My husband and fathers phones were called today XX/XX/XXXX from Williams and associates requesting that I call them back. I did call back and spoke to 3 different people who threatened me with serving me papers to take me to court and place a lien on my home. All three people hung up on me when I tried to get information. They all have my most recent phone number and address. They are calling my family for the purpose of intimidation and harassment.They all were combative, threatening and extremely rude. They have been harassing me since XX/XX/XXXX using different names for their agencies. They have used the following names : Star point pre litigation services, Resolve first financial, Williams and associates. This debt is from XXXX and is past the statute of limitations. It has been charged off from XXXX credit card. The phone number they called my family from is XXXX.
CFPB COMPLAINT DATABASE
Williams, Rush & Associates, LLC
63 real consumer complaints filed against Williams, Rush & Associates, LLC at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Attempts to collect debt not owed27
- 02Written notification about debt10
- 03False statements or representation8
- 04Took or threatened to take negative or legal action6
- 05Incorrect information on your report4
Top states filing
Recent complaints
The 30 most recent complaints against Williams, Rush & Associates, LLC where the consumer chose to publish their narrative.
I am filing a complaint regarding debt collection practices by Williams Rush & Associates in connection with an alleged collection account reported on my credit report. On XX/XX/XXXX, I received a notification on my Experian account that stated " WILLIAMS RUSH & ASSOCI has flagged your account as Collections on XX/XX/XXXX. '' On XX/XX/XXXX, I sent certified mail with a dispute to the Experian, and Williams Rush & Associates collection agency requesting documentation and verification of the debt, including the name and address of the original creditor, the amount of alleged debt including an itemized accounting, documentation bearing my signature or other proof that I agreed to this debt, and proof that Williams Rush & Associates has the legal authority to collect and report this account. Certified mail tracking confirms delivery on XX/XX/XXXX. The Experian dispute results came back as " Verified and Updated ''.…
The doctors office reported this erroneously to debt collectors who attempted to collect on a debt for an appointment I did not set or agree to, and when I received digital notification of the appointment, the office was unavailable to cancel the appointment for me. I can pay the amount, it's not about the money. It's about a bad office manager charging over and over again ( per business reviews ), and then using XXXX XXXX companies like this to collect debts. They blatantly misrepresented the claim and the impact during our phone call.This is abuse of the American legal system to profit for the sake of a few really gross and indecent human beings.
Was informed about the debt which I personally choose to be disputed it was not offered claiming the debt was taken over by different company and I can not depute the wrong amount and the fact that I had created a XXXX complaint due to company changing terms and conditions on their own behalf and not legally documenting it then was notified about the original debt getting transferred over to somebody else which was not the company that notified me then another company had called me with the third-party claiming they need my address, not claiming what it was for what was going on. So I took the info to look into it I contacted whoever was originally trying to get to me that was XXXX and they asked me.…
Validation of Debt Request - WILLRUSH/SMILEDIRECTCLUB LLC - WRA XXXX XXXX XXXX XXXX * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
Validation of Debt Request - WILLRUSH/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in
I dispute this account under reason code XXXX ( no verification ). I have not received original documentation proving the debt or assignment of the account. Collection calls continued despite my request for validation. I request investigation and verification. If verification can not be provided, I request correction of the account.
XXXX. Mischaracterization of the Contractual Parties Your statement that XXXX served as the financing entity under the agreement is contradicted by the written contract governing this account. The Retail Installment Contract and Addendum state that XXXX XXXX XXXX, XXXX is not a lender, but rather serves solely as a payment processing service provider for XXXX. The contract further identifies XXXX as the XXXX. Accordingly, your representation of XXXX as the financing entity and owner of the debt is inaccurate and misleading. XXXX. Demand for Proof of Standing and Chain of Title To date, you have failed to provide competent evidence that : XXXX, the original creditor, lawfully assigned its rights in this specific account ; XXXX XXXX XXXX, XXXX possessed any ownership interest capable of being assigned ; and Williams , Rush & Associates , LLC holds a valid, documented chain of title establishing lawful authority to collect and to furnish data to consumer reporting agencies for this…
I am writing to formally dispute the following account listed on my credit report : XXXX XXXX XXXX WILLIAMS RUSH & ASSOCIATES Account amount : {$680.00} have no knowledge of this account and do not recognize this debt. I have never received services or communication regarding this matter. This account does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and verification of this account. Please provide documented proof that this debt is mine, including : The original signed agreement Proof of services rendered Full account history Proof this account was legally assigned to this collection agency If you can not provide proper validation, this account must be removed from my credit report immediately. Please send me written confirmation of the results of your investigation. Sincerely, XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
I am writing to formally dispute the following account listed on my credit report : Creditor/Collection Agency : WILLIAMS RUSH & ASSOCIATES Account XXXX : XXXX I have no knowledge of this account and do not recognize this debt. I have never received services or communication regarding this matter. This account does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and verification of this account. Please provide documented proof that this debt is mine, including : The original signed agreement Proof of services rendered Full account history XXXX this account was legally assigned to this collection agency If you can not provide proper validation, this account must be removed from my credit report immediately. Please send me written confirmation of the results of your investigation. Sincerely, XXXX XXXX XX/XX/82 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Notice of Intent to Sue Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) I am submitting this complaint because Williams , Rush & Associates , LLC continues to report a debt without providing legally sufficient documentation establishing its authority to collect or furnish this account and repeatedly closes CFPB disputes without resolving the underlying issue. I formally disputed this account and requested validation, including proof of ownership or a valid assignment of the debt demonstrating Williams , Rush & Associates legal right to collect and report the account. In response, the company merely states that it is an authorized and assigned collection agency for XXXX XXXX XXXX, XXXX. No documentation has been provided to support this claim. The original retail installment contract does not list Williams , Rush & Associates , LLC as a creditor, assignee, or authorized agent.…
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> WILLIAMS RUSH & ASSOCIATE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number - XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Debt Validation Request and Cease-and-Desist Notice regarding the above-referenced account. Despite my lawful request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, your agency has failed to provide proper legal validation of the alleged debt. Instead, you provided a generic billing summary or statement balance, which does NOT constitute proof of debt ownership or legal authority to collect. Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature XXXX. A complete chain of title, including all assignments and transfers of the alleged debt XXXX.…
On XXXX XXXX XXXX, I discovered a new collection account from Williams , Rush & Associates for {$1600.00} on my credit report. This was the first time I had any knowledge of this alleged debt. The company has violated 12 CFR 1006.30 ( a ) by reporting this debt to a credit bureau without first communicating with me. I have received no phone calls, no letters, and no emails regarding this account prior to it appearing on my credit file. This practice is known as " Debt Parking '' and is a direct violation of CFPB 's Regulation F. Furthermore, I have not received a Validation Notice as required by 15 U.S.C. 1692g. I have no record of any transaction or contract with the " Original Creditor '' listed. The company has essentially placed a " blind '' collection on my record, causing immediate damage to my credit score without providing me the legal 30-day window to dispute or verify the debt before reporting.…
I am submitting this complaint because Williams , Rush & Associates , LLC continues to report a debt without providing legally sufficient documentation establishing its authority to collect or furnish this account and repeatedly closes CFPB disputes without resolving the underlying issue. I formally disputed this account and requested validation, including proof of ownership or a valid assignment of the debt demonstrating Williams , Rush & Associates legal right to collect and report the account. In response, the company merely states that it is an authorized and assigned collection agency for XXXX XXXX XXXX, XXXX. No documentation has been provided to support this claim. The original retail installment contract does not list Williams , Rush & Associates , LLC as a creditor, assignee, or authorized agent. The company has failed to produce a bill of sale, assignment agreement, servicing agreement, or any chain-of-title documentation.…
Williams Rush & Associates is reporting a collection account related to XXXX with inaccurate information, including account activity and an account opened date reported in XXXX. I have not used XXXX in over six years, and any alleged delinquency occurred well before the dates being reported. The information currently reported does not reflect the true Date of First Delinquency and appears to be an illegally re-aged account. Additionally, on XX/XX/XXXX, Williams Rush & Associates placed a hard inquiry on my XXXX credit report. I did not apply for credit, financing, or any service with this company, nor did I authorize a hard inquiry. As a debt collection agency, they do not have a permissible purpose to conduct a hard inquiry. I have disputed this inaccurate reporting and requested validation. I am filing this complaint because the inaccurate reporting and unauthorized inquiry continue to appear on my credit report.
Company name : Williams Rush & Associates Account number : XXXX Amount disputed : {$1800.00} What is the issue? Incorrect information on credit report Debt collection practices Attempting to collect a debt not properly validated Your Complaint Statement ( Paste Below ) : I am submitting this complaint regarding Williams Rush & Associates for reporting and attempting to collect a debt that has not been properly validated, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The account in question was opened on or about XX/XX/year>, and is being reported as a collection account with a balance of {$1800.00}. To date, Williams Rush & Associates has failed to provide any documentation proving that I am legally obligated to pay this debt.…
WILLIAMS RUSH is falsely reporting on my credit. I have never had any accounts with them. Per my research WILLIAMS RUSH is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
WILLIAMS RUSH & ASSOCIis falsely reporting on my credit. I have never had any accounts with them. Per my research WILLIAMS RUSH & ASSOCI is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
On today, XX/XX/XXXX, I was contacted by a representative from XXXX XXXX XXXX XXXX XXXX regarding a debt originally related to XXXX XXXX XXXX XXXX XXXX ). The representative used extreme high-pressure tactics, stating that tomorrow my account would be open and a " opening a claim '' and would " that I could be sued '' if I did not make an immediate payment or have my wages garnished.The representative mentioned that the account was from XX/XX/XXXX. Since this debt is over XXXX years old, I believe it is past the statute of limitations in my state, making their threat to " sue me '' or " garnish my wages '' an even more severe violation of the FDCPA. When I asked for the total amount of the debt and written documentation/validation, the collector refused to provide it, stating they would not provide a full amount, but I could call for it later.…
Complaint Details and Issue : I am filing this complaint regarding the inaccurate and unlawful reporting of a collection account associated with an alleged SmileDirectClub obligation that has already been removed once and has now been reinserted under a new collection agency, Williams Rush & Associates ( WRA ). This is not a new debt. It is the same alleged obligation previously reported and deleted, now re-appearing under a different furnisher name with a newly reported date opened of XX/XX/year>. This constitutes unlawful re-aging and recycled collection reporting. Violations Identified : Re-Aging Violation ( FCRA ) : The alleged debt is being made to appear newly delinquent despite originating years earlier. Changing the date opened to 2025 unlawfully extends the reporting period. Duplicate / Recycled Collection Reporting : The same alleged obligation has been reported under multiple collectors after prior deletion, without any new validation or documentation.…
I am filing this complaint against Williams Rush & Associates for unlawful and inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Williams Rush & Associates is reporting a collection account with a balance of {$7800.00}, allegedly owed to XXXX XXXX XXXX XXXX, opened on or about XX/XX/year>. This reporting is materially misleading and legally defective. This account violates 15 U.S.C. 1681 ( a ) ( XXXX ) because the reporting is not accurate nor fair. A negative balance on a collection account misrepresents the nature of the alleged debt and creates a false and misleading impression to third parties reviewing my credit file. Additionally, Williams Rush & Associates has failed to comply with 15 U.S.C. 1681 ( e ) ( b ) by reporting this account as a verified derogatory obligation without evidence that reasonable procedures were used to assure accuracy.…
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I am filing this complaint regarding an inaccurately reported collection account by XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), showing a high balance of {$1700.00} and a date opened of XX/XX/year>. I have no knowledge of this account and have never opened, authorized, or received any notice or validation from XXXX regarding such a debt. The reporting of this alleged collection account is false, misleading, and unverifiable, and it has caused harm to my credit standing. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, debt collectors and furnishers must report only accurate and verifiable information. They are also legally required to provide full validation of any alleged debt upon request. XXXX has failed to provide any evidence or documentation proving the legitimacy of this account or that I am responsible for it.…
I feel like because of " XXXX filed for XXXX XXXX bankruptcy in XXXX, that I shouldn't have to pay or settle this debt, in that they shouldn't have to to charge me way in XXXX for that debt, in for them to stop texting me about getting my alignments, when they no longer in business I want a ASAP and a permanently deleting off my credit report XXXX, XXXX, and XXXX.
I am formally disputing the accuracy and completeness of a collection account appearing on my Experian credit report under WILLIAMS RUSH & ASSOCIATES ( Acct # XXXX ). Upon review, this account contains multiple factual errors that violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1. The account improperly reports a past due balance of {$2600.00}, which is inaccurate for a collection account. Collections may only report a remaining balance, not a past due status. 2. The balance increased from {$2100.00} to {$2600.00} with no documentation or itemized explanation. This represents an unverified amount and violates FCRA 623 ( a ) ( 1 ) ( A ) and Regulation F. 3. The accounts date structure implies re-aging to make the account appear more recent, violating 605 ( c ) of the FCRA. 4. The creditors note stating can not locate individual conflicts with the fact that I disputed the same account in XX/XX/year> and received a response, proving I was contactable.
I am filing this complaint because XXXX XXXX XXXX XXXX is reporting and/or attempting to collect a debt with an incorrect Date of First Delinquency XXXX XXXX ). The account in question originated in XXXX, and I have bank statements from XXXX proving I continued to make regular payments well after the date they are reporting as my first delinquency. I formally disputed this information with XXXX XXXX XXXX XXXX several months ago and provided copies of my bank statements as proof. Their only response was sending me a copy of the original XXXX contract they did not investigate or verify my actual dispute regarding the incorrect XXXX. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), they are required to conduct a reasonable investigation and validate the accuracy of the information being reported. Their response does not fulfill that obligation and allows inaccurate data to remain on my record.…
I am filing this formal complaint against Williams Rush & Assoc for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Williams Rush & Associates has falsely reported a collection account on my consumer credit report that is being incorrectly attributed to me. I have no contractual or financial relationship with this company, nor have they provided any verifiable documentation to substantiate their claimsuch as a signed contract, account statements, or any proof of debt ownership. Despite my previous written requests for validation and my cease-and-desist notice, the company has : Failed to conduct a proper investigation as required under 15 U.S.C. 1681i ( a ) of the FCRA. Continued to update and report false information on my credit file after being notified of the dispute. Ignored my written cease-and-desist request, thereby violating 15 U.S.C. 1692c ( c ) of the FDCPA.
1 ) XXXX XXXX XXXX : This account was assigned to my ex-spouse in my divorce decree and is not my responsibility. I formally dispute this reporting and demand immediate deletion from my credit report under FCRA. 2 ) WILLIAMS RUSH & ASSOCIAT : This account was assigned to my ex-spouse in my divorce decree and is not my responsibility. I formally dispute this reporting and demand immediate deletion from my credit report under FCRA.
First they never sent me any mail or even emails saying I owe any debt. When I researched I found out before I pay anything I need to get a verification letter of everything I owe, who I owe it to, who bought the debt and any extra information that could help me figure out how to resolve it. They told me no so so many times and said the sent letters already which was a lie and finally I told her I would give her money for postage and she asked for my address just to get off the phone with me. That was today XXXX, XXXX XXXX. On XX/XX/XXXX I called William rush & associates and they gave me XXXX payment plan. She told me that if I did not start XXXX of those XXXX by the XXXX of this month they would take legal action and in the state I live in that means they can come to my house and take my stuff.…
This debt was for a medical bill that was processed under my insurance XXXX XXXX XXXX XXXX XXXX at the time I was due a deductible of {$1000.00} which I paid directly to the company and the company was required to submit the remainder of the bill to XXXX XXXX XXXX XXXX XXXX since they were in network according to state laws and regulations for insurance The provider is required to submit the bill however, since the medical company did not submit the bill within 180 days they are legally required to write it off. Provider did not meet the cutoff requirements and never submitted the bill to XXXX XXXX XXXX XXXX XXXX and is now trying to bill me for it when it was their error for not submitting it within a sufficient timeframe. I have a new address. Furthermore, I never received updated bills about the amount due only when it was reported to my credit this is also a violation of HIPAA where my medical information was sold.
Same thing happen to you?
Upload your evidence. We draft a formal complaint with citations in 10 minutes. CFPB legally forces a response in 15 days.