Date Received: 2023-05-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Convergent outsourcing been reporting an inaccurate account And I ask previously to prove this account And provide information which they fail to do so
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23703
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This third party debt collector is the second collector trying to collect a debt not owed and refused to validate the debt is owed by me. I have sent a affidavit notarized and certified mail disputing the debt requesting they provide the contract that binds me to pay a debt, requesting the verification that I a living breathing man signed a contract with my wet ink signature. They have yet to respond and the debt is still on my credit report which they are now not acting in good faith. I have attached the affidavit i sent them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72118
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Do not have a contract with Convergent Outsourcing - Contract Violation. Did not give them the Social Security number - Identity Theft. And, per 15 U.S. Code Section 1681c, no adverse item other than records of convictions of crimes are to be reported to the credit bureaus. Convergent XXXX has multiple violations and I want to be compensated for their attempted barratry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Convergent Outsource bought this debt from XXXX and report this to my credit agency. XXXX. Every time this debt is sold this third agency tried to ruin your credit over XXXX dollars. This has been reported 3 times by different agencies. I don't owe this debt. I wanted them to erase this from my credit report and stop reporting to my credit report agencies. I will report them to the FCRA they don't have the right to collect a debt I don't owe to them. PERIOD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Convergent Collections contacted me through mail, 18 months after supposed amount was due. The original company ( XXXX ) that the debt came from told me that i owed them nothing because i never used the service and i returned it before the date they set for me was up. Currently awaiting Convergent to investigate through XXXX to see if i still owe them money, which they will probably say yes to. Total amount owed is {$82.00}.
Company Response:
State: ID
Zip: 83647
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A