Convergent Resources, Inc.
Consumer Complaints
There are over 4836 complaints on file for Convergent Resources, Inc.. Dated between 2019-12-15 and 2012-09-21.
Complaints Page 5
2019-10-28
Kansas City, MO
False statements or representation
Debt collection: I do not know
Impersonated attorney, law enforcement, or government official
Complaint: This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-26
Murray, UT
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Received a notice today from Convergent with a " account number '' and a request to settle a debt of $ XXXX for $ XXXX. Alleged debt is from XXXX. I have never received a required VOD notice under the FDCPA, Convergent 's letter gives you no options to dispute the debt and their tactics are very deceptive and abusive. On the back of the alleged account statement in fine print is the following notice " The law limits how long you can be sued on a debt. Because of the age of your debt XXXX XXXX XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. Convergent Outsourcing, Inc. can not sue you on this debt and Convergent Outsourcing, Inc. can not report this debt to any credit reporting agency. '' This notice is clearly a UDAAP violation. Also I have no idea who XXXX XXXX is and again have never received a VOD notice. Recommend the Bureau send this to Enforcement and bring an action against both companies. Also recommend the Bureau continue their work on Reg. F, which will help fix these predatory tactics. Finally Convergent and XXXX XXXX ( whoever they are ) must cease and desist all communications with me as I do not owe this debt, do not know this debt and do not know these companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-26
Fort Myers, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-25
Ft Myers, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-25
Lexington, NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I left XXXX with 0 balance and returned all leased phones to local store. Receipts have been sent in numerous times to collection agency and credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-25
Lox, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-25
Alfred, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-25
Tallahassee, FL
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-23
New Orleans, LA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have never had a debt with this company signed by me in XX/XX/2018 2018
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-23
Oxford, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: This old account was handled properly.
The account was closed by me ( the consumer ) and the final bill was paid years ago.
This was reviewed previously with another agency and they resolved the non-existing problem. Now, here again a new agency is calling for a debt, I never owed. I'm furious that they are calling my job as well. It needs to stop!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-23
Tampa, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-23
Detroit, MI
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-23
Old Round Rock, TX
Threatened to contact someone or share information improperly
Debt collection: I do not know
Contacted you after you asked them to stop
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-22
SC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I received information in the mail from Convergent Outsourcing Inc in XX/XX/2019, for a XXXX XXXX bill that is not mines, nor have, had XXXX in the past 4 years. This debt is mines. I have also disputed this inaccurate information with the three major credit bureaus. I also sent a Validation to The collection company, no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-22
Houston, TX
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: This company keep calling me. I asked to stop calling me because the person they looking for isn't me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-22
Chicago, IL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-22
Ault Field, WA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-22
Lakehurst, NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-21
Pinellas Park, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I filed a previous complaint against the company XXXX XXXX XXXX. The complaint # is XXXX. They responded saying they were going to stop the collection actions and report to the credit bureaus to remove the debt. They have not done that and not only have they not done that, they have sold the fraudulent debt to another debt collection company whom is now also reporting this debt to the credit bureaus. The new company is " Convergent Outsourcing ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-21
Santa Clara, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-20
WY
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: I checked my credit and noticed a negative account from Convergent Outsourcing in the amount of {$160.00} for XXXX. I have never received an notice about this debt, nor the right to dispute according to the fair credit debt reporting act. I did not owe XXXX a final bill as all bills were paid before the service was disconnected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-20
Jacksonville, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: On XX/XX/2018 Convergent Outsourcing received a collection account from XXXX for a past due balance of {$650.00}. I contacted Convergent Outsourcing several times via phone and regular mail in regards to validating the debt. Finally, I got someone who was able to help. The representative by the name of XXXX, stated if I pay the amount in full it will be deleted/removed from my credit. On XX/XX/2018 the account was paid in full, but still remains on my credit as paid with a XXXX balance. I was promised that this would be deleted, but I keep getting the run around about who suppose to have this removed. Convergent tells me XXXX has to have it updated. XXXX states Convergent has to have it removed. I am tired of getting the run around to have this deleted from all 3 credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-20
Macclenny, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-18
Jacksonville, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: This year I disputed this alleged debt by another collection company. I disputed and it was proven that they debt was not mine and was removed by XXXX and other credit bureaus that was reporting the negative information. I made it very clear to the last collection company if they sold debt to another debt collector, that I will have my attorney she the old collector and the new collector reporting this information. I will have my attorney XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Go ahead will lawsuits.Im tired of getting treated like this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-18
Belle Haven, VA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have disputed with a collection agency by the name of Convergent Outsource stating an inaccurate entry of an account on my credit report by their company. They have made a claim stating that I owe the amount of {$1200.00} which I do not.
I have reached out to them on XX/XX/2019 and XX/XX/2019 requesting again to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have an obligation to pay them. They have failed to submit any contractual agreement with my signature with Convergent Outsource. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification.
According to FCRA & FDCPA, it is in violation to report any inaccuracy on a consumer credit report if there is no validation of the debt, they must request that all crediting reporting agencies delete the entry.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have legally binding contractual obligation to pay you the alleged amount.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation