Updated on January 29th, 2025 Author: stopcollections | Editor: admin

Consumer Against Wakefield & Associates, Inc

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

The following is a summary of consumer complaints submitted to the Consumer Financial Protection Bureau (CFPB) regarding Wakefield & Associates (W&A Intermediate Co., LLC). If you believe your rights have been violated by a debt collection agency, you have options under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Free legal assistance is available to help you protect your rights.

Key Complaints Reported by Consumers 

Failure to Provide Debt Validation Upon Request: 15
Incorrectly Listed Debts on Credit Reports: 12
Harassment and Unwanted Communication: 9
Disputes Ignored or Improperly Handled: 7
Unauthorized Use of Personal Medical Information: 5

Failure to Provide Debt Validation Upon Request

Consumers frequently report that Wakefield & Associates fails to provide proper validation of debts when requested. Despite reaching out to request clarification or documentation of debts, many receive no response. This violates consumer rights, leaving individuals without answers about the legitimacy of the debts being pursued.

Your rights under the FDCPA and FCRA:

• Debt collectors must provide proof of the debt within 30 days of a validation request.
• If they fail to validate the debt, they cannot legally continue collection efforts.
• You have the right to dispute the debt and request all collection activities to cease until validation is provided.

If you’ve experienced this, speak with a consumer law expert for free to help exercise your rights.

Incorrectly Listed Debts on Credit Reports

A significant number of complaints highlight the reporting of incorrect debts to credit bureaus. Consumers have discovered unfamiliar debts on their credit reports with no prior notice or explanation, leading to lowered credit scores and difficulties accessing credit or loans.

Your rights under the FDCPA and FCRA:

• You can dispute errors on your credit report directly with the credit bureaus.
• Debt collectors must report accurate information. Failing to correct incorrect reporting violates federal laws.
• Credit bureaus are required to investigate and resolve disputes within 30 days.

If your credit report contains inaccuracies, consult with a legal professional to resolve the issue and protect your financial reputation.

Harassment and Unwanted Communication

Many consumers report experiencing aggressive tactics from W&A, including constant calls and messages—even after requesting that the communication stop. This harassment creates immense stress and anxiety, particularly for individuals trying to address their financial concerns.

Your rights under the FDCPA:

• You can send a written “cease communication” request to stop harassment.
• Debt collectors are prohibited from using abusive, unfair, or deceptive practices.
• Harassment, including incessant calls, constitutes a violation of federal law.

If you’ve faced harassment from a debt collection agency, legal counsel can help put a stop to it at no cost to you.

Disputes Ignored or Improperly Handled

Consumers voiced frustration with how disputes are managed. Many report instances where disputes about debts are ignored or dismissed outright, making it nearly impossible to resolve issues appropriately. This lack of transparency raises concerns about accountability within the agency.

Your rights under the FDCPA and FCRA:

• Debt collectors are required to investigate disputes and provide verification if requested.
• If no verification is provided, the collector must cease pursuing the debt.
• Consumers can seek damages for legitimate disputes dismissed without investigation.

Need help navigating unresolved disputes? Get connected with a consumer protection attorney for guidance.

Unauthorized Use of Personal Medical Information

Consumers have also reported concerns about the misuse of personal medical information. Instances of medical debts being collected without disclosure agreements or signed documentation raise significant privacy concerns and may violate privacy laws.

Your rights under the FDCPA and HIPAA:

• Debt collectors cannot demand payment for medical debts without proper documentation or authorization.
• The unauthorized dissemination of medical information may violate HIPAA and other privacy laws.
• You have the right to file a complaint and seek damages for privacy violations.

If your private information has been mishandled, speak to a legal expert to understand your options.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with Wakefield & Associates, it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

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