Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
Tried to close by paying in full an old XXXX XXXX internet service debt that I wasn't aware of until my credit score radically dropped over 50 points due to an outstanding {$130.00} charge that includes a debt and collection agency fee of {$39.00}. Contacting both I learned each was not aware of the debt and XXXX claimed I had already paid in full past charges to the account but my credit scores both reduced over 50 points recently... 

Today Personalize XXXX XXXX - XXXX XXXX Needs Work Checked daily XXXX XXXX Needs Work Checked daily New Daily score checks from XXXX Scores calculated using XXXX XXXX Email to my XXXX : from : Convergent Outsourcing XXXX on XXXX XXXX XXXX XXXXXXXX Your XXXX  Account Ending in XXXX Inbox Convergent Outsourcing XXXX XXXX Sat, XXXX XXXXXXXX XXXX XXXX to me Regarding Your XXXX  Account Ending in XXXX Dear XXXX XXXX XXXX XXXX account referenced below has been placed by XXXX  with our office for collections. 

Our client has advised us that they are willing to satisfy your account in full for 70 % of your total balance. The reduced balance amount of {$91.00} must be received in our office by an agreed upon date. If you are interested in taking advantage of this opportunity, respond within 60 days of your receipt of this notice. We are not obligated to renew this offer. 

THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 

Please send any correspondence to Convergent Outsourcing , Inc. at XXXX XXXX XXXX XXXX, WA XXXX Your Account Summary : Creditor : XXXX Client Account # : XXXX Convergent Account # : XXXX Reduced Balance Amount : {$91.00} Total Amount Owed : {$130.00} 3 CONVENIENT WAYS TO PAY : Pay Online : Pay your bill online with your credit/debit card or checking account at www.payconvergent.com Pay by Phone : We offer check by phone, XXXX XXXX, and credit/debit card. Call XXXX Pay by Mail : Send Payments to Convergent Outsourcing , Inc., XXXX XXXX XXXX. XXXX WA XXXX NOTICE : PLEASE COTINUE TO SCROLL BELOW TO SEE IMPORTANT CONSUMER INFORMATION. 


Questions about Convergent? Visit convergenthelp.com Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Mon-Thur XXXX, Fri XXXX XXXX To unsubscribe from future emails from Convergent regarding this account, please select the unsubscribe option below : unsubscribe Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

Notice about Electronic Check Conversion : When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. Also, you authorize us to represent a check as an electronic fund transfer from your account if your payment is returned unpaid. 

# XXXX Problem : Can't pay the debt and thought I had, and the XXXX billing department said I already paid, and the debt collection said no record of debt so how to fix this problem by paying or clearing the discrepancy through a legal authority? 
Thank you much, Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation