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: 6884927

Date Received: 2023-04-25

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: My personal information got leaked in the XXXX data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, and they intern reached out to the companies that were showing up on my credit report. At first all of the items were removed from my credit report and then about a week later all items begin to appear on my credit report again, but the amounts were different and it appear to have different account numbers which is fraudulent these companies have never reached out to me in reference to any of these accounts Nor have these companies sent anything to me validating that these debts actually belong to me. These companies are putting these negative marks on my credit report without my permission authorization, knowledge or consent from I was never even notified I learned of these things through my credit report.

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

State: TX

Zip: 75038

Submitted Via: Web

Date Sent: 2023-04-25

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6881946

Date Received: 2023-04-24

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: My Name is XXXX XXXX, Im making this complaint against Convergent Outsourcing INC. for committing identity theft. I have never given Convergent Outsourcing INC any permission to use any of my identifying information to commit mail fraud by contacting me about and alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Convergent Outsourcing Inc can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produced and Convergent Outsourcing Inc continues its collection efforts, I will file litigation for actual damages caused and Convergent Outsourcing Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the receipt and documents herein and of this Notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. Account # - XXXX

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

State: LA

Zip: 70127

Submitted Via: Web

Date Sent: 2023-04-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6878652

Date Received: 2023-04-23

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: On XX/XX/2022 I contacted this company about this debt they have placed on my credit upon reaching out to them I clearly stated to them that this is not my debt of {$210.00} that been placed on my credit. The company said they purchased this account from XXXX XXXX for a bill I owed I ask for the proof of this bill they just stated I needed to pay the bill. I have contacted this company again who than stated their was cable on in my name that was at a address I did not resign at I provided them proof and they still refused to remove this off my credit I have disputed this and just keep receiving the same letter that states they did Investigation and will not remove this debt.

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

State: OH

Zip: 44144

Submitted Via: Web

Date Sent: 2023-04-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6876583

Date Received: 2023-04-22

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: I have made several attempts to make Convergent Outsourcing aware of the fraudulent debt they claim I owe them ( {$1800.00} ) Is not only unverifiable but I also have no legal obligation to pay them. I have never signed a contract agreeing to pay this company nor have I never done business with this company yet this company reports inaccurate unverifiable information to the credit bureaus. Not only is this damaging, it is fraudulent. The company continues to send debt letters and contact my phone after I asked them not to. This is harassment and a violation of my rights. Even after writing in to the company several time asking them to provide proof that I in fact owe them I was sent a frivolous bill. Of which a bill does not constitute a legal obligation.

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

State: AR

Zip: 721XX

Submitted Via: Web

Date Sent: 2023-04-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6874239

Date Received: 2023-04-21

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I have discovered that the Credit Card Company has provided inaccurate details on my credit report, including incorrect dates, amounts, and records of late payments. Moreover, each credit bureau has different erroneous information on file.

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

State: FL

Zip: 33431

Submitted Via: Web

Date Sent: 2023-04-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6872911

Date Received: 2023-04-21

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: XXXX phone company sold my account to Convergent Outsourcing , Inc . They made my an offer to resolve the debt. I accepted that offer and paid the asking amount in full. Convergent Outsourcing , Inc closed the account and alerted XXXX that they had resolved the account as it had been paid. Instead of making needed adjustments to my credit report they sold my account to another collection company. And then another. My question to you is, when and how is this debt going to finally get resolved? Is there something else I need to do? I have written and sent proof of payment to all involved, but XXXX and credit companies along with debt collectors are all just shrugging their shoulders. Can you please help me out? Sincerely, XXXX XXXX

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

State: WA

Zip: 98226

Submitted Via: Web

Date Sent: 2023-04-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6872770

Date Received: 2023-04-21

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: This cable bill was open up in a whole another state with my name being use in a fraud ring. It was open up due to fraud.

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

State: GA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-04-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6870124

Date Received: 2023-04-21

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: I was on my XXXX credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called XXXX an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from Convergent Outsourcing Inc then i immediately hung up and contacted Convergent Outsourcing Inc on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with XXXX about 2-3 times already then XXXX was twlling me that the account is valid and I never made any payment. Convergent Outsourcing also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and XXXX. XXXX took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment.

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

State: NJ

Zip: 07103

Submitted Via: Web

Date Sent: 2023-04-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6868982

Date Received: 2023-04-20

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: The company that shows up on my XXXX credit report is XXXX. This collection was supposed to fall off by now as its older than 7 years. It keeps re showing up on my credit profile. Secondly, I sent them a debit validation letter, because I have no knowledge of this account ( I have never even had sprint as a phone carrier ) they sent me the validation but the address wasnt even correct on the paperwork that they sent me. I disputed with XXXX, but they still said it was valid. Is is 100 % not valid for two reasons.

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: 2023-04-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6868522

Date Received: 2023-04-20

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: On Monday XX/XX/XXXX I cancelled my service ( a cellphone line ) with XXXX. I requested that the cancellation be effective immediately, which I believe did not happen. I also asked whether I would be receiving a bill and was assured that I would not. Weeks later I received a XXXX bill in the mail stating that I have a past due balance of {$100.00}. I have tried calling customer service to dispute this bill but they have refused to help me because I do not have a pin code that they need in order to access my account. I asked to speak with a supervisor and the sales associate refused to get a supervisor on the line. I have been repeatedly failed by XXXX over several years, as my brother has continuously accessed my account and made changes on my account despite all the security protocols XXXX assured me they would put in place to avoid this issue. In XX/XX/XXXX I cancelled 2 lines ( I had a total of 3 lines ) and XXXX convinced me to not cancel the 3rd line so that my brother could take ownership of his line. He never did so the responsibility fell on me. Since XX/XX/XXXX the phone bill has fluctuated every month and XXXX has not even allowed me to see what they are charging me for because I do not have the pin code. This whole experience has been extremely stressful and I refuse to give XXXX any more of my time and money. I do not want to go the legal route and I am hoping that this can be a helpful means to avoid this issue going any further. I have excellent credit, have always paid my bills on time, and have never had any bill go to collections. I need XXXX to take accountability for their lack of security protocols and poor customer service.

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

State: MA

Zip: 02128

Submitted Via: Web

Date Sent: 2023-04-20

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.