Consumer complaint received 2022-03-24
Company: Waypoint Resource Group, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Waypoint Resource Group XXXX XXXX  XXXX XXXX XXXX, TX. XXXX has been attempting to collect a disputed debt ( {$410.00} ) on behalf of XXXX, since XX/XX/XXXX. They have referenced XXXX different account numbers, for the same alleged debt ; recently XXXX and previously XXXX. This is to confuse me as a consumer, as to when the alleged debt, became effective. The attempts I have made to resolve are : Contacting Waypoint and verbally explain the reason for dispute, submitting my dispute in writing, along with provided a copy of a lease agreement, to support the fact I wasn't in XXXX  state, during the time it has been communicated that services were rendered ( XX/XX/XXXX through XX/XX/XXXX. When asking Waypoint what the amount due is for, they have advised of three different reasons : Unreturned equipment, once I sent in the receipt showing equipment was returned, the reason for balance given was, usage from XX/XX/XXXX through XX/XX/XXXX, once I sent in a copy of my lease agreement showing I was living in the state of XXXX, the third reason provided was the balance being collected on was for a cancellation fee. During all communications with Waypoint, the reiteration of this alleged debt being disputed, has been communicated, along with the request for statements, contracts and the recorded call of final payment as well as confirming there is a XXXX balance, was requested. None of the requested items have ever been provided by Waypoint. Recently, on XX/XX/XXXX, Waypoint contacted my spouse ( who is not on the original XXXX account ) and fully disclosed the purpose of their call, to include the intricate details of this alleged debt, requesting immediate payment. I have never given authorization ( verbally or in writing ), to speak to a third party or my spouse, on behalf of me. This is a direct violation of the FDCPA, which part of my request is to be compensated for this egregious misstep on their part. After my spouse notified me of the call he received from Waypoint on XX/XX/XXXX, I made a Credit Bureau inquiry, which resulted in derogatory reporting to my Credit Bureau. This in turn has decreased my XXXX score close to XXXX points. Waypoint has listed this alleged debt on my Credit Bureau as being concepted in XXXX, when in fact this has been an ongoing dispute since XX/XX/XXXX. Furthermore, this alleged debt is nearing the Statue of Limitation, based off of the state of Washington. I am requesting all derogatory reporting of this alleged debt, to be removed from all Three Major Credit Bureaus immediately ; XXXX, XXXX and XXXX. I have also submitted a formal dispute with all Three Major Credit Bureaus, along with this formal CFPB complaint. I have included the following attachments within this formal CFPB complaint, to support the invalid/erroneous claim of this alleged debt : Copy of Lease, Letter of Dispute, Copies of Letters of Disputes to all Three Major Credit Bureaus, Copy of Offer to Settle Letter from Waypoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation