Convergent Resources, Inc

2019-09-04

Wonder Lake, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Convergent Outsourcing has contacted me several times by phone and by mail. They have also tried to contact my elderly mother looking for me. In XX/XX/XXXX, my credit score declined dramatically due to Convergent putting a negative inquiry on my credit report with XXXX. This charge is for a XXXX bill that my ex-husband owes. This specific debt is cited in our divorce decree entered in XX/XX/XXXX as solely his. I disputed Convergent 's attempt to ruin my excellent credit score rating by going through their dispute process and sent a copy of the divorce decree. Per their process, XXXX has shared that information with Convergent. XXXX removed the item from my credit report finding that this debt does not belong to me. On XX/XX/XXXX, Convergent sent me a notice saying that they believe this debt is still 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

2019-09-03

Deltona, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Creditor : XXXX Collection Agency : Convergent Outsourcing In XXXX I had an account with XXXX. I moved outside of their coverage area. Per my agreement, Early Termination Fees were supposed to have been waived. To my surprise, a XXXX bill was turned over to a collection agency ( Convergent Outsourcing ) who claimed the fees were not waived, they could not waive the fees that should have been previously dismissed by XXXX. This left me with an unpaid balance of {$850.00} as of XX/XX/XXXX. This already illegal debt should be 5 years old at this point. To make matters worse, the same creditor re-aged this debt as a XXXX debt, making this look more recent. This has dramatically lowered my credit score and is causing financial hardship. I attempted to dispute this several times in early XXXX, through XXXX. All disputes were denied, and again making this look like recent negative activity. Please help. 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

2019-09-03

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XXXX of 2016 I moved out of my apartment and across town to another complex With the move I signed up with a new electricity provider and called to cancel my service with XXXX XXXX XXXX. The following month I was charged for another month of service from XXXX XXXX at the old address and when I called them to ask about it they told me they did not disconnect the power and my best option was to put a stop payment on the extra month. I did so and now a debt of {$200.00} is with the collection agency Convergent Outsourcing Inc. I have tried explaining my position and even settling the debt to clear my credit report to no avail. I have never missed a payment on anything and before this incident my credit score was nearing 800. I wish I had documentation to help my argument but I was just a XXXX college kid at the time and didn't think my credit would get ruined by this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-03

Slidell, LA

Attempts to collect debt not owed

Debt collection: I do not know

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

2019-09-02

Houston, TX

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

2019-09-01

San Diego, 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

2019-08-31

Omaha, NE

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-08-31

Houston, TX

Incorrect information on your report

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

Account information incorrect
Complaint: XX/XX/2019 - I sent a certified letter disputing the account XX/XX/2019 - I received a letter from Convergent Outsourcing with a bill that they claimed I owed {$140.00}. The amount {$140.00} was not an accurate amount according to the bill they provided. XX/XX/2019 - Convergent Outsourcing received my letter of response stating that by providing a bill was not considered proof per FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX XX/XX/2019 - I receive another the exact same letter as before, claiming that the debt is valid but have yet to provide any proof of my signature or anything. And there is still inconsistency and inaccuracy on the amounts owed. They have failed to provide any proof of the debt owed besides a bill with no valid signatures or proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-31

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: 2nd time XXXX XXXX put this in collection, we are allow to XXXX XXXX XXXX, this was once clear and then on the reported again. Got no notices saw this on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-30

Sandy Hook, CT

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/2019 I sent Convergent Outsourcing partial account # XXXX seeking {$120.00} a NOTARIZED Cease & Desist letter. I requested that they remove their negative reporting to XXXX, XXXX, and XXXX immediately as they are not my original creditor and that I do not wish to work with them. I am enlisting the CFPB for help in making sure that they do remove these damaging reports and terminate all collection efforts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-30

Stuart, FL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-08-30

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

2019-08-29

Tampa, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-29

Colfax, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: OnXX/XX/2016 my father used my identity and opened an account through XXXX XXXX and left a balance of {$560.00}. I was underage at the 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

2019-08-29

Springfield, OH

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

2019-08-27

OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have submitted multiple letters to this company to verify the debt they say i owe. They have not submitted the proper documents with my signature on it to verify this debt belongs 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

2019-08-27

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I began to review my credit earlier this year and noticed several inaccuracies. Letters to all bureaus were mailed approximately around XX/XX/2019. Follow up letters were then mailed approximately around XX/XX/2019. Out of an abundance of concern, I requested that VALIDATION around XX/XX/2019 in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. This account was deleted from my credit reports only to be sold to another company and reported again as a new debt. They have YET TO PROVIDE ME WITH VALIDATION OF DEBT IN ACCORDANCE TO THE LAW. THEY ALSO HAVE YET TO DELETE THIS 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

2019-08-27

Allegheny, PA

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

2019-08-27

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I paid this debt with convergys in XX/XX/XXXX but they have not updated the account since late XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-27

Fontana, CA

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

2019-08-24

Arvada, CO

Incorrect information on your report

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

Account information incorrect
Complaint: 2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received anything.XXXX XXXX, CONVERGENT OUTSOURCING, XXXX and XXXX XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XX/XX/XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

Lewisville, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I was with XXXX for over 10 years but because they were charging me almost {$200.00} a month, I decided to switch to XXXX XXXX XXXX. I made the switch in XXXX of 2018 and I owed them an equipment balance of about {$200.00}. I am college student who finds it hard at times to afford gas but I was saving up to pay off that balance. Early this year, I received notification that the balance had gone up to a whopping {$650.00} which is more than double the amount I was going to pay. Once this hit my credit about two months ago, my score dropped significantly. I reached out to the company and not only were they rude but they told me I would have to pay the complete balance then and there. They also told me that they would not provide written proof that the debt was paid off which makes absolutely no sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

Allentown, PA

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a 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

2019-08-23

Blue Hills, CT

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

2019-08-22

Bohemia, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Was never contacted by XXXX of my collection. This collection is five years old i am trying in good faith to resolve this issue but i was never contacted. They are saying i owe then a rediculius amount of money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response