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Business Profile

Collections Agencies

Convergent Outsourcing Inc

Headquarters

This business is NOT BBB Accredited.

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This business has 1 alert

Complaints

This profile includes complaints for Convergent Outsourcing Inc's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 548 total complaints in the last 3 years.
    • 24 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/10/2022

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with COMENITYCAP/ALPHCOS and do not have a contract with convergent. They do not provide me with the orginial application like I asked.

      Business Response

      Date: 08/15/2022

      Dear **********************,

      Because responses are publicly posted on the BBB 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 dont hesitate to contact us at the contact information provided on the uploaded response.   


      Respectfully submitted,

      *******************
      Consumer Affairs Manager

    • Initial Complaint

      Date:08/10/2022

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with JPMCB CARD and do not have a contract with convergent. They do not provide me with the orginial application like I asked.

      Business Response

      Date: 08/15/2022

      Dear **********************,

      Because responses are publicly posted on the BBB 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 dont hesitate to contact us at the contact information provided on the uploaded response.   


      Respectfully submitted,

      *******************
      Consumer Affairs Manager

    • Initial Complaint

      Date:08/10/2022

      Type:Customer Service Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ******** and do not have a contract with convergent. They do not provide me with the orginial application like I asked.

      Business Response

      Date: 08/17/2022

      Dear ************,

      Because responses are publicly posted on the BBB 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 dont hesitate to contact us at the contact information provided on the uploaded response.   


      Respectfully submitted,

      *******************
      Consumer Affairs Manager

      Customer Answer

      Date: 08/17/2022

       
      Better Business Bureau:

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

      Sincerely,

      ***********************

    • Initial Complaint

      Date:08/10/2022

      Type:Billing Issues
      Status:
      Unresolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have reached out to Convergent Outsourcing via email as well as sent multiple letters to validate the debt they are reporting to all 3 credit bureaus (TransUnion, Equifax, and Experian) they have not responded to any of my communication attempts with proof of debt. I do not owe any debt with convergent outsourcing. I have not signed any agreements nor will they provide any documentation or contracts from the claimed debt they are reporting on my credit reports.

      Business Response

      Date: 08/17/2022

      Dear ****************,

      Because responses are publicly posted on the BBB 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 dont hesitate to contact us at the contact information provided on the uploaded response.   


      Respectfully submitted,

      *******************
      Consumer Affairs Manager

      Customer Answer

      Date: 08/23/2022

       
      Complaint: 17701677

      I am rejecting this response because:You are reporting inaccurate information. You are showing a balance owed onEquifax report as ***** and a balance owed with Experian as *****. They cannot both be accurate as you stated in your response. Please delete this from my reports as this information cannot be correct. This is a fraudulent account but Per the Credit Reporting act all information reported must be accurate and you are claiming it is but that is false because both amounts cant be different if it is accurate. 
      Sincerely,

      *************************

    • Initial Complaint

      Date:08/09/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      15 U.S.C **** Section 602 (A) States that I do have a right to privacy.15 ************************** Section 2: Also States that a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C **** (C) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

      Business Response

      Date: 08/18/2022

      Because responses are publicly posted on the BBB 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 dont hesitate to contact us at the contact information provided on the uploaded response.


      Respectfully submitted,

      *************************
      Consumer Affairs Advocate

      Customer Answer

      Date: 08/18/2022

       
      Complaint: 17695672

      I am rejecting this response because:

      Sincerely,

      ***********************;

       

      I have included a copy of my credit report TXU Energy session is in blue color when you look at this report Transunion and Experian shows that this debt is paid but Equifax is reporting something totally different. It says that this account was opened on 10/01/2013 by two Bureaus but Transunion says open date is 10/10/2013 so which one is the correct date? Just so you know that I did not receive any validation letter for this account. Can you please provide me the original signed document and the last **** with my name on it, to prove that the debt is my. Last date reported: Transunion says 07/29/2020, Experian 06/12/2020 then Equifax reported 06/01/2022. According to the **** all 3 Bureaus must be 100% accurate all information must be the same from one to other as you can see so many violations on this credit report. Date of last active: Transunion 07/29/2020, Experian 06/01/2020 then Equifax 02/01/2018 inaccurate! Date of last payment Transunion 07/29/2020 Experian 06/12/2020 Equifax no date yet another violation. If the credit Bureaus can not give accurate reports I strongly ask them to delete this account from my credit file or correct all the inaccuracies thank you for cooperation. 

      Business Response

      Date: 08/31/2022

      Because responses are publicly posted on the BBB 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 dont hesitate to contact us at the contact information provided on the uploaded response.


      Respectfully submitted,

      *************************
      Consumer Affairs Advocate

    • Initial Complaint

      Date:08/08/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions 15 *********** Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C ****b identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;(2)not state that such consumer owes any debt;(3)not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;(4)not communicate by post card;(5)not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and (6)after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

      Business Response

      Date: 08/16/2022

      Dear ************,

      Because responses are publicly posted on the BBB 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 dont hesitate to contact us at the contact information provided on the uploaded response.   


      Respectfully submitted,

      *******************
      Consumer Affairs Manager

    • Initial Complaint

      Date:08/08/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On April 9, 2022, Convergent Outsourcing received my certified letter requesting validation of the account listed as *********** on my credit report. This collector never provided me with an initial notice, nor did they reply to my request for verification after my letter of dispute. I first discovered this account when reviewing my credit report for accuracy. I did not recall having an obligation to any collector in the amount the debt collector is alleging. Under Texas Consumer Law, where a consumer has disputed the accuracy of an account in writing to a third-party debt collector, the debt collector is mandated to send a letter in writing to the consumer within 30 days either: (1) Denying the inaccuracy of the account; (2) Admitting the inaccuracy; or (3) Stating that the third-party collector has not had adequate time to investigate the inaccuracy. See ***** Finance Code 392.202(a)(3). I did not receive a response to my request for information or documentation within this specified 30 days.Meanwhile, due to the debt collector's willful negligence, I suffered significant damages, statutory as well as actual. By failing to reply to my request, the debt collector essentially denied me the opportunity to make a decision where I could have taken steps to resolve the matter. I am respectfully requesting the removal of the invalidated account at once. I am making every effort to resolve this matter without presenting my case before a courtroom jury.

      Business Response

      Date: 08/16/2022

      Dear ************************,

      Because responses are publicly posted on the BBB 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 dont hesitate to contact us at the contact information provided on the uploaded response.   


      Respectfully submitted,

      *******************
      Consumer Affairs Manager

    • Initial Complaint

      Date:08/08/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under *** ****g, delete this within 15 days.CONVERGENT OUTSOURCING Account #******** Bal:$1,099.00

      Business Response

      Date: 08/16/2022

      Dear ****************,

      Because responses are publicly posted on the BBB 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 dont hesitate to contact us at the contact information provided on the uploaded response.   


      Respectfully submitted,

      *******************
      Consumer Affairs Manager

    • Initial Complaint

      Date:08/08/2022

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I AM NOT FOR THIS DEBT AND I DO NOT HAVE THE CONTRACT WITH CONVERGENT OUTSOURCING PLUS THEY DO NOT PROVIDE ME THE ORIGINAL APPLICATION LIKED I ASKED

      Business Response

      Date: 08/15/2022

      Dear **********************,

      Because responses are publicly posted on the BBB 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 dont hesitate to contact us at the contact information provided on the uploaded response.   


      Respectfully submitted,

      *******************
      Consumer Affairs Manager

    • Initial Complaint

      Date:08/08/2022

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I was told by two of convergent outsourcing agents that after I have paid off my balance with them they would delete the collection on my report after 30 days. Now my balance has been paid off Im now being told a different story that they do not delete report but only update the credit report. This wasnt what I was told before I made my payments. I called them twice to make sure it was gonna be deleted which I was told twice that it will. I would like for this to be taken off my credit report like I was told initially before I made my payments.

      Business Response

      Date: 08/23/2022

      Dear ***************************,

      Because responses are publicly posted on the BBB 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 dont hesitate to contact us at the contact information provided on the uploaded response.   


      Respectfully submitted,

      *******************
      Consumer Affairs Manager

      Customer Answer

      Date: 08/23/2022

       
      Better Business Bureau:

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

      Sincerely,

      Ayopeju Olooto

    Convergent Outsourcing Inc is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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