Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX, I opened a XXXX internet, home security and tv plan. In XX/XX/XXXX I notified them that I was moving to a different state, and that my new residence already had a XXXX account and that I could not transfer service. I was told that I would not be charged a cancellation fee. I was not charged the fee, and there was no account reported to the three credit agencies, XXXX, XXXX or XXXX. 
In XX/XX/XXXX, I opened a XXXX home internet account and had no prior balance and no deposit required as per XXXX. 
I have a XXXX account that monitors my credit reports continuously with all three credit agencies and received an app notification that on XX/XX/XXXX, I had a " new collections '' in the amount of {$720.00} from XXXX XXXX via Waypoint Resource Group. I had received zero communication from Waypoint Resource Group ( as required by law ) about the alleged debt owed, was given no opportunity to dispute or validate the said debt. 
I contacted XXXX immediately and they verified that I had no such balance, as I was a current customer and they had no record of any such debt and that I would not be able to be a current customer if there was any prior debt. 
I contact XXXX again XXXX spoke with a manager, and recorded the conversation ( all allowable by law ) and it was verified, again, that the debt was invalid. 

The Federal Fair Debt Collection Practices Act requires that a collections agency contact you in writing to notify you of an debt, and must provide 30 days for you to dispute the validity. 

Waypoint violated Federal Law by not notifying me of the alleged debt, and instead immediately reported the debt as valid to the XXXX credit reporting agencies without any notification, as soon as I opened an account with XXXX in XXXX of XXXX. 

I remained in good standing with XXXX  despite the fraudulent collections claim, and closed my account in XX/XX/XXXX, paid in full and with a refund received. 

In XXXX of XXXX, I disputed the validity of the collections with Waypoint via XXXX, XXXX and received notification that the debt is valid despite the violations of Federal Law, and received no proof of the validity. I called the number XXXX provided as their contact number ( XXXX ) and their number is disconnected. 

Waypoint has had numerous lawsuits against them for violations of Federal and States laws, yet they are still allowed to be in business. XXXX, who reported the collections as 'valid ' despite no proof, is also complicit in this. 

As per Federal Law, Waypoint is required to notify me, in writing, of any alleged debts and allow me 30 days upon receipt to dispute the validity. Waypoint reported the debt to collections agencies in violation of Federal Law the same month that I opened a new account with the alleged creditor, proving that they had my current address and other contact information to initiate the legally required notification of a debt. 

Additionally, Waypoint reports the 'original ' and 'current ' amount at {$720.00} as beginning on XX/XX/XXXX, the same month that I opened a new account with XXXX. This demonstrated Waypoint 's illegal and predatory business practices. They must removed my collections account to all credit reporting agencies as required by Federal Law. 

I've attached the results of my dispute with XXXX, the initial XXXX bill dated XX/XX/XXXX for the services started in XX/XX/XXXX, the final bill showing XXXX balance dated XXXX, XXXX. I have the recorded phone conversation with XXXX stating that the collections account is fraudulent, but the file is too large to attach here. I can provide it upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation