Consumer complaint received 2021-03-01
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is attempting to collect money from you on XXXX 's behalf. But you don't understand why you owe XXXX ... So you ask : " Hey XXXX, XXXX says i owe you money. What is he talking about? '' And XXXX says : " I have no clue what he's talking about. You don't owe me anything. '' You would feel like XXXX is trying to scam you right? Well this is how Convergent Outsourcing is trying to collect {$340.00} from me " on behalf '' of XXXX XXXXXXXX. 

My relationship with XXXX XXXX XXXXegun with me being under my moms account, to the best of my knowledge. Since then, I've gone off into my own account but some how traces of her [ now closed XXXX XXXX XXXX account continues to pop up on my side. After a plethora of phone calls with XXXX XXXX in regards to financial mishaps, my mom and I NEVER walk away with a consistent answer to what the problem is exactly. So after seeing Convergent Outsourcing on behalf of XXXX XXXX report a derogatory mark on my credit, I was befuddled!! 

On the morning of Friday XX/XX/2021, I speak with XXXX, VA XXXX XXXX rep XXXX XXXX XXXX ID : XXXX ) about this matter and as he thoroughly combed through both me and my mom 's account histories, he was unable to find any past records of outstanding debt. Correct me if i'm wrong ; but if i owed XXXX XXXX  at XXXX point in time, once they sell that debt to to Convergent Outsourcing, do they burn all records that say I owe them money? I dont think so, to my knowledge. So XXXX with XXXX XXXX says my account shows no records of outstanding debt ; current OR PAST!!! 

The same day immediately after speaking with XXXX XXXX  rep XXXX, I reach out to XXXX, TX Convergent Outsourcing to help me understand why theyre attempting to collect non-existent debt, according to XXXX XXXX XXXX speak with XXXX, TX Convergent Outsourcing rep XXXX XXXX XXXX XXXX id JRO, thats the rep id he gave me ) and he's very vague and inconsistent on why I originally owed XXXX XXXX XXXXoney. He says I owe {$220.00} for a phone but doesn't have any details to describe this phone. He says I owe {$100.00} for a phone bill but doesn't have any details on when and what this phone bill is about. He says I owe {$23.00} in taxes and it's made up of a {$20.00} late fee and {$2.00} for something else he can't explain. I ask the same question you're wondering ; " XXXX, where does the other {$1.00} come from '' ... I have yet to get a clear justification for that figure. 

In conclusion, if I owed XXXX XXXX ... cool! Convergent Outsourcing acquired the debt so it's fair for me to pay what I owed. However, it is absolutely UNFAIR for me to pay Convergent Outsourcing for a debt of {$340.00} that XXXX XXXX  says, they have NO record of me ever owing. Especially if neither parties can give me specific details on the debt ; like a specific phone, a phone bill date range, where the random {$1.00} of my supposed " debt '' came from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation