Consumer complaint received 2023-08-02
Company: W&A Intermediate Co., LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
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.

Company response to consumer: Closed with explanation