Convergent Resources, Inc.

2019-11-07

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Newark, NJ

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-11-07

Kenner, LA

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

2019-11-06

Bronx, NY

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

2019-11-05

Clarkesville, GA

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

2019-11-05

Anaheim, CA

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

2019-11-05

Asheville, NC

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

2019-11-05

Rochester, WA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-11-05

Oakland, CA

Incorrect information on your report

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

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-04

Ft Wayne, IN

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX sold a past due account that was over two years old to collection agency. The account was time barred when sold to convergent outsourcing in XXXX of 2016. Neither company will help get this removed from my 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

2019-11-04

Eden Prairie, MN

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Received calls from a XXXX XXXX from Convergent from XXXX on my private work phone stating I owed a debt, but didn't elaborate from where. I believe it is XXXX, because I switched services but they didn't cancel my plan right away when I transferred my number and plan to another company, and state I owe a half month service, which I do not and have contested. I have been contacted by this company twice before and told them I didn't owe anything and not to call me, especially not during my work hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-04

NE

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Repeated calls. Up to 5 or six times a day. 5 or 6 different numbers to get around my blocks. Refuse to identify themselves. Continued to call after I requested..then demanded they stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-04

Rochdale, NY

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

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

Timely Response

2019-11-03

Aurora, UT

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Convergent continually calls me about a XXXX debt that was discharged in bankruptcy. Even after politely asking them 30 or so times at this point, they continually calls, write, and email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-01

PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Written " Reduced Balance Opportunity '' on a debt which is not valid. Misrepresented debt as current and valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-01

IL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-31

Woodstock, GA

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

2019-10-31

AL

Credit monitoring or identity theft protection services

Payday loan, title loan, or personal loan: Installment loan

Didn't receive services that were advertised
Complaint: I didn't apply for this loan 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

2019-10-30

Clayton, MO

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Complaint: 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 <house of XXXX : XXXX> 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Clayton, MO

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Complaint: 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 <house of XXXX : XXXX> 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Lewisville, TX

Incorrect information on your report

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

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

Timely Response

2019-10-30

Holmes Center, IL

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to arrest you or take you to jail if you do not pay
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Grangeville, LA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-10-29

Manor, DE

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Requested XXXX to validate account on credit file. Requested information to validate account on credit file. Company failed to comply FCRA guidelines. Made several attempts to validate signature and contest to contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Key Biscayne, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have disputed this debt twice and this company fails to provide me with proof in writing that this debt belongs to me. I have not had a contract with XXXX, who is the original creditor, since 2008. I have a right to obtain tangible proof which I have not received and this is really hurting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response