Consumer complaint received 2020-07-16
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I discovered not too long ago online that two debt collectors have been sending claims that I have a debt, which I do not owe, for XXXX and XXXX respectively. I have made attempts to rectify this but to no avail. In regards to XXXX, around XXXX I had a phone bill for a phone and tablet under contract that I was very dissatisfied with due to my bill being far above what I was initially told it would be and was assured repeatedly that it would go down to the amount I was promised for the service provided. It never happened, I became overly stressed due to it. I asked how much a full and final pay would be and as soon as I was able I demanded for my contracts, services, account, all of it to be cancelled/deleted as with the final bill amount I was given and then paid I had no intention or desire to return to a service that gave me a traumatic experience by constantly lying to me and increasing my bill superfluously. With the service paid off I believed myself free of them until a short time later I received a debt collector 's letter on behalf of XXXX. I called them about it to remind them of my payment, I was assured the issue would be dealt with so I kept it out of mind when I heard no more about it. Then in XXXX XXXX, despite the fact that I have no dealings with them and my card had changed since my last transaction with them, had somehow managed to charge my account for over {$1000.00}. I made sure to despute it but I was never given an explanation for the attempted theft. In XXXX I started learning more about being aware of my " credit '' and discovered that XXXX had a claim that I owed them almost {$200.00}. Which I don't understand how this was possible or even allowed to this day. I disputed it when I learned I could do that. But, unfortunately it appears to have done nothing, just as talking to XXXX had done nothing those years ago. I even received a letter from the collector claiming the debt is valid when it is in fact NOT and never was to begin with. The second debt collector is a far more recent happenstance but I fear they are attempting to pull a " XXXX '' on me with the lack of results I've had with them. I had to cancel my service with XXXX due to financial problems that resulted in a need to move. In XX/XX/XXXX I received a collection notice in the mail and went to their nearest building in hopes of getting my fees settled directly. I was instructed to call a XXXX company number by an employee and did so the very next day. I did a full and final pay and was assured, just like with XXXX, that I would no longer have to worry about the collectors and to just ignore them as they take care of it on their end. The collectors for XXXX are still claiming I owe money, I have attempted to dispute them twice now with no results. And unlike with XXXX I actually know where my confirmation number of final payment is for them right now. My attempts to call XXXX has been futile as everytime the automated voice refuses to actually transfer me to an actual person and will just hang up on me, usually right after telling me to login online to speak to someone. This is the next action I've learned I could take since the others did not produce results.

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