Convergent Resources, Inc.

2019-10-09

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I did fight it year ago my credi was fix with police report After that XXXX hire out sourcing To collect the same dept Hope to fix it Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-08

Cheshire, OR

Took or threatened to take negative or legal action

Debt collection: Other debt

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

Timely Response

2019-10-08

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX / XXXX Please be advised that this account was fully paid off to XXXX XXXX XXXX REF # XXXX VIA XXXX XXXX CHECK XXXX ON XX/XX/2019 AND CASHED XX/XX/2019 Convergent has been sending me debt collection letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-08

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: we have disputed this via XXXX XXXX on XX/XX/2019 as well as sent a letter to the creditor on XX/XX/2019. Have not heard back from either dispute. We have no idea what this debt even is, and have tried to find out which has produced zero results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-08

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

2019-10-08

Harsens Is, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Several certified letters were sent to this company over a 60 day timespan requesting debt verification documentation and removal of the debt from all 3 credit bureaus. The company has not responded to any of the letters nor has this company removed the 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

2019-10-08

Rochester, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XXXX XXXX account XXXX I never received the sim card and never use XXXX XXXX 's service for even 1 minute. I cancelled the account as soon as i realize the t mobile service will not be feasible ( as sim card never came ) Both of their representative were able to prove that and settle my account. Convergent cointinues to send me letter saying i owed them {$120.00} and claimed i used such service. This is false statement and wrong charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-07

Chicago, IL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-07

Moore, OK

False statements or representation

Debt collection: Other 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

2019-10-07

Avondale-goodyear, AZ

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

2019-10-07

Ocklawaha, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-06

Sebring, FL

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

2019-10-05

Naples, FL

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

2019-10-05

Atlanta, GA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Based on Section 609 and 601 of the fcra and also USC 1611 this company he supposed to have proper debt validation in which when requested they could not provide therefore this account should be removed I've done no business with this entity please remove
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-05

Shalimar, FL

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: 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!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-04

Chicago, IL

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

2019-10-04

Town Center, NJ

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

2019-10-04

Apopka, FL

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

AR

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-03

Coalinga, CA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-03

Apopka, FL

Incorrect information on your report

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

Account status 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

2019-10-02

CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The dispute was updated with the same information as before.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-02

Laguna Beach, CA

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

2019-10-02

Bammel, TX

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

2019-10-01

Lewisville, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response