Debt collection -- Took or threatened to take negative or legal action -- Complaint #5619504
Complaint Overview
Complaint ID: 5619504
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: Colorado
ZIP Code: 80538
Date Received: 2022-05-31T12:00:00-05:00
Date Sent to Company: 2022-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I attached the letter that I sent in XXXX to my bank, XXXX, and Convergent. No response. I sent the following email on XXXX XXXX, 2022 : Convergent Outsourcing, I AM DISPUTING THE XXXX COLLECTION BILL. I want all attempts to collect a debt from me on XXXX XXXX ' behalf to cease. I need proof of the debt claim that I supposedly owe money, such as a copies of my bills, correspondence, and date the prepaid shipping label was purchased and it's tracking history. I want the bills documenting the charges that already occured for the device ( XXXX XXXX ), the credits for them refunding for charging me the device even after the device was received shipped XX/XX/XXXX. XX/XX/XXXX I was credited {$59.00} for being charged for the device after it was confirmed by XXXX that it was received. I was continually charged even after the credit and was told the issue was resolved. Month after month I called XXXX and was reassured, but still charged. I want ALL of the documentation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information. I have received little documentation on this account. Both XXXX and Convergent have refused to provide me with proper documentation or respond to my documents that I was asked to provide. What has been provided to me is inaccurate and incomplete information. I have the right to these documents. This account has an incorrect balance and incorrect dates provided for the device received. I want to know when my old phone ( XXXX XXXXXXXX XXXX ) was deactivated and reactivated. I want to know when the XXXX was activated and reactivated. If proper and accurate documentation is not disputed and provided to me. I will file a complaint against Convergent with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ). My complaints are about inaccurate reporting and failure to verify a debt. It is a violation of federal law for XXXXXXXX XXXX to report inaccurate or incomplete information on your credit report. I have a legal right to request debt validation on an alleged debt. By law, you have 30 days to prove that the debt is really true and the total amount is accurate. It is my policy that all correspondence are in a reasonable, timely manner and in writing via email or mail with your business name included. I want a verification letter as soon as possible. The verification letter should include ; Name and contact information for the original creditor. This doesnt mean Convergent, but the first creditor, XXXX , whom I did business with. Why does XXXX and Covergant believe I owe the debt? Considering the immense amount of admission on XXXX end and proof that they were responsible for the error. Stating they would correct the error. All recorded owners of supposed debt. The amount of the debt and the date at which it was first incurred. Finally, the letter should include the authority under which the collector is attempting to collect. It is illegal to lie or persuade me ( Which I did receive over the phone with both XXXX and Covergant representatives ). I have an email from XXXX admitting they received the device and voice recordings of representatives that I spoke with. End of e-mail I also called Convergent on XX/XX/XXXX at XXXX and the technician threatened my credit. She stated that the account would be written off, affect my credit, and collection attempts would continue until I paid. They stated it may be escalated to another company.
Frequently Asked Questions
What is Complaint #5619504 about?
Complaint #5619504 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 2022-05-31T12:00:00-05:00.
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.