CFPB Complaint

Convergent Resources, Inc. – CFPB Complaint ID 3031855

Consumer Complaint Submission

Date Received: 2018-09-28T00:00:00

Product: Other debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Phone : ( XXXX ) XXXX in XX/XX/2018 regarding a debt from XXXX that in my recollection was paid in full. The debt was for {$450.00}. I called the collection agency and asked them to validate and verify the debt. I was sent a bill from XXXX, that simply showed a balance, but did not provide any details of the reason for the debt. I called the collection agency the week of XX/XX/XXXX, and after being transferred multiple times, the representative from Convergent explained that they could not find the account and I should call back. I called back and spoke with a representative during the same week, and explained what was sent to me. She was kind and empathetic and said they would send a detailed, itemized bill that would explain the debt. I heard nothing after that. I was notified on or around XX/XX/XXXX that the company reported the debt to XXXX.

I called the collection agency and explained that I still have not received information that validates the debt. The person became combative and said there’s nothing they would do about it. I asked to speak with a supervisor and was hung up on.

I’ve submitted two disputes to XXXX, and the outcome was that the company validated the debt. I have still not received any information that validates this debt, according to the FDCPA guidelines.

Company: Convergent Resources, Inc.

State/Zip: NY 105XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3031855

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

See also  Alpine Credit, Inc - CFPB Complaint ID 3065118

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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