Debt collection -- Took or threatened to take negative or legal action -- Complaint #4751290
Complaint Overview
Complaint ID: 4751290
Company: Convergent Resources, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Missouri
ZIP Code: 631XX
Date Received: 2021-09-24T12:00:00-05:00
Date Sent to Company: 2021-09-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 I find out that a bill that I'm sure was paid was sent as unpaid and hit my credit. Naturally I called and asked for a pay to delete. The agent on the phone assured me XXXX times that this would be completely removed without a trace. I asked three times just to make sure. She said " yes, as soon as you pay this will be removed completely from your credit. '' So I made the payment. Then she stated that she is sending me two emails one for proof of payment and the other for deletion. They never came. So I called back and I get a different agent. She said " you have to call the reporting agency to get the deletion papers. '' Well I called XXXX XXXX and they said " if you pay us ANOTHER {$200.00} we will delete '' so I paid again after I asked why I had to was told " you pay to delete ''. I hang up with XXXX and call Convergent and they tell me " The agent you spoke with was misinformed so we will not be deleting but will mark it as paid. '' Now that was NOT the agree. I also recorded the call to make sure that was not the agreement. The lady said clearly that " it will be removed from my credit reports. '' Now I can prove this but they are not honoring what their agent stated. Her misinformation does not take away for what she stated considering she works for them and they trained her. I am not out over {$400.00} for a debt that was only {$200.00} and I will be filling papers in small claims if this is not resolved. I did NOT pay on a debt that was paid years ago for a " paid status. '' Follow the agreement of deletion as promised!
Frequently Asked Questions
What is Complaint #4751290 about?
Complaint #4751290 was filed against Convergent Resources, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-09-24T12:00:00-05:00.
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.