How to Report a Collection Agency or Debt Collector for Harassment

If you believe that you are being harassed or treated unfairly by a debt collector, there are actions you can take. The Fair Debt Collection Practices Act was put in place to protect the consumer from unlawful collection practices. Follow these instructions to help protect yourself and others from these debt collection scams.

Find out if the collection agency is in violation of the FDCPA.

There’s a lot of confusion about what is and is not legal for collection agencies. This is why it is important to be well versed in the laws surrounding the industry. Before you move forward with reporting a debt collector, you want to make sure they are in fact breaking the law. To find out more about what these laws are and what collection agencies can do, check out these articles:

Debt Collection Laws & the Statute of Limitations

The Fair Debt Collection Practices Act regulates how collection agencies may contact consumers about a debt. For example, debt collectors may only call between the hours of 8am and 9pm in the time zone in which you reside. This law also mandates that if you submit a formal request in writing to stop the calls, the collections agency must do so.

Learn more about debt collection laws

The Do’s and Don’ts of Debt Collection

In most cases, it's legal for debt collectors to contact you via phone or email, come to your door and even call you at work.

Learn more about legal debt collection practices

Report an Issue to Convergent Outsourcing

If you have been contacted by Convergent Outsourcing, know that we are one of America’s leading collection agencies with more than sixty years of experience. If you are experiencing an issue with us, please contact us directly and we will work to resolve the issue!

Please review the following information and contact the correct department. If you contact the wrong department, it may cause us a delay in getting back to you in a timely manner to resolve your issue.

Complaints	"I spoke with a Convergent representative, and they were rude to me."	File a complaint if you feel you have been treated unfairly or poorly by Convergent Outsourcing or an agent at our company.	Make a Complaint
Disputes	"The balance on my letter is incorrect."	If you do not believe the information provided to you from Convergent is correct or if you have already paid this debt, file a dispute.	File a Dispute
Fraud	"I have never had services from this creditor, but my personal information matches up."	If you believe an individual has used your personal information fraudulently to incur a debt, let us know.	Report Fraud
Bankruptcy	"The debt in this letter was taken care of in a previous bankruptcy I filed.."	If you are filing for bankruptcy, we want to know so that we can adjust our communication appropriately.	Contact Us
Stop Calls	"Please just stop calling me."	If you want to stop calls from Convergent Outsourcing for any reason, you simply have to submit a written request.	Online Form

How to Stop Debt Collector Harassment

Under the law, what is considered harassment and how can you stop it? Learn more about what qualifies as debt collection harassment. If you are being harassed, use the steps below to end the harassment:

File a complaint with the Consumer Financial Protection Bureau. If you’ve done your research and have found the collection agency to be in violation of the FDCPA, the next step to take is to file a complaint with the Consumer Financial Protection Bureau. The CFPB is an independent government agency responsible for enforcing the laws and regulations that regulate the consumer finance industry. As their name suggests, they seek to protect the consumer from corrupt financial practices and will take your complaint straight to the company responsible.
File a complaint with the Federal Trade Commission. The Federal Trade Commission is another government agency in the federal sector that enforces debt collection laws. Again, they seek to protect the consumer, but also to promote fair competition within the financial markets by ensuring that the laws are properly upheld. Not only do they enforce such regulations, but the FTC also has a hand in making the policies that govern the consumer finance market.
Contact your state’s Attorney General. In addition to the FDCPA, each state may have it’s own laws about debt collection. To find out more about the laws in your state, contact your Attorney General. If you find that the debt collector in question appears to be breaking your state-specific laws, then you may file a complaint with the Attorney General as well.
Finally, you can file a complaint with the Better Business Bureau. While it is not a government associated agency, the Better Business Bureau is a non-profit organization that works alongside businesses in all industries to promote ethical, trustworthy business practices. They serve as an unbiased authority on which businesses are widely respected and reach the highest standards of performance. If you are having an issue with a collection agency or debt collector, you can report the behavior to the BBB here.

Convergent Outsourcing is a third part collection agency and member of ACA International. We strive to provide the best customer service possible and operate according to the laws designated by the FDCPA. If you have a complaint or dispute about our services, please let us know via our online contact form. One of our Client Service Representatives will get in touch with you shortly to try and resolve the issue. You may also contact us anytime Monday-Friday from 7:00am to 5:00pm PST at 1-800-444-8485.

If you have questions or need to make a change to your account

About Us

In business since 1950, Convergent is one of America’s leading collections agencies. As an accredited agency, all of our representatives are thoroughly trained on customer service and Fair Debt Collection Practices Act compliance. We believe in customer service and want to make it easy as possible for people to pay the debts they owe.

Our Contacts

800 SW 39th Street, Suite 100
Renton, WA 98057

800-444-8485
7 am to 5 pm Pacific Time
Monday to Friday