Williams Fudge, Inc

2015-10-27

Bowie, MD

Disclosure verification of debt

Debt collection: Non-federal student loan

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

Disputed: No Timely Response

2015-10-26

Lexington, NC

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: My name is XXXX XXXX. I attended The XXXX, XXXX XXXX XXXX XXXX South Carolina from XXXX. I had a balance of {$13000.00} that was turned over to Williams and Fudge INC. collections agency. I 've been making payments to them since XX/XX/XXXX, however they are not reporting my payments to the credit bureaus and they are not providing statement to me showing how my payments are applied. I 've also noticed on my account that they 've added an additional charge of {$4100.00} to my account, which I find it unfair and unreasonable. I am currently serving in the XXXX Army and my interest rate should be lowered to 6 %. The charge added to my balance seems to be close to 30 %. Please investigate and let me know your findings. I would like to see my payments applied to my balance on the loan.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-22

Caro, MI

Communication tactics

Debt collection: Non-federal student loan

Frequent or repeated calls
Complaint: Calling XXXX a day for well over a month and leaves blank voicemails most of the time. I sent a certified letter asking for proof of the debt and to stop ALL communications until this has been done. So far that letter has been completely ignored which is why I am contacting you. They are not only calling me, but also other people that I know which have nothing to do with anything loan related.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-10

Moapa, NV

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: Not sure if I have this marked under the correct section. Here is the issue. I checked my credit score last week and seen this XXXX had put something on my credit report. The issue I have is they reported it 2 times on my credit report which dropped my credit score greatly and now I am having trouble getting credit I needed. I called them and they acknowledged in error they put it on there 2 times it should of been removed immediatly in my opinion
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

Euclid, OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: XXXX sent me books and wanted payment for them. I was not nor ever have been enrolled at XXXX, therefore I did not ask for or need the books that XXXX sent to me. I eventually sent the books back ( I have USPS receipt albeit a faded one ). They said they never received the books and wanted me to pay them {$200.00}. I refused to pay, one because I never asked for or used the books and two because I sent them back. They sent the bill to collections and it has damaged my credit terribly.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-02

Southern Pnes, NC

Dealing with my lender or servicer

Student loan: Non-federal student loan

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

Disputed: No Timely Response

2015-10-01

Pinellas Park, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

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

Disputed: No Timely Response

2015-09-25

Murray, UT

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Complaint: I have sent XXXX letters via USPS certified mail at the address listed for the collection agency Williams & Fudge out of South Carolina. The letters detailed my dispute of the debt they were trying to collect in the amount of {$13000.00}. I do not owe this debt and they have failed to provide me with any proof or verification that this debt is mine. They are, however, newly reporting this debt to my credit report. I am unsure if it is reporting with XXXX, but I know it is reporting with XXXX and XXXX. I have just mailed the collection company yet another certified mail letter requesting the debt be removed from my credit because they have failed to verify the debt to me and are in violation of the Fair Credit Reporting Act. I will pursue legal action in small claims court if they choose not to remove this debt which is being reported illegally.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Mabank, TX

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Complaint: A creditor came to my place of employment at the bank and threaten to sue me if I did not pay back my private loan from XXXX XXXX College in XXXX Texas. I know this is clearly against the law.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-13

San Antonio, TX

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: On XXXX XXXX of this year, I filed for Chapter XXXX Bankruptcy relief, and included a {$1500.00} debt from Texas XXXX University, which I incurred from dropping courses after the withdrawal date. This debt was appropriately included in my Chapter XXXX schedule F, and discharged by the presiding judge on XXXX the XXXX. Today, XXXX the XXXX, I received an alert via my credit monitoring service informing me that I now have a collection on my XXXX report from the Williams and Fudge agency for a {$1900.00} debt to Texas XXXX University. I was unable to attain auto financing due to this open collection with a high reported balance. My XXXX score dropped XXXX points once this collection account was added. I placed a phone call, left a voicemail, sent an email with attached copies of my Chapter XXXX petition, schedules, and discharge to Williams and Fudge. I also sent a dispute along with all of my BK documents XXXX. Now I have to wait a month or so for this inaccuracy to be investigated. This school debt comprised one of the largest balances of any of my debts, and was a significant factor in my decision to file for bankruptcy. My credit report has rightfully suffered from the bankruptcy filing. I should not be further penalized by having collections reported on debts that were discharged in the case. I advise anyone who files for bankruptcy to keep diligent records of every debt, payment history, and communication with your creditors. Receiving a bankruptcy discharge does not mean your case is over or that you wo n't be hit with attempts to collect your debt at a later date. Sadly, a collection agency can inflict serious damage upon your credit report overnight, while it will take you a month or more to dispute, verify, and defend your credit score when inaccuracies are reported.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-06

AL

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: The lady keeps calling over and over and will not tell me what the debt is about but keeps asking for my personal information. I asked her not to call anymore and she will stop for a few days and then start calling every day again. I do not even know what bill this is about.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Miami, FL

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

2015-08-25

Carmel, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: I attended XXXX University trying to earn my XXXX degree in XXXX with my last registered class XX/XX/XXXX. I became unable to work XX/XX/XXXX. XX/XX/XXXX, Social Security formally approved my permanent XXXX. I am unable to work, unable to complete my XXXX, and unable to pay for the school loans. XXXX approved the attendance and financing. I was unaware that I reached individual federal maximum loan amounts. XXXX began sending me late payment notices. I contacted XXXX finance dept, explained what was happening with my health and medical XXXX. To this day, I have requested assistance due to my inability to pay to Williams & Fudge. XXXX approved the XXXX XX/XX/XXXX and i am no longer paying on my federal student loans. Can you help facilitate the conversation? The reps I 've worked with have become rude and after explaining my situation, I was not heard and told to pay no matter what. I informed them that I am mentally XXXX and that they were talking loudly and rudely. I have not picked up their calls since and now reaching out to you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

Arco, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have been called several times by XXXX XXXX with Williams Fudge Inc. - phone XXXX, regarding a debt that is not mine. I have told her this XXXX times and asked to be removed from the call list. On XXXX, she called me again and ALSO called my wife about the debt I did not owe.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-21

IL

Disclosure verification of debt

Debt collection: Federal student loan

Right to dispute notice not received
Complaint: Would like to make small payments they wo n't let me
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-20

Norfolk, VA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: In 2013, I was attending XXXX XXXX XXXX - XXXX XXXX, VA to become a XXXX and wound up being XXXX ( non voluntarily ) less than 30 days into my second 4 month period. I had already paid {$2100.00} plus {$100.00} admin fee for this period of instruction. The total cost for the 4 month period was stated to be {$4200.00}. XXXX alleges I owe them {$210000.00} for the four month period of instruction, but no services were delivered for this charge since they disenrolled me. Actually, a refund is due to me in the amount of {$640.00} based on a pro-rated tuition. I have submitted XXXX written responses to XXXX and their debt collection services and have never received a response acknowledging my letters and claims. Instead I keep getting threatening calls from their collection services that I owe them money - this has been going on for XXXX years now and I want them to answer my letters, pay me back the money they took from me, and STOP harrassing me.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

Seattle, WA

False statements or representation

Debt collection: Non-federal student loan

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Del Sur, CA

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-09

Anaheim, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I applied but did not accept admission into California XXXX University XXXX XXXX and was contacted almost 2 years later that I owed them a substantial debt for tuition. The school was non-cooperative and sold the debt to a debt collection agency. This is not my debt as I have never attended or enrolled in this school.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Farmington, NC

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-05

Millcreek, UT

Dealing with my lender or servicer

Student loan: Non-federal student loan

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

Disputed: No Timely Response

2015-08-04

Ft Belvoir, VA

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt was paid
Complaint: I had a balance left over from XXXX university which I could n't pay because a loan I applied for did n't get approved XX/XX/XXXX. After graduating and securing a job I was able to pay the balance in full to the collection agency William and Fudge XX/XX/XXXX. I received an email confirming that the balance was {$0.00} and subsequently sent an email to the school to confirm payment was received. " XXXX '' from XXXX XXXX 's bursar office confirmed receipt of full payment. I called William and fudge to let them know that I had paid and to report the account as paid to the credit bureaus, to which they said It would show as closed in about a week. Fast forward couple months, they still did n't update the account status with the credit bureaus and the account shows as open. I am unable to apply for loans and this issue has been causing damages to my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-26

San Jose, CA

Disclosure verification of debt

Debt collection: Non-federal student loan

Not given enough info to verify debt
Complaint: I went into default on my private students loans when I was given misinformation from the original debt holder of all my student loans, XXXX. I spoke to a XXXX representative during a period of time that I was filing Chapter XXXX bankruptcy and was told to hold off on all my student loan payment until the bankruptcy was completed. My loan payment included both federal and non-federal loans so that information was correct for my federal loans that transitioned back into repayment without any problems, but incorrect for my non-federal private loans that were sent into default. I did not receive any notice about the default until it was already sent to collection agencies. Once I was aware of the misinformation and resulting default I started to pay XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX, that took over my non-federal loans. I was making monthly money order payments to the collection agencies for over two years, however they did not provide me with receipts of payments. When I requested proof of receipt of payments, XXXX XXXX XXXX , XXXX gave me proof, but XXXX XXXX XXXX , XXXX did not provide me with any information. Since I was not sure they were receiving my money order payments I stopped making the monthly payments since I did not know for sure they were being received and credited properly. XXXX XXXX XXXX, XXXX, did not contact me for six months instead they transferred my debt to Williams and Fudge, Inc. The new collection company is now calling and sending me notices demanding payment. Furthermore, they have added unexplained additional charges added to my original debt.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-13

Edinburg, TX

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

2015-07-10

Fremont, CA

Improper contact or sharing of info

Debt collection: Non-federal student loan

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: Yes Timely Response