Consumer complaint received 2021-10-15
Company: Waypoint Resource Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a contract with XXXX to provide services. I canceled the contract, and paid the final amount due. Then XXXX sent the account out for collections : XXXX had provided me an introductory offer which removed some new-account fees, but their systems are so atrocious that they charged me this anyways, which I disputed, but they weren't enthused to make right. So I sought the FTC 's help for this company 's tendency to exploit consumers. 

FTC complaint XXXX. XXXX 's response of XX/XX/XXXX, includes, " ... [ XXXX states that it has ] resolved the issue to your satisfaction. We're sorry this wasn't addressed sooner. If you require any clarification or further information about your complaint, please contact our XXXX Escalations XXXX, XXXX, at XXXX, extension XXXX. '' This XXXX, XXXX, XXXX alerted me to that Waypoint Resources Group ( Waypoint REF/file XXXX ) has repeatedly reported to the credit bureaus that I have an account out for collection which I have defaulted upon. This is fraudulent ; Waypoint 's only efforts to contact me have been robo-calls ; and Waypoint has never mailed me the letter which the FDCPA requires. Since XX/XX/XXXX ( when I provided the attached document from XXXX ), Waypoint has refused to deal fairly with me : Waypoint claims they can not unwind the violations of FDCPA that Waypoint caused because Waypoint has not had confirmation from XXXX that Waypoint has been sold a closed account, a phantom debt. Initially, it required four phone calls to speak with a Waypoint representative that would speak about anything other than how I would pay Waypoint. Waypoint 's business, as I have experienced it, is based upon preying upon consumers that are ignorant of the law or whom can be rough-handled on the phone and bullied into paying a thug to stop being a thug.

Waypoint is exploiting consumers ' ignorance of the Fair Debt Collection Practices Act. Multiple times, their agents have repeatedly told me that Waypoint is allowed to attempt to collect a debt using tactics that are in violation of the Fair Debt Collection Practices Act : that refusal to answer robocalls is understandable by Waypoint as me verifying the alleged debt as justly collectible ( I have always disputed this debt, always ) ; that the failure to provide me their documentation for sending me a letter to inquire and confirm whether they have a justly collectible debt is a violation of the FDCPA ; that refusal to acknowledge they have, of their own volition, caused repeated violations of the FDCPA such that their contract with XXXX does not determine whether Waypoint must unwind their illegal acts. To wit, Waypoint has repeatedly told me they are 100 % allowed to report this alleged debt to the credit bureaus as if Waypoint has a judicially enforceable debt which I have illegally avoided paying, until such time that I meet their blackmail demands.

I have damages : Waypoint refuses to fix the issues they illegally created with my credit report. Waypoint continues to file fraudulent reports on this phantom debt to the credit bureaus. 

Please protect this consumer against financial blackmail.

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