Debt collection -- Attempts to collect debt not owed -- Complaint #4588824
Complaint Overview
Complaint ID: 4588824
Company: Convergent Resources, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Georgia
ZIP Code: 30038
Date Received: 2021-07-30T12:00:00-05:00
Date Sent to Company: 2021-07-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had an outstanding balance with XXXX that I settled with XXXX XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX I got a collection letter from Convergent regarding the same account. I initially thought it was sent in error since I didn't pay attention that it was a different collector, I just saw it was the XXXX acct & I had already gotten a proof of payment letter back in XX/XX/XXXX & with everything that was going on in the world I really just forgot about it. When I got another letter that's when I noticed it was from a different collector. I checked my credit report & saw the amount was back on my report but now Convergent was the name on it. I called Convergent in XXXX to get info & between speaking to them & XXXX several times I was eventually told my account was sent to Convergent from XXXX in XX/XX/XXXX because at that point it was still showing as owed in XXXX XXXX because that was before they received the confirmation of amount paid from XXXX XXXX. I spoke to someone at XXXX I was told was manager in the account recovery dept ( not sure if that was the exact name but was told they were dept that handled old accts that are sent to creditors ) & she verified she saw the amt on that account was paid in full & I had no outstanding balance with XXXX. Since XXXX I have made several calls, pretty much once every 4-6 weeks, to Convergent & have sent any & every document they request as proof of payment ( bank statements, proof of payment letter from XXXX ) but all they do is put it off on XXXX, ask me to send more or re send the documents I sent previously saying they didn't receive but the previous person I spoke to just the weeks/month before had verified receipt & said they needed time to review & reach out to XXXX. I have spoken to who I was told was managers who say they will review & get back to me but not one time has anyone done what they said they would
Frequently Asked Questions
What is Complaint #4588824 about?
Complaint #4588824 was filed against Convergent Resources, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-07-30T12:00:00-05:00.
How did Convergent Resources, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Convergent Resources, INC.?
Yes, visit the Convergent Resources, INC. company profile at readthecomplaint.com/company/convergent-resources-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.