Initial Business Response /* (1000, 6, 2015/11/24) */
This is in response to your recent communication which conveyed to us the consumer complaint referenced aboveWakefield and Associates appreciates the opportunity to respond to this consumer's concern
This consumer has several active
accounts in collection with our officeWe sent the required initial notices to the consumer on the following dates: July 8, 2009, December 12, 2009, October 3, 2013, July 9, 2014, August 7, 2014, April 7, 2014, and July 7, Copies of all notices, except for the notices, are attachedThe notice sent on April 7, 2015, was returned by the post office on April 20, 2015, and the notice sent on July 7, 2015, was returned by the post office on July 21,
Wakefield and Associates received a written dispute from the consumer on November 13, This dispute letter is the only communication we have had from the consumer, and we complied with the consumer's request for verification in a timely wayOn November 16, 2015, itemized statements for all of the accounts which had been furnished to credit reporting agencies were sent to the consumerIn an effort to assist this consumer, Wakefield and Associates has instructed credit reporting agencies to remove all accounts previously furnished for this consumer from the consumer's credit report
Initial Consumer Rebuttal /* (3000, 8, 2015/11/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This agency has violated the FDCPA law by sending those debts to the credit bureau before a writing verification and validation that they were entitled to collect those date oneThey also violated my rights to dispute those debts with the original creditorsAs the FDCPA law required before sending those debts to the credits bureaus to destroy my credit reportViolation of the FDCPA law is suggest to a fine of dollars foe each accountsTherefore they shall call me to settle this matter or I will have to go to court with for destroying my credit for years
Final Consumer Response /* (4200, 12, 2015/12/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Wakefield and associated did not address the issue of before sentding those debts to credit bureau agencies that they have contacting With a return signature sign by me as a prove from the post office that prove that they sent any writing documents to me so that I have sign as prove that I received any letter from them Well my lawyer should contact very soon to continue this case in court
Final Business Response /* (4000, 14, 2015/12/17) */
As this consumer is apparently now represented by counsel, we will not respond furtherWe reiterate our previous response in which we assured the consumer that we have instructed credit reporting agencies to remove these accounts from the consumer's credit reportWe have no control over the speed at which our instructions are carried out by credit reporting agencies
Complaint: ***
I am rejecting this response because:Unfortunately Wakefield & Associates does not understand the seriousness of continuing collection efforts on an account they never validated They are clearly violating *** Finance Code *** in this matter I am making every effort to resolve this matter without having to present this case to a courtroom jury in my community The information they are reporting has been highly damaging to my reputation and my ability to secure credit and employment
Sincerely,
*** ***
Complaint: ***
I am rejecting this response because: this is still not proving any contract between myself and Wakefield AssociatesThat is nothing more than a copy of a paper I’ve never seen that can easily be madeI will be mailing out a sworn affidavit notorized and sent by certified mail ASAP, I don’t not wish to talk over phone an would like things in writing and sworn tooI would be asking and like to see the original contract between me and Wakefield Associates for any service they say I owe forPending response I will take further legal actions and will sue.
Sincerely,
*** ***
Complaint: ***I have not received any letters from this company or the original creditorsI have no knowledge of these debts and I will file fraud on this with the local policeI ask that it is immediately removed from my account this is a defamation of characterI will also file law suit if this fraudulent not removed fraudulent debts are not removed.
I am rejecting this response because:
Sincerely,
*** ***
Initial Business Response /* (1000, 5, 2015/09/15) */
RE: Wakefield & Associates file number XXXXXXXXXX This account related to a *** *** overdraft account, XXXXXXXXXXXXXXXXX was placed with Wakefield & Associates for collection on or about October 10, On the same day, Wakefield caused an
initial notice to be sent to the consumer, providing the pertinent information regarding the account and notice of his right to seek validationWe received no response to this noticeWhile the consumer claims to have requested validation of this debt on July 20, 2015, Wakefield has no record of receiving any correspondence from the consumer
In an effort to assist the consumer and in accordance with his demand, Wakefield will cease communication with him in regard to this accountIn addition, we have instructed credit reporting agencies to remove this item from his credit reportA copy of the deletion request is attached
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to mePlease understand they *** advised us roughly months ago and when we kept receiving calls from this collector they had been advised by *** this debt was not owed, *** told us "they should not be calling on this", continued to receive these calls until late in 2016, not a mistake or clerical error to take lightly
Sincerely,
*** ***
Wakefield & Associates has reviewed the complaint filed by *** *** and offers the following response based on our records. It appears *** *** reached our office after filing her complaint. She spoke with an account manager with Wakefield & Associates on
8/22/2017. *** *** was given an explanation of her accounts and a payment arrangement was entered to pay the account in full by Sept 25,
*** ***s Wakefield and Associates (WA) has reviewed your complaint and offers the following response based on our records. Our client *** *** *** placed an account with our office for collections on 10/20/for services rendered to *** *** on 3/20/2014. Within
business days a notice was mailed which provided the account details and the FDCPA Validation Notice. WA has attempted to make contact via telephonic communication on occasions since the account was placed with WA. The account is now satisfiedWA has transmitted a request to have this item withdrawn from credit reporting. If you need additional assistance please contact Wakefield and Associates directly at *** ***
This file for emergency physician services provided by *** *** ** *** ** *** *** *** in Houston on February 10, 2011 was placed with Wakefield & Associates for collection on or about January 9, 2013. Upon investigation of the consumer's dispute, we find
that the bill is for services provided to a child who is not related to the consumer, whom she had take to the EROn May 23, 2016, Wakefield & Associates instructed credit reporting agencies to remove this file from the consumer's consumer report. Wakefield & Associates has returned this account to the original creditor
Wakefield & Associates (WA) has reviewed the Revdex.com response rejection from *** *** and offers the following response. WA previously had answered and responded to the complaint filed by Mr***. Mr***’s account had been updated to reflect his dispute and a reasonable investigation pertaining to Mr***’s dispute was initiated and completed. The results of the dispute investigation were attached to the response provided to Mr***. WA additionally marked Mr***’s account as cease communications per his request. WA does not own the contract for services rendered to Mr*** on 9/23/2014, but is servicing the account for our client *** ***
if I had been there it should have been billed to my *** at the time and not reflected on my credit reportThank you!
Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***
Wakefield & Associates (WA) has reviewed the complaint filed by *** *** on 12/19/and offers the following response. Our client *** *** placed an account with our office on 4/12/for services rendered to 12/14/2016. On 4/15/Ms*** was mailed a notice
which provided the account details and the FDCPA Validation notice. After reviewing Ms*** complaint, WA has updated her account to reflect her dispute and initiated a reasonable investigation. WA has attached the results of our investigation to this response along with the initial letter that was mailed to Ms***
Currently Wakefield and Associates has one account for the consumer that is open and furnished to credit reporting agencies This account is from our client *** * *** *** for services provided to *** *** on 1/31/13. It appears that you and our account
representative discussed this account and entered into an agreement to have the account paid in full by 1/30/17. To address your concern pertaining to accounts included in your bankruptcy filing, Wakefield & Associates is not currently furnishing data to credit reporting agencies the accounts listed as bankruptcy for *** ***. We will review the recording and provide a coaching session for our Account Representative if required. To address your concern pertaining to having accounts on your credit, we have checked our system and can only locate the one account mentioned in the first paragraph. If you feel that you have additional accounts that require attention, please mail a copy of your credit report showing these items. This report should be mailed to Wakefield & Associates ** *** *** *** ** ***
Wakefield & Associates recognizes that this complaint is the result of a dispute between the consumer and the original creditorWe have been unable to secure a response from the creditor, so we have returned this account to the original creditor. Wakefield & Associates has ceased
attempts to collect this account, and we will instruct credit reporting agencies to remove the tradeline from the consumer's credit report in the course of businessWe apologize for the delay in responding to the consumer's complaint
Wakefield and Associates (WA) has investigated *** ***’s complaint and offers the following responseOur client *** *** placed an account in our office on 2/8/for services rendered to *** *** on 9/28/They placed an additional account in our office on 2/8/for
services rendered to *** *** on 11/30/A notice was sent within business days which provided the account details and the FDCPA Validation NoticeWA has updated the status of *** ***’s accounts to reflect the dispute and will transmit the status update to the credit reporting agenciesA reasonable investigation pertaining to *** ***’s dispute was performed and the results of the investigation are attached to this response
Initial Business Response /* (1000, 9, 2015/05/29) */
*** and Associates just received this account on 4/29/We have never received correspondence or talked to Mr*** regarding any attorney representationAs of today *** & Associates has changed the information in the account
to reflect the attorney information
Initial Consumer Rebuttal /* (2000, 11, 2015/06/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The company's answer is not correctI did advise them by letter of my attorney information, and had previously advised the creditor of the same
In any event, I am satisfied that the collection agency will not be contacting me any further
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,
*** ***
The only communication Wakefield and Associates has had with the consumer’s employer resulted from calls to our office by the payroll department at her place of employment after the service of garnishments upon the employer. The Fair Debt Collection Practices Act allows communication with a
consumer’s employer when effectuating a post judgment judicial remedy. Work notes provided to our office by *** *** *** going back to inform us that the consumer’s deductibles had not been met, meaning that she was responsible for the balances due there. Itemized statements were sent to her by the facility in October, 2011. The provider offered to set up a payment plan with her but she could not commit to thatA financial assistance application was sent to her. A follow up call was attempted by the provider but no contact with the consumer was made More recently we have spoken with the consumer in an effort to settle the matter, however could not come to an agreement. Because the efforts of our process server to serve the consumer with a summons and complaint have been unsuccessful, we have had to engage the sheriff to attempt to serve the papers. In recent conversations with the consumer she has refused to provide her current address. Our conversations with her have not been threatening in nature, but were attempts to work with her and ensure she is informed about the status of her accountsWe are sorry if the consumer felt threatened by our providing this information Attached is an itemized statement of her account provided to us by the original creditor. Some items on the statement are redacted to protect her privacy. Several payments have been applied to the consumer’s account, as itemized at the bottom of page Wakefield and Associates acquired Affiliated Credit Services after this account was placed for collections, and these payments are reflected in our system as wellThe current balance owing on this account as of today is $661.60, including statutory interest, which continues to accrue While we have informed the consumer that the creditor would prefer that she work directly with our office and may actually refer her back to us if she calls them, she should not feel as though she could not call the creditorOur collector merely meant to set the expectation for the consumer that the creditor may be reluctant as once accounts are referred to collection, the provider’s billing staff may not even have access to information on accounts that are placed for collection
Initial Business Response /* (1000, 6, 2015/11/24) */
This is in response to your recent communication which conveyed to us the consumer complaint referenced aboveWakefield and Associates appreciates the opportunity to respond to this consumer's concern
This consumer has several active
accounts in collection with our officeWe sent the required initial notices to the consumer on the following dates: July 8, 2009, December 12, 2009, October 3, 2013, July 9, 2014, August 7, 2014, April 7, 2014, and July 7, Copies of all notices, except for the notices, are attachedThe notice sent on April 7, 2015, was returned by the post office on April 20, 2015, and the notice sent on July 7, 2015, was returned by the post office on July 21,
Wakefield and Associates received a written dispute from the consumer on November 13, This dispute letter is the only communication we have had from the consumer, and we complied with the consumer's request for verification in a timely wayOn November 16, 2015, itemized statements for all of the accounts which had been furnished to credit reporting agencies were sent to the consumerIn an effort to assist this consumer, Wakefield and Associates has instructed credit reporting agencies to remove all accounts previously furnished for this consumer from the consumer's credit report
Initial Consumer Rebuttal /* (3000, 8, 2015/11/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This agency has violated the FDCPA law by sending those debts to the credit bureau before a writing verification and validation that they were entitled to collect those date oneThey also violated my rights to dispute those debts with the original creditorsAs the FDCPA law required before sending those debts to the credits bureaus to destroy my credit reportViolation of the FDCPA law is suggest to a fine of dollars foe each accountsTherefore they shall call me to settle this matter or I will have to go to court with for destroying my credit for years
Final Consumer Response /* (4200, 12, 2015/12/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Wakefield and associated did not address the issue of before sentding those debts to credit bureau agencies that they have contacting With a return signature sign by me as a prove from the post office that prove that they sent any writing documents to me so that I have sign as prove that I received any letter from them Well my lawyer should contact very soon to continue this case in court
Final Business Response /* (4000, 14, 2015/12/17) */
As this consumer is apparently now represented by counsel, we will not respond furtherWe reiterate our previous response in which we assured the consumer that we have instructed credit reporting agencies to remove these accounts from the consumer's credit reportWe have no control over the speed at which our instructions are carried out by credit reporting agencies
Complaint: ***
I am rejecting this response because:Unfortunately Wakefield & Associates does not understand the seriousness of continuing collection efforts on an account they never validated They are clearly violating *** Finance Code *** in this matter I am making every effort to resolve this matter without having to present this case to a courtroom jury in my community The information they are reporting has been highly damaging to my reputation and my ability to secure credit and employment
Sincerely,
*** ***
Complaint: ***
I am rejecting this response because: this is still not proving any contract between myself and Wakefield AssociatesThat is nothing more than a copy of a paper I’ve never seen that can easily be madeI will be mailing out a sworn affidavit notorized and sent by certified mail ASAP, I don’t not wish to talk over phone an would like things in writing and sworn tooI would be asking and like to see the original contract between me and Wakefield Associates for any service they say I owe forPending response I will take further legal actions and will sue.
Sincerely,
*** ***
Complaint: ***I have not received any letters from this company or the original creditorsI have no knowledge of these debts and I will file fraud on this with the local policeI ask that it is immediately removed from my account this is a defamation of characterI will also file law suit if this fraudulent not removed fraudulent debts are not removed.
I am rejecting this response because:
Sincerely,
*** ***
Initial Business Response /* (1000, 5, 2015/09/15) */
RE: Wakefield & Associates file number XXXXXXXXXX This account related to a *** *** overdraft account, XXXXXXXXXXXXXXXXX was placed with Wakefield & Associates for collection on or about October 10, On the same day, Wakefield caused an
initial notice to be sent to the consumer, providing the pertinent information regarding the account and notice of his right to seek validationWe received no response to this noticeWhile the consumer claims to have requested validation of this debt on July 20, 2015, Wakefield has no record of receiving any correspondence from the consumer
In an effort to assist the consumer and in accordance with his demand, Wakefield will cease communication with him in regard to this accountIn addition, we have instructed credit reporting agencies to remove this item from his credit reportA copy of the deletion request is attached
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to mePlease understand they *** advised us roughly months ago and when we kept receiving calls from this collector they had been advised by *** this debt was not owed, *** told us "they should not be calling on this", continued to receive these calls until late in 2016, not a mistake or clerical error to take lightly
Sincerely,
*** ***
Wakefield & Associates has reviewed the complaint filed by *** *** and offers the following response based on our records. It appears *** *** reached our office after filing her complaint. She spoke with an account manager with Wakefield & Associates on
8/22/2017. *** *** was given an explanation of her accounts and a payment arrangement was entered to pay the account in full by Sept 25,
*** ***s Wakefield and Associates (WA) has reviewed your complaint and offers the following response based on our records. Our client *** *** *** placed an account with our office for collections on 10/20/for services rendered to *** *** on 3/20/2014. Within
business days a notice was mailed which provided the account details and the FDCPA Validation Notice. WA has attempted to make contact via telephonic communication on occasions since the account was placed with WA. The account is now satisfiedWA has transmitted a request to have this item withdrawn from credit reporting. If you need additional assistance please contact Wakefield and Associates directly at *** ***
This file for emergency physician services provided by *** *** ** *** ** *** *** *** in Houston on February 10, 2011 was placed with Wakefield & Associates for collection on or about January 9, 2013. Upon investigation of the consumer's dispute, we find
that the bill is for services provided to a child who is not related to the consumer, whom she had take to the EROn May 23, 2016, Wakefield & Associates instructed credit reporting agencies to remove this file from the consumer's consumer report. Wakefield & Associates has returned this account to the original creditor
Complaint: ***
I am rejecting this response because: no fax number has been given to me and no account number has been given to me
Sincerely,
*** ***
Wakefield & Associates (WA) has reviewed the Revdex.com response rejection from *** *** and offers the following response. WA previously had answered and responded to the complaint filed by Mr***. Mr***’s account had been updated to reflect his dispute and a reasonable investigation pertaining to Mr***’s dispute was initiated and completed. The results of the dispute investigation were attached to the response provided to Mr***. WA additionally marked Mr***’s account as cease communications per his request. WA does not own the contract for services rendered to Mr*** on 9/23/2014, but is servicing the account for our client *** ***
if I had been there it should have been billed to my *** at the time and not reflected on my credit reportThank you!
Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***
Wakefield & Associates (WA) has reviewed the complaint filed by *** *** on 12/19/and offers the following response. Our client *** *** placed an account with our office on 4/12/for services rendered to 12/14/2016. On 4/15/Ms*** was mailed a notice
which provided the account details and the FDCPA Validation notice. After reviewing Ms*** complaint, WA has updated her account to reflect her dispute and initiated a reasonable investigation. WA has attached the results of our investigation to this response along with the initial letter that was mailed to Ms***
Currently Wakefield and Associates has one account for the consumer that is open and furnished to credit reporting agencies This account is from our client *** * *** *** for services provided to *** *** on 1/31/13. It appears that you and our account
representative discussed this account and entered into an agreement to have the account paid in full by 1/30/17. To address your concern pertaining to accounts included in your bankruptcy filing, Wakefield & Associates is not currently furnishing data to credit reporting agencies the accounts listed as bankruptcy for *** ***. We will review the recording and provide a coaching session for our Account Representative if required. To address your concern pertaining to having accounts on your credit, we have checked our system and can only locate the one account mentioned in the first paragraph. If you feel that you have additional accounts that require attention, please mail a copy of your credit report showing these items. This report should be mailed to Wakefield & Associates ** *** *** *** ** ***
Wakefield & Associates recognizes that this complaint is the result of a dispute between the consumer and the original creditorWe have been unable to secure a response from the creditor, so we have returned this account to the original creditor. Wakefield & Associates has ceased
attempts to collect this account, and we will instruct credit reporting agencies to remove the tradeline from the consumer's credit report in the course of businessWe apologize for the delay in responding to the consumer's complaint
A request has been sent to the credit reporting agencies to have this account removed
Wakefield and Associates (WA) has investigated *** ***’s complaint and offers the following responseOur client *** *** placed an account in our office on 2/8/for services rendered to *** *** on 9/28/They placed an additional account in our office on 2/8/for
services rendered to *** *** on 11/30/A notice was sent within business days which provided the account details and the FDCPA Validation NoticeWA has updated the status of *** ***’s accounts to reflect the dispute and will transmit the status update to the credit reporting agenciesA reasonable investigation pertaining to *** ***’s dispute was performed and the results of the investigation are attached to this response
Initial Business Response /* (1000, 9, 2015/05/29) */
*** and Associates just received this account on 4/29/We have never received correspondence or talked to Mr*** regarding any attorney representationAs of today *** & Associates has changed the information in the account
to reflect the attorney information
Initial Consumer Rebuttal /* (2000, 11, 2015/06/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The company's answer is not correctI did advise them by letter of my attorney information, and had previously advised the creditor of the same
In any event, I am satisfied that the collection agency will not be contacting me any further
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,
*** ***
The only communication Wakefield and Associates has had with the consumer’s employer resulted from calls to our office by the payroll department at her place of employment after the service of garnishments upon the employer. The Fair Debt Collection Practices Act allows communication with a
consumer’s employer when effectuating a post judgment judicial remedy. Work notes provided to our office by *** *** *** going back to inform us that the consumer’s deductibles had not been met, meaning that she was responsible for the balances due there. Itemized statements were sent to her by the facility in October, 2011. The provider offered to set up a payment plan with her but she could not commit to thatA financial assistance application was sent to her. A follow up call was attempted by the provider but no contact with the consumer was made More recently we have spoken with the consumer in an effort to settle the matter, however could not come to an agreement. Because the efforts of our process server to serve the consumer with a summons and complaint have been unsuccessful, we have had to engage the sheriff to attempt to serve the papers. In recent conversations with the consumer she has refused to provide her current address. Our conversations with her have not been threatening in nature, but were attempts to work with her and ensure she is informed about the status of her accountsWe are sorry if the consumer felt threatened by our providing this information Attached is an itemized statement of her account provided to us by the original creditor. Some items on the statement are redacted to protect her privacy. Several payments have been applied to the consumer’s account, as itemized at the bottom of page Wakefield and Associates acquired Affiliated Credit Services after this account was placed for collections, and these payments are reflected in our system as wellThe current balance owing on this account as of today is $661.60, including statutory interest, which continues to accrue While we have informed the consumer that the creditor would prefer that she work directly with our office and may actually refer her back to us if she calls them, she should not feel as though she could not call the creditorOur collector merely meant to set the expectation for the consumer that the creditor may be reluctant as once accounts are referred to collection, the provider’s billing staff may not even have access to information on accounts that are placed for collection