Waypoint Resource Group, LLC

ACCOUNT IN QUESTION : Waypoint Resource Group LLC REPORTED BALANCE : {$630.00} DATE REPORTED : XX/XX/year> I. STATEMENT OF COMPLAINT & PREMISES I am formally filing this complaint against WAYPOINT RESOURCE GROUP LLC for severe, willful, and ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and federal consumer privacy standards. Waypoint Resource Group LLC is currently reporting an unverified debt of {$630.00} on my credit file while fraudulently misrepresenting themselves as the " Original Creditor. '' Waypoint is a third-party collection agency, not a original service provider. Reporting themselves as the original creditor constitutes a blatant, deceptive misrepresentation of the legal character, status, and origin of the alleged debt under 15 U.S.C. 1692e ( 2 ) ( A ). II.…

I am filing this complaint because XXXX XXXX XXXX has attempted to collect an alleged debt that I dispute. I do not recognize this alleged debt, I do not know the identity of the original creditor, and I do not acknowledge any legal obligation to XXXX XXXX XXXX or any creditor they claim to represent. XXXX contacted me regarding an alleged debt but failed to provide sufficient information for me to determine what account they were attempting to collect or why they believed I was responsible. I have formally disputed this alleged debt and requested documentation supporting their claim, including : * The identity of the original creditor. * Documentation establishing their legal authority to collect the alleged debt. * A copy of any signed contract or legally valid agreement bearing my authorization. * Proof that I received any funds, goods, or services related to the alleged debt. * A complete accounting of the balance claimed.…

Per " COMPLAINT ID - XXXX '' submitted on XX/XX/XXXX, Waypoint Resource Group , LLC, after multiple ignored requests, finally responded by providing a Bill Claim of {$220.00} issued on XX/XX/XXXXXXXX via email attachment on XX/XX/XXXX. The Email and the Bill Claim are attached. However, I have also attached the Subsequent Bill issued on XX/XX/XXXXXXXX proving that there was a Credit provided of - {$220.00} that ultimately created a {$0.00} Balance.

Account Number XXXXXXXX XXXX XXXX XXXX XXXX Condition Derogatory Responsibility Individual Current Balance {$310.00} Original Balance {$310.00} Limit Monthly Payment Last Payment Status Collection / Charge-Off Waypoint

I requested documentation showing that the debt is valid, including the date the debt was allegedly incurred, the original creditor, a copy of any contract or agreement creating the debt, and proof that the company owns or has the legal right to collect the debt. The company stated that the account is closed, they do not have the debt, they never purchased the debt, and they do not have a contract or supporting documentation.

I dispute the accuracy and completeness of this Waypoint Resource Group collection account. Please verify the original creditor information, balance, date of first delinquency, payment history, and your authority to report this account. If the information can not be verified as accurate and complete, I request that it be deleted from my credit file. If the account is verified, I respectfully request that Waypoint Resource Group and the original creditor consider a goodwill or courtesy deletion. I experienced financial hardship that contributed to this account becoming delinquent and have worked diligently to restore my financial stability. I would sincerely appreciate consideration of removing the negative reporting as a gesture of goodwill.

This past XXXX, Waypoint Resource Group showed up on my credit report for a XXXX account debt collection that I do not own. Waypoint never contacted me by phone, email, or mailing address. I have not used XXXX since the late XXXX and now this debt collection item is affecting my credit. How does anyone rack up a couple XXXX dollars in internet bill debt? Wouldnt the isp just turn your service off?

I am writing to formally demand that Waypoint Resource Group immediately cease and desist all communications to my mobile phone, dispute and terminate all collection activities regarding the alleged debt referenced, and remove/delete any associated record or reporting from my credit files.

Re : Formal Dispute and Demand for Debt Validation Pursuant to the FCRA and FDCPA To Whom It May Concern, This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding inaccurate, incomplete, or unverified information appearing on my credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I am formally requesting that you conduct a reinvestigation of this disputed information, and that you provide me with a detailed description of the procedures used in your investigation ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within fifteen ( 15 ) days of completing your reinvestigation. Furthermore, under 15 U.S.C.…

Waypoint is a debt collector that was attempting to collect a debt on behalf of XXXX. They reported this debt to my credit report, negatively impacting it. This is after never validating the debt as I had requested them to. Regardless, I went to the original creditor directly, and paid them months ago. I did not negotiate a lower amount or a deal, I paid the entire balance in full directly to the original creditor in exchange for them withdrawing the debt from Waypoint in order to terminate their collection authority and delete this from my credit report. However, Waypoint has not only refused to cooperate and delete this debt from the report, they are also XXXX ) falsely still reporting it as a valid debt to them, which is completely wrong and XXXX ) they marked the debt collection as settled for less than original amount which is flat out false and incorrect. They have ignored or refused multiple attempts to resolve this directly.…

XXXX XXXX XXXX confirmed that the debt was removed from my credit report for {$160.00} The company continues to send me text messages for collection and I follow the instructions to reply STOP to opt out and the continued to send the same collection text. It wasnt until XX/XX/year> when I texted STOP. And added that I will pursue legal action for harassment at XXXX that they finally responded with I was unsubscribed from XXXX on XX/XX/year> at XXXX. A week has passed and I received another collection XXXX from the same number.

This collection was just placed on my credit report I have no idea who they are they say its a XXXX the company is waypoint I do not have XXXX service I have XXXX I did not authorize this account or did I set up this account I will submit a copy of my XXXX bill

I am filing this complaint because XXXX XXXX XXXX is reporting and attempting to collect an alleged XXXX XXXX debt that I dispute. I have never been a XXXX customer and have never had XXXX XXXX service. After requesting debt validation, I learned the alleged account was associated with a service address at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, which is not my address. I reside in XXXX and have never lived at or used that address. I've attached my renters insurance showing my proof of address during the time the alleged debt was opened. The alleged debt also relates to an XXXX XXXX. I purchased my own XXXX XXXX directly through XXXX in XXXX and have documentation showing that purchase and my active XXXX account. I contacted XXXX XXXX XXXX Department, which opened an identity theft investigation and instructed me to complete a XXXX Identity Theft Packet. I have filed an FTC Identity Theft Report and am mailing the completed fraud packet to XXXX.…

My name is XXXX XXXX, and I am a resident of the XXXX of Florida. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I have worked hard to rebuild my life and restore my credit. While reviewing my credit report, I discovered a collection account reported by Waypoint Resource Group that I do not recognize. The account is reported as WAYPOINT Account XXXX XXXX XXXX XXXX with a balance of {$220.00} and was last updated on XX/XX/XXXX. I do not believe this account belongs to me. I have no knowledge of this debt, never entered into an agreement that would result in this collection account, and do not recall receiving any notice explaining the origin of this debt. I respectfully request that Waypoint Resource Group investigate this account and verify that it belongs to me. If the company can not provide sufficient documentation showing that I am legally responsible for this debt, I request that the account be removed from my credit reports.

I do not believe I owe this debt, and I have no knowledge of entering into any contract or agreement with your company. Because I dispute this account, I request that you provide verification and validation of the debt, including : * A copy of any contract or agreement bearing my signature that creates a legal obligation for this debt. * Documentation showing that your company has the legal authority to collect this alleged debt. * A complete payment history and accounting of the alleged balance. * The name and address of the original creditor, if applicable. Additionally, I have been notified that my personal information was involved in a data breach. As a result, I have concerns regarding the accuracy of information associated with my identity and whether this account may have resulted from inaccurate or compromised information. For that reason, I request that you conduct a thorough investigation before continuing any collection activity.…

Ive been disputing this account with XXXX since XXXX. This account is paid and was supposed to be deleted from my XXXX report. This same debt was held by two collections agencies and was paid to truaccord. Waypoint needs to be deleted from my credit report as shown in the attachments the account has been withdrawn from waypoint.

I am filing this complaint because XXXX XXXX XXXX continues to furnish a collection account to XXXX without providing adequate documentation to verify that the information being reported is complete and accurate. I disputed this account with XXXX. Following its investigation, XXXX stated that the account was verified as accurate. However, neither XXXX nor XXXX has provided documentation supporting that conclusion. The account is reported with a balance of {$1100.00} and is classified as a XXXX account. At the same time, the report identifies XXXX XXXX XXXX as the XXXX XXXX. Based on my understanding, XXXX XXXX XXXX is acting as the collection agency, and I am requesting clarification and documentation supporting why it is being identified as the original creditor. Additionally, this same account has already been removed from my XXXX credit report, yet it continues to be reported to XXXX.…

In early XXXX, a collection account from Waypoint Resource Group appeared on my credit report. I have never received any bills, notices, or validation from Waypoint or the original creditor explaining what this debt is for.The account shows a balance of $ XXXX ( enter the amount shown ), but I have never been contacted by Waypoint before they placed this on my credit report. I did not receive any written validation notice within XXXX days of their first alleged contact, as required by the XXXX disputed the account through XXXX XXXX and the credit bureaus beginning in XX/XX/year>. Despite these disputes, Waypoint has not provided any documentation showing that : I opened the original account I authorized any charges I owe the amount they are reporting They have the legal right to collect on this debtThe account remains on my credit report without verification, and it is negatively affecting my XXXX XXXX requesting that Waypoint Resource Group provide full validation of the alleged…

I saw waypoint resource group on my credit score for XXXX dollars, I did not know what it was for. I proceeded to call them with the information provided on their website to ask where the original debt was owed and if they could provide me written information to prove this debt was in fact mine. The man I talked to said he can not give me that information without me paying a {$1.00} fee. I told him I just need to know where the original debt was from he then again told me he can not provide that to me without charging me a {$1.00} fee and there was nothing more he could do for me. I told him thats not legal and he told me hes been working for this company for 7 years and they have been doing that for 7 years. I asked to speak to a supervisor he told me none were available. I asked if he could have a supervisor call me back he told me that he can try if they have time.…

I disputed this account with the credit reporting agencies because I questioned the accuracy of the information being reported. Despite the dispute, the account was verified without the debt collector providing me with documentation sufficient to establish that i am legally responsible for the debt or that the information being reported is accurate. I requested reasonable investigation and supporting documentation, but I have not received records that substantiate the reporting. I am requesting that the debt collector either provide documentation supporting the debt and its reporting or correct or remove any information that can not be verified.

XXXXaypoint Resource Group I am filing this complaint regarding a {$190.00} collection account being reported by Waypoint Resource Group on my XXXX credit report. I dispute a {$190.00} telecommunications collection account reported by Waypoint Resource Group ( account ending in XXXX ) related to XXXX XXXX. I contacted Waypoint Resource Group and spoke with a supervisor named XXXX. I was informed that the account had been returned to XXXX XXXX and was no longer being handled, owned, or serviced by Waypoint. Despite this, Waypoint continues to report the collection account on my credit file. Waypoint representatives were unable to provide me with complete account information and advised that additional internal departments, including their credit reporting department, would need to review the matter. If Waypoint no longer owns or services this account, it should not continue furnishing this information to the credit bureaus.…

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/year> RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA XXXX To XXXX XXXX XXXX XXXX This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3.…

I dispute the accuracy and legal enforceability of the account that Waypoint Resource Group LLC is reporting on my personal consumer credit reports. I believe this account originated from a Spectrum business account rather than a personal consumer account. Despite this, Waypoint is reporting the account as an Individual Account on my consumer credit reports. I requested validation of this alleged debt and documentation establishing that I am personally liable. Specifically, I requested documentation showing that I personally entered into the agreement, any signed application or personal guaranty, the complete billing history, an itemized accounting of the balance, and documentation establishing Waypoints authority to collect this debt. To date, Waypoint has continued furnishing information to the consumer reporting agencies without providing documentation establishing my personal liability for this alleged obligation.…

I started getting text messages from an unknown number saying they were waypoint resource group and sent me two messages in the same day on XX/XX/XXXX then again XX/XX/XXXX and again XX/XX/XXXX to which I responded STOP and then the messaged me again XX/XX/XXXX after I said STOP so I responded with STOP twice then again messaged me XX/XX/XXXX to which I responded yet again STOP about five times hoping they would get the hint they did not they messaged me again XX/XX/XXXX and again on XX/XX/XXXX to which I responded STOP and that this is a cease and desist request and told them my employer doesnt allow personal communication during work hours because I could get in trouble then they texted me again on XX/XX/XXXX the XXXX and today the XXXX I have repeatedly asked them to stop and they havent this has been going on for awhile now and I need it to stop because I havent had a debt with XXXX

Waypoint Resource Group has contacted me repeatedly through automated calls and automated text messages. These contacts came from multiple rotating phone numbers between XX/XX/year> and XX/XX/year>, as shown in my call log. The calls and texts continued even after I sent a clear STOP request. I attempted to send a written demand and debt validation request to several Waypoint compliance email addresses on XX/XX/year>, but every email bounced. Because all of their compliance inboxes reject messages, I have been unable to exercise my rights to request validation or communicate in writing. Waypoint has not provided any debt validation, has continued contacting me after I revoked consent, and has used automated systems and rotating numbers to reach me. The combination of repeated calls, automated texts, STOP violations, and blocked email channels has created a pattern of harassment and noncompliance.…

I am disputing these collection accounts because the same {$90.00} debt is being reported by multiple debt collectors. This appears to be duplicate reporting of a single debt, which is causing inaccurate and misleading information on my credit report. Please investigate and verify which company has the legal right to collect and report this debt. If the debt has been transferred or sold, any collector that no longer owns the debt should remove its reporting. I request that any duplicate, inaccurate, or unverifiable reporting be deleted from my credit file.

I moved into XXXX XXXX XXXX on XX/XX/XXXX. I moved into a two-bedroom with XXXX children : XXXX Girls and XXXX boy. I stayed in that 2-bedroom until I was able to afford to move into a bigger 3-bedroom apartment. I paid XXXX for the security deposit and the first month 's rent. I was placed on a wait list for the 3-bedroom apartments. In XXXX, I was awarded for the 3-bedroom apartment. I had to pay more money for the security deposit to move into the 3-bedroom. Now my rent increase went up to XXXX monthly. I paid the remaining balance and then moved into the 3-bedroom. I was harassed every day by my new property manager, XXXX. She made me so XXXX because of the harassment ; I was forced to move. She would enter my apartment building while I was at work and my kids were home alone, and they were ages XXXX and XXXX. I was put on XXXX XXXX due to the harassment. I do not owe any move-in fee for this property because I have lived there for 8 years.…

Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to WAYPOINT RESOURCE GROUP. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that WAYPOINT RESOURCE GROUP currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ).…

Waypoint Resource Group , LLC sends me constant text messages, I consistently Opt-out and then they continue to send me more. They call me and I ask them to stop, then they call me back. I see the name of this company like everyday some how, I get a letter in the mail multiple per week.

I have been contacted be XXXX over a dozen times this year. I informed them multiple times to stop contacting me and also placed myself on their Do not call list. They have continued to contact me through multiple numbers, despite being blocked.