| 04/05/2023 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Wakefield and Associates is attending to collect a debt not owed. This account went to collections on or before XX/XX/XXXX. I was XXXX from XX/XX/XXXX- XX/XX/XXXX, meaning this medical bill was the responsibility of XXXX XXXX XXXX XXXX I became sick in their care which refers to : Senate Bill 2321 AN ACT RELATING TO THE HEALTH CARE COSTS OF STATE AND LOCAL INMATES ; TO PROVIDE DEFINITIONS ; TO PROVIDE THAT COUNTIES, MUNICIPALITIES, XXXX XXXX XXXX XXXX XXXX AND ANY LOCAL OR STATE LAW ENFORCEMENT AUTHORITY SHALL ONLY BE LIABLE TO PAY HEALTH CARE PROVIDERS FOR HEALTH CARE SERVICES RENDERED TO INMATES AT THE LESSER OF THE ACTUAL AMOUNT BILLED OR THE MEDICAID RATE IF THE INMATE HAS NO INSURANCE ; TO PROHIBIT A LAW ENFORCEMENT OFFICER FROM RELEASING A PERSON FROM CUSTODY TO AVOID THE COST OF NECESSARY MEDICAL TREATMENT ; TO AMEND SECTION 47-5-901, MISSISSIPPI CODE OF 1972, IN CONFORMITY ; AND FOR RELATED PURPOSES.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MISSISSIPPI : SECTION 1. ( 1 ) Except as otherwise provided in this section, a county, a city, a county or city law enforcement agency, the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX shall be liable to pay a health care provider for health care services rendered to persons in the custody of such agencies the lesser of the actual amount billed by such health care provider or the Medicaid rate. The provisions of this section shall not apply if a person in the custody of a county or city law enforcement agency, the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX is covered under a current individual or group accident and health insurance policy , medical service plan contract, hospital service corporation contract, hospital and medical service corporation contract, fraternal benefit society or health maintenance organization contract.
( 2 ) Nothing in this section shall prevent a county or city law enforcement agency, the XXXX XXXX XXXX XXXXXXXX, the XXXX XXXX XXXX XXXX or such agencies ' authorized vendors from entering into agreements with health care providers for the provision of health care services at terms, conditions and amounts which are different than the Medicaid rate.
( 3 ) It shall be the responsibility of the custodial county or city law enforcement agency, XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX or such agencies ' agents, to determine, under agreement with the Division of Medicaid-Office of the Governor, the amount payable for the services provided and to communicate that determination, along with the remittance, advice and payment for the services provided.
( 4 ) Nothing in this section shall be construed to create a duty on the part of a health care provider to render health care services to a person in the custody of a county or city law enforcement agency, the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX.
( 5 ) As used in this section : ( a ) `` County or city law enforcement agency '' means a county sheriff 's department or municipal police department.
( b ) " Health care provider '' means a person licensed to practice any branch of the healing arts by the State Board of Medical Licensure, a person who holds a temporary permit to practice any branch of the healing arts issued by the State Board of Medical Licensure, a person engaged in a postgraduate training program approved by the State Board of Medical Licensure, a licensed physician assistant, a person licensed by the State Board of Psychological Examiners, a medical care facility licensed by the State Department of Health, a podiatrist licensed by the State Board of Medical Licensure, an optometrist licensed by the State Board of Optometry, a registered nurse, a nurse practitioner, a licensed professional nurse who is authorized to practice as a registered nurse anesthetist, a licensed practical nurse, a pharmacist or pharmacy licensed by the State Board of Pharmacy, a licensed physical therapist, a professional corporation organized pursuant to the professional corporation law of Mississippi by persons who are authorized by such law to form such a corporation and who are health care providers as defined by this subsection, a Mississippi limited liability company organized for the purpose of rendering professional services by its members who are health care providers as defined by this subsection and who are legally authorized to render the professional services for which the limited liability company is organized, a partnership of persons who are health care providers under this subsection, a Mississippi not-for-profit corporation organized for the purpose of rendering professional services by persons who are health care providers as defined by this subsection, a dentist certified by the State Board of Dental Examiners to administer anesthetics , a psychiatric hospital licensed by the State Department of Health , a licensed social worker or a mental health center or mental health clinic licensed by the Board of Examiners for Social Workers and any health care provider licensed by the appropriate regulatory body in another state that has a current approved provider agreement with the Division of Medicaid.
( c ) " Medicaid rate '' means the terms, conditions and amounts a health care provider would be paid for health care services rendered pursuant to a contract or provider agreement with the Division of Medicaid.
SECTION 2. ( 1 ) A law enforcement officer having custody of a person shall not release such person from custody merely to avoid the cost of necessary medical treatment while the person is receiving treatment from a health care provider unless the health care provider consents to such release, or unless the release is ordered by a court of competent jurisdiction. When the law enforcement officer is satisfied that probable cause no longer exists to believe the suspect committed a crime based upon the ongoing investigation, or the district attorney or city attorney gives notice that no prosecution will be forthcoming at this time, the law enforcement officer may release such person from custody. Upon the date of notification to the health care provider that the person is being released from custody because the ongoing investigation indicates that probable cause no longer exists or a decision by the prosecuting attorney that no charges will be filed, the law enforcement agency shall no longer be responsible for the cost of such person 's medical treatment.
( 2 ) As used in this section : ( a ) " Law enforcement officer '' has the meaning ascribed thereto in Section 1 of this act.
( b ) " Health care provider '' has the meaning ascribed thereto in Section 1 of this act.
SECTION 3. Section 47-5-901, Mississippi Code of 1972, is amended as follows : 47-5-901. ( 1 ) Any person committed, sentenced or otherwise placed under the custody of the Department of Corrections, on order of the sentencing court and subject to the other conditions of this subsection, may serve all or any part of his sentence in the county jail of the county wherein such person was convicted if the Commissioner of Corrections determines that physical space is not available for confinement of such person in the state correctional institutions. Such determination shall be promptly made by the Department of Corrections upon receipt of notice of the conviction of such person. The commissioner shall certify in writing that space is not available to the sheriff or other officer having custody of the person. Any person serving his sentence in a county jail shall be classified in accordance with Section 47-5-905.
( 2 ) If state prisoners are housed in county jails due to a lack of capacity at state correctional institutions, the Department of Corrections shall determine the cost for food and medical attention for such prisoners. The cost of feeding and housing offenders confined in such county jails shall be based on actual costs or contract price per prisoner. In order to maximize the potential use of county jail space, the Department of Corrections is encouraged to negotiate a reasonable per day cost per prisoner, which in no event may exceed Twenty Dollars ( {$20.00} ) per day per offender.
( 3 ) ( a ) Upon vouchers submitted by the board of supervisors of any county housing persons due to lack of space at state institutions, the Department of Corrections shall pay to such county, out of any available funds, the actual cost of food, or contract price per prisoner, not to exceed Twenty Dollars ( {$20.00} ) per day per offender, as determined under subsection ( 2 ) of this section for each day an offender is so confined beginning the day that the Department of Corrections receives a certified copy of the sentencing order and will terminate on the date on which the offender is released or otherwise removed from the custody of the county jail. The department shall pay the cost for health care services for prisoners at an amount no greater than the reimbursement rate based on the Mississippi Medicaid reimbursement rate, or the actual amount billed for such health care services, whichever is the lesser amount, as provided in Section 1 of this act. This limitation applies to all medical care services, durable and nondurable goods, prescription drugs and medications. Such payment shall be placed in the county general fund and shall be expended only for food and medical attention for such persons.
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| 06/15/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that WAKEFIELD & ASSOCIATES had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that WAKEFIELD & ASSOCIATES open account was opened on XX/XX/2022 with a balance of {$1000.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package.
They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of purchasing a car. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
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| 01/23/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX I, XXXX XXXX, called WAKEFIELD & Associates, to inform them that XXXX alleged 'debts ' they were holding in my name had been improperly sent to them after speaking with the University of Colorado XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for dates of service XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX, as each of these 'ER ' entities failed to bill my insurance company & had improperly indicated that I was an uninsured patient. I was told by XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Specialists that the XXXX 'debts ' would be pulled back from WAKEFIELD & Associates XXXX sent to my insurance for payment & removed from debt collection.
When I called XXXX on XX/XX/XXXX I was told they were carrying XXXX alleged debts in my name, XXXX of which would have been in my son 's name, XXXX XXXX, as he was a minor when those alleged debts occurred. They proceeded to list XXXX debts that are XXXX years old.
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX to make certain that the XXXX bills from XXXX had been pulled back from WAKEFIELD & Associates XXXX XXXX have been told in no uncertain terms, that yes in fact, those bills have been pulled back from this collection agency so my insurance can be properly billed & no longer reside with XXXX.
I also called WAKEFIELD & Associates back on XX/XX/XXXX or XX/XX/XXXX to inform them that the alleged debts they claim to carry for dates of service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX were no longer valid in the State of Colorado as XXXX never pursued a lawsuit to collect those alleged debts in my name & my son 's name, & those alleged debts had met their statute of limitations after 6 years, & they should not have them in any queue to try and collect on as they had missed their window of opportunity by blowing past the XXXX statute of limitations as these alleged debts are from XXXX and XXXX.
That's 11 years ago for the alleged debts from XXXX & 10 years ago for the debts they allege to carry from XXXX. This is a Colorado law, & they apparently could care less about this law as I called to remedy the situation once I learned the XXXX ' component of the billing that was never sent to my insurance for dates of service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX were being pulled from their collection company.
I was mocked and ridiculed when I told them these debts were too old to collect on. I spoke to several supervisors including, XXXX XXXX & a XXXX XXXX Both of these people failed to recognize that Colorado has laws that apply to medical debt collection, & that the company they work for, XXXX, was blowing past the laws of Colorado by keeping a medical debt they never pursued or took to court. If they were going to collect on these debts they would have taken their claims to court in XXXX and XXXX. They did not. It's XXXX.
As I said before, I was mocked & ridiculed, I was peppered with inappropriate questions about whether I accepted services in XXXX & XXXX. I told them I couldn't remember what I had for dinner XXXX nights prior so there was no way in XXXX they were going to get straight answers from me about alleged debts that were XXXX & XXXX XXXX XXXX.
XXXX is currently holding onto XXXX debts that are unlawful. The dates of service are : XX/XX/XXXX, appears to be in my name, XXXX XXXX. I want this & all old accounts in my name & my son 's name REMOVED from their queue as these are over XXXX XXXX XXXX & were never escalated for collection through any court in Colorado, & has met the statute of limitations for their ability to collect on these alleged debts. This is an invalid account.
The next date of service is XX/XX/XXXX, in my son 's name, XXXX XXXX, & a minor at the time. With federal health insurance too. Again, same issue, met the statute of limitations YEARS ago, never escalated through a court in Colorado, and now invalid.
The next date of service is XX/XX/XXXX, in my name, XXXX XXXX & same as above. Blown past the laws of Colorado & never escalated to collect through a legal process. This debt is now invalid.
The last date of service is XX/XX/XXXX, in my son 's name, XXXX XXXX, same as above. Blown past the statute of limitations, never escalated though a legal court process in Colorado & now invalid. I want the AG of Colorado to know that the people I spoke to were rude & haughty, mocking & threatened to take me to court for these debts. I told them good luck. That any judge would look at the dates of service & laugh them out of court. But you see they are using a shady tactic. That tactic was thinking they had me with dates of service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX they had been assigned by the XXXX ' groups. If I started payment on those dates, they had all the accounts under XXXX #, thereby trapping me into paying on invalid debts that are XXXX years old.
XXXX needs to remove all the invalid debts that have blown past Colorado XXXX XXXX XXXX XXXX under reference # XXXX XXXX in my name, XXXX XXXX and my sons name, XXXX XXXX.
Thank you.
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| 12/04/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I was taken to an alternate hospital without the proper procedures when I had an emergency condition. No doctor approval no preliminary test no stabilization of medical emergency and no insurance. Federal EMTALA laws were violated blatantly. No paperwork was ever given to us to authorize a transport and my symptoms of a imminent XXXX should have been stabilized or signed by a Dr of XXXX who believes benefits outweigh risk. I was transported nearly an hour to another hospital when plenty of other locations existed. I arrived to the other hospital suffering from obvious XXXX when it could have been prevented had they followed protocol. I paid dearly for their mistakes by suffering the effects from XXXX to this day. 2 years of loss of work and financial peril when they decided to move me without giving me an exam.
This injustice to my life cant be explained accurately with words bc I cant find the words that could possibly describe the many emotional draining moments the difficulties of bare minimum existence the degrading way of life they allowed without ever thinking past how I was gon na pay.
The dispute is over the ambulance ride between hospitals that I never was billed for or made aware of. Never even knew it existed. Never had a chance to dispute it and was pushed to collections within three months from the day of the ride. 3 months. The original ambulance service was never billed to me. That violates the TX timely billing laws and therefore dictates that the debt is invalid. I never even got a chance to dispute the ride I was given and I had no chance to verify the debt was legitimate. XXXX XXXX XXXX sold it to collections in 3 months to an out of state debt collector who in turn did absolutely nothing to make me aware this charge of XXXX existed. That way when I was finally notified not by XXXX XXXX XXXX that I had a debt outstanding nor the amt of the debt nor the immediate sale into collections nor the paperwork of any sort given to me stating what the charges are for. The out of state debt collector has damaged my credit and continues to do so by maintaining the validity and accuracy of this debt. I just dont understand why the credit reporting agency XXXX uses the very people who have the highest stake in this dispute to verify its accuracy. The collection agency bases its business success on the ability to make money collecting debt. They are already behind after the initial investment by purchasing it from the ambulance company. It would be completely counterproductive to ever deny the belief that every account they had is legitimately owed. The conflict of interest is so obvious its a blatant in your face example of unfair debt collection practices. The collaboration between the 2 parties involved is beneficial for XXXX also. I have made requests to both XXXX and XXXX XXXX XXXX to provide me with the method of logic used to make their decision. Both ignored the request completely. XXXX posts revenues in the XXXX of XXXX of dollars per quarter. Thats major money made by reporting negative and derogatory info. That kind of money overpowers people who are slave to it. All their services monitoring and things they sell to protect you arent needed if you dont have negative stuff to report. Then their revenue goes in the tank. Bad credit reports from collections affect credit reports not deletions. With their own interests in mind these people manipulate people like me and I know the reason it continues is bc its profitable.
So now with absolutely no action in attempting to notify me the debt stays hidden for 3 years so now instead of XXXX tthe out of state collection agency that is violating state law in Texas without proper bonds in place, is trying to collect XXXX extra dollars they just tacked onto the original amount. Reasonable fees I can understand. But not when they are nearly XXXX percent, illegal, and conviently not ever presented to me until the debt appears on my credit report causing a huge drop and lower credit rating. Still I dont find out until XXXX XXXX alerts me to the drop and when I review it Ive never heard of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX When I called the collection agency the rep stated that I would have to pay it because its an ambulance ride and I have no choice. Its a waste of my time to question any of the things being done. I disagree bc the ambulance provider believes that also that they can provide a unnecessary service and defy all the procedures and checks and balances, EMTALA laws, my rights and families well being and shockingly still try to assert the legitimacy of their service? They continue to destroy my credit and consumer reputation and have zero fear that they mite be held accountable because even if they do get caught in these unfair and unlawful operating procedures the penalty is worth the risk. In the end they still make money by abusing the consumer.
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| 04/17/2023 |
No |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am filing a complaint against Wakefield and Associates for inserting a unknown collection account on my credit reports with XXXX XXXX and XXXX without my knowledge of the alleged debt. I was never given a chance to validate this debt with the company. I have never recieved no information from this company before they decided to report this account on my files which is a FDCPA violation 1692c and 1692g. This company has also failed to answer to my inquiry request about validation within XXXX business days and the company continues to verify as accurate this estranged account with transunion and experian which is violation of the FDCPA 1692g ( b ) dispute debts.
XXXX XXXX XXXX I sent Wakefield a direct letter to the address XXXX and XXXX are both reporting XXXX XXXX XXXX, XXXX XXXX TN XXXX requesting validation on this alleged debt tracking number XXXX. Wakefield received my request XX/XX/XXXX. XXXX is repoting a different contact address which is XXXX XXXX XXXX, XXXX, TN XXXX. All 3 reporting agencies should be reporting the same contact address. Why does XXXX report a different address?
*XXXX XXXX XXXX I sent XXXX XXXX and XXXX XXXX dispute requesting verification of the account because I am unaware of the unknown account reporting.
XXXX XXXX XXXX experian generated me with results verifying as accurate the account report # XXXX.
XXXX XXXX XXXX I sent experian my 2nd dispute requesting their reinvestigation procedures used to determine their verified as accurate results under 1681i ( a ) ( 7 ) tracking XXXX because I had not heard back from this company yet.
XXXX XXXX XXXX XXXX generated me with results they prepared file # XXXX and the outcome was verified as accurate also.
XXXX XXXX XXXX I sent XXXX my 2nd dispute requesting their reinvestigation procedures used to determine their verified as accurate results under 1681i ( a ) ( 7 ) tracking XXXX because again I had not heard back from this company yet.
XXXX XXXX XXXX I sent Wakefield my 2nd letter putting them on notice that they are in violation of the FDCPA 1692g ( b ) for failing to answer to my inquiry request of validation on the disputed debt. Under the FDCPA this company is required to answer to my request within 30 business days. I have proof the company recieved my request and I have counted 30 days after they recieved my letter.
XXXX XXXX XXXX XXXX generated me with results and the outcome was again, verified as accurate report # XXXX.
*It is not fair to me the consumer to exercise my rights to dispute this unknown collection account directly with the company and the company refuses to answer to my inquiry and most importantly failed to validate the account per request within the 30 business days time frame respectfully given to them. I already requested reinvestigation procedures from XXXX and XXXX and I have not received no information in regards to those request either.
In addition, both transunion and experian have both verified as accurate the account and both agencies are reporting different information. XXXX reports the account is due to be removed XX/XX/XXXX and XXXX reports this account is due to be removed XX/XX/XXXX. XXXX reports the date of delinquency used to determine the 7 year removal date XX/XX/XXXX. Thats 3 different 7 year removal date which is a federal violation of the FCRA 1681c ( c ) running of reporting period. XXXX has not provided me with written results but that is as expected since XXXX never sends written results in which I think XXXX should be held accountable for that because it is a violation of the FCRA 1681i ( a ) ( 6 ) ( A ). I also noticed that on my transunion XXXX and XXXX reports dated the same date XX/XX/XXXX all three agencies reported the original creditor to be XXXX XXXX XXXX. Now all 3 of my reports show that the original creditor is XXXX XXXX XXXX XXXX which I have no idea whom the original creditor is. How is it possible for all of a sudden the original creditor name was changed by the company? How could the original creditor be XXXX XXXX XXXXXXXX and now a whole different entity that I have never heard of XXXX XXXX XXXX I looked up the company and it shows that the companys entity type is a XXXX XXXX XXXX XXXX XXXX XXXX
This third party collection company Wakefield & Associates is a unknown entity with a unknown original creditor that I have no knowledge of. Ive disputed directly with this company and the company refuses to answer to my inquiry request and provide validation. Ive disputed with the consumer reporting agencies and I get the same outcome verified as accurate. This is not fair to me and my FCRA and FDCPA rights are being violated.
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| 06/09/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that WAKEFIELD & ASSOCIATES had illegally posted an alleged collection account to my credit report. I have never heard of nor had an account with this company. My report shows that WAKEFIELD & ASSOCIATES open account was opened on XX/XX/2019 with a balance of {$1000.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. WAKEFIELD & ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
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| 04/25/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I will preface this letter by stating that I'm highly responsible and have never in my life had any bill go to collection ... nor would I EVER let that happen! It's equally relevant to mention that I have a PERFECT CREDIT SCORE with all 3 credit bureaus! However, much to my horror, a bill for {$670.00} that " supposedly went into collection '' ( which I DO NOT RECOGNIZE OR KNOW ANYTHING ABOUT BECAUSE IT WAS NEVER MY BILL ) suddenly appeared on my XXXX credit report two months ago. I immediately disputed the debt because it is not mine... and I then proceeded to dispute it SIX MORE TIMES because XXXX kept sending me an automatically generated response that the " debt was accurate and verified ''! But in actuality, the debt is NOT MINE and not even calling XXXX yielded any results! The name of the collection agency is Wakefield & Associates, and I learned they have offices all across the country... moreover, Wakefield. & Associates ONLY handles unpaid medical debts... BUT I DO NOT USE DOCTORS! Also, I had NEVER received any letter from Wakefield & Associates even though a collection agency MUST make the consumer aware of a debt before it " hits '' their credit report! So that in itself was a HUGE violation on the part of this sorely unethical collection agency!! I also have no idea how Wakefield & Associates acquired this " fraud debt '' that is NOT MINE... and if they bought it from the original creditor, then someone obviously linked it to my name by mistake! To make matters worse, this " debt '' lowered my credit score by XXXX POINTS and I am livid over this!!! THEN... this same {$670.00} " debt '' ( which I know nothing about and is not mine ) also showed up on my XXXX credit report and lowered that score by XXXX points too!! THIS IS AN OUTRAGE AND THIS " DEBT '' WAS NEVER MY BILL TO BEGIN WITH! So I decided to address this nightmare scenario with Wakefield & Associates directly and spent an entire afternoon repeatedly calling ALL six of their offices ... XXXX, XXXX, XXXX, XXXX XXXX XXXX.. and 3 other numbers I found for their shabby company. But much to my disgust, NO ONE COULD FIND MY NAME OR MY SOCIAL SECURITY NUMBER IN THEIR DATABASE... and I spoke with over 16 different agents! According to Wakefield & Associates, their exact words were, " You do not exist in our system, so how could we have placed an item in collection on your credit report? '' Yes, that is precisely what happened ... THEY were asking ME how this could have happened because I am NOT even in their database!! I also spoke with Wakefield & Associates supervisors who confirmed that my name and social security number are NOT IN THEIR DATABASE! I couldn't even ask them for a goodwill deletion on this fraud debt because they have no record of me in the Wakefield & Associates database!! However, this {$670.00} " bill in collection '' is on MY CREDIT REPORT even though it is NOT MINE! I then realized that XXXX has also been LYING TO ME because their response to all seven of my disputes was always, " the item is accurate and verified '' ... First of all it is NOT ACCURATE because it is NOT MY BILL... and secondly, it couldn't have been " verified '' ( as XXXX claims it was ) because Wakefield & Associates has NO RECORD OF ME IN THEIR DATABASE! So XXXX NEVER TRIED TO VERIFY THIS FRAUD DEBT ... they couldn't verify it because I do not exist in the Wakefield & Associates system!!!! I am now appealing to you for help because this item MUST BE REMOVED from my XXXX and XXXX reports immediately!! It's just a matter of time before it also appears on my XXXX report as well! I have made it perfectly clear that I have NO KNOWLEDGE of this debt, the bill was NEVER MINE TO BEGIN WITH, the collection agency NEVER sent me any mail correspondence before this fraud debt " hit '' my credit report, and XXXX has been lying to me by saying that the debt is " accurate and verified '' because they had no way to verify it since I do not even exist in the Wakefield * Associates Collection Agency database!!!!!! I am depending on you to help me and have this item removed from my credit reports!! This was never my bill and the collection agency who put this item on my credit report has no record of me in their database!!!!!! Therefore, this fraud item in collection MUST BE REMOVED FROM MY CREDIT REPORT NOW.
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| 02/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XX/XX/XXXX Subject : Disputing Information in Credit Report and Complaint to Debt Collector Tactics Recently, a debt collector obtained collections for debts I allegedly owe to a hospital. I replied to all of their communications with certified letters and after reviewing their validation letter I found the debt to not be mine or accurate. Despite information regarding my health insurance out-of-pocket max, having health insurance at that time, and requesting that if they do send it to the credit bureaus to inform them it is in dispute, Wakefield and Associates LLC reported these amounts to the credit bureaus and in one case they did not report it as being in dispute, the one for original creditor a hospital.
Again in regards to the a hospital collection claim, Wakefield and Associates never sent me a letter of the collection, this just went straight to being reported to the credit bureaus. They failed to respond to my inquiry regarding their license status or if this was bought from another collection agency. They also have declined to fully disclose information regarding this debt per my requests. Is there a judgment on this? If so where is it?
I am disputing all XXXX collections made by Wakefield and Associates, XXXX to the credit bureaus, account numbers XXXX, XXXX, XXXX, and XXXX as they are inaccurate, and filing a complaint that Wakefield and Associates violated the Fair Debt Collection Practices Act ( FDCPA ). The following are the four alleged debts from XXXX.
XXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance {$630.00} c. Date opened XX/XX/XXXX.
d. Original creditor a hospital XXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance {$390.00} c. Date opened XX/XX/XXXX.
d. Original creditor a hospital XXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance $ c. Date opened XX/XX/XXXX d. Original creditor a hospital XXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance {$22000.00} c. Date opened XX/XX/XXXX d. Original creditor a hospital The debt collector, Wakefield, and Associates, LLC, obtained this debt for collection. I received letters from the debt collector stating I owed a hospital and a hospital the following amounts over three letters. The letters regarding the debt ; XX/XX/XXXX with reference number XXXX and account number XXXX, XX/XX/XXXX with reference number XXXX and account number XXXX, and XX/XX/XXXX with reference number XXXX and account number XXXX. I replied to each one of these collection letters requesting debt validation via certified letter.
They replied to my validation request in one letter on XX/XX/XXXX which included an account details statement with four amounts which included the three amounts they sent letters regarding and an additional one they added at this time and that I had not received in a collection letter or any other form of communication until this letter. Also included were invoices that do not appear to be originals from hospital but invoices created by Wakefield & Associates ; I believe this because I receive invoices from hospital and they look nothing like those. I can not comment on hospital invoices as I never received one. These invoices had amounts throughout XXXX that do not correlate to any visits with hospital or hospital. I replied via certified letter on XX/XX/XXXX that this debt is not mine and how I came to this conclusion. I also requested that if they still believe the debt to be mine to provide tangible proof that would make me believe it.
Enclosed is the following documentation supporting my complaint ; my credit report ( redacted ) with the mistakes I want to be fixed enclosed in red boxes, proof of my insurance status via my Medical Member ID card, medical claims exported from my XXXX XXXX accounts page dating back to XX/XX/XXXX, scanned copies of the collection letters, scanned copy of the validation letter, copies of my request for validation letters, copy of my reply to the validation letter, and discharge documentation from a hospital ( redacted ).
Based on my out-of-pocket max alone, it would not be possible to owe what they believe I owe. Please investigate this matter.
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| 06/14/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/XXXX I was notified by XXXX that a collections account had been placed on my report. The collections company was listed as Wakefield & Associates and the creditor information was not included. I disputed this with XXXX as I had never received ANY communication from Wakefield & Associates and was unaware of any outstanding medical bills. XXXX responded to my dispute by stating that the information was 'verified as accurate and updated '. I called XXXX to request a copy of the information that was submitted to them as proof to verify the debt as accurate and the operator was unable to offer any information other than letting me know I could leave a comment on my credit report. The updated information included an address for Wakefield & Associates and the original creditor as XXXXXXXX XXXX XXXXXXXX XXXX. As I had never received ANY communication regarding this debt from Wakefield & Associates or XXXXXXXX XXXX XXXXXXXX XXXX I sent certified letters to both parties requesting information. In addition, I tried calling Wakefield & Associates at several different telephone numbers and none of them had a live person ever answer the phone. The letter requesting additional information ( copy attached ) was delivered to Wakefield at XXXX on XX/XX/XXXX and signed for at the front desk. On XX/XX/XXXX I received a phone call from someone at Wakefield and he did not offer ANY information regarding the debt, however, he did request that I give him a credit card number to pay the amount due. I told him that I had confirmation that my letter had been delivered to their offices and I am waiting for their response to my request for validation of the debt information. To date ( XX/XX/XXXX ) I have yet to receive ANY information or further contact from Wakefield & Associates, however, they continue to add to the unconfirmed collections balance on my credit reports. In response to my letter to XXXX ( copy attached ) I received a copy of an invoice for services rendered on XX/XX/XXXX that was originally dated XX/XX/XXXX and was sent to an incorrect address ( attached ). Due to the invoice being sent to the wrong address, I never received the billing. In addition, my insurance company never received any invoicing from them either, however, the hospital where the ambulance service delivered me was able to contact me and bill my insurance without any issues and were paid in full immediately upon submission by my insurance company ( Proof of pmt attached ). It makes no sense that the ambulance company was unable to properly contact me or bill my insurance when the hospital ( just a few miles away from the ambulance company ) clearly had ALL of the proper information. Regardless, I immediately updated my information with the ambulance company and gave them authorization to bill my insurance ( see attached letter ). I received confirmation from XXXXXXXX XXXX XXXX that they submitted the invoice for payment to the insurance company and on XX/XX/XXXX, I received a notice ( see attached ) from my insurance company that they denied the claim because it is past the time limit for filing and I ( the patient ) am under no legal obligation to pay this claim. It is the servicer 's responsibility to obtain my signature for services as well as my insurance and contact information at the time of service and they had almost two years to contact me and/or my insurance to resolve this billing issue. It is very likely that Wakefield & Associates is fully aware that they are illegally trying to collect on an expired claim and therefore never sent me a notice of debt prior to reporting to the credit bureau and have refused to follow up or send me any documentation at all regarding the validity of this collections account on my credit agency reports ( XXXX & XXXX ).
|
| 08/02/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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What happened is in XXXX I was sent by Social Security XXXX to go get XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. Before I went, I had a pre-authorization letter that was sent to XXXX XXXX by Social Security XXXX. When I went that morning because Social Security had to give me an appointment, everything cleared, and they had me go do the XXXX. As soon as I left, for some reason, Social Security decided to cancel the appointment after they had received the files from XXXX XXXX XXXX XXXX. About 3 to 6 months later, I had a bill from XXXX XXXX, claiming that I owed {$1900.00}. I talk to them and they told me that Social Security never paid. I reached out to Social Security, and for many months I dealt with them and XXXX XXXX in between trying to get them to deal with it. Finally, I reached a supervisor in Social Security and told him what was going on. They authorized a payment to XXXX XXXX in XXXX. Later on, I was called by XXXX XXXX, claiming that they never received any payment. I reached out to Social Security once again, and I was told that they did receive a payment, however, they were going to resend the payment. A couple months later I checked with Social Security, and they told me that XXXX XXXX XXXX XXXX XXXX XXXX had cashed the check. From there I was under the assumption that everything was taken care of, I never heard from XXXX XXXX again, nor do I hear from anyone else, like a third-party debt collector. XX/XX/XXXX, I received a notification from my credit monitoring system from XXXX, as well as XXXX XXXX, that a collections account had been put on my credit. I immediately called and I record of the conversation, and they claimed that I had a debt, and that they claimed that they had sent a letter to me as well, which I never received from any debt collector. I told them that I did not have a debt with XXXX XXXX XXXX XXXX, XXXX XXXX. I then called XXXX XXXX, and I talk to you a representative which had told me that they had gotten the check and that it had been cashed. However, they have never pulled the account back and fix it. Back XX/XX/XXXX I had a Law Firm send a letter to both XXXX XXXX as well as to Social Security, and that they had to send me a letter or something within 30 days which I never received from either party. I know through FCRA that I am supposed to be told if I have a debt which I was not after everything had been fixed with Social Security, and that the check has been cashed by XXXX XXXX. A new federal law prohibits a debt collector from telling a credit reporting agency about a debt before either speaking to the consumer or sending a debt validation notice and then waiting to make sure it's delivered. this never happened. The third-party debt collector did not send me any information and I had no idea about this till like I said XX/XX/XXXX when I saw a collections on my account. This can not continue due to the fact that I have Social Security that has already told me that they sent the check and it was cashed by XXXX XXXX before the collections was put on my credit. And I also have XXXX XXXX billing department, who told me that in their system they see where the check was received and cashed. And I have that conversation from XXXX XXXX recorded. What Wakefield and Associates did was unjust, as well as hurt my credit and also they did not follow the requirements by CFPB or federal law, by letting me know that XXXX XXXX claim that there was a debt owed by me. If I had known about this situation, it wouldve been in dispute with XXXX XXXX however they went straight to the credit report to damage my credit and my finances. To this day, they still have that collections on my credit report.
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| 11/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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I first noticed this collection report from Wakefield and Associates appearing on my credit reports in XXXXXXXX XXXX XXXX I called them 3 times, each time I was given different information regarding the dates of the alleged unpaid debt. The second and third times I called, I was given an address to write to to get the requested information, one address on the second call, another address on the third call.
After the second cll, I mailed the following letter via first class mail : XX/XX/2023 Wakefield and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Wakefield and Associates : I am requesting additional information on a collection report placed on my credit files by you according to the reference number above. Please send me any available information including invoices to helpmeet identify and resolve this matter as it has had a seriously negative affect on my credit scores.
Please send to my mailing address shown below.
Thank You, I received no reply to this letter.
On my third call to them, XXXX was told to send an email to XXXX. I then sent the requested email on XX/XX/XXXX, XXXX as follows : Dear Wakefield and Associates : I am requesting additional information on a collection report placed on my credit files by you according to the reference number above. Please send me any available information including invoices to help me identify and resolve this matter as it has had a seriously negative affect on my credit scores.
Please send to my email address or my mailing address shown below.
Thank You, I never received any response to this email or my previous letter.
Finally, I sent the following letter via registered mail : XX/XX/2023 Sent by registered mail Wakefield and Associates XXXX XXXX XXXX XXXX XXXX XXXX
XXXX Third Request for Debt Information Since XXXX XXXX your company has reported an overdue account too all three major credit agencies, resulting in a drop in my credit scores from an average of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX currently. Despite carefully checking all my records, I can find no accounts corresponding to what you listed as overdue.
I disputed this collection to all three reporting agencies, but was told the amounts were confirmed by you and they would not remove the collections.
I have talked to your company three previous times, and requested information to allow me to verify any overdue accounts. I was advised to write a letter to your company requesting this information, which I did by a first class letter on XX/XX/XXXX, copy attached, After almost a month passed with no response from you, I called again, and was told to email a request with my account number to you, with the same request. I did so on XX/XX/2023, and again have received no response as of now, XX/XX/XXXX. I have attached a copy of this email as well.
If I am not given this information, invoices with dates and amounts, there is no way I can verify that these were my bills. I will allow until XX/XX/XXXX of this year, and will then file complaints with the CPRB and any other relevant agencies, as well as explore any other legal options I may have. I have worked very hard for the last several years to improve my credit score, and this has significantly damaged me by impairing my ability obtain credit on reasonable terms.
Sincerely,
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| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Debt Collector, please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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| 03/26/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently applied for a home mortgage and was denied as this company has a $ XXXX derogatory mark on my credit. I called them because I've never recieved a bill from them. They also claimed and explicitly stated to me : " We are not a collection Agency '' we are collecting this " On behalf of the hospital '' I've tried and tried to dispute this charge due to non-patient responsibilities from the originating bill. I requested a detailed invoice via phone and they said I needed to make the request in writing. I emailed them at XXXX as directed, I've emailed them multiple times over the past 18 months requesting updates and informing them I'm attemptjng to settle this debt. Not a single response.
They use to have a website with the same domain as their email but that website no longer exists. They misrepresented themselves to me, and informed me that any adjustments would have to be made by the hospital. The hospital stated they have never heard of this company and that they can ot make any adjustments because it was frlm XXXX. I just want this off my credit report since I've performed my due diligence and performed all of the steps that everyone along the way has asked me since XXXX, including the hospital. It is not my fault that companies failed to bill or billed my insurances incorrectly. I've performed every action and piece of evidence requested with no prgress.
I feel like I did their job for them. Yet they will not respond to anything in writing. This seems beyond suspicious to me. I requested a list of the patient responsibilities for this alleged debt and they said it was " under review '' with their " insurance department '' I asked to speak with that department in an attempt to settle the debts because I called my insurance companies at their request to aquire the details and statements of their records on patient responsibility. I was refused the opportunity to speak with someone.
I filed a complaint with the XXXX and they did not respond to them either.
I have had no communications from this company, despite my numerous attempts. At one point, my account was with a company named Wakefield Associates, and I was working with them to do the rebills, etc. Once the timeframe to rebill the account passed, the account was no longer with them. I received a single piece of physical mail The Healthcare Receivables Group, and I contacted the number on the paper. I asked what happened and how they received or purchased this account from Wakefield. They immediately, and very rudely informed me that they are NOT a collection agency and they are attempting to collect this debt directly for, and on behalf of the Hospital. I thought this to be a very suspicious. As my original complaint stated, they asked me to email them certain details.
As you can see from the attachments, I sent the requested information and have never heard back from them.
Attached is : XXXX XXXX - The entire email thread that I've sent to them with zero response.
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to you in regards to the collection account : WAKEFIELD AND ASSOCIATES, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX currently being reported by your agency on my credit report. It has come to my attention that this collection entry is inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). This letter serves as a formal request to cease and desist all collection activities related to the alleged debt and to remove the collection account from all three major credit reporting agencies.
I dispute the validity of the alleged debt and deny any liability associated with it. It is my belief that this debt is incorrect or has been misrepresented. I have never received any communication or notice regarding this alleged debt, nor have I been provided with an opportunity to address or dispute it.
In accordance with the FCRA, I am exercising my rights to request proper verification and validation of the debt in question. I hereby request that you provide the following documentation within 30 calendar days of receipt of this letter : A complete and itemized account statement, including all charges, fees, and any applicable interest.
Proof of a valid and enforceable agreement, such as a signed contract or agreement, demonstrating that I am legally responsible for the alleged debt.
Verification that your agency is duly licensed to collect debts in my jurisdiction.
Until such time as the requested documentation is provided and the alleged debt is properly verified, I demand that you : Cease and desist all collection activities immediately, including reporting the alleged debt to any credit reporting agencies.
Refrain from any further communication with me or any third parties regarding this alleged debt, except for providing the requested documentation as outlined above.
Failure to comply with this request within the specified timeframe will leave me with no choice but to take further legal action to protect my rights under the FCRA. This may include filing complaints with relevant regulatory bodies and pursuing a civil lawsuit to seek damages for violations of the FCRA.
I hereby request written confirmation, within 15 calendar days of receipt of this letter, that you have taken the necessary actions to address this matter. This confirmation should include : Acknowledgment of receipt of this letter.
Assurance that all collection activities related to the alleged debt have ceased.
Confirmation that the collection account will be removed from all three major credit reporting agencies.
Verification that no further attempts to collect on this alleged debt will be made.
Please be advised that any failure to comply with this request may result in legal consequences, including but not limited to actual damages, statutory damages, attorneys ' fees, and court costs.
Thank you for your immediate attention to this matter. I expect a prompt resolution and the restoration of accurate credit reporting.
|
| 11/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a letter from Wakefield and Associates, LLC on XX/XX/XXXX stating that I owed {$1100.00}. I contacted my insurance company ( XXXX ) who sent me the EOB ( Explanation of Benefits ) which showed that the original charge was {$1600.00} and the XXXX Member Discount was {$1100.00}. XXXX paid {$420.00} on XXXX which was the difference. I, as the member, did not owe anything else toward this bill. I informed Wakefield of this via phone, email, and letter via postal mail on XX/XX/XXXX and again on XX/XX/XXXX. I filed a dispute with XXXX to have the collection removed but they did not and continue to report this bill fraudulently which is negatively affecting my credit score. This is the email I recently sent to the company : My name is XXXX XXXX. My DOB : XX/XX/XXXX SS # : XXXX I am writing this email to demand that you have this account ( Wakefield XXXX ( # XXXX ) removed from my credit report immediately. I had contact with one of your representatives ( XXXX ) on XX/XX/XXXX and also sent an email with proof of payment from the insurance company on that date as well. I sent the verified information to the email address she gave me ( XXXX ) showing that my insurance company paid this bill on XXXX. I am including the EOB with this correspondence. The amount that you are trying to collect from me is the amount that is contractually discounted between the doctor and the insurance company and XXXX XXXX XXXX XXXX paid the remaining balance which shows that I do not owe anything on this bill. Your reporting of collections of the bill is not legal and is hurting my creditworthiness and reputation. I have written letters to XXXX and the other credit bureaus detailing this information. Again, I am including proof that I do not owe this bill and I request that you please have it removed immediately ( within 30 days ) and update the credit bureaus accordingly.
Due to the fact that this is my 3rd communication about this matter, I am also notifying the Tennessee Collection Service Board of the Department of Commerce and Insurance and the Division of Consumer Affairs at the Attorney Generals Office at XXXX : XXXX. of your unwillingness to comply with the state law from which you are licensed. I am prepared to and will sue your company for the maximum civil, criminal, and punitive damages available by law.
Please inform me via email and postal mail when you have deleted this account, updated the credit bureaus, and have rectified this situation that is causing me great harm in this unstable economy.
Thank you.
XXXX XXXX XXXX XXXX I also included a copy of the EOB from XXXX showing that the bill was paid and I don't owe anything along with the bill that came from Wakefield with their numerous account numbers on it.
|
| 12/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have sent documents in XXXX of XXXX to the debt collector XXXX, XXXX, XXXX and XXXX XXXX. Stating this debt does not belong to me. I have also requested several times to update all my contact information with all XXXX bureaus. It still shows on my credit report as a closed account, this hurting my score. The fact that the balance increases. I do not owe anything to Wakefield & Associates nor do I recall visiting any hospital as the date shown on my credit report with Wakefield Associates nor have I ever done any business with their company past or present. I have requested that this information is to be removed and deleted as soon as possible. This is in violation of my rights according to the fair credit reporting act. someone is not marking the dispute information properly As far as XXXX is concerned they refuse to update any personal information on my credit report, names addresses phone numbers. With them being noncompliant I was force to place a fraud alert and security freeze on my credit report.
I also filed bankruptcy in XXXX, I ask all XXXX agencies XXXX, XXXX, XXXX, XXXX XXXX and XXXX how was this information received and how was this information placed on my credit profile with written or verbal consent.
I sent a letter to bankruptcy court as they responded by stating that they do not report to credit bureau. I have contact XXXX XXXX and XXXX requesting to which both company stating they do not report to any of the bureau. XXXX XXXX claims they have not provided my personal information to any of the XXXX bureaus. I was never ask nor Have I never given my consent verbally or written to place bankruptcy on my credit report. I'm well aware that this is public information, I never consented to place public information on my private credit report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately.
I also open a credit card with XXXX XXXX back in XXXX of XXXX the credit card was closed in XXXX of XXXX. I requested a paid in full letter as well as a removal remark letter from my credit report since the balance as been paid in full. Instead I receive something stating this will remain on my credit report until XXXX. I request that information must be deleted immediately.
Inquires- I purchased a vehicle on Saturday XX/XX/XXXX of XXXX without a pre-approval letter. In XX/XX/XXXX all inquires should have been removed from my credit report they remain. It would be dishonorable of to say these things are taking place to my demographics.
I request that all information is updated with completeness and accuracy. If request can not be met I will be force to seek legal actions according to the violations that I have experienced.
|
| 08/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I am writing to register another formal complaint regarding the unresolved matter of a medical collection debt associated with my account, currently being pursued by Wakefield & Associates. Despite my previous attempts to address this issue and your company 's failure to adhere to consumer protection laws and guidelines, this unjust and incorrect entry continues to tarnish my credit report.
In XXXX, I lodged a dispute with the Consumer Financial Protection Bureau ( CFPB ) concerning the medical collection debt under your agency 's name. Regrettably, the matter was not resolved successfully, necessitating further action on my part. On XX/XX/2021, I sent a certified letter to your agency, requesting the following documentation be provided to me within 30 days : Proof that my HIPAA rights were not violated during the debt collection process.
Detailed itemized billing statements pertaining to the debt in question.
Any contracts or agreements with my signature that validate my responsibility for the debt.
Despite my efforts to engage in a transparent and compliant process, Wakefield & Associates failed to respond to my certified letter and provide the requested documentation within the stipulated time frame. This blatant disregard for consumer rights and protection only serves to exacerbate the issue. The item in question remains on my credit report, despite my persistent efforts to ensure its accuracy and compliance with the law.
It is my legal right, under relevant consumer protection laws, to receive the information I requested in writing within the specified 30-day period. Furthermore, these requests for information should have been extended not only to me but also to the credit reporting bureaus, as mandated by law. Your failure to fulfill these obligations puts your agency in direct violation of my consumer rights.
I wish to reiterate that the credit reporting agencies confirmed receipt of your verification of the debt. However, this verification does not absolve Wakefield & Associates from the obligation to provide the requested information within the stipulated time frame to me in writing. Therefore, I insist that you take immediate action to rectify this situation by removing the inaccurate and unjustified entry from my credit report.
I expect to receive written confirmation of the steps taken to address this matter within 15 days from the date of this letter. Failure to do so will compel me to escalate this complaint further, including seeking legal counsel to ensure my rights as a consumer are upheld.
I look forward to a swift and lawful resolution of this matter and anticipate your timely response.
Sincerely, XXXX XXXX
|
| 02/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I was seen at the emergency room at XXXX XXXX XXXX in XXXX or XXXX of 2019. I was having difficulty communicating and my daughter helped me get care. I gave the hospital written permission to communicate with her about my care and any financial issues. I was covered under the VA at 100 % of medical. They assumed because I was homeless at that time that I was lying despite me providing them my VA id and never bothered to send the bill to the address my daughter gave them or the VA.
I received phone calls months later and they told me they never billed that address because I was homIeless. XXXX XXXX verified that they had the address on file which was my daughters but because I was homeless they didn't bother to send a bill to the address. I gave all the billing information XXXX XXXX needed for the VA and provided my address. XXXX XXXX continued to not bill the VA or send me a bill of the services.
I called XXXX XXXX to see what the resolution was and was told it was to late and XXXX XXXX sent the bill to collections. They had no answer about why I still had not received a bill but said I should receive one from collections. I never had the opportunity to request financial help since I never received the bill to begin with. They did not even contact me by phone until months later although they had my phone number and my daughter 's.
I called the VA and they tried to assist by contacting the hospital but they were told it was in collections and there was nothing they could do. I was told there was no timely AR billing so XXXX XXXX XXXX had to work with them. Instead they sold the debt to a collection agency who refuses to refuses do anything except add interest and ask me for a credit card number to pay the bill. Years later they contact me by phone although they should of had addresses and phone numbers to reach me or send me an itemized bill.
XXXX and XXXX called me and said it all has to be paid and that the events leading up to this were irrelevant, the debt needed to be paid in full by me. If I did not pay the bill in full, I would be reported to the Credit Bureau and they would take actions to attempt to collect the debt. I have asked XXXX and XXXX to verify the debt via certified mail. I still have not received a bill from XXXX and XXXX but they have put this debt on my credit report after I spoke to them early XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, WA XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Office Hours : 8 am - 4 pm Monday-Friday ( Except Holidays XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX ( XXXX ) XXXX
|
| 02/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Around XXXX of XXXX I went to XXXX XXXX for a XXXX XXXX, during the visit I was told that I would need XXXX for top and bottom and before they would fix the XXXX XXXX, they recommended me to get the XXXX first. I agreed and they made me an appointment to get fitted for the partial around XX/XX/XXXX. During my visit, my insurance was validated with the insurance company, and the XXXX office presented with an estimate of cost for the partial, the estimated showed. the portion I was responsible for and the portion in which they insurance agreed to pay, prior to me making any commit, I was told that because the service was for custom partial, I would have to pay my portion prior to the XXXX office sending the impression off to be made. I agreed and made payment for my portion of the expense that day. Around XXXX of XXXX, return to XXXX for my XXXX during that visit they adjusted my XXXX XXXX XXXX XXXX XXXX. upon leaving I stopped at the front desk to take, and outstanding balance and I was told. There was no balance, and I was good to go.
Around XXXX of XXXX, I received and invoice in the mail from XXXX XXXX, I immediately call their office and spoke with the billing person to speak about the bill, and I told her exactly what I wrote about, she said OKAY she would need to get in contact with my insurance company again and we ended the call. I then call XXXX insurance company just to be certain and I was told the claim paid out, so if figure must have been and error.
Around XXXX I receive a call for a Wakefield collection agency in regard to the {$1500.00} charge, I was surprised as I though the issue was resolved, and the {$750.00} charge was now. {$1500.00}. I explained to the representative all they above and he said he would need to get back in touch with the XXXX office.
I never heard back, instead Wakefield popup on my credit report as a collection, I have tried countless times to get them to resolve this, but they continue to report the inaccurate information to the credit bureau.
The agreement I had with the XXXX office said I would pay portion of responsible cost at time of service which I did. I don't know what was or wasn't file correctly with the insurance company nor do I have control over that, all that was worked out at the time of service between my insurance provider and XXXX office. I contacted the insurance company and they have said they paid the claim, so I am not sure why I am still be harassed and pursued for something I don't owe.
|
| 01/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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1.I have never had an account with this company WAKEFIELD AND ASSOCIATES , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WAKEFIELD AND ASSOCIATES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 04/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
To Whom It May Concern : On XXXX XX/XX/XXXX, I became aware of an erroneous defamatory delinquent collection on my credit file reported by WAKEFIELD & ASSOCIATES in the amount of {$1000.00} which didnt and couldnt possibly belong to me at all and which dropped my credit score by XXXX points with XXXX.
I immediately contacted WAKEFIELD & ASSOCIATES at the telephone number indicated on my report, ( XXXX ) XXXX.
I spoke with XXXX at approximately XXXX XXXX XXXX who informed me that the flagged collection account was from XXXX XXXX XXXX in XXXX, Tennessee.
I explained to him that I had never been to Tennessee and in no way did I require an ambulance there. He insisted that the debt was mine and I immediately did a skip trace using the alleged address of the person with my same name and age while on the telephone with XXXX.
At an address in XXXX, Tennessee XXXX.
I found the individual listed at that address using or having the same name as mine but with two different middle initials. Middle initial XXXX XXXX XXXX' on the one hand, " XXXX XXXX on the other.
XXXX then told me I would need to contact the sheriffs department and file a report to have them remove the collection account from my credit file giving me Reference # XXXX and to send them a copy of the police report via email at XXXX.
I hung up but, then I called back minutes later and spoke to XXXX who told me that the XXXX XXXX occurred on XXXX XX/XX/XXXX with a pick-up location of XXXX XXXX XXXX XXXX XXXX, Tennessee and a drop-off location of XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX.
I then left my home and went directly to the sheriffs department where I was informed that I would need to contact and file a report in XXXX, Tennessee with the police there as the possible identity theft was not in XXXX XXXXXXXX XXXX XXXX XXXX
I then called XXXX XXXX, Tennessee police and was informed that I would need to have the XXXX XXXX sheriff contact them because I live in South Carolina.
How are collection agencies allowed to place derogatory, defamatory, and libelous information on someones credit file?
Wakefield & Associates should have known or reasonably known that the libelous reporting of an alleged delinquent collection account to my credit file was in error causing serious harm to my reputation.
I am a XXXX XXXX veteran that suffers with XXXX XXXX XXXX ( XXXX ) and I dont need this mess in my life.
I pay my bills.
Kind regards.
|
| 07/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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My name is XXXX XXXX XXXX and I am a federally protected consumer, and I am making this complaint against Wakefield and Associates, for committing identity theft. I have never given Wakefield and Associates any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with Wakefield and Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving Wakefield and Associates any right to collect on this alleged debt.
I have never received any documentation requesting validation from Wakefield and Associates, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Wakefield and Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this alleged debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Wakefield and Associates can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Wakefield and Associates continues its collection efforts, I will file for litigation for actual damages caused and Wakefield and Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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|
A collection account that appears on my report. I believe that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in investigating and correcting this matter.
Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Information : WAKEFIELD AND ASSOCIATES Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of First Delinquency : [ Date of First Delinquency ] I am disputing the accuracy of the information related to the collection account mentioned above due to the following reasons : Inaccurate Reporting : The information provided in the collection account is not accurate and does not reflect the true status of the debt. I request a thorough investigation into the validity and accuracy of this account.
Violation of FCRA Laws : I believe that the reporting of this collection account is in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 of the FCRA requires that information reported by credit bureaus is accurate and complete. The inaccuracies in this account are detrimental to my creditworthiness and financial standing.
Abusive Collection Calls : I have been subjected to abusive collection calls by [ Name of Collection Agency ]. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits abusive and unfair practices by debt collectors.
I kindly request the following actions to be taken : Investigation : Please conduct a thorough investigation into the accuracy of the information associated with the collection account mentioned above.
Verification : Verify the legitimacy of the debt and ensure that it complies with all applicable laws and regulations.
Removal of Inaccurate Information : If the investigation reveals any inaccuracies, please promptly remove the inaccurate information from my credit report.
Documentation : Provide me with any documentation supporting the accuracy of the collection account, as required by FCRA.
I remind you of your obligation to respond to consumer disputes within 30 days, as stipulated by the FCRA. Failure to comply with these requirements may result in legal action.
Thank you for your prompt attention to this matter. I am confident that a fair and accurate resolution can be achieved through your assistance.
|
| 03/18/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I took my son to ER on XX/XX/XXXX. His first name is my middle name and his middle name is my first name. basically same. He has full Medicaid. Not sure why we got billed, {$300.00}. actually received a bill sometime in XXXX and when tried to give the insurance they could not find the account ( the hospital billing department over the online account search ). So then I figured this is an out of state network provider. Received a bill and tried to open online to update the insurance and could not find an account. Name was misspelled, dates of birth wrong, no Social number. Could not find an account. Now, on XX/XX/XXXX I received a collections letter and before I have time to go through it, I see on my credit report it is a collections reported. I call first the clinic that I supposedly owe money, and give my info and they said we don't have anything under your name. I give then, my child info and they say that yes, there is a balance due and it was sent to wakefield and assoc. for collections. I tell them my child had and has Medicaid. They gave me in the end an email where to send a proof of insurance. I called up the insurance and they said instead they will file a grievance. I then called up the collections and told them the story but the person on the line didn't seem to understand me and my spouse and kept saying it is better to pay because i see the insurance already paid a part. They don't understand that it is my son not me, and he has Medicaid. So they also said, they send an update to credit bureaus each Monday and if I paid next Monday they will send and update and delete it from the report. I paid, did not get a receipt of payment. They also charged {$6.00} fee. I did not approve all this time that this is my medical bill. I just paid to get rid of the report as per what they said. I then tried to call this collections company about the update they promised to take off the report, and no number is being answered, I am being sent to leave a voicemail. All this time, I did not have an option where to give the insurance number to anyone. Just to pay. Seems that a child having Medicaid can be billed.
My grievance is in the works with the insurance but I feel I was misled by the collections in the way they handled and then not give me a written proof of what they said over the phone or answer my call to talk to a live person.
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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Notice for Proof of Claim Account : WAKEFIELD & ASSOCIATES XXXX To Whom it may Concern : This is a complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
|
| 10/10/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
The following companies whom have not sent me proof of contract from original collector providing proof of debt are XXXX XXXX XXXX WAKEFIELD & ASSOCIATES, XXXX XXXX XXXX Due to these company getting a charge off tax write off and profit with this account I was supposed to by law receive a 1099 from this company that I have requested which the law states any write offs over {$600.00} is my right to be given, I was never mailed a copy of this 1099 for this alleged debt. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
|
| 02/01/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I submitted a XXXX complaint on XX/XX/XXXX. On XX/XX/XXXX I requested, among other things, validation of the alleged debt.
Choice Recovery responded to this request by sending me a financial policy. The documentation, among other things, does not validate any debt, show any credits applied, or show any explanation of charges.
While I was disputing the validity of this debt with Choice Recovery, I also contacted the original creditor ( OC ) XXXX XXXX XXXX XXXX XXXX XXXX. The OC, in my opinion through medical negligence, botched a dental procedure than caused me personal injury. I have been advised that in Missouri a dental assistant can not seat a crown which is considered by many to be a critical part of any dental restoration procedure. I had a crown seated by someone who was not trained to the standard of care and as a result I was harmed. The dentist advised me they would fix the issue at no cost to me. I was moving and I was fed a line that they were going to get me taken care of at a " sister clinic. '' Nobody followed up with me and I left several messages for them. They told me if their " sister clinic '' could not fix my issue ( s ) then I would receive a credit and not be charged. In XXXX I spoke with XXXX and confirmed via telephone that I did not have a balance. I was advised by XXXX, the practice XXXX, that she would have to contact legal in order to send me a letter confirming all of this. I never received a letter. And they must have blocked my number or something because whenever I tried calling back to follow-up, I was either left on hold for over XXXX minutes or made to leave a message and nobody ever returned my call.
Despite my best efforts to follow-up I received no letter from the original creditor and on XX/XX/XXXX Choice Recovery posted a collection from this original creditor - this time for an even higher amount to my credit report.
Choice Recovery posted the collection knowing full well they never validated the debt in XX/XX/XXXX and never sent me any oral or written communication notifying me that they were going to post the account. This is a violation of my rights under debt collection and consumer finance laws.
|
| 02/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
As my family was looking to buy a house in XXXX california - due to job changes, and our house already leased out coming up in XXXX, my credit score dropped by XXXX points. I assumed it was from a newly opened account to take care of emergency medical cost. I did not look further into it. I paid that bill off, and no change happened - so I looked closer, and there was one negative item on my report. I have spotless credit and suddenly this unknown company which I had never heard of has a XXXX dollar collection on my XXXX report. I immediately called them and told them I was a victim of severe identity theft. I sent them all of the documents ( police reports FTC affadavit, notarized, letter ). They assured me after a few days passed I neednt worry and it would be removed. It wasnt. I disuputed with the credit agency XXXX, and it was CONFIRMED as valid by the company after promising to remove it. I could not send through another dispute online so XXXX wanted me to send a letter which would make us basically homeless as renters would be taking over our house. I called again and was assured that the compliance dept would handle it They didnt. It was reported again on XX/XX/XXXX with additional interest. Called again was told to email compliance and they would send a letter of deletion. THey did not. I sent all of the documents requested to verify my identity and again the ID Theft which they had received many times throughout the years as it happened twice ( same style of fraud I believe it to be same person ). So we are close to XXXX the item remains on my credit and this company has done nothing they promise to do. My credit I have worked so hard on was devastated by this company, and they keep lying to me. This is having a grave effect on my new job, and health due to stress, as we need to prepare the house for renters and should have selected a home in XXXX XXXX by now, And Wakefield and Associates shows zero concern They also argue that they are not reporting it when I am staring right at the entry on XXXX. My score was XXXX now its like XXXX. I am in dire need of help. Please let this company know about the Fair Credit Reporting Act.
|
| 06/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
In XXXX Wakefield & Associates XXXX, out of XXXX Tn. sent my wife XXXX XXXX and myself XXXX XXXX XXXX debt collection referenced letters apiece. ( XX/XX/XXXX - total XXXX specific reference # 's - XXXX each individual letter - ten specific Account # 's attached from XXXX XXXX XXXX for each letter received ) These letters were debts allegedly owed for our yearly annual physicals performed for us both & received on XX/XX/XXXX. I answered/provided information for all alleged debt letters received from this company on or about XX/XX/XXXX. In those letters received it stated the following : We must stop collections on any amount you dispute until we send you information that shows you owe the debt. No information was ever received by my wife or myself from Wakefield & Associates through XX/XX/XXXX showing we owed any debt.
On or about XX/XX/XXXX my wife XXXX and I again received another five debt letters apiece ( XXXX total ) from Wakefield and Associates XXXX for the same amounts of debt allegedly owed for XX/XX/XXXX from last year. But in these debt letters we received all XXXX reference # 's from Wakefield and Associates XXXX were different from last years and the alleged debt owed was now owed to XXXX XXXX XXXX XXXX ( same amounts allegedly owed, one word added in name - Health ) All their account numbers assigned to the debt were now changed with the last XXXX account numbers not matching last years accounts numbers for the same alleged debt owed from last year for XX/XX/XXXX. ( we refuted/responded in writing to these new letters received on or about XX/XX/XXXX ) My wife and I would like your federal agency to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Wakefield and Associates XXXX XXXX for unfair and deceptive practices to collect debts allegedly owed according to the Fair Debt Collection Practices Act which became effective XX/XX/XXXX. Additionally we request that your agency provide us with a written report and determinations of your agencies conclusions reached and actions taken against the above companies referenced.
Thank you for your time and consideration in this matter. XXXX and XXXX XXXX XXXX XXXX.
|
| 05/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XX/XX/2023, at XXXX XXXX, I received my first voicemail message from a representative stating, " Hi, this is XXXX calling from Wakefield and Associates. Please contact me or any of our representatives at XXXX.
I called back the same day to request the physical mailing address for Wakefield and Associates so I could send a letter requesting debt verification. The representative with whom I spoke was unwilling or unable to assist with debt verification over the phone.
Several times the representative was aggressive with me over the phone, attempting to confirm my personal details so he could move forward with their collection process. I asked what information they had on file about the supposed debt, and I was told that he wasn't able to provide that information without first verifying my identity and personal information.
When I asked for their company 's mailing address, the representative was rude and dismissive. He also kept pushing me for my personal contact details even after I declined to provide that. After asking 3 times for their mailing address, I finally got this information : XXXX XXXX XXXX, XXXX, TN XXXX.
I wrote a letter and sent it via certified mail with USPS on XX/XX/2023. The return certificate was delivered to me on/around XX/XX/XXXX. And it had a notation that the city was supposed to be XXXX, TN. So, not only was it difficult to get a physical mailing address, the representative I spoke with on XX/XX/XXXX provided incorrect information, resulting in a delivery delay.
Since I mailed the letter on XX/XX/XXXX, I have not received ANYTHING in writing validating the supposed medical debt from Wakefield and Associates. Nor do I have any information as to how I ended up on their call list.
I have received additional calls on the following dates asking me to call them back at XXXX : XXXX ) XX/XX/2023, at XXXX XXXX ; XXXX ) XX/XX/XXXX, around XXXX XXXX
Wakefield and Associates ' continued harassment and lack of response are not only inappropriate, but it is also unwarranted since they are unable and unwilling to provide any verification of this supposed medical debt.
|
| 11/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I made contact with this furnishing agency and I was notified that they have no file of my social security number on file no account with my information at all I gave them a call both disclosing the same information.
On my consumer credit report Wakefield and associates has furnished this information without my consent and contract that me the consumer did under Any rightful contract of my knowledge also reporting them with a major agencies I have a collection that is reporting negatively, with limit of which is considered a charge of, please help me with this matter and remove this account immediately due with consideration this CFPB account number is my filing claim and I have done several disputes in. Violation that XXXX XXXX has committed according to FDCPA, FCRA of 1970,15 USC 1692 ( e ) 15USC 1681 several regulations have been acted in violating my rights and requirements of these organizations and I would like to deeply send in dispute for REMOVAL of this account and investigation to seek remedy for all violations and regulations committed on both state and federal level with my residing state in SC by this agency showing dishonor I would like to execute seeking ramifications for the following several VIOLATIONS and dishonorable federal regulations committed against me and my livelihood and my ability to live in in functional formality and be productive. With the credit system that had specifically been designed to protect and benefit the daily lives of consumers, section 623 of the FCRA. Under the Cares Act. Effective immensely 15 USC 1640 due to the unlawful and inaccurate reporting for each Violation I seek XXXX dollars EACH In total for defamation of character and inaccuracy this charge has effected me and my ability to purchase a home a vehicle, extend credit to myself that I'm entitled to according ECOA CFR 1002.7 I would like to in good faith Seek remedy from this dispute in form of cashier check pay to order of XXXX XXXX XXXX Contact information Email XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary
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| 07/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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The date of service was XX/XX/2022 place of service - XXXX XXXX XXXX physician - XXXX XXXXXXXX XXXX XXXXXXXX practitioner - XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX XXXX charges {$680.00} According to my insurance provider XXXX, the bill was paid in full. I owed XXXX XXXX
they called and confirmed this now XXXX in XXXX of last year, in XXXX of last year they were told other charges were added and that was what I owed, my insurance provider requested a new bill be sent to them with all the addendums on it and they would take care of it. then today XXXX I received a collections bill from a collections company and this is now affecting my credit.
Today they said they were missing information and would only deal with me when my insurance company called. I told them they should be dealing with the insurance company that was on the line, not myself. They said the insurance company pulled the paid {$680.00} back after the request for the new bill, which is why I was being charged today.
The insurance company never received a new bill as requested the last two times when they spoke with a representative of this agency. They were still waiting for the bill with addendums so they could pay it when I received the same original bill again but now in collections.
The billing company for this doctor said they said they would fix the bill and resend it to my insurance company just like the last 2x but could not take me out of collections they could only put a hold on it till it was resolved. I requested they take me out of collections because my insurance already paid this once and two the next part of this has nothing to do with me and this needs to be done the proper way through my insurance provider who paid in full the first time that they tried to double bill me. they refused and said they would talk to my insurance co and resend the bill and hung up.
My insurance provider XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
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| 12/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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On XX/XX/2022, I spoke with XXXX XXXX of XXXXXXXX XXXX XXXXXXXX about paying off my balance of {$690.00} ( {$680.00} from my XXXX bill plus interest ).
I do not know why I was even sent to this collections agency. I paid every medical bill I ever received. They said I had been sent to them by " Pinnacle XXXX XXXX, LLC, '' a group of ER physicians that I had never heard of or received a bill from. Not knowing what else to do, and being told by in an earlier call that my credit was going to be damaged, I decided to trust their legitimacy and pay the balance.
XXXX told me that if I paid it all that day, I would receive a 25 % discount. I accepted, and I made a payment of {$510.00} ( auth # XXXX ).
In XXXX, I was surprised to receive a bill for {$170.00}, but when I called, I was told that the balance would be adjusted off due to my payoff the month before and to disregard the bill. Over the next 8 months, I received regular phone calls from XXXXXXXX XXXX XXXXXXXX, some in person, some automated, telling me that I had a debt that needed to be collected. My extensive XXXX treatments have strongly affected my memory, and I didn't remember dealing with them. I asked that they send me a paper bill and a record of the services I had received each time they spoke to me. They never did.
Finally, in XXXX of 2022, I received a notice stating that I had been unreachable by phone and threatening that they would soon " have no choice but to proceed with further collection activity. '' This bill showed a balance of {$170.00}. I immediately called, and on XX/XX/2022, I spoke with XXXX XXXX, who assured me that if I made a payment of {$170.00}, it would resolve my balance and close my account with them forever. I made the payment.
Later that same month, I received another bill with a balance of {$.00}. I called them on XX/XX/2022 and spoke with XXXX XXXX, who told me that the {$.00} would be adjusted off and to disregard the bill. That was the most recent interaction.
|
| 12/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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On XX/XX/2022, I spoke with XXXX XXXX of Wakefield and Associates about paying off my balance of {$690.00} ( {$680.00} from my XXXX bill plus interest ).
I do not know why I was even sent to this collections agency. I paid every medical bill I ever received. They said I had been sent to them by " XXXX XXXX XXXX, XXXX, '' a group of XXXXXXXX XXXX that I had never heard of or received a bill from. Not knowing what else to do, and being told by in an earlier call that my credit was going to be damaged, I decided to trust their legitimacy and pay the balance.
XXXX told me that if I paid it all that day, I would receive a 25 % discount. I accepted, and I made a payment of {$510.00} ( auth # XXXX ).
In XXXX, I was surprised to receive a bill for {$170.00}, but when I called, I was told that the balance would be adjusted off due to my payoff the month before and to disregard the bill. Over the next 8 months, I received regular phone calls from Wakefield and Associates, some in person, some automated, telling me that I had a debt that needed to be collected. My extensive XXXX treatments have strongly affected my XXXX, and I didn't remember dealing with them. I asked that they send me a paper bill and a record of the services I had received each time they spoke to me. They never did.
Finally, in XXXX of XXXX XXXX received a notice stating that I had been unreachable by phone and threatening that they would soon " have no choice but to proceed with further collection activity. '' This bill showed a balance of {$170.00}. I immediately called, and on XX/XX/2022, I spoke with XXXX XXXX, who assured me that if I made a payment of {$170.00}, it would resolve my balance and close my account with them forever. I made the payment.
Later that same month, I received another bill with a balance of {$.00}. I called them on XX/XX/2022 and spoke with XXXX XXXX, who told me that the {$.00} would be adjusted off and to disregard the bill. That was the most recent interaction.
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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On XXXX XXXX I sent a letter to collection agency Wakefield & Associates. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.
|
| 03/27/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have reconstructed events and discovered triple-billing, insurance fraud, elder fraud, and XXXX fraud by XXXX XXXX XXXX XXXX ( And possibly XXXX XXXX and Wakefield and Associates. ) See attached. This is more complete information and supersedes complaint XXXX and XXXX. XXXX XXXX billed XXXX XXXX the full amount of the ambulance bill, of {$940.00}. XXXX paid according to its structure on XX/XX/2023. ( See claim XXXX attached. ) XXXX XXXX then billed me for the copay of {$270.00}. I applied for its financial aid to cover the copay. ( Have my copy of the documents sent, dated XX/XX/2023. ) XXXX XXXX did not bill me further for the copay. Several months later, approximately XXXX, XXXX XXXX harassed me by phone for more bank statements " because we couldn't read them ''. It demanded more statements and demanded that they include every transaction. I have applied for financial aid from housing, food stamps, colleges, hospitals, and utility assistance for XXXX years, and NONE of them ever demanded every transaction, but merely documentation of income and account balances. ( Which I had sent. ) I didn't send them, and XXXX XXXX did not bill me further for my copay. Apparently XXXX XXXX also double-billed the full bill it had sent to XXXX XXXX XXXX for that is the amount the wakefield and Associat4es collection letter dated XX/XX/2023 says " amount you originally owed : {$940.00} ''. This is fraudulent on the part of XXXX XXXX XXXX : ( XXXX ) I never " originally owed '' the full amount ; ( XXXX ) it billed XXXX XXXX for that amount ; ( XXXX ) it then billed that amount by sending/selling it to a collection agency. This is insurance fraud, double billing, triple-billing counting Regence, collection and the copay ( though I got charity care with some harassment for more bank statements ) ; elder fraud, and XXXX fraud . XXXX XXXX, and then Wakefield, both in the same building, took part in this triple-billing fraud.
|
| 05/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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|
To Whom It May Concern, I never received a bill from you on and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt that you are inaccurately reporting without my consent to the credit reporting agencies.
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Wakefield & Associates for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA.
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Thank you XXXX XXXX
|
| 01/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
|
WAKEFIELD & ASSOCIATES ACCOUNT # XXXX They have continuously harassed me regarding a fake debt owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. by email, telephone and text. The supposed debt they are attempting to collect is, in my less than humble opinion, a classic case of potential XXXX fraud. As such, I have contacted XXXX XXXX XXXX Department, the XXXX XXXX XXXX XXXX, and the XXXX.
On XX/XX/2022, I visited the emergency room of XXXX XXXX XXXX XXXX and was seen by the ER nurse which resulted in a XXXX billing of {$1900.00}, in two parts of {$1900.00} and {$70.00}. The bill was paid in full by XXXX and my supplemental insurance carrier, XXXXXXXX XXXX XXXXXXXX, in accordance with negotiated payment guidelines.
Now, XXXX is attempting to collect the XXXX billing a second time but in a total amount of {$1900.00}. Duplicate billings of this nature constitute possible XXXX fraud - period!
I have spoken to XXXX who appears, at least to me, to delight in their juvenile attempt at fraud. While Wakefield & Associates may be an innocent bystander in possible attempted fraud, an additional billing for the same service provided only once is still possible fraud.
The proof of payment is attached and shown on page 3 of 6 of the Explanation of Benefits taken directly from XXXX website.
I am successfully retired as a XXXX XXXX XXXX and not an uneducated village XXXX. I understand XXXX XXXX and XXXX extremely well. I have a current XXXX credit score of XXXX out of a maximum possible score of XXXX. So trust me when I say that any further collection of a fraudulent billing by either XXXX or Wakefield & Associates or fraudulent entries to any of the three major credit bureaus will be met with a personal and professional injury lawsuit which I am more than capable of affording.
XXXX should be prosecuted for attempting to participate in possible XXXX fraud.
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX has violated my rights.
15 USC 1681 section 602 A states I have the right to privacy.
15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions.
Also please be advised that under Federal Statues, The Fair Reporting Act ( 15 USC 1681 et seg ), my consumer credit statutes, and subtitles D of the ARRA, section 13401. Application of security provisions and penalties to business associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY.
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual you may be held liable for the actions of XXXX XXXX. Please note that these liabilities are under the penalties of the Omnibus Finale Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX.
HIPPA and North Carolina 's medical privacy statutes and the penalty provisions of the ARRA section D, privacy provisions of the ( HITECH ) Act as issued XX/XX/XXXX and the Omnibus Finale Rules effective XX/XX/XXXX and the Fact Act Final Rules effective XX/XX/XXXX, are in effect in this situation.
The privacy act prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
|
| 09/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I reached out to Choice Recovery IncXXXX in XX/XX/2023 after finding a medical debt that has a balanced owed under {$500.00} with an account # XXXX listed on my consumer report. The mail was returned undeliverable although it is the address listed on my consumer reports. When I went to verify the address for Choice Recovery on my credit report, I pulled a new copy of my credit report to find that the same account XXXX XXXX was now being reported and collected on by Wakefield & Associates. I reached out to Wakefield & Associates requesting a debt validation because I was never notified prior to them parking this alleged debt on my consumer report and also this alleged debt is a medical debt with a balance owed under {$500.00} and should not be reflecting on my consumer report due to the Medical Debt Rule that clearly states that UNPAID MEDICAL DEBT with a balance due BELOW {$500.00} SHOULD NOT BE REPORTED TO THE CREDIT REPORTING AGENCIES. I received a response from Wakefield & Associates claiming debt was verified by XXXX XXXX but I do not recall provided them with permission to disclose my personal NON PUBLIC private information with Wakefield & Associates or anyone connected with this company. Wakefield & Associates did not provide me with any disclosure or HIPAA authorization to show otherwise. My privacy and HIPAA rights have been violated. My personal NON-PUBLIC information was provided to this company, and they refuse to provide me with proof on how they received my information and how they have the right collect. I sent a letter to them via certified mail on XXXX and they have not repsonded.This company is willfully violation my rights and federal, state, privacy and HIPAA laws.
|
| 01/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Wakefield and associates is trying to collect on a debt in which I don't owe they're trying to collect on three medical bills one with XXXX XXXX and the other with XXXX XXXX.I had XXXX and it was extreme, I was in the ICU on XXXX XXXX XXXX XXXX and had XXXX XXXXXXXX XXXX XXXX XXXX. I literally had to call and say XXXX XXXX XXXX XXXX, XXXX XXXX XXXX but was out of work for 7 months I had insurance when I was in the hospital for what XXXX is trying to bill me for. XXXX never sent me one single Bill until I was out of the hospital for over a year that was the first I heard of it. Within only 2 weeks of receiving the letter in the mail they had already sold my debt off to Wakefield and associates, Wakefield and associates already had a debt of mind from XXXX XXXX which I do not refute. My problem is with the debt 's that they're trying to collect from XXXX. Not only at the time was the cares act in place but I had insurance, myself and my wife both told XXXX to Bill our insurance company, my insurance company covered tens of thousands of dollars in my bills while I was in the ICU, these bills are no different they are from XXXX and should have been billed to my insurance why they were billed to me and brought to my attention so late I have no idea, but I do not owe these. aWakefield and associates is just harassing me for a debt in which I don't owe, it's bad enough I had XXXX XXXX XXXX XXXX I was off work for 7 months, and I'm still sick and in and out of the doctor 's office and the hospital because of effects that XXXX has caused to my XXXX, please hold Wakefield associates accountable and make them stop harassing me and delete my debt for XXXX XXXX I do not owe it.
|
| 05/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Wakefield & Associates has attempted to collect a medical debt on behalf of XXXX.
Wakefield & Associates did not do their due diligence in finding my residence to submit their debt verification to me, or attempt to collect the debt. The address they sent debt collection correspondence to was a residence not occupied by me or anyone from my family for over 4 years prior to the debt incurred. I have public records showing clearly my current address, and this address was indeed used by Wakefield & Associates to serve me Court Summons paperwork.
Wakefield & Associates also encouraged me on the phone to not file an Answer in response to the Court Summons and instead pay them directly using their online portal. They indicated going through the Court would likely end up in additional fees incurred by me and added to my debt balance, and lengthen the process.
Furthermore, Wakefield & Associates is adding interest and collection fees, as well as court processing fees to my debt balance. Rule 2.03 on Colorado Fair Debt Collection law states you can not charge me costs of collection. The Colorado FDCPA prohibits the debt collector from collecting additional amounts beyond what the credit agreement expressly authorizes. AND, under the FDCPA, debt collectors cant attempt to collect interest or fees over the amount you owe, except in cases where the contract that created your debt or state law allows it. Wakefield has not presented any documentation to prove they are legally allowed to charge me interest & fees on my debt balance. There is no debt contract provided to substantiate they are legally permitted to charge me anything over the principal amount of the debt.
|
| 03/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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In XX/XX/XXXX, I received a phone call from Wakefield Collections. I was told I owed a debt for two Dr visits in XX/XX/XXXX. I told the representative I didn't know what they were talking about and asked for them to send me proof. I was informed they don't send info, I'd have to send an email and request proof. I was given an email address and sent email. I never received a response.
In XX/XX/XXXX, I received a call from Wakefield. I was told I owed a debt, knew I owed a debt and was just refusing to pay. I told representative I wasn't going to pay a debt that I didn't know anything about and I had requested information in XXXX. Representative told me, we will get the money from you, you don't have to pay, but we will get the money. I told Representative I will not pay a debt that I know nothing about and with no proof. Representative told me it was mine and why would he lie? I told him he'd lie because he wanted money. I told him I was asking for proof and if they didn't send proof, it's not really my debt. Representative told me they didn't need to send me any proof, it was my debt and I needed to pay. I told representative, send me proof I owe debt and I'll pay minus interest and fees.
The dates for service coincide with dates I went to XXXX, but I was on a payment plan with hospital and was told everything I owed was in payment plan. I went to XXXX in JXX/XX/XXXX. I never received any bills for Drs and never heard anything about owing money until Wakefield called me in XX/XX/XXXX.
I filed a complaint with my State 's Attorney General. Heard back today and they closed the case.
|
| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Concerns Wakefield LLC XXXX XXXX XXXX XXXX, TN XXXX They did not my respond to any of my letters ( 3 ) and do not respect my FDCPA rights!
Below you will find a copy of my letter dated XX/XX/XXXX, ( send by XXXX ) which speaks for itself. Sincerely yours.
References : XXXX & XXXX To Whom It May Concern, Despite my letters to dispute any debt with your agency, dated XX/XX/XXXX & XX/XX/XXXX, see attachments, you did not respect my rights according to the Fair Debt Collection Practices Act ( FDCPA ). I am unaware of the creditor XXXX XXXX XXXX.
At this time, I demand to cease any credit bureau reporting.
Please send this information to my address listed above and accept this letter, as my formal debt validation request, which I am allowed under FDCPA. Please note that withholding the information you have received from the supposed creditor can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you have received from the creditor in connection with this alleged debt.
Furthermore, continued attempts to collect on this debt or report this debt to the credit bureaus, until providing said information above is also a violation of the FDCPA in which I will hold you and XXXX XXXX XXXX responsible.
I will also file complaints about your company at the XXXX XXXX XXXX, the Attorney Generals Office and/or the Florida Office of Financial Regulations and/or the Consumer Finance Protection Bureau .
Sincerely, All rights reserved.
I took out my name here Attached : Copy letter XX/XX/XXXX Copy letter XX/XX/XXXX XXXX
|
| 10/10/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if all derogatory remarks are not removed from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
|
| 03/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/2023 Wakefield And Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX To Whom It May Concern, I am writing this letter in response to the recent credit report I received that shows a debt allegedly owed to your company. I am requesting that you provide me with all legal documents that prove the validity of the debt in question.
As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it.
Under the Fair Credit Reporting Act, I have the right to request validation of the debt before it is reported on my credit report. Therefore, I am requesting that Wakefield And Associates provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and I am requesting the immediate removal of this debt from my credit report.
I appreciate your prompt attention to this matter and look forward to receiving the requested documentation.
Sincerely, XXXX XXXX
|
| 08/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a text message. I contacted the company. The lady on the first told me it was for a date of service in XXXX. Then told me it was for a date of service of XXXX. The statute of limitations for medical debt in XXXX is XXXX years. When I told her that, she told me that I had other dates of service up to XXXX and insisted that I make a payment to take care of this debt. I refused.
In addition to this, the only communication I received was a text message stating to contact them for important information. There was no communication saying that I could dispute the debt and all of my attempts to do so via phone were met with I understand, but you owe this money. When I told her that I wanted to verify with my EOBs and the company who supposedly sold the debt to them, she said that I should go ahead and take care of it today so that I dont have to worry about it anymore.
If it is my right to dispute the debt, then I should be given time to look into it. The first time I heard from this company was with the text message and then the subsequent phone call that I feel I was tricked into making from the text message.
I attached the screenshot of the text message. This is the only communication I received about this debt prior to the phone call. It should be noted that at the end of the call, she wouldnt let me off the phone before she verified my address and phone number. I dont know if this is allowed either, but I wanted to note it in case.
The lady was very aggressive about collecting the payment without me being able to verify the debt.
|
| 03/08/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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The company says own the XXXX dollars. When I have had healthcare insurance the whole time. They never informed of the 6 other bills they take on. So I went for XXXX to over XXXX dollars 3 years. No one informed I own anyone anything until I look at my credit score to find these bills. So how do they expect me to paid them? They only reason I got this sent to me bc I reported on them on my credit. This is not correct way to do business. I pay my debts if I am told about them. But I dont know what is real or fake bill with them. They are charging me 10 interest on 6 of the bill they never informed me of. It looks they just try to damage my credit score with this bull. They never let me dispute or show them I had insurance. I did have insurance this whole time. no XXXX XXXX XXXX XXXX never told me about these bill either. So really hard for me to believe. One of is local radiology that my dad paid off bc we. XXXX we got a bill and we paid. If I dont get bill or proof that paying off that bill its hard for me to paid this company. Attached there proof to this which does not prove the debt to bc I have itemized state of each bill and they dont have that. XXXX to just see a doctor is stupid high if that all I am see as there items of charge. Im sorry I never see a er doctor for more 15 mins anytime I have been there. Average pay rate of a doctor in the XXXX is XXXX in tn and says he all dealt with my situation for 30 mins that XXXX and went 6 times accord to them XXXX should be the total amount on the debt with no insurance.
|
| 06/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XXXX, I received via US Mail a letter from Wakefield and Associates, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX stating they are a debt collector trying to collect a debt that I owe to XXXX XXXX XXXX, XXXX. The phone number for Wakefield and Associates, LLC is XXXX Monday-Friday XXXX XXXX Saturday www.wakeassoc.com They stated the account # with XXXX XXXX XXXX, XXXX is : XXXX and stated as of XXXX the amount owed is {$12.00}. They stated they charged {$2.00} in interest and the debt due is {$15.00}. They stated the Reference No. is : XXXX XX/XX/XXXX.
They said to call or write by XX/XX/XXXX to dispute the debt and if no call or written communication is received, they will consider the debt is correct.
It says to write by XX/XX/XXXX, and request the name and address of the original creditor, if different from the current creditor. It states if written communication is received by XXXX, they will stop collection until that information is sent to me.
I have never heard of XXXX XXXX XXXX, XXXX nor do I know anything about a debt from XXXX for {$12.00}. This is the first and only communication I have received from Wakefield and Associates, LLC regarding said debt. I have never heard of Wakefield and Associates, LLC until I received their letter today, XXXX.
I completely dispute any debt of any kind to XXXX XXXX XXXX, XXXX, I have never heard of them nor have I ever heard of Wakefield and Associates, LLC nor have I ever had any dealings with either of these companies.
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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On XX/XX/2023, I submitted complaint number XXXX involving Choice Recovery aka Wakefield & Associates XXXX I received an email from CFPB on XX/XX/2023, stating the company has yet to respond to my complaint. On XX/XX/2023, I received an additional email stating that the company this now investigating my complaint and I should have the issue resolved within 60 days from my original complaint which was XX/XX/2023. On XX/XX/2023, I received a notification that Wakefield & Associates had yet again reported a derogatory mark on my credit reports. Then shortly after I received a letter in the mail requesting me to settle with them.
My question is if this account was being investigated why and how could the company still destroy my credit and then try to get me to send them money? What part of the investigation is this? The company never addressed the issue at hand about violating my rights. Under { 15U.S.C. 1681e } Nor was the issue addressed regarding the company adding additional fees to the balance. In order for fees to be assessed the company must receive permission from the courts to do so. The company has exceeded the allotted time to respond. Which is 60 days from the filing of my original complaint. Meanwhile, I'm unable to receive approval for a mortgage because this has been lingering for two months. How can this be? CFPB is here to protect consumers from these deceptive practices. This is a XXXX of injustice to further allow this company to violate these laws.
|
| 10/19/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Wakefield & Associates mailed me a letter stating that they are a collection agency looking to collect a debt for a third party. They also stated in the letter if I dispute the debt they must stop collection on any amount I dispute until they send me more information. I sent 2 letters, one with a stamp ( XXXX XXXX ) and one certified ( XX/XX/XXXX). Attached is the certified letter return receipt. I mailed this dispute off XX/XX/ and I have proof with this return address receipt & tracking number stating they received my dispute letter, but claim they have not. However, according to the XXXX tracking history, tracking number : XXXX the letter was signed for and picked up at the post office XX/XX/. I have not received any response and therefore as stated in the original letter Wakefield sent me, they must stop collection on the debt until they send me more information. However, XXXX XXXX I was notified that Wakefield put a collection on my credit report, and I'm very frustrated. I complied with the letter request and my credit profile should not be compromised because of the mishandling of my dispute letter by Wakefield. I called and spoke with several Wakefield representatives and none of them was of help, all saying my letter was not on file, and had no knowledge of this being in dispute. However, on my credit report it says account information disputed by the consumer meets FCRA requirements.
I would like this collection removed immediately.
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
In XXXX, I received a notification from my credit monitoring app indicating the closure of a credit card account due to my low credit score. Upon reviewing my credit report, I discovered a substantial drop in my credit score and an unfamiliar account in collections. The collection agency involved is WAKEFIELD AND ASSOCIATES, INC, acting on behalf of XXXX XXXX XXXX XXXX. WAKEFIELD AND ASSOCIATES XXXX INC was assigned the account on XX/XX/XXXX, and the Date of First Delinquency is XX/XX/XXXX.
Despite making several attempts to reach out to XXXX XXXXXXXX XXXX XXXX, I have not received any response. At the time of the alleged incident and currently, I possess health insurance to cover any emergency care expenses. I have no recollection of receiving a bill from XXXX XXXX XXXX XXXX, nor do I recall receiving treatment at an emergency room affiliated with them. Even if I had used their services, my insurance would have covered all relevant expenses.
To address this issue, I sought legal advice and had a letter requesting debt verification drafted by my attorney. This letter was mailed on XX/XX/XXXX. Unfortunately, I have not received any communication from either XXXX XXXXXXXX XXXX XXXX or WAKEFIELD AND ASSOCIATES, INC, despite more than 30 days elapsing since the letter was mailed. However, my credit reports now indicate that the debt is in dispute and meets FCRA requirements, indicating that the letter was received.
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX in writing to furnish this report and never consented to this report on my credit file by : Account info Account name WAKEFIELD & ASSOCIATES I Also known as WAKEFIELD & ASSOCIATES Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 230 past due as of XXXX XXXX as well as XXXX XXXX XXXX XXXX : Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XXXX XXXX.
Status updated XX/XX/XXXX XXXX {$210.00} Balance updated XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX could report this and XXXX never had my permission and stole my identity to report on my behalf.
|
| 12/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Today, I noticed my credit was hit. I called up the debt collection agency, Wakefield and Associates ( phone number XXXX ) and they said that XXXX XXXX was collecting a debt for {$2900.00} for an XXXX visit to XXXX XXXX. I called up the XXXX XXXX billing department ( phone number XXXX - XXXX ) and they looked through their billing system and could not find any bills owed. They transferred me to their physician billing department and they could not find an account with my info in their system. I called back Wakefield and Associates, this time they gave me another source of where the debt was coming from called XXXX XXXX with the account number XXXX. I did a quick XXXX search of XXXX XXXX and there are many complaints about how a company under that name was trying to collect a debt that was not owed or already paid. I am so frustrated. We should not have any medical debt to begin with. We have been on XXXX for the last year and should not owe a balance. This debt was specifically for my son who was born with XXXX XXXX and was covered automatically by XXXX from birth anyways. If it helps out, I have my son 's medical insurance and ID number and the phone number to his plan. It is XXXX XXXX, the phone number is XXXX, and his ID number is XXXX. My son passed away last year from this hospital visit and I am just so upset that I am being preyed on for a debt I do not owe.
|
| 07/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Today I looked at my consumer report and seen some items rom who I do not know. WAKEFIELD & ASSOCIATES are on my XXXX and XXXX 4 times. According to federal laws I have never received any written communication from this debt collector. The account they have listed are security accounts in which I most definitely have zero knowledge of. Wakefield & associates stole my identity from XXXX XXXX XXXX, XXXX XXXX XXXX, and two accounts from a company called XXXX XXXX XXXX XXXX XXXX XXXX which is permanently closed according to XXXX. I have never dealt with any of these companies I have never given any of them my signature or even have i ever went into any contracts with these companies and the companies that wakefield & associates have bought my identity from I have never even given it to them. Stealing identity is a federal crime per 18 usc 1028 and according to the privacy act of 1974 this should have never happened. They never contacted me concerning either of these companies neither have any of the companies contacted me. This is pure fraud that needs to be fixed. per 17 cfr 248.124 I opt out of any of these companies reporting to my consumer report. You are not allowed to even place an alleged debt on someone consumer report without prior written permission I never received any notifcation of attempting to collect an alleged debt. This is total fraud
|
| 05/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Wakefield and Associates LLC on XX/XX/XXXX identifying themselves as a collections agency and stating I owed a balance of {$10000.00}. I sent them a certified letter on XX/XX/XXXX asking to identify the original creditor and a copy of the original written agreement that stated this balance was owed by me. I received on XX/XX/XXXX 15 pages, including an " Account Detail '' that only listed dates and balance owed and all these service dates were listed XXXX XXXX as the original creditor. The rest of the pages each listed all of my personal information such as name, date of XXXX, social security number, address, phone number, and place of employment along with a " date of service '' and again a balance due. I did not receive any copy of the agreement with Wakefield and Associates nor XXXX XXXX in this package. I then sent out another certified letter to Wakefield and Associates on XX/XX/XXXX, once again asking for any copy of the agreement with either their collection agency or XXXX XXXX a breakdown of supposed medical charges and collections costs, as well as a copy of my signature with said provider to release my medical information to Wakefield and Associated. It has been well over 30 days and I have yet to receive any of this information or any communications from Wakefield and Associates LLC since sending out this letter.
|
| 03/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
In the past 2 and a half months I have received numerous phone calls and two letters from Wakefield and Associates debt collection agency stating that I need to send them {$3800.00} for a debt owed to a company named, XXXX XXXX XXXX, XXXX. They request funds be sent via check, money order, credit card, or bank draft.
I do not have any debt, and have never heard of either of these companies. The last loan I took out was in XXXX for a student loan. That was paid in full 45 years ago.
I obtained credit reports from three reporting agencies and there is no debt listed on any of them.
I am attaching two letters received from Wakefield Associates. The first letter is dated XX/XX/XXXX and the second letter is dated XX/XX/XXXX.
On XXXX, XXXX, I sent a letter to Wakefield and Associates refuting any debt and informing them that I believe this is an attempt at identity theft or a scam. As of today, they have not responded.
Starting last week, I began receiving calls from a number identified as XXXX XXXX. I have not answered any of the calls and have blocked whatever number they call from. The number keeps changing but the Caller ID says XXXX XXXX. I looked them up online and they are another debt collection agency. I am XXXX years old and believe this is all an effort to get my personal identification.
|
| 02/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX Credit reporting Agencie is reporting false and inaccurate information on my credit report I have reached out to them about this matter this medical debt collection that is appearing on my credit is inaccurate reporting. Wakefield and Associates in the amount XXXX. I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have uploading documents on line on the website and unsuccessful also website is giving a Stange Error the account that is being reported on my account is a Violation of HIPPA and a complaint Has also been Filed and also a complaint has been filed with the Attorney General in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with accounts. If this Account is not removed from my consumer report within 30 days a Law suite will be filed against the two parties Wakefield and Associates and XXXX
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
As a retired XXXX XXXX, I receive credit monitoring services. In XX/XX/XXXX, XXXX emailed me an alert that their activity in my name and I should access their website. Website identified that collection agency Wakefield and Associates ( XXXX ) XXXX was trying to collect {$410.00}. I contacted XXXX XXXX XXXX who notified the credit bureaus and put me in contact with a Restoration Specialist. ( RS ) Case XXXX ( XXXX ) XXXX ext XXXX who advised I make a police report and other steps I should take. The RS was able to provide a phone number for Wakefield. Police were contacted. I called Wakefield who identified the initiator of the Collection action as XXXX XXXX for services supposedly provided in XX/XX/XXXX. I contacted my XXXX XXXX provider XXXX XXXX ( XXXX ) XXXX. To our knowledge, all received bills have been paid. My phone number is the same. I did not move until XX/XX/XXXX so I was available to contact. To date, XXXX XXXX ( XXXX ) XXXX has not responded to calls from me or my dental provider. No police report was generated as this does not appear to be Identity Theft. I received an email alert from XXXX XXXX XXXX titled Derogatory Comment on XX/XX/XXXX. I submitted report XXXX to the XXXX XXXX XXXX on XX/XX/XXXX. I am submitting this report to the CFPB on the advice of the XXXX XXXX
|
| 08/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Older American |
|
Dear, CFPB, Madam/ Sir : On or about one month ago on, XX/XX/XXXX. I received, a call from a debt collector regarding the amount of, XXXX. I call the debt collector and I spoke with him, and explain to him that the debt was not mine and did not belong to me. He started to abuse his language and he also thretening me, and harrass me that if i did not pay the unknown debt. He will sue me and he told me also that the money had to be paid in 72 HRS. I told him in our telephone conversation on XX/XX/XXXX. Sir this debt its not mine and does not belongs to me. I also told him NOT TO CONTACT ME NO MORE. That he was braking my consumer rights and also he was braking Federal Laws. I also told him on our telephone conversation to STOP calling me. Good bye and have a nice day. On XX/XX/XXXX. He call me again and told me that he made a mistake that it was not, {$1500.00}. However he told me that it was, {$20.00}. I told him to write me a letter of notification. On XX/XX/XXXX I received the letter stating that I owe a XXXX {$20.00}. Please note that my insurance company Paid, {$80.00}, and I paid the {$20.00} cash to the secretary of XXXX XXXXXXXX XXXX This bill was from XX/XX/XXXX, and my insurance company paid on, XX/XX/XXXX. Thank you very much. Respectfully yours. XXXX
|
| 02/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have tried to contact the collector over the last several days to have items removed from my report that are not mine. The company is not licensed in the state of florida and will not remove items that are not mine, I was told they bought out a company and obtained the debt from them even though those debts were removed by the old company from my report.
this is the email is ent this morninhg they refused to send me there lincese and legal department names ... .....
Please be advised that the following debts do not belong to XXXX XXXX. See attached Documents. We have several times called emailed and mailed over the last few weeks with no response by anyone to resolve.
Today we copy the CFPB, FTC and our lawyers to come after you for {$1000.00} per debt that you wrongful and illegally placed on our credit reports.
They are to be removed at once, Attached is the licensing agreements with the XXXX which you are not licensed to collect debts in the sate of Florida, If this is a valid debt the following must be provided 1.the original WET signature on any contract 2.The original Creditor information 3.Payment and billing history 4.Proof of ownership and authorizing for the debt These are not my debts attached i never seen these people they must be removed
|
| 04/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I sent my letter off XX/XX/2023 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also filed an FTC report the number is XXXX.
According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also every piece of information on these are still accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies.
I have called Wakefield personally several times and the one representative told me to stop watching XXXX. I have sent letters and made calls to all three bureaus. This is preventing me from moving forward. As you see this is the only negative on my account. Please help me to get this removed.
|
| 08/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have received a debt collection, that was sent to the wrong address. The letter is dated XX/XX/2023, was sent to south dakota, however, I am a military member with the XXXX XXXX working in california. I do not have the 30 days to respond, because there response time line is XX/XX/XXXX.
The account number is XXXX, through wakefield and associates. The disputing party is XXXX XXXX, California. I do not recoginze that name. I do not have proof of the debt, and if its what I assume to be a medical bill collection through XXXX XXXX XXXX XXXX ; that debt is a workers compensation claim that I have already attempted to settle through my employer, but they fail to send payment. Otherwise, I am not responsible for this debt, and Wakefield and associates needs to cease and decist, contact the appropriate parties for the collection of any medical payments. This is the second time and I am being harrassed for an obligation that I am not responsible for.
Also, I tried calling wakefield and associates, but the refuse to answer the phone. I have left two messages. I also attempted to communicate via their chatbot, attempted to enter my account number, but the XXXX digit entry box will not accept XXXX, which is the account number on their notice.
|
| 04/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Wakefield and Associates ... And...
XXXX XXXX XXXX, XXXX These XXXX companies work together to collect payment for debts not owed. I paid XXXX not realizing until later it was not actually owed by my XXXX XXXX XXXX daughter, and are trying to get another one paid using XXXX as the creditor, however, they will not release the name original debt or why it went to collection without me getting a first bill. My child is not responsible for herself or her own debts and has signed nothing claiming to be. She is insured, and had a second insurance to cover all copays at the time. We are current patients of all doctors and hospitals we use. NONE of them have contacted me with an unpaid bill. I want them to stop contacting me, or my child that lives at home. They are a nasty company that bilked {$900.00} out of my mom, who has XXXX, for an XXXX XXXX that was covered by her insurance, and the aXXXX XXXX wrote off the copay already that Medicaid didn't cover. I feel these people get their accounts from Medicaid write offs, as I've not experienced them outside of a medicaid co-pay issue that was settled without going to collection. THEY ARE A SCAM. They are rude, they don't need people 's private information. How they legally operate is beyond me.
|
| 07/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Back in XXXX of 2019 ( I believe ) I went to the XXXX XXXX hospital for XXXX XXXX Was in the ER for a few hours, they ran tests and found I had XXXX XXXX. At the time they had no rooms available, and they wanted to transfer me to a neighboring hospital via ambulance. My husband told them ambulance wasn't necessary and that he 'd drive me. Hospital insisted they needed to drive me. I told them I couldn't afford extra charges.
Ambulance took me to XXXX XXXX XXXX XXXX ( it took less than 5 minutes via ambulance ). I was transferred to another ER at XXXX XXXX XXXX, they had no rooms available either, so I told hospital I was going home.
It was ridiculous that they transferred me via ambulance from one hospital to another only to end up at another ER. I was worried about all the extra charges for ambulance, so I had them discharge me right away. The said bill is the result of the ambulance driving me Literally across the street for no more than 5 minutes! I told them I was going to be driven, and they told me no. I disputed this with them years back and thought it was settled.
IT is NOT right that something like this goes into your credit report and brings down your score. Please help me remove it. Wakefield and Associates for {$900.00}
|
| 12/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that the information being provide on my credit report is wrong. I did not recieve any XXXX XXXX and medical bill/charges that have ever been billed were covered by my ex-spouse 's medical coverage as well as state health care coverage. And I would like to note that I am being put in collection under false pretenses in the year XXXX for my child 's medical bill who I do not have custody of as he has been in his father 's care the entire XX/XX/XXXX year and has him under his medical insurance which he is covered through with the federal government and my ex-husband is responsible for any outstanding balances in regards to that. I also contacted the collection agency on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I was told that they could not verify my information thus could not provide me any details with that said then why do they have my information and negatively reporting information that I owe them. I would also like to note that I have had continued issue with identity theft since XXXX as well as my ex running up my credit without my knowledge as he took advantage of me due to my XXXX XXXX XXXX XXXX caused by XXXX and XXXX XXXX and XXXX XXXXXXXX I have gone theough.
|
| 01/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2022 Wakefield and Associates of XXXX, TN texted me a debt notification letter. I disputed the debt, as I have never received a bill from the entity they are claiming I owe money to, via XXXX class mail with tracking. Wakefield and Associates received my response and signed for it on XX/XX/2022 at XXXX XXXX by XXXX XXXX. Wakefield and Associates has not sent any proof that I owe any debt. They are in violation of the Fair Debt Collections Act Section 809 subparagraph b If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
They have placed a disputed debt on my credit report without sending me any form of verification and proof. Their actions are illegal.
|
| 03/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Wakefield & Associates, a debt collection company, placed a claim against my credit account with XXXX XXXX XXXX XXXX Wakefield was acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, a professional services agency that provides physicians to hospitals. APP had billed me in XXXX, XXXX for services provided at XXXX XXXX XXXX in XXXXXXXX XXXX, a Medicare provider. APP previously submitted claims for reimbursement for these services to my healthcare insurance provider, XXXX ( " XXXX '' ) on two separate occasions. The two separate claims appear identical in all details. XXXX did not deny payment for this claim, but rather required supporting documentation. However, rather than providing such documentation to XXXX, XXXX sought to recover these charges directly from me, the Medicare enrollee. XXXX wrote a letter to me, dated XX/XX/XXXX, which states that my portion of the claims is {$0.00}. Nevertheless, Wakefield picked up the APP claim and notified XXXX. I disputed the claim and, following investigation, XXXX deleted the claim from my account and restored my credit rating to its former level. I had written, on XX/XX/XXXX to APP and Wakefield demanding that they cease and desist claims. I've not had replies to date.
|
| 01/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2021 I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX during visit I was advised that I need to do dental cleaning, I had dental insurance and I requested to check and confirm that the procedure will be covered by my dental insurance, XXXX XXXX XXXX representative checked and advised that insurance will cover, and my out of pocket expense will be {$150.00}, I paid the fee immediately with my credit card, signed an agreement, and schedule to perform the procedure on XX/XX/XXXX. On XX/XX/XXXX I came to do the procedure and was told that I need to do deep cleaning, I asked again if it will be covered by my dental insurance, and XXXX XXXX XXXX confirmed that it will, I performed the procedure. On XX/XX/XXXX I received a mail invoice to pay {$700.00}, I called XXXXXXXX XXXX and advised that the invoice is incorrect, that insurance should covered, XXXX XXXX XXXX checked, and advised that the procedure that they performed was not the one that is covered by insurance, I told them that I asked to check before they performed it if it will be covered, and they did confirm. If they would have told me that is not covered I would not have done the procedure.
Wakefield reference # XXXX
|
| 08/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : Arizona Zip : XXXX Email Address : XXXX Wakefield and associates is the company.
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, And I DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These XXXX XXXX are violations and must be removed.
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| 05/30/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I gave XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. 2 days later while reading through my discharge paperwork and online patient portal, I discovered that there were several big discrepancies. The hospital had written down that I gave XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The hospital also listed that I had a history of XXXX during my XXXX when in fact I have never been diagnosed or treated for XXXX. I brought this to the attention of the hospital who apologized and had me sign documents to have my medical records redacted and corrected. Prior to XXXX I was quoted {$750.00} for my deductible after insurance. I was instead sent a bill for over {$5000.00}. I called the billing department and asked for an itemized statement to confirm that I wasn't charged for anything related to treating a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and if I was charged for anything related to XXXX. I also asked why I was misquoted. The billing lady said she would look into but instead never got back to me and instead sent my bill to collections. Now this debt collection company reported this on my credit report 5 months ago without any written documentation ever sent to me beforehand.
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| 05/10/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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In XX/XX/XXXX, I received a text message from Wakefield & Associates regarding a dental bill for services they claim that I received in XX/XX/XXXX. I called the number back and spoke with a representative who stated the call was being monitored and that it was for a dental bill from XXXX XXXX I informed the representative that I have never received services from XXXX XXXX, on XX/XX/XXXX nor or any other time. I told them I don't know of a dentist by this name. As of XX/XX/XXXX, Wakefield & Associates has now reported this account on my credit report. Upon my awareness, I call this company again and informed them that I have never received services from the dentist, and I did not have a dental visit in XX/XX/XXXX. The representative stated the account was in dispute from the last conversation I had with the representative at their office in XX/XX/XXXX. I repeated again, this is not my debt. I do not know the dentist. I did not visit this dentist in XX/XX/XXXX. I informed the representative that I deemed this as being harassment and deceptive as I have told them repeatedly that I don't know this dentist, have never been seen by this dentist and have never been a patient of this dentist.
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| 12/07/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I received a text message from my mother with a " Receipt number, XXXX for {$240.00}, paid in full, XXXX balance '' indicating that she had paid a bill for me. She was contacted by someone, then returned a call to the number XXXX for XXXX XXXX XXXX. My bill was already paid at my XX/XX/XXXX visit in order to be seen on date. I wasn't even aware of a pending bill until I presented as my last insurance should have provided coverage on my first visit of XX/XX/XXXX.
I contacted the office for XXXX XXXX XXXX and she verified that my bill had been paid in full, and she didn't know how my mother 's number was used, as they only had my number on file. She indicated they use Wakefield & Associates for collections.
Wakefield violated my privacy by contacting my mother to discuss an account where there was already a XXXX balance, and through communication not authorized by me. I don't know how they got her information, but she was never on the radar of my medical treatment. This has caused so many concerns for me. My mother is on a fixed income and now an impression that I can't pay my bills and she needs to do this for me " as a XXXX present, '' and it is embarrassing.
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| 04/21/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The debt concerned originally occurred as part of a medical procedure that took place due to an injury I sustained in an automobile accident. The original creditor ( XXXX XXXX XXXX ) coded the treatment as XXXX which was incorrect. This error caused my insurance company not to pay as XXXX is not a covered condition under the plan. I made XXXX XXXX aware of the mistake on several occasions to which they didn't respond. They turned the debt over to Choice Recovery , Inc of which I was first notified on XX/XX/XXXX of XXXX. I informed them of the mistake and they stopped collection activities. On XX/XX/XXXX of XXXX, Choice Recovery , Inc. again made contact concerning the aforementioned debt. I again informed them of the billing mistake and added details explaining that other items on the bill were incorrect and that some services on the bill were not received, Choice Recovery , IncXXXX failed to respond to that email. On XX/XX/XXXX I was alerted by a credit tracking service that a collection account had been noted on my file. Choice Recovery , IncXXXX has damaged my credit while knowing that the debt is invalid and has failed to correct the erroneous information.
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| 10/02/2023 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Wakefield Collection # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX call numbers XXXX and XXXX. Per the provider, dates of service XX/XX/XXXX and XX/XX/XXXX. My dad died XX/XX/XXXX. I'm the executor. I received a collection notice from Wakefield Collection Company on XX/XX/XXXX. I called them on XX/XX/XXXX to get information on the medical provider with date of service, detail on charges and proof of insurance billed and paid as I needed this to pay the amounts as executor. They said I had to file a dispute with them to get the information. I did the same day and I proceeded to send XXXX emails, multiple disputes and phone calls. I received bill copies from them on XX/XX/XXXX ( with a letter from them dated XX/XX/XXXX ) and the amounts and insurance didn't make sense. I now had the medical provider information so I called them. Wakefield had the wrong date of service on their bill, they showed XX/XX/XXXX, and wrong dollar amounts. Provider is going to send me correct bills so I can review and pay, they said it will take 7 days from today XX/XX/XXXX. I notified Wakefield but I'm filing this complaint against them for harassment and improper billing.
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| 04/25/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Today, XX/XX/XXXX, I received a letter from Wakefield and Associates, a debt collector located at XXXX XXXX XXXX, XXXX, TN XXXX. They are claiming to be collecting a debt associated with a company named : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX I found the address of XXXX XXXX XXXX, XXXX through an online search.
I have never heard of XXXX XXXX XXXX, XXXX, have not ever done business with XXXX XXXX XXXX, XXXX and have not been in XXXX XXXX, CO.
The " billing statement '' with a Reference # of XXXX, has the following line items : As of XX/XX/XXXX, you owed : {$1400.00} You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward debt : {$1300.00} Total amount of the debit now : {$100.00} I have not paid anything to this company ever and the credit/payment totaling {$1300.00} is interesting.
Through my XXXX membership, I have reported this to the Federal Trade Commission. I have also reported this to the XXXX XXXX XXXX.
Is there anything that you and your department can do to eliminate this fraudulent bill/debt?
Thank you very much.
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| 02/22/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Wakefield and associates acct. # XXXX balance XXXX. These companies have illegally obtained these debts. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
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| 01/27/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a notification of XXXX XXXX drop from XXXX XXXX that a collection had been added to my report by Wakefield & Associates. I have never received anything about an outstanding debt and I know that it is not my debt but that of my ex-wifes that occurred after our separation when I legally had to keep her and her son on my insurance and the default occurred after our divorce was final. I attempted to contact Wakefield & Associates and they wanted to charge me money to investigate a collection that should never of been on my report and that I had never signed for or been a part of. There have been no phone calls and no letters directed to me by Wakefield & Associates or the company that is in default XXXX XXXX. I should not have to pay a credit agency to have something that should have never been on my credit report to begin with taken off of my credit. Wakefield & Associates was very aggressive in telling me I had to pay and did not offer to send me proof of this collection being mine. They are not a reputable company and for them to attempt to exploit someone who is not in default or should even be in there records is deplorable.
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| 06/21/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I had an emergency visit to the hospital at the beginning of last year ( XXXX ) for an XXXX. After the visit, I coordinated with insurance on all my coverages and got my medical bill situated a couple months later after back and forth with the hospital and the insurance company. On XXXX, I receive a phone call from Wakefield and Associates regarding an unpaid balance from the hospital that was taken to collections. The total amount stated was {$1200.00}. I was unaware that I had an outstanding bill or that it was sent to collections. I researched the company ( Wakefield and Associated ) and was overwhelmed by the negative public reviews and XXXX complaints. During the call, I asked the employee on the phone to send an invoice through physical mail so I could validate this claim. They pulled up an incorrect address in which I gave them my actual address. As of XXXX, I have not received a letter from them. I did not receive any physical mail, email, text or phone calls prior to phone call with this company. As of XX/XX/XXXX, collections has been reported on my credit and I have taken a significant hit on my credit score.
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| 01/03/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American, Servicemember |
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Medical account {$470.00} from XXXX XXXX. I received only XXXX texts message in the past 2 month. I was totally surprises as I contacted XXXX and it was a billing issue. I contacted XXXX as well. When I received a test message from Wakefield Assoc, I was floored. I called immediately, said I would dispute as is a XXXX account and per XXXX it was billed incorrectly. I have no other insurance. I received the XXXX text message and called XXXX. I then submitted a formal dispute on XX/XX/22. No response from them, no phone calls, no text messages after that. Nothing, they never called me in person, never sent me mailing via XXXX, nothing. only XXXX txt messages. I explained all of this. When I called XXXX, they said they purged from system, and it would be timely filing now. This charge was erroneously billed to me, and certainly incorrect. Now it is reported on my credit. How can they do that with only XXXX text message, no phone calls, no other contact. AND I submitted a DISPUTE on XX/XX/22. Please help Collection info below : Wakefield $ Associates XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Account XXXX REF # XXXX
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| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In accordance with the Federal Credit Reporting Everything has to be 100 % accurate on my credit report.
The HIPAA Privacy Rule sets limits and conditions on the uses and disclosures of XXXX that covered entities and business associates may make without an individuals authorization and provides individuals with rights with respect to their health information.
The attached letter was sent via certified mail on XXXX/XXXX/3023 to Wakefield & Associates at XXXX XXXX XXXX XXXX XXXX XXXX The customer service representative on the phone told me the reason for the visit. The company sent a breakdown of fees and diagnosis codes from XXXX XXXX XXXX XXXX but did not provide written proof that I had give permission for them to have access to my health information. The company removed the derogatory remark form my credit report with XXXX, XXXX, and XXXX and re-added the remark on XX/XX/2023. XXXX customer service representatives with Wakefield & Associates confirmed there is a " cease & desist '' remark attached to the account in their computer system yet the company reported the same account to the XXXX credit bureaus.
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| 10/12/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Was made aware of collection accounts with Wakefield and Associates when purchasing a house. One collection account was medical ( which was paid in full ) and the other was for a car. The car purchased was returned to the dealership due to many issues involving the work culture at the dealership and mishandled paperwork. They agreed to take the car back and the deal was closed with no further payments. Then this loan appeared on my credit report with Wakefield. I agreed to make payments of {$50.00} in order to continue the purchase of my home, for 2 years i made payments and not one payment was reflected on the balance. When I asked for payment history and expected payoff date, they stated their company does not provide that. They would not provide me with any information regarding my payment history or balance. In XX/XX/2023 they called and asked if I would like to continue payments. I asked for payment history and balance payoff again and they would not provide anything helpful in that area. They then stated that the credit beruea was dropping the case and had no explanation as to what that exactly means.
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| 11/18/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The original creditor, a XXXX using XXXX XXXX for billing, never contacted me directly to share that the insurance denied payment because they incorrectly billed an out of network code, instead of the in network code for the doctor. The procedure took place on XX/XX/2022. It took over 21 months and over 30 calls individuals to identify that the creditor listed, XXXX XXXX, is not the creditor that is owed.
The creditor, XXXX XXXX, was never listed on the collection notice. XXXX XXXX is the location where the medical procedure was performed. After several calls and email to Wakefield Associates ( debt collection ) and XXXX ( creditor ), I have not received any responses to correct the medical bill issue. XXXX has been unresponsive to phone calls and emails ; the doctor that analyzed the results is not reachable and Wakefield Associates has never responded to any dispute inquiry email that has been sent to them. They claim that they responded via mail but USPS has no record of any mail being sent to my address. My insurance company needs for the bill to be corrected so it can be paid.
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| 04/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hello, My name is XXXX XXXX.
I used XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received at home a notification from Wakefield and Associtates LLC, which is dept collector company saying that had services rendered at XXXX XXXX XXXX and they were engaged to collect {$180.00} that I owe them.
On XX/XX/XXXX, when I used XXXX XXXX XXXX XXXX, I have shared my health insurance with them and they never mentioned that I have something to pay. As well on my online acocunt that I have with them there was notthing to pay for this services. However the amount is insignificant and it would have not been an issued if they would have been informed me about it.
I never had a delay in my payments and this is really something that I would have never expected.
Moreover is less than a month since the time I used the serives until the time I received a notice at home about this debt. I found this as unusual and not right.
I need to know what are the next steps insolving this issue. I don't want to have credit report issues due to this situation, out of my control.
Thank you, XXXX
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| 05/28/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Hello Im contacting about two accounts I have for the past couple months now. One account is {$2200.00} and Other {$820.00} with added interest that I have not gave consent for. Im in the state of Tennessee so there are two things wrong that are happening. One being the interest that Im being charged and the account being payed by old insurance policy. Ive disputed this Ive called sent letters even called the company directly still nothing and this is illegal what they are doing as a company. This needs to be removed Wake Field & Associates.
Tennessee State Law : A debt collector may not collect any interest or fee not authorized by the agreement or by law. The interest rate or fees charged on your debt may be increased if your original loan or credit agreement permits it and no law prohibits the increase, or if state law expressly permits the interest or fee. The collection agency is not allowed to add interest or any other extra fees unless the consumer agreed to the fees in the original contract with the creditor or the fees are permitted by law. ( 76 Consumer Protection )
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| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern : I'm preparing to purchase a home and received a copy of my credit report. I noticed a medical account from Choice Recovery, which was originally for {$450.00}, and when I looked, the account is now {$520.00}. " Under the new law, credit reporting bureaus will remove all paid and unpaid medical debts of less than {$500.00} from credit reports, '' I called to inquire why the increase, and I was told by law they could collect more fees. However, they did not receive permission from the courts to add an additional fee. In accordance with the Fair Credit Reporting Act, this creditor violated my rights on many levels. These are a few ; In accordance with Fair Credit Reporting Act, this collection agency has violated my rights. Under [ 15 U.S.C. 1681e ] Compliance procedures ; [ 15USC 1681n ] Civil liability for willful noncompliance and 15 U.S.C 1681o ] Civil liability for negligent noncompliance. For the reasons stated above, I request the collection be removed from my consumer credit report, all three credit reporting agencies ; XXXX, XXXX, and XXXX.
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| 07/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a call from Wakefield and Associates on Saturday but missed it. I called back this evening on XX/XX/2023 at approximately XXXX. The agent I spoke with said they were attempting to collect a medical debt. I explained that I had previously asked to be contacted by mail only. He became combative and spoke over me and said if I didn't pay the debt, my credit would be damaged. He kept asking me if I wanted to take care of the debt or not. I told him the conversation should be over since I've ALREADY requested to be contacted by mail only. He said they'd already sent me a letter and until I paid it, they would keep calling. When I insisted my rights were being violated, he kept talking over me and saying I needed to pay the debt. I asked for a supervisor and she came on the phone after a couple of minutes. Her name was XXXX XXXX. I spoke with her and told her how the call had gone so far. She said they updated my account 's notes and I will only be contacted by mail going forward. However, my rights have been violated since I had previously requested this.
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| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I was turned to collections in XXXX and never billed or notified. This year I saw a collections account from Wakefield and Assoc. I have sent them the Insurance EOB showing the amount initially billed, how much insurance paid and how much was to be adjusted and that my amount owed is XXXX. They have received this three times, including XX/XX/XXXX the last time, and not responded or removed the account. My credit bureaus say WAkefield 's saying the full amount is due by me and verified as accurate. My insurance has not heard from any one but me so they are not doing their job to verify. I am attaching the EOB which is easy to read. The payment or check was cashed on XXXX and insurance will verify that.
XXXX XXXX XXXX also is not responding or removing account. They are breaking the law balancing billing me which violates the insurance contract they are on with my insurance. I would like them notified of this complaint as well.
I have spent alot of time trying to dispute this and everything fails as Wakefield said it's accurate... clearly it is not.
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| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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Wakefeild do not own the debt. Telephone they used doesn't work when you try to call back. The medical debt has /was being handle by healthcare insurance. I told them to cease and desist ANY weather contact with me by via email, US Postal services, any mail carry service, text message, telephone calss and or reporting any information to any credit bureau reporting agencies. They still keep harrassing me by US postal service about a debt they do not own the chain of title to. The male represenative was rude. He told me why dont I just pay my bill and discussing my personal medical information violating HIPPA.I do not owe money this issue was result through insurance. Wakefield has harassed me after i i told them repeatedly to STOP. reference numbers XXXX ref # XXXX amount {$400.00} XXXX ref # XXXX amount {$210.00} These collection agency are selling the debt without chain of title, NO ownership something needs to be done about this level of harassment. This is unfair and deceptive pratice trades and a violation under the consumer fair credit Act.
|
| 03/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
my Address is different than the address Wakefield & Associates has been sending collections letters to. I have contacted them three times in order to set up a payment plan to pay the debt that I owe. The first time I contacted them I was instructed to send an email to XXXX and never received an email back with my account information to start making payments. I followed up with two more phone calls over the past month in order to try and get the account information to start making payments on their patient portal but both of the contact numbers that I have called on their website just send me to an automated message saying they'll get back to me, but they do not. the amount that showed up on my credit report is XXXX $ and is a serious collection that could lose me my job and this company has been very unprofessional with responding the with pertinent information so I can pay towards the debt. I could lose my job because of my inability to make payments on this collection due to this company not assisting me in order to pay the debt that I owe.
|
| 07/12/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Debt was incurred on XX/XX/XXXX. I received a bill in the winter of XXXX. I still do not know exactly what this was for, however I only received the bill after there was a mix up on the dentist office on XX/XX/XXXX. I did pay the bill on XX/XX/XXXX for {$160.00}. On XX/XX/XXXX, I received a bill from XXXX XXXX XXXX asking for {$40.00} more in payment. I called the Dentist office, XXXX XXXX XXXX and spoke to XXXX. She informed my bill was paid in full on XX/XX/XXXX. They were not helpful ; telling me I had to call the collection agency and settle. The office is the reason I no longer go to this dentist. I then called XXXX for XXXX XXXX at ext XXXX, however I spoke with a lady, sorry I did not catch her name. She informed me that even if I paid the bill, I still owed them {$40.00} for a collection fee. I paid the bill two plus month before the date of the Collection letter. She did tell me she would mark the file disputed. I said thank you and to make sure it does not show on my credit report. The lady rudely said 'goodbye ' and hung up on me.
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| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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In 2020 I acquired very high medical debts related to the Covid epidemic. I was informed by a debt lawyer that I could dispute the debt, but never received any notice of this debt until it was on my credit report. I tried several times to dispute it but the credit company is not offering me a fair dispute. I would like this removed immediately because it is an unfair debt that will not be paid. XXXX XXXX charged me for a helicopter ride to the farthest and largest hospital that was unjust, forcing a debt onto me. There was a smaller and well equipped hospital not even 10 miles away from the scene of my accident. I was fully aware and awake at the time of my incident, and they were legally obligated to verify with me my preferred form of travel to the hospital. Instead of a few XXXX for an ambulance, they chose the most expensive mode of transportation possible and stuck me with a $ XXXX debt for uneccessary and unauthorized mobile transport. The decision was made by someone else on my behalf and did not allow me any choice in the matter.
|
| 08/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Complaint : XXXX was closed but had some inaccurate information.
This is the status back from the collector : An initial notice was sent to XXXX XXXX on XX/XX/XXXX. Wakefield has no record of mail return. Wakefield has received disputes from the credit reporting agencies ( CRAs ) through XXXX on beginning XX/XX/XXXX. Wakefield uncovered no evidence that inaccurate information was furnished to the CRAs in its investigation. Wakefield has requested a statement from the original creditor and will send directly to XXXX XXXX upon receipt.
I have never received any mail from Wakefield about this debt. Furthermore, the last sentence mentions that they will request a statement from the original creditor and will send directly to me. I have not received any statement or any mail at all.
I've complained about this debt record for months and have never received any proof or documentation showing that this debt belongs to me.
Why did the original complaint here get closed? The collector took no action.
Thank you, XXXX XXXX
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| 07/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I responded to a text message from Wakefield & Associates ( I don't recall providing permission to them ) via the number listed in the text message on XX/XX/2023. I was informed that I had a debt of approximately {$1300.00}. They mailed the debt validation letter or bill to the wrong address and have the incorrect address on file. I refused to provide them with my address, and I still have not provided them with my address. I requested that the debt validation letter be emailed to me, but I was instructed to send an email to request it. I emailed both email addresses ( XXXX and XXXX ) on XX/XX/2023. I requested an itemized statement, debt validation letter, and a discount/settlement letter. They recently reported that they did not have the email and instructed me to send the email again. They told me earlier in this process that the debt would be reported on my credit report on XX/XX/2023. I would like to have an itemized statement, debt validation letter, and a discount/settlement letter before I make any payment.
|
| 05/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I contacted XXXX XXXX XXXX regarding a debt they were attempting to collect. I had insurance thought XXXX which had a deductible for the amount of {$1700.00} which was met and over paid prior to the dates that XXXX submitted an amount for me to owe for a total of {$3400.00} and {$610.00}. My insurance was backdated which left me with a credit of {$2400.00}. There should have never been an amount owed with XXXX XXXX XXXX, which I submitted a claim against it. Now all a sudden I have two collections on my credit report from Wakefield and Associates with the original creditor as XXXX XXXX XXXX one for the amount of {$3400.00} and another for the amount of {$610.00}. I was never notified by them they attempted to collect a debt. I was never notified that it was even in collections or how I could dispute it or even any contact information for Wakefield and Associates. If I would have know I would have disputed this but I was never given the chance or opportunity or information. I still have no idea how to contact them.
|
| 08/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In accordance with the Fair Debt Collections Practices Act WAKEFIELD AND ASSODIATES has FAILED to meet the following requirements by law : Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt pursuant 15 USC 1692 g Debt collector has falsely assumed obligations of debt to be owed and/ due under deceptive collection practices which fail to disclose details and omit material requirements in accordance with the FDCPA Debt collector imposes negligent consumer reporting practices causing adverse actions and damages to the consumer, through publishing false and incorrect allegations on credit report THIS DEBT COLLECTION AGENGCY CLAIMS I OPENED AN ACCOUNT ON XXXX XXXX. WHICH I HAVE NOT. this is a fradulent account baring fraudenlent information to my credit report inhibiting my ability to obtain credit and finacial liberties within reason. Their negligence has stained my public credit profile without my knowledge or permission. I have no account with this company.
|
| 07/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX - Received a letter from Wakefield and Associates, LLC ( a reported collection agency licensed in Tennessee ) indicating that they were engaged by XXXX XXXX XXXX XXXX to collect {$390.00}. Requested payment via XXXX. Visit www.wakeassoc.com to securely pay online. Claim to have made several calls to me.
XX/XX/XXXX - Called Wakefield at XXXX to inquire. They wouldn't provide any information other than that the service was completed at XXXX XXXX XXXX XXXX ] in Illinois on XX/XX/XXXX. I informed them that they had ( i ) my first name wrong, ( ii ) that I don't live in Illinois nor have I been there in 8 years, and ( iii ) that I have not been to a hospital or doctors office in 7 years. I requested more information, which they denied and said I would need to write a letter to receive, and subsequently requested that they stop the claim as they have the wrong person.
XX/XX/XXXX - Received the exact same letter as received on XX/XX/XXXX, but with an updated amount due of {$1100.00}. No other changes.
|
| 05/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Debt repayment established with medical provider. Pay portion each month. Monthly payments cashed & clear my bank account by provider.
Collection company, XXXX XXXX XXXX XXXX ( XXXX ), calls threatens me that I must pay everything NOW. Collection company informed via a XXXX XXXX XXXX XXXX XXXX XXXX correspondence, a monthly payment already established with medical provider. Collection company NEVER responds to XXXX correspondence regarding the established repayment agreement with provider.
Next, XXXX sells my account to collection company XXXX XXXX XXXX XXXX ( XXXX ). XXXX sells my account to collection company Wakefield & Associates ( W & A ). W & A records this fraudulent attempt to collect everything NOW to my Credit Report. This is false and causes me harm. Remove. XXXX failed to respond. W & A fails to respond. This is criminal fraud.
XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
|
| 01/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Under the Fair Debt Collections Practices Act ( FDCPPA ), I have the right to request and receive validation of the debt. However, I never received proof that I am the party they are asking to pay the debt, or the date of the alleged medical service, or proof of any contractual obligation which is binding me to the debt.
In addition, I never received a copy of any alleged agreement with my signature that I agreed to pay this creditor or a copy of a HIPAA authorization, since this is a medical account.
The name of the company that has been taking actions against me is Wakefield & Associates. It shows on my credit report that the date it was opened was XX/XX/2021. The balance is showing as {$1000.00}.
I have tried disputing this information with the credit bureaus multiple times and they are refusing to delete the information, despite it being a violation of my rights to be held responsible for a debt that has not been verified or proved to be mine and that is a clear breach of security.
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
|
|
Dear XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : The following letter was sent over 30 days demanding removal of inaccurate and invalidated information on my consumer report.
Subject : Fair Credit Reporting Act, Section 603 Dear XXXX : Wakefield, account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted.
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days Sincerely, XXXX XXXX
|
| 12/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After learning that a company called Wakefield and Associates , Inc is reporting on my credit profile at all three credit bureaus, I requested validation of debt, breakdown of fees, & HIPPA authorization via a certified letter ( USPS # XXXX ) on XX/XX/2023 with a return receipt which was signed by " XXXX '' at Wakefield & Associates returned to me XX/XX/2023. After sending them this request in writing, Wakefield began communication tactics and called anyway despite my request and called at XXXX XXXX on XX/XX/2023 ( Phone Picture Proof attached ). They never responded to my request or wrote me back with the information I requested. I don't even know who this company is nor do I owe this debt. They are FALSELY reporting to the credit bureaus with a debt that I do not owe and thusly using abusive tactics to obtain money and destroy my credit worthiness. Please help me cease the reporting of information concerning me from this company on a debt that does not belong to me neither do I owe.
|
| 02/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Hello, I have been trying to get an inaccurate, misleading statement off of my credit report but am having problems finding correct information for the creditor, WAKEFIELD & ASSOCIATES. This was the second letter I sent them, the first was over 30 days ago, still with no response. Not only is XXXX reporting inaccurate and misleading information, but XXXX is also reporting inaccurate and misleading information about this creditors address compared to that which is found on the creditors XXXX XXXX XXXX profile. I have sent requests to WAKEFIELD & ASSOCIATES several weeks ago, but due to the credit bureaus reporting inaccurate and misleading information, I am unsure of the true address. This is complicating and is negatively affecting my life and the life of my family who need me. The attached documents are the receipts of the certified mail I sent in attempt to reach WAKEFIELD & ASSOCIATES. This was the second letter I sent them, the first was over 30 days ago, still with no response.
|
| 04/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
I was summoned to appear about a debt collector trying to collect a debt. The Complainant was Wakefield And Associates who added another party, XXXX XXXX XXXX XXXX, to a case which she had no involvement or part of. We were given up to 75 days by the courts to choose a mediator to try and come to come to some type of resolution, but when we contacted the debt collector to inform them that we had chosen a mediator from a list of mediators that excepted a court waiver, we were told the debt collector would not except our mediator and wanted to use their own mediator who had previously worked with them which would be unfair to me. I went back to court and wanted the Judge to appoint a mediator but the judge conspired and decided they didn't want to be bothered with the case. I am on XXXX at the time and Social Security XXXX XXXX and have limited resources. I feel by attaching XXXX XXXX to my personal debt is a violation of her privacy and some civil action will be taken if necessary.
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Wakefield and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
|
| 02/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a notice from my XXXX XXXXXXXX XXXX that I had a collection show up on my credit report and drop my XXXX XXXX XXXX points. Upon investigation of this notice I found out a company Wakefield & Associates ( info below ) had put a collection on my credit report. The supposed creditor is XXXX XXXX XXXXXXXX XXXX XXXX. I never received any billing from XXXX about money owed to them or notices of non payment of a bill. If it was a medical bill my insurance company should have been billed and also unaware of that being billed to my insurance. I have received no information about the supposed debt from Wakefield it just showed up on my credit report. I had no knowledge of the of the billing from either party so how was I suppose to pay the original creditor if I never received a bill or notification of a bill due.
Company involved.
XXXX XXXXXXXX XXXX XXXX address unknown believe its in XXXX SC XXXX XXXX Wakefield & Associates XXXX XXXX XXXX XXXX, TN. XXXX XXXX
|
| 01/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This complaint involves ( 2 ) companies, XXXX XXXX and their collection agency, Wakefield Associates. I have disputed this account with both originator ( XXXX XXXX and the assigned collection agency ( Wakefield ). Neither has responded. They are " verifying '' the collection account electronically via XXXX and not provided a comprehensive response.
I am disputing the account because I never received notification of the debt.
I have requested validation of the debt via the following : provide method of verification ( MOV ), detailed account statement with dates and corresponding medical codes. Additionally, provide TRUE VERIFICATION, what details were used to verify this account, who did they talk to, what signed documents do they have, and how are you all contacting/communicating ( XXXX and Wakefield ) XXXX
I mailed certified letters to both and confirmed that they have received both, but still no response. Tracking information is enclosed.
|
| 07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.
|
| 01/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received stitches in XX/XX/XXXX for which I eventually received two separate billing statements. The first was reported through my medical insurance ( XXXX ) and I was able and did pay it in full. The second ( from XXXX XXXX ) was received later ( again through XXXX ) and did not have any way to pay. I never received any bill that gave me a way to pay. I tried calling numbers listed on the documentation that went nowhere.
Recently ( XX/XX/XXXX ) I found out through XXXX that I had an account in collection ( with Wakefield and Associates ). I received no other notice that this was pending, and again, had never had any opportunity to pay. I contacted the collections agency and paid the debt immediately ( XX/XX/XXXX ).
This never should have gone to my credit report, and XXXX XXXX needs to change its unethical practices. I also understand that the collection agency needs to notify me before the credit agency- this notification never happened.
|
| 08/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 01/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 08/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2019 I was working as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,,,, I was XXXX XXXX XXXX XXXX XXXX XXXX and seen in the XXXX the same day while still on the clock ... .. About a year ago I saw there was a collection on my credit report. It is from XXXX XXXX, for XXXX XXXX I contacted this company, they stated it was from this incident I was seen in the XXXX I contacted my former employer at the XXXX XXXX XXXX, and the record was found, and PAID IN FULL!!! I was also made aware by the billing dept at the hospital that they do not even use this company. I believe this is a fraud and some third party selling info to trick people ... .Please Help!!! my next step is to hire a lawyer... And I did dispute this immediately and was found to be legit????? I requested my Medical records and billing from this day, and Iam awaiting there arrival so I can send a copy to this company.
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have contacted XXXX to get their input on a balance due to XXXX XXXX for XXXX XXXX. The pre-qual indicated that the procedure was completely approved except for {$32.00}. The day of XXXX I paid the {$32.00} by credit card since they do not accept checks ( even though their website says they do ). This was in XX/XX/2021. In XXXX in 2021 suddenly I still have a balance due of {$2800.00}.
As I am working to resolve this I find that this debt has since been sent to 2 different collection agencies- see attached documents. It has been submitted to Choice Recovery , Inc. and to Wakefield & Associates. As you can see it's the same debt reported twice ( not a matter of one company buying the debt from another ) - it's clearly open with 2 different agencies at the same time. It appears double posted on my credit reports as well. I believe this to be a violation of my rights under the Fair Debt Collection Practices Act.
|
| 02/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have been monitoring my credit report and all of the sudden there were 10 new collections for medical bills. I contacted the collection agency and stated that every other ( 2 ) were for the exact same amount. Then all of the sudden the next day every single one of the amounts had been adjusted by XXXX to XXXX dollars. I called them again to ( 1 ) mention that I didn't believe this was my debt. And requested all the records they might have.
( 2 ) The information they had for me was incorrect. I.E. my phone number, address. I did again request the records on file.
Now there are ( 13 ) different medical things on my credit report. All from this company. And again, they adjusted every single one by XXXX to XXXX dollars. In total {$14000.00} Ist contact made by me XX/XX/23 ( requested all records ) 2nd contact made by me XX/XX/23 ( requested all records ) 3rd contact by them XX/XX//23 ( Tried to collect money )
|
| 01/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was on XXXX XXXX website looking at my monthly credit score. When I went to Alerts tab it is showing Derogatory Account below it says Wakefield & Associates Reported on XX/XX/XXXX Account Balance {$230.00}. When I called to see what this was about the rep stated they had mailed out a Statement several times ( I verified the address and it was incorrect ). Asked why didn't they ever call me and they stated they did call to the wrong # again. He did not want to email me a statement on what is was for or from when. He wanted me to pay yesterday ( XX/XX/XXXX ) I told him how can I pay when I do not even know what I was being charged for. I told him to pull this out of collection due to the information not getting to me and he said he couldn't until I paid them the total amount due. I have no negative remarks on my credit report everything I have is always paid on time. I hope someone can help me with this issue.
|
| 04/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX I received a communication from WAKEFIELD & ASSOCIATES , LLC about an alleged debt at my location that I responded back to via certified mail green return receipt in which I also have a copy of the communication that I sent out on XXXX XXXX in response to your communication disputing this alleged debt. Theres no information in their communication that instructs said consumer how to dispute this alleged debt. Also Id like to inform you that your company is in violation for violating my rights to privacy which has caused me a great deal of mental anguish and XXXX.
I also like to inform WAKEFIELD & ASSOCIATES , LLC that a copy of your communication is attached with some of the Federal Debt Collection Practices Act violations your company acted in while engaging in trying to collect this alleged debt from said consumer as well as the copy of the notice of dispute said consumer mailed dated XX/XX/
|
| 07/01/2023 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
WAKEFIELD AND ASSOCIATES Last reported XX/XX/2023 {$430.00} Open balance XXXX XXXX XXXX XXXX Original creditor My original balance was {$560.00}. I paid XXXX {$100.00} XXXX {$61.00} XXXX {$100.00} XXXX {$300.00}. I paid these amounts directly to the original creditor XXXX XXXX XXXX XXXX. I have filed a dispute 2 times through XXXX and XXXX. WAKEFIELD AND ASSOCIATES has been contacted on this matter and they keep confirming that I still owe the debt. I sent them a cease and desist letter on XXXX explaining that i choose to deal with the original creditor and that in fact this debt is paid in full. WAKEFEILD AND ASSOCIATES still has confirmed with the credit bureas that the debt is still owed. I provided them a payment history from my HSA debit card and they still keep reporting the amount of {$430.00} is still owed. I can not deal with all this stress in dealing with this issue as my health is not good.
|
| 05/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Wakefield and Associates has reported an inaccurate debt to my credit report. On XX/XX/2018 I had an ambulance take me to the hospital. I had insurance that would cover that ride. XXXX XXXX Ca filed a claim with XXXX XXXX on this ambulance ride. But XXXX XXXX provided my name wrong and my DOB wrong. Because of this my claim was denied on XXXX XXXX. XXXX XXXX never notified me on the denied claim. Five years later its up for collections. This is affecting me now that am trying to buy a home. I had insurance XXXX XXXX made mistake and now am getting negative credit report because of their mistake. I had both XXXX and now XXXX XXXX XXXX who bought Paramedic logistics out talk. XXXX will review the claim and possibly pay it. But in the mean time it is affecting my credit I would like this removed immediately because their misstates shouldnt be my fault or effect me in any way. Please consider this.
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
WAKEFIELD AND ASSOCIATES, LLC are using name, address and Social Security number for ordering money fraudulently, and has taken the signature and the instrument like it belongs to them and trying to collect. I do not know who this company is I have not authorized any use of this information for order of money and they're causing defamation of character, they are continuously doing this action every other month or more. However, they continue to do the same thing over and over. HIPAA stands for the Health Insurance Portability and Accountability Act, and it is a law that was enacted in 1996 that protects patient confidentiality, makes it easier for individuals to keep health insurance and provides security measures for confidential health care information, according to the state of Tennessees Department of Health. HIPAA also helps to control administrative costs within the health care sector.
|
| 02/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The name of the collection agency is XXXX XXXX XXXX XXXX ( XXXX ).
The dept is from XXXX XXXX according to them, I did attended the hospital in XXXX But not the date that the collection gave, I was not seen by a doctor, I did perform XXXX and drip was given to me by a nurse, and final bill was sent to me and I paid it in full. XXXX XXXX is a fraudulent collection agent, for the following reasons, when I saw the report on my credit report, without account number and I did demanded for the details and they collected my SSN, date of birth and recorded it, I do asked them for the number of the original debtor but it was withheld from me, I called the hospital to request for the details and no details was produced or found.
This fraudulent act caused me a new job that I got, due to financial delinquencies. I need it removed and deleted from my account without a trace.
Thanks XXXX XXXX
|
| 08/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have made several attempts to remove this account that is reporting inaccurate information against me to the credit bureaus & third part agencies, this company refuse to validate or investigate this matter properly to clear my innocence. after inputting several requests pleading for a fair investigation multiple times with this collection agency & all three bureaus ( XXXX, & XX/XX/23 ) & all three bureaus no had a not even a drop of empathy. this matter has caused a dramatic negative impact to my life & everyday living. I never gave authorization or signed any contract to have my personal information passed around nor over to WAKEFIELD & ASSOCIATES , LLC who continues to tarnish my name. this unfair discriminating behavior has caused me to be viewed as unreliable & untrustworthy individual, i am being judged before even getting an opportunity ; how injustice is this. please help.
|
| 01/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. Per FCRA, reporting must be XXXX XXXX accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting.
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, WAKEFIELD & ASSOCIATES XXXX XXXX : {$860.00}, WAKEFIELD & ASSOCIATES XXXX Date Opened XX/XX/2020 Balance : {$860.00},
|
| 03/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
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Wakefield and associates has claimed I owe a debt of {$980.00} originally owed to XXXX XXXX XXXX. This debt was supposed to be paid by insurance as I called back in 2021 to verify this with the dental practice. ( they said and I quote " do not worry about this, the insurance will pay this '' and that was the last I heard from them ) To my knowledge it has already been paid by my insurance. ( on my app i have i can see where there was a payment from XXXX to the dental office for {$980.00} ) Additionally, XXXX XXXX XXXX never notified me of any owed debt via any method. ( therefore I was not given any opportunity to pay a debt I had no knowledge of ) furthermore Wakefield and Associates has not notified me of any debt either. How can an individual pay a debt they are not notified of/aware of? That's not operating in good business or fair practice by either business.
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act, WAKEFIELD AND ASSOCIATES is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family.
15 USC 1681 section 602 A states that I have the right to privacy.
15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.
Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
|
| 07/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I went to advocate XXXX XXXX in XXXX Illinois over 3 years ago I had XXXX XXXX and gave them my card they billed my XXXX XXXX XXXX but now 3 years later I'm getting a collection I've contacted XXXX and when I did they wouldn't give me any info on who the collection was for just acted strange and wouldn't give me any details just kept repeating for me to pay it, I asked for everything in writing and the lady deliberately hung up so I did some research called XXXX Illinois they are the one who supposedly doing the collection but when I called them they had no idea about my record and told me to call hospital I went to I seen on bbb site they had a lot of fraudulent remarks of doing same to others but I know after contacting my XXXX it was paid so I feel this is all fraudulent and nobody will mail me anything or professionally talk to me
|
| 03/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am writing to file a complaint against XXXX XXXX XXXX and Wakefield and Associates. They have unethically and inaccurately sent a medical bill to a collections agency while the bill is under appeal review with XXXX XXXX XXXX, despite being advised verbally and in writing that the bill was under appeal in XX/XX/2023 and again in XX/XX/2023. This bill from XXXX XXXX XXXX clearly violates The No Surprises Act, which prohibits providers from charging patients out-of-network rates for emergency care. Wakefield and Associates provided misleading and inaccurate information in their letter by directing me to respond to a website that does not exist. In addition, there is no portal on their website where this debt collection can be disputed. These deceitful practices by Wakefield and Associates violate the Fair Debt Collection Practices Act.
|
| 09/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received a notification from XXXX that my credit score dropped XXXX XXXX. As I signed into my account, I found a collection account I knew nothing about. This company is Wakefield & Associates flagged as Collections for {$2100.00}. Prior to this notification received no mail, no calls or any kind of communication regarding this account. I have no idea what this is and I don't even have any outstanding debts.
On XX/XX/XXXX, I sent a certified debt validation letter to Wakefield and I have yet to receive any communication from them verifying this is my debt. Prior to mailing this letter, I XXXX the company to find out what kind of collection this is. I was not able to find any information on this company and also found several negative reviews on XXXX XXXX XXXX XXXX site stating this isn't a legitimate company.
|
| 12/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving phone calls from Wakefield and Associates, LLC, for a number of months now. I have not answered the calls but occasionally someone leaves a voicemail with no details except that I should call them back. After a XXXX search to find that Wakefield is a debt collector, I became suspicious. I am not aware of any outstanding debts of any sort. After several months of calls from Wakefield, I finally received a letter dated XX/XX/2023, stating that I owe {$160.00} to XXXX XXXX XXXX, XXXX. I have never done business with this company, I have never received a bill from this company, this company has never sent any sort of communication to me regarding a debt I owe, and now Wakefield is calling me regularly and has sent written notice that I have a debt in collections. I do not believe this is a legitimate debt.
|
| 02/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
My daughter and I were in a car accident. The person that was at fault insurance paid for the doctor bills. I received a bill stating it had not been paid. I then emailed the creditor & called on many occasions with no response.
I sent proof of payment ( the check ) I sent a copy of the check that was sent & deposited by the hospital. Still NO response. I then had all the documents sent VIA certified mail. I had copies of all correspondence. and sent a copy of the check. They then called me & I told them I had sent all the information over and over. I then sent all the same documentation to the credit people. this is still on my credit report. I cant understand how this is still on my credit report after sending proof of payment. The wreck was in XXXX XXXX and the bill was paid in full on XXXX XXXX
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Wakefield & Associates sent mail to my house asking for money this is a result of identity theft and mail Frauds. Elements of Mail Fraud 18 U.S. Code 1341 - Frauds and swindles intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
I XXXX XXXX had NO transactions completed between me and Wakefield & Associates
|
| 03/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On Monday XX/XX/2023 at XXXX I began to receive repeated text messages from multiple numbers. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. 12 text messages in total! The texts read XXXX A notice from Wakefield and Associates, a debt collector. Password is 5 digit zip code. Reply HELP for info or STOP to end.
I have been instructed to never reply to these type messages as this only provides them with notification to continue the harassment.
I have NOT received any type of notification from Wakefield and Associates identifying any creditors who I am supposed to owe. I have no ideal what this is all about.
I have printed the messages and forwarded them to my attorney to see what legal action to pursue against this business.
|
| 02/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a bill for XXXX XXXX from XXXX XXXX XXXX at the XXXX XXXX XXXX which I paid in full on XX/XX/2022 ( receipt attached ). Even though this bill was paid, XXXX XXXX XXXX sent it to debt XXXX, Wakefield and Associates ( XXXX XXXX XXXX XXXX TN XXXX ). I then received a letter from Wakefield and Associates that the bill was sent to debt collection. I informed the debt collector 's office over the phone that the bill was already paid to XXXX XXXX XXXX within due time. Despite this correction, neither XXXX XXXX XXXX at XXXX XXXX nor the debt collector at Wakefield and Associates fixed their mistake. The bill shows up as a derogatory mark with multiple credit rating agencies and was reported to them on XXXX, 2022 - 4 months after it was paid for- and still shows up as open on my credit report.
|
| 02/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am being charged on my medical debt I agreed to make some payments and the debt would be taking off..also the fair credit reporting act shows that of XX/XX/2022 medical bills are not supposed to show or hurt me on my credit which this has stopped me from gettin loans because XXXX is using it hard inquiries against me with XXXX XXXX and the others still showing it also.Also I was never gave the option to opt out of my information being shown to the public so Wakefield and associates who is the debt collectors have also violated my rights by sharing my info to my credit without my permission per being able to opt out or not I addressed this with them and they told me I didnt get the option to opt out and also told me that it didnt matter because the fair reporting act of 2022 was not a law
|
| 01/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, One day I check my credit report and notice I had two medical bills in collections. So, I call them and see if I can give my insurance information to them, but they said that my medical denied paying them because they were not reported with in the year XXXX give to report a claim and that I would have to be on a payment plan and that it's my reasonable to pay them back. So, I called my insurance to see what I can do to handle this because I'm on a low-income medical plan thru XXXX and that I don't have the money to pay them back. My insurance said it was against the law to ask me to set up a payment plan because of the plan I'm on. Also, that should not be receiving any medical bills, so they gave me your number to contact you to help me handle this and get it out of collections.
|
| 04/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was contacted multiple times by phone by a company calling itself " Wakefield & Associates ''. When I answered their call about six months ago, a man named XXXX told me I owed roughly $ XXXX {$250.00} which I had never been notified of. I requested that they send a debt validation letter but they said they already sent one and said it was sent to some po box I didn't recognize. I gave them my actual address so that they could re-send the validation letter but I never received the letter. They stopped calling after that so I assumed it was a scam.
Then on XX/XX/XXXX, I noticed that they put a hit on my credit report. I disputed it and it was removed from all three credit services that day.
Despite all this, I just received another call from XXXX at Wakefield & Associates today.
|
| 05/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Wakefield & Associates shows that they have 2 different collection accounts both originating with XXXX XXXX. This is NOT correct. I only have 1 account in the amount of {$2300.00} dating from XX/XX/2022.
Wakefield & Assoc shows that I have 2 accts/collection amounts : 1. {$2300.00} datedXXXX 2. {$2300.00} dated XX/XX/2022 This debt is listed twice but is the same debt. There should only be 1 collection amount, NOT 2.
I have disputed these accounts 4 times and even wrote them a letter but they refuse to correct their records.
This is illegal and unlawful to do to a consumer. They call several times a day harassing me for this money.
I am requesting that Wakefield & Assoc remove this from my credit report. This is fraud against me and I am asking this be removed immediately.
|
| 02/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX office agreed not to charge me for lab after I told them no need for lab work since I did it recently. I just need to adjust my XXXX a little bit. Lab or testing is not needed. But they told we will the test and will not charge you. Then it took hours waiting time. Until I gave up and told them I have to leave to go back to work. Then I called to reschedule the appt again. They refused. Then I guess they are not happy that I left after wasting my time few hours waiting. Now they send {$60.00} to collection. Its rude to charge me for something I didnt ask for or agreed to be charged. They are just angry for no reason. Its like playing games. They sent it to a collection agency trying to aggravate me. I am very aggregated and very angry since they are playing games with me.
|
| 03/28/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was called and told that I owed money and that I had to pay a settlement today. I said I needed documentation because I honestly didn't know if it was a scam or not. The lady said I was PLAYING GAMES with her and was very aggressive and NOT HELPFUL on the phone. I just needed to verify that it was a true debt. She said the debt dated back to XX/XX/2016 and that I tried to claim bankruptcy on it and mentioned a XXXX XXXX account and none of that sounded familiar so I said that I needed something in mail. I felt attacked as she was not helpful in the slightest and kept talking over me so I hung up. She kept calling on different numbers but I did not answer. This is NOT the way to try to handle a debt. I'm willing to pay off debts of course but this was absurd and abusive.
|
| 12/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been reaching out for almost a month to settle with the company and to get the proper information to the insurance company that is responsible for paying the debt. Wakefield refuses to give information that is asked of them so that the insurance company could attempt to pay the medical bill but they are refusing to release the information and they are saying that I am responsible for it and have to pay it.
They never even sent the bill to the insurance company and every other hospital bill made it to them. They are refusing to respond to complaints and refusing to hand over needed information that could settle the debt. They are also refusing to release information to dispute the medical bill. They have been very unprofessional throughout this whole process.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I sent Wakefield and Associates LLC by certified mail a cease and desist letter on XX/XX/XXXX ; telling them that I have no desire to settle any disputes with them I will go directly to the creditor XXXX XXXX. I sent the letter to their headquarters in TN which arrived on XX/XX/XXXX and their OH location which arrived on XX/XX/XXXX. I made it clear that they are to cease all communication oral and written. On XX/XX/XXXX XXXX from Wakefield and Associates contacted my husband and left a message to call him at XXXX. I also put in a dispute with the credit bureau and the firm refuses to remove this collection debt from my credit report. I am requesting the derogatory remark be removed from my credit report asap and that the firm ceases all communications with me.
|
| 07/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
WAKEFIELD AND ASSOCIATES INC. CALLED ME ON XXXX ( MISSED CALL ) AND ON XXXX FROM THEIR PHONE NUMBER XXXX. WHEN I ANSWERED, THE CALLER ( AN ATDS ) HUNG UP ON ME. I CALLED THE NUMBER BACK. AND THEY TOLD ME THEIR BUSINESS NAME BUT REFUSED TO GIVE ME THEIR ADDRESS UNTIL THEY HAD MY COMPLETE NAME. THEY WERE CALLING FOR A XXXX AND MY NAME IS XXXX. I TOLD THEM THIS IS MY PHONE NUMBER AND I DO NOT KNOW A XXXX. BY DENYING ME THEIR ADDRESS, THIS IS AN UNJUST, DECEPTIVE, AND MISLEADING ACTION. I HAVE A RIGHT UNDER THE FDCPA TO KNOW THEIR ADDRESS, FILE A COMPLAINT WITH THE CFPB AND SEND THEM A DEBT DISPUTE LETTER. IF THEY LOOK CLOSELY AT THEIR NOTES, THEY WOULD SEE OTHER DEBT COLLECTORS HAVE TAKEN NOTES INDICATING THE PHONE NUMBER THEY HAVE ON THE ACCOUNT BELONGS TO ME.
|
| 05/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I called and requested a debt validation letter that included an itemized statement in XXXX of XXXX and they asked me to send a request via email, which I did. I received no letter. I called again in XX/XX/2023 ( they have record of this phone conversation ) and requested the letter again. I waited 30 days, still nothing. I called today and ( XX/XX/2023 ) once again requesting the debt validation letter and asked why I hadnt received a letter after the last two attempts.
They said they hadnt sent it out yet. Im so frustrated with the lack of response, I just want to see proof of this debt so I can pay get it over with. In the meantime they keep raising the debt owed with interest charges when I could have paid this months ago at the original price.
|
| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : Wakefield Account # : XXXX
|
| 04/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A debt collection company keeps calling me about one time per day starting on XX/XX/2023, or thereabouts. They keep asking me for personal details, which I do not give out over the phone to someone who calls me. The company does not provide me with details as to what incurred the so-called debt. Therefore, I asked them to send me a letter. I received the letter today. It was dated XX/XX/2023. I do not recognize the name of the company under " Accounts owed to ''. It is XXXX XXXX, XXXX. I never had any business with them. The amount owed is {$400.00}. The letter does not state what service or product I received from XXXX XXXX, XXXX. I do not recall a charge for that amount either. The debt collector is Wakefield and Associates, XXXX. from XXXX, TN.
|
| 11/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After receiving notification that EMERGENCY BILLING OF XXXX sent me TO COLLECTION, I was confused and upset. With no resolution from either company named I contacted XXXX XXXX XXXX which is the insurance at the time of service. I also filed a complaint with the CFB to ensure we have a process. Attached is the following 1. Document from XXXX XXXX XXXX showing payment for date of service XX/XX/ in the amount of {$2100.00} 2. Document from XXXX XXXX XXXX showing payment for date of service XX/XX/XXXX in the amount of {$2100.00} I also provided a copy of the complaint to the CFB and informed the credit report agencies that I was send to collection in error it need to be removed. I will also ask for the companies to do the same.
Sincerely, XXXX XXXX
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.
I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history.
Please let me know if you would like any further revisions or if you have additional concerns.
|
| 12/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I recieved demand for debt with a deadline to respond from Wakefield Associates, LLC. When I called number listed in the letter, operator demanded personal financial informantion and would not provide any information about who they where or why they were claiming debt.
I responded with a written request for originator of debt. Five months later I recieved a letter with name of another debt collector and no other information.
I believe this to be a scam. The phone operator was curt and demanding. She indirectly threatened me in attempt to obtain financial information. I did a XXXX search on the debt collector and recieved several cites about scams. All links to company led to series of names of companies with no verification.
|
| 10/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was receiving daily calls during work hours. I finally had free time so I called them back. They stated I owed around {$1200.00} for a payday loan and that they already had a garnishment ready to be served. They said that the payday loan is from XXXX, but they had a bank and employer listed that I stopped working for before XXXX. They offered a settlement offer of {$1000.00}. I was unable to pay that amount. They offered 12 bi-weekly payments of {$170.00}. I asked for in writing, in an email. They denied my request and threatened to " just go ahead and have you and your employer served ''. I asked if the call is being recorded and she said yes. She also told me that if I didn't agree, then my debt would go up by {$5000.00}.
|
| 03/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened XX/XX/2022 XXXX : {$200.00}
|
| 06/20/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
There false deceptive practices has continued Wakefield & Associates even gave me a fake address to mail my letter to. The post office told me the address does not exist. Wakefield & Associates , LLC agreed not to ever contact me as long as they are in business and agreed to pay me {$5.00} if they break that agreement ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... I want Wakefield & Associates , LLC to honor the agreement that they broke on ... ... ... ... ....
XX/XX/2023 by contacting me again account # XXXX ... ... ... ... ... ... XXXX ... ... XXXX ... ... ... ... ... ... ... .. XXXX unfortunately you have broke the agreement contact me only thought CFPB
|
| 08/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company named XXXX XXXX XXXX, XXXX sent a fraudulent debt to a collection agency, Wakefield & Associates to collect from me. When I reached out to W & A they stated the debt initiated from XXXX XXXX XXXX in XXXX, FL. When I called the hospital they stated I had no outstanding debt with them and they do not and have never used XXXX XXXX XXXX. I spoke with XXXX @ XXXX XXXX XXXX billing department ; their number is XXXX ext XXXX. W & A is still trying to collect a fraudulent debt from me. When I first received the collection I contacted W & A asking for proof. What I received was a unprofessional & clearly made up invoice from XXXX XXXX XXXX. I am attaching the correspondence I received from XXXX XXXX XXXX
|
| 05/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They keep calling me for a alleged debt for a hospital bill. They had been told multiple times not to call me and send me a itemized invoice for this alleged debt from the hospital. They called XXXX and I advised them again not to call and a certified letter was sent to their company in regards to this matter. My insurance carrier also told me the bill was paid in accordance to the law and that this would fall under the Federal Law of The No Surprises Act. They then called on XXXX from XXXX after they were told not to call. This is a clear violation of the FDPCA when they were told again on XXXX do not call me and to only contact me via mail and that I had sent them a certified letter in the mail as well.
|
| 06/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX I sent validation letters to two collection companies it is now XX/XX/XXXX with no response from either company.
1 ) Wakefield and Associates collection XXXX XXXX XXXX XXXX, XXXX, Colorado for the amount of {$640.00} I dont even know what this is for or if this is even my debt, I just want it removed 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl for 2 hospitals one the amount of {$2200.00} and {$1700.00} both were reported XX/XX/XXXX and I live in XXXX Mississippi , and was not even in the state of Arkansas or Oklahoma in the year of XXXX at all. I have requested that both of these collection companies removed the report from my credit, but neither one of them responded to my letter.
|
| 07/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called the hospital and they said they never sent me to collections or have a outstanding debt, Wakefield and associates is the collection agency and the hospital said they dont work with them? Phantom debt! The hospital said my last visit was XXXX and the collection agency reported a unknown debt in XXXX and also charging me XXXX $ every 4 days, medical bills dont have interest in the XXXX orignal agreement I keep all my records. Ive disputed this and told the collection agency and the credit bureaus to call the original agreement only XXXX XXXX verified and deleted it from the credit bureau. Its still on XXXX and XXXX and rising in amount owed. They are breaking several laws and nobody cares.
|
| 07/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I submitted a complaint on XXXX regarding Wakefield regarding a debt of {$15.00} owed to XXXX XXXX XXXX XXXX. My complaint number is XXXX. Wakefield called me three ( 3 ) times today from different phone numbers. The last phone call I receied today at approx. XXXX XXXX, I told the man ( who had a specific XXXX accent ) in no uncertain terms to NEVER CALL MY NUMBER AGAIN and that I had turned Wakefield into the CFPB. I hung up on him. He said the call was in reference to debt collection. I told him I didn't owe Wakefield or XXXX any money, never heard of them, and never contact me again. This is over a debt of {$15.00}. I have no idea whatsoever who these people are or what a debt of {$15.00} is.
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| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I have filed a dispute with all 3 credit bureaus about information being incorrect on my credit report which includes name address collection companies. I also informed them that I received a data breach letter from the HCA informing me that my information such as my name address and social had been used by an unauthorized party. I have tried for years to dispute incorrect information reporting on my credit report. I was effected by XXXX and was sick never hospitalized. And was burnt out from so many attempts and at no point up to recently someone finally said file a dispute at the XXXX, I am a XXXX not sure of alot of things. I dint know what to do until now can you please help me
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| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I checked my credit and saw three medical bills reporting from XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$660.00} ; one account from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in the amount of {$720.00} and one from WAKEFIELD & ASSOCIATES from XXXX XXXX XXXX in the amount of {$680.00}.
These are all incorrect as I have been in and out of XXXX and have been homeless, something I let the triage nurses know prior to services rendered. I completed the financial assistance forms to ensure services were covered. I am very surprised to see these bills reporting to my credit. I never received any correspondence about these debts or how to dispute them.
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| 12/14/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This has been in effect over a year that medical collections are not allowed to be on my credit report under {$500.00} ... yet i have spent time and money on a home loan to move forward due to the impact of these collections from wakefiled on my credit report i was unable to be approved. This collection was added to my report as recently as last month. Wakefiled knows that this collection is under {$500.00} and yet continue to report it every single month. This is wrong. I demand that both collections are deleted from my credit reportand hope that you investagate their predatory preactices against the consumer like me. We are struggling to acheive the dream to buy a home
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| 01/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Dear Wakefield and Associates, I am writing in regards to a collection listed on my XXXX credit report. The collection is dated XX/XX/2020 and is for {$1100.00}.
I am disputing this collection. I have not made any payments on this debt and do not recognize it as mine. I was not aware of this debt until I recently reviewed my credit report.
I am asking that you verify the accuracy of this collection and provide supporting documentation to validate the debt. If I do not receive a response within 30 days, I will consider this debt as invalid and request that XXXX delete it from my credit report.
I appreciate your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 09/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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On Thursday, XX/XX/XXXX, I was contacted by phone by Wakefield & Associates about a supposed outstanding medical debt. The problems are, I hadn't had any medical treatments in the year for which they were attempting to collect, I have full health coverage ( so I would owe nothing if I HAD had any treatment ), and I check my credit frequently and have seen no outstanding debts. They also called my wife but I had told her about the scam so she ended the call quickly. I believe the business is fraudulently attempting to collect non-existent debts, and there are many XXXX reviews stating the same.
The address for the business is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX
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| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the fair credit reporting act Wakefield and Associates account beginning # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 0.5. 1681 Section 604 A Section 2 : it also states a reporting agency can not furnish an account without my written permission or instruction.
In accordance with the fair credit reporting act Wakefield and Associates account beginning # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 0.5. 1681 Section 604 A Section 2 : it also states a reporting agency can not furnish an account without my written permission or instruction.
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| 01/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Dear Wakefield and Associates, I am writing in regards to a collection listed on my XXXX credit report. The collection is dated XX/XX/2020 and is for XXXX I am disputing this collection. I have not made any payments on this debt and do not recognize it as mine. I was not aware of this debt until I recently reviewed my credit report.
I am asking that you verify the accuracy of this collection and provide supporting documentation to validate the debt. If I do not receive a response within 30 days, I will consider this debt as invalid and request that XXXX delete it from my credit report.
I appreciate your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 01/04/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I tried disputing it on the website they provided. As indicated, it is quite misleading as to the ability to dispute it. More importantly, when I clicked " send '' it did not allow to send. Please assist.
I received collection letters from you. Ref # XXXX and XXXX I paid XXXX at the time of the visits. i specifically asked how much it was and paid it. Now, I receive these bills saying I owe more? I never agreed to this.
In addition, your letter says " we accept disputes electronically at ... .. '' This is quite misleading. There is nothing that states where to dispute. I had to needlessly search around your site just to find this. Please stop harassing me.
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XXXX XXXX {$480.00} XX/XX/XXXX, XX/XX/XXXX date verification letter sent and then dispute it with all three credit bureaus.
XXXX XXXX XXXX- {$920.00} XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX filed a report with police and FTC after house was robbed XXXX disputed it with credit bureaus, sent out a verification of debt Wakefield and asst- {$1000.00} XXXX Requested debt verification letter.
XXXX XXXX XXXX. {$1200.00}. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX filed a report with police and FTC after house was robbed, disputed it with credit bureaus, sent out a verification of debt XXXX XXXX {$910.00} XX/XX/XXXX disputed wrote a letter for debt verification never received
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| 03/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I XXXX XXXX, consumer am demanding Wakefield And Associates to cease and desist all debt collection activities through all and any medium including CRAs. Wakefield And Associates has failed to comply with The FDCPA I have come to the understanding A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, but Wakefield And Associates failed to comply. ( SEE ATTACHMENTS ) A debt collector may not engage in The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person ( SEE ATTACHMENTS )
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| 08/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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This account is reporting negatively on my consumer report and I have no knowledge of it. I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
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| 01/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
Someone from XXXX XXXX is illegally reporting a debt owed that I was never contacted about, never had any knowledge of. Wakefield and Associates placed a debt into collections on my account on XX/XX/22. For a total of {$3000.00}. I was only recently made aware of this when I looked my credit score up this month. I have no knowledge of the original creditor company. Looking online says its a known scam company. I never received anything about owing anyone money. Nor have I ever owed/ paid them any money. This debt is not real. Wakefield and Associates is trying to scam money from me with the help from whoever hired them to fake it
|
| 02/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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XX/XX/XXXX I was working for XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) and XXXX XXXX XXXX XXXX On The Job and Went through Workers Comp and was paid and told by my Attorney XXXX & XXXXXXXX XXXX XXXX XXXX ) That ALL MEDICAL BILLS Would be paid for and not to worry XX/XX/XXXX a collection debt appears on my credit report stating I owe {$1000.00} dollars from a debt collection called Wakefield & Associates I dont own this collection when I was seen through workers comp I have documents showing proof and Ive been trying to get this removed immediately off my credit report because its hurting my score to even purchase a new home.
|
| 04/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
Wakefield and associates has been trying to collect a medical bill from me for 2 years. First the bill should have been billed to my insurance as I have two insurance plans, but the hospital sent it to collections and never sent me a bill. Second I never signed an agreement that had the bill collecting interest. This bill started at XXXX and they had already added interest to it before contacting me and I refused to pay interest on a medical bill. We have been arguing for 2 years now and I believe what they are doing is illegal. The bill is now XXXX dollars. I have reported it to the credit bureau and they dont care.
|
| 02/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I received a medical bill collection from WakeField & Associates with a balance of {$390.00} upon contacting the company, they told me they were a collection company attempting to collect a medical debt. I do not owe this debt my medical bill was paid in full I have attached a copy of the bill from WakeField & Associates and also a letter from XXXX XXXX XXXX that my medical bill was paid and it was approved for a full write-off of all medical charges and also XXXX XXXX said that there office can be contacted to verify my medical account has been paid and written off, my case number with XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
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A Writ of Continuing Garnishment was placed on my wages by Wakefield & Associates , LLC. I became aware of the garnishment after {$1600.00} was taken from my paycheck. I was not notified by the collection agency of the alleged debt, or my employer. Not my debt! Since I was not notified I was not given the opportunity to Reply and Request for Hearing to appeal this garnishment. This violated my rights. I was discriminated against due to my race! I do not owe this alleged debt of {$1800.00}. Any attempt to collect debt is unfair, deceptive, abusive, and in violation of the statute of limitations in the state of Utah.
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XX/XX/2022, this was the second time I disputed the report on my file. Today I received the response. XXXX could not have read the statement I included to them either time. Wakefield is reporting a medical bill for {$130.00}. As per XX/XX/2022 medical under {$500.00} should not be listed on my report. I have email verification where I have contacted Wakefield as well. I again disputed this with XXXX for the third time on XX/XX/2022. I included snap shots of the information pertaining to this issue. Neither company are following proper procedures. This is a health care bill I. The amount of {$130.00} from Wakefield.
|
| 04/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Back in XXXX the medical bills was open according to my health insurance company I also got cut off XXXX on myXXXX birthday like XXXX years ago due to not reapplying that I wasnt aware of cause my mom was incharge of my information if I knew are was alerted I would have got on top of it so that I wouldnt have to go through this situation so I called the people who billing/reporting it to my credit which is WAKEFIELD & ASSOCIATES . I ask is they can waive the fee for me due to my situation in they choose not to work with me. So I decided to file a complaint with CFPB And I also filed a dispute on my credit report.
|
| 08/22/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I went to the hospital on XX/XX/2021 or so and I have dual insurance one with my job and the other with my wife. My insurance company contacted XXXX about the bill and ask therm to sent more info about the billing and they did not. I contacted my insurance provider to find out why it wasn't paid, and we told by my provider that they did not respond In a timely manner and that I am not responsible for this debt. I then ask for the EOB " Explanation of Benefits '' from my insurance company and i then sent it to Wakefield & Associates asking them to delete this off of collections & my credit report immediately.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I pulled my credit report, and I noticed some discrepancies on my report that wasn't mine, or I had any knowledge of, and I did not consent to from a collection agency called Wakefield & Associates claiming that I owed them debt that I have no knowledge of. I did not give my signature consent. The date of this accounts is XX/XX/XXXX, in the amount of 2 payments, {$360.00} and {$330.00}, that I have no knowledge of. I am a victim of fraud and I feel that I am being violated under the Fair Credit Act. I reached out to the credit bureau 's to get this removed. They have sent me no verification of this account.
|
| 08/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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Wakefield and Associates is attempting to collect on a debt from me. They have the original creditor as " XXXX XXXX XXXX '' - which is someone that I have never done business with. This is actually a medical debt from XXXX XXXX services. The original amount was {$940.00}, and I settled the debt directly with XXXX for {$760.00} on XX/XX/23.
Wakefield and Associates has placed this debt on my credit report for {$180.00}. They are reporting a medical debt less than {$500.00}, that has been settled, and they are reporting it under the wrong creditor name, instead of the original creditor name of XXXX XXXX.
|
| 05/16/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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|
approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates.
XXXX Account Number : XXXX WAKEFIELD Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
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| 03/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 6 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
|
| 10/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Iv been receiving calls from WakeField and Associates for a couple months now, I dont answer calls from any number other than my area code ( XXXX ). Iv never received any paper mail from this collector in regards as to how much I owe or what I even owe them for. It showed up on my credit report today ( XX/XX/23 ) that I owe {$900.00} to them. No description. I thought it was a scam trying to take advantage of me but I would think that they would have sent me paper mail before taking action like this. I would like this taken off my credit report and proof that I owe them any kind of money to them.
|
| 01/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Wakefield and associates is listing an account on my credit reports. I disputed the debt. The creditor and/or credit reporting agency stated the account meets FCRA requirements XXXX
However, this collection agency has failed to meet FCRA requirements. Im asking that the collection agency provide me with the original contract, payment history, and proof of ownership of this debt. I have never heard of Wakefield and associates. I have no contract to do business with them at all.
I have been denied housing. This account is harming my ability to secure suitable housing for my family at this time.
|
| 06/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an invoice from a business called Wakefield, telling me I owed money left from a loan under XXXX XXXX. I have never received a loan from, nor ever heard of a company named XXXX XXXX. Upon researching this company I have found that this is a scam between the two companies to try and get money out of people. When calling the company they wanted me to give them more personal information to verify the account, I refused and told them I would be turning it in as fraud. This company sends out invoices with smaller amounts hoping consumers will pay the amount and avoid the hassle of it all.
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, Wakefield and Associates added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account.
They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me.
According to the FCRA, Wakefield and Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
|
| 12/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called the number provided to settle a debt that was paid off, but the phone number I found was the wrong number for the original company. The person acted like a representative of Wakefield, the original debt collector, but they were a scam artist pretending to be with Wakefield and Associates. I gave them my social security number and debit card number, but luckily the card had no funds for them to take. They tried to get me to use a different card, but then I realized they were asking way too much information. When I called the scammer out, he immediately hung up the phone.
|
| 09/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
All of my debts were paid over XXXX years ago and I have not been to a doctor or a hospital in over XXXX years. This collections account from Wakefield and Associates randomly appeared on my credit report in XXXX. This account does not belong to me and this account is not mine. I reached out to the collection agency to request proof of debt and proof of the origination of the debt. I also requested proof of where the debt originated. They did not respond or provide the requested information. This company is a scam and they are a fraudulent company. This is not my debt.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 02/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I got court papers to go to court in 2018 for Wakefield & Associates for a bill of XXXX. Court was thrown out because I had Medicaid which paid that bill. I've called Wakefield & Associates. I've also called XXXX XXXX where the bill was originally from, and they told me the account was closed. I reported that back to Wakefield and the said XXXX XXXX XXXX was originally over my info and I would have to contact them. I've contacted all 3 and they all said the account was closed. I'm not sure what I need to do next because they are all telling me to contact the other.
|
| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Most recently, this company has sent a letter to my mothers house stating that I owe money to a place called XXXX XXXX XXXX, XXXX, which I have never heard of before, but I owe {$1500.00}. I have not lived at my mother 's house in over 5 years and she should not be receiving any of my mail. This company called me : XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX Each time they have called, my phone has blocked the number for potential spam and I have not answered any of their phone calls.
|
| 12/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Wakefield and associates just popped up in my credit. I have no knowledge of this debt. Never received documentation about this debt to properly dispute alleged debt. I dispute this debt. Please send over any ALL ORIGINAL WET SIGNATURE DOCUMENTATION for this alleged hospital debt.
PLEASE ALSO SEND YOUR CONTRACT FOR ORIGINAL CREDITOR STATING THAT I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
|
| 02/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Choice Recovery is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$280.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Choice Recovery failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay Choice Recovery and Im demanding them to remove the collection account from my consumer report.
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt.
Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Wakefield and associates is reporting information to my credit bureau and its inconsistent. The open date for account number beginning XXXX are inconsistent. It reports to one bureau with open date XX/XX/22, the next bureau XX/XX/22. Dates dont match. Dates dont match and are inconsistent.
Wakefield and associates is reporting information to my credit bureau and its inconsistent. The open date for account beginning XXXX open dates are inconsistent. It reported to one bureau with open date XX/XX/22 and the next XX/XX/22. Dates dont match and are inconsistent.
|
| 01/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Wakefield & Associates sent a written notice of a medical debt owed. I responded by mail using a tear off from the original notice to request verification of the debt. They have record of receiving my request on XX/XX/2022. As of XXXX XXXX I have not received a response or verification of this debt. This debt collector did not respond within 30 days, however they are still attempting to collect on this debt. I received a notification via text on XXXX XXXX from XXXX stating " This is a notification from Wakefield * Assoc. a debt collector. Reach us at XXXX ''.
|
| 01/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never been to this establishment, never even heard of them. When I XXXX them they have many other complaints in their reviews of people saying the exact same thing that this company reported a negative account to their credit report and they have never been to this place or heard of them. Ive disputed this multiple times and it is not yet removed from my credit report. I filed a complaint with XXXX also. Its not right that people can get away with fraudulently reporting to credit reports. Ive called this place multiple times and never get and answer.
|
| 02/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
This debt collector has continued to try to collect a medical debt when I carry both VA insurance and Medicaid that covers all medical issues. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is why I have VA insurance and also pay for Medicaid out of my SS XXXX. The fact that this company acts predatory and continues to try to collect money from me rather than bill the VA or Medicaid is unreal. A XXXX Veteran should not have to argue with a collection company over an invalid medical debt. This is absurd.
|
| 07/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Someone has fraudlently used my personal information to obtain services. I have been a victim of identity theft! I never have had any dealings with this company- Wakefield & Associates or the oringinal debtor ( XXXX XXXX XXXX XXXX ). I've tried to rectify this with the collection company but they keep giving me the run around. The debt is in the amount of {$1300.00} and it states that it was opened on! XXXX. Again, I have never had any dealings with either of the above mention companies. Nor have I given anyone permission to use my personal information.
|
| 05/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was called at random by a debt collector called Wakefield Associates, saying I owned over XXXX dollars and had 6 invoices. They when I visited the hospital on XXXX XXXX and I rebutted by saying that I was not even there for an hour so I why is it XXXX dollars? I went to the hospital that day for an XXXX XXXX. All the doctors did was tell me what I already told them, gave me XXXX and sent me on my way. I had owned over {$600.00} to the hospital at one point for this but those charges were dropped. I shouldn't have to pay anything! I need this disputed.
|
| 11/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
Servicemember |
|
I am writing to bring to your attention a serious matter involving the unauthorized disclosure of my personal information. I recently became aware that Wakefield and Associates sent confidential information about my account to a phone number that does not belong to me. Wakefield and associates has sent text messages to a prior number that is my ex significant other now number. This incident raises significant concerns about the handling of my private data and constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WAKEFIELD & ASSOCIATES used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WAKEFIELD & ASSOCIATES reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
|
| 06/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have tried to get this deleted and removed from my credit report, because this is in my belief is a form a double billing. This is and XXXX visit where I have dual insurance that paid in full the hospital. I am not responsible to paid the doctor separately who was employed by the hospital at that time, not as I informed that it would be a separate charge. Now the hospital have shared my records and billing to an 3rd party. I did not authorize them to share any of medical information to anyone which I believe it falls under the Hipaa law.
|
| 02/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was paying XXXX a month for a year and they kept taking it on the wrong day and overdrawing my account which was costing me an extra XXXX dollars every time and I gave specific instructions of when I got paid so I had to stop paying it because they were costing me more than I could afford at the time and now my rents higher but my income hasn't increased and when I talked to them I only owed XXXX and now I got all these other amounts I'm just now seeing and I'll see what I can pay because they screwed my bank account up all the time
|
| 01/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Wakefield and associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Knows my collection is medical debt and after disputing with the 3 credit bureaus and winning they continue to post my collection debt weekly just to get it placed back on my credit bureau this has been going on for months and originally I let this go because I knew the day would come in 2023 when medical debt would not be included but they continue to use deceptive practices to lower my fico score by updating the same medical balance under {$500.00} to my credit report
|
| 05/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX called from Wakefield & Associates and immediately 3rd party disclosed that it was regarding a debt without proper verification. I have not received any written notification to validate the debt, no chance to dispute. XXXX refused to identify with first and last name as required by FDCPA. This is not the first call I have received, I had received a previous call where an agent verbally abused me and hung up on me. I do not know what kind of debt this pertains to as I have not received any type of written debt validation Notice.
|
| 10/10/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Wakefield Collections Agency- Unscrupulous collection practices I started receiving reporting in collection notices from Wakefield and Assoc shortly after. The creditor was listed as " XXXX XXXX XXXX '' - which I have never done business with. The remaining balance is {$820.00}. I have requested information/ statement about this account and haven't heard nothing back. They are claiming wrong information.
I know per my research they are crooks trying to steal money from people. with no accounts associated to them.
Please help.
|
| 07/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy, fairness and accuracy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Wakefield is reporting inaccurate information to my credit report which I have given several opportunities to validate. They are also reporting XXXX different balances on both Credit Bureaus. See photo attached
|
| 06/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I submitted a debt validation letter to the WAKEFIELD AND ASSOCIATES collection agency in XX/XX/2023. The purpose of the letter was to request verification of the information regarding a medical debt.
Unfortunately, despite the considerable time that has passed since my initial request, I have not received any response from this agency. To ensure transparency and provide evidence of my previous communication, I have attached both a copy of the original debt validation letter and the receipt of the certified letter that was sent.
|
| 10/10/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act Wakefield, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
I sent a letter to Wakefield on XX/XX/2023 and and XX/XX/2023 requesting validation, proof of contract, certified copy of the authentic copy of my signature, request a itemized statement of the accounts they are claiming I have with them.
|
| 06/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX and Wakefield associates keep selling the debt back and forth. This debt is from identity theft someone in another state XXXX miles away used my name and personal information to obtain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az. I live in New York and have never traveled or lived in az in my whole life. These people need to do a better job verify who they are seeing. If they would have asked for Identification or my health insurance card. They would have easily seen the person they where seeing was not me.
|
| 08/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Wakefield & Associates call me even after I told them the person they are trying to reach is not associated with this number. I have received 12 text messages as well without any actual information, just a link and a phone number. This is the detailed call list.
XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX when I told the company there is no such person and to stop calling.
XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX rep hung up XX/XX/2023 XXXX XX/XX/2023 XXXX
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
The reason for the dispute was submitted XX/XX/2023 and why I know the information is incorrect reporting to my credit report. The FCRA firmly sates any Mistakes must be removed once you have reported an error on your credit report or background check, and the reporting agency can not verify that the information they have is correct, they must remove the error within 30 days. They are now in violation of this error and this must be removed immediately from my credit report or I have the right to peruse legal action.
|
| 02/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Its about a medical bill that was already paid by my health insurance company.
I sent complete details about this debt issue too the insurance company.
I have been calling since this issue of a bill started.
I have XXXX and XXXX and this bill was covered.
I keep getting the runaround from the hospital itself stating that it was paid.
I have been trying too get this bill fixed and it is frustrating.
I keep getting the bill and now its in my credit report.
I dont know what else to do in this situation.
|
| 04/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XX/XX/2022. Wakefield and Associates and XXXX XXXX are attempting to collect a debt of orignial amount {$380.00}, now {$400.00}. I have not received any verification of the debt, nor have I been given the opportunity to dispute the debt prior to being relegated to my credit reports. I have disputed with XXXX, but only to side with the Wakefield and Associates. This is absurd, as I have not been contacted regarding the who, where and why the debt was incurred. Therefore, this debt is assumed to be fraudulent.
|
| 02/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
|
| 01/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Months ago I reviewed my credit file and noticed XXXX XXXX XXXX that I did not recognize. I tried reaching out and validating the debt directly with Wakefield & Associates, since I do not recognize these alleged debts. I have never received any initial communication from Wakefield and Associates, they also failed to respond to my debt validation. They also are charging interest % on the alleged amount, since every month I see the balance go up on my credit report. I was not sure that was legal practices.
|
| 07/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
|
| 06/27/2023 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company is currently trying to collect a medical debt payment for a hospital visit in the state of California. I had medical insurance at the time the provider didn't bill even though the hospital had my information. California has been a No Surprise Act State since XXXX. The company was contacted and informed that I do not owe this amount it should have been handled by the insurance. The company refused to contact the insurance even though an EOB was provided showing I had insurance at the time.
|
| 10/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Wakefield and Associates has multiple times during phone calls, threatened myself with jail time. They were recently sued for exaggerating the amounts owed in office and charging more than then the actual debt.
Most of the time when I speak with them they are very hostile and unwilling to listen. I was told I was nothing at a point and that is why they sued me for medical debts.
They are all around unprofessional and have only recently been acting professional toward myself since the lawsuit.
|
| 06/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2022 someone stole my identity to receive emergency services at XXXX XXXX XXXX XXXX account number XXXX. I have notified all parties that was medical fraud. But they can continue to harass me. Wakefield and associates also XXXX XXXX lol llc. I have never been to Arizona in my life. I have always lived in New York XXXX. The original address used at XXXX XXXX was torn down 10 years ago. The original creditor did not do there due diligence to verify the correct identity of there patient.
|
| 05/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I wrote to Wakefield & Associates6 requesting validation of an alleged debt under 15 USC 1692, after learning that theyre reporting such to the credit bureaus. I sent the request certified mail, return receipt requested ( see letters, receipts attached ). They received my initial request and failed to respond in a timely manner. I sent them notice stating that their failure to respond was a violation of federal law and they had a duty to cease reporting of alleged debt. They continue reporting.
|
| 01/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never received notification of this debt. I found out about just yesterday because I am in the process of trying to build credit. Wakefield and associates have to marks on my credit history and never tried to contact me about any bills I may have outstanding. I definitely am not sure of the total or when they are from. I just want some type of solid validation they are mine. Until then I want them removed from my credit report cause they are hurting my credit for something I was unaware of
|
| 01/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I would like to request a validation of debt. The Debts appear on my credit report, unbeknownst to me, and I would like a full itemized list of procedures that took place and dates of original debt. This would allow me to ( 1 ) verify the information is accurate and I received the treatments listed ( 2 ) Make sure the bills are under my name correctly, including the correct insurance information and billing address ( 3 ) collect information about the collector and the bills being collected
|
| 09/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a letter from Wakefield and associates on XX/XX/ about a doctor bill that is past due. Wakefield and Associates have also reported this information to the credit reporting agencies. I reached out to my insurance company to see why the bill was not paid by them on XXXX XXXX and was notified this outstanding bill falls under the Federal Surprise Billing Law and I am not responsible for this bill. I contacted Wakefield and Associates and they refused to stop collection activity.
|
| 03/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I went to the emergency room several different times once in XXXX XXXX XXXX for treatment plus I have dual insurance that I used and now an 3 party collection company is telling that the doctor working for the hospital is charging me separately in addition to the hospital visits so basically I'm being double billed for the same visits once by the hospital and once by the doctor in which he's representing and working for the hospital. I believe that double billing it wrong.XXXX set XXXX
|
| 11/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Im protected under the no surprise medical bills act. I have XXXX and I was unaware of this debt that was a surprise to both me and my insurance. My medical bills were sold to a debt collector without my consent and my privacy was violated under hippa. The company refused to send me a bill or itemized statement telling me what the debt is and where it came from. I was billed on 2 dates XX/XX/XXXX and my debt was sold XX/XX/XXXX. I was also billed XX/XX/XXXX and sold XX/XX/XXXX.
|
| 04/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was involved in an accident that was NOT my fault and had to be transported to a large hospital via air ambulance. The case against the party at fault is pending litigation and The original bill was sent to collections for 12 % more than the original bill. They have sent me nothing the verifies I owe this debt to them and this is a HIPPA violation. I would like this immediately removed from my credit report as they have failed to provide me with any supporting documentation.
|
| 06/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have an open account right now for XXXX and this is from some sort of medical service. It originated from XXXX XXXX California and I have never received a bill from this original company but it's in collections? I have always had medical insurance regardless and this is not something that I should be charged for or that I owe. I have attempted to dispute this charge multiple times since I do not owe this money. All of medical bills have always been covered by my insurance.
|
| 02/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
This collection from Wakefield and Associates 'appeared ' on my XXXX XXXX account on XXXX.
I have never been contacted by mail or phone of this debt. I have had the same phone number for over 15 years. I have lived at my current address for the past 8 years.
There is no phone number on the internet for this company, only a XXXX XXXX XXXX A internet check of them shows they purchased accounts from another collection company due to that company being under investigation.
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Certified dispute letter mailed XXXX. Dispute letter received XXXX Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the XXXX law violations of this third party agency
|
| 09/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am writing to bring to your attention a serious matter regarding your company 's non-compliance with the United States Code. Specifically, I believe there has been a violation of 15 U.S.C. 1692g ( a ) ( 4 ), which mandates that a debt collector must provide a consumer with a 100.34 Notice for Validation of Debt, and a failure to adhere to the provisions of 15 U.S.C. 1692g ( a ) ( 1 ), which requires the use of the B-1 Model Form for debt validation notices.
|
| 01/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Wakefield and Associates mailed me a debt collection letter dated XX/XX/2023. The letter states there are two debts owed to XXXX XXXX XXXX, XXXX in the amounts of {$610.00} and {$23.00}. I have no knowledge of this company! I have never had any business, dealing, transactions of any kind with this company. This debt is not real. Looking online, this seems to be a know scam. Wakefield and Associates, along with XXXX XXXX XXXX are trying to scam money from me!
|
| 09/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Regarding COMPLAINT ID XXXX, the issue remains unresolved as I have yet to receive any statement or evidence verifying the existence of the debt. The original letter I received stated that " XXXX XXXX XXXX XXXX '' does not appear to exist. If Wakefield can not provide any company information or furnish a bill statement to substantiate the debt claim, I kindly request that all further calls and mailings cease, as they are causing unnecessary disturbance.
|
| 08/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
We have sent XXXX letters asking for verification of debt with Choice Recovery. They have failed to verify the debt, leaving the debts on XXXX of the credit bureaus, XXXX and XXXX XXXX. This debt was appropriately removed from XXXX. We are trying to get approved for a mortgage and this non-verifiable debt is hindering the process. We do not owe the debt reported, and would like to have this removed.
Choice Recovery, Account number XXXX, XXXX {$890.00}
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
XXXX and XXXX are reporting a medical debt on my credit report from Wakefield and Associates in the amount of {$880.00}. Ive disputed this debt over and over again and neither XXXX, XXXX or Wakefield and Associates would provide me with the method used to verify this debt as accurate. It is unlawful to report a debt with a past due balance as accurate and it is causing me sleepless nights and stress. I have a ton of fcra violations as well as cfrs etc.
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I wrote to XXXX, XXXX, and XXXX Requesting an investigation of the following inaccurate accounts reporting on my credit report over 30 days ago. They credit bureaus claim that they have completed a reasonable investigation with the furnisher of the account And verified a 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile which is causing damage to my credit score.
Account # :
|
| 10/03/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/23, I checked my credit score and it had severely dropped. I checked in to why and I noticed a collection for over {$500.00}. After looking in to where the collection came from, I saw that it was a medical office in XXXX XXXX, Arizona for XX/XX/2023. I have never been to XXXX XXXX. I am also not XXXX eligible, which the medical office seems to specialize in. I worry that someone used my information because I can not claim this collection.
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am the author of this complaint and after checking my credit report I noticed a fraudulent and inaccurate account on my credit report. I am not familiar with this company but they are causing me damages and affecting my credit worthiness and reputation I have attached an identity theft report along with a copy of my driver 's license and social security card for verification Account : 1. WAKEFIELD & ASSOCIATES ( Originally XXXX XXXX XXXX XXXX XXXX
|
| 12/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I emailed Wakefield and associates on XX/XX/XXXX to receive validation of the 5 debts that they have contacted me to pay. I used the reference number provided to me XXXX. They never sent a validation letter and proceeded to call me while I was at work. I then requested by phone to get debt validation and they said I would have to email. I have since mailed a physical letter to them to request validation. With nothing received to validate the debt.
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
|
| 07/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX verified a medical debt that is open but that is also a collection account.
With a balance that is increasing daily. This is not my debt. I want it validated. Where is my signature. It's wrong to come after me with fraudulent debt/information..My credit score is hurting from the Lies of Wakefield & Association . I didn't open any debt in XXXX of any year. Balance on this collection is going up and my credit score is hurting. Please help!
|
| 03/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
In XXXX of 2020 I was sentenced to a treatment center in XXXX fl called XXXX. while there I injured myself and went to the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX. about 6 month later I got the bill for XXXX dollars and couldn't pay it as I was uninsured and not working at the time because of covid-19 pandemic. so the bill was sold to a collection agency and I haven recovered financially to pay this debt and need help resolving this issue
|
| 07/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Medical Dept was settled and paid off in XX/XX/XXXX. Original date of service is XX/XX/XXXX. Receiving collection calls everyday and threatening messages being left on voicemail of being sued, wage garnishment, and higher accumulation of additional fees. Derogatory mark has damaged credit history. Many attempts have been made with WAKEFIELD & ASSOCIATES , INC. to have them remove derrogatory marks and stop fraudulent collection attempts.
|
| 03/14/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was in a non fault rear end collision in 2019. All medical bills were handled with an insurance settlement approximately 6 months later. 4 years after I got a random letter from a collection agency saying I still owe on one bill. Which was also paid. They immediately reported to the credit agencies but now after 3 months of repeated attempts to dispute the debt and contact the collector, I have had zero response from said company.
|
| 11/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Wakefield account is too old. Keeps popping up on my credit. Although information about Wakefield is accurate I do not recognize. I tried disputing it directly with the company. It keeps affecting my credit. I have other priorities in life. This is a roadblock in my everyday life. Please remove Wakefield from my credit report. I been doing all I can to stay on top of my bills. Please remove out of good faith. Thanks, and god bless.
|
| 04/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I filed an dispute with CFPB in XXXX and Wakefield failed to answer the dispute in a time manner, when they did response the repeated the same response that was given 120 days ago. XXXX dental was paid in full at the time of service, the insurance company gave XXXX dental a preauthorization prior to me recieving service and XXXX confirms they paid the preauthorization amount in full, they is not else owed. This claim is fraudlent
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The collection agency is violating my rights under the no surprise act of XXXX. I have medical bills that an out of network provider is charging me without my prior authorization. I have never signed a HIPAA release form with the following creditors 1. Wakefield and Associates XX/XX/XXXX {$1100.00} 2. Wakefield and Associates XX/XX/XXXX {$920.00} These are inaccurate HIPAA violations and I require you to delete these immediately.
|
| 08/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2023, my credit was hit with two amounts at the charge of {$2000.00} and {$2200.00}. I am contacting yall because I know this was fraudulent charges and other people have experienced from the same company. The company name is ( XXXX XXXX XXXX ). I have never had credit in my life and I have never tried to get credit at any amount especially like this. My contact number is XXXX for any further information of mine needed.
|
| 02/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company continues to report negatively on my credit after disputing numerous times that I have no relation to them or the company they represent. When I tried to speak with them they say it's my responsibility to prove the debt is not mine. I have disputed this for sometime now and the company is not listening. They have not been able to provide proof of this debt and they need to verify their information with their client,
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
|
| 09/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Wakefield collections agency in XXXX, TN sent three statements on XX/XX/XXXX regarding XXXX XXXX medical debt from XXXX stating that they have charged approximately XXXX dollars in interest on my medical bills and this is the first I have heard of interest being charged on medical debt. I did not sign any agreement at the emergency room to interest being charged on my medical bills and have not with the debt collector either.
|
| 07/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MY CAR WAS STOLEN IN 2021, INSIDE WAS MY WALLET AN OTHER PERSONAL ITEMS... BUT MY ID IS BEING USED ALL OVER, ACCUMULATING MEDICAL BILLS A CREDIT CARDS... I TRIED TO EXPLAIN THIS TO THEM, BUT THEY WOULDN'T REMOVE ME FROM THEIR ACCOUNTS... I DON'T HAVE MONEY TO PAY OTHER PEOPLE 'S DEBT ... THE CREDITOR IS WAKEFIELD AN ASSOCIATE THEY XXXX SEPARATE DEBTS THEY ARE TRYING TO COLLECT.. I NEED A IDENTITY THEFT FORM TO SEND TO XXXX
|
| 07/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This credit reporting agencies has debt and collections on my credit report, I have disputed these things and asked for an itemized bill and or a contract to verify that the debt belongs to me, I have actually reported to these companies several time to verify and send me proof and not one item has came in the mail or have yet to provide the debt belongs to me... still on my credit report a even when asked to remove it
|
| 03/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company was sent various certified letter 's requesting for my name to be disassociate from there company. I've never had any contractual agreement with Wakefield and Associates, nor have I signed any paperwork or documents stating that I agree to pay this company. The company sent me a letter stating that they will cease all credit reporting. This company continues to provide fraudulent reports.
|
| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Spoke to XXXX XXXX XXXX about a medical debt from XX/XX/XXXX. The balance is {$5000.00}. This debt was bought by Wakefield and Associates. Every month, I am being charged interest and fees on this medical debt as if this is a credit card, etc. Also, the debt was placed on my credit report XX/XX/XXXX. Why haven't I been contacted by this company and why am I being charged interest on a medical debt?
|
| 06/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notification on my credit report stating I owed this collection company called Wakefield and Associates money. They have never spoken to me or mailed me anything and they put this on my credit report without talking to me. I don't recognize them and don't even know what they are trying to claim I owe them. I don't even have a way to contact them because they have never contacted me.
|
| 06/20/2023 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed this collection directly to Wakefield & Associates requesting for Validation on XX/XX/2023. This company never responded. I then disputed with XXXX in XX/XX/2023 online and only noticed online that the dispute was " Verified As Accurate. '' How can this be accurate when I have not received any documentation to show proof that this belongs to me? I do not know what this is!
|
| 10/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hi, Received notice from Wakefield and Associates LLC that they are looking to collect debt from me from XXXX XXXX XXXX in the amount of {$52.00}. I do not know what this debt is for and need information provided about what it is for. I always use XXXX to pay off XXXX debt. All of my payments for XXXX are through there. I have contacted XXXX and they do not know of this charge.
|
| 01/19/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
|
| 11/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Wakefield & Associates has put a collections on me on a debt that I do not own nor have knowledge of.
This debt is reporting with all credit reporting agencies. I am asking for this collection reporting be removed from all reporting agencies.
Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1100.00} past due as of XX/XX/XXXX.
|
| 06/30/2023 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
The debt collection agency Wakefield & Associates has been contacting since XX/XX/2002. I have provided Wakefield proof I dont owe the {$35.00} copayment. I paid the doctor my copayment and the check was cashed by the doctors office. Wakefield is aware I dont owe any money but refuses stop calling me. I told them to stop harassing me for payment and to stop contacting me.
|
| 06/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I got a letter from Wakefield and associates stating I owed a debt to XXXX XXXX, llcin the amount of {$1800.00}. I have no idea who this company is so before I agree or disagree to it I need further information as to what or who I owe this money to and for what reason do I owe it back in 2007 I filed bankrupty and since then I owe nobody nothing.
Sincerely, XXXX XXXX
|
| 05/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
A company by the name of Wakefield and associates is calling me repeatedly and asking for personal information. They refuse to tell me who they are trying to reach or what is owed and seem to be focused on collecting information from me, however i do not have dept as i pay Everything on time. I don't have money problems. They also refuse to send me information by mail.
|
| 02/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I DID RECIEVE INITIAL BILLING ON THIS AND PROVIDED INSURANCE INFORMATION FOR BILLING AND THEN NEVER RECEIVED ANOTHER BILL. THEN IT APPEARED ON MY CREDIT. I HAVE DISPUTED IT ALREADY XXXX ON MY CREDIT AND ASKED THAT THEY SEND DOCUMENTATION FOR THIS ACCOUNT SUCH AS COMMUNICATION CORRESPONDENCE FOR BILLING ATTEMPTS AND OR ABY AND ALL CORRESPONDENCE. NOTHING WAS EVER SENT.
|
| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
My report have my social number incorrect and my name, address is incorrect as well. And it constantly putting my credit in a bad position when the information isnt correct.
Trying to get money out of me when the account of been sold thru a 3rd party and they constantly hitting my credit report when they dont suppose to.They cant identify my original account etc
|
| 08/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Wakefield Associates has sent multiple letters saying we owe a debt to XXXX XXXX. We have never heard of either company. When i requested more information about the original creditor, all that was returned was a po box number, no information on what or who was owed. I do not want this to harm my otherwise excellent credit and am trying to verify if it is a scam.
|
| 01/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Credit Report shows collection agency WAKEFIELD & ASSOCIATES was reported XX/XX/2023 for some kind of XXXX XXXX XXXX. I have not had this service and have not been contacted in any way by the original creditor or the collection agency. I only was made aware when reviewing my credit report. It has now reduced my XXXX credit score by XXXX points! Please help.
|
| 11/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
My credit report has been hurt because of this, and I need a position and better help from XXXX since the service covers me and the charging as the report on my credit score is unfair and is prejudicial for me because they never submitted the claim through the insurance company and even acknowledge me before submitting through the collection debt company
|
| 05/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
in accordance with the fair credit reporting act XXXX account # XXXX, ( WAKEFIELD & ASSOCIATES ) Has violated my rights. 15 U.S. Constitution 1681 section 602 A states i have the right to privacy. 15 U.S. Constitution 1681 section 604 A section 2. Its stating that the consumer reporting agency can not furnish an account without my written instructions.
|
| 05/20/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
WAKEFIELD & ASSOCIATES, INC DEBT COLLECTOR ( XXXX ) RELEASED MY ACCOUNT INFORMATION TO A NOTHER PERSON WITHOUT MY PERMISSION, XXXX SPOKE TO THIS PERSON ABOUT MY ACCOUNT, THE STATUS, AND MY CURRENT LIVING LOCATION THAT WAS SUPPOSED TO BE KEPT PRIVATE FOR THE SAFETY OF ME AND MY DAUGHTER FROM THIS SPECIFIC PERSON THAT HAS THREAT MY AND MY DAUGHTERS LIFE.
|
| 10/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXXy ( medical provider ) was over paid in full. Medical provider never contacted attorney who had provided medical provider with contact information. Instead, provider sold medical debt to Wakefield & Associates who endlessly called, texted and harassed. Deplorable action by XXXX and Wakefield has now jeoparized credit score, house closing, etc..
|
| 07/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been billed with several XXXXXXXX XXXX and medical bills that arent mine. These debts have been removed before but they keep buying them and adding them back to my credit report. They try to say that theyve been validated but refuse to send me any proof of validation. I have filed the proper police reports with my local police department.
|
| 07/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Servicemember |
|
This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
|
| 07/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I looked up my credit report and I have 2 collections account from Wakefield and Assoc. One for {$1700.00} and the other for {$670.00} on XX/XX/XXXX for a company in Washington called XXXX XXXX XXXX XXXX. I have never lived in Washington nor have I ever had any kind of business loan. It brought my credit score down XXXX pts from good to fair.
|
| 04/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Collections company has been calling and harassing my mother for over a year when shes not responsible or tied to this debt. I never received written notice for this. I dont believe this debt collection account is mine. Company has been calling me numerous times after I asked them to stop and calling later at night after normal business hours
|
| 06/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am submitting new known contact information about the creditor.
I was poor at the time of service. I was too ill at the time of service to consent to care not covered by my insurance. I was sick and not able to apply for XXXX XXXX. XXXX XXXX of the XXXX surprised me with charges. Under the No Surprises Act 2022 such bill is now illegal.
|
| 10/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They reported to credit bureau that I have an account in collections with them ( Wakefield and Associates XXXX ) from " XXXX XXXX XXXX '' in the amount of {$1700.00}.
I called them when I found this on my credit report and they could not find an account in my name or with my social security number, so basically it did not exist.
|
| 12/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I went to check my credit report and Wakefield and associates was on my credit report. The original creditors is listed as XXXX XXXX XXXX XXXX. The date reported is XX/XX/2023. The amount is {$1200.00} dollars. I never applied or heard of this company. I did not receive a loan on my behalf in my name nor social security number.
|
| 05/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The provider is XXXX and XXXX XXXX. They billed incorrectly as XXXX is primary XXXX secondary. I called them and told them but they still sent me to collection XXXX paid {$150.00} on XX/XX/XXXX which was accepted by provider. XXXX paid the remaining contract amount of {$37.00} on XX/XX/XXXX. I appealed this debt as it is paid.
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 02/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a collection notice, sent a request for validation on XX/XX/. They received it on the XXXX XXXX XXXX. I have acquired additional fees according to my credit report since then. Pursuant to FDCP Act, 15 USC 1692g they were supposed to cease any and all collection activities during the 30 day investigation period.
|
| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, Wakefield and Associates acct no : XXXX has violated my rights.
15 U.S.C. 1681 section 602 A states that I have the right to privacy.
15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written permission.
|
| 05/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a mail from Wakefield and Associates said that I have owned another funding firm.
I never doing any business nor using their services/products, even never heard of those 2 companies before.
I did some research and both of those 2 have more than 3000+ negative complaints and reports for scammers and fraud.
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My rights was compromised when asked creditor to provide proof that I owed a debt and they keep sending the same thing back..They are not responding to specific items when requested..they have showed me there is no intention on fixing this..They did not do a proper investigation per regulation and laws on this matter..
|
| 08/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I didnt received any notification and calls from debit company but reported to credit agency.when I called they said no info available .I asked sent me account and debit details but not yet received.I provided email Also but no information received nd reported in credit history.Due to this I am not able to get loans
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX I have made numerous phone calls for XXXX XXXX years regarding inaccurate reporting with no resolution. The company can never find any information when I call. But keeps reporting as the same company but with different account numbers. This repeated cycle is illegal.
|
| 06/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received letter from Wakefield and associates stating they were debt collectors and I owe a debt to XXXX XXXX XXXX XXXX which I have never heard of. I would like to know if this is a scam. The letter stated the debt is from 2021 in the amount of {$850.00}. Did not know if I should respond to the company or not.
|
| 03/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I have asked this company to send me the contract saying I owe them and they keep ignoring my request. This account was deleted off my credit report before then it came back and now they have someone else reporting this same balance along with them. So now it looks like I owe multiple people. They cant do that.
|
| 11/01/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Someone reached out claiming to be from Wakefield and associates. They said I have debt and were given the following info : my name, DOB, SSN, address. When asked about credit card, I said no and they hung up right away. It was clear it was a scam. Now Im worried about my personal info.
Their number is XXXX
|
| 02/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Wakefield & Associates are on my Credit Report as a collector for services provided by XXXX XXXX XXXX related to a hospital visit on XXXX/XXXX/21. The hospital reports a XXXX BALANCE on my account and does not recognize XXXX XXXXXXXX XXXX as a vendor.
I requested an itemized bill from Wakefield & Associates.
|
| 09/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently checked my credit report and noticed Wakefield & Associates is attempting and trying to get me to pay {$1200.00} to them.
I dont know this company or never did business with this company.This companies doesnt have any proof or written signature of mine to validate this debt saying I owe them.
|
| 06/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Debt collector is in violation of the FDCPA. It violated my privacy and parked debt on my credit report ( s ) without my knowledge. In addition, there appears to be a misrepresentation as this debt is parked twice under two different business names under the same business address. Please see attachments.
|
| 07/02/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I am not liable for this debt with Wakefield & Associates. I do not have a contract with WakeField & Associates. They did not provide me with original contract as requested, certified mail which they never respond with verification and validation letters. Did not provide date of the original contract.
|
| 04/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed this account on XXXX, XXXX did nothing said creditor did their own investigation, I wrote to the company asked them to validate this debt it has been almost 3 months and I have not gotten a response. I called XXXX and they refuse to take this debt down even though it has not been validated.
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Wakefield and associates, Inc is reporting 4 items in the amounts of {$130.00}, {$110.00}, {$130.00}, and {$120.00} to my XXXX. I do not owe any of these debts and I've never even seen them on my reports before. I regularly view my XXXX and XXXX through credit monitoring services provided by my bank.
|
| 03/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX. i wrote to them numerous times and left messages to tell them that the bill had been paid but ultimately they sent the bill to a collection agency. i was forced to pay a bill that i had already paid again so my son 's credit score would not be harmed. respectfully submitted.
|
| 10/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Mailed a Debt Validation Letter to Wakefield & Associates on XX/XX/23 by Certified Mail. Called the Representative to let them know that I sent out a letter to Validate that the debt is mine by requesting information. The company has Failed to provide proof that the Debt belongs to me
|
| 11/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
wakefield and associates are attempting to collect a debt, they are not authorized to do business in georgia and they have not provided verifiable documentation acknowledging that this is my account. I have no knowledge of such debt. This has caused a negative effect on credit files.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Wakefield & Associates Have Two Derogatory Statements That Have Impacted My Credit Report And Stopped Me From Obtaining Credit Cards And Any Thing That Credit Offers My Score Has Dropped XXXX Points And It Has Reiund My Score Wakefield & Associates XXXX Wakefield & Associates XXXX
|
| 09/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This reporting is in violation of my rights in accordance to HIPPA laws
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
WAKEFIELD & ASSOCIATES Is reporting a debt to my credit report. I have no such debt. I never had an account with this company. I have no records of and signed contract or given this company any of my information. This account is fraudulent any or miss reporting of information
|
| 08/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection just hit my credit and IT IS NOT MINE! NOR was I ever informed or even had the chance to dispute and receive validation from this company. This is again NOT mine. Please help, they should have contacted me and I would advised them this is NOT mine please help
|
| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
WAKEFIELD & ASSOCIATES has listed the same account twice on all 3 of my credit reports. The alleged amount owed, account number, open date and other information is all identical. Its a violation of my rights under the FCRA for the same account to be listed multiple times
|
| 07/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a notice of a debt with the supposed original debt owed to a " XXXX XXXX XXXX, XXXX ''.
I do not owe nor have I ever owed money to this company and the collector " Wakefield & Associates '' keeps trying to collect, without any proof of an account being owed.
|
| 05/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/XXXX Wakefield & Associates reached out via text. I requested to opt out at the time. They sent another text on XX/XX/XXXX from a different number. On XX/XX/XXXX they have again sent another email. I previously reached out and complained to cfpb against them.
|
| 01/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
They do not legally own this debt and I do not either so remove because that means this account is not 100 % accurate on my credit report by consumer law my credit report is to be 100 % accurate at all times or Violation fees of {$1000.00} per violation can be served.
|
| 03/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Date if phone contact with collection company Wakefield requested info they responded with promise to postal mail samenever received. All I know is debt supposedly occurred in 2020 I was made aware of this from XXXX XXXX never was contacted from collection agency
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Medical collections under {$500.00} are to be removed from credit reports according to the Consumer Financial Protection Bureau. The company did not remove their account.
WAKEFIELD AND ASSOCIATES Original Creditor : CEP America LLC Alleged Balance : {$380.00}
|
| 12/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I filed a requested thru CFPB when I saw ir hit my credit score. I have not recieved anything from this company. They went back on my credit I never received a call neither or paperwork. I do not know this company I have never been to TENNESSEE.
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX reported medical information to a third-party company violating HIPPA and Federal Credit Reporting Act. My medical information was reported to Wakefield & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX with out my consent.
|
| 06/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company has ruined my credit, ,Credit is needed to buy a home, rent an apartment, and buy furniture, I had insurance since XXXX and I am still being billed for this medical debt, the hospital did used my insurance to pay for this debt
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX apartment says I owe them {$15000.00} but Ive never lived there nor applied! I asked for a copy of the original application and it had an entire different social security number on it. Ive constantly tried to get this removed
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX yrs, XXXX mos ) Highest Balance {$870.00} Creditor Information WAKEFIELD AND ASSOCIATES XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Someone used my information with this company.
|
| 08/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I suddenly and randomly have over 5 or 6 records on my collections account from Wakefield & Associates and they were all reported on the same day. It makes no sense and it is definitely not my debt. I really want it removed and asap.
|
| 06/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
According to the CFPB all medical debt less than {$500.00} or less than a year old from date opened are to be deleted and not reported on credit report. Opening date was XX/XX/XXXX which is less than a year of todays date XX/XX/XXXX.
|
| 08/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Pursuant to 18 USC 8, i owe no debt. This company, Wakefield and Associates are violating my consumer right to privacy to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4
|
| 01/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021, XXXX XXXX XXXX was billed for {$54000.00} with my personal information.
I disputed this debt, and I still haven't received a response in regard to this account reflecting on my credit file and ruining my credit.
|
| 10/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I had a missed call. I googled the number and it came up as a debt collection agency. I called them so they could remove my number as I do not owe any debts. I refused to give them my name and they refused to remove my number.
|
| 09/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with Wakefield and Associates, I do not have a contract with this company. I still have not been provided with a contract with my signature stating this is my debt The balance amount is {$840.00}.
|
| 10/11/2023 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Wakefield and Associates repeatedly calls my number for XXXX XXXX. I do not owe any debts and have asked them 5 different times to stop calling my number to no avail. This harassment needs to cease and desist immediately
|
| 01/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Upon checking my credit report XXXX has my account reported as deceased my whole credit profile has been comprised with information and accounts that do not belong to me please verify that this is account belongs to me.
|
| 07/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a collection alert on XXXX for {$970.00} for 1 month term from Wakefield and associates. I have never opened this account neither received any funds from this. The original creditor is XXXX XXXX XXXX XXXX
|
| 04/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The debt was sold. I had the same debt with another debt collector, and it was deleted and was sold to this collector. This is also against HIPAA violation of confidentiality by this being a medical debt collection.
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt Vs. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
|
| 02/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I humbly ask that under the new law passed XX/XX/2022 concerning medical debt under {$500.00} that my collections debt of {$130.00} account # XXXX from Wakefield & associates be removed from my credit report.
|
| 05/24/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called and explained that this bill was my husbands. Insurance should have paid it also. I contacted the hospital and they said that it was fine they would bill insurance. Still havent. They keep calling.
|
| 10/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received this report in my credit bit XXXX dont know about it, my they used my information with other person or other person stolen my information put false information, so this report dont belong me.
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
no knowledge of these accounts. no contract with these companies. please remove, they reposted this account. reporting innacuretly across the bureaus, no account info, this is violationg consumer law.
|
| 06/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2023 of {$180.00} & XX/XX/2023 of {$940.00}. This has been very stressful for me trying to clear these debts off my credit as I am in the process of moving and this is affecting my livelihood.
|
| 06/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
WAKEFIELD & ASSOCIATES has not mailed proof of dept. When called they are refererencig a dept XXXX XXXX XXXX for XXXX XXXX. They should have my address in TEXAS as it is current on Credit Bureau.
|
| 07/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I was called saying I owe a debt to a payday loan center for XXXX dollars from 2015 This is outside the statue of limitations for Arizona. I have never been notified about this debt until today.
|
| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Wake associates reported on my credit report and I dont have an account with them and never has. The have a different name address and date of birth on the account they reported on my report
|
| 01/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have tried calling and asking for an invoice and they have yet to send me one. They told me they did not have one in file, but proceeded to ask me to pay the debt. WAKEFIELD & ASSOCIATES I
|
| 03/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Improper use of report.
My rights under the No Surprise Act of 2022 are being violated. This debt was outsourced to a 3rd party, which I in NO WAY endorsed, and this violates my rights.
|
| 09/01/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Wakefield & Assoc. are charging me interest on a debt from a third party concerning a medical bill. I asked for the original bill but never received it. Ive tried disputing, to no avail.
|
| 06/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I never owed this debt is was paid I called them it was never a collection it should have never been placed it should have been removed and they placed it on my wife 's as well XXXX XXXX
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed an dispute for an account in the amount of XXXX XX/XX/2023 and never got a reply. It is now XX/XX/XXXX and I still haven't heard from anyone. Any help is appreciated thanks
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I did not get any loan from this company. I believe someone used my identity to get the loan. I want this off my credit and resolved since it is affecting my credit report. Thanks
|
| 02/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
THEY HAVE XXXX ACCOUNTS REPORTING UNDER MY NAME AND THEY ARE FRAUD I HAVE NEVER BEEN TO THE XXXX XXXX XXXX FOR SERVICE IN MY LIFE I ADVISE THEM THAT SOMEONE MUST HAVE USE MY NAME
|
| 09/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Im wanting this Collection Company to take this collection account from my credit. Finding out the dont have license to collect in Pennsylvania and they trying to collect on me.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Wakefield & Associates is reporting a balance of {$11000.00} on my credit report. XXXX is also reporting an inaccurate balance of {$680.00} This needs to be removed due to fraud
|
| 07/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Wakefield & Associates I has violated my right to privacy as well as violated the FDCPA 1006.30a by parking this alleged debt on my consumer report. Please see attachments.
|
| 01/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Wakefield and Associates placed a collection on my credit report. I was never contacted for any debt. I was only aware of this action due to my credit monitoring service.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Choice Recovery, inc. they did not provide me with the original contract as I requested.
|
| 09/19/2023 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Hey my name is XXXX XXXX and I got three letters in the mail today saying I owe debt to XXXX XXXX XXXX and I work there I need to talk to somebody to see whats going on
|
| 01/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no debt owed to WAKEFIELD & ASSOCIATES nor signed any contract giving them authorization to report on my credit reports. Remove from all bureaus immediately.
|
| 09/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I do not owe debt they are saying that I owe I am a victim of identity theft. I have reached out to the agencies and have not received any information on debt owed
|
| 10/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Have provided all hospitals with XXXX number to pay for medical bills. Never received anything from hospitals or credit collection agency about this medical debt.
|
| 01/09/2023 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Out of the blue I have received 4 letters in the mail with random amounts. I was never contacted by the company with a bill and the amounts have no explanation.
|
| 09/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no idea what this profile that was opened XX/XX/2022 with a debt of {$540.00} is. I never used any of my credit to get a loan or anything so im confused
|
| 10/09/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
The names on the account are not the same names what's on my Driver 's license is not the same as the name on this credit reports agency information
|
| 03/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe this company any money. I dont have a contract signed with this company. I request for company to delete account from my credit report
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To whom this may concern.I would like to demand removal of these items. This issue has been infecting me. Im not able to get approved for anything.
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I keep getting collections calls for XXXX XXXX. I am XXXX XXXX. Every time, I correct them. They keep calling.
The number that called was XXXX
|
| 11/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Company has this account without my permission. I asked for validation of this debt and the company did not provide the contract is asked for.
|
| 12/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/ I sent a request for debt validation with my original contract and wet ink signature for accounts with XXXX XXXX XXXX Wakefield
|
| 06/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Wakefield & Associates is on my credit report as my owing them {$500.00}. This is not my debt and XXXX will not remove it from my report.
|
| 03/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
It's a medical debt being report on my credit report. XXXX XXXX should not be reporting my credit due to HIPAA law and violations...
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
My father stole my identity as a kid and a bunch of his stuff is on my report. Wakefield and associates is the collector
|
| 05/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
it say on my report i owe XXXX i never received any paperwork from them and i been on the phone with the them for 30min
|
| 04/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Ive never received any mail for this bill and it been on my since 2018 All I received is a call from a debt collector
|
| 07/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt : XXXX Date Posted : XX/XX/ Illegally submitted medical bill on credit and did not send a bill for payment due.
|
| 01/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im in the middle of a major purchase and bam a XXXX debt shows that I never purchased with no letters or anything.
|
| 03/14/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX in collections unfamiliar collections that I never seen before and I know I didn't do any of them
|
| 08/30/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Wakefield and associates 37 calls Fraud and Harassment Violation of the telecommunications act of 2003
|
| 10/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had insurance during hospital visits and Im being charged for bills that were covered by insurance.
|
| 07/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Well first thing I get is a writ of garnishment from my employer that's the only attempt I know about
|
| 04/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a text message about debt but have no idea what this is for or what it is for.
|
| 01/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
DEBT unrecognizable/ or re-aged/ unauthorized suddenly appeared into my credit profiles
|
| 12/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
Creditor listed as XXXX XXXX for {$710.00}. I dont know what this is in regards to
|
| 01/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have filed complaints through XXXX. And I was told I couldnt file a complaint.
|
| 03/14/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have contacted Wakefield several times disputing the inaccurate information.
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I have XXXX debts on my credit report that are not from me
|
| 07/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
I have VA health insurance. This bill does not exist
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
medical account on my report that is not authorized
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
Delete all errors on credit report and my scores
|
| 10/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have debts {$1600.00} I cant pay this it
|
| 09/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Not my debt have no knowledge of this
|
| 03/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this account does not belong to me
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I think tis inaccuracy. And wrong
|
| 01/29/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 01/19/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt or credit management
- Debt settlement
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 01/06/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/04/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/03/2024 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt or credit management
- Debt settlement
|
- Charged upfront or unexpected fees
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Debt collection
- Medical debt
|
- Electronic communications
- Contacted before 8am or after 9pm
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 12/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/20/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 12/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 12/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 11/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 11/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Phone |
Older American |
|
|
| 11/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 11/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 11/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Electronic communications
- Contacted before 8am or after 9pm
|
|
Web |
|
|
|
| 11/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2023 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 10/26/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 10/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 10/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 10/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Phone |
|
|
|
| 10/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/13/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 10/10/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/10/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/22/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 09/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/27/2023 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/23/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Older American |
|
|
| 08/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
|
| 08/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 08/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Phone |
|
|
|
| 07/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 07/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 07/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 07/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 07/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/12/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 07/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
|
| 07/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 06/30/2023 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/27/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/27/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/23/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 06/23/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 06/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/05/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 05/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 05/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
Older American |
|
|
| 05/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 04/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 04/12/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 04/09/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/09/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 04/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/28/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/27/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/18/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Phone |
Older American |
|
|
| 03/15/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/06/2023 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 02/21/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/11/2023 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/10/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 02/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/14/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 12/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|