Waypoint Resource Group or WRG is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Waypoint Resource Group – WRG?
Waypoint Resource Group, LLC (WRG) is a third-party collection agency based in Texas. WRG has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and using false or misleading information in an effort to collect a debt. If WRG has contacted you about past due financial obligations,be sure you understand your rights before you respond.
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Is Waypoint Resource Group a scam?
They’re legit. According to the Better Business Bureau (BBB), Waypoint Resource Group, LLC is a legitimate collection agency founded and incorporated in 2012. The BBB established a profile page for WRG in 2017. The BBB lists WRG lists Trellis Company as a related business. Buzzfile does not have a listing for WRG, but does have a listing for Trellis Holdings, Inc. Buzzfile estimates Trellis Holding, Inc.’s annual revenue at $1.7 million and the size of its headquarters staff at 10 employees. Buzzfile also indicates that Trellis Holdings, Inc. has a website at www.easerv.com, but that web address leads to a page that says, “This site can’t be reached.”
According to its website, WRG“offers key advantages in the areas most important to successful accounts receivable solutions, including a pristine compliance record, …leading technology, experienced first- and third-party agents, …high rates of success across all age groups, …and high-touch program management.” WRG states that it “partners with businesses to build programs based on a holistic view of the… customer journey.”
WRG accepts delinquent accounts from four main areas of industry—automotive lenders; cable, satellite, and telecom providers; energy and utility service providers; and healthcare providers. WRG’s automotive division provides first- and third-party customer contact solutions; multi-channel, audit-focused contact methods; specialty collections; skip tracing; pre- and post-write off solutions, including deficiency, liquidation, and remarketing; and legal and pre-legal services. Their cable/satellite/telecom division adds outsourcing; inbound and outbound customer service; consulting; upsell and cross-sell; and collateral strategies. WRG’s healthcare and utility service provider divisions also offer small balance recovery solutions.
WRG states that it “works to produce strong revenue and customer relationships…in a fully-compliant environment… and employs operating values…that include treating people with respect and acting with the highest integrity.” WRG is part of the Trellis family of companies, whose “philanthropic programs have provided financial, research, and educational resources for students and families.” WRG cites affiliations with professional associations such as the International Association of Credit and Collection Professionals (ACA International). However, their resources page is dedicated exclusively to industry-related business solutions and does not address concerns about consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Waypoint Resource Group?
As of January 2019, the BBB has closed 69 complaints against Waypoint Resource Group in the preceding three years, with 64 complaints closed in the previous 12 months. The vast majority of those complaints cited problems with billing and collections. Since June 2017, the Consumer Financial Protection Bureau (CFPB) has closed 101 complaints against WRG. Justia lists at least 2 cases of civil litigation involving WRG.
Can Waypoint Resource Group Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely WRG would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Waypoint Resource Group?
Absolutely. Here are some Sample Complaints
Complaints against Waypoint Resource Group frequently cite problems resulting from questions about the validity of debts and the accuracy of information reported to the credit reporting agencies. In December 2018, a complainant stated that WRG had “placed four negative reports on his credit without notifying him, …and although the items have been reported as fraudulent charges by the original creditor …they continue to place negative reports on his credit report.” The complainant stated that there “are supposed to be laws that require businesses to contact the person prior to this happening.” However, the complainant stated that he had “not been contacted by this company once, and their main phone line is a voicemail that requires callers to leave a number, but no one returns your call.” In its response, WRG acknowledged the complainant’s concern and stated that they had contacted the client. The client “requested that WRG inactivate the account and update it to a $0.00 balance while they continue their investigation into the possibility of fraud/ID theft.” WRG “apologized for any inconvenience that the consumer has experienced as a result of this matter.”
In another December 2018 complaint, a complainant alleged that WRG had “placed a collection…item… on all three of his credit reports, as well as placing the same collections account three different times on one of his reports.” The complainant stated that he had “never received a debt collection letter from WRG in order to attempt to validate… the alleged debt.” The credit entries allegedly state that the complainant “was a customer with Comcast in 2014 and that he had an outstanding bill.” However, the complainant insisted that he is a current “Comcast customer as of January 2018,” and that “prior to January 2018” he had been “a Comcast customer that ended service in late 2011 and/or early 2012.” Furthermore, “when he ended his service, he had paid his final bill and never heard from Comcast or any other debt collector concerning an outstanding bill.” The complainant concluded by stating that it “has been 6 years since he paid his final bill that WRG is claiming that he owes.” In its response, WRG dismissed the complainant’s claims and insisted that the debt was valid, citing invoices for unreturned equipment. The complainant rejected the response, stating that Comcast had “never provided the attached bills to him, and that he had paid for all services rendered to Comcast back in 2011 when he moved from the noted address… on the bills.” In addition, he has “been a Comcast customer for a year currently and Comcast has never contacted him about this alleged bill.” He also alleged that WRG “falsified information on his credit report, stating that the alleged bill was closed in 2014. However, he did not have Comcast service in 2014 and… was not living at the address stated on the alleged debt since late 2011.” WRG insisted that the information they reported was consistent with what the client had told them, and that the complainant should take up the dispute directly with Comcast.
Waypoint Resource Group Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Stop Debt Collection Harassment
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.