Never received any letter from them. Just a daily phone call from the same number since the middle of 2013. I've never answered so I don't know what the message is.
In the past three years I've borrowed money to build a house and buy 3 cars. My credit rating is above 800; so there are no outstanding debts on my credit report. This company will attempt to blackmail people into giving them money under the threat of filing false unpaid debts against your credit report.
Most the time they do not know who they are calling. They want you to return their call so they can get a name. They will then search your credit history and search for a credit card bill that can go back 10-15 even 20 years ago. Now they have a name and credit history that they will exploit. They will claim you had a credit card debt from 1995 that you never paid, and they want proof that you paid it. (Who keeps a paid receipt for over 20 years)?
Now that you talked to them, they can legally document that they contacted you and that you are a deadbeat; then they will falsely file against your Credit Report in an attempt to blackmail you into paying them on some bogus bill that you do not owe.
I don't want to file against them because I don't want them to know my name. Call blocking is easier but I do appreciate all your advice.
Don't know why these idiots keep calling me, everything I own is paid for and I have never defaulted on a loan. I figure they're just another scam company. BLOCKED
As of today, this company has called my home phone 658 times over the last 3 years. Nearly one call every week day and sometimes on Sunday mornings around 5-7 AM. Even though I have never answered the phone and even though I have blocked their calls for two years, their number continues to show up in my call-blocked list once a day. I do have to admire their stubborn stupidity.
So how many more calls are you going to put up with before you assert your rights? I certainly would have sued them by now. Multiple violations including calling before 8 am your time and failing to send you the required letter (or did they and you ignored it?). You are passing up a big paycheck from them. So you can do the following or you can put up with the aggravation. Your choice.
You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.
CONVERGENT OUTSOURCING AKA CONVERGENT RECEIVABLES MANAGEMENT AKA CONVERGENT RESOURCES AKA ER SOLUTIONS
Posted In: http://800notes.com/Phone.aspx/1-208-779-3248
http://800notes.com/Phone.aspx/1-202-808-7200#p836428347616898904
http://800notes.com/Phone.aspx/1-855-285-5160#p850980769580877291
http://800notes.com/Phone.aspx/1-303-214-0774
http://800notes.com/Phone.aspx/1-949-777-5501#p868226418882302566
http://800notes.com/Phone.aspx/1-949-333-0685
http://800notes.com/Phone.aspx/1-312-379-8674
http://800notes.com/Phone.aspx/1-817-585-2568
http://800notes.com/Phone.aspx/1-505-348-3281
http://800notes.com/Phone.aspx/1-702-583-3532/2#p884317818524420853
http://800notes.com/Phone.aspx/1-614-607-6950
http://800notes.com/Phone.aspx/1-305-894-1112
http://800notes.com/Phone.aspx/1-410-864-3253
http://800notes.com/Phone.aspx/1-877-495-1261
http://800notes.com/Phone.aspx/1-603-263-7048
http://800notes.com/Phone.aspx/1-603-263-7097
http://800notes.com/Phone.aspx/1-206-777-1953
http://800notes.com/Phone.aspx/1-469-265-3058
http://800notes.com/Phone.aspx/1-800-903-2319/9
http://800notes.com/Phone.aspx/1-215-220-4748/2
http://800notes.com/Phone.aspx/1-323-331-9683
http://800notes.com/Phone.aspx/1-916-431-0748
http://800notes.com/Phone.aspx/1-713-496-3832/3
http://800notes.com/Phone.aspx/1-502-654-6254
http://800notes.com/Phone.aspx/1-323-331-9693
http://800notes.com/Phone.aspx/1-800-903-2319/10
http://800notes.com/Phone.aspx/1-215-220-4743
http://800notes.com/Phone.aspx/1-877-606-6900
http://800notes.com/Phone.aspx/1-410-864-3254
http://800notes.com/Phone.aspx/1-770-870-1056
http://800notes.com/Phone.aspx/1-469-265-3049
I have to wonder why a “legitimate company” would need so many different phone numbers to conduct business.
Web site lists no contact info, but lists the name as Convergent Receivables Management: http://www.convergentusa.com/contactus/contact-form.php?d=4
Ok, this is a strange company record. According to their web site, they are located in Atlanta, Ga and have been in business since 1955.
Now the BBB gives them an B- rating with 1124 complaints and 30 negative reviews (how does that pan out) They also say that the business was established in 1950, that they are headquartered in Washington State, and that they are registered with the Washington Dept. Of Revenue: http://www.bbb.org/western-washington/busines ... enton-wa-501066
So if you go to the Washington State web site and look up their corporation, it indicates that they were formed in 2013:
CONVERGENT OUTSOURCING, INC.
UBI Number 603319184
Category REG
Profit/Nonprofit Profit
Active/Inactive Active
State of Incorporation WA
WA Filing Date 07/22/2013
Expiration Date 07/31/2015
Inactive Date
Duration Perpetual
Registered Agent Information
Agent Name CT CORPORATION SYSTEM
Address 505 UNION AVE SE STE120
City OLYMPIA
State WA
ZIP 98501
Now that is the corporation that is active, the other corporation with that name is inactive but was owned by the same person:
UBI Number 600059082
Category REG
Profit/Nonprofit Profit
Active/Inactive Inactive
State of Incorporation WA
WA Filing Date 01/11/1972
Expiration Date 01/31/2014
Inactive Date
Duration Perpetual
Registered Agent Information
Agent Name STEVEN J HUNTER
Address 800 SW 39TH ST
City RENTON
State WA
ZIP 980579004
Special Address Information
Address PO BOX 9004
City RENTON
State WA
Zip 980579004
Bizapedia has them as forming in 1972 and still active, although that date would apply to the inactive corporation (confused yet? I am): http://www.bizapedia.com/wa/CONVERGENT-OUTSOURCING-INC.html
The following are complaint sites:
http://www.whoscallingnotes.com/listings/puget-sound-energy/800-772-1169/ Some say that it is the electric company, but there are posts that say they have no account with them.
http://www.ruscammer.com/8007721169/index.html this site seems to agree that it is a scam
http://www.privacystar.com/lookup/800-772-1169 this site claims it is Convergent Outsourcing
As does this one: http://www.fschulmanlaw.com/800-772-1169.phtml
But I would say the proof is this Chamber of Commerce page that lists these criminals in Washington and has that very same phone number listed for it: http://chamber.gorenton.com/list/member/convergent-outsourcing-inc-1299
• Collection Agencies
Convergent Outsourcing, Inc.
800 SW 39th Street
Renton, WA 98057
(425) 562-9720
(800) 772-1169
(206) 340-4003 (fax)
Description of the business from Hoover’s:
http://www.hoovers.com/company-information/cs ... 80233d315d.html
“Convergent Resources strives to avoid a divergence when it comes to collections. The company and its subsidiaries provide accounts receivable management, collection, and customer care services to a variety of industries throughout the US. Clients include banks and financial institutions, retailers, utilities, and telecommunications, cable, and satellite providers. Its Convergent Revenue Cycle Management division offers health care industry collection services to hospitals, helping them recover payments from insurers and other creditors. Convergent Outsourcing provides consumer accounts receivable services. Convergent Commercial is a commercial collections agency.”
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
As well as the Washington State AG's Office: http://www.atg.wa.gov/
and the Washington State Department of Financial institutions: http://www.dfi.wa.gov/
See Big A's post below for the company information. You need to send them a Cease & Desist letter via certified return receipt USPS mail.
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.
Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html
https://www.ftc.gov/news-events/press-release ... rtners-announce
Follow the steps in what you need to know here:
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
https://www.consumer.ftc.gov/blog/dont-recognize-debt-heres-what-do
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350