Wakefield and Associates received the consumer's request for validation of the account on April 12, 2016, and an itemization was sent to the consumer on April 13, 2016. Mrs. [redacted] called our office on April 21, 2016, and left a voice mail message for us. We attempted to return her call...
on April 22 without success, and left a message. We attempted calls back to the consumer's household subsequently on April 25, 27, and 28. On April 28 one of our associates spoke with Mrs. [redacted] and set up a payment arrangement. Attached is the itemization that was sent to the consumer previously.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I do understand that Wakefield has a job to do. I am also aware of how regulations work and some of the information is still incorrect. The employer I worked for did not have a payroll department, and I did sit with her while she made the phone call. The information told to her in the form of negative statements about my credit and what's to come were made. The conversations that took place with the previous collector were also in a harassing manner, but the outcome is acceptable at this point and I will handle the account through [redacted].I appreciate your willingness to work with me on resolving this matter and I do understand if accounts are placed in your company in the future that I am liable for them and can be notified and have them discussed with me. I have no problem with that, but there is a way to do business and there are regulations to be followed that this company doesn't tend to follow. My last inquiry is concerning my credit report. As this account will no longer be in your possession, that means your company will be removing it from my credit report since it should have never gone to you guys anyways, correct? Thank you for your time in solving this matter, and again I appreciate your willingness to come to an agreement on the matter.
Sincerely,
[redacted]
We still have not actually appeared to court yet. The continuance has been set for October 24th, 2016. I called the manager I have been working with yesterday and even though the bill is paid they are still looking to bring me to court as it stands because regardless of proof I attempt to offer to...
show that the clerical error was not on my part. The manager stated if I wanted this removed from my credit report I MUST pay the approximately $130 in court fees they incurred. I feel as though they are attempting to extort their fees from me in exchange for the deletion from my credit report even though none of this should have happened in the first place. I also discovered that [redacted] did not tell Wakefield and Associates about the $39 balance I had (and paid) they report everything as paid. This is also similar to an event where [redacted] changed their bill from about $530 to $695. Wakefield and Associates seems to have no idea why they are attacking me but just that they are supposed to attack me and get their money from me.
RE: Wakefield and Associates file number [redacted] One July 13, 2016, [redacted] placed an account in the amount of $110.93 with our office for collection. It relates to charges resulting from an emergency department visit at [redacted] on January 18, 2016. ...
Wakefield and Associates ordered its letter service to send the consumer an initial notice related to the account on July 14, 2016, and unfortunately the notice was not sent because the letter service identified the consumer’s address as an incorrect address. Information was provided to credit reporting agencies on October 17, 2016. On October 24, 2016, we have ordered an initial notice, including a statement of the consumer’s right to dispute the debt, to be sent to the consumer. Verification of the consumer’s debt, including the name and address of the original creditor, and specifics about the date and place at which services were provided, was provided to the consumer via other means and is not included with this response. In an effort to assist the consumer, we have instructed credit reporting agencies to remove this account from the consumer’s credit report.
This account is closed out with our office, there will be no additional communication from Wakefield & Associates pertaining to account [redacted] from [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
Complaint: [redacted]
I am rejecting this response because: it has been determined by indermedix physician billing that due to me not receiving any additional bill due to it being sent to the wrong address all along, they have requested Wakefield and associate to remove the bill from my credit reports. I have been offered a discount for the inconvenience and my arrangments has been made with intermedix. The bill isnot to remain on my credit report and I have the recorded documentation to verify that. This wont be settled, until it is removed!!!!
Sincerely,
[redacted]
Complaint: [redacted]
I am rejecting this response because:While a payment of mine was misapplied at Sky Ridge (and applied to an account where no money was due), that correction wasn't for this bill. When I spoke to the Wakefield representative this year, it was without the benefit of the details on this case. I mentioned that it could be related to identity theft since I had no outstanding medical debts. I said that I would need further information to investigate since I could not place or acknowledge the debt. I don't recall receiving any mail from Wakefield after that phone call. There was no agreement to send in information on my part. I have viewed copies of my credit report from TransUnion and Equifax before filing this claim and both noted this account as disputed with the TransUnion report also remarking that the account meets FRCA requirements. I do not know how the account would obtain that designation without contact with Wakefield.I spoke with Beacon who handles the billing for CarePoint. Their representative is claiming the payment was not received despite it showing as processed on my credit union statement. The credit union has verbally confirmed that the payment was cashed weeks before CarePoint referred the account to Wakefield. Since the payment was digital, I cannot access a copy of the check directly. The credit union is needing to pull a copy from their system to mail to me.
Sincerely,
[redacted]
After the consumer did not agree with our original response, we reached out to the creditor to seek further information. As we did not receive any response from our client, we have closed this account in our system and returned it to the original creditor. Wakefield and Associates has ceased attempts to collect this debt. We will instruct consumer reporting agencies to remove this tradeline from the consumer’s credit report in the normal course of business.
re: Wakefield & Associates file number [redacted]Wakefield and Associates sent the attached initial notices to the consumer regarding her accounts on January 6, 2015 and January 8, 2016. We received correspondence from her on October 13, 2016, at which time we updated the status...
of the accounts to disputed and sought validation from our client. Our client did not respond to our request. On December 12, 2016, we instructed credit reporting agencies to remove the accounts from the consumer's credit report.
Initial Business Response /* (1000, 6, 2015/11/24) */
Re: [redacted] file #XXXXXXX
The consumer's account relates to an unpaid Chase credit card, was placed with [redacted] and Associates for collection on May 17, 2012. An initial notice related to the account was sent the same...
day, reflecting the current balance at the time. That notice was returned by the Post Office, and after conducting research related to the consumer's location, a duplicate initial notice was sent on October 2, 2012. We notified the consumer by mail on or about January 24, 2013, that we intended to file suit if arrangements were not made to resolve the balance. Service of process was effectuated on February 27, 2013. On April 25, 2014, the consumer appeared at court. No payment arrangements were made at that time as the consumer claimed to be unemployed. The attorney provided the consumer a card with our contact information and informed him to contact our office to set up payment arrangements when his was in a position to pay. Judgment was rendered on April 25, 2013. [redacted] and Associates received no communication from the consumer. [redacted] and Associates learned of the consumer's employment status in late October, 2015, and served a garnishment order on his employer in execution of the judgment in early November, 2015.
The interest which has accrued on the account is the contractual interest of 23.99%. The consumer was informed that this interest would accrue when he spoke with our attorney at the courthouse in April, 2013, which is why he was encouraged to contact our office and set up a payment arrangement. If the consumer wishes to discuss this account with an account manager, he is invited to call [redacted] at [redacted] ext. [redacted]
Complaint Response Date bumped because: Holiday
In an effort to locate an individual, the consumer's contact information was provided to Wakefield and Associates in error. Upon receipt of her dispute, her contact information was removed from our system. The consumer is not associated with this account in any way, and Wakefield and Associates...
will not contact her in regard to it again. We apologize for any inconvenience she has experienced.
[redacted], Wakefield and Associates (WA) has investigated your complaint and offers the following response based on our records. Our client [redacted] placed and account with WA for collections on 10/18/2011 for services rendered to [redacted] on...
10/08/2010. WA mailed a notice on 10/22/2011 which provided the account details and the FDCPA Validation Notice. This letter was mailed to [redacted]. Since our initial notice WA has mailed 3 additional letters. After reviewing your complaint WA has updated the status of your account to reflect a dispute. WA has additionally made a business decision and will be requesting for this account to be withdrawn from credit reporting due to the age of the account. If you require additional information please contact WA directly at [redacted].
[redacted] Wakefield & Associates has reviewed your rejection and offers the following. WA has decided to close your account, a request for credit deletion has been sent to the credit reporting agencies. WA has ceased activity on this account.
Initial Business Response /* (1000, 6, 2015/11/03) */
[redacted] and Associates file no. XXXXXXX
The consumer spoke with our office on November 2, 2015, regarding this account and the garnishment that he references in his complaint. To summarize, we had spoken with the consumer on May 1, at which...
time he entered into a payment arrangement. Promised payments were not made.
As a result, a summons and complaint were prepared and served on August 31, 2015. A judgment was rendered on September 30, 2015 (case 2015CXXXXXX, Boulder County Court). In the conversation on November 2, our representative explained the court costs and attorney fees that were awarded by the court, and [redacted] responded that he understood. Attached is the breakdown which was reviewed with the consumer during that call.
Re: Wakefield and Associates file number [redacted] Regarding the consumer’s dissatisfaction with a call she received at her place of employment, we would like the consumer to know that debt collectors may call a consumer at her place of employment until informed that such contacts are...
inconvenient or prohibited by the consumer’s employer. Upon such notification, calls must cease. We have taken steps to prevent calls to the consumer at her place of employment in the future. The verification process about which the consumer expressed dissatisfaction is required to ensure that the person to whom we are about to disclose information about is debt is the correct person. Several accounts have been placed with Wakefield and Associates by [redacted] for the consumer. We sent the consumer a communication by mail which itemized the accounts recently placed with our office for collection. That notice is attached, and the password necessary to open the .PDF file is renkim01. We posted a payment of $586.52 on December 1, 2014 to account [redacted] 002, which had a service date of March 18, 2014. This payment satisfied this account in full. Our account number [redacted] relates to services provided on May 12, 2015. The balance place with our office reflects a 60% discount provided to the consumer by [redacted]. The balance placed with our office was $620.02, as reflected on the attached letter. Four payments totaling $130.02 have been applied to this account, bringing in the current balance to $490.00. The last payment applied to this account was posted on July 20, 2016. Our account number [redacted] 005 relates to services provided on July 8, 2015. Four payments totaling $122.92 have been posted to this account. The last payment was applied on July 20, 2016. The original balance of this account was $612.92, and the current amount due for this account is $490.00 The current balance of all accounts placed with our office for the consumer is $980.00.
Wakefield & Associates (WA) has reviewed the complaint filed by [redacted] on 1/31/2018 and offers the following response. Our client [redacted] placed an account with WA on 11/20/2017 for services rendered to [redacted] on 3/1/2017. WA denies the...
allegation of placing several harassing phone calls. WA has made one attempt to contact Ms. [redacted] on 1/25/2018; the call lasted 29 seconds in duration and is attached to this response. WA’s policy is to confirm we are communicating with the right party to protect their privacy, during this call the account representative was attempting to confirm he is speaking with [redacted] before Ms. [redacted] terminated the call. On 1/30/2018 WA was notified by the client the account balance was satisfied and the file was closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
Wakefield and Associates (WA) has investigated [redacted]’s complaint and offers the following response. Our client [redacted] Emergency Department placed 2 accounts with WA on 2/19/2016. Each account listed [redacted] as the patient and guarantor, for services rendered on 6/21/2013 and...
7/12/2013. On 3/5/2016 WA sent a notice to [redacted] which included details for each account and the [redacted] Validation Notification. After reviewing [redacted]’s complaint WA has updated the status of his accounts to reflect his dispute and has transmitted the updated status to the credit reporting agencies if applicable. WA imitated a reasonable investigation into his dispute and has attached the results to our response.
Initial Business Response /* (1000, 7, 2015/07/07) */
[redacted] was aware of the account when we talked to her 7/18/14, we also sent additional notices out on that same day. [redacted] contacted our office on 7/31/14 to set up payment arrangements to begin 8/29/14. [redacted] never made the...
agreed upon payments. Wakefield & Associates served [redacted] with court papers 12/8/14. [redacted] called in 12/15/14 to verify the receipt of court papers. On 12/23/14 [redacted] made arrangements to pay 5 months of payments at 142.15 a month. [redacted] did make 3 of the payments but defaulted on the last 2 payments. A judgment was entered for the remaining balance owed and court costs.
Wakefield and Associates received the consumer's request for validation of the account on April 12, 2016, and an itemization was sent to the consumer on April 13, 2016. Mrs. [redacted] called our office on April 21, 2016, and left a voice mail message for us. We attempted to return her call...
on April 22 without success, and left a message. We attempted calls back to the consumer's household subsequently on April 25, 27, and 28. On April 28 one of our associates spoke with Mrs. [redacted] and set up a payment arrangement. Attached is the itemization that was sent to the consumer previously.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I do understand that Wakefield has a job to do. I am also aware of how regulations work and some of the information is still incorrect. The employer I worked for did not have a payroll department, and I did sit with her while she made the phone call. The information told to her in the form of negative statements about my credit and what's to come were made. The conversations that took place with the previous collector were also in a harassing manner, but the outcome is acceptable at this point and I will handle the account through [redacted].I appreciate your willingness to work with me on resolving this matter and I do understand if accounts are placed in your company in the future that I am liable for them and can be notified and have them discussed with me. I have no problem with that, but there is a way to do business and there are regulations to be followed that this company doesn't tend to follow. My last inquiry is concerning my credit report. As this account will no longer be in your possession, that means your company will be removing it from my credit report since it should have never gone to you guys anyways, correct? Thank you for your time in solving this matter, and again I appreciate your willingness to come to an agreement on the matter.
Sincerely,
[redacted]
We still have not actually appeared to court yet. The continuance has been set for October 24th, 2016. I called the manager I have been working with yesterday and even though the bill is paid they are still looking to bring me to court as it stands because regardless of proof I attempt to offer to...
show that the clerical error was not on my part. The manager stated if I wanted this removed from my credit report I MUST pay the approximately $130 in court fees they incurred. I feel as though they are attempting to extort their fees from me in exchange for the deletion from my credit report even though none of this should have happened in the first place. I also discovered that [redacted] did not tell Wakefield and Associates about the $39 balance I had (and paid) they report everything as paid. This is also similar to an event where [redacted] changed their bill from about $530 to $695. Wakefield and Associates seems to have no idea why they are attacking me but just that they are supposed to attack me and get their money from me.
RE: Wakefield and Associates file number [redacted] One July 13, 2016, [redacted] placed an account in the amount of $110.93 with our office for collection. It relates to charges resulting from an emergency department visit at [redacted] on January 18, 2016. ...
Wakefield and Associates ordered its letter service to send the consumer an initial notice related to the account on July 14, 2016, and unfortunately the notice was not sent because the letter service identified the consumer’s address as an incorrect address. Information was provided to credit reporting agencies on October 17, 2016. On October 24, 2016, we have ordered an initial notice, including a statement of the consumer’s right to dispute the debt, to be sent to the consumer. Verification of the consumer’s debt, including the name and address of the original creditor, and specifics about the date and place at which services were provided, was provided to the consumer via other means and is not included with this response. In an effort to assist the consumer, we have instructed credit reporting agencies to remove this account from the consumer’s credit report.
This account is closed out with our office, there will be no additional communication from Wakefield & Associates pertaining to account [redacted] from [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
Complaint: [redacted]
I am rejecting this response because: it has been determined by indermedix physician billing that due to me not receiving any additional bill due to it being sent to the wrong address all along, they have requested Wakefield and associate to remove the bill from my credit reports. I have been offered a discount for the inconvenience and my arrangments has been made with intermedix. The bill isnot to remain on my credit report and I have the recorded documentation to verify that. This wont be settled, until it is removed!!!!
Sincerely,
[redacted]
Complaint: [redacted]
I am rejecting this response because:While a payment of mine was misapplied at Sky Ridge (and applied to an account where no money was due), that correction wasn't for this bill. When I spoke to the Wakefield representative this year, it was without the benefit of the details on this case. I mentioned that it could be related to identity theft since I had no outstanding medical debts. I said that I would need further information to investigate since I could not place or acknowledge the debt. I don't recall receiving any mail from Wakefield after that phone call. There was no agreement to send in information on my part. I have viewed copies of my credit report from TransUnion and Equifax before filing this claim and both noted this account as disputed with the TransUnion report also remarking that the account meets FRCA requirements. I do not know how the account would obtain that designation without contact with Wakefield.I spoke with Beacon who handles the billing for CarePoint. Their representative is claiming the payment was not received despite it showing as processed on my credit union statement. The credit union has verbally confirmed that the payment was cashed weeks before CarePoint referred the account to Wakefield. Since the payment was digital, I cannot access a copy of the check directly. The credit union is needing to pull a copy from their system to mail to me.
Sincerely,
[redacted]
After the consumer did not agree with our original response, we reached out to the creditor to seek further information. As we did not receive any response from our client, we have closed this account in our system and returned it to the original creditor. Wakefield and Associates has ceased attempts to collect this debt. We will instruct consumer reporting agencies to remove this tradeline from the consumer’s credit report in the normal course of business.
re: Wakefield & Associates file number [redacted]Wakefield and Associates sent the attached initial notices to the consumer regarding her accounts on January 6, 2015 and January 8, 2016. We received correspondence from her on October 13, 2016, at which time we updated the status...
of the accounts to disputed and sought validation from our client. Our client did not respond to our request. On December 12, 2016, we instructed credit reporting agencies to remove the accounts from the consumer's credit report.
Initial Business Response /* (1000, 6, 2015/11/24) */
Re: [redacted] file #XXXXXXX
The consumer's account relates to an unpaid Chase credit card, was placed with [redacted] and Associates for collection on May 17, 2012. An initial notice related to the account was sent the same...
day, reflecting the current balance at the time. That notice was returned by the Post Office, and after conducting research related to the consumer's location, a duplicate initial notice was sent on October 2, 2012. We notified the consumer by mail on or about January 24, 2013, that we intended to file suit if arrangements were not made to resolve the balance. Service of process was effectuated on February 27, 2013. On April 25, 2014, the consumer appeared at court. No payment arrangements were made at that time as the consumer claimed to be unemployed. The attorney provided the consumer a card with our contact information and informed him to contact our office to set up payment arrangements when his was in a position to pay. Judgment was rendered on April 25, 2013. [redacted] and Associates received no communication from the consumer. [redacted] and Associates learned of the consumer's employment status in late October, 2015, and served a garnishment order on his employer in execution of the judgment in early November, 2015.
The interest which has accrued on the account is the contractual interest of 23.99%. The consumer was informed that this interest would accrue when he spoke with our attorney at the courthouse in April, 2013, which is why he was encouraged to contact our office and set up a payment arrangement. If the consumer wishes to discuss this account with an account manager, he is invited to call [redacted] at [redacted] ext. [redacted]
Complaint Response Date bumped because: Holiday
In an effort to locate an individual, the consumer's contact information was provided to Wakefield and Associates in error. Upon receipt of her dispute, her contact information was removed from our system. The consumer is not associated with this account in any way, and Wakefield and Associates...
will not contact her in regard to it again. We apologize for any inconvenience she has experienced.
[redacted], Wakefield and Associates (WA) has investigated your complaint and offers the following response based on our records. Our client [redacted] placed and account with WA for collections on 10/18/2011 for services rendered to [redacted] on...
10/08/2010. WA mailed a notice on 10/22/2011 which provided the account details and the FDCPA Validation Notice. This letter was mailed to [redacted]. Since our initial notice WA has mailed 3 additional letters. After reviewing your complaint WA has updated the status of your account to reflect a dispute. WA has additionally made a business decision and will be requesting for this account to be withdrawn from credit reporting due to the age of the account. If you require additional information please contact WA directly at [redacted].
[redacted] Wakefield & Associates has reviewed your rejection and offers the following. WA has decided to close your account, a request for credit deletion has been sent to the credit reporting agencies. WA has ceased activity on this account.
Initial Business Response /* (1000, 6, 2015/11/03) */
[redacted] and Associates file no. XXXXXXX
The consumer spoke with our office on November 2, 2015, regarding this account and the garnishment that he references in his complaint. To summarize, we had spoken with the consumer on May 1, at which...
time he entered into a payment arrangement. Promised payments were not made.
As a result, a summons and complaint were prepared and served on August 31, 2015. A judgment was rendered on September 30, 2015 (case 2015CXXXXXX, Boulder County Court). In the conversation on November 2, our representative explained the court costs and attorney fees that were awarded by the court, and [redacted] responded that he understood. Attached is the breakdown which was reviewed with the consumer during that call.
Re: Wakefield and Associates file number [redacted] Regarding the consumer’s dissatisfaction with a call she received at her place of employment, we would like the consumer to know that debt collectors may call a consumer at her place of employment until informed that such contacts are...
inconvenient or prohibited by the consumer’s employer. Upon such notification, calls must cease. We have taken steps to prevent calls to the consumer at her place of employment in the future. The verification process about which the consumer expressed dissatisfaction is required to ensure that the person to whom we are about to disclose information about is debt is the correct person. Several accounts have been placed with Wakefield and Associates by [redacted] for the consumer. We sent the consumer a communication by mail which itemized the accounts recently placed with our office for collection. That notice is attached, and the password necessary to open the .PDF file is renkim01. We posted a payment of $586.52 on December 1, 2014 to account [redacted] 002, which had a service date of March 18, 2014. This payment satisfied this account in full. Our account number [redacted] relates to services provided on May 12, 2015. The balance place with our office reflects a 60% discount provided to the consumer by [redacted]. The balance placed with our office was $620.02, as reflected on the attached letter. Four payments totaling $130.02 have been applied to this account, bringing in the current balance to $490.00. The last payment applied to this account was posted on July 20, 2016. Our account number [redacted] 005 relates to services provided on July 8, 2015. Four payments totaling $122.92 have been posted to this account. The last payment was applied on July 20, 2016. The original balance of this account was $612.92, and the current amount due for this account is $490.00 The current balance of all accounts placed with our office for the consumer is $980.00.
Wakefield & Associates (WA) has reviewed the complaint filed by [redacted] on 1/31/2018 and offers the following response. Our client [redacted] placed an account with WA on 11/20/2017 for services rendered to [redacted] on 3/1/2017. WA denies the...
allegation of placing several harassing phone calls. WA has made one attempt to contact Ms. [redacted] on 1/25/2018; the call lasted 29 seconds in duration and is attached to this response. WA’s policy is to confirm we are communicating with the right party to protect their privacy, during this call the account representative was attempting to confirm he is speaking with [redacted] before Ms. [redacted] terminated the call. On 1/30/2018 WA was notified by the client the account balance was satisfied and the file was closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
Wakefield and Associates (WA) has investigated [redacted]’s complaint and offers the following response. Our client [redacted] Emergency Department placed 2 accounts with WA on 2/19/2016. Each account listed [redacted] as the patient and guarantor, for services rendered on 6/21/2013 and...
7/12/2013. On 3/5/2016 WA sent a notice to [redacted] which included details for each account and the [redacted] Validation Notification. After reviewing [redacted]’s complaint WA has updated the status of his accounts to reflect his dispute and has transmitted the updated status to the credit reporting agencies if applicable. WA imitated a reasonable investigation into his dispute and has attached the results to our response.
Initial Business Response /* (1000, 7, 2015/07/07) */
[redacted] was aware of the account when we talked to her 7/18/14, we also sent additional notices out on that same day. [redacted] contacted our office on 7/31/14 to set up payment arrangements to begin 8/29/14. [redacted] never made the...
agreed upon payments. Wakefield & Associates served [redacted] with court papers 12/8/14. [redacted] called in 12/15/14 to verify the receipt of court papers. On 12/23/14 [redacted] made arrangements to pay 5 months of payments at 142.15 a month. [redacted] did make 3 of the payments but defaulted on the last 2 payments. A judgment was entered for the remaining balance owed and court costs.