
|
| 09/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Original Debtor, XXXX, keeps changing collection agencies to illegally re-start the clock on a debt thats several years old.
Current collection agency, Convergent Outsourcing, Inc, also refuses to correct the dates of the history of the account.
XXXX refuses to verify the correct age of the account. Ive asked for documentation of verification numerous times. Nothing!!
Ive also disputed the history of the account with XXXX ( the most unscrupulous credit bureau ) several times as well to no avail!
The dates and history of this are incorrect and no documentation has been forwarded to me for verification. No account numbers or phone numbers. Nothing. No contact information for the collection agency either.
|
| 05/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX credit report of mine shows that a company by the name of CONVERGENT XXXX , INC .is stating i have a collection account with them on behalf of XXXX XXXX in the amount of {$280.00} and the account was opened on XX/XX/XXXX . I h ave never authorized an account with XXXX XXXX or had any type of service with them. they have deleted the account from my XXXX credit report on XX/XX/XXXX a nd from another company XXXX , XXXX XX/XX/XXXX . XXXX stated I need to contact them which I already have and I was told I have never had an account with XXXX XXXX . If this is the case then why are XXXX different companies coming after me then being deleted now back on my credit report?!
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
|
| 10/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX pulled a copy of my credit report and noticed the collection. I requested that the credit bureaus remove. XXXX and XXXX has deleted this collection, however XXXX has not only failed to do so but the debt is being reported twice causing double the impact to my credit worthiness. I have requested several times that the this bureaus provide physical verification that this debt has been verified and as of date they failed to do so. Whereas other bureaus have deleted.
On XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX Request to reinvestigate with XXXX and provide physical verification. Documentation will be attached.
Also sent request directly to XXXX XXXX to validate this debt and no response as of date.
|
| 06/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
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 XXXX
|
| 06/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This is my second complaint against Convergent Outsourcing in the last XXXX weeks. Today, when I got home from work, there was a message on my HOME anwering machine to call them about account number XXXX. This is a WORK related account, not home related. They had NO right to call that phone number, especially since it is unlisted/unpublished. I am attaching a copy of my last statement from XXXX XXXX, showing a credit balance of - {$80.00}.
I called them back and I was NOT nice to them. I probably will be filing in civil court against them very soon.
Unfortunately, I erased the message, as my wife would have had a bad reaction to the message, eventhough XXXX XXXX and Convergent Outsourcing are in the wrong.
|
| 07/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I had identity theft in 2013, and XXXX XXXX ( I 've never lived in GA ) charges were sent to the collection agency XXXX XXXX ( XXXX ). I filled out a police report, placed a fraud alert on my credit agency reports, and completed an Identity Fraud packet for XXXX. The debt was settled with XXXX group. They were very helpful. Now, 2 years later, I am receiving calls and letters from Convergent Outsourcing, attempting to collect the same debt ( but in a different amount ).
I faxed and mailed Convergent all my supporting files from the previous experience with XXXX but only those with my address and no other info. A phone rep told me she considered it settled, but mail keeps coming from them asking for the debt.
|
| 10/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This is my second last complaint I am filing in regards to convergent outsourcing. Upon speaking with supervisor today he hung up directly on my face ( call did not drop ). I took care of an account with them back in 2017 AND I WAS STATED THAT IT WOULDNT BE REPORTED ON MY CREDIT REPORTS. fast track to today, and I've been allocating well over 20 hours per week to fix this matter ( started a week ago ) each and every single representative that I am speaking with is lying to me and furthermore I do not apprecite the hang up by the supervisor. This company has been an absolute nightmare to work with and I am in the process of getting an attorney. They have wasted so much of time and are extremely unprofessional.
|
| 03/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This has been going on for years that I keep getting letters for a debt with XXXX. It first started on XX/XX/14 with XXXX XXXX XXXX. I filed a complain with CFPB on a debt I have never had and on XX/XX/14 XXXX sent CFPB a letter that I have never had an account with XXXX. Then on XX/XX/14 I received a letter from XXXX XXXX XXXX stating I owed this debt from XXXX. I filed a complaint here and XXXX XXXX XXXX killed the collection notice. Now yesterday I received a letter from Convergent Outsourcing XXXX Inc. saying I owe {$680.00} for a credit card I have never had. Attached you will see all my previous letters I have received and the letter from XXXX. I have also attached the new letter I received yesterday.
|
| 01/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 05/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX XXXX, is reporting information on my credit report that is well over the statue of limitations for collecting a debt. The company that I obtained this debt with is XXXX whom which was well over 7 years ago. This account was sold to convergent inXX/XX/XXXX. When I call this company to obtain validation of this debt, and inform them that they are illegally reported to my credit, I am left on hold and then ultimately hung up on. I have also done my own research on this collection agency and over 90 % of customer complaints have been reported as the same issue.
Thank you, XXXX XXXX XXXX XXXX p.s.
last credit report date was XX/XX/XXXX and before then XX/XX/XXXX account with XXXX was inXX/XX/XXXX.
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I mailed a letter to this collection company disputing that I opened an account with XXXX XXXX. I have used Prepaid XXXX XXXX for over 15+ years. I requested validation of this debt as well as told them it was fraudulent as it was not me. I do not own ANY PHONES or SERVICES with a XXXX XXXX account and to not post any negative marks to my credit reports for a debt I do not owe, and that it is a violation of the fRCA & the FDCPA ( Fair Credit Reporting Act & Fair Debt Collection Practices Act ) but, however they did just that! They reported this erroneous unvalidated debt to all three credit reporting agencies and this debt does NOT BELONG TO ME.
I am hereby filing a formal complaint with you!
Thank you
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was a victim of identity theft. I sent XXXX, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
|
| 11/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Repeated attempts to validate alleged debt, sent certified letter XX/XX/18 and XX/XX/18. Convergent Outsourcing fails to provide proof of alleged debt and continues to make false report to credit bureaus of inaccurate information. Spoke with XXXX lead supervisor at XXXX who stated the account was closed and no longer in the office as of XX/XX/18 but refuses to send confirmation in the form of a letter requested that the account was removed from their office. I called everyday for 5 days and no one will direct me to the correct person who handles these matters. Please remove from all 3 credit bureaus this is reporting to. This is a violation of my rights to report inaccurate information on my credit report.
|
| 12/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX XXXX/2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXXXXXX claims that i am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX, if this matter is not resolved immediately by deleting this unverified debt from my credit file.
|
| 06/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Around XX/XX/2021 I received an alert the my credit score had dropped, I quickly reviewed my credit report and found an account being reported as delinquent. This accounts shows as XXXX XXXX, the amount owe apparently is {$440.00} The account is being collected by a collections agency called Convergent. I contacted XX/XX/XXXX multiple times and they were unable to assist me, they were asking me to provide a password for an account that is not mine. I explained to the agents that this was not my account, I only have one account with XXXX XXXX and that account has an impeccable payment history. I have never requested to have an additional account, nor have I live in a different address for the last 20 years
|
| 02/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On my current credit report, it is stating that owe XXXX on a XXXX balance with XXXX. This was with a previous collection agency with whom I settled this debt for XXXX dollars on XX/XX/17. I received email confirmation that this debt has been settled with XXXX for XXXX and that no further collections will be pressured unless perhaps I decide to rejoin services with XXXX which i have not. I do not understand why I am still being gone after for the remaining balance. I have the bank statement of the XXXX being taken out by the collection agency and the email confirmation proving debt was paid. I dont understand why there is a collection for the remaining balance. I have proof and I want this off my record.
|
| 10/07/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
After noticing the debt on my credit report, and noticing my credit report also states I have made a payment to Convergent and I have NOT, I sent a letter to XXXX XXXX ( here on out referred to as XXXX ) via XXXX requesting debt validation.
A request was made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. As stated in the law, XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter, or phone call from XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report, and more than 1 month since I requested validation.
|
| 01/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an account with XXXX that was sent to a collection agency ( convergent outsourcing ). I made arrangements with the agency to resolve the debt in which they were on autopay so that the payments were made on time. From XX/XX/2021 I paid XXXX and until XX/XX/2021 I made arrangements of XXXX. I ended up paying it off early in XXXX of 2021. After paying off my balance the company went on to charge my card again in XXXX for {$370.00} and in XXXX charged it again. I tried to reach out to them but had no luck by phone. I decided to write an email and was then contacted. I was able to get a reversal on the XXXX payment and was told they would reimburse me for XXXX. To this day I have not received my money.
|
| 02/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/XXXX got a letter from Convergent Outsourcing-XXXX claiming I had joined a XXXX XXXX in XXXX XXXX, Nevada in XX/XX/XXXX and didnt pay the contract-but if i pay {$250.00} it would satisfy the judgement.The original balance was {$1000.00}. But they would settle for {$250.00}.
This was from XXXX XXXX XXXX , XXXX.
I actually have never considered joining a XXXX XXXX because of their high prices and arrogant/snobby people that usually go in there. Had i ever joined that gym i surely would pay for it. I have lived in Idaho since XX/XX/XXXX and can prove it.I have perfect credit. This is a clear fraudulent claim/mistaken identity.This gym was in XXXX XXXX, Nevada.I have lived XXXX Idaho for 31 years.
|
| 03/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a legitimate-looking letter in the mail from debt collector Convergent Outsourcing , Inc . It claims that I have an account with XXXX, with a past due balance of {$190.00}. It claims to offer me a reduced balance of {$96.00}, as a one-time-only offer.
I do not have an account with XXXX, nor do I live, or have ever lived, in a state in which XXXX offers services. I called XXXX to make sure this is not a case of identity theft, and they confirmed that I do NOT have an account with them.
This is a case of fraud, but I am not sure if the company Convergent Outsourcing , Inc., itself is the perpetrator, or if there is another party posing as Convergent Outsourcing , Inc., to carry out this fraud.
|
| 06/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Keep getting repeated robot calls from this company, Convergent, all hours of day and night. The problem is that I am not XXXX?? and do not have any bad debt.. My FICO score is XXXX and no bad credit on my file for over 30 years. The calls keep asking for a XXXX?? ( can not spell the last name ). I have called them and asked them to remove my name from call list as there is no XXXX?? at this number. They promise to do so, but calls continue. Latest call was this morning at XXXX XXXX. The number that called was from XXXX, but called ID states it is from Convergent. I have also gone to their web site and filled out the form to stop the calls, but they continue this harassment. Wish the CFPB could help me.
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| 02/16/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/2019 I switched phone providers and was told that I will receive the last billing statement in the mail, specifying the amount due up to XX/XX/2019 ( last day I made use of the previous provider ) However, on XX/XX/2019 I received a letter from Convergent Outsouring Inc. dated XX/XX/2019 stating I owe {$330.00} in full for XXXX phone service with no breakdown of the amount claimed.
1 ) I made a payment over the phone with XXXX for {$110.00} on XX/XX/2019 and stopped using their service on XX/XX/2019. How can 1 week of phone use add up to {$330.00}?
2 ) Why didn't I receive the last billing statement from XXXX as informed but did it go to Collections after only one week of closing the account?
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| 01/25/2016 |
Yes |
- Debt collection
- I do not know
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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I got a letter from Convergent Outsourcing , Inc . I live in XXXX now and they are sending it to my XXXX address. They state that I owe {$670.00} for an XXXX account with Convergent Account # XXXX. First of all, I have no idea what this account is. I have never been sent any verification of this debt. I am formally requesting substantiation of debt since I live in XXXX. Second of all, they are requesting that I " settle '' this account for 40 % ; however, they also state that this debt is too old to be sued on. To use the word " settle '' implies that they are going to sue me. This debt has passed the statute of limitations and to me this is a violation of the FDCPA to threaten to sue me an an old debt.
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| 07/16/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Convergent Outsourcing, Inc. have been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
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| 01/04/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a call from phone number XXXX on XX/XX/2020 from a woman identifying herself as XXXX from Convergent. She stated that she is a debt collector and this is an attempt to collect a debt. She stated that I owed some amount to XXXX and asked how I would be paying. I responded that I had never heard of her company, Convergent, and that I needed for more information about the debt before proceeding.
I waited for the initial notice to arrive in the mail over the next couple weeks and I still have not received one. The Fair Debt Collection Practices Act provides that a debt collector must provide this within five days of its initial communication with an alleged debtor and Convergent did not do so.
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| 06/22/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently checked my credit reports and there is a collection account showing on my credit reports for a company called Convergent Outsourcing. The original account holder is XXXX and in the amount of {$720.00}. This alleged account does not belong to me and is causing negative information to be reported. I've already reached out to XXXX and they advised me to reach out to Convergent Outsourcing to have the negative information disputed and removed. I have disputed the Convergent Outsourcing collection account with all 3 credit bereaus and they refuse to remove the alleged debt. At this point I would just like it to be removed so that I may be able to acquire new credit and build a positive portfolio.
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| 03/29/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Convergent OutSourcing is trying to collect {$1200.00} for a utility bill from Texas. I don't live in Texas. I would never co -sign for anybody. The last time I have been to Texas was at 1994. I live in Florida. I Have outstanding credit. I have been working for the XXXX XXXX as a XXXX XXXX for XXXX. I have reported this to XXXX everything was erased because it was fraud. This happened last year with another collector it was also erased but it came back again with this Collection Agency. Convergent energy asked me to file a police report as well. This is where I'm confused? Is this necessary? Your help will be greatly appreciated. Thank You Creditor : XXXX XXXX XXXX # XXXX Convergent Acct XXXX XXXX
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| 03/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. The tradeline, which appears on my credit report from CONVERGENT XXXX XXXX last reported XX/XX/XXXXin the amount of {$820.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both CONVERGENT XXXX XXXX individually and have not received any reply back
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| 09/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
Older American |
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I keep getting calls from Convergent a debt collector about a past due bill with XXXX. I do have services with XXXX, but my account with them is valid and not late. Now my oldest son opened an account with XXXX in my name without my consent and I 'm assuming this is what the delinquent account is for. The amount is for XXXX. My current account number with XXXX cable is XXXX for XXXX where I have reside for the past 14 years and this account has been opened for the past 4 or five years. The XXXX addresses that my son lived at was XXXX, AL XXXX and XXXX, AL XXXX. Again I 'm urging this company through this site that I never lived there nor did I give my son permission to open these accounts in my name.
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| 02/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Convergant Inc. supposedly has my comcast account in collections. They talked me into making a payment arrangements based on incorrect information. Everything I read about them tells me they are a scam. They do not have my correct Name or Address or State. I 've tried to talk to them about refunding my payment so that I could pay XXXX directly and they refuse to comply and state that I told them to the correct information even though they dont have the correct information on file for me.
XXXX XXXX XXXX XXXX XXXX XXXX are the supervisers I 've talked to. They have told me it can take up to 72 hours for them to look into it and I still have n't received anything from them. nothing but radio silence.
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| 04/12/2016 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated an attorney or official
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Web |
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Beginning on XXXX XXXX, ( 3 days ago ), I began receiving " robo-calls '' from phone number XXXX. A recording begins, identifying the caller as " XXXX XXXX '' and stating that he 's contacting me about " an important legal matter '', and that I should press 1 to be connected to a representative. I believe this is a shady collection agency scam, since no reputable company would fail to identify itself and attempt to imply that it had " legal matters '' to discuss, in this manner. Years ago, I had used payday loans, and this reminds me of the collection tactics that were employed by those firms. I do n't owe anyone money and I 'm getting tired of this harassment. They are calling my cell phone number.
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| 01/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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On XX/XX/2017 I received an alert from my credit monitoring service that a collection account has been added to my credit report. I notice this is from a company I have never heard of or done business with. Convergent has placed an account on my credit report without contacting me, neither before or after the negative reporting. I was n't even given the opportunity to have this debt verified or disputed and more importantly I am convinced that this is a fraudulent reporting and extremely poor and deceptive collection practices at best. Convergent is practicing deceptive debt collection and has a total disregard for the Fair Debt Collection Practices act as they are in complete violation of the act.
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| 01/10/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is in reference of a letter claiming I OWE a debt from you all that i do not claim. Also, it was a threat made at the end of the letter that claimed if I do not respond to you all you will tarnish my credit report and report that unidentifiable .From my knowledge you are breaking multiple laws that will be enforced.We do not have any contract formed that you should be contacting me this is invasion of privacy because I do not know who you are and for you to say that I owe you anything being that you are a debt collector is another form of violation containing the FDCPA law .Every violation found is XXXX dollar violation please remove a ; l information yuou have associated with me immediately.
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| 10/10/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Hello, I am filing a compliant about a Debt Collections agency called Convergent Outsourcing. I had an old phone bill for XXXX sent to them. In a piece of mail and on their website they falsely claim to make a settlement for the amount owed. On their website they claimed if I made a payment for XXXX my debt would be cleared. It has still never cleared, when logging on to review my account with them it is asking for another amount to settle the account. I have XXXX screen shots attached below. I have also emailed them multiple times and never get a response. I would like to clear this off of my credit report as I plan to join the XXXX next year and can not have accounts in collections.
thank you.
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| 12/21/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
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| 11/08/2017 |
Yes |
- Debt collection
- Private student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I sent a validation letter to XXXX XXXX on XX/XX/XXXX. I received a letter indicating that the debt was valid. I found multiple issues with there findings which are listed below : 1. The last payment date on the payment history report is XX/XX/XXXX but the loan was not disbursed until XX/XX/XXXX.
2. The first transaction was listed as XX/XX/XXXX, again that does not match the last payment date of XX/XX/XXXX 3. They have a signed contract without a date but a signature with a date of XX/XX/XXXX but the contract date was XX/XX/XXXX.
4. On the Disclosure Statement of repayment, the disclosure date is for XX/XX/XXXX but the disbursed date is on XX/XX/XXXX.
Clearly, these dates are not matching up.
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| 07/28/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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I paid Convergent Outsoucing payment on XXXX/XXXX/16 as payment in full for XXXX bank for a credit card that I did not have but is on my credit report. i disputed this but they wont remove it so i paid convergent who said they would email me a letter the next day saying account was paid in full but they did not. am attaching a copy of credit report and proof of my payment to convergent to pay off this account. I had a premiere bank account over 7 years ago that was a prepaid credit card and I was using my own money. When I closed the account they never refunded my deposit that was supposed to be held in a savings account. I called Convergent and XXXX and am getting no satisfaction. This is a scam!
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| 02/21/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Convergent Outsourcing is reporting a collection account on my credit reports that I am not familiar with. I have tried to reach out to them via mail to see where this account came from and all documents associated with this account and was ignore. I have never received any documents from them or any type of communication regarding this account. Here is the tracking to prove they received my dispute, XXXX XXXX XXXX XXXX XXXX. I took it upon myself to look up some of the credit laws and saw that it is illegal to ignore a consumers request to dispute an account on their reports. I am demanding that this account is deleted as they are a consumer reporting agency but are violating the consumers laws.
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| 01/26/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Convergent Outsourcing is reporting a collection account on my credit reports that I am not familiar with. I have tried to reach out to them via mail to see where this account came from and all documents associated with this account and was ignore. I have never received any documents from them or any type of communication regarding this account. Here is the tracking to prove they received my dispute, XXXX XXXX XXXX XXXX XXXX. I took it upon myself to look up some of the credit laws and saw that it is illegal to ignore a consumers request to dispute an account on their reports. I am demanding that this account is deleted as they are a consumer reporting agency but are violating the consumers laws.
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| 09/16/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a bill today ( XX/XX/XXXX ) in the mail from a debt collector ( Convergent - XXXX ) telling me that i owe {$2100.00} associated with XXXX XXXX ( XXXX ). Apparently, someone that lived or was associated with property at XXXX XXXX XXXX. XXXX, Michigan used my identity to get electric at this address from XX/XX/XXXX to XX/XX/XXXX. What i can tell you that i never lived in the state of Michigan. I never stayed overnight in the state of Michigan and I NEVER authorized ANYONE to use my identity or my name, etc. to purchase anything from XXXX XXXX. I've NEVER had any agreement with XXXX XXXX ... I NEVER lived in their service area. My identity was stolen to gain these services from XXXX XXXX.
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| 08/09/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I recently noticed a pattern of random accounts appearing in my debt collections on my credit report. I have had a number of accounts that appear to have a very similar sequence of a time frame in which they were established. I did not authorize nor do I have knowledge of how these accounts were opened without my consent. I am not sure of how someone could have obtained my personal information in order to conduct such activity. This appears to be a case of identity theft and I wish to address this matter immediately. The debt collection states on my credit report that the original creditor was XXXX but mind you I did not have service with that company during the time of this frivolous occurrence.
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| 12/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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Web |
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Convergent Outstanding does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX XXXX ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. Convergent advised that they has since ceased collection in their office. I still have not been provided with the validation letter Convergent Outstanding keeps saying they have validation but is never mailed one to me and did not advise me of my right to dispute. Convergent Outstanding advised that they would cease reporting to the credit bureaus is a forming of pursing collections.
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| 08/18/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX convergent outsourcing XXXX opened XX/XX/XXXX reported XX/XX/XXXX amount {$1100.00}. I had emergency to come up where I had to move immediately. I packed of XXXX XXXX equipment and contacted them and told them to come pick up the equipment at the location in which it was installed. They said they would come pick it up but never showed up. I contacted XXXX XXXX again and told them i have the equipment packed for someone to please come out and pick it up off the porch because I have to leave the location due to an extreme emergency they agreed. From my understanding they were suppose to come and pick it up and if they didnt it is on them for agreeing to pick up their property on time.
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| 12/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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i do not know how this individual obtained my personal information Accounts : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Convergent outsourcing Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX, XXXX ACCOUNT NUMBER XXXX XXXX XXXX Account number XXXX Inquiries : XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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| 03/16/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I first contacted convergent back on XX/XX/XXXX via certified letter which they have received, I asked them to verify and validate this XXXX phone bill, they say I dont which I do not! I have never had service with XXXX ever. I then asked in the middle of XX/XX/XXXXafter not receiving any correspondence from them for them to provide me with the contract that was allegedly signed when the service was started, still no response, I then sent a third letter in the beginning of XX/XX/XXXX, still no response ... .I have called several times and keep getting hung up on, I advised them that I have never had service with XXXX and for them to send me all the paperwork! I have not received a response back!
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| 05/13/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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Receive a letter from Convergent Outsourcing CLAIMING I owed {$590.00} to XXXX Account # XXXX from XX/XX/2021 with their reference # of : XXXX.
I've NEVER had any account with XXXX and in fact they do not service this area as we have XXXX which is paid in full automatically every month via a direct withdrawal from our checking account. [ Lived here over 40 years ] Checked on the web and saw numerous claims regarding this scam company and even reports of lowered credit ratings after contacting them { which is why I am turning to you and not them }.
In my XXXX years on this planet I've never not paid my bills when they were due and such people attempting top say otherwise makes my blood boil.
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| 01/21/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I have sent Convergent Outsourcing Inc. multiple validation of debt letters which have been ignored. I expressively stated I wish only to work with my original creditor. This has been ongoing for months. Today I am going to my town hall to get my 4th validation letter notarized and sending it to this creditor in a final attempt for them to cease and desist. I will provide any and all information the CFPB that is deemed necessary. I do hope you will help me stop this collection agency 's disregard for my rights and requests. They are damaging my credit that I have worked very hard for. Despite my efforts requesting they Cease and Desist they are reporting to the credit bureaus still as of today.
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| 10/11/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I initiated a disputed with Convergent asking them to validate the two debts ( XXXX and XXXX ) that they were reporting on my account. I asked for a SIGNED contract between me and their company. As of XX/XX/XXXX I have YET to receive ANY documents that validate the debt. However Convergent has chose to ignore my request and violate my consumer rights by continuing to report their tradeline on my credit report. I sent them the proof they requested via the BBB the following day and they have yet to respond to my BBB proof they requested via my CFPB complaint. They are BEYOND the 30 days allotted by law and I am ready and willing to seek legal action to protect my credit worthiness.
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| 06/15/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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I 've received repeated calls from a company that my caller ID says is " XXXX XXXX. '' I answered and was told it was " Convergent Outsourcing. '' The person on the line said they were calling about my business with XXXX and asked me to confirm my address or the last XXXX digits of my social security number. I refused, saying I would not until they told me why they were calling. She refused, said they sent a letter ( I never received one ), and said she would send another one. I said ok and hung up.
They never disclosed whether or not they were seeking a debt ( though Convergent Outsourcing is a collector ). Furthermore, I owe no debt to XXXX. I concluded my business with them some time ago.
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| 09/03/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I cancelled my TV subscription with XXXX XXXX because I moved to different area and the new places policy was not to bring that kind of services. I contacted them that I want to cancel the service in XX/XX/2022 I forgot the actual date thats when then said I have to pay {$400.00} to do that because I upgraded to a different services and their policy stated that if I was to cancel within 2 years I will pay. I was not told about that and when I go back on the forms, I didnt sign, someone put XXXX as my signature. I refused to pay and they took money out of my bank account. I disputed it and recently I received an email from a company called Convergent Outsourcing that I owe XXXX XXXX {$990.00}.
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| 07/03/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2021 I received a letter from Convergent Outsourcing Inc . This letter stated that I owed a debt of XXXX to XXXX XXXX XXXX. I knew this was not my debt, as I have never had a XXXX XXXX account. I wrote to Convergent Outsourcing Inc. two weeks after receiving the letter informing them this was not my debt. They then responded that they had verified this was my debt, and attached the relevant contract. However, the contract they attached says the account holder is XXXX XXXX, and is clearly signed by one XXXX XXXX XXXX. My name is XXXX XXXX XXXX. XXXX XXXX was my father, who died over three years ago. I do not know how my name became associated with his account, but this is not my debt.
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| 03/07/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have been disputing Convergent Outsourcing for several years. I never received any notice of the debt or validation that I owe the debt. XXXX removed the debt by XXXX and another debt collector. Convergent appeared and I immediately took action. The issue is with XXXX and XXXX. No matter what I do Convergent will not work to validate a debt I do not owe. I even called XXXX and the gentleman I spoke with said there was nothing they can do. My credit is flawless. I do not have any late payments etc. I owe no one anything! Convergent Outsourcing claims I owe {$530.00}. I was going to pay it just to get them off my back but I do not feel its right to pay someone for something that is not yours.
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| 03/16/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted this company and asked them to validate this debt and to send me the original contract from when this account was first started, they in return sent me someones bill saying the debt has been verified! Verified by who? I do not know because I am still waiting on the contract with my signature that I originally asked for. Under the fair credit reporting act I have a right to see the contract of anything that I allegedly owe. Several times I have sent the same letter to the company, with the first date being back in XX/XX/XXXX and I still have not received what I requested. As a bill from someone ( not me ) is not validation. I dont know who opened this account but it was not me
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| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit XXXX XXXXXXXX and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
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| 12/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Started getting phone calls and fake XXXX bills in 2017. Called XXXX immediately and they said I do not have an account with them under this particular account number they are providing nor under my personal information for XXXX $ I got calls from XXXX NY and Florida. Now I am getting calls from what appears to be in my state but when I research number its not an active number.
I now have a collection under my credit report from this agency : Convergent Outsourcing in Washington state for this amount but have yet to get any information because they ask for my personal information like my SS number which I Am not giving them. There is already a class action lawsuit against them. Please help.
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| 01/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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Convergent Outsourcing Inc. Sent a letter addressed to me saying that I owe a debt that isn't mine and that if I don't pay it, they will add unauthorized information to my credit report which is a violation of the FCRA 15 USC 1681i as well as other laws. Please delete this debt as I do not owe it and you are not authorized to put any negative information on my credit report. I was lied to and misled at some point. I am here by exercising my rights under the FCRA. ACCT # XXXX should be deleted immediately. Validate the debt. Send copies of any contracts with my signature as I am the original creditor in all consumer credit transactions. There are also letters to XXXX, XXXX and XXXX attached.
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| 08/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am filing a complaint against CONVERGENT OUTSOURCING because they are attempting to collect a debt that I do not owe them. Account Name : CONVERGENT OUTSOURCING, Account Number : XXXX.
I would like for CONVERGENT OUTSOURCIN to show proof of verification that I owe them {$1200.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
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| 11/07/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. CONVERGENT IS VERY WELL AWARE THAT A REPRINTED STATEMENT IS NOT A VALIDATION OF DEBT AS I HAVE REQUESTED ON NUMEROUS OCCASIONS.
The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter.
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| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX open XXXX XXXX {$1300.00} XXXX XXXX open XXXX XXXX {$360.00} Convergent Outsourci open XXXX XXXX {$5800.00} XXXX XXXX co also the i get denyed by banks never open a account a day in my life need everything gone from my report.
its say i have a collection of over 6,197 i called and i tryed disputing, people say i owe i get denied for house becouse of it, i know the person who used my identity to get things in my name i didnt give access to my credit report till this year my mother been using my name to get thing without my permission. also i got my last name changed due to marrage need everything updated my info and the info on my repoet is wrong. i was a victim of identity theft
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| 10/28/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a past due debt owed with XXXX XXXX XXXX cellular services in the amount of {$1500.00}. I paid the debt in its entirety directly to XXXX in store. The manager at XXXX XXXX assured me that once the full amount of the debt was paid in full they would in turn contact the debt collector convergent outsourcing and advise them the debt was paid in full and instruct convergent outsourcing to remove the collection account from my XXXX and XXXX credit reoport. As of today both credit reporting agencies have refused to remove the collection account from my reports and when I called the collection company they advised I need to dispute with credit bureau. Neither company is willing to help me
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| 11/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have contacted Convergent debt collection company on my own to resolve a debt that I noticed on my credit report. The debt was originally acquired from XXXX mobile company. Convergent collections company refuses to send me a bill with an account number via mail or email so that I can pay the debt. I have called more than three times a week XXXX XXXX XXXX. I have spoken to the supervisor on XXXX occasion who assured me everything would be handled correctly, and still nothing. I do n't know what else I need to do to get this company to send me a legit bill so I can pay the debt. I am also nervous that if I do send money, they will not properly process it and the debt will remain current.
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| 01/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
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| 06/30/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only.
Thank you for your consideration in this matter.
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| 03/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I canceled my cell phone service with XXXX because they misrepresented a feature they offer they said for a additional {$10.00} a month I can have service without borders in XXXX and XXXX I accepted and paid {$10.00} every month a year later they said I violated a term then they said the phone that was using this feature was costing them to much money so they were going to turn it off so when they turned it off I changed providers I was under no contract with them so when I received their final bill I established a payment arrangement they agreed I made a payment and they still sent my balance to a collection agency there was a payment arrangement in place??? hope you can help thank you
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| 07/01/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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On XXXX XXXX, 2016, I saw that I had a bill from Convergent Outsourcing. Which the debt collector sent this debt to an old address that I have not had any type of communication with since XXXX 2016. I never knew I had a debt I collection. The original creditor, knows my physical address, because I already have an separate open case with this creditor. Which I am asking for Convergent Outsourcing to send my verification of the debt and I am also disputing the debt. The information that debt collector has sent me does not outlined to make me understand the amount they are asking for. I have no knowledge of the debt and the debt is not mines. I did not have enough time to dispute the debt.
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| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2020 Convergent Outsourcing has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. Convergent Outsourcing Still hasnt fixed there mistakes. In accordance with the fair credit act Convergent Outsourcing Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. Convergent Outsourcing has used my report improperly for long enough XXXX already deleted this account from my report now its XXXX XXXX XXXX still reporting false information for years.
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| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I sent XXXX a dispute letter to validate a debt collection on my credit report, and update addresses on my report .I received a response back stating that the debt is valid, and to remove addresses on my report I have to contact the sources directly. XXXX sent no documents from the collection company explaining why.
I sent a dispute letter to the collection agency ( convergent outsourcing Inc. ) also. They sent 6 pages of online bills with no signature or any proof that the debt is valid. Two of the pages were ads for XXXX mobile services.
The addresses I wanted to remove were attached to public records form over 8 years ago.I just wanted to have current information on my report.
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| 11/21/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Convergent Outsourcing is falsely reporting a debt as being opened much later than it originally was in an attempt to force me to pay them I have no contract with them and was not informed they would do this when I disputed this information with XXXX they not only verified the debt as accurate but when asked to send me a written response they instead just updated the debt as a missed payment once again re-ageing this debt is illegal on their part as I can only be held accountable for the actual dates the debt was incurred my attempts to resolve this issue and simply report the correct dates have been met with both them and XXXX simply adding new dates from this year onto the account.
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| 05/22/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX placed a collection on my credit history in XX/XX/XXXX claiming that I owed money to XXXX XXXX as ofXX/XX/XXXX, which I don't seeing as how I have not had XXXX XXXX in my household in years. The debt was originally placed for collection by another company, which removed it after a lengthy dispute which found it to be fraudulent, only to have it pop up AGAIN with this company.
I have disputed it in XXXX and it was removed, XXXX and XXXX have refused to remove it and claim it to be accurate, yet I still have yet to see a bill dated XX/XX/XXXX that shows that I owe any money from anyone. This company is simply trying to collect something that was already proven to not be owed.
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| 02/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " XXXX '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this collection account to my credit file.
|
| 02/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " XXXX '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this collection account to my credit file.
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| 03/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
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I am a victim of possible identity theft. An amount of {$4100.00} has been placed for collection by XXXX - on XXXX/XXXX/XXXX - through a collection agency named Convergent LLC based in XXXX in Washington XXXX ( XXXX ). I have not subscribed to XXXX as XXXX XXXX XXXX has been our communications provider for decades. I added XXXX phone/internet/FiOS service in XXXX XXXX. I had some messages from XXXX collection at that number ( XXXX ) but ignored those thinking these were for the previous holder of that number.
I have so far informed the XXXX credit bureaus and Washing State Consumer Complaints division.
As a XXXX I am charged with reporting any such fraudulent activity affecting me.
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| 02/08/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a document that appears to be a bill. It is from a company called Convergent. They are collecting {$110.00} on behalf of XXXX. I have never had such account for any services or purchases. The first time I called Covergent ( the debt collector ), they refused to give me information unless I disclosed my social security number, which I did not so they hang up on me. The second time I called, they gave me a bunch of addresses where they say I have lived before but none of them were mine. They asked for my phone number in case I got " disconnected '' from the call, and also asked for my SS # again. I did not give the information and told them I would be reporting this incident.
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| 03/22/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I started receiving calls from a local number claiming to be XXXX XXXX and they never left voice mails and would call twice a day. And XXXX always calls me from an XXXX and always leaves a voicemail. And i finally answered and knew right away they were fraud and were trying to get me to pay {$140.00}. I called XXXX right after and let them know and they said my account was in good standing. And I kept getting calls until i told them they had the wrong number then I got a collection bill for the same amount from Convergent Outsourcing Inc. and I looked up the company and its a scam. The whole thing is all a scam. I didn't pay them anything because I know my account it in good standing.
|
| 06/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I disputed this account with Convergent Outsourcing stating this is not my account and it was updated a valid on my credit reports. They did not provide any signed contract or anything else stating this account was mines. This company is in violation of the FCRA for verifying the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.
|
| 05/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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I received a credit alert through my Credit monitoring service that CONVERGENT OUTSOURCING had reported an unpaid debt to XXXX credit bureau. I cantacted Convergent three times trying to verify the dept in writing and after two month i 'm still waiting. I was told over the phone that I owed XXXX money ( could no tell me how much ). I joined XXXX and they were not able to connect our unlocked iphones. We tried with them for two weeks and finally they gave us an option to buy phones from them of cancel the service. We cancelled the service and since we were not able to use their service, they told us that we do not owe them anything. We never received any bills of phone calls from them.
|
| 04/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Over 5 years ago, I received a collection notice for a XXXX debt that was not mine. Someone had opened a XXXX account in my name in another state and never paid that bill. I immediately contacted the debt collection agency and they took it off their records. I then contacted XXXX and got it taken care of. Today, I received a debt collection notice from Convergent Outsourcing Inc. for this same debt. I called Convergent and explained the situation to them, and they are to send me a fraud packet to complete and return. I wish I hadn't called them because I gave them personal information and now I'm reading that they are a scam company. This debt has never appeared on my credit report.
|
| 07/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been contacted, and the company Convergent Outsourcing Inc. working for XXXX XXXX XXXX XXXX XXXX who somehow acquired the account from XXXX has sent me 2 letters in the past month on XX/XX/XXXX and on XX/XX/XXXX about a debt that I do not owe. I also have received several phone calls in months past about the debt. I submitted a police report to the company last week XX/XX/XXXX proving to them that the fraudulent bill was a matter of identity theft. I continue to be harassed by companies that the original debtor has employed to try to continue to collect on this debt. I filed a police report on XX/XX/XXXX and reported the same information to all 3 credit bureaus in XX/XX/XXXX.
|
| 09/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX UNAWARE OF THE TWO ACCOUNTS. SEEMS FISHY TO ME AND I HAVE NO CLUE WHERE THEY CAME FROM. IF I FIND OUT THAT YOU CREDITORS ARE PURCHASING INFORMATION, PLACING UNVERIFYABLE ACCOUNTS ON MY CREDIT FILE I WILL BE CONTACTING THE FTC, BBB, the county courthouse to file a lawsuit against you creditors asap. You 've broken several laws within THE FCRA. I would like to see the verification process that you the creditor and credit bureau supposedly did. Please remove these accounts before I take legal actions because I know my XXXX rights as an American Citizen.
|
| 06/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
|
Hello looking at my credit report I see XXXX items under my name from a collections agency name CONVERGENT OUTSOURCING but shows original name as XXXX i tried to file a dispute with the collections agency which is not having anything research AND THEY ARE POSTING INACCURATE INFORMATION ON MY CREDIT REPORT FIRST OFF I NEVER RECEIVE A NOTIFICATION LETTER to inform me secondly I've never had a XXXX account ive filed several police reports on this it shows XXXX and XXXX & and yet XXXX still sends my account outsourced which the debt is not owed on my behalf which is a violations to the fdcpa please remove all negative marks off i do not owe this debt this is a violations of the FDCPA
|
| 05/14/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Convergent Outsourcing is continuously reporting the same debt that is not owed by me for their client XXXX I have repeatedly asked the company and the companys they keep hiring to provide me the phone calls and case notes showing that XXXX never provided me with the service they I was falsely sold. 4 years later I have not received this information and now Convergent malpractices reporting the same account and money 3 times in a 2 week span. If you review my credit, I pay my bills and no debts for the past 10 years. They are doing this intentionally trying to use tactics to damage my credit. This should not be allowed to be done and should be considered against credit collections.
|
| 11/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I received a notice by mail from Convergent that I owed XXXX on a bill from XXXX. They said I could discharge the debt by paying them 35 % of my total balance, or XXXX.
Not having any issue with XXXX, I called them to inquire. They told me that we had no debt unpaid with them and that we have been a good client since XX/XX/1995.
I called Convergent 4 times on XX/XX/XXXX to discuss this notice. Each time I was transferred to a random answering machine where I could not understand the message. Each time I called back, I was told I would be transferred to a supervisor or the proper department.
And each time I was transferred to another anonymous answering machine.
|
| 09/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX debt collecting company wrongfully filed a debt from XXXX XXXX XXXX purported to have happened in XX/XX/XXXX ( 15 years ago ) on XX/XX/XXXX. I did not have any XXXX XXXX service but recall complaining about it to XXXX XXXX over 01 year ago.
On XX/XX/XXXX, I called and spoke with XXXX XXXX agent. I ask the agent to remove the credit reported on XXXX for nothing I owe which was purported to have happened 15 years ago. After waiting for about an hour on the phone with the agent, the phone was hang up.
Thank you for your help on this abusive and illegal credit reporting by XXXX XXXX. The company 's address and contact is : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
|
| 08/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
On XXXX XXXX I originally amended my Chapter XXXX Bankruptcy to included the accounts for XXXX located on XXXX XXXX XXXX, XXXX NJ XXXX.
On XXXX XXXX XXXX I remanded the discharge ( Case # XXXX ) to include the same XXXX accounts. My discharge was awarded XXXX/XXXX/XXXX XXXX Bankruptcy Court XXXX Court.
XXXX XXXX has recently purchased this debt from XXXX in XXXX XXXX.
I have sent the orginal schedule dated XXXX XXXX, XXXX, updated amended schedule XXXX XXXX, and discharge to XXXX, Convergent, and bankruptcy courts. As well as disputed this debt, with Convergence on three separate occasions. XXXX XXXX continues to pursue this debt and report it, while further damaging my credit.
|
| 05/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract. The contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services.
|
| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing a debt collection agency has an unknown debt on my credit report. I have written multiple 609 letters and debt validation letters asking them to validate this debt to me by showing the proper proof this is my debt or remove it from my credit report. They have failed to provide any documentation and I have no knowledge of this debt. Nor have I given my personal identification to this company or the creditor they are representing. Also this same debt is being reported on my credit reports twice. Please have this debt removed from my credit reports as per consumer law they have not legally validated this debt and are inaccurately reporting to my credit reports.
|
| 10/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received at least half a dozen letters and phone calls trying to collect on a supposed debt to XXXX. I currently have an account with XXXX but it is in good standing. I called to confirm this with XXXX. The collection company XXXX XXXX XXXX XXXX says it is an older debt from a couple of years ago but I haven't had an account with XXXX since the XXXX 's, which was also in good standing when it was shutdown.
I have repeatedly told Convergent that I do not owe the debt to XXXX, XXXX has confirmed to me that I do not owe them a debt. I've told Convergent this as well. I told them to stop contacting me and they should verify the debt with XXXX and they have refused to do both.
|
| 06/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
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
|
| 05/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing a complaint against Convergent XXXX XXXX XXXX a nd credit bureau XXXX & XXXX . I receive a debt collection letter by mailing regarding a XXXX XXXX account # XXXX . I have no knowledge of this account information under XXXX XXXX . On XXXX / XXXX / XXXX I sent a certified letter asking this agency to verify this debt with documentation and have not received a response from them, However I also disputed with XXXX and XXXX on several occasions and they continue to send credit report back as being verified. This debt collection agency has not responded to my request so how is it that the credit bureau continue to verify this account as my debt.
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is not my account. This is a formal complaint that Convergent Outscoring & XXXX have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. The information must be deleted from my report as soon as possible. I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
|
| 11/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX XXXX
|
| 02/27/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I owe a debt to XXXX XXXX, which I do not dispute. The amount I owe is {$980.00}. XXXX XXXX, XXXX is attempting to collect {$1000.00}. I have asked for proof that I signed something with XXXX that allows them to collect a collection fee and XXXX tell me that the fee must be being charged by Convergent and tell me to contact Convergent. I asked for proof from Convergent that I owe more than {$980.00}, or something that shows that they are allowed to collect a fee, and they have told me that they don't collect a collection fee, the fee is being charged by XXXX. They sent 'verification ' and they include a copy of the bill by XXXX XXXX which clearly shows an amount due of {$980.00}.
|
| 06/21/2015 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
I had an account with XXXX several years back that had been closed and now I get a open report back on my credit that states that 's on have an open account with them again that 's in collections this item was previously deleted off of my report I need help with this matter I 'm trying so hard to rebuild my credit to purchase a house this just made my score drop drasticly. I 'm trying to stay on the right path and do the right thing then this happens why are they reporting something that was charged off and closed once already. Please contact me at either XXXXXXXXXXXX or via phone at XXXX XXXX XXXX thank you for your prompt attention to this matter hope to hear from someone soon.
|
| 04/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I spoke with a representative named XXXX from the Fraud Department of XXXX Credit Bureau, who was very rude, I stated to him the debt has not been validated. However upon reading the response from the company, I never received a packet to the address on file to complete and return. I was also made aware today the debt was verified. If the Company can send it via email to XXXX so that I may fill out the packet for completion stating its FRAUD. Under the FDCPA I do not have an obligation to pay a 3rd party ( Convergent Outsourcing ) who does not own the debt originally. If the company can send me the documents with a WET signatures that I made a agreement to pay the alleged debt.
|
| 08/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company charging me a debit that is not mines and it's showing up in my credit report i have no knowledge of this account this is not mines where it says customer name that is not my name customer signature that is not my signature i dispute it with experian results came back accurate still no contract with convergent outsourcing i asked for a sign contract with my name instead i received a bill for XXXX nothing else date XX/XX/XXXX that is not a validation it was removed from my credit report XX/XX/XXXX and then again it was reported again with a different collection agency which is convergent outsourcing my son 's and mines document was stolen in north Carolina in XX/XX/XXXX
|
| 03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I checked my credit profile through XXXX and convergent outsourcing collection agency has added a derogatory mark on my credit report. Upon further research, it appears that this account was transferred or sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, I have not received no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and state that the debt is mine. According to the FCRA, Covergent Outsourcing has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
|
| 08/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
This company is Convergent Who collects third party debts, they repeatedly calls my husbands phone, which is a work phone number. I called them back on my private line, said they were asking for my son. I know he's owed a XXXX bill, but he is XXXX and is unable to work, at the moment. I demand PER the FDCA, that the phone calls be stopped INSTANTANEOUSLY!!! they don't leave a message when they call either. This number is my husband 's BUSINESS PHONE NUMBER. So LEGALLY you do NOT have the right to contact my husband 's job, for my son 's bill!!! You will be getting a cease & disest letter in the mail, if you keep contacting that business line. I will sue you for harassment.
.
|
| 05/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Upon examination of my credit report I found an item listed to XXXX XXXX i n the amount of {$520.00}. I disagree with the item and so sent a letter via certified mail on XX/XX/XXXX requesting validation of the debt bearing my signature. Thirty-three days later they responded by sta ting that the debt is valid but still failed to provide via ble evidence bearing my signature to validate the debt ( they instead attached a copy of a bill, which does not prove that the debt was mine ). Their failure to provide this information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not be validated.
|
| 07/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called Convergent Outsourcing numerous times about a collection account that they have placed on my file. Originally, the account was removed because they couldn't verify it but now it is back. It is for a Utility Bill in Florida. I have never resided in Florida, furthermore when I spoke to someone at XXXX XXXX I was advised that the account was opened but they never got a copy of my ID. This is defamation of character and using scare tactics to attempt to force me to pay a debt I do not own. I even supplied them with notarized information stating that the debt does not belong to me but they continue to report it on my credit report.
Account number listed on report : XXXX
|
| 12/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX 2017 I filed disputes with XXXX and XXXX.
Convergent verified the alleged account with both credit reporting agencies and ignored my written letter of dispute.
I presently have XXXX and have had service with them for over 2 years now. my account is current. I do not owe any past due balance .nor have I had a prior account with them. I have no idea what the alleged charges are for. contacted XXXX and no records reflect any such account associated with me. thus convergent is reporting false unverifable information that must be immediately removed. I am incurring damages and will pursue legal action if this agency refuses to remove this inaccurate data in it 's entirety..
|
| 05/03/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I received a letter in the mail from Convergent Outsourcing Inc stating I owed " XXXX XXXX XXXX XXXX XXXX money from a XXXX XXXX account that is not even mine. They stated the amount that I owed was {$1100.00}, however when I called XXXX XXXX on this with the account they stated the amount owed was {$850.00} and it was opened in XXXX . It was then sold to a debt collector in XXXX . Which makes this debt illegal to even collect on according to the fair credit reporting act. They are doing illegal practices trying to collect debt that is not even mine and violating the fair credit reporting act by trying to collect old debt. Regards, XXXX
|
| 02/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Convergent Outsourcing, Inc. contacted me via mail, in reference to a XXXX account that was already Paid and settled back in XXXX of 2015 With XXXX. ( Copies attached ) In the point of me addressing this, I faxed them a copy of the receipt FROM XXXX. I followed up days later to confirm that Convergent had received the faxed information. and they would n't confirm. Overall, this is an unfair practice, buying and reselling debt acct, that is being dealt out by companies and corporations that negatively affect consumers and in turn can/will possibly end up on one 's credit report as well as a possible judgment against persons. and on and on. Is n't this fraudulent on some level?
|
| 06/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I HAVE NO KNOWLEDGE OF THIS ACCOUNT I DID NOT AUTHORIZE ANY OF THESE TRANSACTIONS XXXX Credit Report As of : Today XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXXXXXX Collection XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX.
XX/XX/XXXX {$1100.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1100.00} {$1100.00} 1 Month Individual Comments : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX payment
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022 I contacted this company about this debt they have placed on my credit upon reaching out to them I clearly stated to them that this is not my debt of {$210.00} that been placed on my credit. The company said they purchased this account from XXXX XXXX for a bill I owed I ask for the proof of this bill they just stated I needed to pay the bill. I have contacted this company again who than stated their was cable on in my name that was at a address I did not resign at I provided them proof and they still refused to remove this off my credit I have disputed this and just keep receiving the same letter that states they did Investigation and will not remove this debt.
|
| 08/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
For months I have been receiving constant harassment calls from Convergent Outsoursing Inc. After months of missed calls, I changed my phone number because this is the number I use for work. Convergent Outsoursing Inc somehow found out about the new work number and continued the harassment, the constant calls at inconvenient times, they reported the alleged debt as collections to the credit reporting agencies to coerce me into payment, I sent them a Cease and Desist on XX/XX/2021 and they received it on XX/XX/2021, since then they still report this alleged debt/collection.
I have requested them to stop collection attempts and they still abuse and violate my consumer rights.
|
| 11/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I sent a written request to XXXX XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector.
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX Opened XX/XX/2016 {$310.00} Original creditor : XXXX XXXX After XXXX XXXX did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX and XXXX removed the info from my XXXX permanently. XXXX removed the info then added it back to my XXXX after a couple months.
|
| 08/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I notice this company XXXX XXXX place a collection on my credit report but it 's already place on my report from another company I received nothing from this company stating they will be placing anything or attempting to collect any debt from me. I search for their licenses to collect debt in the state of Florida and I could not find anything from them or their parent company on the states website.. I contacted the bbb and they responded that they will remove the item from my credit report and they have yet to do so.. I have read a lot of complaints on this company and some have stated that they are a fraudulent company and they way they conduct business is not of standards.
|
| 01/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
When we got the telephone service through XXXX XXXXXXXX we were told we had service where we lived. Phones only worked on certain roads did not work at house. Was told that a tower was going up after complaints so we would keep. No tower was installed and still phones not working. Was told to bring phones back which we did and the person that took phones told us that we should have never been told that the service would be ok. I was told that the balance would be taken off since we were told a lie regarding service and connection. I have not spoken to anyone since XXXX when phones returned and told would take care of balance. Now they are saying updated XXXX which is wrong.
|
| 08/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a numerous amount of inaccuracies on my credit report as a result of me being a identity theft victim.
XXXX XXXX account opened XX/XX/XXXX for a total amount of {$890.00}. This account is derogatory on my report. XXXX XXXX XXXX opened XX/XX/XXXX which is delinquent and a total of {$470.00}. Convergent Outsourcing which is derogatory in collection. Opened XX/XX/XXXX with a total of {$750.00}. There is also a numerous amount of inaccurate inquiries on my report due to identity theft for car loans and credit card companies. My XXXX report also stated that my personal information was found on the dark web. Due to identity theft my credit score dropped over 100 points.
|
| 04/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I've made several attempts at contacting Convergent Outsourcing requesting information regarding this account. My last attempt was XX/XX/2021 where I spoke with an agent and a supervisor. They kept making debt collection attempts and settlement offers. I called to request a breakdown of charges because the amount they are attempt to collect is not what I owe. As I've stated, I've gotten no information. I disputed several times with the credit bureau as well. They will respond to them and continue to adversely affect my credit. All communication regarding this has been initiated by me. These people are very unprofessional and have made no real attempt to resolve this matter.
|
| 08/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2020, Convergent Outsourcing Inc ( COI ) added an account of {$770.00} to my XXXX and XXXX reports from the original creditor XXXX. This is an old account that has been disputed, deleted, and now reinserted back onto my reports this year. Based on FCRA, its unlawful for them to add old accounts back without any notification within 5 days and i received no notification. I have disputed this account again with the creditor and the credit reporting agencies to validate this information and no response have been provided. Due to that fact, this negative information can not be reported back onto my reports and need to be removed based on reinsertion rules in the FCRA.
|
| 06/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I couldnt find a category that bests fits the situation, I have included details : The same debt is reporting on my credit report twice.
There are two entries as detailed below.
the original creditor is XXXX in the amount of {$300.00}.
XXXX sold the debt to Convergent Outsourcing to collect.
I did take a ding for this on my credit.
Additionally, XXXX XXXX is now reporting on the same debt, which I took a second hit for on my credit.
I did speak with both to ensure this is the same debt from the XXXX.
It is my understanding that a debt collector must delete their reported collection if their collection authority has been terminated with the debt remaining unpaid.
|
| 04/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
The debt in question was paid on XX/XX/XXXX as seen on my bank statement, and the paid in full letter from XXXX.
On XX/XX/XXXX i received a new letter from Convergent, claiming i still owe for same account at XXXX XXXXXXXX.
I called XXXX XXXX twice to confirm account is closed and no bill is due. confirmed on second call with XXXX. I was also told that XXXX XXXX did not send/report a new collections to Convergent.
Called Convergent to clarify situation, was told that Convergent just received the collections from XXXXXXXX XXXX on XX/XX/XXXX, then send me the notice on XX/XX/XXXX Convergent was no help in trying to clarify situation just kept stating that i owed the money.
|
| 02/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
An account was opened for XXXX XXXX in XXXX of 2016. Immediately after a better deal was obtained from XXXX. XXXX equipment was returned to them and the account closed within two weeks, well within their 30 day no risk guarantee. XXXX has attempted to claim two invoices in the amount of {$200.00} for XXXX and XXXX of 2016 despite their equipment ( set boxes and routers ) being returned and the account closed in the same month, XXXX of 2016. Despite repeated requests for a contractual agreement with a start and end date to validate their claim for this money, they only provide invoices as their validation, which does contractually prove any agreement between myself and XXXX.
|
| 12/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
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.
|
| 03/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. I disputed this matter to this company on XXXX.XXXX.18, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX Ref # XXXX
|
| 12/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Convergent never contacted me about any debt that was due. They filed negative reports with XXXX, XXXX and XXXX which negatively impacted my credit. I dispute the posting with XXXX, XXXX and XXXX. All three deleted the fraudulent posting. However, as soon as the three credit agencies resolved this, Convergent sent a demand letter claiming an amount owed to " XXXX ''. I have reached out to XXXX and they confirm that no amount is due and no amount has been due. The action that Convergent is taking is fraudulent and I fear will impact my credit. Kindly take the appropriate action against Convergent. This complaint is in reference to convergent account XXXX.
Thank you.
XXXX
|
| 06/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I had this removed from my credit report just about two years due to them not being able to provide any sort of proof of the debt within the 30 day time frame and the collection agency recently switched the name of their company from XXXX to Convergent and now they are threatening to damage my credit if I dont pay the amount listed above even though the debt is way past the statue of limitations. Please investigate this matter
|
| 10/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I paid XXXX XXXX acct # XXXX in settlement XXXX. I never receive any letters from Convergent about this debt. They collected funds for XXXX open XXXX. The last time I knew about this account when XXXX XXXX were handling this account inXX/XX/XXXX it were deleted from my credit file. They sent the account to XXXX XXXX, XXXX XX/XX/XXXX they decided to delete when XXXX told them to delete. This is the last time I saw this account on my credit file. When got notice from the credit bureaus about XXXX XXXX placing this account on my credit file. I took 5 years for this account to reappear on my credit file. Since I paid this account I want it deleted from all 3 credit bureaus.
|
| 05/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
ON XX/XX/2018 I MADE A PAYMENT TO XXXX XXXX XXXX FOR {$430.00}. THE CONSUMER WAS SETTLED IN FULL AND IN RETURN WAS SUPPOSE TO BE REMOVED OFF MY CREDIT REPORT WITHIN 45 DAYS. IT HAS NOW BEEN ABOUT 2 MONTHS AND INSTEAD THEY JUST UPDATED MY REPORT SHOWING THAT THE ACCOUNT IS NOW CLOSED. I HAVE TRIED TWICE DISPUTING IT WITH THE CREDIT BUREAUS BUT NOTHING HAS CHANGED. THE ACCOUNT IS STILL ON MY CREDIT REPORT SHOWING CLOSED. I TRIED CONTACTING THE COMPANY AND BEEN GETTING NOTHING BUT LIES. THEY TOOK MY PAYMENT KNOWING THEY WERE NOT GOING TO REMOVE THE ACCOUNT OFF MY CREDIT REPORT. THIS HAS NOW BECOME OVERLY FRUSTRATING, WHICH I AM TRYING TO REBUILD MY CREDIT TO PURCHASE A HOME.
|
| 01/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX continues to report an alleged debt of {$410.00} on my credit report under account number XXXX that the credit bureaus have removed three times now. This collection agency, nor the original creditor, have stated they have no records of me ever having an account with this company, XXXX XXXX, listed as the original creditor. It is also passed the Statute of Limitations, nor has it ever been properly validated. Yet this collection agency XXXX XXXX and continues to re-report this debt after each time it is removed by the credit bureaus. This shows willful noncompliance and it is in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act.
|
| 06/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Convergent Outsourcing put a non payment note on my credit file and tanked my credit score by 150 points. The original debt resulted from fraudulent use of my credit history to obtain a XXXX account. The amount owed as {XXXX}. This was already communicated to XXXX. It is for an apartment in low income housing in XXXX. I live in Texas. My XXXX account is current and has always been, as are all my accounts are. I contacted Convergent Outsourcing to remove the note and they completely refused. This is abusive, wrong and unfair. They need to be prosecuted for this abusive practice. There is no way a company should be able to do this with no attempt to find the real thieves.
|
| 02/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
Hello Please review my attachments.
I received this documentation on the mail. Ive been living at this address for 4 years and never received any type of collection debts. Why? Because I have no outstanding debts or no late payments ( Credit scores XXXX plus score on all 3 bureaus.. ) on my credit reports. Again see my attachments.
My credit history and financial worthiness in 2020 speaks volumes. In the past in my military years while married I did have debt dues, while trying to survive with no handouts and based on hard work dedication and focus. A no excuses mentality. Review my attachments and then let me know please.
Retired XXXX XXXX Long Time Viable Citizen
|
| 03/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Convergent Outsourcing , Inc. is trying to collect a debt they say I owed XXXX XXXXXXXX XXXX on XX/XX/2002. They claim I had an account with them. I never had any account with XXXXXXXX XXXX XXXXXXXX, nor have I ever heard of them. Furthermore, that is 20 years ago! I responded telling them the above information. They did not provide any verification, but instead are asking for personal information that they want notarized and are asking for a photo ID. I responded telling them that I do not owe any debt and am not going to send any personal information to them. I also informed them that they are attempting to collect a debt that is XXXX years old and is statute barred.
|
| 11/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In 2018 I received a debt letter from Convergent Outsourcing. The creditor was XXXX and the client account # XXXX. I called XXXX and asked them to find more information about this debt because I've never had an account with them. They told me that I needed to give them my social to find my information. I was not okay with that because I know they don't have this information on file because I never had an account with them. I gave them the client Account # above.
They send me monthly letters telling them they will take payments. I need them to stop. They are not reporting to any credit agency, but I do not owe them this debt and want them to stop mailing me that I do.
|
| 03/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed a debt on my credit file for a XXXX XXXX XXXX, and listed with this collections agency CONVERGENT OUTSOURCING , INC . I have never had any services with XXXX XXXX, I work for XXXX XXXX XXXX and I get FREE XXXX and Cellular service so I have no need to pay for either of the services they discussed. I attempted to ask for verification and they never sent me any proof of this debt. After some digging I see they are licensed in the State of New York only the City of XXXX XXXX and I do not even live in the City of XXXX XXXX. I want them to remove this erroneous collection from my credit history it looks like they added this on XX/XX/2019 to all 3 credit agencies.
|
| 07/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was contacted by Convergys debt collection stating I allegedly owed a debt to them and was asked to pay {$3200.00}. I told them I had never heard of them or never had any business with them. They explained they were collecting a debt for XXXX and they needed me to pay it. I contacted XXXX and I was informed they didnt have any of my information that the file had been sent to convergys in Texas. I have sent police report to XXXX in XX/XX/2020. I have repeatedly asked XXXX/Convergys through mail to validate what it is they are referencing. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
|
| 11/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I cancelled a phone service I had gotten for the business ( I paid cash for the cell phones ) the services were never used and the account was cancelled within 15 days and never used. I called to verify with XXXX and they said it was all true and not to worry as the accounts were cancelled and never used. Then I got a bill from convergent and called them they were not reachable, the bill states to pay {$190.00} and the whole thing is over instead of an amount am not sure how they came up with {$240.00}. I didnt have much time to deal with this so I sent a check, now I look at my credit report there is both a collection and a settlement for a service I never received.
|
| 10/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CONVERGENT OUTSOURCING, INC. has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 02/12/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Our experience with XXXX XXXX is very negative.Aside of sending wrongful amount on the bills, it is destring physically our community. Last week XXXX subcontractor had blown up 3 buildings in XXXX XXXX, it shows the profile of the company I am complaining about.
In XX/XX/XXXX after speaking to customer service rep. I was told we owe nothing, 2 year contract finished in XX/XX/XXXX, my phone is paid off. After long fuss, going to their store, not receiving credits for wrongful charges we and our daughter are on collection for XXXX Collection Agency is Convergent, client # is XXXX, spoke to XXXX XXXX Please help to bring this company to behave fair, and with intergrity
|
| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
OnXX/XX/XXXX and on XX/XX/XXXX I have personally mailed in 2 certified letter to XXXXXXXX XXXX.original creditor XXXX. The debt they have claimed I owe is $ XXXX.I have never signed any contract with XXXX. In my two letters to XXXX XXXX, I have requested that they validate the information and provide me with copies of any documentation associated with this account bearing my SIGNATURE! Which XXXX XXXX have not provided. I have requested that they remove the negative information off my account, which they have not done. XXXX XXXX has sent me a letter validating that I owe the debt, but the documents still does not have my signature, which I originally requested for.
|
| 01/16/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I close account XXXX. They was over charging for just two lines. Time went by. And beyond my abbilities to pay for bill of balance that I left behind. I received a letter from collection agency for that bill. I started making paymenta n on my second to last payment. They said XXXX gave them another bill that Was generated. My response was. That. Can not be true n how can I get two seperate bills for that one account. All of a sudden it was put on my credit report. So i tried to dispute but they supplied them with a bill with extra charges on supply n adjustment on extra charges 5 here n there n extra stuff I have no clue of.. I paid almos 500. That I was said I owed.
|
| 02/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
In 2013 I spoke with a colection agency regarding a {$150.00} amount debt that was owed to XXXX. I scheduled a payment and it was processed and paid that same month. Now, 4 years later I am receiving calls regarding this same debt. We informed the agency twice on the phone that we have already paid the debt in question. We have now received a letter informing us that a lack of information renders them unable to complete the investigation of the issue and that we need to provide them with proof of our pervious payment. I do not believe the burden is on us to provide this information and have asked several times for them to cease communication regarding this paid debt.
|
| 11/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Received a telephone call from Convergent Outsourcing, allegedly from a " XXXX '' area code number, at XXXX XXXX on XXXX XX/XX/2019 asking for a person I don't know, has never lived with me, and to my knowledge has never had the telephone number I've had for years now. It's obvious to me they do XXXX diligence to ensure they're calling the right person - which is easy to do on a computer connected to the Internet in about 5 minutes. They don't care who they call and harass, including the innocent who have no debt. This is unconscionable and despicable. Until they feel the financial pain of engaging in such reprehensible and nefarious behavior, they will not cease.
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I am filing this complaint as I can not have a debt on my credit report taken out of dispute. I have a collection from Convergent Outsourcing ( XXXX ) who is reporting to XXXX and XXXX as in Dispute. I have called Convergent Outsourcing who has told me that it can not be taken OUT OF DISPUTE until its paid. I have called XXXX and XXXX multiple times to have it removed from dispute. They keep telling me it will be removed in 72 hours only to have my mortgage loan officer pull a new report to show its still in dispute.
I am not able to move forward with purchasing a home until my account is taken out of dispute. Please help me with this matter.
Thank you, XXXX
|
| 04/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a collection that recently appeared on my XXXX report that i did not recognized. It was reported on XX/XX/2021 to XXXX, on XXXX it does not have a date.
I called XXXX XXXX XXXX XXXX which is the phone number on the collection on XXXX and XXXX and they asked me for my social security number, however the last name they have according to them is XXXX XXXX. I explained to them that this should be fraud because that is not my last name, has never been my last name and I did not recognize that balance or account. I told them that I needed that removed from my credit bureaus ASAP since that did not belong to me but they said I should then contact credit bureaus
|
| 07/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I had to claim bankruptcy and w as discharged back in XX/XX/XXXX . Af ter that we moved from XXXX to XXXX . XXXX utility company was included in this BK. This past month I get a collection on my credit report with XXXX XXXX for {$560.00} with original creditor being XXXX and opened XX/XX/XXXX . We have not lived in XXXX ( wh ere XXXX is provided ) sin ce XX/XX/XXXX a nd they were included in the Chapter XXXX bankruptcy. Their only contact was this collection put on our credit report. It states their information is XXXX XXXX XXXX XXXX WA XXXX . I ca n't even do a certified letter to them as they only have a XXXX XXXX .
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 03/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX is attempting to collect on a debt that they are aware is over 10 years old. I've notified them that the debt is old and it should be removed from my credit report. They told me " they don't report to the credit bureaus '', which as I understand is a very old tactic. I asked for proof of the debt, which they sent, and confirmed that it was old and should not be reported on my credit. I again requested that they remove the debt from my credit report. They have not complied and are telling me that the debt is still valid when they were never holders of the debt and the utility company is no longer collecting on the debt, as it has aged out of their system.
|
| 06/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 02/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 08/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 12/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
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
|
| 08/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE.
I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS.
I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.
|
| 02/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CONVERGENT OUTSOURCING ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 08/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CONVERGENT OUTSOURCING ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 02/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I got a demand letter from XXXX XXXX XXXX. dated XX/XX/2018 indicating that the account records of a second debt collection company, XXXX XXXX XXXX XXXX XXXX show that I have an outstanding balance of {$970.00} owed to XXXX XXXX. Convergent 's letter offers to allow me to settle this fictional debt for 25 % or {$240.00}. I have no knowledge of XXXX, XXXX XXXX or Convergent nor have I ever been contacted by any of them to include substantiation of such debt. Just a nebulous demand letter for a non-existent debt from a state that I have never lived in. I believe this to be a scam and an attempt to scare Senior Citizens into settling false debts for a reduced cost.
|
| 12/27/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
When I checked my Credit reports I noticed " XXXX XXXX '' collection agency was trying to collect money from me.
I asked them to validate any contract I had with XXXX XXXX and all they do is send me something from another entity, I have, had no contracts with XXXX XXXX ever, past or present, why would I give them anything?
The contract I may or may not of had with the entity they are showing me has nothing to do with my obligation to another INC. LLC or other corporation such as " XXXX XXXX '' in this fraudulent attempt to collect a debt, without validation from their specific company, Convergent.
I want XXXX XXXX to remove me entirety from my credit reports.
|
| 10/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX reported an account from XXXX XXXX on my credit reports that were not mine. I contacted XXXX XXXX on this matter and sent them my drivers license, State ID and Birth Certificate. I asked them to provide any proof that this was my debt. This account was also created prior to my XXXX birthday so I do not understand how this was even established. I contacted XXXX XXXX a few months ago when this first popped up on my credit report and it was removed after I sent in all my identification. Now it reapperaed and is hurting my credit. I also did not receive anything in writing that this was even a debt. the only way I found out was when I ran my credit report.
|
| 08/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently received a copy of my credit report and I noticed that this company is reporting not one but TWO negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validatio for both debts. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
|
| 09/25/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with XXXX after viewing my credit report and they closed the case and it stated it would be removed in XXXX. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am XXXX years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with XXXX after being denied again for housing and it has not been removed like it stated on my credit report. I need help!
|
| 08/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
XXXX Closed my account and I tried to resolve issue its been more than 7 years .Sprint has NON ETHICAL business practices.
XXXX XXXX Last reported : XX/XX/XXXX {$300.00} Needs Attention Overview You've paid off 0 % of your collection amount.
Balance {$300.00} Highest Balance {$300.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error?
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete.
CHECK DISPUTE STATUS Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
|
| 06/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
A collection agency put information on my credit report for a bill that I had for a XXXX cell phone XX/XX/XXXX. This was included in my bankruptcy back that I filed XX/XX/XXXX and it clearly lists XXXX and another collection agency that was trying to collect the debt at the time. This has brought my credit score down by XXXX points for old information. I have attached all of the information that is needed for review but if anything else is needed pleae let me know as I am in the process of trying to rebuild my credit. I am also considering taking the collection agency to small claims court as researching this was time consuming and cause credit to be declined.
|
| 05/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 04/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing, Inc is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX or 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.Convergent Outsourcing, Inc are in : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022 I talk to this company about a account that I did not consent to and I wanted the company to delete my information under the California Privacy Act I was denied my rights I also was denied the information I was asking for pertaining to the account number is # XXXX which was created from XXXX cell phone company and they sent it collections a company called Convergent. I talked with a supervisor by the name of XXXX XXXX from Convergent and she told me that they do not have to send me the documents Im asking for which would be billing statements phone usages and a sign agreement and for information to be removed I was denied this from the company.
|
| 09/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
IN A COMPLAINT REGISTERED WITH CFPB ON XXXX CASE # XXXX REGARDING XXXX COMMUNICATIONS AND CONVERGENT OUTSOURCING, INC, I STATED THAT THIS DEBT WAS NOT OWED ON MY BEHALF 9SEE ATTACHED LETTER ) AND DISPUTED THE DEBT AND I THOUGHT IT WAS ILLEGAL FOR THE 2 COMPANIES TO TRY AND COLLECT THE SAME DEBT.
ON XX/XX/2022 COVERVERGENT OUTSOURCING STATED IN A RESPONSE TO THE CFPB CLAIM NUMBER XXXX ( ATTACHED ) THAT THEY NO LONGER WERE ATTEMPTING TO COLLECT THE DEBT.
I RECEIVED ANOTHER LETTER FROM CONVERGENT OUTSOURCING ON XX/XX/2022 ( ATTACHED ) THAT THEY ARE ONCE AGAIN ATTEMPTING TO COLLECT THIS DEBT THAT IS NOT OWED.
ARE THERE LAWS AGAINST THIS TYPE OF HARASSMENT?
|
| 02/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I requested documents for verification from Convergent Outsourcing ( a third party debt collector ) to validify an alleged debt. I received documents from Convergent Outsourcing and the very first document stated that I did owe the debt. According 15 USC 1692b ( 2 ), that is a violation of the FCRA. I also notice on one of the documents that I later received that the alleged debt is associated with an address that I have never lived at. I have currently sent a dispute to the third part debt collection agency via certified mail and I'm currently waiting on a response. The documents ( Affidavit of Truth and invoice ) were received by the company on XX/XX/2021.
|
| 01/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Convergent Outstanding Inc. saying I owe {$5500.00} to XXXX XXXX. I first heard this a year ago on one of my credit reports, I fought it and it was removed, I do not know about the other credit reports as I do not use credit often.
I have NEVER used XXXX for anything, this is not my debt.
When I called XXXX they told me the bill came from XXXX XXXX, a company that does not even operate in my state, but they refused to send me any letters as proof of where this debt came from. When they never replied, I assumed this was over with.
But now I have this debt company trying to sue me for money I never owed.
How do I make this go away?
|
| 09/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 03/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Convergent Outsourcing XXXX XXXX. : XXXX XXXX XXXX Account No. : XXXX ( Please see attachment for account in question ) Submitting Claim for violation of : US CODE 15 U.S.C. 1692e - False or Misleading Representations A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation.
I have reason to believe Convergent Outsourcing and XXXX XXXX are in violation of FDCPA guidelines by utilizing my information to collect a debt that is not owed by me. Please remove my account from your files and stop reporting this negative information to the credit agencies or I will be forced to sue for {$1000.00} in punitive damages.
|
| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My ex husband opened and charged a phone plan through XXXX in my name-this was around XX/XX/XXXX. I was not notified, or didnt receive notification that this account was charged off until after divorcing him, around XX/XX/XXXX. I had disputed this with XXXX and cited the above statement, but didnt hear anything further regarding the matter, negative or positive.
2 weeks ago, I opened a new credit line. As a result, I received a letter from a 3rd party ( Convergent ) today stating that the debt still hasnt been paid but theyd settle for {$1000.00} This debt is 8+ years old and shouldve been removed already, much less the debt was created illegally anyway.
|
| 02/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Convergent Outsourcing sent me a letter stating I owe for a XXXX account without any dates or information that helps identify the debt. I has a so-called Original Account number on it, but when I called XXXX they had no idea what the account number Convergent provided goes with. I have not been getting any letters from XXXX nor have I had an account with them for about seven years. I had some issues with them at one point but I paid that account off in full and any outstanding checks from it as well. This is not a valid debt and I believe Convergent is in the habit of " farming '' old debt records in the hopes of fooling people and getting money from them.
|
| 09/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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About a month ago, early XXXX XXXX, XXXX XXXX started reporting to the credit bureaus that I owed {$51000.00}. I immediately contacted them, could not get a human on the phone, and never did receive proof that I owe them money.
They have never contacted me personally -- ever.
I ended up contacting the Credit Bureaus. They were able to see it was for a student loan from XXXX. I graduated school in XXXX. We placed a identity theft alert on my accounts. I 've had all the company start researching this account.
Since then, every week the company raises the amount I owe by $ XXXX {$30.00}. It 's very arbitrary. I still can not get a person on the phone.
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| 02/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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On XXXX XXXX, 2017 I received a call at XXXX PM from XXXX XXXX, from Convergent Outsourcing XXXX XXXX on behalf of XXXX. She asked me to verify my name and address, which I refused to do, and the caller ended the call. I have since been waiting to receive the letter that is required to be sent after contact in an attempt to collect a debt. No such letter has come to my home. Today I received an alert from my XXXX XXXX that a new account is reporting as a collection from Convergent.
Convergent has deprived me of my chance to dispute this debt or request validation, by not sending me the required letter within 5 days of contacting me regarding this debt.
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| 05/14/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/2020 I reached out to XXXX in regards to a collection account reporting a {$0.00} balance, on a {$0.00} loan amount. All they stated was the account was verified.
This account has not budged to be removed from my report, with XXXX being the original creditor.
I reached out to XXXX, and they stated they couldn't help me because if there's an account reporting with Convergent Outsourcing, that means Convergent now owns the account.
My issue with all of this is, WHAT ACCOUNT?! I've never been a XXXX customer. I asked XXXX for the information given to them to open the account, they stated Convergent would have to be the one to provide it to me.
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| 07/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and XXXX XXXX is reporting to report I owe XXXX to XXXX I have disputed and they removed account now XXXX is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified.
certified mail track number-XXXX XXXX XXXX XXXX XXXX as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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OnXX/XX/XXXX I called XXXX XXXX about a collection that was placed on my report in the amount of XXXX. I tried explaining to a representative then a supervisor that this same collection was removed from my report by XXXX XXXX on XX/XX/XXXX. The account does not belong to me and the original creditor ( XXXX ) previously has stated that they did not assign a collection with my info to a collection agency. This company has placed a bogus collection on my report that they do not own and when I asked for validation I got the run around. This company is also very shaky and unprofessional. I was on hold for 2 hours, hung up on etc just to get an account number
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| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have been going back and forth for a few years with this collection agency who has been unable to validate the cause for said charges being collected on behalf of XXXX. I have disputed the collection with the credit bureaus more than XXXX with them being deleted due to no verification. I have made it very clear that the charges are not a valid amount and based on the current FTC cramming case, there is obvious proof that the collection balance is invalid. I have been validated as a customer involved in excessive cramming charged being added to my bill on multiple XXXX accounts. At this point, I would like COI to figure this XXXX out with their client.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I have two companies making sure this affects my credit on bad faith 1/ XXXX. I dont owe anything to XXXX reason I k ow is because Im with XXXX and theres no pending bal. I dont owe them anything like they said on the report that I do 2/ the other is with some credit bearue for XXXX XXXX. They are charging me for a bill I assume its a medical bill I have had insurance the whole time I should have not been charged I have tried to dispute that and havent received any response since the year they marked me for collections til today 2023.
I want to demand that thoes get deleted off my credit since its nothing to do with me owning them anything.
XXXX XXXX
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| 10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Hello, I reached to Convergent Outsourcing in regard to an account they placed on my credit. I sent them a certified notice. According to my credit they allege the account was formerly with XXXX XXXX. They is no such company in my area only XXXX, XXXX XXXX or XXXX XXXX XXXX. The account is fraud!!!
They removed the account and added it back on my credit 2 weeks later using a different account number and they changed the dates etc. This is a violation of the fcra and the fdcpa. I have filed a complaint with y attorney general office and the ftc.
original account number XXXX XXXX XXXX {$1300.00} new account number XXXX cox communication {$1300.00}
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| 08/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I received a debt from Convergent Outsourcing in XXXX WA XXXX from a XXXX. I called the collection agency to report this as fraud and the CSR starting asking for my Social security number. I told her I want to report this as fraud because I have not had a XXXX. Can I please report this as fraud and she continue to ask me if I know someone or allowed someone to use my information, NO Why would I do that! I continued to inform her I would like to report this as fraud and she hung on me. I would like to report this company along with XXXX for fraud. I do not owe XXXX and I do not owe Convergent. I feel harassed by both companies. Can you please fix this?
|
| 10/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My wife and I are repeatedly receiving calls from a debt collection firm in regards to a cell phone debt that we do not owe. They refuse to provide any details about the debt and request us to call back at another number that never gets answered. This company refuses to send us any details via the mail to verify any debt. We have contacted our cellular provider and they have no knowledge of this debt or the company that is calling.
The phone number we are receiving the calls from is XXXX and from what we can find via the internet is called XXXX. We have received 6 calls from this company in the past 8 days and an untold number over the past 6 months.
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a letter from XXXX XXXX, dated XXXX/XXXX/XXXX. It was a settlement offer stating I had a balance of XXXX due. However, they would accept 45 %, or {$230.00}.
The letter advised I had 60 days to accept the offer.
On XXXX XXXX, XXXX, I received notice from the credit bureaus that the collection account had been added to my credit report.
On XXXX XXXX, XXXX at XXXX, I called Convergent Outsourcing and spoke to a gentleman named XXXX XXXX XXXX I explained the situation, asked him to removed the collection account from my credit reports as the settlement letter has not expired and he refused, asking me to state which law says he must do so.
|
| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
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I recently received a fraudulent collection letter from a " legitimate '' collection agency, Convergent Outsourcing, that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams, stealing people 's money using fake claims, stealing identities, and effecting people 's credit ratings. They are running a fraudulent scam and trying to extort money which is not owed by threatening to negatively impact my credit.
|
| 11/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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On XX/XX/2022, at XXXX I received a call from convergent outsourcing. I spoke with a gentleman named XXXX at the time. Upon the phone call I wanted to inform him and his supervisor that it is illegal to contact a consumer without my reaching out first according to 15 USC 1692c. I waited to speak to a supervisor and after being on hold for awhile I was told by XXXX that I would receive a call back by XXXX. I never received a call back to address the issue. I called once more on XX/XX/2022, I was able to finally speak with a supervisor named XXXX but with phone issues, I was unable to hear her or vice versa. I called back and was unable to get through.
|
| 10/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a collection letter from XXXX XXXX XXXX XXXX on XX/XX/2021. This letter was dated XX/XX/2021. It claims it is an amount owed to XXXX XXXX XXXX XXXX which I never received a bill for this amount. I closed my account with XXXXe on XX/XX/2021, and never received a final bill from them. The first bill I am receiving is this collection letter, which has no detail as to what the charges are for. Upon attempting to contact XXXX, I was told that I no longer have access to information on my account, due to it being closed. I do not believe this collection notice is justified nor legitimate, as XXXX has made no attempt to inform me of these charges.
|
| 04/16/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
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I was contacted by this company about a private student loan by XXXX XXXX. I expressed to the rep this loan is since XXXX, was discharged in bankruptcy. The rep was rude try to explain private student loans are not dischargeable I explained to her it was they had opportunity to dispute debt.
She told me to talk to my attorney and he would explain it is not dischargeable. I explained to her private loans were dischargeable in XXXX when I filed and they had till XX/XX/XXXX to dispute.
I told her I would be filing a complaint she was rude, dismissive and attempted to get my cell and mailing address. Did not request copies of filing or the discharge.
|
| 06/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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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.
|
| 12/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years.Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have 18 to 20 inquiries on my credit report. PLEASE HELP ME!!!
|
| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavourable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to The Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. Here is the account : CONVERGENT OUTSOURCI XXXX
|
| 06/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I've sent a validation letter back on XX/XX/XXXX. I've received nothing but a snap shot of an account. I asked for the following below so I'm submitting another complaint.
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for.
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
|
| 09/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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A billing error between my ex husband ( divorced for XXXX years ) and XXXX cable resulted in a bill of {$1000.00}. Somehow this was in my name for services in his residence. I do not have a XXXX account..My ex husband claims he resolved this error with XXXX long ago but now, not only am I getting billed from a collection agency ( Convergent ) but now it showed upon my credit report. During a 3 way conversation on the phone with Convergent, my ex stated to them I had nothing to do with this account, but they said there is nothing they can do. I called XXXX and they won't deal with me since the account went to collections. I'm hoping you can help me.
|
| 09/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Since XX/XX/2020 this fraudulent charge has been on my credit report. It is from XXXX, now with Convergent Outsourcing. I have never had XXXX as a carrier. Someone opened this account fraudulently. There has never been a payment made. I have made several attempts, 6 attempts total, to dispute this. 5 attempts, via credit reporting dispute resolution and 1 by letter. I have had to lock my credit.
They keep ignoring my attempts to clear this from my credit. I do not feel comfortable calling them. I have sent them a detailed letter with my info asking them to get this off my credit. No response to any of my attempts.
Total amount due is {$500.00}
|
| 12/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently viewed my credit and noticed a collection agency, ( Convergent Outsourcing, Inc. ) from XXXX for {$1500.00}. I contacted XXXX and they have no information on me after I requested documents/contract that was signed. I do not recall this account, as I was going to make a police report I was told by the officer that I need to show them proof of validation on what is being reported under my social but Convergent Outsourcing and XXXX seem to now have anything, according to the agency the account was opened on XX/XX/2016. I was a victim of identity theft a few years ago and was reported to IRS as someone was trying to claim me as a dependent.
|
| 06/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company magically appeared on my credit report for years now. They never sent me my initial letter. I disputed after I found them on my credit report which isnt fair. I have tried everything to pay them despite the fact i do not owe this to XXXX XXXX. I simply wanted it deleted if I paid. They refused. The last time I called the man was so rude on the phone. i requested a supervisor and as always they say someone will call you back and that Never happens.They violated the law. They owe me. i have paid so much for this stupid collection they never gave me a chance to dispute. They even admitted they sent my initial letter to the wrong address!
|
| 12/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
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.
|
| 09/12/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
around XXXX I have received a bill and a collection from from XXXX saying that I owe them about {$3600.00} and I never opened this phone line ever. what was open 2 phone lines and 2 tablets and XXXX barely helped to resolve and now im lost but i went to the local police office and that wasn't much help either they just told me to file a complaint on CFPB and I did that and I waited nothing happened but I got a collections letter in the mail trying to collect the XXXX bill but I don't know what to do after a while it hit my credit profile as Collections and I contacted XXXX and they are actively helping me right placing a fraud alert on my profile
|
| 08/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : CONVERGENT OUTSOURCING-XXXX-Balance {$1200.00} CONVERGENT OUTSOURCING, INC.-Balance $ XXXXDate Opened : XX/XX/2020 XXXX
|
| 11/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have contacted XXXX XXXX and informed them the debt from XXXX did not belong to me. In return, they sent a bill ; they DID NOT provide proof of a signed contract, signature or ID verifying that the debt is mine. XXXX XXXX continues to report to XXXX this erroneous debt although they DID not verify nor validate the disputed debt. In addition they are reflecting this account was opened in XXXX 2016. I did not open an account and did not give anyone permission to obtain an account using my personal information and are not responsible for the charges they are reporting. This needs to be removed from my credit report in its entirety and not return.
|
| 08/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I APPARENTLY HAVE AN OUTSTANDING DEBT WITH XXXX XXXX. THEY SENT THE ACCOUNT TO XXXX XXXX XXXX. THIS COLLECTION COMPANY CALLS MY WORK AND CELL SEVERAL TIMES A DAY. UP TO 6 TIMES A DAY. I TRY TO TELL THE COMPANY TO STOP CALLING ME AND THEY HANG UP LAUGHING. I HAVE NOT RECEIVED ANY PAPERWORK FROM THIS COMPANY. AND XXXX XXXX REFUSE TO SPEAK WITH ME. I HAVE MAILED IN A CEASE AND DESIST, AND I HAVE CALLED THEM TO GET THEIR FAX NUMBER TO SEND IN THE PAPERWORK-THEY KEEP GIVING ME DIFFERENT ONES ( FAX # XXXX ) I DON'T OWE ANY MONEY TO XXXX, I CLOSED THE ACCOUNT WITH A XXXX BALANCE AND TURNED IN ALL OF MY EQUIPMENT THAT I WAS RENTING. AND SO DID MY WIFE.
|
| 05/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have had several messages left in my voicemail box stating that I will be served with legal papers to my address on record. I spoke with a representative from XXXX XXXX XXXX and made a request for original contracts and agreements to be sent to me at my address detailing the debt that they claim I owe. I have not received anything showing that I owe the funds other than repeated calls at times as early as XXXX XXXX XXXX in the XXXX. XXXX XXXX XXXX has also damaged my credit by placing the amount of {$680.00} as a delinquent collection account which is adversely lowering my credit score and preventing me from qualifying for a mortgage program.
|
| 04/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
First of all I got a letter in the mail from XXXX XXXX stating they are a debt collector and that I owed XXXX {$150.00}. It gave an address, phone number, and ways to pay. My XXXX account is good and I owe nothing. I read through and looked at he letter more and something seemed fishy. So I went online to research this company and immediately came across hundreds of complaints about this company being a scam and when people call they ask for your social security number even after giving them the account number they have on the letter. The other people stated they are identity thieves and want your social security to steal. They are a theft ring.
|
| 04/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Caller repeated left robo messages on my mother 's answering machine. The record message identifies itself as XXXX XXXX and states that they are trying to collect a debt from an individual we do not know. No company name, phone number, or other identifying information is provided. I happened to be at home for lunch during XXXX of the calls and answered the phone, then waited for an operator. The operator XXXX stated that the company name was Convergent. I believe the full name of the company is, " Convergent Outsourcing Inc. '' There are likely many other victims who can not complain as the company does not provide any identifiable information.
|
| 01/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The convergent outsourcing/XXXX XXXX collections that is on my credit report is not supposed to be on my personal credit.
It was a business account.
Also the statue of limitation is up ; XXXX charged off my account 1 year before they sent it to collections ; therefore the collection is over 7 years. Yet I still had to pay to get it updated and not even removed. Isnt this illegal?
Ive disputed this account 4 to 5 times on XXXX and XXXX, before I finally got an update and ITS still on my credit. I am in the middle of a mortgage approval and Im ready to sue for the inconvenience that this is causing. I would like this collection removed ASAP.
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Attention : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX D.O.B XX/XX/XXXX Email : XXXX XXXX XXXX : I would like all of my unauthorized derogatory remarks removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account name : XXXX XXXX XXXX Account Number : XXXXXX Date file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Reason : THIS IS INACCURATE
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CONVERGENT OUTSOURCING is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 02/16/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have two collection notices from two different collection agency trying to collect the wrong amounts for XXXX XXXX. I attempted to cancelled the services with XXXX XXXX cause I switched carriers on XX/XX/2017. I went to XXXX. XXXX XXXX claim they couldn't cancel my account because XXXX was attempting to port my number and they can only suspend the account so I wouldn't get any additional charges. Well that didn't happen they continued to charge me when I was with XXXX and decided to use XXXX number instead of porting my number from XXXX XXXX. Now I have two different collection agency trying to collect for XXXX XXXX while this is in dispute.
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I recently found after checking a copy of my credit report I noticed some inaccurate information reporting fraud-related accounts that were opened without my knowledge or consent. I have made contact with all parties involved and this account still remains on my credit report. I have submitted several pieces of supporting documentation to further validate my claim. I am exercising my rights under the FCRA and FDCPA in regard to victims of identity fraud. I've never had any account or contract associated with the Convergent Outsourcing nor received any goods, services, or money in relation to any account associated with Convergent Outsourcing.
|
| 04/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
as of XXXX XXXX convergent sent me a letter saying I owe XXXX for wireless phone service from XXXX XXXX called XXXX spoke with agent explained I never activated phone I cancelled phone service the next day after original talking with them about getting service.I have phone service with XXXX all along never used XXXX XXXX XXXX service.XXXX gave debt to convergent for collection I called them explained situation and sent proof of bills from XXXX.They have not resolved this situation.XXXX has reported this to my credit agencys giving me a bad credit rating reducing my score.I do not owe XXXX XXXX any money for a service that I have never used.
|
| 07/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
On Tuesday, XXXX XXXX, 2015, I cancelled my Internet and TV service from XXXX and verified that I had a XXXX balance with the account representative. Indeed, XXXX 's partner ( XXXX ) actually processed a refund for money I was due. However, on XXXX XXXX, 2015, I received a bill collection notice from Convergent Outsourcing ( which may be owned by XXXX ) stating that I owed {$410.00} for non-payment to CenturyLink, even though no notice of any such debt was ever presented to me from CenturyLink. I believe the attempt to collect this non-existent debt is simply XXXX " punishing '' me for choosing a different Internet and phone service provider.
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX, I returned the security and Internet equipment to the XXXX XXXX location. The representative provided me with a receipt confirmation displaying a balance of {$0.00}. Since then I have constantly disputed the charge with XXXX of {$730.00}.
I have contacted the company multiple times and on XX/XX/XXXX, I spoke with representative XXXX who stated the account was removed in XXXX and should not be reporting as there is no balance owed for the account # XXXX.
On my credit report, an account # of XXXX with CONVERGENT OUTSOURCING. The creditor ( XXXX ) has confirmed this should not be listed on credit report as no account balance exists
|
| 12/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Below is a letter that I have received from XXXX XXXX XXXX, stating clearly that I have paid the past due balance but it is still on my credit report. I would like to know why?
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Re : Payment Posted Dear XXXX XXXX, Account Number : XXXX Thank you for your inquiry regarding the above account.
Our records indicate that a payment of {$220.00} was posted to your account on XX/XX/2019.
The account now has a XXXX balance. This account is officially closed. Should you have any questions, please contact customer service at XXXX. We will be happy to assist you.
Sincerely, Customer Care XXXX XXXX
|
| 07/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Convergent has called upwards of 30 times since XX/XX/2019. They are looking for someone named XXXX. There is no one at my business address named XXXX and the phone number belongs to an account with the name XXXX. Each time I have answered I have told them there is no one here by that name and they need to stop calling while removing the number from their list. They have not.
I filed a complaint with the FTC on XXXX XX/XX/XXXX ( FTC Report Number XXXX ). Since then they have called and been told the complaint was filed. Despite this they have called twice more, XXXX XX/XX/XXXX @ XXXX and XXXX XXXX at XXXX, and been told again not to call.
|
| 03/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX. verifying a debt i supposedly owe in response to me disputing this debt several times. This debt was not verified because the only thing sent to me was the contract from XXXX XXXX. I did not open a XXXX XXXX account in XX/XX/XXXX ( when the account was opened ). Theres no signature of mine no where on the contract neither is my social security number or anything else that links me to this account. The grand total of this account is XXXX but the total balance they say i owe is {$910.00} and its reporting to all of the credit bureaus and needs to be removed immediately to show accurately.
|
| 10/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I received on XX/XX/2021 and XX/XX/2021 from Convergent Outsourcing Inc. stating that I owed an alleged debt of {$1800.00}. I verbally told them that i do don't owe any debt but they continued to send letter stating this accusation. The reported this alleged debt to the consumer credit agencies, which is negatively affecting my reputation by being on my consumer report and also with out my consent to do so. In theses letters Convergent Outsourcing Inc. was offering me a discount on this debt to persuade me to pay it, along with their symbol being displayed on mail that indicates that they are debt collector is the debt collection business.
|
| 09/30/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt is supposedly for XXXX, a service I have not used in over five years if I am correct. This was on my credit report last year with different totals and was removed for being too old to collect, now they claim a new debt to XXXX was started in XXXX this year, but I do not use XXXX, I have not in a very long time. I can easily prove I have used another service for the time in between, but in the end, My service for XXXX should have expired in XXXX. I filed a dispute, but they didn't respond to the fact this debt was already removed from all three bureaus last year for being too old and are again trying to claim something thrown out.
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX I sent a certified letter to Convergent Outsourcing , Inc. stating that they were reporting a negative account on my report. I received a response form them saying they validated the account but they only sent me a bill and did not send me any information that I requested showing that the account is indeed validated which resulted in an improper investigation.
I sent another certified letter on XX/XX/XXXX asking for proof of this account that this account belongs to me. They never responded with anything that I asked in fact they never responded at all and it has been well over 30 days.
Please see below copies of letters.
|
| 05/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a first communication dated XX/XX/XXXX with a settlement offer for an alleged debt. Hidden on the back was the required right to dispute within 30 days. I did sent a letter to dispute and request full validation on XX/XX/XXXX. It has been over 30 days and I have not received anything from this unknown company. However, since that letter was sent this company has reported it to the credit bureaus which they should not have done until the validation was received. They reported it approximately XX/XX/XXXX as disputed so they obviously received the request for validation and dispute. Copies of their notice and my reply are included.
|
| 10/09/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
On XX/XX/2013 to XX/XX/2013 @ the address is XXXX XXXX XXXX in XXXX XXXX, LA. XXXX, my niece, XXXX XXXX used my name, Mr. XXXX XXXX, and my SSN # which is XXXX to apply for XXXX XXXX Data & Telephone Services without my knowledge and/or approval. XXXX is contacting myself, Mr. XXXX XXXX to collect on this debt which is NOT mine, but is that of my niece XXXX XXXX and it is having a negative impact on my credit score and report.I would like for this matter to be rectified as soon as you possibly can. If you need any further information, please do not hesitate to contact my son, XXXX XXXX directly at ( XXXX ) XXXX or myself at ( XXXX ) XXXX.
|
| 07/08/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
Older American |
|
Since about a year after I bought this house, I 've been getting these letters from a collection agency, saying that I owe them money. I 've never heard of this 'original creditor'- XXXX XXXX Bank XXXX They keep adding interest to it, too! I 've never heard of these people! It 's now up to {$20000.00}. Why would I want to pay a creditor money that, as far as I know, I 've never heard of, or done business with! If this were possibly a legitimate, then I think that someone has used my identity without my knowledge in the past! This does not show up in my credit report, either! I 'll enclose their recent letter with this online letter to you.
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Convergent Outsourcing and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
|
| 02/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The name of the company is Convergent Outsourcing. They constantly taunt and harass me about information they retrieved from the dark web. They claimed to have received my information from XXXX, this is false information. I spoke with a representative from XXXX and they have never heard from the company let alone given away my information. I asked the Convergent representative can I call XXXX on a recorded three way call they continued to decline. I requested to see a contract between XXXX and Convergent Outsourcing and they declined. This company has stolen my information from the dark web and I was warned by an alert on my XXXX account.
|
| 02/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
A while back I signed up with XXXX For phone service and signed an auto pay getting a new phone nothing special Was never told that there was a charge For this phone of {$7.00} a month which I discovered after having the service over a year cause I was not happy with the phone and exploring the possibility of getting a new phone.
I was told that there was no promotions At this time, I tried again after two weeks with no results, when I got my next bill from XXXX I noticed the bill was {$10.00} extra and there explanation was charging me {$5.00} for every inquiry to the matter that's when I decided to move my services with XXXX XXXX XXXX
|
| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, Convergent XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 07/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX has already removed account # XXXX from my credit profile discharging it because they couldnt produce documentation with my signature or a instrument of indebtedness or any type of electronic signature or any photo Id or social security card to prove I opened this account. Now today XX/XX/2018 I receive a letter from them stating they verified the account buy sending me a bill in what way shape or form did that verify anything. I never authorized this account. Produce proof of me opening this account with documentation if not leave me alone or I will seek legal action against you and XXXX which is the original creditor thank you
|
| 08/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In XXXX XXXX I disputed an account in the amount of {$3200.00} I had in collections to have been fraudulently opened. It was removed from my credit report. Then it was reinserted into my credit report in XX/XX/XXXX. I was not notified at all. This reinsertion lowered my credit score and also started the illegal re-aging of this account! I sent a certified letter to XXXX asking them to remove this Item off my credit report but haven't received a response and haven't been notified that they received this letter. This account is now open and last reported to the credit bureau on XX/XX/XXXX. Negatively affecting my credit on a monthly basis.
|
| 01/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Today XX/XX/20 I received a call from CONVERGENT on behalf of XXXX XXXX Phone # XXXX.They asked me for my Social and when I refused they then ask for my PIN # for my XXXX acct . I refused that as well as XXXX has inform me to never give that info out. The call said that she would not be able to give me any info if I would give verify acct. I don't not have an account with Convergent. I do have an account with XXXX and I called them and all my accounts are paid and up to date. I also have not received any documentation in the mail from this company. I asked the call to mail me a debt verification and she said she had to end the call now.
|
| 08/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been dealing with XXXX XXXX and XXXX XXXX since XXXX on this matter to no avail. They charged me for my phone on XXXX on my XXXX XXXX Bill and my XXXX XXXX card in the amount of {$420.00}. I paid this in full on my XXXX card months ago.
They turned me into Convergent ( account # XXXX ) ON XX/XX/2022.
I tried resolving this through the XXXX and this has been a nightmare.
They wrecked my credit score and I want them to fix it.
I need help please.
I am going back to teaching school next week and have no extra time to deal with these people. SHAME on XXXX.
I appreciate any help that you can offer me.
Warmly, XXXX XXXX XXXX
|
| 04/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
In XXXX I cancelled a XXXX account with authorization from a XXXX employee. The reason for cancelling the plan after several years of service was because there was no service in the area I lived in even though I paid for service for XXXX years at that location. XXXX insisted I pay a disconnect fee after I already canceled the service even though it was authorized by their employee who agreed I would not have to pay a fee. I spoke with an attorney who helped me communicate with XXXX and collection agencies about the conflict, disputing the charge. Since at least XXXX XXXX has continued to harass me for some partial payment off and on.
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
There are 2 entities reporting a past-due account in collections for XXXX XXXX. The entities Convergent Outsourcing and XXXX XXXX are both reporting a past due amount of {$350.00} to {$400.00} owed to XXXX XXXX
These are both fraudulent accounts and not authorized by myself. I have never opened any personal accounts with XXXX and currently have a business XXXX account that's current since XXXX.
Attached items are ....
Proof of ownership of my current Business Account, Business Articles of Incorporation, Convergent Outsourcing Letter dated XX/XX/XXXX Verifying Fraudulent Account, Proof of Fraud/Identity Theft reports .
Thank you
|
| 06/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Over the past XXXX XXXX XXXX XXXX, debt collectors have been illegally trying to collect upon an uncollectable debt which XXXX agreed to XXXX out in XXXX of XXXX as per the attached legally binding agreement between myself and that phone company. The latest debt collector illegally trying to collect is Convergent Outsourcing , Inc. based in XXXX, Washington and these illegal efforts have been ongoing since XXXX of XXXX
The signatory at XXXX who agreed to write off and XXXX out this debt agin as per the attached legally binding agreement is XXXX XXXX Executive and Regulatory Services Analyst XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX
|
| 10/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX I viewed my credit report and saw company XXXX XXXX had filed a adverse action under my name stating i hadn't paid a bill. I never had an account with XXXX XXXX and I never lived in the state at the time specified. XXXX XXXX assigned {$1400.00} to a collection agency Convergent Outsourcing Inc . I reached out to Convergent Outsourcing Inc and have been getting the run around to no avail. I have requested Convergent Outsourcing Inc to remove that adverse action and they refused sending me documentation with my name ( misspelled incorrectly ) and a address I never lived XXXX. I am requesting to have it removed immediately.
|
| 04/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Convergent Outsourcing has been harassing me to collect a debt of {$560.00} from the original creditor XXXX. I PAID in FULL XX/XX/2016 my bill in cash directly to XXXX and this is not legal. It has shown up on my credit report and it is unfair that this has affected my fico credit score. I need it to be removed from all credit bureaus. I paid my financial obligation and should not be harassed by phone, my house phone and mail for a debt that I have already paid in full. I have spoken to XXXX and they have told me there is XXXX balance that I owe. I need this removed from all 3 credit bureaus immediately and for the harassment to stop.
|
| 04/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
When I first found a new collection on my account from XXXX XXXX for a XXXX bill that I never had I immediately started disputing it. But every time I did they would just send me a copy of a bill that had my name on it. No signature or social security number provided. When I tried to tell them that this is not my account they just continually replied that the debt was valid. Which it is not. I have been trying to talk to them for over a year now about it ; And they refuse to cooperate with me or show me anything besides a bill that had my name on it. This is tremendously impacting my credit ; And this need to be addressed immediately.
|
| 06/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Convergent is a debt collector trying to collect money on an account Ive never used and was created fraudulently with my stolen personal information. My personal information was stolen and used to open a fraudulent account with XXXX XXXX in my name for a different address I have an identity theft and fraud case open with Optimum but in the meantime Ive received a bill for over {$800.00} to collect from Convergent Outsourcing that I am not responsible for. Their phone number on their website and bill does not have a voicemail and was not taking phone calls. I demand that this bill be removed from collections and my credit be restored.
|
| 12/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
on XX/XX/2020 Convergent outsourcing collection added a derogatory mark on my credit report per Credit XXXX, XXXX, and XXXX. Upon further research, this account was transferred/sold to XXXX and I am no longer responsible for the account. Debtors Creditor did not verify this collection, Also there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its Mines. According to the FCRA Convergent Outsourcing collectionhas violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 12/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, I received a bill from Convergent Outsourcing Inc dated XX/XX/XXXX stating a balance owed of {$210.00} with a reduced balance amount of {$100.00}. The bill was sent to an old address of mine and thus I didn't receive it till this week.
The account number does not match my XXXX account number which I haven't used since XX/XX/XXXX. That transaction was for {$190.00} and was paid in full. I have a {$0.00} balance on my account.
I've done some research and found others that have had a similar problem with this company. This balance is not mine so this is either a mistake, a scam or some form of identity theft.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a contract issue with XXXX XXXX in XXXX with a sales person who wasnt truthful. concelled the service and XXXX sent the account to a collection company for a XXXX fee. We settled and paid the account. The collection company XXXX XXXX has marked the account as " Disputed by Consumer ''. They refuse to remove this and provide me a petter on their letterhead stating the account is not disputed by the consumer. I have tried numerous times to have this removed and they refuse. Im the consumer and I DO NOT DISPUTE. Their failure to remove this is holding up a mortgage loan causing me now to have a higher rate because of their delay.
|
| 10/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was paying off a utility/Electric Co, XXXX on a monthly basis. The balance was {$85.00}. It was reported and turned over to XXXX XXXX XXXX in the amount of {$120.00}. Then to another Collection Co also. I called XXXX and the tild me not to pay them, but to pay XXXX. I did. I paid XXXX {$110.00}. It took me 2 mo 's and 5 calls to get a paid receipt from XXXX. The paid receipt shows account paid at {$110.00} to XXXX only. Not XXXX XXXX also. My account was to XXXX only. Now XXXX or XXXX won't confirm the payment to XXXX or XXXX. The account has beed paid in Full. I have a Receipt. This must be removed from my Credit report please.
|
| 02/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
|
| 12/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have been harrassed by Convergent Outsourcing for a debt that is not mine. The debt in question is for XXXX. I work for XXXX, and I do have nor have I ever had a debt with them. I have been working at XXXX for XXXX XXXX XXXX XXXX ). Contacted the collections department within XXXX and they stated that I do not have a collections account with them, and if I did I would not have employment with them. The debt in question is {$590.00}, XXXX has free/discounted services for their employees. I do not owe anything to XXXX or Convergent Outsourcing, they are trying to have me pay for a debt that is not mine and harass me in the process.
|
| 11/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
CONVERGENT OUTSOURCING ( a collection agency ) has placed derogatory information on my credit report. The alleged debt is for : {$1300.00} and the original creditor is : XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. In addition to that pursuant to the FCRA, FCBA and the FDCPA I never received any written notice at any time to notify me of their attempts to collect on this alleged debt.
Pursuant to the federal law my rights were violated as a consumer and the have violated a federal law. Especially for placing invalid derogatory information on my credit reports and they should not be allowed to get away with this unfair practice
|
| 05/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Convergent Outsourcing ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ), a collection agency that appears to be a fraudulent company, has used my personal information to falsely accuse me of owing {$610.00} to XXXX. According to the company, the account was created in XXXX in XXXX, when I lived in XXXX, and closed XXXX. I called XXXX regarding the information after speaking to XXXX XXXX, who had no record of a previous delinquent account in my name. According to XXXX, Convergent used a completely different social security number from mine. I also found an official news article regarding other people 's fraudulent experiences with Convergent.
|
| 05/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
There is an collection agency call convergent outsourcing that has placed a debt in the amount of {$210.00} on my credit report for XXXX, XXXX and XXXX XXXX. It was placed on my credit report in 2019. I have reached out one time to inform them that they should not be on my credit report that bill that they placed on my account is from XXXX. That bill had been taken care of already I have the confirmation number. also, the amount that the bill worth was {$110.00} so Im really unsure as to why they were trying to get {$210.00}? Just that alone shouldve been removed from my credit report because they were reporting an illegal amount.
|
| 02/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a debt collection letter from Convergent Outsourcing , Inc. based out of XXXX, WA, said that I owed {$4600.00} -- and this debt was coming from XXXX XXXX, XXXX.
Convergent Outsourcing, Inc said " Our client has advised us they are willing to accept 35 % of your total balance ... your reduced amount would be {$1600.00}. '' The original creditor according to the letter is XXXX XXXX.
I wrote a letter disputing this debt on XX/XX/XXXX.
I am complaining because I PAID THIS DEBT back in XX/XX/XXXX ( more than 10 YEARS AGO ) for a settled amount of {$1400.00}.
Any guesses to how and why this is happening?
|
| 12/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I
n XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I disputed two items in collections on my credit report. After review, the CRA ( XXXX ) deleted the items from my credit report. Fast forward to approx XX/XX/XXXX ; I notice that my credit score has dropped precipitously, so I go to investigate, and much to my dismay, I find that " XXXX XXXX '' has somehow managed to park this deleted item on my credit report with absolutely no notification. The CA also re-aged the debt, stating that the " date opened '' was in XX/XX/XXXX. This is severely impacting my ability to move forward with plans to purchase a house,
and seems criminal in nature.
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Earlier this year, I checked my credit reports and noticed a collection fr om Convergent Outsourcing f or the amount of {$1300.00} and the original creditor was XXXX . I disputed this collection on two separate occasions for the XXXX credit bureaus and my collection was successfully removed without paying anything. On X/XX/2017 , I checked my credit scores via the myFICO app and I saw that the collection was added again without any type of notification. I calle d Convergent Outsourcing o n X/XX/2017 and asked the rep will they report my collection paid in full once I pay it in full and the rep did n't answer my question.
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| 07/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
|
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On XXXX XXXX, 2016 I received an alert from XXXX stating that a new collection account was added to all XXXX of my credit bureau credit reports. I saw the name of the collection agency and I never received anything from stating that they were collecting anything. And also they are collecting for XXXX and I never had XXXX. If they would have communicated with me I would have been able to dispute the collection and send them the police reports and FTC affidavit. I have been victim of identity theft and this is another account that is part of it. I have attached my police report and FTC affidavit which includes Convergent Outsourcing
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| 05/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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My identity was stolen about a year and a half ago. This case was closed after doing all of the reports and case filings. Today, I received an additional letter in the mail from a debt collector. This was for an energy company that I have never heard of. This is one of the same energy companies that had an account opened by fraudulent information on myself. I did not open the account and this account is opened for about {$2000.00}. I called the energy company and The debt collection agency. Both opened referrals and cases against this fraudulent account. The energy company told me to file a report here so that is what I am doing.
|
| 11/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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First off I should be suing XXXX because who lets a XXXX yr. old upgrade a phone without their parents consent? I had already paid the first one off & Im still walking around with a XXXX myself. They didnt have my permission nor my signature for him to trade in phones, switch yo an upgrade, or however it works. I was y present not notified til the bill came in the mail. I was recently laid off from work & months prior to my layoff I was out with XXXX back to back so I know everything was done without my consent because I wouldnt have agreed to it or signed for knowing the situation im in & knowing I wouldnt be able to pay for it
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| 04/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I received a collection letter from Convergent Outsourcing Inc. stating a debt to XXXX XXXX, XXXX in the amount of {$2900.00}, dated XX/XX/1996. My correspondence to them was, on a form that they provided, that I did not owe this debt and have no knowledge of this debt or XXXX XXXX, XXXX. Convergent insist that I provide them with Affidavits, Police reports that include my SSN, Drivers License DOB and Addresses. This debt appears to be 26 years old and uncollectible after 7 years from the date of the last payment. It was suggested to file a complaint with ( CFPB ) Consumer Financial Protection Bureau and Federal Trade Commission.
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| 09/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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I sent a letter to convergent asking for : 1. Validation of the debt -- that is, the actual accounting.
2. Verification of a signed Invoice 3. A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail so that there is an independent " witness to it having been delivered. '' However, according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
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| 02/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I contacted Convergent debt collection last year to notify them that this is not my account. They asked me to send a copy of my social security card and other personal identifying information that I am not comfortable sending in order for them to locate whomever debt this belongs to ( or in the case this was identity theft ). I already dealt with this issue through previous debt collection agencies as well as filed other complaints through the cfpb website regarding this same debt. Now they are sending me a letter with an amount owed in excess of XXXX dollars. I do not owe this debt and I would like them to stop contacting me.
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| 03/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Hello- Received a letter from Convergent XXXX stating I owed {$720.00} but they would settle for {$250.00}. I called and they wanted my social security # which I am not willing to give out, they would not tell me what the debt was for and this is not on my credit report. I called on XX/XX/XXXX and emailed the company on XX/XX/XXXXwith no response. The email was sent to them through their website : XXXX. I believe this is a fraudulent company and looked them up online and saw many other complaints. I do not want them contacting me again and hope to help others that may be taken advantage of by these frauds. Thank you-XXXX XXXX
|
| 10/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a call from a representative from CONVERGENT OUTSOURCING onXX/XX/2020 about the collection of outstanding debt from XXXX. I spoke with the representative from CONVERGENT OUTSOURCING and came to an agreement that I would pay the balance with the condition of a pay to delete. The representative from CONVERGENT OUTSOURCING agreed and paid the debt immediately on my XXXX XXXX.
Below I have attached a screenshot where the balance shows {$0.00} dollars.
I have reached out to CONVERGENT OUTSOURCING numerous times trying to remedy the issue. I have opened disputes with the credit reporting agencies ( XXXX and XXXX ).
|
| 06/26/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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This collection company is lying that they contacted me via mail. I have never received anything from them. If I did i would definitely reach out to resolve the debt as I am in the process of trying to buy a home. They use this tactic of reporting to bureau before contacting you as they know they will definitely get your attention and response quickly. I will attach a bill from XXXX, now that I know who this debt collection is from and it will show that they did not have this debt in their possession back in XXXX as they stated. I was still receiving a bill from XXXX. As I stated above this debt collection did not contact me!
|
| 01/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 01/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 08/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX.
|
| 02/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I was going to be a XXXX customer. I had equipment shipped out. I decided not to pursue this and cancelled the lines for the phone and returned the equipment. I still received a bill after being told my debt would be {$0.00} since I cancelled that day. Since then I have received two bills with different amounts. I have called XXXX three times and each time they confirm all equipment is returned and balance of account is XXXX. Now I am receiving a collection debt from a collector on behalf of XXXX for XXXX balance XXXX has repeatedly said is {$0.00}. I never used the service and returned all equipment. I do not owe this debt.
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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On XX/XX/2021 Covergent Outsourcing added a derogatory mark on my credit report per XXXX XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
|
| 08/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested a detailed description of the alleged charges, dates, and amounts over the phone. Instead I received a letter with just the total alleged amount. I responded with a written dispute letter as I do not agree with the amount in question requesting again a detailed description of the alleged charges in writing. My dispute has not been responded to and the company continues to repeatedly call all day and night and harass my father and provide him with information that is inappropriate. They then attempted to withdraw money from my bank account fraudulently and without my permission and I had to cancel all of my cards.
|
| 05/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I submitted a complaint back in XX/XX/XXXX and spoke to someone at XXXX XXXX. That's how it was listed on my credit report then. Now it is listed on my credit report as XXXX. It was investigated by y'all, XXXX , and XXXX , and found that it was NOT my account and it was removed! Now it is back on there under XXXX. This is the SAME account that was listed under my credit report for the last 4 years under XXXX and three other collection agencies because it is not now nor has it EVER been my account. They even sent me an email and called and said that it was not my account. I want this taken off of my credit report. NOW!!!!!!!
|
| 01/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I cancelled my services with XXXX XXXX back in XXXX of XXXX. I paid the final amount of {$130.00} on XXXX. This payment was to clear up any balances owed and I then returned all equipment to a XXXX location nearest to me. Having closed the account back in XXXX XXXX I was dinged on my credit by XXXX XXXX on XXXX XXXX, XXXX, over one year later. No phone call by XXXX to explain the matter or reason for this new charge because once I dropped off the devices the employee told me my account was officially closed. I now have a {$110.00} balance owed to XXXX XXXX, a credit collecting agency, for a balance that I knew nothing about.
|
| 07/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
convergent has failed to remove this alleged account from my credit report. they are still reporting but refuse to provide me with a copy of any viable evidence bearing my signature showing showing the account is being reported accurately and all they send was a copy of an itemized bill in which could belong to anyone. according to XXXX XXXX XXXX convergent should be aware that a printout of a bill or itemized documents does not constitute verification. convergent is still reporting on my credit report. I have even send them a letter certified requesting this information and I am keeping careful records of everything i send.
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a collections notice from XXXX XXXX, XXXX for XXXX. On XXXX XXXX I sent a certified return receipt letter advising that I was disputing their claim. I also requested validation of the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I requested a response to provide me with a list of items stated in my letter within 30 days from the date of receipt. I never received a response from my letter.
They are in violation of the Fair Debt Collection Practices Act and Defamation of character. They continue to report invalidated information to the three credit reporting agencies. I consider these actions fraud.
|
| 12/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent has reported a collection account to my consumer credit file in the amount of {$460.00}. I do not owe this alleged debt. If Convergent has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Convergent is attempting to collect. Convergent has no legal right to attempt to collect a debt. Convergent has not validated this debt nor sent me a notice of collection. XXXX XXXX is in violation of the FCRA and the FCDPA.
|
| 03/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Yesterday, XXXX @ Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX, phone XXXX or XXXX called me at my cell phone asking for the payment due to XXXX XXXX XXXX XXXX, XXXX of {$430.00}. I told him I didn't owe them anything and I didn't know XXXX. I also asked XXXX which property address owing that such amount. He gave me one address in Texas. I told him I never lived in Texas my whole life. XXXX XXXX, this account under my name will be closed because it's a mistake. I also told him I reported a fraud to XXXX but also I wrote Convergent a letter explaining I don't know them or owe them anything.
|
| 02/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received no notice of debt owed. The only way I found out about the collection was through an alert from the XXXX XXXX app on my phone. I received no phone calls, emails or mail from this company, yet they are reporting an account that I had with them. When I initially disputed this through the credit bureau, the account was simply updated to paid, but I never paid them directly. When I called for more information, they said that I should reach out to the original creditor, but it made no sense because it shows that I have an account with them that was. Even after requesting information in writing, I've received nothing.
|
| 10/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been receiving calls regarding a {$530.00} debt with XXXX XXXX, the only debt I have ever had with XXXX XXXX was paid off long ago and the total amount does not match the previous debt. They gave me a time limited offer to allow me to satisfy said account for 35 % of that total. I called them today XX/XX/20 to see if they could verify the debt and would not do so without my original account number and social security number. This debt is not on my credit report and I do not and have not had a XXXX XXXX account in over 10 years. I did not give them any information as they were unable to verify the debt 's legitimacy.
|
| 08/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
CONVERGENT OUTSOURCING, INC a Collection Agency for XXXX XXXX refuse to remove a PAID collection from my report.
The debt was not a valid loan and should not be on my credit report. After I paid my account in full, I sent the equipment back. After several months, they sent me a bill for {$60.00} saying some of the equipment was missing.
I paid this account in full because I didn't wa n't to deal with them. They removed the account fully from XXXX but not from XXXX or XXXX.
This was not the valid definition of debt and they used my credit report as leverage to pay for equipment I turned in. This is an unfair practice.
|
| 08/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt I believe occurred in XX/XX/XXXX/XX/XX/XXXX however has reappeared on my credit report showing a XX/XX/XXXX start date. I disputed the debt through the credit bureau 's but they supposedly received enough info to say it was my debt. I have never received any information and know this has been a collection item for many years at this point. It is illegal to re-age the debt in attempts to collect the debt. I have requested information from the agency but have not received anything to date. I have found one bill going back to XX/XX/XXXX regarding this debt so there is no way the XX/XX/XXXX report date is the origin.
|
| 03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.
|
| 07/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX i noticed a collection on my credit that is not mine. I sent many disputes to all 3 credit bureaus disputing the fraudulent account with no success. So in XX/XX/XXXX I sent a certified letter to Convergent Outsourcing with a copy of an FTC Fraud affidavit. I got no response from them. Again in XX/XX/XXXX i sent another certified letter, again no response. This company is violating 15 USC 1681 FCRA. They are reporting an account that they are fully aware is Fraudulent. IF this is not removed my next step is to sue them in Federal court. Certified mailing numbers via USPS are # XXXX XXXX XXXX XXXX XXXX and # XXXX
|
| 12/15/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
The aforementioned credit collection agency representing whomever your client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX.
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If CONVERGENT OUTSOURCING does not have any documentation, they need to retract this from my credit file immediately.
|
| 06/01/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American, Servicemember |
|
My account has been passed from one collection agency to another. The lastest one is XXXX XXXX XXXX. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back.
I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior.
I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.
|
| 07/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 02/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 02/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 02/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 02/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Debt collector ( XXXX XXXX XXXX ) called and I did not verify debt or any information with them. Customer service rep stated this is your bill not mines. I have disputed a bill through them written and sent through that I had with XXXX and informed them in the letter that I would be paying XXXX directly. They have placed unauthorized charges on my credit report although the debt is owed to XXXX and NOT their agency. This has had a negative affect on my credit report and the call times have interrupted my job and time with family with the constant harassing phone calls for a debt that I do not have through their company.
|
| 12/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested verification on the alleged debt XXXX XXXX XXXX is attempting to collect on. I sent a letter of verification and requested the original lender 's information so I may investigate the debt said owed. I also requested proof XXXX XXXX XXXX could legally collect in the state of TN.
I requested this information on XX/XX/XXXX by mail and did not receive an apply back.
On XX/XX/XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt.
This collection agency is not license to collect in the state of Tennessee.
Please assist me in this matter
|
| 06/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because I am being extremely affected by CONVERGENT OUTSOURCING , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal.
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation..
I am requesting deletion account from all credit bureaus.
This is the account : CONVERGENT OUTSOURCING , INC .
Opened : XXXX XXXX, 2020.
Balance : {$1600.00} Original Creditor Name : XXXX XXXX XXXXXXXX Highest Balance : {$1600.00}.
Please see the document attached.
|
| 01/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This was a debt that originated with XXXX XXXX XXXX and not this collection company. Debt was charged off by XXXX XXXX XXXX then replaced back on as active by collection company. I informed them that I believe their actions to be illegal and representatives became very rude. I asked them to stop calling and notify me in writing, they have refused. It is my opinion that their actions are illegal and at best falsifying information on my credit report to cause me the most harm. They are intentially hitting my credit report as often as they can to make my score go down. Their actions have caused me to lose a federal job.
|
| 08/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reached out to this creditor several different times to request the validation of a account in which they claim I owe XXXX dollars, I ask them to provide me with copies of any documentation associated with this account bearing my signature and they have yet to provide me with this information. My first letter was sent certified mail on XX/XX/2018 and my second letter also sent certified mail was sent XX/XX/2018. By this company not validating the debt in a reasonable time frame they are in violation of the FCRA & FDCPA therefor I am requesting that the company delete the entry from all credit reporting agencies.
|
| 02/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid this account back on XX/XX/XXXX @ XXXX. I spoke to a XXXX XXXX who recieved my settlement payment in the amount of {$190.00}. He then told me it would take 3 to 7 business days to recieve a settlement in full email. The issue that I am having is that the status was updated in XX/XX/XXXX with XXXX with the new information. XXXX still shows the account as open and it is also being updated every month. The last update was on XX/XX/XXXX. I have sent numerous requests to XXXX and have not recieved any response to my letters regarding this fact. I worked hand in hand with a HUD approved agency to remedy this issue.
|
| 06/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX -I was month to month on a lease of a house. The owner of the home switched Property Managers and they wanted a 12 month lease and an increase in rent. I declined and moved to a new address that would not allow satellite tv. I talked to several people at XXXX XXXX including supervisors who stated as long as all of the equipment was returned I would not be charged a cancellation fee. However a cancellation fee was applied. I never received notification at my new address but is now reported as a collection account on all XXXX credit reports. XXXX XXXX and Debt Buyer refuse to help. Convergent is the debt buyer.
|
| 12/31/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Ok, I checked my XXXX credit report, and these XXXX are harassing me for {$6.00}!!!!! REALLY?!!! I HAVE NEVER EVER seen these providers in my XXXX life, I do not wan na hear a XXXX thing about contacting the police either, bc I have already done that. I have spoken to several reps about this, all XXXX were rude, one of them asked me a question abt Medicaid and XXXX. It 's none of your XXXX business what insurance I have, also ... the police DO NOTHING abt ID Theft unless your XXXX is famous!!!!!! That does not work!!!!!! I know XXXX other people that have had the same stuff happen, and they did nothing ( the police ).
|
| 07/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX billed me for a unknown item and auto charged it to my XXXX XXXX, I reversed the charge. They then sent my file over to Convergent to collect the fee. Convergent has made a negative mark on my credit dropping my score nearly XXXX points. I can not contact Convergent. They do not man their phones and they do not respond to contact requests. I have called over a dozen times and theres no way to leave a message. I do not have my account number and can not pay online. Im attempting to buy a home and this has affected my credit score severely and has lowered my ability to borrow money. I would like this debt removed.
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Please also refer to complaint XXXX for previous information.
I have sent requests to XXXX on XXXX, XX/XX/2019 and XX/XX/2019 and XX/XX/2019, asking they provide a WRITTEN and SIGNED contract between me, XXXX XXXX, and XXXX regarding this debt. In your response, CFPB wasnt able to forward it to the company for a response because the company is not in your complaint system.
XXXX has sold this debt to Convergent Outsourcing, Inc. ( see attachment ) I have sent a letter to XXXX XXXX XXXX XXXX requesting they provide a WRITTEN and SIGNED contract between me, XXXX XXXX, and XXXX XXXX XXXX XXXX stating repayment terms.
|
| 10/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent two verification letters to collector requesting verify the debt. Fair Debt Collection Practices Act ( section 1692c ) and Rules of the City of New York ( section 5-77 ) require that you honor this request. Your cooperation will be appreciated.The first time was in XX/XX/2019. The collection did not respond, only updated my credit report withthe remark : " Account information disputed by consumer ''. The second time was in XX/XX/2019 and I have not gotten an answer yet. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
|
| 08/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
When I closed my account with XXXX in XXXX, I paid them the total due upon closing and they guaranteed that was the final bill, even though it was double my monthly for some long winded reason, I paid it, just to close the account. A few months later they showed this new amount still owing {$110.00} which I have no record or recollection of. This is plain extortion by big corporations like XXXX, holding people 's credit hostage for unjustified and fake collections. This should be removed from my credit report or copy me on the original date and itemized bill for this amount as this is NOT from XXXX, not even close!!!
|
| 04/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX has stopped reporting only to start a new report. While the age remains the same it still damaged my score 5 points and hasn't recovered. This is one of many harassment tactics that they have used which the FDCPA protects me from over the phone they have also claimed to be XXXX themselves and refuse to be anything less than difficult and annoying. The harassment has occurred on every instance that I've called and includeds half hour hold times, repeatedly being put on hold, as well as unauthorized personnel asking me for vital information, repeating the same questions over and over again and just goes on.
|
| 08/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
OnXX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company XXXX XXXX which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.
|
| 03/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Convergent Outsourcing, Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX sent me a bill for {$610.00} ( {$270.00} account balance + {$340.00} equipment cost ) from an unspecified company. This bill was unknown to me, so I called Convergent, and they offered to send me a fraud packet, which they did. the fraud packet requires a notarized affidavit, a copy of my driver 's license, a police report and a utility bill, and the form ( " Identity Theft Victim 's Complaint and Affidavit '' ) requires a lot of PII, including my driver 's license # and SS #. I XXXX Convergent and read that they're a scam.
|
| 02/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I owed a debt to XXXX due to a charge that was fraudulent. There was much back and forth between XXXX and myself however they did not side with me in this dispute and sent my account to collections, I paid the collection agency and all was resolved. I heard nothing for many months and I just received and email from Convergent Outsourcing stating that I owe the full amount and that Im obligated to pay 50 % at a sum of {$130.00} instead of the full {$260.00}. I have already paid off this debt and can assure that nothing is owed, however Im still receiving emails but no response from the company to show proof of debt.
|
| 03/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have been trying to contact Convergent Outsourcing Inc for awhile regarding a fraud alert i received from XXXX listing Convergent Outsourcing inc as the creditors. There was never any attempts by this company or any other in writing or verbally to collect a debt from me in the past but i am being told that the debt was reported on my experian credit report. I have made multiple attempts to contact the company by telephone and in writing trying to verify this debt and get information about the original creaditor and receive no response or help. I have no memory of an open account for XXXX dollars in my credit past
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Type this out exactly in this box of you want to input your info and remove instructional verbiage.
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2019 Convergent Outsourcing added a derogatory mark on my credit report per XXXX XXXX, XXXX app and XXXX. Upon further research this account was transferred/sold and I am and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Convergent Outsourcing has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 01/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company continues to contact me about debt they claim that I owe to XXXX XXXX. After numerous conversations and calls I have 2 different reference # s from XXXX XXXX stating I do not owe them money and my account is closed and in good standing. The error was on their part as they credited it to the wrong account. XXXX XXXX also stated that the creditors contacting me are not agencies that they work with and have never heard of them. They feel some of these companies are fraudulent.
XXXX XXXX reference # 's stating that my account is in good standing with a XXXX balance 1XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX
|
| 07/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
There a some huge issues with the collection that showed up on my credit report yesterday. One, it is well beyond the statute of limitations in Florida. Also, this is for a XXXX account that my ex-husband open years ago without my knowledge or permission. XXXX recognized this and subsequently removed my responsibility for the balance owed approximately 7 years ago. I believe Convergent bought some old debt and is trying to make some money without even attempting to find out if the debt is even valid. I am in the process of buying a house for myself and my children and this just made my credit score drop 40 points!
|
| 04/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid Convergent Outsourcing {$300.00} on XX/XX/2020, that satisfied my debt in full with them. I have asked them to remove the account from all 3 credit bureaus several times but instead they update the remarks to paid in full and closed. Because they are now paid off I think it is fair that that account is deleted from all 3 credit bureaus. Convergent Outsourcing have been paid in full and should be removed from my reports so the derogatory mark is removed and I can proceed with buying my house as the mortgage lender asked that all collections be removed from all 3 credit bureaus once paid in full. Thank you.
|
| 05/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I called Convergent on XX/XX/2022 in order to get some more information about this debt. I have been monitoring my credit heavily the past few months due to trying to buy a home and I never received anything in writing from them to let me know about this debt before it appeared on my credit which they do have to notify me, in writing, prior to reporting and they did not do so. If they had followed the proper procedure I would have entered an agreement with them then to resolve this. I did call them to make an attempt to deal with this, but again they did not notify me in writing prior to reporting on my credit.
|
| 01/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive asked CONVERGENT OUTSOURCING multiple times from XX/XX/XXXX to present to send proof that their the original creditor. Theyre violating my consumer rights reporting inaccurate information pursuant to 15 usc 1981 ( a ). Pursuant to 15 usc 1692 ( a ), 15 USC 1692e misleading representations, 15 USC 1692j - false & deceptive. CONVERGENT OUTSOURCING does not answer the phone.
Pursuant to 15 USC 1981 XXXX is reporting the last date active on XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. VIOLATION 15 USC 1692 ( c ) ( a ) ( 3 ).
FURNISHING A DECEPTIVE FORM TO MAKE THE CONSUMER BELIEVE THEY OWE A DEBT 15 USC 1692J
|
| 11/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or about XX/XX/XXXX, I was informed that Convergent Outsourcing has been attempting to collect a debt that is not mine. I called to discuss the issue with Convergent Outsourcing, the debt collector, on XX/XX/XXXX and was informed that they have no proof or validation of this debt, but will continue to report this information on my credit report.
I have filed an FTC Identity Theft report, which is attached hereto.
I have been XXXX and XXXX since XXXX and I am unable to XXXX, XXXX, or XXXX any contracts without assistance. I have attached my Indiana state ID card that shows a medical alert that I am XXXX.
|
| 06/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company is falsely reporting a debt on my credit that I do not owe. I requested a signed contract to show proof the debt belonged to me, however I was not sent any information. I even sent dispute letters to the credit bureaus, but they are stalling the dispute process because they do not have any proof it belongs to me. Neither XXXX or XXXX is able to verify this information. Convergent does not have any documentation or signed contract, therefore they are reporting false information which is illegal. I need this information to be removed immediately. I will be filing a complaint with the XXXX and XXXX.
|
| 08/20/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Got a letter saying I owed {$14000.00} on XX/XX/XXXX. After calling found out it was from XXXX. I filed bankruptcy in XXXX this said account should have either been discharged or frozen until after my chapter XXXX bankruptcy ended. XX/XX/XXXX my bankruptcy ended I never got any bill from account holder. Now 6 months later they are either trying get money from an account discharged from my bankruptcy or mishandled my account during my bankruptcy. I want this account withdrawn as it goes against federal bankruptcy laws! They should have by law sent me a bill to resume payments not sent it straight to collections.
|
| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX I had issues with XXXX XXXX when I transferred to XXXX it took XXXX over 3 months. XXXX XXXX gave XXXX the run around with the finale bill. I sent XXXX several times US REG Mail to the issues. They had already put the account on my credit file before they settle the finale bill with XXXX.
I also called them over 120 times to this situation that was going on.
I mail them REG US Mail and then some one call back said it was being sent up to a higher department with no results to the issue and they never resolved the issue and I kept calling them with no results always some one is working on the issue.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a letter in the mail a few days ago from Convergent Outsourcing , Inc. in regard to a debt collection of {$1400.00} that I do not owe. Due to the fact that I have no recollection of the said account that are referring to. I am an identity theft victim as of XXXX. I have a police report, and a FTC report, and my credit file reflects this status.
I am going to be emailing the company at XXXX with this report attached, along with the police report and a cease and desist order.
That any further reports on the credit, communication, etc will be automatically forwarded to my attorneys and their teams.
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have previously reached out to the collection agency to get verification of a debt they have been reporting. After numerous attempts I have received no notice of investigation or updates for the account. The original creditor doesnt have any knowledge of said account so Ive been stuck with dealing strictly with the collection agency with no luck. I have attached the email stating that they have indeed received communication from me but have just failed to respond for months. This account falsely reporting is hindering me from major life advances and I would like this matter to be handled as soon as possible!
|
| 08/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
on XX/XX/2020 a person by the name of XXXX from Convergent Outsourcing, Inc. Inc called twice about a debt owed.
I explained it was my legal right to advise them to stop calling me and as of today i would like all communication and anything they needed from me in writing.
She proceeded to say " I can't do that I need to verify myself '' and I repeated again to stop calling and to mail me communication. She then proceed to give me attitude about what I just asked for and said " tisk tisk tisk '' like I had done something wrong before just hanging up the phone on me.
this was at XXXX EASTERN STANDARD TIME
|
| 03/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Convergent XXXX, a collection agency, is contacting me to try to collect a cell phone debt that they previously accepted a reduced balance over 2 years ago. They tried this tactic last year and when they were told to stop because they accepted a reduced balance, they said they would not contact me again. Now they have called me on my cell phone and sent me a notice, again offered a " reduced balance amount. '' Convergent XXXX clearly does not honor reduced balance offers. They must rely on the fact that the balance was paid so long ago that I do not have document to prove what I paid and the notice they sent.
|
| 11/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick XXXX because my situation is based on the legal right to operate in the State of XXXX as a debt collector and Convergent Outsourcing does n't have the right to collect debt in the State of XXXX. I am going to provide you with the XXXX I sent to them, I am going to provide to you the research from the State of XXXX Debt XXXX Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the XXXX
|
| 10/24/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was reached out to by XXXX XXXX, on XX/XX/2023 through a written letter. The letter said I owed {$1400.00} to the company. However, I have no affiliation with XXXX, and when I called Customer Service, the account number mentioned in the letter was not recognized by the system.
I then received a letter by Convergent Outsourcing on XX/XX/2023.
When I checked by credit score on XXXX there is no mention of this debt, which is why I believe this debt is fraudulent or someone has possibly stolen my identity.
I sent a letter to XXXX and Convergent. I will also be filing a complaint with the Texas AG Office.
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2022, Convergent Outsourcing made a soft inquiry on my XXXX credit report without my authorization, permission and/or permissible purpose. I do not and have never had an account or any business with Convergent Outsourcing. Nor have I even given Convergent Outsourcing permission to obtain/pull my credit report in any manner, whether a hard or soft inquiry, Convergent Outsourcing had absolutely no permission nor authorization or permissible purporse to pull and/or obtain my credit report from XXXX or any other credit reporting agency/company. This is a clear violation of 15 U.S.Code 1681b and illegal.
|
| 08/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I filed a dispute using XXXX XXXX with sprint/ convergent outsourcing over 30 days ago with no response. I asked for original documents and valid dates and i have gotten nothing. I spoke to 2 different ppl today 1 could not find this debt using my social security number. Then hangs up I call back second time manager comes on and poof debt is found and according to them they have now located the information and have proof but never gave it to me. I would like to get this removed off my report. they did not fulfill my request in a timely manner nor have they provided any proof via email that they have on file.
|
| 08/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX sent me a collection letter on an account that was closed two years ago. The original company electric, XXXX XXXX went out of business and was transferred to another company. When the service was transferred, I had no balance. I have since moved and today I received the collection letter saying I owed XXXX. I contacted XXXX XXXX and they said they did n't know why a collection agency was contacting me as I had a XXXX balance. I know this seems like an insignificant amount but I use XXXX XXXX XXXX to finance my education and I can not have any type of collection or adverse credit marks on my report.
|
| 07/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Collection agency trying to collect a debt that was never owed. I left the company with a credit on my account and some how it was turned into the collection agency. I left XXXX back in XX/XX/XXXXwith a credit and multiple collection companies have tried to collect a debt not owed. I just sent a letter to a company last month in XX/XX/XXXX and asked them to not to sell to another company as it is not a debt. Included a copy of the credit invoice and they still sold it to Convergent. I would like them to cease and desist from sending me collection letters and selling this account to other collection agencies.
|
| 01/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the XXXX credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XXXX/XXXX/2017 they cashed the check that was sent to them.
|
| 08/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
The company has harassed me multiple times trying to press charges and take legal action the charges on my credit are incorrect my name is XXXX XXXX they saying XXXX XXXX they went against the credit act and they threating me Im honestly scared and want to get a lawyer theyre scaring me for something I didnt do In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 04/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My personal information was misappropriated by someone I didn't know, and many overdue bills were recorded on my credit report, resulting in a negative credit report for me.
The creditor and collection agencies, instead of showing me the original data package when the bill was created, only showed me the debt bill in the person 's name.
I sent a statement to the creditor 's rights company and the debt collection company to investigate, but it was not resolved. The creditor 's rights company continued to accept the business handled by the embezzler, and the overdue result was recorded in my credit report.
|
| 09/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 Convergent Outsourcing Inc. added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Convergent Outsourcing Inc. has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.
|
| 09/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am currently disputing a debt with Convergent XXXX and have asked the following company to provide me with documentation attesting they have documentation I am asking for, I have sent two letters to the company the first one was accepted by this company. The second one was " refused '' I sent it via certified mail and they refused to accept the incoming mail. I am reporting this because they should be accepting the mail I sent them and should give me the information I am requesting from them or say they in fact don't have this documentation but communicate with me not just reject the mail I sent to them.
|
| 09/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I sent two certified letters to CA for validation and they sent me a copy of a bill. And that according to the Fair Debt Collection Practices Act, I have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows consumers to request the debt collector to send proof of the debt through a process called debt validation.
A copy of a bill IS NOT proof of debt. I also stated they were violating my rights under the law put in place to protect consumers and I demand proof of this debt or delete it from my credit reports immediately.
|
| 04/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Original debt was to XXXX. After the debt went into collections, a company named " XXXX '' ( XXXX reference # XXXX ) contacted me to collect. I asked for debt validation, they were unable to do and removed the negative report from my credit report. A few months passed, now another agency " Convergent Outsourcing Inc '' is attempting to collect on the same exact debt which was previously removed. I asked for debt validation and all they sent me was an old bill from XXXX. How can they collect on a debt thats already been removed from another company? Is an old bill sufficient enough to prove debt validation?
|
| 04/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CONVERGENT OUTSOURCING Original creditor : XXXX Is reporting an account that is not mine. I have reached out and disputed this fraudulent account. XXXX removed this account, however XXXX has said its " verified. '' I then reached out to Convergent Outsourcing requesting all documentation they have on this fraudulent account so I can conduct my own investigation on who may have opened this account, when, and where. No information has been provided. If this account does exist, its a result of someone using my personal information, without my consent, and needs to be removed from my credit file immediately.
|
| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 Convergent Outsourcing Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 09/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been harassed by 3 different collection companies over the past 4 years for money owed for equipment that was returned to XXXX on XX/XX/2014. I have a written receipt from a XXXX representative showing the returned equipment. Each time I provide the receipt the collection agency stops and then I am contacted by a different collections agency for the same bill. Each time the collections shows up on my credit report and is damaging my rating. The most current company that is attempting to collect the amount is XXXX XXXX XXXX.I have notified this company as I have the others and again get no response.
|
| 08/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have had an active account and service with XXXX at my home for over five years. I have never been past due and my account has never been closed for any reason, including nonpayment. I am attaching my most current billing from XXXX showing my account has an active status and is indeed current. XXXX would not allow me to have an account if I had not paid. I am supposed to close on my family 's new house in the next couple of weeks. When this erroneous collection was posted to my credit, it made my score drop from XXXX to XXXX. Please remove this from my credit report ASAP as the amount is not owed by me.
|
| 07/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
i have continued to write XXXX XXXX XXXX XXXX XXXX and Convergent Outsourcing Inc., requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of Convergent agents, telling me that they are going to report me to the XXXX were I am employed.
|
| 12/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX is trying to illegally receive payments from me for monthly service that ceased on or about XXXX XXXX, on which date I was at least fully paid and may have been owed a refund. XXXX reps admitted XXXX XXXX I do NOT have the account or bill on which XXXX continues TO THIS DAY to try to collect a full fee monthly. I have audio recordings from my conversations with two different XXXX reps ordering cease-and-desist XXXX XXXX, after which XXXX sent two months ' worth of false " debt '' to a third-party debt collector, Convergent Outsourcing, which is threatening to ruin my outstanding credit history.
|
| 07/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
|
| 07/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 02/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XXXX has XXXX accounts in my name that were fraudulently created. I was working with their fraud department when they sent it to Convergent Outsourcing and refused to continue to work with me. The XXXX account number is XXXX for {$1200.00}. My id was stolen around the time this account was opened. Convergent says they will not even start a fraud investigation without a police report. But the Fair Credit Reporting Act does not require that I file a police report to report Fraud. They are in violation of federal law.
The smaller XXXX account is XXXX for {$360.00} dollars Your complaint number is : # XXXX
|
| 08/13/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had switched to XXXX phone service in XXXX ( from XXXX ) I had the service with many issues for approx XXXX days - I canceled it and went back to XXXX because i had such a bad experiece.
The XXXX that they say I owe is for hardware that was returned, I have the tracking number they gave me for the return of the hardware - along with the proof it was delivered back to them ( delivered/left at dock on XX/XX/25 @ XXXX via XXXX - XXXX XXXX XXXX ) and dates of service cancelation and also, the IMEI that I had on that phone ( returned phone ) is now on someone elses account. ; This bill is NOT LEGITIMATE.
|
| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights.
XXXX XXXX XXXX Account number XXXX Convergent Outsourcing / original creditor XXXX XXXX Account number XXXX I also have old addresses that is not removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX skippeXXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX There is a name XXXX XXXX that is clearly not me.
15 U.S.C. 1681 section 602 A States I have the right to privacy.
15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 08/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CONVERGENT OUTSOURCING contact me about a debt related to a gas bill ( XXXX XXXX ) I told the collection company that I already paid that bill directly to the main creditor. They kept calling me about it like over 10 times and every time I tell them its already paid. They reported my account as delinquent on ( XXXX- XXXX ) I disputed the debt through the web site of both of ( XXXX & XXXX ). XXXX fixed and deleted the debt but XXXX was not able to fix it, I disputed it again and they still unable to fix & delete it after I sent them my bank statement shows that I paid the debt to the main creditor.
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 12/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX and their collection company, Convergent Outsourcing continue to contact me regarding account XXXX with a balance of {$530.00}. This account does not belong to me ; it was opened as a result of identity theft. I have already contacted XXXX XXXX and Convergent Outsourcing, but this account still has not been removed from my credit report.
I never opened this account. The bill was sent to an address that I have never been affiliated with nor have I lived at the address. I have sent multiple copies of my ID theft affadavit and they still continue to harrass me about the debt that I do not owe.
|
| 03/12/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Older American |
|
Calls from convergent outsource saying give me credit card number. For XXXX For a XXXX debt. Or settle today for XXXX. I said I havent had XXXX for 12 years. They tried to confirm my email address and it was not or ever my email.
They asked for my ss number but I didnt comply. I told them they were a scam several times and the guy XXXX started cursing and saying they are a legit collection and if I didnt pay they would put it on my credit rating. He ended the call.
I called XXXX with my ss # and email address confirmed no acct has been active for 12 years and shows a XXXX balance.
Pls help XXXX XXXX
|
| 12/20/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
|
| 07/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received a letter today from " XXXX XXXX '' saying that I owe a debt to them, through XXXX, of {$620.00}.
That is frankly impossible, I currently have an active account with XXXX ( had it for years now ) which is auto-paid directly from my bank account every month.
I also check online to make sure everything goes through, I have never missed a payment. They'd bill me before sending it to collections, I have never heard about any debt or seen anything on my ( again, *active* ) account about any outstanding debts.
The debt mentioned in the letter from Convergent is obviously, and completely, false.
|
| 03/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX is a debt collection compnay who is collecting on the behalf of XXXX XXXX. They sent a letter in the mail to me on XXXX stating that I owe a debt of XXXX dollars to XXXX XXXX. They did not give me a chance to research this information or to respond to their letter. In fact the next week on XXXX they reported to the credit beaureu that I had a collection on my record. This negative remark on my credit report has hendered me from being approved for a mortgage and damaged my credit score. I was not aware of this debt and I was not given enough information to verify the debt is even really mine.
|
| 01/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I located a fraudulent account in my credit report for {$200.00} from Convergent Outsourcing. In the report it claims the account was opened XX/XX/19. I contacted them and Convergent explained it was a account XXXX account . I contacted the company and have sent an affidavit of fraud, copy of my XXXX XXXX bank and my id that proves the my address does not match the fraudulent account. They have refused to assist and have lost my papers 3 times! I need this account to be removed. If I had opened the account I would have paid it. I have XXXX credit score and wont mess it up for a stupid {$200.00} bill.
|
| 08/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Filed dispute with convergent outsourcing on XX/XX/2020.requested verification under the FDCPA.the following verification requested were as follows : 1.proof that I either owned or were assigned this debt from the creditors.
2.proof that you have the right to collect this debt in my state.
3.proof that your company carries a bond.
4.proof on how your company assessed the outstanding debt.
5.payment history from the original creditor.
6.name and address from the original creditor.
7.copy of the contract bearing my authentic signature.
35 days has past and I have not received any correspondence.
|
| 07/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have written and sent 3 validation letters to XXXX XXXX to validate a debt owed. Starting XX/XX/18 ( 1st letter ), around XX/XX/18 ( 2nd letter ), and XX/XX/18 ( 3rd letter ). The 1st letter they did not send the information requested just a printout which stated not to send a printout, the 2nd letter there was no response, and the 3rd the same printout. They continue to not validate the debt with a contract and my signature stating I owe this bill. It has compromised my credit worthiness due to this false and incorrect account on my credit report. It has also harmed me getting new lines of credit.
|
| 12/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got a notification from XXXX that CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Grid Code G ( Collections ) Balance Date XX/XX/2019 Balance {$1200.00} Was trying to collect the amount listed above this creditor placed a derogatory mark on my credit file with no prior communication to even validate if the collection was mine which it is not i have filed a dispute and am waiting for results from XXXX No collection agency should ever replace any derogatory marks on anyones credit file without first validating the death especially if it does not belong to the individual
|
| 01/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I requested for XXXX XXXX XXXX to validate NOT verify a debt that they are attempting to collect from me. They provided me with billing statements from another company which does not validate that I am obligated to pay anything to the above company. I do not have a signed contract between myself and XXXX XXXX XXXX and I have not given the above company the consent to contact me in regards to my account. They have reported incorrect delinquent information to the credit bureaus. The debt owned to this company is not valid and therefore I am requesting for this debt to be removed from my credit report.
|
| 07/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
When we moved from XXXX XXXX to an area oXXXX XXXX XXXX, OK XXXX XXXX was not yet available in that area ( this was 2017 ). We returned the box to a XXXX XXXX however, they put this on our credit report stating they didn't receive it. I have been told this is a standard practice for XXXX XXXX. This collection goes back 5 years yet is showing as a current collection and is being reported falsely. I had several conversations with XXXX regarding this in 2017, but they said I didn't return the equipment and I know I did. They don't give you a receipt when it's returned so you trust them to be honest.
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
I badly need your help on this matter.
|
| 11/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 03/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible. It has been more than 5 months and I have never been given any information of the results of my request. I don't recall informations and I have never given permission to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
|
| 12/20/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This month which is XX/XX/2020, I received a letter in the mail from Convergent Outsourcing stating I owed a debt of XXXX. First off I never heard of a company named XXXX XXXX XXXX. When I googled company it stated it was a Car Finance company and I never ever had, nor held an account with the company. This alleged debt is about to be placed on my credit report because Convergent Outsourcing thinks this alleged debt is mine. Unless they have proof that this alleged debt is mine, this alleged debt shouldn't not be placed on my credit report. I'm attaching a Debt Validation Letter to this complaint.
|
| 03/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX says I opened some account for XXXX dollars on XX/XX/22. Ive XXXX XXXX XXXX for 10 years I never opened any account with XXXX. Im confused as to where this is coming from and I disputed the collection. But it came back the infor was accurate which is 100 % false so I would like this looked into further because I am totally getting scammed on whatever this collection could be considering {$6100.00} dollars for any mobile or any cable is just absurd and definitely was never agreed soon by me. I would like to see what copy or contract they are claiming I signed stating or agreeing to this.
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 Convergent Outsourcing, Inc. sent a collection letter to me for a debt. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA Convergent Outsourcing , Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 12/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. Immediately I filed a Police report and notified the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. I, recently received a letter from a collection name : CONVERGENT OUTSOURCING INC, they are trying to collect an alleged debt with XXXX, alleged account # XXXX, alleged balance of {$750.00}. This account does not belong to me. Please note that I am also sending a copy of a Police report that I filed months ago regarding an identity theft issue.
|
| 07/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX came out to the house to get new service but unsuccessful because there is/ was no land line to my house. All equipment that technician left and was never connected returned to the store. I have receipt. No connection available to my neighborhood. They charged me for services never rendered, never had internet or cable with them. I went to their store to dispute charges. They gave me credit. I have receipts. Communication between store and billing was never accomplished. Bill went to collections agency!!! Not fair it ruined my credit. I attempted several times at XXXX store. This is fraud!!!
|
| 11/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I believe they are calling regarding a utility bill which I am paying directly to the utility company in payments as I cant afford them. When they called I have asked them to stop calling, then when I answer they hang up in my face.
Calls are as follows 2021 : XX/XX/XXXX XXXX XXXX I answer and they hung up XX/XX/XXXX XXXX XXXX told them to stop calling XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I asked them to stop calling XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I asked them to stop calling XX/XX/XXXX XXXX XXXX
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received the most recent debt collection letter for XXXX XXXX XXXX today, XX/XX/XXXX. It came from a company called Convergent. This is the 5th Collection company that XXXX XXXX has sold this debt to. I do not owe this debt and it has been successfully disputed and removed from my credit report 3 times. The most recent being in 2020. I receive harrassing calls from Covergent for them and they are continuously hurting my credit score. I do not know who XXXX XXXX is and when Iasked for proof from them in XXXX, they could not provide any documentation. I am pretty sure that this is a credit scam.
|
| 08/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX, I received notification from XXXX XXXX XXXXXXXX For a debt I had no knowledge of from XXXX XXXX XXXX from an account that I learned from calling XXXX XXXX that was closed out 8 years ago and know just learning that i owe money to them. My question is doesn't this fall under the statue of limitation of 4 to 6 years to collect, also this is the first time I'm hearing about this after receiving my mail Saturday XX/XX/XXXX of 2018 which contained this noticiatation letter stating that I owe only 8 year after the fact they closed out my account with XXXX XXXX in XXXX XXXX XXXX
|
| 11/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This account is reporting on my credit and i have no idea of this balance being owed as I have not owned a XXXX account. I have been a victim of Identity Theft in 2012 and over the past 24 months I have come across accounts opened and reporting negatively on my credit that were not opened by myself. I have repeatedly requested verification for the account but this company has failed to conform and supply me with information to validate or disprove the account. I ask for assistance and re request full details of how this account was opened ; where and what identification was used for its opening.
|
| 05/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've tried disputing this debt with XXXX XXXX as well as XXXX because the debt is not mine. My identity was used to obtain a phone line that I did not request and I do not know the year this was originally opened because it is not displayed properly on my credit report. I've been on a Family members phone line and for a long time and do not have my own XXXX Account and never did. My Social Security Number & Identity has been stolen and used in the past. I even have a freeze on my credit as well as a Fraud Alert because of this and trying to remove this debt has been hard because it is not mine.
|
| 06/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent out multiple validation letters asking for prompt response and documentation with my signature, right to collect debt, license to collect debt in order to make an informed decision on whether this debt is mine. Convergent Outsourcing, Inc never provided any of requested info. XXXX didn't do a proper investigation. They basically verified this debt based information in their system.
Letter sent to Convergent Outsourcing, Inc on XX/XX/2021 and XX/XX/2021. Phone conversation with XXXX representative on XX/XX/2021. XXXX verified a collection without the collection agency validing the debt.
|
| 08/01/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a collection notice from Convergent trying to collect a debt of XXXX . When I contacted them to find out what the debt was for I was told it was on a XXXX XXXX for a purchase in XXXX at XXXX XXXX XXXX . I was told last payment was made XX/XX/XXXX . Have never received any notices on this debt & have no idea about this charge. Ca n't believe they waited 12 years. Convergent received info from XXXX in XXXX & has just now sent out the notice to me. Have no documentation since I have no idea about this charge. I never received any notices to even dispute the charge.
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XXXX XXXX Convergent Outsourci add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred and sold and I'm no longer responsible for the account. Debtors creditors did no verify this collection. Also there wasn't no writing form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the fcra Convergent Outsourci has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 05/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collection account from Convergent Outsourcing has been placed on my credit reports. It reflects XXXX XXXX XXXX is the original creditor, it states the account was placed on my credit report between XX/XX/2019, and XX/XX/2019. It shows this account was opened on XX/XX/2019. I did not open an account with either company on XX/XX/2019, and I dont have an account with XXXX XXXX XXXX and have no knowledge of this account.
I did not receive prior information from either company prior to this being placed on my credit reports ; otherwise, I would have immediately disputed the erroneous account.
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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XXXX said i owed them money but I didn't because XXXX XXXX XXXX was suppose to send them money for a buyout program and XXXX XXXX XXXX never did sent money or phones that I turned into them for the biyout program and they never sent any money to me and they said they did but I got any money from them so XXXX put the agaist me and turned me into collection and it went on my credit report well I pay them in full {$1200.00} witch I should have never been responsable to pay that fee but im trying to buy a house and i need this deleted from my credit report. So can you help me get this done.
.
|
| 12/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
My husband died in XXXX 2016 and in XXXX I closed the XXXX account which provided internet, TV an phone services. I was ill and not living in the location where the services were provided. I was asked to send back the routers. I requested that the prepaid carton for the routers be sent to my daughter. The carton was received by her and she went to my apartment and put the routers in the carton and sent the carton back to XXXX. XXXX is charging me for the routers. {$460.00}. However the routers were returned and so I do not owe that money. All other billing from XXXX on that account was paid.
|
| 04/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We received a bill on XX/XX/2021, from the Convergent Outsourcing , Inc. debt collection company for debt owed to XXXX. I have never subscribed to any XXXX services in my life. I tried calling them and they did mention that the bill was associated with a XXXX XXXX that lived in Virginia but when I told them that was not me, they did not immediately drop the claim. They wanted me to fill out an online form that asked me to give them my drivers license number and full social security number. I do not feel safe doing this. The bill is for {$770.00}.
Client Acct. # XXXX Convergent Acct # XXXX
|
| 07/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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In XXXX of XXXX i closed my XXXX XXXX service and i also turned in equipment used. On XX/XX/XXXX I received mail and phone calls stating i owed on the account. I asked for verification by mail on XX/XX/XXXX ; I never received a reply from Convergent Outsourcing about the collection. I disputed the collection with all three credit reporting agencies numerous times. On XX/XX/XXXX I requested another verification of the account and was mailed a bill with a date in XX/XX/XXXX after i paid and closed the account. The bill that was sent had no description of charges, only a total due and my name.
|
| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This company put a bad collection debt on my credit report. This same debt was deleted from my XXXX & XXXX report because of false reporting information from a different previous collection agency that placed it as a collection on my credit report. The original creditor ( XXXX ) doesnt even show on my report anymore because the debt is so old. I never received a debt collection notice from this company because I would have disputed it a lot sooner. This is a bad debt & I want it removed from my XXXX report through the dispute I filed with them. They violated FDCPA laws.
|
| 04/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
Upon switching cell carriers from XXXX to XXXX, I received a notice from Convergent Outsourcing, stating my account was in collection and that I needed to pay the balance right away. I received this notice on the exact same day ( XXXX ) that I received a final bill from XXXX. When I called, the Convergent agent stated my account was in collections. This final bill is less than two weeks old. I feel this is deliberate misrepresentation of the status of the balance owed XXXX, and representative of an attempt to frighten consumers into believing they have been " turned over '' to collections.
|
| 08/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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I canceled my XXXX account in XXXX 2014 and just yesterday received a letter from Convergent Outsourcing located in XXXX, WA, saying that I owe {$130.00}. I contacted XXXX and they told me that they do n't have any record of me owing any money and my account balance is $ XXXX..I spoke with XXXX XXXX over at Convergent and she was extremely rude like I was inconveniencing her for asking questions and told me that she 'd send it back to XXXX as a dispute and when I asked how i 'd be informed about what 's going to happen, she said that I just would n't get anything else in the mail about it.
|
| 06/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I check my credit almost every day. I received a notice from XXXX that I had a collection. I have disputed with XXXX and I did call the company. They stated they dont have an address and they sent an email in XXXX to an email that is not mine and that I do not have. They did not try to call. I did not receive a notice stating to validate the debt or it will be added to the credit report. I received no notice about this debt and I want it removed immediately. The company is CONVERGENT OUTSOURCING and that amount is XXXX. It shows opened as of XXXX. I have not received a call or anything.
|
| 04/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting a complaint about several collection agency that is continuously reporting false information on my credit report. I have tried reaching out to the creditors and the credit bureaus several times, I have also disputed the inaccurate debt with the credit bureaus. The collection agency do not have the proper paperwork that this debt is mine and/or that the debt has been paid off. The collection agency Convergent Outsourcing inc that states I owe XXXX $ XXXXThis reporting is not accurate this was paid in full and/or I returned cell phone to XXXX by mail in lieu of paid in full.
|
| 06/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
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|
Web |
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The aforementioned credit agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX , XXXX , and XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Convergent Outsourcing does not have any documentation, they need to remove this from my credit file immediately.
|
| 08/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Convergent Outsourcing Inc never sent me anything in writing concerning a debt from XXXX. Furthermore they have been calling me numerous times on my personal mobile from a local number ( XXXX ) and they are located in Washington. I spoke with a representative and she informed me that the amount that Convergent Outsourcing was charging me an additional collection fee because my account was sent to collection. Lastly the representative express that they have a random automatic dialing system that calls me numerous times a day from a local number to increase the chances of speaking with me.
|
| 01/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive been trying to talk to the company related to the collection and they understands that it was not my account that the collection is connected to. Ive never owned an account from XXXX and stated that multiple times to XXXX as well as XXXX. All the other Credit Bureaus were able to understand that the account is faulty and isnt my account which resulted in it being removed from my account, but XXXX will not remove after Ive stated multiple times that it isnt mine.the collection is {$150.00}. Ive attached my phone company that Ive had for years. I have never owned a XXXX XXXX product
|
| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I got an email over the weekend XXXX that I had negative on my credit report. I looked it up and southwest credit system said I owed XXXX. I called them this morning XXXX spoke with a lady and she said it's in collection for water bill. I advised I've never lived in XXXX I've lived in XXXX for 38 years. My entire life. She said I needed to file a report and send copy and I'd to them.
Also a company called convergent outsourcing is on my credit for XXXX out of XXXX. I've never lived there nor gave anyone permission to use my information. This is also on my credit My last 4 of s.s. XXXX
|
| 09/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The company XXXX has put my debt In collections. I open it XX/XX/2019 & paid off any debt i owed. This new debt that is in collection I have no knowledge of. I left the company with everything paid off. Now I have a negative balance under my credit & I cant open any phone line. Im going through financial stress because of this & need it remove. I dispute the issue at-least once a month with no solution. I want to fix this issue as soon as possible. The amount is {$1500.00}. The collection agency the debt is in is called consumer outsourcing inc. this is very unfair & is a billing error.
|
| 01/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I sent a debt validation letter approximately 30 days prior to receiving a response via USPS from XXXX XXXX.
They claim I owe a debt to XXXX for {$470.00} In response to my debt validation letter, they responded with a copy of a past due bill from XXXX.
This information is incorrect. I waited until my time period has expired for the early termination fee and confirmed this with XXXX. In addition, all bills were paid and nothing was due.
This was removed from my credit report before when a different company was reporting it and now it 's coming back around again when it 's invalid.
|
| 01/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I filed bankruptcy XX/XX/XXXX listing XXXX as a creditor whom failed to show for the hearing. I also disputed this debt on my credit report with XXXX and it was removed only to now be relisted as of XX/XX/XXXX. This is a violation to myself and under the Consumer debt relief act under the Federal Law. I want this to be removed as I am asking in good faith that Convergent Outsourcing Inc . Attempting to deface my attempt to move on and get my credit back on track to keep from having to file a legal suit that they would place this back on my credit with a new debtors date for an old debt.
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
|
| 12/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Convergent outsourcing was paid on a pay for deletion basis on a former XXXX account. The representative of convergent outsourcing was recorded and was informed she was being recorded when she, as a representative of Convergent Outsourcing agreed to delete this negative information from my credit file. The account shows paid but Convergent Outsourcing shows a late payment of one month to impact my credit score in a malicious manner. I wish to pursue any and all avenues to ensure these blood suckers and others like them are held accountable. I am held to my word, why shouldnt they be?
|
| 07/31/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Hi - I have raised a concerned with XXXX about my issue that the offer was not service as expected.
therefore i have raised a case # XXXX on XX/XX/2019 with XXXX and till date there is nothing happened.
I was offered buy a phone and get a phone deal from sprint and when i availed the service from sprint .... even post 60 days i did not get the offere from XXXX.
When i called XXXX for help, they took the case, no action made on that .... upon several calls, they confirmed that there is no offer exist ....
mainly the reason for me to go XXXX was the offer only ...
XXXX case XXXX
|
| 12/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
We had XXXX as our carrier in XXXX and XXXX. We had no issue with service but in XXXX of XXXX we moved to XXXX XXXX, XXXX. We had a very bad signal and could not even activate a hot spot it was so bad. People in the area and at the XXXX local office itself says it is a known issue. We had to switch carriers because we could not get service and XXXX still is attempting to collect cancellation charges through Convergent. A collections item has now appeared on my credit report and is very damaging to my score. I should NOT have to pay an early cancellation for a service I can NOT receive!
|
| 06/03/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have started receiving phone calls from Convergent Healthcare Recoveries. They are trying to collect on a false debt. First of all they call and ask for XXXX XXXX. I have not used the last name XXXX for well over 10 years. That was my ex married name. They say that I owe a medical bill for 2013 while I have been in XXXX, Tn. During the time that they say I owe this bill I was working for XXXX. I had XXXX XXXX XXXX XXXX insurance with a group plan that covered me 100 %. I have researched this company online and there are numerous complaints against them for false collection practices.
|
| 07/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
i received a SETTLEMENT OFFER FROM CONVERGENT OUTSCOUCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX CONVERGENT ACCOUNT XXXX AMOUNT XXXX OFFERING SETTLEMENT XXXX SPOKE WITH REP WHEN I ASKED FOR WHAT ADDRESS THEY ARE SHOWING SHE STATED ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I EXPLAINED TO REP I FILED AN IDENTITY THEFT AFFIDAVIT AND A POLICE REPORT WIHT XXXX POLICE XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ON XXXX THE REP AT COLLECTION AGENCY SAID SHE WAS SENDING ME A FRAUD ALERT PACKET I ALSO CONTACT XXXX ANS XXXX THEY DONT SEE THIS ANYWHERE ON MY CREDIT REPORT
|
| 02/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Convergent Outsourcing Inc and XXXX XXXXXXXX XXXX are trying to collect on a debt which I have had not account with XXXX XXXX for over 14 years The last account with XXXX was 15 years ago and the Statute of Limitation would have expired over a decade ago.
I have .not procured any credit with XXXX XXXX and I demand that this frivolous activity cease immediately and any attempt to collect on a expired debt is highly damaging to my financial standing and wherewithal.
I demand an immediate Cease and Desist from the above creditors. The accounts are XXXX and Convergent account # XXXX.
|
| 10/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I retained a copy of my credit report and saw a derogatory mark for a collection in the sum of {$1700.00} from XXXX XXXX representing XXXX. I sent a formal letter to XXXX XXXX disputing the collection and requesting " validation '' ; that is competent evidence bearing my signature on a contract.
XXXX XXXX failed to provided me with a copy of any alleged contract or viable evidence, bearing my signature, showing the account is being reported accurately.
I stated in my letter the debt is inaccurate and failure to " validate '' should result in deletion of debt on my credit reports.
|
| 09/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I 've attempted to work this debt out with my insurance company, they have stated that since XXXX did n't submit properly, they could not back date a payment from more than 2 years ago. I 've spoken with the collection agency, and ca n't get anywhere with them, and XXXX just violates the Hipaa act by sending pertinent medical information to the collection agency and then pretending like it 's not a big deal. Numerous phone calls, and nothing. The medical debt should have been billed correctly to my insurance in the first place and it would have never gotten to the point it 's at now.
|
| 03/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account was opened fraudulently. I have submitted all documentation notarized, Including identity theft report, police reports, and dispute packet from this agency. I don't understand how can you prove an account belongs to me that I never opened. As a result this is my attempt to have this debt remove before I pursue legal action. This is clear violation of the law. I have all documentation and correspondences between me and this creditor. I also have documentation for third parties where I have receive several letters that my information was included in several data breaches.
|
| 10/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have been harrassed by Convergent by phone calls from multiple numbers after telling them I have not been employed for almost 4 months and haven't been approved for unemployment benefits since the XXXX of XXXX and that I would contact them when I would be able to set up any type of payment arrangements. They will not leave a voicemail stating the company 's name and to in which why they were calling. I have blocked many numbers due to the many multiple calls from varying numbers. I am not satisfied with the manner in which they conduct their business. This is blatent harassment!!
|
| 07/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have lived in California since XX/XX/XXXX . There was an account opened for XXXX under my name in XX/XX/XXXX f rom Florida, which I did not authorize. XXXX reported the account to XXXX credit bureaus and then sold the collection to convergent outsourcing. I have disputed this with the collection agency and filed a victim 's identity theft report with the police. I also faxed my report and letter of dispute along with a request to delete any information regarding this account with the credit reporting agencies, but, the account fraudulently remains on my credit reports.
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This collection is agency is attempting to collect a debt that is not valid nor is it owed. I have spoken to the original creditor ( XXXX ) and I was never notified of this debt nor have I received any correspondence in reference to it. I still have the XXXX account and the monthly balance due is not even equivalent to this so call debt.I have filed disputes with all XXXX credit bureaus and the collection account remains on my reports and is impacting my ability to obtain a mortgage. Neither XXXX nor the collection agency has provided me with any information regarding this account.
|
| 12/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have received a collection letter because the XXXXXXXX XXXX in XXXX, Georgia, failed to properly close my account despite my in-person request and confirmation it was officially closed. I went to the branch located in XXXX grocery store on XX/XX/15 to close the account, reported the debit card lost and brought my account balance to XXXX. Weeks later, I received a letter my account was overdrawn. I called customer service to find out my account was not closed, and the debit card was still active. The collection letter is from Convergent Outsourcing requesting a debt I do not owe.
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
A collection account was reported from Convergent Outsourcing on XX/XX/2021 for {$1300.00}. I spoke with Convergent Outsourcing and was told that if I paid the account even if it was paid in settlement that once there was a XXXX balance, the collection would be deleted. I agreed to a settlement amount of {$1000.00} and paid off the account on XX/XX/2021. I have tried contacting them numerous times to have the collection deleted from my credit and they have not removed it. I went through XXXX to dispute the account and request it to be removed as agreed to no avail on XX/XX/2021.
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2020, CONVERGENT OUTSOURCI add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCI has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 09/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I closed an account with XXXX several years ago. They attempted to bill for a device that was not revieced quick enough. I resolved the issue with XXXX management but the account was still turned over to collections. The first collections company contacted XXXX after I made them aware of the full situation. They removed the account from my credit immediately. It has since then been passed on to several different collections companies who all contact me and place the account on my credit report. The latest company refuses to remove it or to contact XXXX for the correct information.
|
| 03/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX, XXXX has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with XXXX XXXX XXXX XXXX . The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, XXXX XXXX XXXX XXXX is practicing UNJUST ENRICHMENT.
|
| 09/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX has contracted with several debt collection companies. Each of these debt collection companies are contacting me for the same debt. The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request each of these companies to stop contacting me. I also request to delete these entires from my credit report as the are in efforts to bully me with the same debt. The same debt is listed numerous times on my credit report with different credit bureaus. The companies are operating under Several different names, hence its difficult to determine who I 'm actually dealing with.
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 08/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Upon paying the debt owed to XXXX/Convergent outsourcing, I was told that the debt would be removed during a phone call on XX/XX/2021. I was also told that I would receive an email verification of this. The email was never sent. I called XXXX/convergent outsourcing on XX/XX/2021 and was told that I would receive an email verifying that the debt was paid. The only thing that was updated by XXXX/convergent outsourcing was that the debt was paid in full. Although it was paid in full, it still shows up as a collection on my credit report which is affecting my credit score negatively.
|
| 11/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
This Company Convergent Outsourcing Inc. Claims that I owe then {$760.00} for a service from XXXX XXXX I contact XXXX and they telling me that I am not owe then any money I used to have my internet service with then but moved to XXXX XX/XX/XXXX and XXXX dont have service here so Since I dint have contrat with then I closed the account returns the equipment more than 3 years ago then Convergent Outsourcing star collection and threatening to damage my credit I have talked to many people and they never send me an ink copy of the contract they said I have fail to keep with XX/XX/XXXX
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| 08/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Collection account appeared on personal credit report for the first time on XX/XX/XXXX from a business called XXXX XXXX XXXX apparently a collection agency attempting to collect on a {$190.00} debt owed to a utility company. I notified them that I have never not paid a utility bill of any kind and they stated that they do n't need to provide validation of any debt beyond 30 days and this debt was assigned to them back in XX/XX/XXXX. However, I never received any notice from them relative to any debt allegedly owed. They refuse to remove this erroneous item from my credit history.
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| 01/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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They are trying to collect on a phone bill I do not owe! They tried to charge me for canceling phone service! My contract was up but they charged me a cancellation fee! It says that there is no cancellation fees if you stay for the whole two year contract! I never renewed my contract after it was up therfore I do n't owe them a cancellation fee since my contract was up. Plus they tried to make me pay for a month 's phone bill even though I cancelled the month before! And this has been more than 12 years since this happened. Staute is up on this and they need to stop harrasing me!
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| 12/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
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Web |
Servicemember |
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Long time XXXX customer. Always paid my bills on time. When I transferred my service to another provider, I waited to pay on the last bill as I knew I would get a final bill and I only wanted to pay once.
Not only did they charge me for an entire month even though I did n't use the full month, the worst thing is I got a letter from a collection agency BEFORE I even got the final bill.
They did not call me, They did not warn me. They sent it to a collection agency when it was & lt ; 2 weeks late and they sent it to a collection agency before I even got a XXXX bill or XXXX notice
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| 11/23/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
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XXXX XXXX representing Convergent Outsourcing called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.
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| 01/04/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number.
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| 09/05/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After checking My credit report in mid 2018, I noticed that convergent outsourcing had a negative mark on my credit report for a XXXX cell phone bill. Convergent never initiated contact with me either by phone email or regular postal mail. After checking my credit file I spoke to convergent outsourcing. They told me That as long as I paid the bill in full by a certain date that all negative marks on or credit reporting agency credit files will be completely deleted. They deleted the file from one credit reporting agency credit file, however they failed to delete from the others.
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| 12/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American, Servicemember |
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Called my home on a false debt. Debt was incurred either by identity theft or fraud, I dont which. The debt was incurred over 27 years ago according to the Convergent agent. I was not informed about the place of the original debt nor of the company name. Convergent has not released the address nor location of the person receiving the loan or service.
I am XXXX XXXX XXXX and my XXXX XXXX XXXX, but during that time ALL my bills were paid on time with no delinquencies. I XXXX XXXX XXXXXXXX XXXX XXXX and had less than 6 days a year at home for personal time off from XXXX to XXXX.
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| 04/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2020 spoke to representative XXXX XXXX in regards to the convergent account # XXXX. I settled the XXXX debt of {$420.00} with an agreed upon reduced payment of {$210.00}.
This representative told me the collection would no longer report on my credit reports. This is affecting my credit score and my credit worthiness. I have asked this company multiple time to handle this issue and take the account off my report. It is still reporting as a negative on my credit reports.
I am asking this be taken off my credit report in FULL as agreed upon by Convergent Outsourcing.
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| 12/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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On XXXX XXXX, 2020, CONVERGENT OUTSOURCING add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
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| 10/10/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have sent convergent multiple letters I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Convergent has sent me a billing statement showing a balance of XXXX when the credit report shows XXXX this is inaccurate information therefore i am requesting validation of this debt bearing my signature
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| 06/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
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On Friday XX/XX/2019 Convergent Outsourcing Inc contacted my father about an alleged debt with XXXX XXXX. They told my father details about this debt including amount owed. I never gave Convergent permission to speak about this debt to anyone. My FDCPA rights have been violated. I previously had written to them to verify this debt before this occurrence. I still have not received this verification. When I spoke to them on XX/XX/19 I also verbally told them that I would like this debt verified and last time I spoke to somebody about this debt I had also asked them to verify it.
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| 03/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I received a bonus check from work XX/XX/2013 for {$280.00}. Right after I opened the check I received a phone call from the collection agency stating that they would settle right now with a money order for the amount of {$280.00}. I went to the Bank, cashed the check, went to the Post Office and mailed it to them that same day. It was paid and has not been on my credit report. Since then I have purchased two properties and two vehicles and have a credit score of close to 800.
This is ridiculous for this matter that has been paid 5 years ago to come up again after I paid it.
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| 11/23/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2017. This company 's action is not federally backed. This company is trying to collect a debt that is past the 4-year statute of limitation which definitely has already expired. Also in the letter they sent, there is nothing stating that the debt can not be sued over. These definitely are violations of FDCPA. Collection agencies are obligated to state this in their correspondence. I am also sending this company a letter to demand them to cease and desist any collection activity including reporting to the credit bureaus.
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| 02/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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An amount of {$310.00} was previously disputed in XXXX 2016 with XXXX. XXXX deleted the account from my credit report and stopped collections. I transferred my XXXX phone account to my wife 's account so there was no money due. I recently noticed a collection account was placed onto my credit bureau files without my knowledge and without every receiving a letter from the debt collector in order to give me ample time to dispute the validity of the debt. They just placed it onto my credit without first attempting to communicate with me via mail. It is affecting my credit report.
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| 04/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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To whom this may concern I am tired of the debt on my credit profile ESPECIALLY since this debt is not mine. Ive been trying to deal with this debt for over 2 years now its becoming a problem. I noticed this debt around XX/XX/ and I took action immediately. Ive asked this company to show me proof of this debt and they did not follow through. This debt does not belong to me and I need this deleted ASAP! I also want the original contract and a copy of my wet signature. If this does not get deleted I will take legal action. I never had sprint and you have to delete this account.
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| 07/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Convergent Outsourcing, Inc. claims that I owe {$550.00} for XXXX XXXX XXXX XXXX XXXX. I have not received any documentation from the original creditor that proves I owe this amount. I have not lived in XXXX for over 3 years. I believe this amount is inflated. I have written to them to ask for proof of documentation and to cease any communication with me about this debt. This debt collector recently called me to harass me about this incorrect amount. I will complain about them to the Attorney General of XXXX if they do not cease collections and take it off my credit report.
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| 09/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Paid off XXXX XXXX on XX/XX/XXXX, which went to XXXX XXXX in the amount of {$980.00}. Account number for Convergent is # XXXX. XXXX XXXX account number is # XXXX. They refuse to remove this from my credit as they agreed to do so!
Now apparently there was another account with XXXX I had no knowledge of which doesnt list the account number from XX/XX/XXXX which went to collections with XXXX XXXX ph # XXXX. I paid on XX/XX/XXXX, what they asked {$380.00} and they refuse to remove it from my credit. Conf # XXXX I have submitted proof on the disputes and they are not cooperating!
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| 10/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX is not only trying to collect a debt that I do not owe, but who they are claiming is the original debtor ( XXXX XXXX ) is a company whose services are not even available to me at the location where I have lived for over five years. I moved to Washington State over five years ago in XXXX of 2012. In addition to this fraudulent attempt to collect a debt I do not owe, this company has posted a derogatory remark regarding this fraudulent debt to my XXXX Credit Report that has harmed my credit score.
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| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
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Web |
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I switched cell phone carriers from XXXX to XXXX XXXX XXXX and prior to switching I was to pay my balance in fill in which I did. After being with XXXX XXXX XXXX I went to finance a phone through their sales department when when doing so they showed I have a balance with XXXX, Ive attended to contact XXXX multiple and I am told they can not help me because on their side it does not show an outstanding balance. Im at the end with dealing with these people and have gotten nowhere.
On my credit report it shows in collections a total of {$850.00} for ( convergent outsourcing )
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| 11/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I received mutilply calls from a collection agency I answered and was told this is attempt to collect debt I advise I would no longer want to receive calls from this company contact me through mail only and I need a validation letter of debt sent to my current address I havent received the letter nor have the calls stopped the debt is still on my credit report negatively impacting me and slowing down my house search progress in such a hard time with my lease end date approaching and pandemic rising in my area I need this to be remove immediately! Thanks so much for your help
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have repeatedly disputed the CONVERGENT OUTSOURCING attempted debt collection of {$310.00} on a XXXX XXXX account. This collection is from a XXXX XXXX account that was paid in full upon termination of service. The final bill in the amount of {$160.00} was paid through XXXX XXXX online bill payment via EFT on XX/XX/2018, which was received by XXXX XXXX on XX/XX/2018. This debt is due to a clerical error by XXXX XXXX failing to apply the final payment to the account. The account was then sent to collections with heavily inflated fees which brought the amount to {$310.00}.
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| 06/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Convergent Outsourcing is reporting this collection, in the amount of {$2100.00}, as an Open Account which is not under FCRA compliance. This inaccurate reporting needs to be removed immediately and permanently. In addition, on XX/XX/2022 I submitted a complaint regarding XXXX XXXX reporting that this debt was for the same amount as the original creditor which was deleted.
This inaccurate collection must be deleted immediately and permanently! This is the second time this creditor has destroyed my livelihood for my family. Please give your attention to this urgent matter.
|
| 06/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I sent a dispute letter to XXXX, XXXX, and XXXX.
The company insist on a debt for a cable service and box and I have had 0 contact with XXXX or XXXX in almost a decade.
Any items in question were delivered back to them and any payments due were made timely and XXXX out.
Neither XXXX or XXXX can validate a debt and neither has provided any payment history or debt activity since earlier this decade.
The false reporting is harming my credit score and I have had no contct with anyone in more than 7 years.
I have'nt lived at the address where I had XXXX since 2008.
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| 10/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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On XX/XX/2020, I sent a certified letter to the three bureaus and XXXX XXXX ( Convergent Outsourcing ) requesting that this account be validated and received no responses.
On XX/XX/2020, I sent another certified letter to the three bureaus and XXXX XXXX, and received no responses once again.
I do not owe anything to XXXX XXXX cause I have XXXX XXXX today and the bill is paid on time, yet the three bureaus are reporting two different accounts in my name with two different amounts. Account number # XXXX for the amount of {$1000.00} and {$69.00}. I do not owe these amounts.
|
| 09/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I sent convergent outsourcing a certified letter on XX/XX/2020 which they received on XX/XX/2020 asking for proof of this debt, I have never had XXXX, I have been with XXXX XXXX for as long as I have had a phone and can provide proof, so I know this is not my debt. I would like to see verifiable proof such as a signature, contract, or drivers license so that I can get to the bottom of this problem but they will not respond but yet continues to post this debt on my credit report, I would like to see verifiable proof or for this fraudulent debt removed from my credit report.
|
| 02/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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On XX/XX/19, I received a letter from this debt collector about a bill that is not mine. My wife called the company and gave account number and name of the collection notice and representative for debt collector asked for my last 4 digits of my social and she refused ; stating that she had already verified by supplying account number and name. The representative stated he needed his social security number, he refused to look up account number. I do not owe this debt and believe it is fraud. I have no knowledge of this account nor never received any bills from this company.
|
| 08/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I've tried to get it resolved, I never even open up a XXXX account in XX/XX/2010. So, when I reached out to the collection agency for validation, they sent me bills and said this is the verification. I told them that it is incorrect that, I never had a phone account just only prepaid with XXXX XXXX at the time. I was asking for validation to see a verifiable, validation of proof as in Consumer Contract with a wet-ink Signature on it, of the account listed above, Ive also explain to them how it goes against fcra. This wouldn't be the first time that, my identity was stolen.
|
| 02/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX did not send a collection notice before reporting to the creidit bureaus.They reported to the crdit bureau on XXXX XXXX and then sent a notice on XXXX XXXX.
Several attempts were made to have the information on my credit report validated and corrected but the agent at XXXX XXXX XXXX refused to provide validation of the account an refused to correct any erroneous or outdated information. The name of the agent was XXXX XXXX ( lead supervisor ). In addition, several messages were left with XXXX XXXX but she never returned the call. XXXX XXXX is a senior executive.
|
| 04/28/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
|
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This company claims I took out a payday loan. I never took out a payday loan. I told the lady on the phone it was fraud, she hung up on me. I asked to get a copy of the bill. She refused. I was threatened with jail time and exorbitant court costs. I told this company to cease and desist they call 20 to 40 times a day. I have had my identity stolen. If they feel this debt is valid it is not mine. I took no personal or payday loans. This is fraud. They refuse to help or send information of account. They threaten lawsuits and jail time. They refuse to identify company ir name
|
| 12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, CONVERGENT OUTSOURCING add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 01/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XXXX XXXX ( XXXX ) called me on my cell phone asking for my wife, although with a slightly wrong version of her name. They would not tell me why until I provided last four of my wife 's social and gave them information about me and her. They said they were debt collectors representing XXXX, but neither myself or my wife does business with XXXX. I refused to give them any new information and hung up.
I am not sure if they were phishing or otherwise just trying to gain access to us or our information, but it was an unsolicited call on a number on the do not call registry.
|
| 10/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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|
I wrote and mailed a debt Validation certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. They responded with a contract that was not signed by me. As you can see they forged my signature and copy and pasted on the form attached. The address they have listed for me I never lived at that address and was with XXXX in XXXX. So this is not proper proof saying this debt is mine. I reached out to the company twice on XXXX and XXXX to remove this from my credit reports and was denied both times. My next step it to star litigation against XXXX XXXX XXXX XXXX.
|
| 07/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On X/XX/2017 Convergent Outsourcing Solutions included a derogatory debt on my credit report without proper debt validation which was requested on XXXX XXXX, 2017. I have no contract with Convergent to collect debt from me. They have called my job repeatedly at XXXX and have put me in jeopardy of losing my job even after I have asked for debt validation. Which is a signed contract and not a statement telling me how much I owe them. This company negative reporting is having a negative impact on my credit worthiness being that it is the only negative reporting on my report.
|
| 08/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XXXX XXXX 2016, i receive a phone call from the postal unit stating that the company ConvergentbOutsourcing was sending a bill in my name to approximately XXXX diffrent address that I have no affliation with. Dated on XXXX XXXX 2016, in the amount of XXXX, which i had no knowledge of, nor had time to dispute the transcation. I am asking for the company to send me validation of the debt, and i am also disputing the debt. So i decided to file a compliant. Which was sent to the previous address, where i did not live. I do not owe a bilk from comcast. The debt is not mines
|
| 03/30/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I initiated contact after receiving settlement letter. Prior to making payment to the agreed amount, I asked if this would be removed from my credit. I was told that after the payment was processed, the collections agency will update the bureau to have the account removed. After a month when the account wasnt removed, I called to follow up and I was told they dont remove the account off the credit. I explained my situation and what I was told, without any help. I disputed the collection with all three bureaus with no success. Please help me, I feel deceived and helpless.
|
| 12/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a credit hit from Convergent Outsourcing inc. on XX/XX/XXXX thats was was unaware of. Convergent is a debt collection agency for XXXX. Ive never had a bill with XXXX or been associated with the address that is attached to the account. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX. The amount they are collecting is {$550.00}. That amount will not be paid from me because I have never in my 24 years of life lived or known of a resident from XXXX XXXX, Louisiana and now Im receiving negative credit hits.
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I check my credit on a daily basis due to possibly identity fraud. I viewed my credit today and on it appeared a account from a collection agency that has never made contact with me or sent a written validation notice as required by the FDCPA. I was not given the option to dispute this debt as required by law I have 30 days. Instead it was immediately placed on my credit file with XXXX and XXXX causing the denial of shelter for me and my family. My rights have been violated under the FDPCA and I will be contacting the Attorney Generals office in reference to this.
|
| 04/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I opened an account with XXXX Bank ( they are not even in Business anymore, they were sold to XXXX Bank years ago ) in the mid XX/XX/XXXX. I defaulted on that credit card in XX/XX/XXXX and the debt was sold to XXXX. I know this because of the statement I have now received from Convergent to collect this debt. They list XXXX as the creditor. I have not had any transactions on this account since XX/XX/XXXX. In Texas, you can not collect on a credit card after 4 years. I do not want Convergent adding themselves to my credit report 15 years after this debt was defaulted on.
|
| 07/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
On XX/XX/XXXX, 2017, XXXX XXXX, XXXX placed a collection account on my XXXX and XXXX credit report. The account is from XXXX XXXX in the amount of {$410.00}. I disputed this same account approximately 4-6 months ago as not being liable for the account due to fraud. The account was removed via my dispute but has now been sent back to XXXX and XXXX credit reporting agencies and placed on my reports once again. I 've attempted to dispute with the credit bureaus, but have not heard anything as of yet. This is week 3 without a response. I am asking for your help. Thank you.
|
| 11/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was advised by XXXX that a collections account has been added for a utility account I never authorized. I have never lived in XXXX XXXX ever. I spoke with XXXX XXXX from Convergent Outsourcing who advised an account was opened up using my SSN and DOB for the property address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX for XXXX XXXX XXXX and the email address used to open the account XXXXThe amount of the debt is now at XXXX XXXXXXXXConvergent account number is XXXX.
Credit Agencies have been advised and my credit is now frozen and a fraud alert is now on all 3.
|
| 10/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I have sent convergent outsourcing multiple letters to fix errors on my credit report and to request information on an account they are reporting on my credit. On XX/XX/2022 I sent a letter asking them to validate the debt. I then followed to send another letter on XX/XX/2022 asking them to provide the day of first delinquency with the original creditor which I did not see anywhere in the response to this letter. I most recently sent a letter on XX/XX/2022 asking for additional documents but they said they didn't have to provide any more details regarding the account.
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| 10/17/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter by mail under my name but wrong spelled from Convergent Outsourcing Inc where it says I old money to XXXX XXXX XXXX XXXX ( a company I have never heard of ) also, the letter said that if I pay within 3 days I will only have to pay 60 % of the debt. I believe this a scam.However, I called them and asked them to know more information about it, and notified them the name was wrong spelled, they asked for my name but I didnt wanted to give them my information as I dont know if this is legit or a scam, so they refused to give information about the case.
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| 07/28/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have already paid off the bill, that has Been placed on my credit file, it has been removed by my other credit files for some reason they are saying that it is current, it is not current I have contacted the provider and they do not show me owing this amount because I have satisfied the amount in full. This is not correct and every time I contact the collection agency they say they will remove it has not been done, something needs to be done. I have my receipt of payment and so does the provider involved, this needs to be addressed and removed off of my credit file.
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| 03/09/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Upon reviewing my credit report I noticed a collection account from Convergent Outsourcing. Im not sure how that is possible as I have never done business with nor have I been contacted by this company about this debt. I have never received a collection notice or right to dispute this debt notice. I dispute this accounts entirety and I am requesting that convergent outsourcing remove this account immediately from my credit reports and cease ALL collection/communication attempts. I have NEVER done business with nor have I been contacted by convergent outsourcing. XXXX
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| 02/12/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had cable tv and internet services with XXXX for several years. I decided in 2020 to disconnect all of my XXXX products and go to a competitor. Knowing that I was switching providers, I paid XXXX the full amount on my Closing Statement {$180.00} immediately. But, for some reason XXXX wants me to pay additional charges and they have assigned my closed account to a few collection agencies. And I have continually submit proof of payment and they no longer contact me. Nevertheless, XXXX keeps hiring new collection agencies knowing that my account has been paid in full.
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