Debt collection -- Attempts to collect debt not owed -- Complaint #4863887
Complaint Overview
Complaint ID: 4863887
Company: Convergent Resources, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Virginia
ZIP Code: 20191
Date Received: 2021-11-01T12:00:00-05:00
Date Sent to Company: 2021-11-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
In early XXXX I called XXXX because I wanted to close my account and unlock my and my husband 's phones so they could be used with our new carrier. I spoke to several agents online, and they informed me that there was a {$480.00} balance that had to be paid first before they unlocked our phones. I paid the balance right then, as I was talking to them in an online chat, and they confirmed my account was now {$0.00} and that it would take 24 hours to unlock our phones and they would be unlocked and ready to use with a new SIM card the next day. I SPECIFICALLY verified with them that both my and my husband 's phones would be unlocked and ready to go, and someone claiming to be a supervisor confirmed. The next day, neither phone was unlocked, so I engaged with them again. This time they SPECIFICALLY confirmed that my account balance was {$0.00} and that my account was canceled. This was in chat, so they should have a transcript. They apologized profusely, and since I needed my phone for work, they this time successfully unlocked it. The problem was that they did not unlock my husband 's phone, even though I specifically asked whether the account was closed for both phones and so I had to engage with them again. But during that conversation, they once again confirmed that I paid everything that needed to be paid. In none of those conversations was anything mentioned about an extra balance, or even the possibility of us owing any more money. They SPECIFICALLY confirmed in conversation 2 of 3 that my balance was {$0.00}. Then they began sending emails demanding {$360.00}. I called to find out what was going on and why they were claiming I had a balance even though they confirmed there was no balance, the account was closed, and that no more money was owed without informing me of any kind of possibility of extra charges. The person I spoke with said they would raise the issue with their supervisor. I thought that was the last I would hear from them. But they continued sending emails and then they got a collection agency involved, which is now impacting my stellar credit score. I contacted Convergent, which is apparently the collection company XXXX is using . They asked for my side of the story, then within days said, " Nope, you lose. Pay XXXX. '' I have had zero insight into what kind of information they used to determine that I owe XXXX anything further, and there has been zero transparency into the process.
Frequently Asked Questions
What is Complaint #4863887 about?
Complaint #4863887 was filed against Convergent Resources, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-11-01T12:00:00-05:00.
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.