Wakefield & Associates has investigated the complaint filed by Amber Cruse on 1/3/2018 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 5/13/2014 and Ms. Cruse was...
notified of the account 5/20/2014 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 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.
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.
[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.
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.)
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]
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.
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]
Re: Wakefield and Associates file number [redacted] Two medical accounts were placed with our office for collection on or about January 8, 2016. On January 11, 2016, an initial notice was sent to the consumer regarding both accounts, a copy of which is attached. We have attempted calls...
to the consumer 8 times between January 13, 2016, and March 14, 2016, which resulted in just one conversation. All call attempts were within the time frames allowed by law and not at an unreasonable frequency. Contrary to the consumer’s claim, no threat of arrest or legal action occurred in the call. Attached is validation for each of the accounts placed with our office for collection. These show that the original balance has been reduced by at least one payment on each account, presumably made by the consumer’s insurance. We have dispositioned these accounts as disputed in our system.
Revdex.com:As long as this is removed from the credit report as a negative this is a fine result. The point about [redacted] is that [redacted] does not use Wakefield as a collection agency.
Sincerely,
[redacted]
Re: Wakefield and Associates file number [redacted] This account was placed with Wakefield and Associates for collection by Carepoint, P.C. on October 9, 2015. An initial notice related to this account was sent to the consumer on October 12, 2015. A copy of this notice is...
attached. This account relates to physician services provided to the consumer in the emergency department at Sky Ridge on May 6, 2015. The balance placed with our office is the remaining balance after insurance payments were received and credited. According to our client, the consumer had made payments directly to it that were credited to other accounts the consumer on which the consumer was guarantor with the provider. Attached is verification of this account which details the date of service, name of the provider, insurance payments, adjustments, and balance due at the time the account was assigned to collections. The current balance due is $134.53, which includes $9.93 in interest accrued. When we spoke with the consumer last on March 1, 2016, the consumer claimed that this account was the result of identity theft, however, as of today we have not received any paperwork from her regarding her claim. In addition, we have not been notified by the credit reporting agencies of any dispute filed with them related to this account. We have dispositioned this account as disputed in our system and have informed the credit reporting agencies of the disputed status of the account.
Wakefield & Associates has investigated the complaint filed by Amber Cruse on 1/3/2018 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 5/13/2014 and Ms. Cruse was...
notified of the account 5/20/2014 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 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.
The requested itemizations have been requested and have/or will be mailed to the address of file.
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.
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.
[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.
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.)
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]
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.
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]
Re: Wakefield and Associates file number [redacted] Two medical accounts were placed with our office for collection on or about January 8, 2016. On January 11, 2016, an initial notice was sent to the consumer regarding both accounts, a copy of which is attached. We have attempted calls...
to the consumer 8 times between January 13, 2016, and March 14, 2016, which resulted in just one conversation. All call attempts were within the time frames allowed by law and not at an unreasonable frequency. Contrary to the consumer’s claim, no threat of arrest or legal action occurred in the call. Attached is validation for each of the accounts placed with our office for collection. These show that the original balance has been reduced by at least one payment on each account, presumably made by the consumer’s insurance. We have dispositioned these accounts as disputed in our system.
Revdex.com:As long as this is removed from the credit report as a negative this is a fine result. The point about [redacted] is that [redacted] does not use Wakefield as a collection agency.
Sincerely,
[redacted]
Re: Wakefield and Associates file number [redacted] This account was placed with Wakefield and Associates for collection by Carepoint, P.C. on October 9, 2015. An initial notice related to this account was sent to the consumer on October 12, 2015. A copy of this notice is...
attached. This account relates to physician services provided to the consumer in the emergency department at Sky Ridge on May 6, 2015. The balance placed with our office is the remaining balance after insurance payments were received and credited. According to our client, the consumer had made payments directly to it that were credited to other accounts the consumer on which the consumer was guarantor with the provider. Attached is verification of this account which details the date of service, name of the provider, insurance payments, adjustments, and balance due at the time the account was assigned to collections. The current balance due is $134.53, which includes $9.93 in interest accrued. When we spoke with the consumer last on March 1, 2016, the consumer claimed that this account was the result of identity theft, however, as of today we have not received any paperwork from her regarding her claim. In addition, we have not been notified by the credit reporting agencies of any dispute filed with them related to this account. We have dispositioned this account as disputed in our system and have informed the credit reporting agencies of the disputed status of the account.