Williams Fudge, Inc

2015-07-09

Rockville, MD

Communication tactics

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

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Newark, OH

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: I continue to receive correspondence surrounding this account and my attorney has advised me to submit a request for this to be reflected accurately within the credit agencies. This was discharged with a bankruptcy in XXXX 2014. I have attempted to contact this collector and have sent copies of the documentation presented here ; however, there has been no response. Therefore, I am seeking assistance with resolving this matter with the hopes that a formal complaint will initiate this correction.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Moapa, NV

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I recently retrieved my credit report and found out that there is an outstanding {$120.00} balance from my current college, XXXX College, that was apparently sent to collections and has still not been paid off until this date ( XXXX 2015 ). I work at the XXXX and I have reviewed my personal account in detail a XXXX times, and never have I seen an outstanding balance nor any evidence that my account was ever sent to collections.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Babylon, NY

Communication tactics

Debt collection: Federal student loan

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-22

South Florida, FL

Taking/threatening an illegal action

Debt collection: Non-federal student loan

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-22

Memphis, TN

Communication tactics

Debt collection: I do not know

Called after sent written cease of comm
Complaint: XXXX/XXXX/2015 @ XXXX my cell phone rang from incoming call ID XXXX. So, I placed it on speaker thinking is was a telemarketing company. The man asked me by my full name, full DOB ( with year ). He said his full company OF William and Fudge regarding an XXXX matter and anything said would be using those purposes, and that the call was recorded ( not exact words but close to it ). I explained the debt is not valid not to call me back contact me again. Also, I sent a XXXX XXXX using tracking # XXXX XXXX XXXX asking 1 ). Verification of any debt related to my so called account 2 ). The nam and address of the original creditor and current creditor 3 ). Forms to assist disputing accuracy of such items. Also, I wrote they compromised my ID data by sharing it without first validating the person he was speaking to before sharing DOB and his agency name. Then, on XXXX/XXXX/2015 the same agency called my same cell phone number using a totally different incoming number of XXXX at XXXX. There is a clear violation of the law here. Clearly, the agency was attempted to work around my call blocking of the original number and perhaps hoped in 90 days the number dropped off my cell phone log as must drop off in 90 days. I am requesting CFPB fine them in the amount for the violations of the law. I have XXXX phone records and copies for proof. Also, they failed validate their claimed debt. I shared I dropped with XXXX XXXX AND instructor XXXX XXXX if it was related that a dropped class. Also, I provided the school an obituary, and I agree to pay payment plan. The University has a past practise of working with students that had an immediate family member pass. I had other reasons to drop, but they are no about this matter. The University contacted me stating they are investigating too. For any balance due, I already have agreed with XXXX to pay them for prorating dates without any upcharges, and they agreed after I am employed. Also, XXXXXXXXXXXX is not accepting payments after I agreed to a payment plan for money not owed once employed. Now, I am advised by legal professionals the debt is clearly not valid given all the documented facts and record that go back two years.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-19

Cheshire, OR

Communication tactics

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

Frequent or repeated calls
Complaint: A debt is owed to XXXX XXXX College for a XXXX, the teacher was incompetent at teaching the course. I received a XXXX in the course which I was fine with until I started at XXXX the next quarter and recieved a 98 % in a college XXXX course, My math skills placed me out of the course I scored a XXXX in. I thought the class was paid for but since that time i have received repeated harassing phone calls from XXXX. XXXX XXXX College clearly has no interest in the welfare of their student body if this is the agency they send outstanding debts to. I have been called over XXXX times by the rock hill number generally XXXX a day to XXXX a day but recently has lessened in frequency though I also received calls past XXXX which is illegal in itself. I have donated money XXXX XXXX XXXX College, however i am not going to pay this " debt '' after this serious harassment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-15

Saint Paul, MN

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I received XXXX calls from Williams & Fudge asking about XXXX separate people and do I have a way to contact them. When I asked what the call is about, I am told it is a personal matter and my number was given as a personal and emergency contact. I was further told that they could not disclose their business model or the nature of the business because it would violate Federal Law. I asked that they remove my number from their system, yet I got a XXXX call from them asking about a different person. The caller XXXX times goes by the name XXXX XXXX. He claims he has never spoken to me after I reminded him he had earlier in the day. He also contacted my son this morning about a contact he does not have. I asked XXXX XXXX to identify what the company does and he refused. I was told to call the company and they would be happy to disclose what there business is. I have contacted them and all they will say is " we work with colleges '' and nothing else would be shared. I have gotten calls from the same company at my home, but when I do not know the number, I do not answer it. I do know they called my youngest son today and he got the same treatment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

Murray, UT

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: In XX/XX/XXXX I applied for admission to XXXX university. In XX/XX/XXXX I was forced to go help family out of state ( school would not of started until mid XX/XX/XXXX ) and notified the school that I would let them know if I will be able to attend, but not to order books or enroll me into classes. I did notify them prior to the start of the term that I was no longer interested in attending their school. Now I am getting collection letters from " Williams and fudge, inc. '' for {$530.00} stating that they are for " No show fees '' for not attending the school. I have explained that I never agreed to attend the school, and their own billing statement even shows that tuition was credited back to me, but the company keeps saying that the debt is valid because they have a bill in their office for it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-01

Loganville, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Jacksonville, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Disclosure verification of debt

Debt collection: Non-federal student loan

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

Disputed: No Timely Response

2015-04-28

IN

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: XXXX XXXX University in XXXX, Indiana is where I got the loan, I ended up paying the bulk of it and a balance of {$59.00} was overlooked and ended up being sent to a collection agency, Williams and Fudge Inc., I made the payment the moment they called me in XXXX of XXXX, now 2 years later we look at my credit report and their name as well as the {$59.00} balance is on there as active, I thought this may be a mistake so I called the agency, I spoke to XXXX rep a male, he did not give me the mini Miranda before discussing the account, and next I spoke to a female rep and she gave me the mini Miranda, I told them what issue I had and I was told the man I need to speak to was not available, that was fine. I scheduled a call back time with them for Thursday XXXX XXXX at XXXX, the call never came, I just want this resolved and I am upset with the damage caused to my credit because the collection agency could not act responsibly
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

Aurora, UT

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: XXXX XXXX calling on behalf of Williams & Fudge , Inc. is calling my employer twice daily. He is belligerent and harassing the office manager. This has been going on for about a week now with no sign of stopping.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Atlanta, GA

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-19

Raymond, NH

Disclosure verification of debt

Debt collection: Federal student loan

Right to dispute notice not received
Complaint: I submitted my loan towards XXXX XXXX a few months ago for XXXX XXXX. Today I have received a letter in the mail stating that {$25000.00} was sent to collections. This is not correct. I filled out a loan for the amount that I owed XXXX college and it confirmed that the loan was all set. Now I have this {$25000.00} in collections and can not go about paying for this without a loan. This will be under my belt for the rest of my life. I was never notified that it did n't go through or that the money was going to be sent to collections. I 'm very upset that this has happened and would like to solve this problem asap. Whether that means taking the money out so I can process the loan again or I 'm going to have to find other ways for this to be solved.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Houston, TX

Improper contact or sharing of info

Debt collection: Federal student loan

Contacted employer after asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Hamburg, NY

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-30

Heidelberg, TX

False statements or representation

Debt collection: Non-federal student loan

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-11

Deer Park, NY

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: No Timely Response

2015-03-09

Woodbury, PA

Disclosure verification of debt

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

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

Disputed: No Timely Response

2015-03-02

Rncho Domingz, CA

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-28

Dupont, IN

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

2015-02-28

Paradise, CA

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

2015-02-24

Bergenline, NJ

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Company Response: Closed with explanation

Disputed: No Timely Response