Re: Wakefield and Associates file number [redacted] The consumer had two accounts from different creditors placed in our office for collection. The consumer called our office to pay his account based on information that was made available to him via an online credit reporting...
service. He was not able to see the second account because this account had not been furnished to credit reporting agencies. Attached is an itemization of the accounts which had been placed for collection. This printout shows a zero balance due, as the consumer had paid both accounts. Contrary to the consumer’s contention, he was not forced to pay both accounts, but did so voluntarily. The collector with whom he spoke provided specific information about the name of the creditor about whom the consumer was previously unaware, and explained the balance due for that account. He also provided the consumer a number of payment method options, some of which could be completed with no fee to the consumer. On June 13, 2016, in an effort to assist the consumer, Wakefield and Associates instructed consumer reporting agencies to remove the tradeline from the consumer’s credit report. Information regarding the second account will not be furnished to credit reporting agencies.
Re: Wakefield and Associates file number [redacted] As a result of our investigation after the consumer’s contact with our office on October 14, Wakefield and Associates has removed her contact information from this file. She is not being held accountable for the balance. ...
We appreciate her bringing this matter to our attention.
Wakefield & Associates has reviewed the complaint filed by Latoya Williams and offers the following response based on our records. The U.S. Department of Health & Human Services had determined the following: The Privacy Rule permits uses and disclosures by a covered entity or its...
business associate as may be required by the Fair Credit Reporting Act (FCRA) or other law. Therefore, the Department does not believe there is a conflict between the Privacy Rule and legal duties imposed on data furnishers by the FCRA. Wakefield & Associates is a business associate with our clients.
Complaint: [redacted]
I am rejecting this response because: Wakefield and Associates is not the collection agency [redacted] uses for debt collections. [redacted] is who handles the collections and a payment is set up with them. Wakefield does not have accurate dates of service or dollar amounts. I called and compared after the initial letter that was completely blank and Wakefield did not match [redacted]'s records.
Sincerely,
[redacted]
Wakefield & Associates has investigated the complaint issued by [redacted] and offers the following response based on our records. Our client [redacted] placed an account in our office for services rendered to [redacted] on 8/3/2014, this account was placed on 2/12/2015. A...
notice was mailed to [redacted] within 5 business days of placement which provided account details and the FDCPA Validation Notice. On 7/1/2016 WA received a dispute letter from [redacted] and sent him a response on 7/6/2016. On 3/16/2017 WA received a dispute letter from [redacted] and sent him a response on 3/17/2017. On 4/6/2017 WA received a dispute letter from [redacted] and sent him a response on 4/6/2017. On 5/1/2017 WA received a dispute letter from [redacted], and decided to send a deletion request to the credit reporting agencies on 6/1/2017. WA has attached a copy of the response sent to [redacted] with this response.
[redacted], Wakefield and Associates has reviewed you complaint and offers the following response. Wakefield and Associates has updated your file per your request to cease communications. If you require additional assistance please contact Wakefield and Associates directly at [redacted]...
Wakefield & Associates (WA) has reviewed [redacted]’s complaint and offers the following response based on our records. Our client [redacted] Emergency Department placed 3 accounts in our office for services rendered to [redacted] on 8/15/2014, 10/13/2014, and 10/26/2014. ...
WA mailed a letter to [redacted] on each account within 5 business days of placement which provided the account details and the FDCPA Validation notification. [redacted] alleges he has notified WA multiple times these accounts are not his, our records indicate [redacted] has notified WA one time on 8/2/2017 that these accounts are not his. WA after receiving [redacted]’s dispute of the accounts notified him that we would update the status of his accounts to reflect his dispute and advised him to send in a letter describing his complaint so we may further investigate his dispute. After receiving [redacted]’s CFPB complaint WA initiated a reasonable investigation related to his dispute and has attached our findings to this response.
The information we provided shows that Herrin has been reporting the consumer's payments to our office, since the hospital placed the accounts with our office for collection in January, 2016. We have ceased communication with her regarding her accounts.
Initial Business Response /* (1000, 6, 2015/06/01) */
On 2/19/15 [redacted] & Associates received an account from [redacted] for collections. The initial notice was sent to Ms. [redacted] on 2/20/15. We received a call from Ms. [redacted] on 3/2/15 and Ms. [redacted] was saying that the account was...
fraudulent charges. We asked Ms. [redacted] to put the dispute in writing. On 3/27/15 We did receive the dispute letter. We forwarded the dispute letter to our client, [redacted] they answered the dispute on 5/5/15 stating that these are deductible charges for 1/12-5/12 and copays from June forward. [redacted] has changed ownership. We will be sending Ms. [redacted] the answer provided by [redacted] and we will be ceasing communications on her account.
Re: Wakefield and Associates file number [redacted]3 This account was placed with our office for collection of or about June 27, 2014. An initial notice was sent to the consumer on 6/30/2014, and a duplicate notice was sent to the consumer on 11/3/2015. 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 provider. The 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 owing. If 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.
Initial Business Response /* (1000, 5, 2015/10/19) */
RE: Wakefield & Associates file number XXXXXXX. This account was placed for collection with Wakefield & Associates on May 24, 2013. An initial notice was sent to the consumer on or about May 25, 2013. Information regarding the account was...
furnished to credit reporting agencies on or about August 30, 2013. On September 21, 2015, Wakefield & Associates received a fax from the consumer which included his bankruptcy discharge including this account. As a result, this account was closed in our office and returned to our client on the same day. In the normal course of business, credit reporting agencies would be informed to remove this account from the consumer's credit report. In an effort to assist the consumer, considering the fact that this account was placed with our office in error, Wakefield & Associates will process a manual credit deletion which should expedite the deletion of this account from his credit report. We apologize for the lack of response to [redacted]'s voicemail messages and for any inconvenience he may have experienced.
Initial Consumer Rebuttal /* (2000, 7, 2015/10/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
[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 6/23/2014 for services rendered to [redacted] on 11/12/2013. 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.
merous times today to request to speak to a supervisor, but I guess you all don't properly train your employees on the FDCPA Law because they answer the line with out ID themselves and then hang up debtors who calling in to pay on their accounts. After finally speaking to supervisor by the name of...
Steven Mims? I explain to him what I am calling to resolve my account and ask what can he offer as a settlement offer, then he ask me what can I offer, then I ask him again what can he offer, then he went out to explain how I was argumentative with the pervious representative, but I inform him if someone ask you a question, it rude to turn around as ask them the same questions that's how conversation become argumentative but I guess since I'm the debtor I am not smart and cant comprehend. You all don't owed the debt which means that when some gives and offer you all suppose to take it and pass on to your client but Steve told me to send it in written and its okay to send it through the Revdex.com.org. I and offering to pay nothing since you all accuse me of being argumentative when I called and ask a question and all the rep did was ask me the same question I ask and then accuse me of being argumentative. you all are in violation of the FDCPA and I am requesting for you all to pay the bill for me and I need to speak with the CEO of Wakefield and or President and laugh if you want to.I need to talk to the Head of Collections and them to write of the accounts, pay them themselves since they not trying to work with me. and before a manager calls me back. make sure they listen to all calls even the ones when I spoke tot he switch board operators.
Complaint: [redacted]
I am rejecting this response because:They do not state what their intention is. They state they have received and validate my payment of the [redacted] account opened on the same day - but say theirs is a different number? It is the same exact account. They say they are sending this information to [redacted] and to the "consumer" but don't state with what intention or what their desired result is. I need them to explain what they are saying - are they removing the collection and asking the court to remove the collection? What are they doing? Thank you.
Sincerely,
[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]
Initial Business Response /* (1000, 8, 2015/10/15) */
Re: Wakefield & Associates file #XXXXXXXX
This account was placed with Wakefield and Associates for collection on September 15, 2015. An initial notice was sent to the consumer on or about September 16, 2015. The original creditor is...
[redacted] Attached is an itemized statement provided to our office by the creditor, which serves as validation of the account. Per the consumer's request, we will cease communication with her related to this account. Information related to this account has not been furnished to credit reporting agencies, nor will it be.
[redacted] Wakefield and Associates (WA) has reviewed your complaint and offers the following response based on our records. Our client [redacted] placed an account with our office on 5/29/2015 for a contract date of 7/29/2011. WA sent a notice within 5 business days of...
account placement which provided the account details and the FDCPA Validation Notice. WA has not received a written validation request on this account. WA placed your account in disputed status following your Revdex.com complaint and initiated a reasonable investigation with our client. To date our client has not responded to our request. WA has made a business decision and has closed your account. A request has been sent to the credit reporting agencies to have this item removed from credit reporting.
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 & Associates file number [redacted]The additional payment that was processed from the consumer's account was the result of an unintentional clerical error. The collector with whom the consumer made her final payment in September after he offered a settlement on the remaining balance...
erred when he forgot to cease the automatic payments that were set up in our system. When the consumer made us aware of the overpayment, we immediately informed our accounting department, and a refund check was mailed to the consumer on December 15, 2016. We apologize for the inconvenience the consumer experienced as a result of this error.
Re: Wakefield and Associates file number [redacted] The consumer had two accounts from different creditors placed in our office for collection. The consumer called our office to pay his account based on information that was made available to him via an online credit reporting...
service. He was not able to see the second account because this account had not been furnished to credit reporting agencies. Attached is an itemization of the accounts which had been placed for collection. This printout shows a zero balance due, as the consumer had paid both accounts. Contrary to the consumer’s contention, he was not forced to pay both accounts, but did so voluntarily. The collector with whom he spoke provided specific information about the name of the creditor about whom the consumer was previously unaware, and explained the balance due for that account. He also provided the consumer a number of payment method options, some of which could be completed with no fee to the consumer. On June 13, 2016, in an effort to assist the consumer, Wakefield and Associates instructed consumer reporting agencies to remove the tradeline from the consumer’s credit report. Information regarding the second account will not be furnished to credit reporting agencies.
The requested itemizations have been requested and have/or will be mailed to the address of file.
Re: Wakefield and Associates file number [redacted] As a result of our investigation after the consumer’s contact with our office on October 14, Wakefield and Associates has removed her contact information from this file. She is not being held accountable for the balance. ...
We appreciate her bringing this matter to our attention.
Wakefield & Associates has reviewed the complaint filed by Latoya Williams and offers the following response based on our records. The U.S. Department of Health & Human Services had determined the following: The Privacy Rule permits uses and disclosures by a covered entity or its...
business associate as may be required by the Fair Credit Reporting Act (FCRA) or other law. Therefore, the Department does not believe there is a conflict between the Privacy Rule and legal duties imposed on data furnishers by the FCRA. Wakefield & Associates is a business associate with our clients.
Complaint: [redacted]
I am rejecting this response because: Wakefield and Associates is not the collection agency [redacted] uses for debt collections. [redacted] is who handles the collections and a payment is set up with them. Wakefield does not have accurate dates of service or dollar amounts. I called and compared after the initial letter that was completely blank and Wakefield did not match [redacted]'s records.
Sincerely,
[redacted]
Wakefield & Associates has investigated the complaint issued by [redacted] and offers the following response based on our records. Our client [redacted] placed an account in our office for services rendered to [redacted] on 8/3/2014, this account was placed on 2/12/2015. A...
notice was mailed to [redacted] within 5 business days of placement which provided account details and the FDCPA Validation Notice. On 7/1/2016 WA received a dispute letter from [redacted] and sent him a response on 7/6/2016. On 3/16/2017 WA received a dispute letter from [redacted] and sent him a response on 3/17/2017. On 4/6/2017 WA received a dispute letter from [redacted] and sent him a response on 4/6/2017. On 5/1/2017 WA received a dispute letter from [redacted], and decided to send a deletion request to the credit reporting agencies on 6/1/2017. WA has attached a copy of the response sent to [redacted] with this response.
[redacted], Wakefield and Associates has reviewed you complaint and offers the following response. Wakefield and Associates has updated your file per your request to cease communications. If you require additional assistance please contact Wakefield and Associates directly at [redacted]...
[redacted].
Wakefield & Associates (WA) has reviewed [redacted]’s complaint and offers the following response based on our records. Our client [redacted] Emergency Department placed 3 accounts in our office for services rendered to [redacted] on 8/15/2014, 10/13/2014, and 10/26/2014. ...
WA mailed a letter to [redacted] on each account within 5 business days of placement which provided the account details and the FDCPA Validation notification. [redacted] alleges he has notified WA multiple times these accounts are not his, our records indicate [redacted] has notified WA one time on 8/2/2017 that these accounts are not his. WA after receiving [redacted]’s dispute of the accounts notified him that we would update the status of his accounts to reflect his dispute and advised him to send in a letter describing his complaint so we may further investigate his dispute. After receiving [redacted]’s CFPB complaint WA initiated a reasonable investigation related to his dispute and has attached our findings to this response.
The information we provided shows that Herrin has been reporting the consumer's payments to our office, since the hospital placed the accounts with our office for collection in January, 2016. We have ceased communication with her regarding her accounts.
Initial Business Response /* (1000, 6, 2015/06/01) */
On 2/19/15 [redacted] & Associates received an account from [redacted] for collections. The initial notice was sent to Ms. [redacted] on 2/20/15. We received a call from Ms. [redacted] on 3/2/15 and Ms. [redacted] was saying that the account was...
fraudulent charges. We asked Ms. [redacted] to put the dispute in writing. On 3/27/15 We did receive the dispute letter. We forwarded the dispute letter to our client, [redacted] they answered the dispute on 5/5/15 stating that these are deductible charges for 1/12-5/12 and copays from June forward. [redacted] has changed ownership. We will be sending Ms. [redacted] the answer provided by [redacted] and we will be ceasing communications on her account.
Re: Wakefield and Associates file number [redacted]3 This account was placed with our office for collection of or about June 27, 2014. An initial notice was sent to the consumer on 6/30/2014, and a duplicate notice was sent to the consumer on 11/3/2015. 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 provider. The 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 owing. If 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.
Initial Business Response /* (1000, 5, 2015/10/19) */
RE: Wakefield & Associates file number XXXXXXX. This account was placed for collection with Wakefield & Associates on May 24, 2013. An initial notice was sent to the consumer on or about May 25, 2013. Information regarding the account was...
furnished to credit reporting agencies on or about August 30, 2013. On September 21, 2015, Wakefield & Associates received a fax from the consumer which included his bankruptcy discharge including this account. As a result, this account was closed in our office and returned to our client on the same day. In the normal course of business, credit reporting agencies would be informed to remove this account from the consumer's credit report. In an effort to assist the consumer, considering the fact that this account was placed with our office in error, Wakefield & Associates will process a manual credit deletion which should expedite the deletion of this account from his credit report. We apologize for the lack of response to [redacted]'s voicemail messages and for any inconvenience he may have experienced.
Initial Consumer Rebuttal /* (2000, 7, 2015/10/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
[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 6/23/2014 for services rendered to [redacted] on 11/12/2013. 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.
merous times today to request to speak to a supervisor, but I guess you all don't properly train your employees on the FDCPA Law because they answer the line with out ID themselves and then hang up debtors who calling in to pay on their accounts. After finally speaking to supervisor by the name of...
Steven Mims? I explain to him what I am calling to resolve my account and ask what can he offer as a settlement offer, then he ask me what can I offer, then I ask him again what can he offer, then he went out to explain how I was argumentative with the pervious representative, but I inform him if someone ask you a question, it rude to turn around as ask them the same questions that's how conversation become argumentative but I guess since I'm the debtor I am not smart and cant comprehend. You all don't owed the debt which means that when some gives and offer you all suppose to take it and pass on to your client but Steve told me to send it in written and its okay to send it through the Revdex.com.org. I and offering to pay nothing since you all accuse me of being argumentative when I called and ask a question and all the rep did was ask me the same question I ask and then accuse me of being argumentative. you all are in violation of the FDCPA and I am requesting for you all to pay the bill for me and I need to speak with the CEO of Wakefield and or President and laugh if you want to.I need to talk to the Head of Collections and them to write of the accounts, pay them themselves since they not trying to work with me. and before a manager calls me back. make sure they listen to all calls even the ones when I spoke tot he switch board operators.
Complaint: [redacted]
I am rejecting this response because:They do not state what their intention is. They state they have received and validate my payment of the [redacted] account opened on the same day - but say theirs is a different number? It is the same exact account. They say they are sending this information to [redacted] and to the "consumer" but don't state with what intention or what their desired result is. I need them to explain what they are saying - are they removing the collection and asking the court to remove the collection? What are they doing? Thank you.
Sincerely,
[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]
Initial Business Response /* (1000, 8, 2015/10/15) */
Re: Wakefield & Associates file #XXXXXXXX
This account was placed with Wakefield and Associates for collection on September 15, 2015. An initial notice was sent to the consumer on or about September 16, 2015. The original creditor is...
[redacted] Attached is an itemized statement provided to our office by the creditor, which serves as validation of the account. Per the consumer's request, we will cease communication with her related to this account. Information related to this account has not been furnished to credit reporting agencies, nor will it be.
[redacted] Wakefield and Associates (WA) has reviewed your complaint and offers the following response based on our records. Our client [redacted] placed an account with our office on 5/29/2015 for a contract date of 7/29/2011. WA sent a notice within 5 business days of...
account placement which provided the account details and the FDCPA Validation Notice. WA has not received a written validation request on this account. WA placed your account in disputed status following your Revdex.com complaint and initiated a reasonable investigation with our client. To date our client has not responded to our request. WA has made a business decision and has closed your account. A request has been sent to the credit reporting agencies to have this item removed from credit reporting.
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 & Associates file number [redacted]The additional payment that was processed from the consumer's account was the result of an unintentional clerical error. The collector with whom the consumer made her final payment in September after he offered a settlement on the remaining balance...
erred when he forgot to cease the automatic payments that were set up in our system. When the consumer made us aware of the overpayment, we immediately informed our accounting department, and a refund check was mailed to the consumer on December 15, 2016. We apologize for the inconvenience the consumer experienced as a result of this error.