CONVERGENT RESOURCES, INC.


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"Products" offered by CONVERGENT RESOURCES, INC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account - Checking account
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Vehicle loan
Credit card -
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Telecommunications debt
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Mortgage - Conventional fixed mortgage
Mortgage - Home equity loan or line of credit (HELOC)
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease

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Complaint ID: 7018692

Date Received: 2023-05-23

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: XX/XX/XXXX of this year disputed this transaction with credit bureau. Also sent certified letter to Convergent Outsourcing INC on XXXX.never received a response. XXXX XXXX XXXX on Date Assigned XX/XX/XXXX Original Balance {$410.00} Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department.

Company Response:

State: TX

Zip: 75025

Submitted Via: Web

Date Sent: 2023-06-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7018231

Date Received: 2023-05-23

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Problem with personal statement of dispute

Consumer Complaint: I am filing this complaint as I can not have a debt on my credit report taken out of dispute. I have a collection from Convergent Outsourcing ( XXXX ) who is reporting to XXXX and XXXX as in Dispute. I have called Convergent Outsourcing who has told me that it can not be taken OUT OF DISPUTE until its paid. I have called XXXX and XXXX multiple times to have it removed from dispute. They keep telling me it will be removed in 72 hours only to have my mortgage loan officer pull a new report to show its still in dispute. I am not able to move forward with purchasing a home until my account is taken out of dispute. Please help me with this matter. Thank you, XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: IN

Zip: 463XX

Submitted Via: Web

Date Sent: 2023-05-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7010273

Date Received: 2023-05-22

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: XX/XX/XXXX received letter from Convergent Outsourcing XX/XX/XXXX I Sent a debt validation letter requesting : -Provide verification & documentation that these is a valid basis for claiming that I am required to pay the debt to the current creditor with my original signature.. -Advise when the creditor claims this debt became due and when when it became delinquent -Identify the date of the last payment made on this account, -Advise if a determination that this debt is with the statute of limitations applicable to it. -Advise when do they think the statute of limitations expires for this debt and how is that determined -Details about their authority to collect this debt : Does company have debt collection license in Georgia. If outside of Georgia does the firm have a debt collection license from that place, and if so please provide the date of the license, name on license, license number. etc. XX/XX/XXXX : Received " verification '' of debt a billing statement ( XX/XX/XXXX - XX/XX/XXXX ) and flex lease agreements without my original signature

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 30135

Submitted Via: Web

Date Sent: 2023-05-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7009417

Date Received: 2023-05-23

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: A third party company ( Convergent ) claims to be representing an Internet Service Provider ( XXXX ) and that we are past due. Problem is we have NEVER had an account with XXXX. I contacted XXXX, in case they were a company we used to know but under a new name. XXXX assured us we did not owe them anything and did not have an old account with them. Convergent is sending invoices by mail with instructions to pay them directly. Thanks XXXX XXXX XXXX *Convergent lists their address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TX

Zip: 76522

Submitted Via: Web

Date Sent: 2023-05-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7001942

Date Received: 2023-05-19

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: The account was created in 2018, it was fraud. Some one opened a XXXXt account in my name and now it is a charge off under my credit report. I reached out to the debt collector XXXX but they never follow thru in sending me the correct paper work to my address to handle this problem. I also think they are guilty of zombie debt because this has been on my credit serve different times with different dates of active.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: IL

Zip: 60644

Submitted Via: Web

Date Sent: 2023-05-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6998676

Date Received: 2023-05-20

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have disputed these debts with XXXX, XXXX and XXXX 6 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The following collection : XXXX XXXX {$2300.00}, Convergent Outsourcing {$2400.00} and XXXX XXXX, XXXX {$870.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.

Company Response:

State: FL

Zip: 32809

Submitted Via: Web

Date Sent: 2023-05-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6992198

Date Received: 2023-05-17

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Theyre trying to collect a debt thats not mines from XXXX cable I ask for their original contract, and I told them this is not me, and XXXX refused to move it

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: AL

Zip: 36695

Submitted Via: Web

Date Sent: 2023-05-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6987887

Date Received: 2023-05-17

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: In XX/XX/XXXX, XXXX incorrectly billed me for an international call allegedly last XXXX minutes which is inaccurate. Upon receiving the bill, I made a number of attempts to dispute the claim with XXXX both over the phone and in person at one of their locations. My dispute was based on two facts ; 1 ) Through my entire relationship with XXXX I had never made an international call last more than 2-3 minutes as those can and could at the time be made free using the Iphone facetime voice call or other applications. For this, while they could clearly see my history I also provided them with copies of all my statements for the prior 12 months. 2 ) I provided them with evidence from my phone records showing the alleged call being made at XXXX XXXX on XX/XX/XXXX, but only lasting 2 minutes as it was Cancelled or Dropped at XXXX XXXX. I have maintained evidence of these records and they can be provided at anytime As I continued to dispute the claim in early XXXX, XXXX referred me to a collection agency ( Convergent Outsourcing ). Convergent immediately reported the claim to the credit bureaus without any efforts to understand the disputed claim. At this point in order to make an attempt to avoid further harm to my credit score, I agreed to settle the claim but only once Convergent agreed to remove the record from my credit report, which they noted over a recorded line that if I called once the settlement had been processed, they would request the record to be removed. The settlement processed XX/XX/XXXX Currently, this continues to be included in both my XXXX and XXXX credit reports and has been removed from my XXXX report after attempting to dispute the reporting with all 3. I have continued to make efforts to contact both Convergent and XXXX on the matter, as of the most recent call the week of XX/XX/XXXX, Convergent noted that they could not locate my file and XXXX claimed to not be able to locate it and after further escalation they were requesting me to go to one of their physical stores, which based on prior experience it would just be another attempt to defer resolution. After attempting to discuss the matter with Convergent and XXXX once again, I followed up with the XXXX Disputes team, who adviced that Convergent has refused to provide them evidence other than noting that the claim must stay and the XXXX associate opened another dispute, however he advised me to file a CFPB dispute as well

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NC

Zip: 28209

Submitted Via: Web

Date Sent: 2023-05-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6987884

Date Received: 2023-05-17

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: On server occasions over the course of seven months The Convergent Outsourcing Company keeps falsifying information about validating a debt collection and the company falsify quoting On XX/XX/XXXX, XXXX placed an account for you in our office, to collect a balance on their behalf, in the amount of {$1000.00}. On XX/XX/XXXX, we sent you a validation notice. This notice included your right to dispute the balance owed. In writing I am strictly applying In accordance with the Fair Credit Reporting Act. This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information the Convergent outsourcing took including but to limited to : 1. The initial written and signed contract showing I the costumer and convergent outsourcing in any agreement. 2. The account and amount of product or services that I the consumer and convergent outsourcing agreed upon. 3. All the detail steps showing proof of signed joint contracts from initiation to closure establishing names of parties involved in this said contract. According to the FCRA this should be presented within15 days completing your re-investigation. Also under federal law you have 30 days to complete this final delivery of your investigation. Being unable to provide accuracy I request this inaccurate information be removed from my consumer report immediately.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NC

Zip: 28303

Submitted Via: Web

Date Sent: 2023-05-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6986907

Date Received: 2023-05-16

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account I did not recognized. I reviewed. my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated reflect that the account is disputed and therefore a second validation letter was sent out on this day. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureau 's until adequate validation has been received proving that the account belongs to me and all information is correct.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: IL

Zip: 60629

Submitted Via: Web

Date Sent: 2023-05-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.