Williams Fudge, Inc

2016-03-23

San Diego, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-09

Crystal, MN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

Boise, ID

Communication tactics

Debt collection: Federal student loan

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-07

CA

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about my loan
Complaint: This agency constantly called a place i consult for work, This might effect my relationship with this employer, negatively impacting my ability to work. I was told that they kept on calling. That is not right.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

Prattville, AL

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

Odell, OR

Communication tactics

Debt collection: Federal student loan

Frequent or repeated calls
Complaint: I have been talking to my debt collector, Williams and Fudge, about how I am not able to pay my debt. I have tried petitioning against XXXX XXXX University about cancelling my debt because I attended 2 weeks then had to leave because it was too much money for me. They have written proof of me only attending 2 weeks, but they will not cancel the debt. Williams and Fudge will not stop contacting me. They are constantly calling me. I offered to pay $ XXXX/month and they told me they could not set up a payment like that and that I needed to pay the whole {$10000.00} right then. I owe {$10000.00} for 2 weeks of school. I do n't have the money to pay this, that 's why I dropped out in the first place.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-20

Brick, NJ

Communication tactics

Debt collection: I do not know

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Victorville, CA

False statements or representation

Debt collection: Federal student loan

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-07

Burbank, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-07

VA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: XXXX XXXX XXXX XXXX XXXX University Williams & Fudge Current Loan Service Provider ALL of my student loans federal and private were originally housed at XXXX. In XXXX I consolidated with XXXX and called to close all the XXXX accounts and was told they had all been paid and were closed nothing was mentioned that the private loan account was still open and only the federal had been closed. I did not receive ANY communication from the University or the service provider after graduation regarding this loan. When I inquired about this, XXXX, stated that the only address on record was my college XXXX. I learned that " certified mail '' can not be forwarded so it was returned to XXXX. Being that XXXX was my original service provider on ALL my student loans, I only found out about this loan not being consolidated with the others when I pulled my credit in XXXX XXXX. Williams & Fudge acquired the account in XXXX of XXXX. I was never called or pursued by WILLIAMS & FUDGE. When I found the collection on my credit report I called the telephone number provided and spoke to Williams & Fudge. I was originally told by XXXX XXXX at WILLIAMS & FUDGE that I was not being charged a collection fee on the account only the lump loan amount and the back interest. I offered to pay the entire amount at that time and XXXX XXXX stated that it would be better for my credit if I made payments and rehabbed the loan. I contacted XXXX XXXX and XXXX XXXX to verify the debt and to inquire why this loan was listed in default. Both verified the amounts owed so I started making payments to W & F starting in XXXX XXXX and have monthly since that time. In XXXX, my accountant reviewed the account history provided and noticed a " reverse payment charge ''. I inquired with W & F, XXXX & XXXX and no one could provide any information as to what the charge was. W & F and XXXX stopped returning and taking my calls or emails. In XXXX I spoke to XXXX XXXX at XXXX who said the charge was probably back interest so I dropped the inquiry. In XXXX Of XXXX W & F upgraded to a new system and Listed the former reverse payment as a collection charge. After further research and legal counsel, I am requesting that the Collection Charges be removed from My WILLIAMS & FUDGE account. It is rather frustrating being that I was originally told by XXXX XXXX at WILLIAMS & FUDGE that I was not being charged a collection fee on the account, So due to that deceit, I have paid interest that could have been avoided. Only the past due and late fees we being assessed. The promissory notes are lacking in many areas as stated by XXXX. I have also since found out that MHU can no longer provide me with any information per the contact they have with W & F My promissory notes only come close to saying anything about fees as incurred ... ... had MHU placed a lawsuit/judgment against me ( which obviously did not occur and by the time the loan went to WILLIAMS & FUDGE the NC SOL had expired. Below is the text I am referring that is connected to the clause stating that if the lender calls the full balance to be paid immediately which did not happen : Payment of lenders costs and expenses if the lender has required me to pay in full as described above the lender will have the right to be paid back by me for all of its costs and expenses in enforcing this note to the extent not prohibited by applicable law those expenses for example include reasonable attorney 's fees. NO judgement was ever filed so this clause does not apply.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-29

Scottsdale, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have repeatedly gotten robo-calls from various unlisted numbers saying they have a message for me. When I do answer and " press XXXX '' to get the message, they first ask me to confirm details like date of birth and last XXXX digits of social security number. They refuse to identify who they are or why they are calling and so I refuse to verify any information. I recently got an email from " Williams & Fudge, '' a debt collection agency. I believe this is who are behind the calls, but they are looking for a someone with a slightly different name -- not me. I 'm sick of being harassed by these people, especially for a debt that 's not mine, and especially when they wo n't actually tell me anything.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

West Newfield, ME

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-24

Clermont, FL

Disclosure verification of debt

Debt collection: Federal student loan

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Lewisville, TX

False statements or representation

Debt collection: Non-federal student loan

Attempted to collect wrong amount
Complaint: William & Fudge , Inc. is requesting over the 8 % maximimum rate of statutory prejudgement interest as allowed in the Mississippi Code XXXX. I received a call from William & Fudge in XXXX XXXX stating I owed a debt to the University XXXX for a private student loan, my agent stated his name was XXXX XXXX The loan balance at the time included XXXX for the principle, XXXX for interest and XXXX for collection fees. The company confirmed that the collection had only been with their agency since XXXX XXXX and I requested a calculation of how the collection cost had come to over XXXX in such a short period of time, they were not able to answer, I also requested a settlement of the collection cost, to which they advised me to contact the University XXXX . I contacted the University XXXX on XXXX and was informed by XXXX in the Bursar office that the state of XXXX does not allow for settling on the original debt ( loan principal and interest ), however the collection company may be able to negotiate their fee. XXXX also informed me that the collection cost and fees did not cumulate from collection agency to agency and the fee the William & Fudge was charging was based on services that began in XXXX XXXX. I contacted William & Fudge on XXXX/XXXX/XXXX and spoke to VP of collection XXXX XXXX, who informed me again that they could not settle on the collection fees, I asked him how those fees were calculated as the file had not been with their company for more than two months and collection efforts had not been excessive, the company had my contact number and address on file and I had been in contact with XXXX XXXX. I was provided with no response other than it is their policy. I have sent a formalized debt validation letter to William & Fudge asking for : Breakdown of the principal, interest of loan Calculation of collection cost and fees including interest you say I owe ; Timeframe in which said interest rates are being calculated ; Provide me with copies of any papers that show I agreed to pay what you say I owe. In Pursuant to the Mississippi Code XXXX the Legal Maximum Rate of Interest is 8 % ; contract rate not to exceed greater of 10 % or 5 % above discount rate Mississippi Code XXXX. Penalty for Usury ( Unlawful Interest Rate ) Forfeit all interest and finance charge ; if rate exceeds maximum by 100 %, any amount paid ( principal or interest ) may be recovered ; person willfully charging usurious rates guilty of misdemeanor and fine up to {$1000.00} Mississippi Code XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Tempe, AZ

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Glendale, AZ

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-27

Melbourne, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Complaint: The Williams and Fudge is trying to collect a debt from the school XXXX XXXX of XXXX. I do not owe that money because the XXXX XXXX schools are being shut down due to multiple accounts of predatory lending and usage of high - pressure tactics to increase enrollment. Over half of these schools are already closed.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-23

Frostburg, MD

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I was contacted by an attorneys office XXXX INC about a debt owed to XXXX University. This debt is not my debt. Also the monies owed were sent to this agency/office that has not provided details of the debt. I deserve details broken down of where this amount is generated from. Debt should be described in detail to the party that owes the debt. Not a one page letter sent showing only the amount in total. This amount could come from anywhere and anyone wanting someone like me to give them money. I am also filing complaints against XXXX University for reporting this information if they did in fact do so.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Ft Lauderdale, FL

Communication tactics

Debt collection: Non-federal student loan

Frequent or repeated calls
Complaint: repeated phone calls after they were informed they are using my cellphone minutes. Can not keep incurring charges for unwanted calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Mobile, AL

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Complaint: I have been repeatedly contacted on my cellular telephone by Williams and Fudge, Inc ( XXXX XXXX ). During the initial telephone call, which was made on XXXX/XXXX/15 XXXX by XXXX XXXX, a Williams and Fudge , Inc employee, I repeatedly asked if this was a collection call and was told that this information would not be revealed. XXXX XXXX informed me that she would not provide me with any information unless I provided both my birth date and social security number. I believe this to be a FDCPA violation, as Williams and Fudge, Inc was specifically asked if they were a debt collector and refused to answer this question. I informed XXXX XXXX that I did not owe any debts and that if this call was a collection call, it was in error. I was told " this is n't going away ''. On XXXX/XXXX/15, I received a letter from Williams and Fudge , Inc alleging that I owed a debt. On XXXX/XXXX/15 XXXX, I received another phone call from Williams and Fudge, Inc. The caller hung up the call as soon as I answered. This call was recorded. I believe that these repeated contacts with me on my cellular telephone were harassing and violate the FDCPA. I do not owe any debts and will not be engaging in any further discussions with Williams and Fudge, Inc.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-20

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: XXXX : I reviewed my credit report and saw a collection from XXXX XXXX. I do not owe this debt. This company never attempted to call me or write me a letter, so that I could dispute this debt. My contact information is the same. I am requesting that this debt of {$5200.00} be removed from my credit report from this company. I would have appreciated a letter or call, because my credit was impacted. Please remove this debt from my report.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Cheverly, MD

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I had a private student loan issued by XXXX XXXX XXXX in about XXXX to attend XXXX XXXX University in XXXX, MD. After graduating from college I had some difficulty repaying that loan and in turn XXXX sold the loan to a collection agency. Once the loan went into collections I made arrangements with the debt collector and have been making on time payment in full as scheduled. My complaint is that these payments are not being reported to the credit bureaus.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-02

Jamaica, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Avondale-goodyear, AZ

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response