Convergent Resources, Inc.

2019-08-22

Hesperia, CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Louisa, VA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: Convergent Debt Collectors called about an XXXX XXXX account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine. I would like to have these resolved and removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Murrieta, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Hixson, TN

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Shulerville, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: The company Convergent Outsourcing, I sent them a letter stating that the information on my Credit Report. They in turn sent me a letter stating that they do not have an account for me. I sent a copy of that letter to the Credit Bureaus and the incorrect information is still on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

Bronx, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

San Gabriel, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

Atl, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-19

Vicksburg, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I settled the debt with XXXX in an authorized XXXX store in the city of XXXX XXXX Mi, XXXX back in XX/XX/2019. The XXXX representative told me that they would contact Convergent and it would be removed from my credit report within 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-19

Vicksburg, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The original company is XXXX I don't owe them any money. They also sent letters to an address that is not mine. and once I received notification from Convergent Outsourcing I contacted them about the debt. When I spoke with the XXXX representative the person told me that she could not access my old account to even provide me with any information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-18

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-17

IL

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Complaint: This is regarding a debt that Convergent Outsourcing Inc. in XXXX Washington XXXX sent to my XXXX year old mother she says she don't know what it is they say maybe debt fromXX/XX/XXXX XXXX?? not clear. acct # XXXX. in amount of XXXX. They sent this to her on XX/XX/XXXX and after seeing this scompany on many scam reports we have donr nothing but contact you and XXXX because there is nothing about this on her credit report. And we also placed a fraud alert on her credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-17

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-17

Atlanta, GA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-16

North Olmsted, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-16

CT

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-16

Hinsdale, IL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-15

Rockford, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-15

Sandy Hook, CT

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-15

Rollingstone, MN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Convergent Outsourcing emailed me claiming I owe {$330.00} from a company I do not recall having an account with and then immediately wanted me to pay a much smaller lump sum. Trying to contact C.O. they wanted all of my private info ( SSN etc ) before even speaking about my account. I had a weird feeling about being emailed about this collections account and that it doesnt show on my credit report. After doing some research learned similar situations were found to be scams. Wanted to file a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-15

Lewisville, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I recieved a notice to collect a debt on behalf on XXXX XXXX from Convergent, I responed to the inquiry for validation of the debt, I recieved nothing and on XX/XX/2019 the said above company placed a collection on my credit report without validation debt or responding to me about said deby, I called to rectify problem but was met with no solution, this unlawful collection is no putting my job at risk and needs to be removed and deleted from all 3 credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-14

Las Vegas, NV

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-14

Quartzsite, AZ

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: CONVERGENT OUTSOURCING, INC. continues to try to collect on two accounts that were discharged under my Chapter XXXX bankruptcy. The credit bureaus continue to remove these debts and somehow CONVERGENT OUTSOURCING, INC. is able to report them again. I have had to contact the credit bureaus on 4 separate occasions to remove these debts. Further, CONVERGENT OUTSOURCING, INC. continues to attempt to call me, including calling my place of business, as well as sending weekly letters to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-14

Milwaukee, WI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response