Complaint Review: Convergent Outsourcing Inc. -

I got a call a little after the 1st of the year from a company that did not even give me their name at first.  They said they were trying to collect a debt I had from a bank wherein I had taken an online loan from for Principal $1,679.10, interest 2,074.13, Balance 3,753.23.  I told them I had never taken on online loan out in my lifetime.  I am 62.  After questioning them about who the creditor was, and not getting anywhere with that, I told flat out "Send me the paperwork.!"  A few weeks later I received a statment from Convergent Outsourcing, Inc. with an address in Renton, WA, but the return mailing address was totaly different  in Wixom, MI.  It had the information contained above regarding a bank as the original creditor listed as United Credit National Bank, and the creditor as Galaxy Asset Purchasing, LLC. 

I called immediately and all I got were prompts 1, to make a payment, 2, make a payment with a check from my bank, 3, their mailing address to mail the payment and 4, to find out my balance, or to speak with someone.  I chose 4, and the first time, I got a voicemail stating to leave my number and they would call me back.  They never did.  After a few days, I called again and got the same thing, but did get a chance to talk to someone.  The funny thing was, when I called, right away, when the automated phone on their end picked up, they already knew my number, and said, "if this is, stating my name?"  And, then wanted the last 4 of my social, before I could get to someone.  I thought it odd for any agency to have my telephone # stored in their manual base so that when I called, they knew exactly who I was.  

I talked to a man and told him I had received this bill, and I had no idea who this place was, or who the creditor was.  He said it was from back in 1995, 21 years ago!!!  My son was 12 at the time, as he asked me if I was married, or had kids that could have done this, where i told him my son was too young to even know how to do this!!  Now, instead of a loan from an online bank, it was a bank I was with that gave me a credit card, or debit card.  I explained to him that if I had a bank account, which I did not, that the bank card would only have on it what I had in my account, and that I never, ever had this much money on either a credit card or a bank account, and explained to him that I had the same bank account for 15 years as I was living in FL at the time!!!  He started asking me about if I had ever worked at a certain place, which was 10 years ago, and if I ever banked with a bank I had about 10 years ago.  He seemed to know everything about me 10-15 years ago, but nothing about where I worked or banked today!!  I told him I was disputing this, as I had no idea who or what he was talking about, and he said they would settle it for 60%, and that I had already disputed it on the phone, and the paperwork I got was from the company after they had sent the company my dispute and comments about this bill!!!.  He said also that once he demanded documents from the company, they could no longer settle it for 60% and that I would then have to pay the full amount of $3,753.23???!!!  I told him I didn't care, and that I was not going to pay anyone anything until I knew who and what this was all about.  So, he hesitantly said, okay, I'll tell them again, but let me get my supervisor and see what he says.  He got a little tuffed then, as he said his manager said they would settle it for 60%, but if I were to dispute it - - blah, blah, blah - - and was getting very mad and said, "we already have all your notes and everything, and you owe this money."  I told him I didn't care, and I wanted the documents, judgment, whatever as I had no idea who these people were.  Then, he said over the years, they probably had changed their name, and that's why I didn't recognize them.  I told him, "Fine, I will do a Secretary of State search, as I am a paralegal, and find out who the owner and names of this of these companies were."  He shut up and didn't say anything.  I told him I was working for a criminal attorney in 1995, and I really doubted if I would pull something like this off, as he said it was fraud!!!  As on the statement, it has Creditor:  Galaxy Asset Purchasing LLC, but the Original Creditor is listed as United Credit National Bank!  I said, "There is no bank in the State of FL with the name of UCNB."  And he just didn't say anything.  I told him I checked my credit report all the time, and wanted to know why it was never on there as a charge off, as he said they charged it off in 1995???  Whew!!!  I am going to wait and see what he sends me next, but someone really needs to do something about these people, as they not only sent me and told me I owed this money, but they had information about me from over 10 years ago, not 15 or 20 when the bill was produced, as he said, as he didn't even know I was living in FL at the time for 15 years, but information from where I live now and have lived for the last 15 years.  I am waiting to see what he does next, but I am hoping someone shuts this place down as it is a real operation!!!  Thx.  Justice.