CFPB Complaint

Convergent Resources, Inc. – CFPB Complaint 2017-07-02

Consumer Complaint Submission

Date Received: 2017-07-02

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I discovered a collection on my credit i did not know about. After completing my contract with XXXX a charge was added to the account that was later described as a equipment fee. I had no information of this debit and requested proof it was valid. I received nothing. After 60 days i again called and was given only a phone number to a collection agency named convergent. I called and spoke with them requesting proof i owed this debit and it was valid. I also placed a letter in the mail with these same requests later that day. I received nothing. After another 30 days i called back to make a final attempt to resolve the debit. The agent i spoke to offered me a settlement that included a complete deletion of the account from my credit report and a paid in full status. She made the case that the settlement was cheaper and faster than getting a attorney. Because this false debit was causing great hardship to my family by preventing the refinance of my home and the agent knew this i felt blackmailed into the arrangement. I agreed and gave my credit card number and awaited the documentation of this agreement in the mail. After another 30 days with no documentation, no deletion from my credit report, and no return communication from repeated phone calls i contacted my credit card company. They opened a fraud case. XXXX XXXX determined the false statements and deceptive agreements along with the complete absence of agreed documentation made by the agent to obtain my credit card number met their requirements for fraud and they promptly reversed the charges. The collection agency responded by placing a second collection on my credit report. So at this time they are reporting two accounts. Injuring my credit further. I am at this time reviewing local attorneys to begin legal action against the collection agency. They blackmailed me with inaccurate reporting info, lied to me to get my credit card number, provided not one piece of requested documentation, and falsely placed a second new collection account on my credit report. I have no documents as they refuse to send anything. If you need copies of the fraud finding by my credit card company i can produce that at any time. However absolutely no bills, letters, or documentation of this debit of any kind has been received by me at any time.

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Company: Convergent Resources, Inc.

State/Zip: IA 508XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2563929

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