Convergent Outsourcing

May 21, [redacted] ***Revdex.comStation Drive, Ste222DuPont, WA Re: Case # [redacted] ***Convergent Outsourcing, IncAccount # T- [redacted] [redacted] Dear Ms***, Convergent Outsourcing, Inchas investigated this complaintTo address Ms [redacted] statement that she was advised this account would not affect her credit report, I reviewed the recorded phone calls associated with her accountBelow is the review On 3/5/15, one of our agents offered Ms [redacted] a settlement to resolve her accountThe agent advised her that by doing a settlement, she could not return to [redacted] as a customer unless the balance in full was paidDuring the conversation, Ms [redacted] stated, ‘I would really like it off my credit.’ The agent did not make any comment regarding Ms [redacted] credit reportMs [redacted] was unable to secure the arrangements during this phone callAt this point in time, this account had not been placed on Ms [redacted] credit reportOn 4/13/15, Ms [redacted] called in to take advantage of the settlement offerAt no point in time was credit reporting mentioned during the conversationMs [redacted] agreed to the payments of $on 4/15/and 5/20/ After carefully reviewing these recordings, I have concluded that none of our agents provided falsified information to Ms***As of today, 5/21/15, the above referenced account has been settled in full in our officeWe will request that the credit bureaus update our information as settled in full Respectfully, [redacted] Compliance RepresentativeT [redacted] | [redacted] @ConvergentUSA.comwww.ConvergentUSA.com

Complaint: [redacted] I am rejecting this response because: Because Convergents response to my resolution is vagueI see nothing about deleting or removing negative information from my credit reportIf there response means this I will accept the response.My desired settlement was to cease collection activity and remove all negative information from my credit reportExperian, TransUnion and EquifaxDelete all information connected to to Convergent Outsourcing and other company names they go byAnd NOT to Reinstate this information at a later date to my credit report

Complaint: [redacted] I am rejecting this response because: this is not true period I have NO outstanding credit obligations on my credit report if I owed on a debt it would show up on my credit report and the only items on my credit report are current and up to date items Convergent and [redacted] are both scamming and I will now file a complaint against [redacted] as well Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: The total balance reporting as of today is $1,The original creditor shows "Sprint" Sincerely, [redacted]

To Whom It May Concern,Convergent Outsourcing Inchas received Ms [redacted] 's fraud dispute and complaintComcastplaced this account in our office on 11/21/2016, to collect a balance of $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 profanityThe 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, ComcastWe have not reported our information for the above referencedaccount to the credit bureausWe will forward a copy of the communication received from youroffice and our response to our clientIf 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***

To Whom It May Concern, Convergent Outsourcing, Inchas received Ms [redacted] disputePayPal, Incplaced this account in our office on 03/17/to collect a balance on their behalfTo date this is the first communication we have received from Ms [redacted] advising us that she disputes owing the balanceIt appears from the information provided in the complaint that the dispute is with the original service providerIn response to receiving the information, the account has been closed in our office and returned to our client PayPal, IncWe do not own the account therefore we cannot guarantee resolutionWe will forward a copy of this communication and our response to our clientIf Ms [redacted] has any additional inquiries please have her contact PayPal's customer support at 1-877-380-6578, and reference the PayPal Incaccount number aboveWe appreciate the opportunity to respondRespectfully,

Subject: [redacted] To my knowledge this issue has not been resolvedI have yet to receive anything from the Company therefore I want this account removed from my credit report effective immediately [redacted] ***

I contacted Convergent several times over the spr [redacted] and summer of regard [redacted] a paid collection item show [redacted] on my credit fileOver the course of our conversations and a previous Revdex.com complaint I filed, convergent ultimately agreed to have the item removed from my credit file on 9/26/via a letter (attached)The paid collection item was removed from my transunion and equifax credit files but is still show [redacted] on my experian fileI've contacted convergent multiple more times since I discovered it was still show [redacted] but they are refus [redacted] to have it removed even though I have a letter from their Lead Compliance Representative stat [redacted] it would be removedI'm request [redacted] that the item be removed from the experian file as promised so I can be done with this issue.I'm request [redacted] that the item be removed from the experian file (and confirmation that it won't reappear on other files) as was previously promised to me so I can be done with this issue

Dear Ms***, Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inchas 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 informationIf 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***Lead Compliance Rep

? Dear Mr [redacted] ,? Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inchas drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.? Please review the uploaded documents 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***Compliance Supervisor

Dear [redacted] ,? ? Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inchas 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? ?

Convergent Outsourcing, Inchas received Ms [redacted] complaint and request for a receiptUpon investigating this complaint, we reviewed the call on 07/05/We do not believe the agent intentionally ended the call prior to completion, as the agent did than Ms [redacted] for calling.We apologize if Ms [redacted] was not done discussing the account.Due to a systemic issue the receipt requested on 07/05/2016, was canceled by our systemWe apologize for any inconvenience this has caused Ms [redacted] We will request our information be removed from the credit bureausAttached is Ms [redacted] receipt letter we apologize for the delay.We appreciate the opportunity to respond

To Whom It May Concern,Convergent Outsourcing has received Ms [redacted] 's complaintWith the information provided in this communication from your office, I was unable to deduce the account in question.Ms [redacted] states in her communication to your office that she has logged in to Convergent Outsourcing's websitePlease have Ms [redacted] provide one or more of the following information to locate the accountin question; the Convergent Outsourcing account number, Client account number or the full mailing address that Convergent' s notice was mailed to.We look forward to help Ms [redacted] find resolution in this matter

To Whom It May Concern, Convergent Outsourcing, Inc. has received and investigated Mr. [redacted] fraud dispute. Sprint placed this account in our office on 10/19/2016, to collect a balance on their behalf. On 10/31/2016, Mr. [redacted] spoke with an agent in our office and advised that he believed the... account to be fraud. The account was placed in a disputed status and collection activity was suspended to this matter may be investigated. Upon investigation of this matter, we were able to review on Sprint's iCare system, that fraud was not suspected on this account. Convergent Outsourcing has mailed a fraud packet to Mr. [redacted] in an attempt to help him find a resolution. He may fill out and gather the necessary information located in the packet and return it to Sprint's fraud management department. The account will remain in a disputed status in our office. We appreciate the opportunity to respond. Respectfully, Sarah K [redacted] Compliance Representative

Complaint: [redacted] I am rejecting this response because: I will be awaiting documentation on said account to view attempts at contact, full itemization of the debt, contract giving rise to the debt, breakdown of the total principle and several other itemsSincerely, [redacted]

Convergent Outsourcing has received Ms [redacted] request that we cease communicationWith theinformation provided, I was able to locate two accounts placed in our office.Pacific Gas and Electric placed this account in our office on 11/23/2015, to collect a balance on theirbehalfIn response to receiving this request we have added Ms [redacted] phone number to our "do not calllist"The account has been closed in our office and returned to our client Pacific Gas and Electric.On 12/28/2015, our client Sprint placed this account in our office to collect a balance on their behalfOn03/02/2016, we sent out an email validation noticeDue to the sensitive nature of the email it doesrequire the last four digits of the consumer's social security number to view the personal and privateinformationIn response to receiving this request we have ceased communication on this accountWeapologize for any inconvenience we may have caused.We appreciate the opportunity to respond

Convergent Outsourcing, Inchas investigated this complaintWorldwide Asset Purchasing II, LLC placed this account in our office 12/12/to collect a balance on their behalfTo date this is the first communication we have received from Mr [redacted] indicating that he believes the account to be fraudulent.In response to receiving this information, Convergent Outsourcing has ceased communication and placed the account in a disputed status so that this may be investigatedWe will forward a copy of this complaint and our response to our client

Complaint: [redacted] I am rejecting this response because: The information they provided is not enough, first of all the information is incorrectSecond I need to see a copy of the contractI also want to see that they have a license and the rights to collect this debtSince this was not provided it, I ask for them to delete this from the credit report

Complaint: [redacted] I am rejecting this response because: Although the representative asked for the last four of my social security number, I would ask WHY my address was used? What is the purpose of this company sending this notice, along with enticement to reduce the amount you have to pay to settle this balance, to every person with my same name? What if I had given a fake last four SS? Would they still have taken my address off the list? Of course they would have, cause it would not have matched their records.They can deny phishing but I maintain that if you send out a credit collection notice to enough people there will be people sending in payment. This company does not ask you to verify your last of your SS when you submit the payment. So please tell me what processes they have in place to identify a payment made by the wrong person with the same name on the collection notice? Sincerely, [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 I want to thank all parties involved for your support and prompt attention to this matter Sincerely, [redacted] ***