Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Good afternooon My account balance was paid in full XX/XX/XXXX, in the amount of {$1200.00} which covers a balance of {$680.00} and {$530.00} for XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Your office reported my account to Wakefield & Associates Collections on XX/XX/XXXX erroneously. I received a collection letter from Wakefield on XX/XX/XXXX. I called Wakefield and informed them that I paid XXXX XXXX XXXX {$1200.00} on XX/XX/XXXX, which was the full amount and I asked that they do not post anything to my credit report. I also called XXXX XXXX XXXX to confirm that my full payment of {$1200.00} was received and that my account was satisfied. I also informed XXXX XXXX XXXX that I received a collection letter from Wakefield Collections. I was told by a representative in billings that they would research the matter and they assured me that they would coordinate with Wakefield to resolve the situation. 

On XX/XX/XXXX, I received a notice from the XXXX Credit Bureau that a XXXX collections was posted to my credit report from Wakefield Associates LLC one for {$530.00} and XXXX for {$680.00} for a bill from XXXX XXXX XXXX. This incorrect collection caused my credit score to instantly drop 46 points. 
I called XXXX XXXX XXXX and spoke to supervisor XXXX XXXX did not give me her last name, but told me that everyone knew her as XXXX ) I explained everything to XXXX and she was able to verify that they received the payment for {$1200.00} on XX/XX/XXXX, and that she would elevate my case for resolution and that she would call me back. XXXX XXXX also asked me to email her a copy of the collection letter to this email along with a copy of my payment receipt. I emailed XXXX XXXX XX/XX/XXXX the requested documents to this email address while on the phone with XXXX XXXX and she verified receipt of my documents while on the phone with me XX/XX/XXXX. 

I explained to XXXX XXXX that a collection was posted to my credit report causing my credit score to instantly drop XXXX points. I also explained to XXXX XXXX that I was in the process of obtaining a mortgage loan and this would have a negative impact on my credit and could impact my loan chances. I explained to XXXX XXXX that the needed this matter resolved immediately so I could pursue my mortgage loan and I asked that XXXX XXXX call Wakefield Collections to have the collection removed. 
XXXX XXXX told me that she would research the matter and that she would call me back. I explained to XXXX XXXX that the collection agency said that they would only remove the information once they received notice from XXXX XXXX XXXX to remove the information. 
XXXX XXXX told me that she would expedite the matter and that she would called me back soon. 
I called and emailed Wakefield Collections to request an investigation on XXXX, XXXX, XXXX, and to request that the collection be removed from my credit report. The email was sent to cr-myaccount@wakeassoc.com along with my paid receipt for the total of {$1200.00} dated XX/XX/XXXX. 
I also disputed this collection with all XXXX major credit bureaus. 
Since I did not get a return call from XXXX XXXX I called several times but was unsuccessful. I called XXXX XXXX XXXX XXXX on XX/XX/XXXX no answer was told not available, I called again XX/XX/XXXX no answer, called again XX/XX/XXXX was told that the message would be passed on to XXXX XXXX and that she would call me back. I also called Wakefield Collections XX/XX/XXXX, and was told that they sent a request to XXXX XXXX XXXX and that they are still waiting for a response from XXXX XXXX XXXX as of today they have not received a response from XXXX XXXX XXXX XX/XX/XXXX. 
My dispute from the Credit Bureau was completed and the collection was not removed from my report because the Collection agency is still standing by the debt since they have not received a response from XXXX XXXX XXXX. 
This email is a request that XXXX XXXX XXXX remove all damaging false debts related to this bill from my credit report and to ask that XXXX XXXX XXXX report and file a correction to my credit reports and alll XXXX credit bureaus and to have the Wakefield Collection agency remove collections from my credit reports and all XXXX credit bureaus. I also would like a letter sent to me showing that this matter has been resolved. I am seeking immediate resolution to this matter and a complete restoration of my credit score and credit reports. This is a demand letter and a request for immediate resolution. This situation has caused me harm to my credit score and credit standing and has caused me time and stress. I ask that this be resolved immediately. I also request that I receive a letter and a phone call notification of resolution when this matter is resolved. 
This bill was my portion after insurance for an XXXX XXXX This was paid in full on XX/XX/XXXX, prior to being sent to collections. Wakefield Collection Associates LLC was made aware by me that this bill was paid in full before they posted this collection to my credit report. This is ridiculous and it should not be allowed. Meanwhile, my credit score dropped 46 points and Im left in limbo having to send countless hours and time to fix this mess. I sent this letter tXXXX XXXX XXXX XXXX via email and Im waiting to hear back. Ridiculous

Company response to consumer: Closed with explanation