Consumer complaint received 2023-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (AZ)

Complaint:
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.

Company response to consumer: Closed with explanation