Consumer complaint received 2024-08-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wilber and Associates, P.C. (VT)

Subject : Formal Complaint Against Wilber & Associates for Violations of the FDCPA and Request for Compensation Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Wilber & Associates for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). The actions taken by Wilber & Associates have caused me significant emotional distress, anxiety, and financial harm, and I am seeking compensation for the damages incurred as a result of their unlawful and unethical practices.

Nature of the Complaint : Although my complaint involves several issues, the primary concern is the repeated unauthorized phone calls and harassment by Wilber & Associates after I explicitly requested communication in writing. Additionally, Wilber & Associates engaged in unauthorized electronic communications by sending emails despite my request for postal correspondence, improperly contacted a third party, and issued misleading and threatening statements regarding potential legal actions, including the suspension of my drivers license. These combined actions have caused significant emotional distress, anxiety, and financial harm. 

My file number with Wilber & Associates is [ REDACTED ]. 

Details of the Incident : On XX/XX/year>, during a phone conversation with Wilber & Associates, I explicitly requested that all future communications be in writing and sent to my street address. Despite this clear request, they continued to contact me via phone and email, disregarding my communication preference and causing significant distress. 

After stipulating my preference for written correspondence on XX/XX/year>, Wilber & Associates proceeded to make numerous unauthorized phone calls to me, including calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. I finally received the first written correspondence on XX/XX/year>, which was threatening, misleading, and vague, lacking a clear date by which I needed to respond. 

After sending my initial response/complaint letter to Wilber on XX/XX/year>, they persisted in their intrusive behavior. I continued to receive XXXX more unauthorized calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Additionally, I discovered that they sent XXXX unauthorized emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. 

Moreover, I learned that they called my friend XXXX, a third party, XXXX times without my consent, including XXXX additional calls beyond the first one I mentioned in my initial letter. These calls occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. 

Due to these ongoing violations, I have since sent a follow-up complaint letter on XX/XX/year>, which is currently in the process of being delivered. 

Impact : The repeated and unauthorized calls from Wilber & Associates have had a profound impact on my emotional and mental well-being. These calls, despite my clear request for written communication only, have compounded my existing stress, particularly as I am currently undergoing XXXX  for XXXX  XXXX. The XXXX  induced by these calls has significantly disrupted my daily life and financial stability, affecting my ability to focus on work and causing me to worry constantly about potential legal actions threatened in their communications. Furthermore, the intrusion on my privacy by involving a third party has not only been embarrassing but also has strained my personal relationships, which are crucial to my and my childrens safety. 

Violations : I believe Wilber & Associates has violated several provisions of the FDCPA, including but not limited to : Section 805 ( a ) - Communication in Connection with Debt Collection : Wilber & Associates continued to contact me via phone despite my explicit request for written communication only.

Section 805 ( b ) - Communication with Third Parties : Wilber & Associates contacted a third party ( my friend XXXX ) without my consent and disclosed personal information. 
Section 807 - False or Misleading Representations : The threatening letter about potential license suspension was ambiguous, misleading, and caused undue stress. 

Supporting Documentation : I am prepared to provide detailed call logs, copies of letters, and other relevant documentation to support my complaint upon request. 

Thank you for your attention to this matter. I look forward to your prompt response and action. 

Sincerely, [ XXXX ]