Lawsuit: Convergent Outsourcing Sends Confusing Collection Letter

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Convergent Outsourcing, Inc. is the defendant in a proposed class action lawsuit alleging violations of the Fair Debt Collection Practices Act (FDCPA). The plaintiff in the case says he received a collection letter from the defendant containing an account number that was different from the one previously supplied by his creditor. He further alleges that the letter provided an option to settle the account for 65 percent of the balance and advised him that if the offer were accepted, his debt would be reported as “satisfied in full.” The suit argues that the defendant did not report the debt to any consumer reporting agency and “lacked authority” to guarantee how the forgiveness would be reported. According to the complaint, the defendant’s letter was intended to mislead the plaintiff and “obtain a quick payoff on an aged account without regard to [the plaintiff’s] rights.”

The complaint then notes that when the plaintiff attempted to log in to the defendant’s online payment system, the website provided him with yet another account number, causing him further confusion.