Date Received: 2022-08-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43214
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX of a bill collection Agency convergent outsourcing Inc. from XXXX XXXXXXXX and I dont have any XXXX XXXX service at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79762
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 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!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Convergent Outsourcing called my personal cell phone number in an attempt to collect a debt. Last I checked it's a violation of federal law for debt collectors to call the personal cell phones of customers to attempt to collect the debt. The debt collection agency called me from telephone number XXXX. I looked them up and their website is : https : //www.convergentusa.com/. My telephone number is also registered on the Federal Do Not Call list and has been for several years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On this day XXXX XXXX XXXX I've contacted CONVERGENT OUTSOURCING regarding an invalid debt that's been furnished onto my consumer report. According to 15 USC 1692 ( g ) a debt has to be validated with proper document verification, also 15 USC 1692 ( g ) ( 5 ) states a statement upon the CONSUMER may request a copy of such verification of validation. So how could this be furnish upon my consumer report without valid verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Family member opened account In my name and I am not responsible for debt this is identity theft. I tried to contact business to clear off report and was told no.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95409
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A