Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: TN

Complaint narrative:
What happened : I am submitting this complaint because Wilber Associates, P.C. continues to contact and threaten me over a disputed debt from an automobile accident, despite having confirmed through the XXXX XXXX XXXX XXXX XXXX ) that they would cease all communication and collection efforts. 

The alleged debt arises from a XX/XX/scrub> XXXX XXXX XXXX XXXXXXXX XXXX in Tennessee, where my vehicle was rear-ended after a semi-truck emitted thick XXXX smoke and petroleum mist that blinded visibility. The official police report confirms that my car was struck from behind and that the truck caused the visibility issue. Officers observed oily residue on both vehicles and captured the statements on body camera. 
I was not cited or found at fault. 

Despite this, Wilber Associates claims I owe approximately {$23000.00} {$24000.00} for another drivers damages. I will be disputing the claim in writing under the Fair Debt Collection Practices Act ( FDCPA ) and demanding a validation letter .Im also providing the police report. I asked Wilbur to check the facts as I wasnt responsible for proving innocence before threatening people. 

Wilber Associates : - Acknowledged my XXXX complaint and said the case would be closed and no further contact would occur but followed through to TN Dot. 
- Mailed my home initially with a vague collection letter containing threatening language implying legal or financial penalties. 
Reported and threatened to report the matter to the Tennessee Department of Safety and Homeland Security ( TDOSHS ), causing a notice of proposed license suspension for an alleged uninsured accident. 

This conduct appears to violate multiple FDCPA provisions, including : 1692c ( a ) ( 2 ) ( communicating after a cease-and-desist ), 1692d ( harassment and threats ), 1692e ( 2 ) ( A ) ( false representation of the debts character and legal status ), and 1692g ( b ) ( continuing collection without providing validation ).

I believe Wilber Associates is using false, threatening, and misleading statements to coerce payment for a claim they can not prove, despite clear evidence that I was not at fault. After doing research I found numerous pages of similar stories in regard to harassment and Wilbur taking advantage of consumers. 

Supporting evidence I can provide : -The police report narrative confirming I was rear-ended and describing the semi-trucks petroleum mist. 
- The original Wilber letter demanding payment and threatening to get license suspended if I dont pay XXXX. 
- The XXXX response in which Wilber agreed to stop contacting me - The new letter showing continued collection via TN Homeland. 
- The TDOSHS notice that resulted from their improper reporting. 
-Proof of insurance reinstatement shortly after the incident.

What I want the CFPB to do : 1. Investigate Wilber Associates for FDCPA violations and misrepresentation. 
2. Require them to cease all collection, communication, and reporting regarding this alleged debt.

3. Ensure the company notifies TDOSHS that the debt is disputed and should not be used to suspend my license.

4. Direct Wilber to remove or retract any credit or government report entries related to this claim. 
XXXX. Consider enforcement or penalties for repeated violations after prior commitments to stop. 

Approximate amount in dispute : {$23000.00} {$24000.00} Incident date : XX/XX/year> Collector : Wilber Associates, P.C. ( Insurance Subrogation Division ) XXXX XXXX XXXX XXXXXXXX IL XXXX

Company response to consumer: Closed with explanation