Williams Fudge, Inc

2019-03-27

WI

Threatened to contact someone or share information improperly

Debt collection: I do not know

Talked to a third-party about your debt
Complaint: The company called a relatives personal cell number regarding this debt. They already have my contact information yet got the contact information of people unrelated to this debt and have called repeatedly, dates as follows : XX/XX/XXXX XXXX cst This call was made from representative XXXX XXXX, phone number XXXX for Williams & fudge inc to phone number XXXX XX/XX/XXXX from phone number XXXX, left voicemail XXXX XXXX cst from number XXXX, left voicemail
Company Response: Closed with explanation

Timely Response

2019-03-25

Lincoln Heights, CA

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-03-13

Charlotte, NC

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive notice of right to dispute
Complaint: on XX/XX/2019 a company called William and Fudge called me from a North Carolina number. They stated I had a federal Perkins loans that had been transferred to their office. Prior to this I had never heard of the company or received anything from the original loan provider XXXX XXXX XXXX , XXXX . When I spoke with the company they confirmed that they never sent anything out. I requested a be mailed something that verify who this company is and that the account had been transferred to them before giving them my personal information. They stated they wanted to add this to a loan set up I already have with another Student loan provider. They wanted me to give them the information to that company so they could add this amount. I never received anything that verified the company. On XX/XX/19 I received an email from a ( XXXX ) only when opening the email does it say William and Fudge. Once again this letter doesn't make any reference to the original company or that account number nor did it state any information validating the company. In fact it looked like a logo was copy and pasted into the email and then they typed below. Additionally the number listed in the email does not match the number they call from. When you call the number back they don't answer with a company name.
Company Response: Closed with explanation

Timely Response

2019-03-12

Arco, CA

Threatened to contact someone or share information improperly

Debt collection: I do not know

Talked to a third-party about your debt
Complaint: i was contacted by a XXXX acquaintance. this debt collector found correspondence between him and i on XXXX and they called his personal phone number to ask for information about me. he contacted me with concern. when i called this number back i told them they could not call people i barely know through social media to contact me. i was yelled at, and told " you WILL listen to me '' which upset me so badly i screamed at the woman on the phone and hung up on her. it is one thing to call family members. but to call people who barely know me is unacceptable
Company Response: Closed with explanation

Timely Response

2019-03-06

Miami, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

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

Timely Response

2019-03-01

Bridgeport, CT

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent a letter to Williams & Fudge Inc about a collection on my credit report on XXXX. The company received the letter on XXXX and have failed to validate the debt in the 30 day time frame or mark the debt as disputed so i sent the company a second letter on XXXX which they signed for on XXXX. I have still not received any response to either of my letters and the account has not been updated to the disputed status.
Company Response: Closed with explanation

Timely Response

2019-02-28

Jersey City, NJ

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

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

Timely Response

2019-02-24

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt is not yours
Complaint: I received a debt collection letter from Williams & Fudge Inc for the College of XXXX Nevada stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX, XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything.
Company Response: Closed with explanation

Timely Response

2019-02-24

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt is not yours
Complaint: I received a debt collection letter from Williams & Fudge Inc for the College of XXXX XXXX stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything. Also I am a retired vet I dont need a student loans I have educational benefits from the military.
Company Response: Closed with explanation

Timely Response

2019-02-20

GA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: XXXX XXXX XXXX XXXX {$140.00} There is no contract, no valid claim ... account was settled with original creditor by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Company Response: Closed with explanation

Timely Response

2019-02-20

Ottawa Hills, OH

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-19

Scottsdale, AZ

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted your employer
Complaint: Williams & Fudge ( located in Virginia ) repeatedly called and harassed me after I asked to stop and hung up several times. This was all for a bill for my XXXX school that was already paid for. They called me from a number that was disguised as my work office, or they called my work and had it transferred to me. I just checked my credit score, and it dropped 25 points from claims against my reputation.
Company Response: Closed with explanation

Timely Response

2019-02-15

Bronx, NY

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-15

Sioux Falls, SD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-02-14

Lake Grove, OR

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

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

Timely Response

2019-02-12

Chandler, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-01-31

Fresno, CA

False statements or representation

Debt collection: Private student loan debt

Impersonated attorney, law enforcement, or government official
Complaint: This debt is not something that I even owe in the first place. XXXX University states I didn't drop a class in time which I did. I never attended one class and I dropped the class before the first day which is well within the time in order to avoid being charged. In addition, I have requested documentation of proof that I owe this debt numerous times from both the school and now this collection agencies and have received nothing. In fact, a representative from Williams and Fudge showed up at my work saying they were suing me and that they had documentation for me. They were rude and persistent, trying to have my HR department contact me ( they contacted me after the man left the office to let me know ). Finally the representative agreed to leave his contact number for me to reach him. When I called the number he again said he was trying to serve me papers and asked why I hadn't been answering my door at my home. I told him no one had come to my home while I was there. I then asked what this was about and he explained it was for my debt with XXXX and that I needed to pay it immediately to avoid litigation. I explained to the man that I did not agree that I owed this debt and I wanted copies of documentation to prove I owed this money. I also told him I had not received any correspondence in the mail or phone calls from his company so I was taken aback by this aggressive approach. He told me I sounded like I knew what I was talking about. I told him what I did for a living and he quickly got off the phone. I never received the documentation I requested and I never heard back from the company either via mail or phone.
Company Response: Closed with explanation

Timely Response

2019-01-31

Chicago, IL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I have no contract with this company and no one has ever reached out to me in regards to this debt written or verbally. It is illegal to put something on a credit report without consent and not letting the other party know about it. Furthermore, this debt is unverified and there is no real proof that I in fact owe this debt.
Company Response: Closed with explanation

Timely Response

2019-01-22

Las Vegas, NV

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Talked to a third-party about your debt
Complaint: This company is contacting relatives and disclosing personal information to them about a debt from a school from a semester I never even attended. They have contacted at least 2 people that do not have permission to speak on my behalf and who the company had to use illegal tactics to get the information. They called two people on XX/XX/2019. And they disclosed personal details to one and got rude. They contacted one of the same people on XX/XX/2019. The callers name was XXXX XXXX. He told them that I owed {$1100.00} for XXXX ( which I do not ). And threatened to keep calling the person until they got in contact with me. I will be contacting a lawyer this week and pursuing legal action for the credit rules they have violated. I will also be contacting XXXX for the false charges from a semester I never attended. I have screenshots of the calls and recordings to prove my case.
Company Response: Closed with explanation

Timely Response

2019-01-16

Arvada, CO

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-01-05

Dallas, TX

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive notice of right to dispute
Complaint: Upon checking my credit report I noticed a new inquiry from a company called WILLIAMS AND FUDGE INC. The company is reporting negatively and I have no clue as to who or what this company is as they have not mailed, emailed, or called me regarding the debt prior to reporting negatively on my report.
Company Response: Closed with explanation

Timely Response

2019-01-02

Houston, TX

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2018-12-28

Northside, NC

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I was contacted by Williams and Fudge Inc about a debt that I owed to XXXX University. I was told that I could settle the debt of XXXX for half XXXX. I made a payment of 2000.00 on XX/XX/XXXX and it was processed on the XX/XX/XXXX. I made the additional payment of XXXX on the XX/XX/XXXX and it was processed on the XX/XX/XXXX. I was told that I would receive a written statement that my account had been settled. Today on XX/XX/XXXX I was told that the second payment of XXXX was not received and it was returned and I would have to pay it again. I reached out to the bank the card was from and they provided me with documentation showing that they still had the payment and it was not returned. When I spoke with the company the person I spoke with did not give me any reliable information, she told me that she saw I spoke with a person and made the payment for the remaining balance but it was not there and she didn't tell me who to speak with or explain to me how or what happened. The only thing she told me was I would have to pay the additional amount for it to be settled. I have attached the account balance showing the XXXX I paid from there site, the XXXX payment from my bank when it was made and when it was posted, along with the original email when the settlement was established.
Company Response: Closed with explanation

Timely Response

2018-12-16

IL

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Complaint: William 's and Fudge, Inc has made several attempts to collect debt that they can not verify. I have asked for verification of debt proving I am responsible for the debt. It has not been confirmed in the mean time the company proceeds to charge me fees and ignore my requests stating I never asked for validation of debt even though I did and can prove it.
Company Response: Closed with explanation

Timely Response

2018-12-05

Tacoma, WA

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Contacted your employer
Company Response: Closed with explanation

Timely Response