Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Wilber and Associates, P.C.
State: MO

Complaint narrative:
I am writing to file a formal complaint regarding the conduct of Wilber Group, a debt collection agency located at XXXX XXXX XXXX, XXXX, IL XXXX. This complaint concerns their handling of a collection matter involving File # XXXX, related to a traffic incident on XX/XX/XXXX, in XXXX XXXX, Missouri. 
Despite my repeated good-faith efforts to resolve the issue, XXXX has consistently failed to provide professional and lawful communication. My complaint centers on the following : 1. Failure to Provide Written Responses : I have sent multiple written requests asking Wilber to address my concernsmost importantly, whether they can confirm with their client that payment of the proposed settlement amount would result in a full and final release of all liability. These are legitimate concerns for any consumer seeking to resolve a claim completely and fairly. Wilber has consistently refused to respond to these questions in writing. This refusal persists despite my clear explanation that English is not my first language and that written confirmation is essential for me to fully understand the terms of any agreement.

2. Improper and Disrespectful Conduct by Representative XXXX : I have spoken by phone on multiple occasions with a Wilber representative named XXXX. On several of these callsmost recently on XX/XX/XXXX ( refer to the XXXX ) she repeatedly interrupted me, refused to allow me to finish speaking, and ultimately ended the calls abruptly. I have respectfully requested on several occasions that her statements be provided in writing due to my limited English proficiency. However, she has consistently refused to do so. Her conduct throughout these interactions was unprofessional, dismissive, and highly disrespectful. 
3. Use of Threatening Language : During the XX/XX/XXXX call, XXXX stated ( approximate wording based on recollection ) : XXXX going to note this down if you dont pay, we will make sure you can not drive until you pay off the balance. This was not the first time such a threat was made. The repeated suggestion that my ability to legally drive could be revoked caused me significant emotional distress and confusion. From the very first letter Wilber sent to me by mail, they intentionally emphasized threatening languagesuch as bolding the word suspend which I perceived as an attempt to pressure me into payment through fear, rather than resolving the matter in good faith. 
4. Unwillingness to Provide a Full and Final Release Agreement : I have made it clear that I am willing to resolve this matter, but only if Wilber and its client are willing to provide a formal agreement confirming that payment will result in a complete release of all claims. Wilber has refused to provide such documentation or even confirm whether their client agrees with this condition. 
5. Suspicious Timing of Document Delivery On XX/XX/XXXX, less than 24 hours after I submitted a complaint to the Missouri Attorney Generals Office, Wilber suddenly sent the detail document for claims. This strongly suggests an attempt to retroactively cover their tracks, rather than a genuine effort to work with me in good faith. 

This behavior is unacceptable and, in my view, constitutes unfair and abusive collection practices. This experience has caused me significant emotional stress, including difficulty sleeping and ongoing XXXX Therefore, I am submitting this complaint in hopes of a fair resolution and appropriate accountability.

Company response to consumer: Closed with explanation