Why Convergent Outsourcing Has a Lot of Complaints

Convergent Outsourcing is a debt collection agency representing creditors from various industries, including telecommunications, healthcare, and credit card companies. While it is a legitimate company, it has received many consumer complaints. Here are some reasons why:

Aggressive Collection Tactics

Debt collectors, including Convergent Outsourcing, are strictly regulated by The Fair Debt Collection Practices Act (FDCPA). However, some collectors may still use aggressive tactics to collect debts, such as calling consumers multiple times daily, threatening legal action, or using abusive language. These tactics can be intimidating and stressful for consumers, leading to complaints.

Collecting Debts That Consumers Don’t Owe

Convergent Outsourcing has received complaints about collecting debts consumers don’t owe[1]. This can happen if the debt has been sold to multiple collection agencies or if there is a mistake in the collection process. Consumers should always verify the debt before making any payments.


Convergent Outsourcing has also received complaints about harassment, such as calling consumers’ workplaces or contacting their friends and family members[1]. This behavior is prohibited under the FDCPA and can be reported to the Consumer Financial Protection Bureau (CFPB).

What to Be Aware Of

If you receive a call from Convergent Outsourcing, here are some things to be aware of:

Verify the Debt

Before making any payments, verify that the debt is legitimate and you owe it. You can request a debt validation letter from Convergent Outsourcing, which should include information about the original creditor, the amount owed, and how to dispute the debt.

Know Your Rights

Under the FDCPA, consumers have certain rights when dealing with debt collectors, such as the right to request that the collector stop contacting them, the right to dispute the debt, and the right to sue the collector for violations. Knowing your rights can help you protect yourself from harassment and abuse.

Keep Records

Keep a record of all communications with Convergent Outsourcing, including phone calls, letters, and emails. This can help you dispute any inaccuracies or violations of the FDCPA.

What to Do If They Violate Your Rights

If Convergent Outsourcing violates your rights under the FDCPA, you can take the following steps:

File a Complaint

You can file a complaint with the CFPB or the Better Business Bureau (BBB). Provide as much detail as possible about the violation, including dates, times, and the collector’s name.

Contact an Attorney

You can also contact an attorney who specializes in debt collection harassment. They can help you understand your rights and options and may be able to represent you in a lawsuit against Convergent Outsourcing.

Knowing Your Rights Against Convergent Outsourcing

As a consumer, you have the right to be treated fairly and respectfully by debt collectors, including Convergent Outsourcing. If you are being harassed or abused by a debt collector, you can take action to protect yourself and your rights. Verify the debt, know your rights, keep records, and take action if your rights are violated.


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