Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams, Rush & Associates, LLC
State: AR

Complaint narrative:
About XXXX  years ago I financed a XXXX XXXX XXXX XXXX  from a XXXX dealership in Colorado. At the time it was privately owned but sold out XXXX  years ago so they don't have my documents. I had the car for XXXX month and called and told the dealership I could not pay for the car and told them to pick the car up and take it back. After the month I had the car I was in impound and I provided the company with the address so they could come get it. I never drove the vehicle again and it had no damage at all. It was a volunteered repossession. 

I now love in arkansas and have since then. I was never contacted by mail, phone or email about the car or a debt or even knew I had a debt until a few months ago when it showed up on my XXXX  account. Once I saw the debt it was for over {$24000.00} but the original price to finance the vehicle with interest after my trade in was around {$16000.00} or less. 

I found the original creditor was kino financial in Arizona and I attempted to call them and left several messages but never got a response. So I contacted the debt collector XXXX XXXX and associates in texas. This was the first point of contact and during this phone call I was threatened by them to take legal action against me. I asked them to email me documentation and they never did. This was a few months ago In XXXX. I then called a second time about XXXX weeks or so ago and attempted to resolve this debt. During the first couple minutes of the phone call I was again threatened with legal action. I tried to explain the situation and that the debt amount is wrong. I also disputed it twice on my TransUnion account. I even attempted to settle the debt on a payment plan and was told that if they reduced it to {$16000.00} I would have to pay it in full. 

I then called the the XXXX dealerships XXXX  XXXX and he gave me information and told me to ask for certain documents including who the car was sold to and for how much because that amount should be deducted from the debt as well as that the debt should not be {$8000.00} more then the original price of the car. 

After that I called XXXX and rush again asking for documentation. They said they would send them. I also emailed them for the specific documents I was requesting and told them I will not be paying them the XXXX and that I'm not financially capable of paying a lump sum of money as well. They then emailed me some documents and a very limited amount. Not only was part of the documents inaccurate but they still have not sent me information on what happened to the car after I returned it despite me asking multiple times. I sent another email asking for the addition documentation and have not received a response. 

Since that phone call Williams rush and associates ran a hard inquiry on my Experian account witch significantly dropped my credit score. I did not give them permission to do to so and at that point they already had my email, phone number and address and I had been in contact with them. They had no right to run a hard Inquiry or any legitimate reason.

I am desperately trying to take care of this debt but the amount is wrong by thousands of dollars and the debt collector is using coercive tactics and threats to get me to pay something I do not owe from 6 years ago. This is preventing me from being able to get my family into a home even through a low income program. 

My other concern is the documents they sent me show that I had the car for a year and that is not true and I relinquished the car after about a month of having it. Also that they refuse to accommodate in anyway or provide documents showing the car was sold and for how much. I am not even aware of what contracts I signed and XXXX documents does not look like my signature. I will attach a few documents of emails between me and the company and what documents they sent me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation