Wilber and Associates, P.C.

2017-08-02

Leeton, UT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a letter from Wilbur & Associates, P.C. in XXXX, Illinois, claiming a debt of {$9900.00} was owed to them on behalf of their client. They claim that I was in an auto accident with the client on X/XX/2017. There is no accident report filed, and no proof given ( no report of the model of the car involved, license plate number, etc ). This is a bogus, scam claim. The company is threatening that they will send their documents to the state for review in order to get my license and registration suspended.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-07

Latrobe, PA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-24

Hagerstown, MD

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-15

Chicago, IL

False statements or representation

Debt collection: Auto

Indicated committed crime not paying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-22

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-08

Spirit Lake, ID

Communication tactics

Debt collection: Auto

Threatened to take legal action
Complaint: Several of the issue choices above apply to this complaint. I received a debt collection letter from Wilbur & Associates, dated XXXX/XXXX/XXXX stating their client had compensated it 's insured for a loss, etc. etc. etc. ( A copy of which is attached ) & stated that they wanted to settle things with me in an amicable fashion & my cooperation was required to REACH a complete resolution so I needed to make a check payable to XXXX in the amount of {$3700.00} & mail it to them XXXX Wilbur & Associates ). Then approximately 1 week later, roughly around XXXX XXXX or XXXX XXXX, I received a telephone call from a XXXX representative while I was at work & the person I spoke with kept trying to get me to admit & commit to paying this {$3700.00} & when I kept telling him I did n't know what he was talking about he started threatening me with having my license suspended, and how he was going to enjoy me having to crawl back to him in order to get my license back if I continued to refuse to pay this debt. I finally became so angry that I hung up on him and decided to seek out legal help to write a letter to this Wilbur and Associates, demanding that they validate the debt and that they nor their client XXXX, initiate any further contact with me other than through writing. This letter was then mailed out to them, with return receipt requested ( a copy of which is also attached ). Wilbur and Associates failed to validate the debt as described by the FDCPA and provide me the correct documentation I requested within the allotted time, therefore making this claim voided & closed. On XXXX/XXXX/XXXX, I received a letter from Wilbur & Associates ( a copy of it & it 's content is attatched ). It was at this time I had decided to file a complaint and before I could do so I have received yet another letter, dated XXXX/XXXX/XXXX, this one being from XXXX, demanding payment in the amount of {$3700.00} for their client XXXX. ( a copy of which is attached )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-01-27

Glendale, CO

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I was involved in an auto accident last year and unfortunately my insurance refused to pay for the damages. Last month I got a call from Wilbur and associates who informed me I owed a debt due to the damages that took place during the accident. The representative I spoke with scared me and told me my Drivers license would be suspended if I did n't pay the bill. I informed her that my boyfriend and I are barely making ends meet, and it would be impossible to pay he debt off. The person I was speaking to informed me again if it was n't paid she would in turn have my Drivers License suspended. She told me in order to avoid that I would need to pay {$900.00} plus per month. Although I agreed to the payment, I in turn knew there was no way my family and I can afford to pay that per month. I was scared, and did n't know what to do and I was intimidated in setting up the payment arrangement in order to avoid my Drivers License from being suspended. I then called a friend to help me and told him I could pay {$200.00} a month at the very most. I also learned that a judgment had to be obtained before my driver 's license could be suspended in the state of Colorado, but they told me it would be suspended by the end of the month. I 'm really confused on what to do. We 're willing to make payments, and they informed us that they would take them, but it would n't stop them from suspending my driver 's license. I also had a friend to help me, and he agreed to call in and speak on my behalf. He called them, and they informed him the same thing. The rep also told him to tell me to open a Credit Card to pay the debt. There 's no way I can do that. I ca n't go into more debt, just to pay another debt. The company refuses to work out a reasonable payment plan and I feel there 's nothing we can do. I feel we 're being taken advantage of and this has caused emotional stress that 's unbearable. We do n't know what to do. If we ca n't drive we ca n't get to work, buy food for our family, and live.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-30

Houston, TX

Communication tactics

Debt collection: Auto

Threatened to take legal action
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-13

WA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: Wilber & Associates received this case from XXXX, whom I had already provided documentation from WA State of title transfer for the vehicle involved in this case on a date well-prior to the claim date. This correspondence in its very existence is harassment since XXXX should have not passed my information on to an additional collection agency. Additionally, the language in the letter is threatening in that Wilber & Associates alleges that they " are attempting to resolve this matter in an amicable fashion '' however the options listed for responding only include 1. payment and 2. providing insurance coverage information and do not include an option for disputing that I am responsible for the debt being collected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-02

SD

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Complaint: * XX/XX/2016. i got into a car accident. *I was in my mothers car. my mother did have insurance with wind haven. i was not on her insurance. *I was at fault. *6 months later ( XX/XX/XXXX ) i received a letter from " XXXX subrogation Department ''. *That letter stated " YOU ARE LIABLE FOR PAYMENTS THAT XXXX MADE TO ITS POLICYHOLDER AS A RESULT OF THE LOSS. THE DAMAGES ARE {$7800.00} '' * On XX/XX/2016. i got a call from " wilber & associates '' * The case number they had on file was the same as the one on the letter from " XXXX ''. * This company told me that i no longer owe the {$7800.00}. now its SUDDENLY {$120000.00}. *They told me that if i do n't pay {$250.00} a month starting this month that they would get my FL drivers license suspended. and that if i did n't start those payments that they would not allow me later on to negotiate a payment plan. * I NEVER got mail from them before this phone call. *I told them that i would not make payments until they mailed me proof that i owe that amount. * They then got Mad, were very rude, practically Threatened to ruin my MILITARY career, spoke over me, then hung up the phone. * After several attempts they sent me their " proof '' for some of the debts. MOST of the proof were mearly Estimates of the damages. * Heres what they 're charging me -total loss XXXX : {$9100.00} - Net salvage : - {$1600.00} -Rental Reimbursement : {$230.00} -XXXX : {$4700.00}. They sent me paperwork for everything EXCEPT the XXXX, they refuse to show me any type of proof of where those {$4700.00} were even spent on. no proof at all that the other people involved even went to the hospital for any type of injuries. the person handling my claim even told me that i am a " NOBODY '' and that i have NO right to see proof of that paperwork. he also told me that they DONT have that paperwork which I 'm sure they do n't, but at the same time he said that the other person involved had a XXXX. contradicting himself. *i have explained MULTIPLE times to them that i have no problem paying as long as there is accurate paperwork to support their claims. * the police report says that there were NO INJURIES!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-24

Dallas, TX

Communication tactics

Debt collection: I do not know

Threatened to take legal action
Complaint: We were in an auto accident and did not have insurance. XXXX contacted us on behalf of their insured and said they were going to fix the car and bill us for his repairs. His car only had a broken headlight, so we agreed with XXXX billing us. They sent our information to a third party without letting us know and now we are being charged {$2900.00} Wilber and associates contacted us regarding this debt and would not work with making payment plans. When I said we did n't have money to make $ 300 monthly payments, they stated that was n't their problem. They threatened to suspend our driver license and we are willing to pay, but that seems excessive for a broken headlight. They wo n't hear us out to make payment plans less than {$100.00}, wilber and associates staff is very rude..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

Manhattan, NY

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Used obscene/profane/abusive language
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-13

New Rochelle, NY

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Brentwood, TN

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Maplewood, MN

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-04

Bremen, GA

Taking/threatening an illegal action

Debt collection: I do not know

Threatened to sue on too old debt
Complaint: Wilber & Associates continues to harass me and collect a debt from me that I do n't them. I never established a contract with this company at all. I really dislike how they are threathing me with legal action. That is in complete violation of the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-07-25

Walden, CO

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-16

Atl, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Plano, TX

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-09

Columbus, OH

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: I received a letter for Wilber & Associates on XXXX XXXX asking me to pay {$540.00} for an accident that they say happened when a person I have never heard of crashed my car. My car has never been in an accident. They have called and harassed me on the phone, asking me for information but not providing me with any information. They sent me a letter on XXXX XXXX threatening to suspend my license. This company is disgusting and I want them to be stopped. This is a scam and I ca n't believe these people are not in jail.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-12

Hinsdale, IL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: On XXXX/XXXX/XXXX I was contacted by Wilber and Associates regarding an accident I was in on XXXX/XXXX/XXXX and to call back with the case number XXXX. When I did I was connected to a woman who identified as XXXX who stated that I owed over {$7000.00} to XXXX XXXX as I was found at fault in the accident and I had no insurance. I informed her that this was incorrect, the accident was no fault, and, not only do I have insurance, I have full coverage insurance. At this point she became rude, yelling and refusing to let me talk, and stated that she will file with the state to have my license and registration suspended if I do n't pay. I again told her no, and that I would have my insurance contact them to verify what I had said. She continued to yell and tell me she was a lawyer and that they had already been to court to settle this and I missed the court date. At no time was I sent a summons and had received nothing in writing from this company, so I was unable to sent a letter disputing the validity of this debt as I had no address for them and was unable to find one. I contacted my insurance agency on the same day, and they stated that I had nothing to worry about, they were unable to suspend my license as I had full coverage and was not deemed to be at fault, that they would contact them and clear it up. On XXXX/XXXX/XXXX my insurance company stated that they refused to speak with them when they called. I heard nothing again until XXXX/XXXX/XXXX, at which time I received a letter in the mail stating that they sent a request on XXXX/XXXX/XXXX to XXXX to suspend my license. I called them at the number and they stated that my insurance told them they are not responsible for this money and therefore I am uninsured at the time of the accident. I told them this is not what my insurance had informed me, she said it 's going to go through no matter what I say. I told her that they need to speak with my insurance agency otherwise I will be calling back with a lawyer, at which time she hung up on me. I called my insurance back and they stated again that there is no debt I am obligated to pay in regards to the accident.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-10

Chicago, IL

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Used obscene/profane/abusive language
Complaint: While attempting to negotiate some sort of settlement with Wilber Law Firm/Group, etc., I was repeatedly spoken to with complete disrespect. The representative XXXX, was rude and unprofessional on most every call I 'd ever experienced with her ( about 4 or 5 ). After several unsuccessful attempts to negotiate a reasonable repayment plan and consistently being spoken to like a useless bum of some sort, I eventually decided I 'd need to find a different route to settle this debt especially being that all of the harassment was coming from a " debt collector ''. I later learned that law firm had already sent a letter to the DMV causing my driving license to be suspended months earlier. I am currently in the process of researching if the action was even a legal one on their behalf. I even mailed a letter to the firm during all of this informing them of the tactics being used to force me to pay the debt. Who responded? XXXX. When I called for the last time to attempt speaking with a different person ... again I was taunted my none other than XXXX. When requesting verification of the debt, she mailed me cut off documents that explained none of what I 'd asked for After she 'd already let me know that the company should n't need to waste their stamps due to me being irresponsible. I later researched to see if I was the only person having such a problem from this company to learn that several complaints have been filed against this company for many of the same reasons and some even worse. The lists of complaints go back for years. Well, add this one to the list.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-03-08

Columbus, OH

Disclosure verification of debt

Debt collection: Auto

Right to dispute notice not received
Complaint: Call Wilber & Assc to make paymnt arrgmnt on a debt wth XXXX XXXX to cont. wth XXXX agreement/ the rep wth Wilber never vefy who I was or this is a communivcation from a debt collector. refused to take a paymnt, refused any agreement, refused to let me tt a supervisor for a complaint, I called 2x and XXXX never vefy or gave discloser told me he did n't have to obey FDCP and for me to not call again, and hu on my for the 2nd time
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-03

Urbandale, IA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I have received repeated calls from this company stating that I owe them over {$16000.00} for an accident from XXXX of 2015. The police report lists the accident as a no fault accident. When I have told them that they scream at me and tell me that I know it was my fault and I just need to pay them. I have repeatedly asked for documentation showing myself at fault, as well as a breakdown of what they are trying to charge me and they refuse, telling me that I just need to pay them. They have threatened to put me out on the street and take everything I own. Also have threatened to have my License revoked. Every call ends with their representative telling me to pay them and then them hanging up on me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-24

Washington, DC

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response