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: 6979846

Date Received: 2023-05-15

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: Over 2 months ago I settled a collections account with XXXX. And it is not being showed as settled. On my credit report it shows only half paid and a late payment, when this account was settled and paid off back in XXXX. I've spoken with Convergent Outsourcing several times, they say they will fix it but never do. Please help just get this debt off my credit report

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

State: TN

Zip: 383XX

Submitted Via: Web

Date Sent: 2023-05-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6977419

Date Received: 2023-05-16

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Convergent Outsourcing placed a false collections account on my credit report stating that I owe a balance for a company for which I have never had any contract or account with. I verified this with the creditor ( XXXX ) and it is false/fraudulent. I have never had an account with XXXX nor have any agreements with this company. I tried to reach out to Convergent Outsourcing on several occasions and have been unsuccessful. This false/fraudulent report is hurting my personal credit and request that it be removed immediately.

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

State: AL

Zip: 363XX

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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Complaint ID: 6975122

Date Received: 2023-05-15

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Convergent Outsoursi keep reporting to the 3 credit bureau that I have owe them {$2500.00}. I have disputed with them several times but they keep updating it in my credit report. I do not owe them anything.

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

State: IL

Zip: 60616

Submitted Via: Web

Date Sent: 2023-05-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6974847

Date Received: 2023-05-14

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the fair credit Reporting act XXXX account ( finance ) # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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

State: WA

Zip: 98059

Submitted Via: Web

Date Sent: 2023-06-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6967707

Date Received: 2023-05-12

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Ive never had a contract with Convergent Outsourcing, a debt collector, for any debt. I have been asking this company since XX/XX/2023 to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit reports. I have not agreed with any results of their investigation, and they have done nothing to verify. I have been asking Convergent Outsourcing to mail me the proof of their investigation and proof that they, as a debt collector, has a legal right to collect for a debt, or delete this account from my credit profiles. Furthermore, the address noted for this debt is a fraudulent address that is not verifiable anywhere in the city or state where I reside in Texas.

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

State: TX

Zip: 76710

Submitted Via: Web

Date Sent: 2023-05-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6965289

Date Received: 2023-05-11

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I have sent the following letter to the company. Of course before that I tried several times to remedy the issue. I am requesting that the following account be removed immediately from my credit report. Description : Fraudulently establishment of this account without my permission or authorization. I have tried to work with your collection agency requesting removal of this account but you haven't removed it yet. Your company is not approved to conduct business in the state of CA as of this day. It's pending approval. If I am unsuccessful with this attempt having this frigolus account removed from both reporting agencies, I will be forced to file a suit in federal court naming the credit reporting agency and the acceptor of this letter as defendants. If No action is taken from your company as an extra measurement for my protection of sensitive information as well as the removal of this account from both Reporting Agencies then the following agencies will be formally informed so they can assist and resolve this matter in order to protect my rights as a consumer.

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

State: CA

Zip: 90034

Submitted Via: Web

Date Sent: 2023-05-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6965046

Date Received: 2023-05-11

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: Received a call from XXXX XXXX with Convergent Outsourcing who stated that she was calling to collect a final amount related to my XXXX bill that service had ended on. I told her that I didn't understand because I have current service. She verified the service address. Again I told her I didnt understand. She gave me an amount of {$680.00} that was due, and an account number # XXXX, and told me to call to speak to a live agent at XXXX to resolve the issue. She also provided a call back number of XXXX. I called XXXX who confirmed that I do not have an outstanding balance. This was an old account number I had at XXXX and the XXXX rep at XXXX again confirmed that there is no outstanding balance on that account number.

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

State: WA

Zip: 985XX

Submitted Via: Web

Date Sent: 2023-05-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6964620

Date Received: 2023-05-11

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: CONVERGENT OUTSOURCING HAS BEEN CALLING ME FOR OVER 2 MONTHS TO COLLECT A DEBT ON BEHALF OF XXXX FOR XXXX XXXXXXXX XXXX..OK I SPOKE WITH THEM ON XXXX XXXX2023, EXPLAINING TO THEM I'M HOMELESS, NOT WORKING, IN XXXX..I ASKED FOR A DISCOUNTED PAYMENT TO CLEAR BILL, SO IT CAN BE SETTLED..THEY AGREED TO THE SETTLED AMOUNT OF XXXX THEN I ASKED HOW LONG WOULD IT TAKE FOR IT TO BE REMOVED FROM MY CREDIT REPORT.. CONVERGENT OUTSOURCING TOLD ME IT WAS XXXX TO REPORT TO CREDIT BUREAU TO HAVE IT REMOVED ..OK, I CALLED XXXX ON XX/XX/XXXX XXXX TODAY, 2023, ONLY TO BE TOLD THE BILL ISNT SETTLED, AND I STILL HAVE A BALANCE OF $ XXXXTHE ORIGINAL BILL WAS {$260.00} THEY PLACED INTO COLLECTIONS..I SETTLED WITH THESE LIARS CONVERGENT OUTSOURCING, BY PAYING {$150.00} AS AGREED, NOW THEY ARE SAYING ITS XXXX I NEED TO SPEAK TO ... THIS IS NOT RIGHT..IF THE ACCOUNT WAS SETTLED FOR {$150.00} WITH THE COMPANY XXXX USED FOR COLLECTION, WHT AM I BEING TOLD BY XXXX THAT I STILL OWE THEM A BALANCE, WHEN THE MONEY WAS COLLECTED THROUGH A COLLECTION COMPANY .... XXXX AND THAT COLLECTION COMPANY IS DOING DIRTY TRANSACTIONS WITH CONSUMERS AND DON'T CARE .... CONVERGENT OUTSOURCING ARE LYING TO CONSUMERS THAT THEY ARE SETTLING ACCOUNTS WITH YOU ON BEHALF OF THESE COMPANIES, ONLY TO FIND OUT THEY ARE LYING AND REPORTING FALSE COLLECTION INFORMATION TO THE COMPANIES THEY ARE BUYING THESE ACCOUNTS FROM ... .THEY TOOK MY {$150.00} TO SETTLE XXXX ACCOUNT OF {$260.00}, ONLY TO FIND OUT THE ACCOUNT ISN'T SETTLED WITH XXXX... I HAVE COPY OF RECEIPT FROM BOTH COMPANIES..ITS FUNNY IT DOESN'T SHOW AS A SETTLEMENT ON EITHER XXXX OR CONVERGENT OUTSOURCING EMAIL OF RECEIPT...

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

State: CA

Zip: 900XX

Submitted Via: Web

Date Sent: 2023-05-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6964125

Date Received: 2023-05-12

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: On XX/XX/2023, a settlement was made and collected on behalf of XXXX in agreement & order to update my account as Paid/Closed/Never Late for all 3 Credit Bureaus on good will and never missing a payment. Payment has been made and account is still reporting as a charge off/derogatory remark. Payment that was previously made to XXXX was automated and wasnt made aware of balance. Payment info : # XXXX for a total of {$160.00}

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

State: VA

Zip: 23513

Submitted Via: Web

Date Sent: 2023-05-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6964069

Date Received: 2023-05-12

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: Hi I have a collection for Convergent Collection # XXXX for {$2300.00} I live in Florida and they are not license here I don't recognize the bill they are trying to collect so I did a dispute on XX/XX/23. Convergent sent me got a copy of a bill from XXXX. I sent them this letter on XX/XX/23 ( without any response ) " The bill you provided does not match my name, my name is XXXX XXXX XXXX. The bill you provided is not proof that you ( Convergent ) owe this debt and therefore no evidence that you have any rights to collect this debt. Youre not license in Florida to collect a debt. Your letter does not have a statement indicating that the consumer ( me ) has the right to dispute the debt within 30 days. You have not provided with information on how to dispute the debt. You have not provided any supporting documentation, such as a copy of the original contract. ''

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

State: FL

Zip: 33909

Submitted Via: Web

Date Sent: 2023-05-12

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.