Debt collection
Convergent Resources: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 73
- Closed with money back
- 0
- 2023 to 2025
- 61 to 5
Convergent Resources received 820 complaints from everyone in the window; 73 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0 of the 73 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count fell from 61 in 2023 to 5 in 2025.
What the complaints are about
By product
| Debt collection | 56 |
| Credit reporting, credit repair services, or other personal consumer reports | 13 |
| Credit reporting or other personal consumer reports | 3 |
| Money transfer, virtual currency, or money service | 1 |
By issue
| Attempts to collect debt not owed | 36 |
| Incorrect information on your report | 8 |
| Written notification about debt | 7 |
| Improper use of your report | 6 |
| False statements or representation | 5 |
| 2023: 61 | 2024: 7 | 2025: 5 |
Which accounts, specifically
| Other debt | 44 |
| Credit reporting | 18 |
| Telecommunications debt | 8 |
| I do not know | 6 |
| Rental debt | 1 |
What went wrong, specifically
| Debt is not yours | 21 |
| Debt was paid | 11 |
| Debt was result of identity theft | 7 |
| Reporting company used your report improperly | 6 |
| Didn't receive notice of right to dispute | 6 |
Busiest month: May 2023, with 11 servicemember complaints. Most were submitted by web.
Most complaints came from TX (14), NC (6), IL (5) , then OH, FL, CA.
How Convergent Resources answered
| Closed with explanation | 73 |
Convergent Resources responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (58). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Attempts to collect debt not owed. SC, 2024-08-16. Outcome: Closed with explanation. Complaint 9829417
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Debt collection; Written notification about debt. OH, 2024-04-20. Outcome: Closed with explanation. Complaint 8819284
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Debt collection; Electronic communications. WA, 2024-04-11. Outcome: Closed with explanation. Complaint 8749924
If this is your problem at Convergent Resources
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Lj Ross Associates 74 servicemember complaints; 0 with money back
- Professional Debt Mediation 72 servicemember complaints; 0 with money back
- Capio Partners 76 servicemember complaints; 0 with money back
- TekCollect 76 servicemember complaints; 0 with money back
- Kimball, Tirey & St. John LLP 79 servicemember complaints; 0 with money back
Next in the directory by volume: Specialized Loan Servicing, Carvana.
Frequently asked questions
How many complaints did servicemembers file against Convergent Resources?
73 complaints tagged servicemember were received by the CFPB about Convergent Resources, Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count fell from 61 in 2023 to 5 in 2025.
What do servicemembers complain about most at Convergent Resources?
Debt collection accounts for 56 of the 73 complaints, and the most common issue is "Attempts to collect debt not owed" (36). Next: "Incorrect information on your report" (8).
Does Convergent Resources give money back when a servicemember complains?
0 of the 73 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 73 closed with an explanation only. Convergent Resources answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.