Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (AL)

On XX/XX/XXXX I received an alert from XXXX XXXX regarding a derogatory mark being added to my account. Upon checking into this, Waypoint Resource Group placed this mark upon my credit. It states they are collecting on behalf of XXXX XXXX which has been aquired by XXXX XXXX. I had an account with XXXX from XX/XX/XXXX to XX/XX/XXXX. This account was paid in full and closed upon me moving. Fast forward 4 years and Waypoint Resource Group has hit my credit, collecting on the XXXX account that was paid in full and closed. I called Waypoint Resource Group XX/XX/XXXX and was told by a representative that indeed I owed this " debt '' for {$380.00} and I explained my account was paid in full and closed since XX/XX/XXXX. The representative stated this wasnt true and I owed the supposed debt and tried to collect on it. I explained for the second time, the account was closed and paid in full and the representative stated they would continue to hit my credit and collect and than they ended the call. I work in XXXX XXXX for a XXXX XXXX and am stunned at the collection efforts from this company. First off, I did not receive one phone call regarding this account by XXXX or Waypoint until my credit had a derogatory mark placed on it. I did not receive one written communication from either. Multiple compliance and regulatory laws were broken. FDCPA laws were broken immeditately since no collection attempt was given before credit hits. No debt validation was given. TCPA laws were also breached when the representative said they would continue to hit my credit and collect before they ended the call. The call recordings are recorded im sure, as well as documentation on there end of all collection attempts phone or written. The next step I will take if Waypoint doesnt stop all collection attempts and fix any credit marks is hiring an attorney and subpoena those collection efforts. There wont be any real attempts, because like I stated I havent received one phone call or written communication from XXXX or Waypoint. The only communication was a phone call placed by me to Waypoint XX/XX/XXXX. I am filing this CFPB complaint, a XXXX complaint and the next step will be hiring an attorney and contacting my state attorney general. After I talked with the representative at Waypoint, I noticed similar complaints on their XXXX site, and many if not all had the same issue with no collection attempts before credit hits were placed. In my circumstance, there was no debt since it was paid in full and closed XX/XX/XXXX, and there was no collection attempts to rectify their mistake before hitting my credit. They have numberous similar complaints all within the last month, so I dont know if they have system issues, employee issues or a lack of overall collection knowlegde. Just to reitirate, I want Waypoint Resource Group to stop all collection activity and fix any credit hits on an account with XXXX which was paid in full and closed XX/XX/XXXX. If they cant, an attorney will be hired and all collection activity with be subpoena, as well as the Alabama attorney general contacted and Texas attorney general since thats where Waypoint is located.