Consumer complaint received 2017-10-16
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:
On XXXX XXXX I received an email from Convergent Outsourcing, Inc with a PDF letter dated XXXX XXXX, XXXX, stating I owed a debt with XXXX XXXX in the amount of {$240.00}. I also received a phone call on 2 occasions and I told them I would send a letter. 

On XXXX XXXX, I sent an email reply to the " contact us '' email address attached in the email sent by Convergent Outsourcing disputing the charge : Dear Sir or Madame, Per my conversation on XXXX XXXX XXXX, I am informing you of my dispute of the account with XXXX, referenced in your email communication. 

I have disputed the charge with XXXX and XXXX has so far failed to authenticate the charge with XXXX 's Dispute 's Department. 

The account was canceled, once XXXX provides actual documentation showing that the charge was valid ( which they have still failed to do in 45 days ), if valid, I will happily pay any balance I owe, less late fees assessed during the period XXXX failed to provide the documentation required/requested. 

During this time, please do not contact me by phone. 

Regards, XXXX XXXX Account Number REDACTED On XXXX XXXX I received a letter dated XXXX XXXX from Convergent Outsourcing with a cover letter stating " This debt is valid, attached is verification of the debt ''. The attachment included came with absolutely no details to show that this charge was prior to my canceling my account with XXXX, but rather, just a generic bill. No detail was included, it would not be acceptable proof of debt in a court of law as all it said was I owed {$240.00} with no detailed description. 

I replied on XXXX XXXX, with 2 separate emails to the same email address, the email address I initially sent my notice of dispute, a notice they obviously received because they attempted to send proof of debt. 

The first email I sent did not include a copy of the PDF from XXXX showing that XXXX was unable to provide proof that I owed the debt : Dear Sir or Madame, I have received a letter dated on XXXX stating this debt is valid. It contains a bill which is not detailed. The bill just states I owe an amount of money without any detail, nor does it show proof of my cancelation of service etc., this does mean that you 're required to send a validation of debt that includes at the very least, a description of the amount owed, vs a bill showing I owe an undetailed amount of money, I cancelled my service in XXXX of XXXX. 

Additionally when filing my credit card dispute with XXXX over the charge not being valid, XXXX returned a letter stating that after their investigation that the charge of {$230.00} was not a valid charge, I will send that attachment in a different email. 

Again, if I do owe this debt, I 'm happy to pay what I owe, but XXXX has refused to provide myself or XXXX prove that the debt is valid and your response did not include detailed information regarding the bill and why the bill was charged after cancelation of service. 

Regards, XXXX XXXX Account Number REDACTED Further I have checked my credit report with TransUnion and Equifax and it shows Convergent XXXX has opened up Collection Accounts on XXXX XXXX, XXXX, prior to them sending notice of Debt or providing proof of the debt. 

I have told Convergent if XXXX would provide proof that these charges were actually prior to my canceling service, I would pay whatever I owed less any late charges that have occurred while waiting for proof of the amount owed, however both XXXX and Convergent Outsourcing , Inc.,  have refused to provide myself or XXXX any proof that these charges were incurred prior to my canceling service with XXXX. 

Convergent Outsourcing has failed to provide proper proof of debt and has placed these accounts on my Credit Report prior to sending notification of Debt or Providing proof of debt.

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