Consumer complaint received 2021-09-29
Company: Wilber and Associates, P.C.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I went into contract to pay XXXX XXXX XXXX {$40000.00} dollars after my daughter got into an accident as an excluded driver even though I had insurance through XXXX XXXX. I agreed to pay the XXXX XXXX Doller Wilber told me I owe XXXX XXXX XXXX and that the payment arrangement is valid only to those damages known to Wilber at the time the agreement was negotiated and that no comparative or contributory liability agreements were made in establishing the settlement of this claim. XXXX XXXX XXXX never did show me any proof of all the expenses including medical bills that actually added up to XXXX, but because they sent a letter from DMV threatening to suspend my Drivers license if I fail to make XXXX XXXX Dollars down payment and also a monthly payment agreement/ turn the Notarized Document in to DMV by XX/XX/2021. I entered into agreement with Wilber to pay XXXX XXXX Dollars and make a $ XXXX monthly instalment payment. I Paid Wilber XXXX XXXX dollars in XX/XX/2021 via my checking account information I gave them and the payment successfully went through. The contract was notarized by me and my Daughter as she was the one involved in the accident. I turned the Notarized instalment payment agreement document to DMV in XXXX. I made the first {$250.00} installment payment in XXXX. On XX/XX/2021, I got a call from one of the Wilber associate and she told me that I defaulted in payment as payment failed due to insufficient fund and that they went ahead and terminated the instalment payment contract and she threatened that I have to pay XXXX XXXX dollars cash or they will report me to DMV and get my Driving License Revoked and the associate hanged up. I told the associate that I have enough money in my checking account and explained to her that there is no way the {$250.00} payment can fail due to insufficient fund because I have reasonable amount of money in my checking account linked to their payment system. I immediately called my bank after the first associate hanged up on me the banker looked through the system and told me the problem is from Wilber due to their system. I called Wilber again and tried to pay through my bank card but it wouldn't go through due to their Faulty system. I immediately called XXXX XXXX  again and explained the situation and the Banker told me that the problem is from Wilber payment system and that their is a problem with Wilber system and that Wilber did not even make any attempt to take the {$250.00} out from my checking account. The banker told me they would have called Wilber and let them know that the issue is from their end but they wouldn't be able to as they can't make outgoing calls. The banker at XXXX told me they are there and ready to back me up in any way because I have sufficient money in my account and there is no way the payment wouldn't have gone through successfully if Wilber is truthfully doing things right/ have a competent working payment system and that it's not my fault. When I called Wilber associate back ( XXXX by name ) she goes '' Oh it might be an IT thing here '' The banker recommended that I report Wilber to the Proper Authority for things to be properly and truthfully handled as I have gone through a lot of harassment, stress, XXXX and cancelation of the the {$250.00} instalment contract, trying to extort money in bulk payment from me after a signed instalment agreement by both parties. Please help look into this matter. I feel so taken advantage of money wise.

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