Debt collection -- Attempts to collect debt not owed -- Complaint #5313453
Complaint Overview
Complaint ID: 5313453
Company: Wakefield & Associates, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Georgia
ZIP Code: 30281
Date Received: 2022-03-12T12:00:00-05:00
Date Sent to Company: 2022-03-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In response to CFPB complaint # : XXXX, My name is XXXX XXXX XXXX XXXX protected consumer, and I am making this complaint against Wakefield & Associates for XXXX a cease and desist notice they received on XX/XX/XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given Wakefield & Associates any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibits A, B, C, D which is a copy of the accounts reporting on my consumer report, and a FTC report labeled Exhibit E that will be used when filing for litigation in Federal Court to this XXXX XXXX I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Wakefield & Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Wakefield & Associates any right to collect on this alleged debt. It is my belief that Wakefield & Associates are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from Wakefield & Associates before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Wakefield & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Wakefield & Associates can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Wakefield & Associates continues its collection efforts, I will file for litigation for actual damages caused and Wakefield & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Frequently Asked Questions
What is Complaint #5313453 about?
Complaint #5313453 was filed against Wakefield & Associates, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-03-12T12:00:00-05:00.
How did Wakefield & Associates, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Wakefield & Associates, INC.?
Yes, visit the Wakefield & Associates, INC. company profile at readthecomplaint.com/company/wakefield-associates-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.