XXXX would send the false debt to a new collections agency with a new open date against my credit which in turn has destroyed my credit which at a young age I knew the importance of credit since my mother was a XXXX so I had a credit score of around XXXX at the time. Since then I have n't been able to rent anywhere or get any sort of loan or anything. My lifestyle changed drastically because of this and it has ruined many good opportunities for me since my credit was severely impacted every time they sent it to another collections agency after each time I won a dispute. XXXX fraud management told me they would n't investigate this from the very beginning. Well in XXXX of XXXX I contacted them again trying to resolve the issue and the lady told me that they had already investigated this twice and that they would n't investigate it again. I told her that 's a lie because they told me they would n't investigate it in the first place because they did n't consider this a fraud issue. I got ahold of a supervisor and told her how I have this police report from when it first happened and because of this she agreed to investigate the claim this time. A couple days later or so they call back and tell me that their investigation shows that I have family living at the address in XXXX XXXX and therefore I am responsible for the charges. This was a bold faced lie and an outright desperate attempt. I have never been to XXXX XXXX or anywhere near it and no XXXX in my entire family ever has. I then stated that I wanted copies of the paperwork they have proving these allegations and of course they could provide any such documents. Cont. in next section..,,Convergent Resources

What the CFPB Record Shows About XXXX would send the false debt to a new collections agency with a new open date against my credit which in turn has destroyed my credit which at a young age I knew the importance of credit since my mother was a XXXX so I had a credit score of around XXXX at the time. Since then I have n't been able to rent anywhere or get any sort of loan or anything. My lifestyle changed drastically because of this and it has ruined many good opportunities for me since my credit was severely impacted every time they sent it to another collections agency after each time I won a dispute. XXXX fraud management told me they would n't investigate this from the very beginning. Well in XXXX of XXXX I contacted them again trying to resolve the issue and the lady told me that they had already investigated this twice and that they would n't investigate it again. I told her that 's a lie because they told me they would n't investigate it in the first place because they did n't consider this a fraud issue. I got ahold of a supervisor and told her how I have this police report from when it first happened and because of this she agreed to investigate the claim this time. A couple days later or so they call back and tell me that their investigation shows that I have family living at the address in XXXX XXXX and therefore I am responsible for the charges. This was a bold faced lie and an outright desperate attempt. I have never been to XXXX XXXX or anywhere near it and no XXXX in my entire family ever has. I then stated that I wanted copies of the paperwork they have proving these allegations and of course they could provide any such documents. Cont. in next section..,,Convergent Resources

XXXX would send the false debt to a new collections agency with a new open date against my credit which in turn has destroyed my credit which at a young age I knew the importance of credit since my mother was a XXXX so I had a credit score of around XXXX at the time. Since then I have n't been able to rent anywhere or get any sort of loan or anything. My lifestyle changed drastically because of this and it has ruined many good opportunities for me since my credit was severely impacted every time they sent it to another collections agency after each time I won a dispute. XXXX fraud management told me they would n't investigate this from the very beginning. Well in XXXX of XXXX I contacted them again trying to resolve the issue and the lady told me that they had already investigated this twice and that they would n't investigate it again. I told her that 's a lie because they told me they would n't investigate it in the first place because they did n't consider this a fraud issue. I got ahold of a supervisor and told her how I have this police report from when it first happened and because of this she agreed to investigate the claim this time. A couple days later or so they call back and tell me that their investigation shows that I have family living at the address in XXXX XXXX and therefore I am responsible for the charges. This was a bold faced lie and an outright desperate attempt. I have never been to XXXX XXXX or anywhere near it and no XXXX in my entire family ever has. I then stated that I wanted copies of the paperwork they have proving these allegations and of course they could provide any such documents. Cont. in next section..,,Convergent Resources has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to XXXX, and the most recent logged activity is XXXX, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, XXXX would send the false debt to a new collections agency with a new open date against my credit which in turn has destroyed my credit which at a young age I knew the importance of credit since my mother was a XXXX so I had a credit score of around XXXX at the time. Since then I have n't been able to rent anywhere or get any sort of loan or anything. My lifestyle changed drastically because of this and it has ruined many good opportunities for me since my credit was severely impacted every time they sent it to another collections agency after each time I won a dispute. XXXX fraud management told me they would n't investigate this from the very beginning. Well in XXXX of XXXX I contacted them again trying to resolve the issue and the lady told me that they had already investigated this twice and that they would n't investigate it again. I told her that 's a lie because they told me they would n't investigate it in the first place because they did n't consider this a fraud issue. I got ahold of a supervisor and told her how I have this police report from when it first happened and because of this she agreed to investigate the claim this time. A couple days later or so they call back and tell me that their investigation shows that I have family living at the address in XXXX XXXX and therefore I am responsible for the charges. This was a bold faced lie and an outright desperate attempt. I have never been to XXXX XXXX or anywhere near it and no XXXX in my entire family ever has. I then stated that I wanted copies of the paperwork they have proving these allegations and of course they could provide any such documents. Cont. in next section..,,Convergent Resources reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "XXXX XXXX XXXXXXXXXXXX XXXX/XXXX/XXXX XXXX - Fraud Management Cellphone Dear FCC XXXX XXXX In early XXXX I opened an account with XXXX for XXXX phone line at {$80.00} a month when I was living in a XXXXhouse in XXXX", and the single most common underlying issue is "which is common procedure. As it turns out someone with the email beginning with XXXX was responsible for this. The email I gave XXXX when I signed up was XXXXXXXXXXXX or maybe it was an older email but it said XXXX in it like my name and is written on the original contract. Immediately I knew that it was this guy".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating XXXX would send the false debt to a new collections agency with a new open date against my credit which in turn has destroyed my credit which at a young age I knew the importance of credit since my mother was a XXXX so I had a credit score of around XXXX at the time. Since then I have n't been able to rent anywhere or get any sort of loan or anything. My lifestyle changed drastically because of this and it has ruined many good opportunities for me since my credit was severely impacted every time they sent it to another collections agency after each time I won a dispute. XXXX fraud management told me they would n't investigate this from the very beginning. Well in XXXX of XXXX I contacted them again trying to resolve the issue and the lady told me that they had already investigated this twice and that they would n't investigate it again. I told her that 's a lie because they told me they would n't investigate it in the first place because they did n't consider this a fraud issue. I got ahold of a supervisor and told her how I have this police report from when it first happened and because of this she agreed to investigate the claim this time. A couple days later or so they call back and tell me that their investigation shows that I have family living at the address in XXXX XXXX and therefore I am responsible for the charges. This was a bold faced lie and an outright desperate attempt. I have never been to XXXX XXXX or anywhere near it and no XXXX in my entire family ever has. I then stated that I wanted copies of the paperwork they have proving these allegations and of course they could provide any such documents. Cont. in next section..,,Convergent Resources: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.