Total CFPB complaints
9
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 9 complaints
Convergence Acquisitions, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Convergence Acquisitions, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
D
Grade D · 58.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Convergence Acquisitions, LLC?
Convergence Acquisitions, LLC has accumulated 9 total CFPB complaints across 3 states, with 2 filed in the most recent 12 months against 7 historical complaints before that window. The trailing-12-month volume represents 22.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 78% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by Iowa with 5 and Michigan with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.6/100 places Convergence Acquisitions, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
22.2% of total history
Rising ↑
States active
3
Distinct state filings
Timely response rate
78%
Within CFPB SLA window
Reputation grade
D
58.6/100 composite
Response-quality profile
How Convergence Acquisitions, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 77.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Convergence Acquisitions, LLC compare to its peers?
Convergence Acquisitio… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2018-07 2025-07
Top Consumer Issues
Attempts to collect debt not owed4 (%)
Took or threatened to take negative or legal action4 (%)
Written notification about debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
Where do complaints against Convergence Acquisitions, LLC come from?
The states where consumers have filed the most CFPB complaints against Convergence Acquisitions, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Convergence Acquisitions, LLC
Across 3 states with at least one filing
- Iowa
Iowa
5 complaints
- Michigan
Michigan
2 complaints
- Ohio
Ohio
2 complaints
Frequently Asked Questions
What is the most common complaint against Convergence Acquisitions, LLC? ▼
The most common issue consumers report about Convergence Acquisitions, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 9 complaints filed with the CFPB.
Are complaints against Convergence Acquisitions, LLC increasing or decreasing? ▼
Complaints against Convergence Acquisitions, LLC are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Convergence Acquisitions, LLC's reputation grade? ▼
Convergence Acquisitions, LLC has a reputation grade of D (score: 58.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Convergence Acquisitions, LLC respond to consumer complaints? ▼
Convergence Acquisitions, LLC has a 78% timely response rate to CFPB complaints.
In how many states does Convergence Acquisitions, LLC operate? ▼
Convergence Acquisitions, LLC has received CFPB complaints from consumers in 3 states, with the most complaints from Iowa (5 complaints).
What can I do if Convergence Acquisitions, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Convergence Acquisitions, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |