Debt collection -- Attempts to collect debt not owed -- Complaint #4749524
Complaint Overview
Complaint ID: 4749524
Company: Convergent Resources, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Colorado
ZIP Code: 80910
Date Received: 2021-09-23T12:00:00-05:00
Date Sent to Company: 2021-09-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a letter dated XX/XX/2021 stating I owe {$840.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt and requested verification and validation of the debt. I did not receive either. I did not mail certified so that was my mistake. This letter was mailed on XX/XX/2021. I then received a letter dated XX/XX/2021 stating I owe {$3600.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt again and requested verification and validation of the debt. I did not receive either. This was mailed certified and it was received by Convergent Outsourcing on XX/XX/2021. Today, XX/XX/2021, I have received another debt collection letter dated XX/XX/2021 stating I owe {$3600.00} to Receivables XXXX XXXX for account withheld per instruction, Reference withheld per instruction. I will again be disputing and requesting verification and validation of the debt, but this is now the third contact and each time I have disputed and requested verification and validation and I have not received it. This is not my debt. I do not have any accounts with this creditor ( supposedly XXXX ) and the threats of judgment against me after I have complied with the requirements to dispute and request validation and verification of the debt need to stop. It costs roughly {$5.00} to mail certified and I should have received the validation and verification as requested in both my first two letters. Please help me resolve this and not have to continue sending certified letters to dispute for a debt that is not mine. Thank you.
Frequently Asked Questions
What is Complaint #4749524 about?
Complaint #4749524 was filed against Convergent Resources, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-09-23T12:00:00-05:00.
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.