Convergent Outsourcing Inc

Re: ***,*** ID #:*** Convergent Account#: S-*** Galaxy International Purchasing, LLC Account#: *** Debt Description: Providian National Bank To Whom It May Concern, Convergent Outsourcing has received Mr***'s disputeGalaxy International Purchasing, LLCplaced
this account in our office 10/04/to collect a balance on their behalfIn Mr***'s dispute he states that he believes charging interest on an account after it is cancelled is unlawfulAn account can incur interest when it is closed and in collections if it is stipulated in original service agreementConvergent Outsourcing has not charged any interest while this account has been in our officeOn 04/14/2016,Mr*** spoke with an agent in our office and advised that he believed he had paid this account off prior to its placement in our officeThe account was placed in a disputed status and documentation was requested from our clientIn response to this information, the account is in a dispute status so this matter may be investigatedIf Mr*** 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, LLCin an attempt to help Mr*** resolve this matterWe appreciate the opportunity to respond

Revdex.com:I spoke to PayPal various times and confirmed that my account has a zero balanceAfter filing this complaint I was able to reach the collections department at PayPal and provided the account number on the collections letter Convergent Outsourcing sent to me At that time, PayPal confirmed that the account was for a different user, with a different name, address, and social security numberDespite this, I was targeted with an inquiry by Convergent Outsourcing into my credit and was pursued with a collections letterAs such, I had to file this complaint with the Revdex.comI have sent a Certified Return Receipt letter to both Convergent Outsourcing and PayPal detailing this information and requesting that no claim be incorrectly submitted to the credit agencies against my record, that the account be associated with the correct person, and that I not be contacted directly again for someone else's debtI have reviewed the response made by the business in reference to complaint ID ***, and being that their letter indicates they have closed the account and returned it to PayPal I find that this resolution is satisfactory to me.
Sincerely, *** ***

Convergent Outsourcing, Inchas investigated Ms***'s complaintPayPal, Incplaced 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 from Ms***, indicating that she believed the balance to be
fraudulent.In response to Ms***'s complaint, we have closed the account from our office and returned it to our clientWe do not own the account there fore we cannot guarantee resolution.If Ms*** has any further inquiries please have her contact PayPal's customer support at 1-877-380-referencing the client account number listed above

***Documents Attached***Subject: Complaint #*** ***,*** I received a resolution to my complaint, however, COI has yet to remove their collection from my credit report. You can reach me via email or at *** - I know these can be removed same day and I feel this has been enough time to remove. I am in the process of purchasing a home and this is affecting the processPlease see attached:

To Whom It May Concern,Convergent Outsourcing, Inchas received Mr***'s inquiryComcast placed this account in our office 03/31/to collect a balance on of $on their behalfConvergent Outsourcing only collects on balances placed in our office by our clients.We do not attempt to
scam consumers.On 04/22/2016, Mr*** spoke with an agent in our office and requested we send documentation of the balance owed on the account.The account was placedin a disputed status and the collection activity was suspendedOn 04/26/we requested documentation on Mr***'s behalf from our client Comcast.In responseto this communication, we have closedthe account in our office and returned it to our client,ComcastWe do not own the accountand therefore cannot guarantee a resolutionWe will forward a copy of this complaintand our response to our clientIf Mr*** has any further inquiries, please have him contactComcast directly.We appreciate the opportunity to respond

Please view the attached PDF file
ConvergentAugust 09,2016Revdex.comP.OBox DuPont, WA 98327*** *** *** *** ** *** *** *** *** ** *** *** *** ** ***To Whom It May Concern,Convergent Outsourcing has received *** ***
fraud dispute*** placed this account in our office on 03/22/to collect a balance of $on their behalfTo date, this is the first communication we have received from *** *** notifying us that she believes the account to be fraudulentIn response to receiving this communication, Convergent Outsourcing has closed the account as a dispute in our office and returned it to our client We will request our information be removed from the credit bureausWe do not own the account and therefore cannot guarantee resolutionIf *** *** has any further inquiries,please have her contact *** directly, aswe are no longer handling this matter.We appreciate the opportunity to respond

To Whom It May Concern,Convergent Outsourcing has received Mr***'s disputeSprint placed this account in our office on12/05/2016, to collect a balance of $on their behalf.Upon investigation of Mr***'s dispute we were able to identify through Sprint's iCare system thatthe account
*** with Sprint, consisted of three phone linesThe phone lines on this accountwere ***, *** & ***.Sprint's records reflect that the phone lines *** & *** were ported out to a newcarrier on 09/19/The line *** appears to be the same phone number Mr*** hasprovided as a contact phone number to his communication to the Revdex.com.Sprint's records reflect that the third line on Mr***'s account *** remained active untilJanuary 2015.Convergent Outsourcing has placed the account in a disputed status and suspended the collectionactivityWe have attached statements copies obtained from Sprint for Mr***'s reference.We appreciate the opportunity to respond.Respectfully,Sarah K***

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

***, ***File #:***Convergent account#:R-*** account#:***To whom this may concern,Convergent Outsourcing Inchas investigated Mr***'s complaint*** placed this account in our office 11/13/to collect $on their behalfOn 4/16/15, *** made a
credit adjustment of $650, which lowered the balance to $Mr*** secured a settlement offer of $to resolve the account.Mr*** shares his credit report still shows a balance of $but should show $ The credit bureau is reflecting the original amount that was due when the account came to collections.I have reviewed the phone conversations between our agents and Mr***Our agents did inform Mr.*** that our trade line will be removed from his credit report after days from securing the settlement offerWe do regret any misunderstanding that transpiredWe will counsel our agents to be clearer regarding how the credit report will reflect before the deletion on or around daysPlease see the attached E*Oscar form, we have requested the deletion of our trade line from Mr.***'s credit report as of today.In regards to Mr*** stating our agent sounded irritated during his conversation with her, after listening to the phone recording, I did come to the same conclusionWe appreciate Mr*** for bringing this to our attention, we will use this as an opportunity to better train our agents

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

To Whom It May Concern,
Convergent Outsourcing, Inchas received Mr***'s complaintT-Mobile placed this account in our office on 01/23/2015, to collect a balance on their behalf
On 08/31/2016, Convergent Outsourcing was notified Mr*** disoputed this account with the credit bureau
as fraudthis was the first we were made aware of any dispute on this accountThe account was placed into a dispute status and collection efforts were suspended
On 9/03/2016, Convergent Outsourcing updated that status to "disputed" with the credit bureaus
On 9/15/2016, a fraud packet was mailed to Mr***'s address on fileWhen the fraud packet was not returned after days we mailed a letter to Mr***'s advising him the following: "We have received your dispute and have forwarded the information to the original creditorThe have responded and indicated that the charges on the account are validConvergent Outsourcing, Incwill continue to leave this account in a disputed statsPlease send any additional documentation you have have to *** with the subject line "Dispute Dept." or mail to Convergent, Attn: Dispute Dept., ** *** *** ***, ** ***If Convergent has furnished information to any credit reporting agency on this account, we will delete it or update it as disputed."
After reviewing the account we were unable to substantiate the claim that Mr*** ever spoke to our compnay requesting to cease and desistThere has been no verbal contact with Mr***, nor any written correspondence recieved from him
In response to receiving Mr***'s complaint, we have closed the account in our office and returned it to our client, T-MobileWe will request our information be removed from the credit bureausWe do not own the account and therefore cann't guarantee resolutionIf Mr*** has any further inquiries, please have him contact T-Mobile directly
We appreciate the opportunity to respond
Respectfully,
Mattie G***-***
Compliance Representative

Convergent Outsourcing, Inc is attempting to investigate this complaintWith the information provided, I was unable to locate an account in our system.I was unable to locate an active account with the name *** *** listed in the amount of$1867.00I also attempted to locate information
with the address listed in the complaint and did not find any matching information.The phone number provided in this complaint of (*** *** * *** *** also did not locate any information in our system.In this complaint, Ms*** states that Convergent Outsourcing is reporting information on her credit bureauTo locate the account in question we need additional informationPlease provide one or more of the following; Convergent Outsourcing account number, who is the creditor, what is the client account number or the full social security number the information is being reported on.Any available information may be sent to my email address at ***@convergentusa.com, please have Ms*** place her first and last name in the subject line or she may fax the information attention to: Sarah K*** at 206-322-4838.We appreciate the opportunity to respond and look forward assisting Ms*** with resolution

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me They have agreed to remove it from Transunion, Experian and EquifaxPlease remove said account immediately
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:this is not the account in question? And if so this is the not the amount they have documented on my credit report
Sincerely,
*** ***

Dear Mr***, 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*** Compliance Representative

Dear Mr***,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

May27, 2016Revdex.comStation Drive, Ste222DuPont, W A
Case# ***, ***Convergent Outsourcing, Incaccount#: R - ***First Choice Power account#: ***To whom this may concern,Convergent Outsourcing, Inchas received Ms***'s fraud disputeOn
11/19/2012, FirstChoice Power placed this account in our office to collect $on their behalfTo date this isthe first communication we have received on this account notifying us that Ms*** believesthis account was opened fraudulently.We are sorry to hear Ms*** may have been a victim of fraudIn response to thiscommunication we placed the account in a disputed status so this matter may be investigated.The collection activity has been suspendedWe requested our information be removed from thecredit bureaus on 04/26/We will forward a copy of this communication and our response toour client.We appreciate the opportunity to respond.Respectfully,Sarah K***Compliance Representative

To Whom It May Concern,Convergent Outsourcing, Inchas received *** *** fraud dispute*** *** placed this account in our office on 07/19/2016,to collect a balance on their behalf.Convergent Outsourcing is unable to substantiate *** *** claim that she has spoken with a representative
and mailed a letterTo date,this is the first communication we have received on behalf of this accountWe are sorry to hear that *** *** has been a victim of fraud.In response to receiving this information, Convergent Outsourcing has closed the account in our office and returned it to our clientWe will request our information be removed from the credit bureausConvergent Outsourcing does not own the account and therefore we cannot guarantee resolution*** *** may file a fraud claim with *** *** directly, at *** or ***m.We appreciate the opportunity to respond

Re: ***, *** Re #: *** Convergent account#:*** *** account#:*** To whom this may concern, Convergent Outsourcing Inchas investigated Mr***'s complaint*** placed this account in our office 4/28/to collect $on their behalfOn 4/30/a payment was
made to *** for $leaving a residual balance of $72.42.We contacted *** and found that this account was not settled, and the remaining balance is dueConvergent is a collection agency that collects on past due balances placed in our office by our clients, we do not attempt to scam consumersIn response to Mr.***'s complaint, we have closed and returned the account to our clientWe have also requested our information be removed regarding the above referenced account from Mr***'s credit reportWe do not own this account, and therefore, cannot guarantee this account is resolved, we suggest contacting to *** to ensure a resolution is foundConvergent is no longer handling this accountWe appreciate the opportunity to respondRespectfully,

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
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