Consumer complaint received 2022-12-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been continuously denied for services started in XX/XX/XXXX that are supposed to be meant for me to receive. I have contacted multiple representatives, agents and supervisors at this company through email, mail and voice. Ive filed complaints with XXXX and XXXX which resulted in me receiving a denial letter. Ive contacted the trustee ( XXXX XXXX XXXX XXXX XXXX ) and treasurer ( XXXX XXXX ) of this company and have not gotten any remedy regarding my accounts. I know that using the SSN assigned to me at birth doesnt belong to me according to the guidelines, rules and procedures of the SSA act and that I have been turned into a transmitting utility ( Privacy Act of 1974 ). I know that ALL debts public and private belong to the United States according to Title 18 sec 8. I now know that all these years I have been paying a debt with debt notes and have tried to properly pay with the bonds attached to the remittance slip and have been denied. I have filed billing errors with XXXX XXXX, XXXX company and my services have been interrupted and is still currently off 15 USC 1666 ( a ). I have been hindered over these past few months because my life has been stopped with work, family, not being able to reach out or make important calls and missing important calls regarding court cases. XXXX XXXX, XXXX have not been following protocol according to their security agreement theyve filed with the Securities Exchange Commission XXXX XXXX. XXXX XXXX, XXXX have taken adverse action against me and shut off my services, closed my accounts, and denied me access to even view any statements needed to make proper payment 15 USC 1666 ( Pub. L. 90321, title I, 161 ). I know for a fact that XXXX XXXX, XXXX company have committed mail fraud over these eight years that Ive have services with them by sending statements via online portal and certified mail that are considered securities in which are supposed to be sent registered mail and have been soliciting a bill to me in which only the president of the United States can write bills that are put into effect. I know that according to the Securities Exchange quarterly and annual reports all debts are to be discharged and copies of the income that has been discharged should have been sent to me via registered mail so that could file them with my 1040 individual tax return. I have been threatened and violated in reporting my personal information to the credit agencies and have had multiple third party debt collectors come after me in pursuit of collecting debts owed 15 USC 1666 ( a ) ( Pub. L. 90321, title I, 162 ). I know that any account that has an outstanding balance in access of 1 $ and should be credited to my personal account 15 USC 1666 ( d ) ( Pub. L. 90321, title I, 165 ). I have previously sent in the statements to the proper departments for payment with the proper bonds and even attached the remittance portion which is supposed to be deposited into my personal account via electronic funds transfer, 22 CFR 22.3 and T- Mobile XXXX XXXX XXXX XXXX have kept the payment stub and remittance coupon. I know that due to my ignorance I was unaware. 

Please help me get relief as I have been denied trying to properly get remedy. 
The definition of an account 12 CFR 1002.2 means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.

Adverse action means ( i ) A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered; ( ii ) A termination of an account or an unfavorable change in the terms of an account that does not affect all or substantially all of a class of the creditor 's accounts ; or ( iii ) A refusal to increase the amount of credit available to an applicant who has made an application for an increase.

Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes.

45 CFR 2554.4 A statement means any written representation, certification, affirmation, document, record, or accounting or bookkeeping entry made with respect to a claim or with respect to a contract, bid or proposal for a contract, grant, loan or other benefit from the Corporation. Also the Telephone Act Title 47 USC 227 says that I am entitled to everything in my demands upon written notice.

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