Convergent Outsourcing Inc

Re: [redacted],[redacted] ID #:[redacted] Convergent Account#: S-[redacted] Galaxy International Purchasing, LLC Account#: [redacted] Debt Description: Providian National Bank To Whom It May Concern, Convergent Outsourcing has received Mr. [redacted]'s dispute. Galaxy International Purchasing, LLC. placed...

this account in our office 10/04/2013 to collect a balance on their behalf. In Mr. [redacted]'s dispute he states that he believes charging interest on an account after it is cancelled is unlawful. An account can incur interest when it is closed and in collections if it is stipulated in original service agreement. Convergent Outsourcing has not charged any interest while this account has been in our office. On 04/14/2016,Mr. [redacted] spoke with an agent in our office and advised that he believed he had paid this account off prior to its placement in our office. The account was placed in a disputed status and documentation was requested from our client. In response to this information, the account is in a dispute status so this matter may be investigated. If Mr. [redacted] has any documentation showing the balance has been paid he may fax it to 206-322-4838,and we would be happy to forward this information to Galaxy International Purchasing, LLC. in an attempt to help Mr. [redacted] resolve this matter. We appreciate the opportunity to respond.

Dear Ms. [redacted],  Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inc. has drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.  Please review the uploaded document for further...

information. If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response.     Respectfully submitted, Mattie [redacted]-H[redacted]Compliance Representative

Convergent Outsourcing, Inc. has received [redacted]'s additional information. With the tracking number [redacted] has provided,we were able to locate the information that was received. The information that was received on the account was not processed through the proper departments and is currently in the process of being forwarded to [redacted] including the check in question.We apologize for the delay and any inconvenience this may have caused.In response to this communication, we will forward a copy of this communication along with the documents provided to our client. Convergent Outsourcing does not own the debt therefore we cannot guarantee resolution. If [redacted] has any further inquiries please have her contact [redacted] directly.We appreciate the opportunity to respond.

The company made categorizations and assertions that I did make in their response. My exact complaint is listed below.
 
Complaint Detail / Problem
Complaint Type:
Billing or Collection Issues
Problem:
I received a letter dated 12/28/2015 from this company stating that I owed a debt if $1,197.06 from an Original creditor "first consumers national bank (FCNB)" I have never done any business with this company. I tried to called FCNB" (out of business). I performed my due diligence in investigating this issue. This debt is not mine. I have no knowledge of FCNB.
The company failed to me my desired outcome:
 
Desired Resolution / Outcome
Desired Resolution:
No further contact by the business
Desired Outcome:
No further contact by the business, delete my information from their database. No reporting to Credit reporting agency or others of false information. Complaint: [redacted]I am rejecting this response because:Sincerely,[redacted]

To Whom It May Concern,Convergent Outsourcing Inc. has received Ms. [redacted]'s fraud dispute and complaint. Comcastplaced this account in our office on 11/21/2016, to collect a balance of $156.01 on theirbehalf.Upon investigation of Ms. [redacted]'s complaint, that one of our agents would not provide her...

anyinformation and hung up on her, the call on 02/ 01/2017.We found that the agent attempted to provide Ms. [redacted] with the account information, howeverMs. [redacted] was yelling at the agent, and using profanity. The agent professionally ended the callfor this reason.In response to receiving this communication from your office, we have closed and returned theaccount to our client, Comcast. We have not reported our information for the above referencedaccount to the credit bureaus. We will forward a copy of the communication received from youroffice and our response to our client. If Ms. [redacted] has any further inquiries, please have hercontact Comcast directly, as we are no longer handling the account.We appreciate the opportunity to respond.Sincerely,Sarah K[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Complaint: [redacted]I am rejecting this response because:  I don't believe this is a valid response.  I am following up with Comcast to get something in writing claiming that they passed this "debt" onto this company.  Simply claiming that it was from Comcast and just as quickly dismissing it after escalating to Comcast without a reasonable response just feeds into the appearance that this is fraudulent.Sincerely,[redacted]

Dear Mr. [redacted], Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inc. has drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.  Please review the uploaded document for further...

information. If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response.     Respectfully submitted, Sarah K[redacted]Compliance Supervisor

Please view the attached PDF file.
ConvergentAugust 19, 2016Revdex.comP.O. Box 1000 DuPont,WA   98327Re: Gase ID: [redacted],[redacted]To Whom It May Concern,Convergent Outsourcing, Inc.is has received Mr. [redacted]'s additional information and has located the account in question. Sprint placed this account in our office on 10/15/2012, to collect a balance of$716.05 on their behalf. We are sorry to hear Mr. [redacted] may have been a victim of fraud.The information onfile for Mr. [redacted] was provided by Sprint.In response to receiving this information, we have placed the account in a disputed status and suspended collection activity. In an effort to help Mr.[redacted] find resolution we have requested a fraud packet be mailed to Mr. [redacted] at the address provided in this complaint. Please have him fill out the information requested and follow the directions to return the packet to Sprinfs fraud management team.We will request our information be updated to the credit bureaus accordingly. We do not own the account and therefore cannot guarantee resolution. We will forward a copy of this communication and our response to Sprint. If Mr. [redacted] has any inquiries regarding this matter he may contact Sprint directly referencing the Sprint account number listed above.

Convergent Outsourcing, Inc.has received [redacted]s dispute.[redacted] placed this account in our office to collect a balance of $721.40 on their behalf 6/11/2016. On 06/21/2016, we mailed a validation notice to the address on the account, matching what was provided in this communication.The...

validation notice included [redacted]s right to dispute the balance. To date, this is the first communication we have received for this account notifying us that [redacted] disputes a balance is owed.In response to this complaint,we have closed the account in our office and returned the account to our client, [redacted].We will request our information be removed from the credit bureaus. We do not own the account and therefore cannot guarantee resolution. If [redacted] has any further inquiries, please have her contact [redacted] directly.We appreciate the opportunity to respond.

Complaint: [redacted]THe original debt on my credit report has no account number. The original debt is from 10 Reliant Energy for $741 open date of 08/18/2013.I am rejecting this response because:Sincerely,[redacted]

Dear Mr. [redacted],   Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inc. has drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.  Please review the uploaded document for further information.   If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response.        Respectfully submitted,   Sarah K[redacted] Lead Compliance Rep

Dear [redacted], Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inc. has drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.  Please review the uploaded document for further...

information. If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response.

Please view the attached PDF file.
Convergent Outsourcing has received Mr. [redacted]'s dispute. Comcast placed this account in our office 06/01/2016, to collect a balance on their behalf. This is first and only time this account has been placed with Convergent Outsourcing.On 06/06/2016,we mailed Mr....

[redacted] a validation notice that included his right to dispute the balance. To date this is the first communication we have received on behalf of this account notifying us that Mr. [redacted] disputes owing a balance and may have been a victim of fraud.In response to receiving this information we have closed the account in our office and returned it to our client, Comcast We have not reported the account to the credit bureaus. We do not own the account and therefore we cannot guarantee resolution. We will forward a copy of this complaint and our response to our client.  If Mr. [redacted] has any further inquiries please have him contact Comcast directly, referencing the Comcast account number listed above.We appreciate the opportunity to respond.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
As stated previous, although communication may have been attempted, it was not received by myself. I sincerely appreciate the prompt action on this matter.Very Respectfully, [redacted]

Dear Mr. [redacted],  Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inc. has drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.  Please review the uploaded document for further information....

  If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response.        Respectfully submitted,   Sarah K[redacted] Lead Compliance Rep

Convergent Outsourcing, Inc. has investigated Mr. [redacted]'s complaint. TXU Energy Retail Company, LLC placed this account in our office to collect a balance on their behalf. To date this is the first communication we have received on this account, notifying us that Mr. [redacted] believes the account...

to be fraudulent.We are sorry to hear Mr. [redacted] may be a victim of fraud. In response to receiving this information, the account has been closed from our office and returned to TXU Energy Retail Company, LLC. We did not report the above referenced account to the credit bureaus. We do not own the account therefore we cannot guarantee resolution.We will forward a copy of this complaint and our response to our client. If Mr. [redacted] has any further inquiries please have him contact TXU Energy Retail Company, LLC directly, as we are no longer handling this account.We appreciate the opportunity to respond.

Dear Ms. [redacted], Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inc. has drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.  Please review the uploaded document for further...

information. If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response.     Respectfully submitted, Sarah K[redacted]Lead Compliance Rep

Convergent Outsourcing has received Mr. [redacted]'s complaint. DirecTV placed this account in our office on 02/28/2016to collect a balance of $774.34 on their behalf.Mr. [redacted] contacted our office on 03/24/2017 requesting a settlement on his account. The agreement was to settlethis account for...

$387.17. Mr. [redacted] set up a debit card payment for $387.17 on 03/24/2017. That payment wasposted to this account on 03/27/2017.Mr. [redacted] stated in his complaint that he was told that he would receive a receipt but it may take up to 10 businessdays. We reviewed all of the call recordings and this is correct, Mr. [redacted] was advised correctly that it could take up to10 business days to receive the receipt.On the call recording from 04/07 /2017, Mr. [redacted] advised the agent that if he did not have the receipt in one hour hewould be filing a complaint with your office.Convergent Outsourcing did send the email receipt to Mr. [redacted] on the 10th business day. We have attached a copy ofthe email from 04/07 /2017 and the letter attached to the email that was sent to Mr. [redacted].This account was closed with Convergent Outsourcing after the settlement payment was posted to Mr. [redacted]'saccount. Convergent Outsourcing has requested our information for this account to be removed from the creditbureaus. We have attached a copy of the request for Mr. [redacted]'s records.Convergent Outsourcing will forward a copy of the communication from your office and this response to our client,DirecTV. Should Mr. [redacted] have any further questions regarding this account he may contact DirecTV as we are nolonger handling this account.We appreciate the opportunity to respond.

Dear Mr. [redacted],   Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inc. has drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.  Please review the uploaded document for further...

information.   If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response.        Respectfully submitted,   Mattie [redacted]-H[redacted] Compliance Representative