Wakefield & Associates has investigated the complaint filed by Amber Cruse on 1/3/and offers the following response Our client placed an account with our office for a contract pertaining to Yukon Court Apartments This account was placed with WA on 5/13/and MsCruse was notified of the account 5/20/by mail After reviewing Ms [redacted] complaint WA has updated the account to reflect her dispute WA initiated a reasonable investigation into her dispute and have attached the results of our investigation to this response
RE: Wakefield & Associates file number [redacted] This account from [redacted] was placed with our office for collection on June 9, A notice related to this account was sent to the consumer the next dayWe have had a number of conversations with the consumer On December 29, we were informed by our client that they wrote off the balance due in as the result of a [redacted] denial, and the account was placed for collection in error The account has been returned to [redacted] and is no longer in collectionsWe apologize for any inconvenience the consumer has experienced
re: Wakefield & Associates file number [redacted] Wakefield and Associates sent the attached initial notices to the consumer regarding her accounts on January 6, and January 8, 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 / [redacted] (1000, 14, 2015/09/25) */ While the consumer's account at [redacted] and Associates, is closed with a zero balance and has been returned to [redacted] we would like to provide clarification for the consumer. The timeline related to the consumer's account is as... follows: on July 14, 2014, a judgment was entered against the consumer related to his [redacted] account in favor of [redacted] Only June 17, 2014, [redacted] was informed that the consumer had filed bankruptcy, and on November 24, 2014, the debt was discharged in the consumer's bankruptcy. While the judgment predates the bankruptcy, the fact of the bankruptcy nullifies the judgment. The judgment appearing on the consumer's credit report was not reported by [redacted] but by a third party that sweeps public records and furnishes information on judgments to credit reporting agencies. The recourse the consumer has at this point is to inform the credit reporting agencies of the situation and request them to delete the judgment from his consumer report. This can be achieved by accessing each of the credit reporting agencies' websites at [redacted] com, [redacted] and [redacted] Initial Consumer Rebuttal / [redacted] (3000, 16, 2015/09/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) It was [redacted] that put the judgement on my credit report.
RE: Wakefield & Associates file number [redacted] This account was placed with Wakefield & Associates was place for collection on or about July 15, Because the account was placed with an indicator that our client had received a mail return when it attempted to send an invoice to the consumer, Wakefield and Associates sought an updated address for the consumerThis search yielded no results Wakefield and Associated placed a call to the consumer on January 7, and left a message requesting a call backWe have no record of receiving a call from the consumer as a result of that messageOn March 8, 2016, the consumer called and paid the account in full On March 11, we received a communication from our client in which the client instructed Wakefield to instruct credit reporting agencies to remove the tradeline from the consumer's credit report On March 16, Wakefield and Associates faxed a letter confirming the credit deletion to the consumer's lender at his request
[redacted] Wakefield and Associates has reviewed your complaint and offers the following response based on our records Our client [redacted] placed an account with our office on 6/23/for services rendered to [redacted] on 11/12/ WA has performed a reasonable investigation into your dispute and as a result, has made a business decision to close your account WA will not pursue further collection activity on this account
Today we resolved this issue with Mr [redacted] The action against him is in process of being dismissed, and the court costs are waived We have submitted a request to credit reporting agencies to remove this item from the consumer's credit report
Re: Wakefield and Associates file number [redacted] This account was placed with our office for collection of or about June 27, An initial notice was sent to the consumer on 6/30/2014, and a duplicate notice was sent to the consumer on 11/3/ The consumer has previously claimed that this balance was paid by his insurance, and has also claimed that any balance due should be paid by insurance because it was not properly filed by the providerThe consumer has told us that he has EOBs (Explanation of Benefit documents) which show the balance to have been paid, and he has provided paperwork to us, however none of the documents provided are EOBs—rather they are invoices and payment histories from the provider which can be confusing to consumers because of the accounting language which is used The consumer has indicated that “bad debt agency write off” means that the balance is no longer owed because it was “written off.” On the contrary, this language merely means that the provider has written this balance off of its active accounts receivable over to bad debt, and the balance remains due and owingIf the consumer can provide actual EOBs from his insurance showing the balance is paid, we would be able to close this account In our regular update to credit reporting agencies on February 26, 2016, we instructed them to remove this account from the consumer’s credit report However, the account remains due and owing
Wakefield and Associates (WA) has reviewed the complaint filed by [redacted] and offers the following response Our client [redacted] placed an account with our office on 7/13/for services rendered to [redacted] on 7/16/ On 8/24/Mr*** was sent notification of the account and the FDCPA Validation Notice After reviewing the complaint WA updated the status of Mr***’ account to reflect his dispute, and initiated a reasonable investigation into the dispute Mr [redacted] is confused about who we are representing, our client is the physician group with provided treatment to Mr [redacted] on 7/16/2014, not the facility in which treatment was receivedAlthough the hospital may have written off their portion of the debt, the physician group’s bill is still owing Attached to this response Mr [redacted] will find an itemization for the services provide to him WA has not received communication from Mr [redacted] nor the hospital as described in his complaint WA has updated Mr***’ account so that he will not receive additional communication from WA pertaining to this debt If Mr [redacted] requires additional information WA can be contacted directly at (800) 864-
Initial Business Response /* (1000, 5, 2015/08/17) */
*** & *** received this account for collections on 12/23/The account was at a previous agency since 10/10, per the notes included with the account the previous agency did talk to Mr*** 8/Mr*** was inquiring on a
payment planThere is no indication that the previous agency was advised of a bankruptcy on the account*** & *** did talk to Mr*** on 8/6/that was when Mr*** informed *** that his mother had filed chapter bankruptcy but did not give us that informationSeeing that Mr*** was a minor at the time of service *** will be more than happy to cancel the account due to a bankruptcy once the case # and filing date are provided to our officeUntil the information is provided I will keep the account on a hold status and do a manual deletion from Mr***'s credit report
Initial Consumer Rebuttal /* (3000, 7, 2015/08/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This needs to be removed from my credit immediatelyThis was not handled in a friendly or professional matter*** clearly acknowledge I was a minor at the time my mother filed bankruptcy and this account was in her nameThat is sufficient enough information to remove the account from my credit history
Final Business Response /* (4000, 15, 2015/09/03) */
The deletion request was sent to all major credit bureaus*** *** *** and ***
Final Consumer Response /* (2000, 17, 2015/09/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
This wasn't handled professionally, but that is the resolution I was seeking
Initial Business Response /* (1000, 5, 2015/08/10) */
The initial notice was sent to the address that *** *** has provided on her disputeIt went out 3/13/The itemization will be sent today
Initial Consumer Rebuttal /* (3000, 7, 2015/08/17) */
(The consumer indicated he/she DID NOT
accept the response from the business.)
I did not receive a statement in March 2015, I receive a piece of paper 08/I did not receive a itemizationYou simply sent me information that states the debt you are trying to seek from me is past the statute of limitation in the state of *** On my credit report you are reporting wrong information(Send information to the credit bureaus ( FDCPA U.S.C1692e)) Which is against the lawOn the piece of paper you sent me it states the account was open in 08/31/and the date of service was on 01/29/which actually your statement with your ledgerI ask for the original ** *** *** statement and not your address below the ** *** *** titleI would like you to get off my credit report and to stop contacting me about this debtYou have not given me what I ask for which is the original information/statement from ** *** ***
Final Consumer Response /* (4200, 11, 2015/09/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree to this since you have not followed thru and deleted the account from my credit reportI need Wakefield to send me a letter stating that they have indeed removed themselves from my credit report until then I do not agree with this
Final Business Response /* (4000, 13, 2015/09/15) */
In our response to the consumer's original complaint, dated 8/27/2015, we said that we would cancel the account and that it would be deleted from the consumer's credit reportCredit deletions occur in the course of businessWakefield furnishes credit reporting updates to credit reporting agencies monthly, and cannot predict the amount of time it will take for credit reporting agencies to process our electronic updatesIn an effort to further assist the consumer, Wakefield and Associates has processed a manual deletion request to credit reporting agenciesA copy of that request is attachedWe cannot predict the amount of time it will take credit reporting agencies to process this request
re: Wakefield & Associates file number ***. This account was placed with our office for collection on July 9, by *** *** *** on behalf of *** *** ***. The consumer commenced making monthly payments toward the balance on September 21, 2015. On
February 8, 2017, she informed our office that she had received a letter from her insurance company explaining that the balance had been placed for collection error. On February 9, we received a fax from the consumer which transmitted the letter from Anthem. On February 13, 2017, we were informed by our client to return the account. On March 30, we mailed the consumer a check in the amount of $5,to refund the payments she had made on this account. We notified the consumer about the refund by phone on March 31. We apologize for the delay in providing her with the refund
Ms*** appears to be reading the Fair Debt Collection Practices Act (FDCPA) incorrectly. As it relates to communication with third parties about a debt, we direct her to Sec805(b) of the Act, communications with third parties made “as reasonably necessary to effectuate a post judgment judicial remedy” are communications that are exempt from the prohibition on third party disclosureI have provided the section below Sec805b: Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector Our records indicate that on April 29, 2013, the payroll department where she was employed at the time called our office after receipt of a garnishment which was served on them in an effort to enforce a judgment entered against Ms*** on or about 02/15/2013. The payroll person sought explanation of the documents and we discussed them with herThis conversation was “as reasonably necessary to effect a post judgment judicial remedy.” A further conversation related to the garnishment occurred on 06/04/and 8/30/and the judgment was satisfied on 10/9/ As to the consumer’s allegations that she notified our office to cease communication, I find no written request from her to our office to cease. Sec805(c) of the FDCPA provides: “If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.” We are sorry about the hardships that Ms*** has had to endure as a result of the tragic experience she suffered. We have ceased collection activity related to the account placed by *** *** *** ***, and have returned the account to the clientWe have taken measures to prevent further communication with her related to accounts currently placed with our office, however, if other accounts are placed with our office in the future she needs to understand that we have a duty to notify her of these accounts and provide a statement of her right to dispute the debt
Wakefield & Associates file number ***4. The consumer filed his Bankruptcy on June 10, 2014, and it was discharged on September 22, 2014. According to *** *** apartments, he vacated his apartment on November 5, Attached is Security Deposit Settlement Statement provided
by the creditor. The balance placed with Wakefield & Associates for collection are post-petition chargesWe have dispositioned this account as disputed and will cease communication with him as requested in his complaint
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
Complaint: ***
I am rejecting this response because: not only did I asked for a cease of communications but also for removal from credit all credit reports these fraudulent claims, unless can show a valid contract between me Wakefield Associates which I swear that doesn’t exist because I’ve never done any business with WA
Wakefield & Associates (WA) has investigated the complaint filed by *** *** on 10/3/and offers the following response. Our client *** *** placed an account with WA on 12/10/for services rendered to *** *** on 5/25/2012. WA mailed Mr*** a letter
within business days of account placement which provided account details and the FDCPA Validation notice WA has updated Mr***’s account to reflect his dispute. WA has attached supporting client documentation to this response pertaining to Mr***’s dispute. WA has not refused to provide supporting documentation to Mr*** at any timeWA does not have a letter on file from Mr***
Re: Wakefield & Associates file # ***
Mr*** has provided our office a notice and receipt of Payment from another debt collector, *** *** ***This document is in regard to payment of a ** *** overdraft account with a ** *** account number of
***which was opened on February 4, The account which was placed with Wakefield and Associates by our client, *** ***, relates to a *** *** account with ** *** account number of *** ***, also opened on February 4, 2010, on which judgment was rendered on 5/12/We have just today received validation of the account underlying the judgment which has been placed with us by *** ***We are sending this validation directly to the consumer today, including the original complaint filed in *** *** *** in ***, the judgment rendered by that court, and bank statements from ** *** regarding the underlying account
RE: Wakefield and Associates Incfile number ***This account was placed with Wakefield and Associates for collection on November 10, 2015. An initial notice regarding the account was sent to the consumer on November 11, 2015. Information was furnished to credit reporting
agencies on January 20, We received the consumer’s initial dispute letter on or about February 3, 2016, which included documentation that she had paid her bill to *** Hospital. We provided her with an itemized statement which showed that the bill placed with Wakefield and Associates for collection was a bill from *** Emergency Medical Associates, which bills for its services separately from the hospital. This account remains due and owingI have provided another version of this validation for the consumer’s convenience
Wakefield & Associates has investigated the complaint filed by Amber Cruse on 1/3/and offers the following response Our client placed an account with our office for a contract pertaining to Yukon Court Apartments This account was placed with WA on 5/13/and MsCruse was notified of the account 5/20/by mail After reviewing Ms [redacted] complaint WA has updated the account to reflect her dispute WA initiated a reasonable investigation into her dispute and have attached the results of our investigation to this response
RE: Wakefield & Associates file number [redacted] This account from [redacted] was placed with our office for collection on June 9, A notice related to this account was sent to the consumer the next dayWe have had a number of conversations with the consumer On December 29, we were informed by our client that they wrote off the balance due in as the result of a [redacted] denial, and the account was placed for collection in error The account has been returned to [redacted] and is no longer in collectionsWe apologize for any inconvenience the consumer has experienced
re: Wakefield & Associates file number [redacted] Wakefield and Associates sent the attached initial notices to the consumer regarding her accounts on January 6, and January 8, 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 / [redacted] (1000, 14, 2015/09/25) */ While the consumer's account at [redacted] and Associates, is closed with a zero balance and has been returned to [redacted] we would like to provide clarification for the consumer. The timeline related to the consumer's account is as... follows: on July 14, 2014, a judgment was entered against the consumer related to his [redacted] account in favor of [redacted] Only June 17, 2014, [redacted] was informed that the consumer had filed bankruptcy, and on November 24, 2014, the debt was discharged in the consumer's bankruptcy. While the judgment predates the bankruptcy, the fact of the bankruptcy nullifies the judgment. The judgment appearing on the consumer's credit report was not reported by [redacted] but by a third party that sweeps public records and furnishes information on judgments to credit reporting agencies. The recourse the consumer has at this point is to inform the credit reporting agencies of the situation and request them to delete the judgment from his consumer report. This can be achieved by accessing each of the credit reporting agencies' websites at [redacted] com, [redacted] and [redacted] Initial Consumer Rebuttal / [redacted] (3000, 16, 2015/09/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) It was [redacted] that put the judgement on my credit report.
RE: Wakefield & Associates file number [redacted] This account was placed with Wakefield & Associates was place for collection on or about July 15, Because the account was placed with an indicator that our client had received a mail return when it attempted to send an invoice to the consumer, Wakefield and Associates sought an updated address for the consumerThis search yielded no results Wakefield and Associated placed a call to the consumer on January 7, and left a message requesting a call backWe have no record of receiving a call from the consumer as a result of that messageOn March 8, 2016, the consumer called and paid the account in full On March 11, we received a communication from our client in which the client instructed Wakefield to instruct credit reporting agencies to remove the tradeline from the consumer's credit report On March 16, Wakefield and Associates faxed a letter confirming the credit deletion to the consumer's lender at his request
[redacted] Wakefield and Associates has reviewed your complaint and offers the following response based on our records Our client [redacted] placed an account with our office on 6/23/for services rendered to [redacted] on 11/12/ WA has performed a reasonable investigation into your dispute and as a result, has made a business decision to close your account WA will not pursue further collection activity on this account
Today we resolved this issue with Mr [redacted] The action against him is in process of being dismissed, and the court costs are waived We have submitted a request to credit reporting agencies to remove this item from the consumer's credit report
Re: Wakefield and Associates file number [redacted] This account was placed with our office for collection of or about June 27, An initial notice was sent to the consumer on 6/30/2014, and a duplicate notice was sent to the consumer on 11/3/ The consumer has previously claimed that this balance was paid by his insurance, and has also claimed that any balance due should be paid by insurance because it was not properly filed by the providerThe consumer has told us that he has EOBs (Explanation of Benefit documents) which show the balance to have been paid, and he has provided paperwork to us, however none of the documents provided are EOBs—rather they are invoices and payment histories from the provider which can be confusing to consumers because of the accounting language which is used The consumer has indicated that “bad debt agency write off” means that the balance is no longer owed because it was “written off.” On the contrary, this language merely means that the provider has written this balance off of its active accounts receivable over to bad debt, and the balance remains due and owingIf the consumer can provide actual EOBs from his insurance showing the balance is paid, we would be able to close this account In our regular update to credit reporting agencies on February 26, 2016, we instructed them to remove this account from the consumer’s credit report However, the account remains due and owing
Wakefield and Associates (WA) has reviewed the complaint filed by [redacted] and offers the following response Our client [redacted] placed an account with our office on 7/13/for services rendered to [redacted] on 7/16/ On 8/24/Mr*** was sent notification of the account and the FDCPA Validation Notice After reviewing the complaint WA updated the status of Mr***’ account to reflect his dispute, and initiated a reasonable investigation into the dispute Mr [redacted] is confused about who we are representing, our client is the physician group with provided treatment to Mr [redacted] on 7/16/2014, not the facility in which treatment was receivedAlthough the hospital may have written off their portion of the debt, the physician group’s bill is still owing Attached to this response Mr [redacted] will find an itemization for the services provide to him WA has not received communication from Mr [redacted] nor the hospital as described in his complaint WA has updated Mr***’ account so that he will not receive additional communication from WA pertaining to this debt If Mr [redacted] requires additional information WA can be contacted directly at (800) 864-
Initial Business Response /* (1000, 5, 2015/08/17) */
*** & *** received this account for collections on 12/23/The account was at a previous agency since 10/10, per the notes included with the account the previous agency did talk to Mr*** 8/Mr*** was inquiring on a
payment planThere is no indication that the previous agency was advised of a bankruptcy on the account*** & *** did talk to Mr*** on 8/6/that was when Mr*** informed *** that his mother had filed chapter bankruptcy but did not give us that informationSeeing that Mr*** was a minor at the time of service *** will be more than happy to cancel the account due to a bankruptcy once the case # and filing date are provided to our officeUntil the information is provided I will keep the account on a hold status and do a manual deletion from Mr***'s credit report
Initial Consumer Rebuttal /* (3000, 7, 2015/08/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This needs to be removed from my credit immediatelyThis was not handled in a friendly or professional matter*** clearly acknowledge I was a minor at the time my mother filed bankruptcy and this account was in her nameThat is sufficient enough information to remove the account from my credit history
Final Business Response /* (4000, 15, 2015/09/03) */
The deletion request was sent to all major credit bureaus*** *** *** and ***
Final Consumer Response /* (2000, 17, 2015/09/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
This wasn't handled professionally, but that is the resolution I was seeking
Initial Business Response /* (1000, 5, 2015/08/10) */
The initial notice was sent to the address that *** *** has provided on her disputeIt went out 3/13/The itemization will be sent today
Initial Consumer Rebuttal /* (3000, 7, 2015/08/17) */
(The consumer indicated he/she DID NOT
accept the response from the business.)
I did not receive a statement in March 2015, I receive a piece of paper 08/I did not receive a itemizationYou simply sent me information that states the debt you are trying to seek from me is past the statute of limitation in the state of *** On my credit report you are reporting wrong information(Send information to the credit bureaus ( FDCPA U.S.C1692e)) Which is against the lawOn the piece of paper you sent me it states the account was open in 08/31/and the date of service was on 01/29/which actually your statement with your ledgerI ask for the original ** *** *** statement and not your address below the ** *** *** titleI would like you to get off my credit report and to stop contacting me about this debtYou have not given me what I ask for which is the original information/statement from ** *** ***
Final Consumer Response /* (4200, 11, 2015/09/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree to this since you have not followed thru and deleted the account from my credit reportI need Wakefield to send me a letter stating that they have indeed removed themselves from my credit report until then I do not agree with this
Final Business Response /* (4000, 13, 2015/09/15) */
In our response to the consumer's original complaint, dated 8/27/2015, we said that we would cancel the account and that it would be deleted from the consumer's credit reportCredit deletions occur in the course of businessWakefield furnishes credit reporting updates to credit reporting agencies monthly, and cannot predict the amount of time it will take for credit reporting agencies to process our electronic updatesIn an effort to further assist the consumer, Wakefield and Associates has processed a manual deletion request to credit reporting agenciesA copy of that request is attachedWe cannot predict the amount of time it will take credit reporting agencies to process this request
Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***
re: Wakefield & Associates file number ***. This account was placed with our office for collection on July 9, by *** *** *** on behalf of *** *** ***. The consumer commenced making monthly payments toward the balance on September 21, 2015. On
February 8, 2017, she informed our office that she had received a letter from her insurance company explaining that the balance had been placed for collection error. On February 9, we received a fax from the consumer which transmitted the letter from Anthem. On February 13, 2017, we were informed by our client to return the account. On March 30, we mailed the consumer a check in the amount of $5,to refund the payments she had made on this account. We notified the consumer about the refund by phone on March 31. We apologize for the delay in providing her with the refund
Ms*** appears to be reading the Fair Debt Collection Practices Act (FDCPA) incorrectly. As it relates to communication with third parties about a debt, we direct her to Sec805(b) of the Act, communications with third parties made “as reasonably necessary to effectuate a post judgment judicial remedy” are communications that are exempt from the prohibition on third party disclosureI have provided the section below Sec805b: Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector Our records indicate that on April 29, 2013, the payroll department where she was employed at the time called our office after receipt of a garnishment which was served on them in an effort to enforce a judgment entered against Ms*** on or about 02/15/2013. The payroll person sought explanation of the documents and we discussed them with herThis conversation was “as reasonably necessary to effect a post judgment judicial remedy.” A further conversation related to the garnishment occurred on 06/04/and 8/30/and the judgment was satisfied on 10/9/ As to the consumer’s allegations that she notified our office to cease communication, I find no written request from her to our office to cease. Sec805(c) of the FDCPA provides: “If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.” We are sorry about the hardships that Ms*** has had to endure as a result of the tragic experience she suffered. We have ceased collection activity related to the account placed by *** *** *** ***, and have returned the account to the clientWe have taken measures to prevent further communication with her related to accounts currently placed with our office, however, if other accounts are placed with our office in the future she needs to understand that we have a duty to notify her of these accounts and provide a statement of her right to dispute the debt
Wakefield & Associates file number ***4. The consumer filed his Bankruptcy on June 10, 2014, and it was discharged on September 22, 2014. According to *** *** apartments, he vacated his apartment on November 5, Attached is Security Deposit Settlement Statement provided
by the creditor. The balance placed with Wakefield & Associates for collection are post-petition chargesWe have dispositioned this account as disputed and will cease communication with him as requested in his complaint
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
Complaint: ***
I am rejecting this response because: not only did I asked for a cease of communications but also for removal from credit all credit reports these fraudulent claims, unless can show a valid contract between me Wakefield Associates which I swear that doesn’t exist because I’ve never done any business with WA
Wakefield & Associates (WA) has investigated the complaint filed by *** *** on 10/3/and offers the following response. Our client *** *** placed an account with WA on 12/10/for services rendered to *** *** on 5/25/2012. WA mailed Mr*** a letter
within business days of account placement which provided account details and the FDCPA Validation notice WA has updated Mr***’s account to reflect his dispute. WA has attached supporting client documentation to this response pertaining to Mr***’s dispute. WA has not refused to provide supporting documentation to Mr*** at any timeWA does not have a letter on file from Mr***
Re: Wakefield & Associates file # ***
Mr*** has provided our office a notice and receipt of Payment from another debt collector, *** *** ***This document is in regard to payment of a ** *** overdraft account with a ** *** account number of
***which was opened on February 4, The account which was placed with Wakefield and Associates by our client, *** ***, relates to a *** *** account with ** *** account number of *** ***, also opened on February 4, 2010, on which judgment was rendered on 5/12/We have just today received validation of the account underlying the judgment which has been placed with us by *** ***We are sending this validation directly to the consumer today, including the original complaint filed in *** *** *** in ***, the judgment rendered by that court, and bank statements from ** *** regarding the underlying account
RE: Wakefield and Associates Incfile number ***This account was placed with Wakefield and Associates for collection on November 10, 2015. An initial notice regarding the account was sent to the consumer on November 11, 2015. Information was furnished to credit reporting
agencies on January 20, We received the consumer’s initial dispute letter on or about February 3, 2016, which included documentation that she had paid her bill to *** Hospital. We provided her with an itemized statement which showed that the bill placed with Wakefield and Associates for collection was a bill from *** Emergency Medical Associates, which bills for its services separately from the hospital. This account remains due and owingI have provided another version of this validation for the consumer’s convenience