I received a letter from "Convergent Outsourcing Inc." saying that I owe $6,151.65 to LVNV Funding LLC. it says orginal creditor is Bank of ...

Question

I received a letter from "Convergent Outsourcing Inc." saying that I owe $6,151.65 to LVNV Funding LLC. it says orginal creditor is Bank of America. I have never had an acct. with Bank of America. I don't owe any money to anyone! Is this a scam? Do I just ignore it or what?

Thank you,

Diane Vargas

Answer

I would recommend sending a certified return receipt letter (keep a copy) stating exactly that -- that it was never your account, you dispute any amount, and to cease and desist trying to collect from you. If you were to ignore it, it might be considered silent agreement. Do not send any information like your date of birth, social security number, etc.