Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. She will most likely say she will check with another department and get back to you. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. I decided to call Sprint today. If they agree that the entry is inaccurate, theyll remove it from your credit report. Do I handle the debt through Convergent? Further information is available in our FICO Data Privacy Policy. Improving your credit takes time, but its worth it. Phone (877) 317-1200; They are currently debiting my bank account to satisfy an account they declare I previously had ownership of that I do not recall. He said all he could do was put this note in my file. They're just trying to meet their own metrics. I paid $834.26 directly to Sprint on July 5th and received a confirmation number of 123456789 for my payment. - Tell them you want to pay in full directly for your old bill. Convergent Outsourcing, Inc. is a debt collection agency. They are more diverse with the types of debts they collect than most collection agencies. I'm down to one last account, and would like some guidance on how to tackle it. Further information is available in our FICO Data Privacy Policy. Learn more about how we make money. They said according to sprints policy they cannot delete from the trade line. Sprint sent account to collections, Convergent Outsourcing. It dropped off after a while. This company doesn't seem reputable. So from what I am seeing, either way, Convergent can legally have it on your report. Look at all the reviews. I had a Spring sent to ERC. I ended up paying the entire balance through sprint in order to get account removed. If you havent received proof of payment within two weeks, please check your junk/spam box in your email to make sure it doesnt appear there. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. They actually are a debt collections agency. Renton Washington, Convergent Outsourcing Inc bill scam/fraud Renton Nationwide, palisades collection convergent outsourcing, inc I recived a bill today in my name but with my x husbands last name spelled wrong for an at&t bill, I have never had at&t service, I called to dispute it & all I got was them wanting to confirm who I was on a recording & wanting payment for over $400.00 !! Convergent Outsourcing is a large debt collector with offices in several cities in the US and in Central America. If you have questions about how making a payment will affect your credit score specifically, we encourage you to contact the credit bureau, If you have questions or need to make a change to your account. Consumers love to do business with someone that can admit mistakes and state how they made improvements. If you make this agreement, you MUST have it in writing, if it isn't is writing, there is no agreement. I've slowly over the past few years been getting some negative information removed from my credit report. Was just about to apply for an apartment and bam, get hit with a collection the same amount of the ones I just paid off. We sent you several validation notices. Once you reach an agreement, ask to get the terms sent to you in writing via certified mail, and dont make your first payment to Convergent Outsourcing until you receive it. FTC's website on credit. ". Houston Texas, convergent convergentusa, convergent outsourcing inc Attempting to collect on a 23 year old debt wixom Michigan, Convergent Outsourcing, Inc. Verizon Wireless overdue, haven't used that mobile company in 6 years. General statment of, "according to sprints policy we cannot delete it. Maryland Residents: This agency is licensed as NMLS ID # 930053. I'm looking to buy a new car soon, and I know the collection removal will help me get a better rate on a loan. Convergent Outsourcing has many complaints against it on file with the Consumer Financial Protection Bureau and the Better Business Bureau, mostly regarding: These violate the Fair Trade Commission-mandated Fair Debt Collection Practices Act (FDCPA). Just because you paid Sprint off doesn't mean that it gets it off your report. If you cant find your letter or you havent received one, you can get your account number by calling Convergent Outsourcing at 1-800-444-8485. says who it is but nobody is ever on the other end of the line. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. If so, what's the best way to have them do this? Guaynabo, PR 00968. this link is to an external site that may or may not meet accessibility guidelines. Ive seen many threads which detail how to remove this account by paying the original creditor, however my mom went ahead and paid convergent directly. When I left Sprint in late 2015, all my devices were sent to T-Mob as trade-ins. Convergent Outsourcing and its agents are not credit specialists. If you would like to see more Rip-off Reports on this company/individual, search here: Read more reports about Convergent Outsourcing, Inc. they cannot deliver what they say an insane amount of money Pittsburgh Pennsylvania, Attorney Sharon K. Campbell COLLUDES with Wells Fargo Dallas Texas, BlackSwanCapital.co Black Swan Enterprises Peter Tumbas Black Swan Capital The offered guaranteed low-cost financing if I first stepped in high-cost short term financing New York New York, Geeks Ondemand LLC, Lizeth Lagomarcino Papaleo Geeks Ondemand LLC, The Geeks Mob SCAM! This morning I received a phone call from a debt collections agency Convergent Outsourcing. Convergent Outsourcing, Inc. is a debt collection agency. In full! Advertisers above have met our For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Convergent Outsourcing can only contact you under the specifications of the FDCPA. Its location on this page may change next time you visit. With account paid and settled. Convergent Outsourcing, Inc Scam Collection for Sprint Renton Washington. If they say yes, you have something to fall back on. which I'm still thrilled about-fact is had I paid my bill on time and not defaulted I wouldn't be trying to clear it up haha so it all worked out. For more information or to verify license status, visit the NMLS Consumer Access website at https://www.nmlsconsumeraccess.org/. North Carolina Residents: This agency is licensed by the North Carolina Department of Insurance, Company Number: 119507691, 119500362, 119500979, 119500976, 119506893, 119507004, 119506891, 119506890, 119506889, California Residents: California license pending. ** If a lady or someone else calls you and says they can't delete, be very nice, but let her know you know it is possible because you know of other people that just had it done. Companies across the United States contact us to help them recover debts. This company Is willing to settle for half of what they say I owe. Work with Lemberg Law out of Wilton, CT. Calls coming from Atlanta, Georgia. In business since 1950, Convergent is one of Americas leading collections agencies. The records of Verizon Wireless show that your balance of $38.63 is due in full. REBUTTAL BOX All rights reserved. So i tried a lot and they wont do PFD, should i just pay to sprint and they would just have to delete the collections from my report ? This reply is in response to your complaint we received from the CFPB. He said he was looking for Teresa **. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! I just went through this, except the CA for mine was ERC. If Sprint is willing to take payment, they will recall the debt from Convergent, Convergent has to remove the account since they no longer have rights to collect, and sprint has no reason to re-add the debt since they are paid off.(sprint re-adding the collection is the unsure part), Not gonna say 100% but this is how it worked with T-Mo. Really think they have likely moved/moving to T-mo collection policies. Our content is intended to be used for general information purposes only. I know this thread is a few months old but I thought I'd share my experience. They need to be investigated for fraud!!! They were one of my last collections some months back and although my situation is slightly different, they removed the collections on my report immediately when I settled with them. I told him I have had this number for 18 months, do not know anyone by that name and I was going to report him, which I did. If someone knows please reply. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Whatever the reason, make sure youre sincere and friendly in your letter, as Convergent Outsourcing are unlikely to grant your request if youre demanding and angry. File your review. I'm suprised they just won't delete it since it's paid and they were notified. You can send a debt validation letter to Convergent Outsourcing asking it to confirm details of the debt, including: You can use a template if you need help writing your own letter. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Then I tried to prompt it to let me talk to someone, & a recording came on that only said the name of the company & it hung up on me, I called at&t & they had no record whatsoever of me being a customer of theirs. Renton Washington, Bank Fraud, Credit Card Service, Collection Agency, Convergent Convergent Outsourcing Inc Sent me a notice stating they are gving me an opportunity to settle debt of $5,198.45 for the sum of $1819.46 Renton Washington, Convergent Outsourcing, Inc. Galaxy Asset Purchasing, LLC Sending Letters and calls for debt collections Renton Washington, Tempoe LLC Convergent Outsourcing Inc. He said this Teresa ** could have had this phone number before it was given to me. I HAVE NEVER OWN A TOYOTA! What's funny is , I've never had any business dealings with Citizens Bank ever Renton Washington, Convergent Outsourcing, Inc. The whole industry is designed around fear and harassment - yet collection agencies buy and sell your debt routinely. We appreciate the opportunity to respond to your concerns. Englewood Cliffs New Jersey, CONVERGENT OUTSOURCING, INC. ATERSO01 They sent me a bill, stating I'm past due with Rbs Citizens, NA. RENTON Washington, Convergent Outsourcing Inc. Galaxy Asset Purchasing, LLCUnited Credit National Bank I got a call from Convergent saying I owed THEM $3,753.23; when I asked them what for, they said it was for a bank account I had in 1995 that I took a loan from the internet on. What the BBB has done to consumers for over 100 years is one of the many reasons why Ripoff Report was created. Drug Rehab Deception Addiction Treatment Industry Rocked By Fraud & Abuse. I confirmed with T-Mobile that my account is 0. Since I paid what I owed to Sprint how can they possibly own this debt? If it was sold, Convergent has the legal right to collect and to post on your reports. But, when I asked directly who she represented, she said she represented Convergent. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. I was able to settle account for $500, which is a victory as the original amount was $1083. This can vary for each state but generally means they can't call before 8 a.m. or after 9 p.m. local time, unless you've requested that they call outside of those hours. Some people have been lucky and it was deleted right away, though. If you would like to make payment online instead of over the phone, you may do so on our website. My secondary goal is to get this removed ASAP. I then, on my own terms, proceeded to pay on my account whatever I could afford via their website. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. I got a letter from these people saying that I owe T-Mobile $57.00. I made arrangement to pay for some equipment for renting it, I did not owe them any money. If you have questions or need to make a change to your account. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Why do these companies have such power to impact your credit so easily. Do you owe Convergent Outsourcing money? @new_earthThank you for sharing. I got the collection agency's name and with that emailed them for an account number. Dorado, PR 00646, Metro Office Park IN 3 WEEKS THEY SENT 3 OF MY RECIPIENTS DEAD FROZEN TINY BOUQUETS calgary, Ponce motors Deceptive car sales Austin Texas, Nextiva efax overcharged me for an entire year even before the monthly trial expired able to use the service at all. Maryland Residents: This agency is licensed as NMLS ID # 930053. FAQs They are now reporting the account as $0 balance but refuse to remove the account . You may try a GW campaign with OC. Copyright 1997-2023 Ripoff Report. They are supposed to do that when it's paid. As Convergent Outsourcing, Inc., we operate as a third party debt collector for our clients. So yeah. How long does it take for my credit report to update after I make a payment. After multiple calls, transfers, and explanations and explaining to each agent: THIS IS A FRAUDULENT CLAIM; AGENTS ALWAYS HANG UP ON ME WITHOUT RESOLUTION. It collects on behalf of companies and businesses in a variety of industries, including: Although its incredibly annoying, Convergent Outsourcing is a legitimate business and not a scam. If your attempt to remove an entry due to inaccuracies is unsuccessful, you can try to negotiate a pay-for-delete settlement. Many companies featured on Money advertise with us. Our clients the companies you originally incurred the debt with contract with us to follow up on and secure the outstanding debts you may owe them. 2 years later they are contacting me saying I owe them money. As an accredited agency, all of our representatives are thoroughly trained on customer service and Fair Debt Collection Practices Act compliance. Arm yourself with this knowledge so you can negotiate with Convergent Outsourcing, or any other debt collector, confidently. However, there may be instances where credit reporting agencies take a few weeks to provide updates. If so how did you proceed? The original creditor is Sprint (cell phone company). This outsourcing the initial collections is not that uncommon. I let him know I didnt make this bill. The letter needs to explain the reason for your late payment and why youre requesting removal. Be the first one to find this review helpful. So I called the number listed he ask for last 4 of my SS# and address. The account is in the amount of $621. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. And that my Identy had been stolen last year. As an accredited agency, all of our representatives take part in a thorough customer service and Fair Debt Collection Practices Act (FDCPA) compliance training program, which we follow up with ongoing training and quarterly testing. It took a few people and tries but they are finally deleting. Your account number is located on the top right-hand side of the letter sent to you from Convergent; it will start with a letter of the alphabet followed by a number (i.e. I'm going to keep trying but need some insight or anyone with experience that has had success with a PFD. In response to this complaint, your account will remain reported to the credit bureaus with accuracy. I am not paying them another dime. Seemed reasonable, but what a scam. Ripoff Report has an exclusive license to this report. Convergent Outsourcing, formerly ER Solutions, is a U.S.-based debt collector. More details on software and accessibility are available at WebAIM.org. https://www.convergentusa.com/outsourcing/page/is-convergent-outsourcing-a-scam So, now I'm not sure how to handle this. We also understand that you may be hesitant to give your information over the phone or online. I have not had business with Dish for over 3 years and left them with a $0 balance. ConsumerAffairs is not a government agency. Least it wont be counted as owed any longer and can age off in time. They told me to contact their collections people. I wouldn't bother paying or contacting Convergence at all, they will probably be no help. Renton Washington, Convergent Outsourcing Inc. Scam- Trying to collect a paid AT&T account from 16 years ago Renton Washington, Convergent Outsourcing, Inc. See reviews below to learn more or submit your own review. I'd only worry if they fail to indicate that you paid the debt. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. On 07/06/2020, Sprint notified our office of a payment in the amount of $834.26. This scenario has been reported to federal bureaus, Trustpilot, Resolver and now you. Additional original Creditor they claim to represent is PayPal Account from Comenity Capital Bank, additional website to pay your account www.payconvergent.com. Doubt they will remove it. We believe in customer service and want to make it easy as possible for people to pay the debts they owe. Convergent Outsourcing, Inc. is a third party debt collection agency and member of ACA International with over 60 years of experience in the collections industry. Collection companies typically only agree to this if you paid the debt and havent made any late payments since. If this is the case, consider contacting a professional credit repair company. https://www.ripoffreport.com/reports/convergent-outsourcing-inc/renton-washington-98057/convergent-outsourcing-inc-scam-collection-for-sprint-renton-washington-1174751, Convergent Outsourcing, Inc. Convergent Outsourcing, Inc. CONVERGENT OUTSOURCING FRAUDULENT COMPANY Renton Washington, Convergent Outsourcing, Inc. Convergent Mailed me a notice to collect a debt that doesn't exist. As an accredited agency, all of our representatives are thoroughly trained on customer service and Fair Debt Collection Practices Act compliance. Sprint "The level of success achieved by most businesses can be directly correlated to the extent success is attained within the contact . I asked if she was sure and she said yes. The issue is, I never had an account with Sprint. For more information, read, How to Remove First Federal Credit Control from Your Credit Report, How to Remove First National Collection Bureau, Inc. from Your Credit Report, How to Remove Frontline Asset Strategies from Your Credit Report, How to Remove DCM Services from Your Credit Report, How to Remove FMA Alliance from Your Credit Report, remove the collection entry from your credit report, How to Remove Convergent Outsourcing from Your Credit Report, Telecommunication suppliers such as Sprint and T-Mobile, Failing to respond to debt validation requests. Our systems are updated and employees are informed when there are any changes made to the collection statutes. Convergent Outsourcing, formerly ER Solutions, is a U.S.-based debt collector. It often has more success because of its industry knowledge and negotiation tactics. Dont click on those slick Ads! I just got an email from Convergent with a letter attached stating that they've requested all deletion of this trade line from all. Calling you before 8 a.m. or after 9 p.m. Misrepresenting itself or information about the debt, Attempting to collect a debt after the statute of limitations expires, Reporting false information about the debt, Contacting you at work or at a time you say is inconvenient, Contacting friends, family or coworkers regarding your debt, Calling you after you request contact through U.S. Mail only, You pay the debt to Convergent Outsourcing, Convergent Outsourcing deletes its entry on your credit report. Convergent Outsourcing does not accept payment in exchange for credit deletion. I would discuss with them there was no contract. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. Its possible that the information Convergent Outsourcing has regarding your debt is incorrect or that the debt doesnt even belong to you. I told them I had never had an account with this place and have NEVER owed such an amount to anyone. In business since 1950, Convergent is one of Americas leading collections agencies. For more information or to verify license status, visit the NMLS Consumer Access website at https://www.nmlsconsumeraccess.org/. Im really trying to overcome some debt and past bad decisions and just when I was clear I get smacked with another collection. |, Check your search kayConvergent Outsourcing, Inc. Who's crazy enough to start this website? I had an unpaid bill with Sprint that was sent to Convergent Outsourcing. thanks, just paid it. It doesn't erase the existence of the debt. Hence, the persistent phone calls and emails. They include a place for you to fill out your CC information or bank account information and smoothly send in the money. Please call us at 1-800-444-8485. Therefore, its important to understand your consumer rights to prevent Convergent Outsourcing from walking all over you. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. We value your privacy. I would just continue trying and hope to get someone who will delete. I would even consider pay for delete in full. It depends on how much they gave access to their system to Convergent. It's not like the person on the other end of the phone actually cares about you or your debt, or your problems. It's advisable to send a debt validation letter via certified mail to get confirmation of receipt and to create a paper trail. I canceled account with sprint on june 14, didnt payoff devices immediately and now since 7/28 i have convergent outsourcing on my reporting not willing to discuss removal at all. There are plenty of articles available if you want more information and tips on how to improve your credit and reach your financial goals. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer and Worker Protections website, www.nyc.gov/dca. Bryan Sankey's Phone Number and Email Last Update. One of our team members will walk you through the payment process and answer any questions you may have. For more than sixty years, Convergent has worked with clients in process outsourcing, revenue cycle and receivables management. This is the best way to manage and repair your business reputation. Funny thing is that the account they claim I had has never appeared in my credit reports which I keep track of. I just want to know who to pay to make sure things are taken off of my reports. Of course, things are a little different now after the pandemic. A goodwill deletion is where the debt collector agrees to stop reporting the debt out of goodwill.
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