Total CFPB complaints
7,679
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 7,679 complaints
Convergent Resources, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 53 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Convergent Resources, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
3,296 complaints
- Written notification about debt 1,276
Written notification about debt
1,276 complaints
- Cont'd attempts collect debt not owed 1,072
Cont'd attempts collect debt not owed
1,072 complaints
- False statements or representation 461
False statements or representation
461 complaints
- Disclosure verification of debt 288
Disclosure verification of debt
288 complaints
- Communication tactics 259
Communication tactics
259 complaints
D
Grade D · 57.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Convergent Resources, Inc.?
Convergent Resources, Inc. has accumulated 7,679 total CFPB complaints across 53 states, with 39 filed in the most recent 12 months against 7,640 historical complaints before that window. The trailing-12-month volume represents 0.5% 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 100% timely-response rate against a 12% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 53 states, led by Florida with 895 and California with 846, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.0/100 places Convergent Resources, Inc. 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
39
0.5% of total history
Rising ↑
States active
53
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
D
57.0/100 composite
Response-quality profile
How Convergent Resources, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 25.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 94.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Convergent Resources, Inc. compare to its peers?
Convergent Resources, … 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed3,296 (%)
Written notification about debt1,276 (%)
Cont'd attempts collect debt not owed1,072 (%)
False statements or representation461 (%)
Disclosure verification of debt288 (%)
Communication tactics259 (%)
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 | 1,890 |
| Written notification about debt | Didn't receive enough information to verify debt | 948 |
| Cont'd attempts collect debt not owed | Debt is not mine | 846 |
| Attempts to collect debt not owed | Debt was result of identity theft | 814 |
| Attempts to collect debt not owed | Debt was paid | 592 |
| False statements or representation | Attempted to collect wrong amount | 461 |
| Written notification about debt | Didn't receive notice of right to dispute | 328 |
| Disclosure verification of debt | Not given enough info to verify debt | 288 |
| Communication tactics | Frequent or repeated calls | 259 |
| Cont'd attempts collect debt not owed | Debt was paid | 226 |
Where do complaints against Convergent Resources, Inc. come from?
The states where consumers have filed the most CFPB complaints against Convergent Resources, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Convergent Resources, Inc.
Across 53 states with at least one filing
- Florida
Florida
895 complaints
- California
California
846 complaints
- Texas
Texas
834 complaints
- Georgia
Georgia
585 complaints
- New York 352
New York
352 complaints
- Illinois 350
Illinois
350 complaints
- New Jersey 289
New Jersey
289 complaints
- Pennsylvania 285
Pennsylvania
285 complaints
Frequently Asked Questions
What is the most common complaint against Convergent Resources, Inc.? ▼
The most common issue consumers report about Convergent Resources, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 7,679 complaints filed with the CFPB.
Are complaints against Convergent Resources, Inc. increasing or decreasing? ▼
Complaints against Convergent Resources, Inc. are rising. The company received 39 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Convergent Resources, Inc.'s reputation grade? ▼
Convergent Resources, Inc. has a reputation grade of D (score: 57.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Convergent Resources, Inc. respond to consumer complaints? ▼
Convergent Resources, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.
In how many states does Convergent Resources, Inc. operate? ▼
Convergent Resources, Inc. has received CFPB complaints from consumers in 53 states, with the most complaints from Florida (895 complaints).
What can I do if Convergent Resources, Inc. 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 Convergent Resources, Inc. 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 |