Convergent Outsourcing

Re: [redacted] Case#: [redacted] To whom this may concern, We have investigated Ms [redacted] complaint [redacted] placed this account in our office 03/14/14, to collect $on their behalfConvergent Outsourcing, Incis a collection agency that only collects on accounts placed in our office by our clientsOn 08/10/2015, Ms [redacted] spoke with someone in our office and advised us at that time she disputed the balanceAs of 08/10/2015, the account was placed in a dispute status and collection activity had been suspendedIn response to the complaint, we have closed and returned the account to our client We will forward a copy of Ms [redacted] complaint and our response to our clientIf Ms [redacted] has any inquiries please have her contact [redacted] at [redacted] to ensure a resolution is foundConvergent is no longer handling this accountWe appreciate the opportunity to respond

Complaint: [redacted] I am rejecting this response because: Convergent says they cannot find an account in my name, and they want an account number in order to proceed I do not have such a number, because I've never been contacted by Convergent in the first place I've only learned their name because they falsely reported a delinquency in my name They certainly reported a delinquency to Equifax, yet miraculously don't have a record of my account when it comes time to correct their mistake They ended their initial response by asking for my full Social Security Number As if I would simply give them my SSN when they have already fraudulently reported me to the credit bureaus and "cannot find a Convergent account in my name" Convergent can contact me with a secure email, and I would consider giving them more information However, considering they have never contacted me in the first place, I will not hold my breath nowI have no faith that this company is even legitimate, other than the fact they responded to the Revdex.comUnless they take further steps to rectify this situation, the next contact they receive from me will be from my attorney Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because:The business has requested additional information. I am attaching their original letter to provide all requested details Sincerely, [redacted] ***

Dear Ms [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? ? ? ? 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

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 meI had already contacted PayPal by email and they confirmed that I did not owe them any moneyI don't believe that convergent actually received a notice from PayPal since PayPal never tried to contact me and I have been doing business with them all of Sincerely, [redacted] ***

Convergent Outsourcing Inchas received Mr [redacted] request that we cease communicationOn03/22/15, [redacted] placed this account in our office to collect a balance ontheir behalf.On 01/28/2016, Mr [redacted] notified us, that the account was created fraudulentlyThecollection activity was suspended and the account was placed in a disputed statusOn02/11/2016, we mailed a fraud packet to the address on file.In response to Mr [redacted] request, the account has been placed in a cease communicationstatusWe have requested our information for the above referenced account be removed fromthe credit bureausWe will forward a copy of your complaint and our response to our clientWedo not own the account therefore cannot guarantee resolutionIf Mr [redacted] has any furtherinquiries please have him contact [redacted] directly as we no longer haveinterest in the balance.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 meThank you for expediting this matter as 10-phone calls daily got a bit frustrating, even after we requested them remove our number the first time Sincerely, [redacted]

Please view the attached PDF file ConvergentDecember 06, 2016Revdex.comP.O.Box DuPont, WA 98327Re: Complaint ? ID#: [redacted] To Whom It May Concern,Convergent ? Outsourcing, ? Incis ? attempting to ? investigate ? this ? complaint ? I ? was unable ? to ? locate ? any account in our office with the information [redacted] has provided.To locate an account in our office we need additional information [redacted] states that she has not received a letter from Convergent Outsourcing nor has she found our information on her credit bureau How was [redacted] notified of this matter in our office?If [redacted] received a call from Convergent Outsourcing please have her provide the telephone number she received the call at The telephone number she has provided of [redacted] did not locate an account for [redacted] in our office[redacted] may also provide her full social security number that the information is tied to, in order to locate the accounts in question.We look forward to assisting [redacted] in resolution to this matter

Convergent Outsourcing, Inchas investigated Ms [redacted] 's complaintPayPal, Incplaced this account in our office to collect a balance on their behalfConvergent Outsourcing only collect on balances placed in our office by our clients.We do not attempt to scam consumers.To date this is the first communication we have received on this account from Ms [redacted] , indicating that she believed the balance to be fraudulent.In response to Ms [redacted] 's complaint, we have closed the account from our office and returned it to our clientWe do not own the account therefore we cannot guarantee resolution.If Ms [redacted] has any further inquiries please have her contact PayPal's customer support at 1-877-380-referencing the client account number listed above.We appreciate the opportunity to respond

Dear Ms [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? ? ? ? Respectfully submitted, ? Sarah K [redacted] Lead Compliance Rep

The company made categorizations and assertions that I did make in their responseMy exact complaint is listed below Complaint Detail / Problem Complaint Type: Billing or Collection Issues Problem: I received a letter dated 12/28/from this company stating that I owed a debt if $1,from an Original creditor "first consumers national bank (FCNB)" I have never done any business with this companyI tried to called FCNB" (out of business)I performed my due diligence in investigating this issueThis debt is not mineI 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 databaseNo reporting to Credit reporting agency or others of informationComplaint: [redacted] I am rejecting this response because:Sincerely, [redacted]

To Whom It May Concern, Convergent Outsourcing, Inchas received Ms [redacted] complaintOn 08/04/PayPal, Incplaced this account in our office to collect a balance on their behalfOn 08/08/2016, a validation notice was mailed to Ms***This notice included Ms [redacted] right to dispute the balance and is the only notice Convergent Outsourcing has mailedTo date, this is the first communication we have received on this account notifying us that Ms [redacted] disputes owing a balanceIn response to receiving this communication, Convergent Outsourcing has closed the account in our office and returned it to PayPal, Inc.We have not reported this account to the credit bureausWe do not own the account therefore we cannot guarantee resolutionIf Ms [redacted] has any further inquiries regarding this matter, she may contact PayPal's customer support at 1-877-380-6578, referencing the client account number aboveWe appreciate the opportunity to respond

Please view the attached PDF file Convergent Outsourcing, Inchas received [redacted] complaintUpon investigation of this complaint, we were unable to substantiate [redacted] claim that she has complained toConvergent Outsourcing prior, concerning her receiving mail for this partyTo date this is the first communication we have received on this file.In response to this communication, we have removed [redacted] address from this file to ensure she no longer receives mail in regards to this accountWe appreciate her notifying us that we have reached the wrong person and apologize for any inconvenience we may have caused

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactoryHowever, I would like a stipulation added that this company will need to remove this from all of my credit reports within days Sincerely, [redacted] ***

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 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 ***-H [redacted] Compliance Representative

Convergent Outsourcing, Incis attempting to investigate this complaintDue to the vast number of accounts, I am unable to identify an account for Ms [redacted] with the information providedIn the complaint, Ms [redacted] states she receives calls every day from Convergent OutsourcingWe are asking Ms [redacted] to please provide the phone number that she is receiving the phone calls to, so we may further investigate this matter.We appreciate the opportunity to respond

To Whom It May Concern, Convergent Outsourcing, Inchas received Mr [redacted] 's disputeConvergent Outsourcing does not buyor sell debts; we only collect on balances placed in our office by our clients [redacted] placed thisaccount in our office on 12/05/2016, to collect a balance on their behalf On 12/19/2016, Mr [redacted] spoke with an agent in our office and advised that he disputed the accountas fraudMr [redacted] also requested that he no longer receive phone callsThe account was placed in acease communication status In response to receiving this communication through the Revdex.com, we have closed theaccount in our office and returned it to [redacted] We do not own the account and therefore cannotguarantee resolutionWe will forward a copy of this information to [redacted] along with our response.To ensure this matter is resolved we suggest Mr [redacted] contact [redacted] directly We appreciate the opportunity to respond Respectfully, Sarah K***

Complaint: [redacted] ? I am rejecting this response because:Due to the fact that? Convergent outsourcing has admitted that they have been asked for validation on numerous occasions and have yet failed to send an signed contract or agreement stating that I owe the "said debt." They are simply sending a bill that could have been generated by their officeIf I am responsible for this account that they claim they should be able to send me a detailed report of when I missed payments, when the account was first opened and when I defaultedConvergent outsourcing should be able to send me an actual contract between me and " [redacted] ." I am continuously asking that Convergent Sourcing to send what ever documents they have in their files used to verify this accountA fraudulent bill will not sufficeUnder FCRA I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning account that at being reported on my credit reportAll unverified accounts must be deletedSo again who verified this account? What documents did they use to verify/validate? Where are the documents used to verify?The only correspondence that I received was a billing statement.? This item does not qualify? as verification per FCRAThis company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requestedit is my contention that Convergent Outsourcing know that they cannot tie me to this alleged account, otherwise, they would have done so when I made my initial requestConvergent Outsourcing is blatantly disregarding the law.?

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] Dear Revdex.com I accept the business response even though they still haven't been honest!The only reason they are giving me the receipt I have been asking them for OVER and OVER again, is because Revdex.com stepped in.Which shouldn't of been necessary had they taken care of the compliant directly through them.They have lied to Revdex.com alsoThey never sent it to my email, and they know they don't have proof of it ever delivered or sent to my email on 04/as they say they did.Thank you Revdex.com for stepping in and getting this handledI know it wouldn't of been handled through them without your help.Convergent Outsourcing is a VERY dishonest business!!!