Debt collection -- Attempts to collect debt not owed -- Complaint #5280666
Complaint Overview
Complaint ID: 5280666
Company: Convergent Resources, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Texas
ZIP Code: 77498
Date Received: 2022-03-02T12:00:00-05:00
Date Sent to Company: 2022-03-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been trying to get this resolved for quite some time and it has now affected my credit. I got this account back on XX/XX/2020 and I got a phone for my daughter because she lived alone. The original phone was stolen at her job. When we went to get a replacement, the store we went to said they didn't have original phone on the account in stock. Needless to say, she decided to upgrade her phone and the store we went to screwed my account up. The guy decided to give her a upgrade by creating a new line and putting it as a camera on my account to get a new phone. The bill started getting out of control and to a point where the payments were very high as a phone bill. My daughter called and was told she could return the phone and it would be closed. When we called XXXX, they informed us that the location we went to was not an original XXXX location under them. We tried to return the phone because that was what she was really having to pay for but we have not gotten anywhere with it. I now have an outstanding balance of {$1800.00} on my credit report. I called XXXX recently and they said it is in collections and the company, Convergent Outsourcing, quoted me a balance of {$2100.00} and offered to settle for {$1400.00} and then said the lowest was {$1300.00}. I have received nothing but the run arounds and I want it off my credit so I can move to a new house. This one thing is holding me up. This is ridiculous for a phone that's not being used. The phone is still in great condition. XXXX said it couldn't be handled by them because the debt was in collections. I was given false information. I need help getting this resolved ASAP!
Frequently Asked Questions
What is Complaint #5280666 about?
Complaint #5280666 was filed against Convergent Resources, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-03-02T12:00:00-05:00.
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.