Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Consumer Financial Protection Bureau Washington XXXX DC XXXX File A Complaint Dear Sir/Madam, The purpose of this letter is to report a breach of contract with US Cellular XXXX XXXX mobile phone company XXXX in Iowa XXXX XXXX The contract I had with them which started on XX/XX/XXXX was a pay as I go contract with my mobile XXXX with the A/c # XXXX. The monthly bill agreed upon was {$76.00}, but as time went by, I recognized that I was being overbilled for some reason unknown to me. For instance, in XX/XX/XXXX, I was billed {$580.00}. There were changes in the monthly charges before XX/XX/XXXX, but as the discrepancy became so very outstanding in XX/XX/XXXX, I contacted them to know what was going on. Their response was that the charges were for the international calls I made. 

I went in details to explain to them that I did not use their services for making international calls, that I used an App called XXXX for all my international calls and whenever XXXX failed in their services, that I used another phone company called XXXX which I paid to use their services. After my discussion with them in XX/XX/XXXX, I requested for the refund of my fund but they did not, instead they went on to repeat the same overbilling process in XXXX in a more profound manner which forced me into closing my bank account. I had set up an XXXX pay with them which gave them the opportunity to have access to my bank account information and as a result, they were accessing my fund without my consent. Examples of the discrepancies included the following ; in XX/XX/XXXX, I was billed {$82.00}, in XX/XX/XXXX, {$76.00}, in XX/XX/XXXX, {$580.00}, in XX/XX/XXXX, {$1200.00}, & in XX/XX/XXXX, {$1000.00}. 

After I closed my bank account & they found out that they could not access my fund any longer for XXXX bill, they then posted the XXXX bill which was {$1000.00} on XXXX XXXX XXXX for me to pay. I refused to pay this bill because it was not in consonant with the contract I had with them. I contacted them again on this matter & reminded them that I switched to another phone company on XX/XX/XXXX after I have spoken with them, but they insisted I must pay the XXXX bill. Personally, I couldnt fathom why I have been charged {$1000.00} for XXXX when I switched to XXXX on XX/XX/XXXX, the same day I contacted them. It didnt make any sense at all. Yet, they continued to insist that I must pay the bill. Even when I told my banking institution about the case, they contacted the bank & convinced them to ask me to pay the bill. I guessed it was because they do not know how XXXX works, but it didnt sound right. 

Before & after I had the contract with XXXX XXXX, I had the services of other phone companies and never had this issue with any of them. Yet, I have been making international calls with XXXX XXXX XXXX the same way with my mobile phone. Wondering why theirs is different. There must be something wrong somewhere in the way they programmed their services with the phone. XXXX is my current phone company for your reference ; I am not having any issue with them at all. 

Currently, XXXX XXXX has referred this wrong bill of {$1000.00} to XXXX XXXX XXXX to damage my credit. I used XXXX & XXXX for all my international calls & not XXXX XXXX, & therefore should not be billed for services they did not provide. I hereby dispute all those overbillings & request for the refund. Kindly investigate this matter on my behalf and assist with a fair and proper resolution. 

Thank you for your assistance. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX

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