Consumer complaint received 2019-04-21
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a printed letter dated XX/XX/19, from Convergent Outsourcing , Inc, saying that they are trying to collect debt from me, placed by XXXX. The amount was {$1600.00} First time I called them on XX/XX/XXXX ( I was out of the country so couldn't call earlier ), to inform them that this debt isn't mine, and asked them to investigate, since this looked like fraud. The associate introduced himself as XXXX XXXX and reassured me that I did everything right and they are going to investigate. He asked me to verify my information, and the email ( basically, XXXX  account ) wasn't mine! He also asked me if I suspect my relatives or I shared any my information anywhere. I said absolutely not about relatives and - that I am very careful about my information.

Needless to say, my account on XXXX is positive and I never received any emails or letters from them saying I owe them money.

I still emailed XXXX  asking if anything is owed in my name, and explained the situation, they said that they couldn't find anything and asked me if I can provide them that email address, supposedly registered in my name, that owed them money.

Then, I received another letter from Convergent, dated XX/XX/19, saying that they have received my dispute and they " have verified '' the information with the original creditor and the " charges are valid '', and, if I want to send any additional information, I need to contact them.

I called them again ( on XX/XX/XXXX ), and their system recognized my phone! I asked the representative to provide that email and she said she couldn't! I was surprised, why not, if they demand money FROM ME thinking it's my debt!

She said charges were made on XX/XX/XXXX. I said, again, that it's not mine and they need to investigate. What was the bank account this XXXX linked to? If there were goods ordered, what's the address it was ordered to? I think it's very easy and there are so many ways to find them. I called XXXX  this time, on XX/XX/XXXX, asking to confirm one more time that no money owed in my name. The representative confirmed that my account is positive and there wasn't any letter. She also said that, IF there was any debt, they would contact me first.

I called Convergent right after, on XX/XX/XXXX, with all this information, saying that I received the letter and the debt isn't mine. The representative said it will be transferred to a fraud state. I asked, why wasn't it transferred before, right after I called the first time? She said she doesn't know. She said they will be sending me a " fraud package '' which I will have to fill out and mail them back ( what??? ) I said that I called XXXX  and they said I don't owe them any money. She asked " What is your XXXX account that you said, is XXXX balance? '' I said - oh no, I am not giving you any additional personal information. You only had my name and my mailing address, which can be easily obtained from any stolen envelope ( or internet ), then I called you, now you have my phone number, and now you are asking my XXXX   account? NO. I also said for the record, that unless they have proof it's me ( which they won't because it isn't ), they need to stop harassing me with their letters and " packages ''. I told them it's not mine, and they have to stop contacting me and start investigating. By investigating, I don't mean emailing to XXXX   asking if " the charges are valid ''.

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