ComplaintsforWilliams, Rush & Associates LLC

• Initial Complaint

  07/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  I'm not liable for this debt with ******************************************** LLC, I do not have a contract with this collection agency, they did not provide me with the original contract as I requested.

  Customer response

  07/17/2024

  Hello, I have sent my to the collection company but I do not have a copy and I am requesting this to be removed due to not receiving proper validation as my right per the ***** Thanks 

• Initial Complaint

  05/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Tampa truck driving school, i do not have a contract with collection agency Williams rush and associates they did not provide with the original contract as i requested.

  Customer response

  05/29/2024

  Company keeps calling me harassing me and I have explained to company I have no contract or agreement with this company for me to have any debt, representative was very rude an disconnected the call.

  Business response

  05/30/2024

  We have investigated the consumer's complaint. She has never requested a copy of her original documents because we have never spoken to this consumer. I have attached the original loan application that this consumer signed when she applied for this education loan. The school has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office

• Initial Complaint

  05/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Since 05/22/23 this company has been trying to get me to pay them, when I dont believe I have any contract dealing with them. If they could provide a contract I would provide what I owe. However, theyre also abusing power by leaving a stain on my consumer report. This is a unnecessary problem to have.

  Business response

  05/14/2024

  We have investigated the consumer's complaint. He has never requested a copy of his original documents because we have never spoken to this consumer. I have attached the original loan application that this consumer signed and highlighted when he applied for this education loan. The school has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office

  Business response

  05/29/2024

  We have investigated the consumer's complaint. He has never requested a copy of his original documents because we have never spoken to this consumer. I have attached the original loan application that this consumer signed when he applied for this education loan. The school has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office

  Customer response

  06/07/2024

  I am rejecting this response because:   I am writing in response to your recent communication regarding the above-referenced debt. I do not acknowledge this debt and am requesting validation in accordance with my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g.
  
  
  Please provide the following information:
  
  
  1. **Proof that I owe the debt**,  directly to Williams Rush & Associates including:
     - The amount of the debt (15 U.S.C. 1692g(a)(1)).
     - The date the debt was incurred.
     - The name and address of the original creditor Williams Rush & Associates (15 U.S.C. 1692g(a)(2)).
  
  
  2. **Documentation showing that you are authorized to collect this debt**, including:
     - A copy of any contract or agreement that gives you the right to collect this debt.
     - Proof that you have a valid contract with the original creditor to collect this debt.
  
  
  Additionally, please provide a detailed accounting of the debt, including any interest and fees added to the original amount.
  
  
  Under the ****** you are required to cease collection activities until this information is provided (15 U.S.C. 1692g(b)). If you cannot provide the requested validation, you must cease all collection efforts and correct any incorrect reports to credit agencies.
  
  
  Failure to comply with this request could result in a complaint being filed with the ************************************ (CFPB) and/or the ************************ (FTC) for violations of the FDCPA.
  
  
  Thank you for your cooperation. I look forward to your prompt response.
  
  
  Sincerely,
  
  
  *************************

  Business response

  06/10/2024

  
  We have looked into ***************************** complaint. He requested a copy of his original documents, and we have sent documentation five times for every complaint that displays his signature, as well as the terms and conditions of his college loan. I have enclosed the original loan application that this client signed when he applied for the college loan. The school has engaged us to handle the collection of this account. If there is anything we can do to help this consumer resolve this situation, please contact our office.
  

  Customer response

  06/11/2024

  I am rejecting this response because:

  
  I am writing to formally dispute an alleged debt being pursued by Williams and ****. They have failed to provide any contractual proof that authorizes them to collect this debt on behalf of the original creditor.
  
  Specifically, they have not provided:
  
  1.Proof that I owe the debt to Williams and Rush, including:
  The amount of the debt.
  The date the debt was incurred.
  The name and address of the original creditor.
  2.Documentation showing that Williams and Rush are authorized to collect this debt, including:
  A copy of any contract or agreement that gives them the right to collect this debt.
  Proof that they have a valid contract with the original creditor to collect this debt.
  Any documentation showing that Williams and **** is the assigned collection agency as per the original contracts terms.
  An affidavit from the head of the accounting department of the original creditor, verifying the debt and detailing that I owe this debt, as per 15 U.S.C. 1692g.
  
  Without this documentation, their attempts to collect this debt are baseless and constitute harassment. I am requesting the BBBs assistance in resolving this matter by requiring Williams and Rush to provide the necessary documentation or cease all collection activities.
  
  Thank you for your help.
  
  Sincerely,
  
  *************************

  Customer response

  07/16/2024

  Dear BBB,
  
  
  I am writing to formally lodge a continuing complaint against Williams, Rush & Associates concerning their fraudulent and unethical debt collection practices.
  
  
  Despite my repeated requests for validation and proper documentation of the debt, the company has failed to provide any proof or authorization. Furthermore, they have placed a derogatory account on my credit report, significantly impacting my credit score without any justification or prior notice.
  
  
  Their practices violate the Fair Debt Collection Practices Act (FDCPA), as they have engaged in harassing behavior and have used false and misleading representations in their collection efforts. Specifically, they have:
  
  
  1.Attempted to collect a ghost debt without proper validation.
  2.Reported this debt to credit bureaus without my knowledge or consent.
  3.Continued to harass me with calls and threats despite my request for documentation and clarification.
  
  
  I initially responded to Williams, Rush & Associates complaint with the BBB on 06/11/2024 it was read on 06/15/2024. However, it has been a month since they last responded, and they have still not provided proof of a contract or any documentation to support their claim. I have patiently waited for their response, but they have failed to resolve the issue.
  
  
  I have discovered numerous similar complaints against Williams, Rush & Associates, indicating a pattern of fraudulent activity and consumer rights violations. Legal rights advocates and consumer protection forums have documented various instances where this company has acted unlawfully.
  
  
  Overall, the Better Business Bureau (BBB) and various consumer protection forums list numerous complaints against this company, reflecting a pattern of potentially unlawful and unethical debt collection practices
  
  
  I kindly request the BBB to investigate these claims and take appropriate action against Williams, Rush & Associates to prevent further harm to consumers. I would appreciate any assistance or guidance you can provide in resolving this matter.
  
  
  Thank you for your attention to this serious issue.

• Initial Complaint

  05/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Dear Better Business Bureau,I am writing to express my dissatisfaction with WILLIAMS RUSH & ASSOCIAT due to their lack of providing any kind of contract or agreement despite their involvement in my financial matters.As a consumer, I believe it is my right to have a clear understanding of any contractual obligations or agreements when dealing with a financial entity such as WILLIAMS RUSH & ASSOCIAT However, despite repeated attempts to obtain documentation outlining our relationship and any terms thereof, I have been met with silence or insufficient responses.This lack of transparency not only leaves me feeling uncertain about my rights and responsibilities but also raises concerns about the legitimacy and credibility of WILLIAMS RUSH & ASSOCIAT as a business entity.I urge the Better Business Bureau to investigate this matter and take appropriate action to ensure that consumers are provided with the necessary transparency and protection when dealing with companies like WILLIAMS RUSH & ASSOCIAT.Thank you for your attention to this matter.Sincerely,*****************************

  Customer response

  05/02/2024

  Never received the information that I requested from *********************** and I requested this information numerous of times 

  Business response

  05/17/2024

  We have investigated the consumer's complaint. He has requested a copy of his original documents that were emailed to him on August 3, 2023, at 11:57 am. I have attached the original loan application that this consumer signed when he applied for this secured loan, along with the check that was deposited into his personal checking account and his driver's license. Worth Finance has hired us to handle the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office.

  Customer response

  05/17/2024

  I am rejecting this response because:   Show me where I have a sgined contract with *********************** also where is all the other information that I requested such as your license to collect in my state an agreement that I have with ************************;

• Initial Complaint

  04/30/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  We are under bankruptcy protection and they should not be contacting us.

  Business response

  05/02/2024

  Unfortunately, we don't have an account for ******************************* in our system. Could it be that she is speaking for someone else?  Please give the other person in question since the consumer states that we  are in bankruptcy. 

• Initial Complaint

  04/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm not liable for this debt with ******* Transport. I do not have a contract with ********************************************* They did not provide me with the original contract as I requested.

  Business response

  05/02/2024

  We have investigated the consumer's complaint. We sent a copy of his documents to him  from ******* Transport on April 6, 2024, at 14:26. I have attached the original loan application that this consumer signed when he applied for this education loan. The school has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office

  Customer response

  05/09/2024

  I am rejecting this response because:   

• Initial Complaint

  04/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  They have placed a total of 3 charges on my credit report. I have disputed all 3 of them but only 1 was removed. All 3 should be removed because all 3 charges were made at the same time and were all supposed to be removed as agreed during covid. Rent a Center agreed to close my account at a zero balance during covid. I bought all 3 items a couch, a washer, and a dryer in 2019 from Rent a Center. They agreed to zero out my account and close it during covid-19. I disputed these charges on my credit report giving this same information, and they removed 1 of the charges but wont remove the other 2 charges. I dont think that is fair or rightful when all of the items i purchased were at the same time and all were supposed to be closed out a d my account at zero with no mention of later reopening this account or attaching it to my credit report. They should remove all of these charges like they did with the one i disputed and was granted. Please research this and have them remove these from my credit report. Again all of these charges were originally acquired in 2019, and later agreed to be removed from my rent a center account and closed at a zero balance during covid-19.

  Customer response

  05/03/2024

  I have attached the charge they agreed to remove from my credit report. My issue is everything I purchased from rent a center in 2019 was bought at the same time. A couch, a washer, and a dryer. Why did they approve only one of my disputes when all 3 items were agreed to be charged off because of me and my whole family having the covid virus and them not wanting to come get the items? Its not right what they are doing. If 1 dispute was granted the other 2 should as well.

  Business response

  05/09/2024

  We have been investigated this consumers complaint. This account was sent to our company for collections from the original creditor. We were not aware of any agreement between her and The creditor to cancel the debt.There were multiple accounts placed in our office originally. With different dates of service 11/25/2019  and 2/3/2020.We have since cancelled all accounts in our office and they will be reported as closed accounts. All three credit bureaus will be updated.

  Customer response

  05/09/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  02/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Im not liable for this debt with 07 Tampa ********************* I dont not have a contract with *********************** and associate, they did not provide me with the original contract as requested.

  Customer response

  02/19/2024

  I do not have any to clarify, theres no contact between me and *********************** and associate. If you guys can not help please send me to a place that can. I dont owe a debt to *********************** and associate and this is negatively impacting credit scores for the pass four years

  Customer response

  02/19/2024

  Went to Tampa truck driving school for my CDL under a contract with ******* Transportation, they sent me to the school to get my CDL. I went and completed the schooling but ******* Transportation refused to hire me after flying me out to ********* and now Ive been on the hook for $7000 when the school was only for 5200. I have screenshot conversations with different recruiters from ******* transport. There was more messages, but since its been so long, some of the messages has been erased

  Business response

  02/21/2024

  We have investigated the consumer's complaint. He has never requested a copy of his original documents because we have never spoken to this consumer. I have attached the original loan application that this consumer signed when he applied for this education loan. The school has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office.

  Customer response

  02/21/2024

  I am rejecting this response because:  on the promissory note, it clearly states that ****** transport has paid for my CDL training program. So how can I owe the school if ****** transport paid for my training!!!!

   

  Business response

  02/21/2024

  ****** Transport did not pay for your tuition. Please contact the office for further information.

  Business response

  02/21/2024

  ****** Transport did not pay for your tuition. Please contact the office for further information.

  Customer response

  02/21/2024

  I am rejecting this response because: promissory note states, ****** transport paid for CDL training program. Your matter is with ****** transportation so the school should be calling company not me

  Business response

  05/02/2024

  We have investigated the consumer's complaint. We have sent these documents several times; this is the fourth time. I have attached the original loan application that this consumer signed when he applied for this education loan. The school's (********* and Tampa) has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office

• Initial Complaint

  02/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with WILLIAMS RUSH & ASSOCI, I do not have a contract with WILLIAMS RUSH & ASSOCI, they did not provide me with the original contract as I requested

  Customer response

  02/19/2024

  Written communication by mal 

  Business response

  02/19/2024

  We have investigated the consumer's complaint. He has never requested a copy of his original documents because we have never spoken to this consumer. I have attached the original loan application that this consumer signed when he applied for this education loan. The school has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office. 

  Business response

  02/19/2024

  We have investigated the consumer's complaint. He has never requested a copy of his original documents because we have never spoken to this consumer. I have attached the original loan application that this consumer signed when he applied for this education loan. The school has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office.

  Customer response

  02/27/2024

  I am rejecting this response because:   This Debt does not belong to me/WILLIAMS, RUSH & ASSOCIATES, LLC admitted not contacting me regarding this collection/statue of limitation period has past 5 years. 

   

  You claim that you never contact me about this debt which Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. You have declared you have not which is a CLEAR violation against my consumer rights. This debt is past the 5 year limitation period also and no one from WILLIAMS, RUSH & ASSOCIATES, LLC has attempted to contact me.

  Dear Sir/*****, I am writing to file a formal consumer dispute in accordance with the following consumer protection laws: 12 CFR 1006.34(b)(5), 12 CFR 1006.34(c)(4)(i), 12 CFR 1006.34(d), and 15 USC 1681-S 2(7)(A). Under 12 CFR 1006.34(b)(5), I am disputing [briefly describe the issue here, e.g., unauthorized charges on my credit card]. Additionally, under 12 CFR 1006.34(c)(4)(i), I am contesting [briefly describe the issue here, e.g., incorrect information on my credit report]. Furthermore, according to 12 CFR 1006.34(d), [briefly describe the issue here, e.g., failure to provide required disclosures in a loan agreement]. Lastly, as per 15 USC 1681-S 2(7)(A), I would like to invoke the statute of limitations regarding debt collection, as the debt in question is past the five-year limitation period. Please investigate this matter promptly and provide a resolution in accordance with the law. Thank you for your attention to this matter.

  Pleas immediately remove this from my consumer reportt. 

   

  Sincerely, *******************************

  Business response

  02/27/2024

  We have investigated the consumer's complaint. She has never requested a copy of his original documents because we have never spoken to this consumer. I have attached the original loan application that this consumer signed when she applied for this education loan. The school has provided footage of her attendance. The school has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office. 

  Business response

  02/27/2024

  We have investigated the consumer's complaint. She has never requested a copy of his original documents because we have never spoken to this consumer. I have attached the original loan application that this consumer signed when she applied for this education loan. The school has provided footage of her attendance. The school has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office. 

  Business response

  03/01/2024

  We have investigated the consumer's complaint. She has never requested a copy of his original documents because we have never spoken to this consumer. I have attached the original loan application that this consumer signed when she applied for this education loan. The school has provided footage of her attendance. The school has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office. 

   

  Attachments:

  *******************************.pdf 2.pdf ******************************* SOA.pdf

  
  

  Customer response

  03/01/2024

  I am rejecting this response because:   
  

  Subject: Dispute Regarding Debt Collection and Consumer Rights
  
  
  Dear *********************** and associates ,
  
  
  I am writing to address the recent correspondence I received from your collection agency regarding a debt that you claim I owe. According to the Fair Debt Collection Practices Act (FDCPA) 12 CFR 1006.34(c)(4)(i), you are required to provide proof that you have contacted me within 30 days of acquiring the debt, giving me an opportunity to dispute the account. Despite my request, you have failed to produce evidence that you have mailed me a letter via certified mail within the specified time frame, thereby infringing upon my consumer rights.
  
  
  Furthermore, you have stated that you possess video evidence validating this debt. However, I am compelled to inquire whether you have consulted with an attorney to validate this debt, as outlined in 12 CFR 1006.34(b)(5). I demand that you provide substantiated evidence supporting your claim.
  
  
  It is imperative to note that I am a victim of identity theft, and this debt does not belong to me. Therefore, if you have indeed validated this debt with an attorney, I insist that you furnish me with documented evidence supporting this validation. Failure to provide such evidence will necessitate the immediate removal of this debt from my consumer report.
  
  
  Additionally, I would like to bring to your attention that this debt has surpassed the five-year statute of limitations for collection. Pursuant to the relevant laws, any attempt to collect on this time-barred debt is unlawful.
  
  
  I expect a prompt and thorough response to this matter, including the provision of the requested documentation and the removal of the disputed debt from my consumer report.
  
  
  Sincerely,
  *******************************

  Customer response

  05/08/2024

  Subject: Complaint against *********************** and Associates
  
  
  Dear BBB,
  
  
  I hope this letter finds you well. I am writing to file a complaint against *********************** and Associates regarding a debt that has been erroneously attributed to me. Despite my efforts to resolve this matter, I have not received any satisfactory response from them.
  
  
  On April of 2022, I sent a letter to *********************** and Associates via mail, requesting that they provide proof of the debt in question. I emphasized that I have the right to dispute this debt, as it does not belong to me. However, to date, I have not received any evidence supporting their claim that I owe this debt, which I assert is not mine. I have requested that *********************** and Associates send me proof that they had sent written notification to me via certified mail before attaching this debt to my consumer report. I have received no reply. I would like to bring to your attention two significant concerns related to this matter. Firstly, the debt in question has not been verified by an attorney, which raises doubts about its validity. Furthermore, I have not received any prior notification from *********************** and Associates regarding this outstanding debt.

  This lack of notification directly contradicts my consumer rights, which ***** me the right to dispute any debt owed. It is worth noting that throughout all these years, they have made no attempt to contact me whatsoever.
  
  
  Given the circumstances, I kindly request your assistance in resolving this issue. I believe that *********************** and Associates have violated my rights as a consumer by failing to provide sufficient evidence of the debt's legitimacy and by neglecting to inform me about its existence. I ask that you investigate this matter thoroughly and take appropriate action to rectify the situation.
  
  
  In light of the aforementioned concerns, I also request that you intervene and ensure the immediate removal of this debt from my credit report. It is crucial for my financial well-being and reputation that this incorrect information is promptly corrected.
  
  I trust that you will handle this complaint with the utmost professionalism and diligence.
  
  
  Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your efforts in ensuring a fair and just outcome.
  
  
  Sincerely,
  
  *******************************

• Initial Complaint

  12/05/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm not liable for this debt with ******* Transport. I don't have a contract with Williams ************************** They did not provide me with the original contract as requested.

  Customer response

  12/06/2023

  Date: 08-07-2023

  
  

  *****************************

  
  

  
  

  Account Number: ********

  
  

  RE: ******* TRANSPORT

  
  

  Amount Due: $2067.72

  
  

  
  

  Dear *****************************

  
  

  
  

  This account has been listed with our office for collection.

  
  

  
  

  This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

  
  

  
  

  Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.

  
  

  
  

  Sincerely,

  
  

  ***********************

  Business response

  12/14/2023

  We have investigated the consumer's complaint. He has never requested a copy of his original documents because we have never spoken to this consumer. I have attached the original loan application that this consumer signed when he applied for this education loan. The school has retained us to handle the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office.

  Business response

  12/14/2023

  We have investigated the consumer's complaint. He has never requested a copy of his original documents because we have never spoken to this consumer. I have attached the original loan application that this consumer signed when he applied for this education loan. The school has hired us to manage the collection of this account. If there is anything we can do to help this consumer get this matter resolved, please contact our office.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩