Consumer complaint received 2022-07-02
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Below is my original letter to XXXX XXXX. I followed up with another letter on XXXX. To date I have not received any written communication from XXXX or the debt collection company. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX XXXX # XXXX Total Balance {$110.00} Dear XXXX XXXX, Please find attached a copy of the most recent communication that I received as a result of a dispute regarding the cancellation of my service with Reliant. The communication is from a company known as Convergent Outsourcing , Inc. owned by XXXX XXXX XXXX XXXX Convergent has been retained to collect this disputed debt. 
I appreciate receiving the Convergent communication, as it alerted me to additional information about XXXX and XXXX relative to my dispute. Below are my notes for your review. 
On XX/XX/2022 I sent XXXX a personal check in the amount of {$250.00} as a result of a billing notice from XXXX. In the billing communication ( copy attached ) I now notice that a {$150.00} Early Cancellation Fee was included in what I believed to be my final XXXX electric bill. I wrote Final Payment in the note section on my check and XXXX cashed my check. I mistakenly sent XXXX {$250.00} even though my final electric bill was {$180.00}. I overpaid my electric bill by {$60.00}. I would like that amount returned to me with earned interest. 

Since I did not enter into a signed term-agreement with Reliant prior to Reliant initiating electric service to my residence I could not have been aware of an Early Cancellation Fee as a condition of service. I did not ever agree to a term of service with XXXX or an Early Cancellation Fee. My official understanding was that I was in a service at will status and could cancel XXXX service at any time without incurring any monetary penalties. 

Since XXXX solicits new customers inside of XXXX I believe it is right for me to alert XXXX management of XXXX deceptive trade practices. I have copied XXXX XXXX XXXX, the President & CEO of XXXX. I also sent him a cover letter to explain the situation with XXXX XXXX XXXX, as XXXX is being used as an accomplice in customer acquisition for XXXX XXXX XXXX. 

There are countless customer complaints relative to deceptive trade practices by both XXXX and XXXX. Please refer to the Texas Deceptive Trade Practices-Consumer Protection Act.

XXXX deceptive trade practices and its handling of this matter resulted in a bad debt being attached to my otherwise perfect credit report. I view this as targeting and harassment. 
The only way I will pay the outstanding amount that XXXX says I owe is for XXXX  or Convergent to send me a term-agreement that includes an Early Cancellation Fee and my signature. 
If I did enter into a term-agreement that included an Early Cancellation Fee then I will write XXXX XXXX to explain the misunderstanding and withdraw my complaint.

If I do not receive my over-payment, this debt is not forgiven and my credit score is not restored I will seek legal guidance as to available options. 
Thank you & best wishes, cc : XXXX XXXX, President & CEO of XXXX XXXX XXXX, CEO of XXXX XXXX. XXXX.

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