Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C.
State: CA

Complaint narrative:
On Thursday XX/XX/XXXX, I get a call from a Collection Company Wilbur Group on my cell at XXXX XXXX from XXXX. The woman said she was from an Attorneys office and she was representing XXXX XXXX to collect a debit in the amount of {$3200.00}. The debit in question, she said, was an overpayment on a claim. 
I responded with, what claim? She said for an auto accident XXXX and XXXX has tried to contact us multiple times. I was not calm at this moment and asked how did XXXX try to contact us! She said by email. I said, when and how many emails? I interrupted her and said, this is illegal. Emails are not legal for the only means of contact. We have been insured with XXXX XXXX for 10 or more years. Our house and our cars are insured with XXXX XXXX. They know how to get ahold of us. They never reached out by mail or by phone. They have all of our contact information, obviously, because you called me on my cell phone today! 
She then proceeded to ask me if my address was still the same. I said yes. She said that we would receive a letter from the Wilbur Group Collection Company. I became a bit upset and said no, send this back to XXXX since they DID NOT try to contact us and show good faith in doing so. I also said that our monthly payments come directly out of our bank account every month for our cars. I also said, that our Impounds for our home our tied to our Mortgage. Why would they only use email to contact us!? When they clearly have all of our other means of contact information. 
I feel this is wrong. I am sending in this complaint because Fair Debt Collection Practices have been broken here. If we had any idea we were mistakenly over paid for a claim in which I was not at fault, we would have definitely contacted them and paid it back. I have nothing in my email or my husbands email showing we received anything. We also do not know when they tried to contact us. Our home phone call log with XXXX shows nothing from XXXX XXXX. Both of our Cell Phone call logs show nothing. We received nothing from XXXX XXXX in the US mail. 
Today, Friday XX/XX/XXXX. I have contacted XXXX XXXX Customer Service at XXXX, a text was sent to me to Contact our Adjuster. I spoke to an automated voice that connected me to XXXX XXXX voicemail, XXXX. There is a recording of my message on her work voicemail. 
I remember way back when I was rear ended XX/XX/XXXX. This adjuster was hard to get ahold of. I pretty much had to do my own leg work for my claim with the other XX/XX/XXXX XXXX which was XXXX. 
Please advise me on what to do here. Isnt there a LAW on Collection Practices? I know working in the HealthCare field we must follow protocol for collecting outstanding debits. What about this? 
Thank you for your time and this is a very time sensitive matter. We are in the process of re-financing our home, and I do not want this terrible business practice of XXXX XXXX to ruin our Credit.

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