Williams Fudge, Inc

2018-12-04

Niangua, MO

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

2018-12-01

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This is my not my debt.
Company Response: Closed with explanation

Timely Response

2018-11-27

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX XXXX ss # XXXX dob : XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wlms Fudge Opened XX/XX/XXXX {$740.00} Original creditor : XXXX UNIVERSITY Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Wlms Fudge Opened XX/XX/XXXX {$740.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report
Company Response: Closed with explanation

Timely Response

2018-11-21

Wascott, WI

Written notification about debt

Debt collection: Federal student loan debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2018-11-20

Newnan, GA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: on XX/XX/XXXX i was contacted about a debt i wasnt aware i asked him to please verify the debt and he refused to verify it and he said it was my responsibility to prove it wasnt my debt and he was going to start reporting it to my credit
Company Response: Closed with explanation

Timely Response

2018-11-19

Lewisville, TX

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: I am a survivor of XXXX and XXXX XXXX and I my XXXX coherst me into several private student loans to where he bought a XXXX, and another car for my son, and used for fixing up our house. The only way I could get peace was is I agreed to sign this loan. We divorced 4 years ago and I still am trying to rebuild and find relief from this marriage. The only way he agreed to get the divorce was he put XXXX and XXXX all over me and his choice was either jail or give me money so I could hire an attorney. 4 years later I am still seeking relief. I can not pay this loan because it is from XXXX XXXX. Please help.
Company Response: Closed with explanation

Timely Response

2018-11-18

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Complaint: Back in 2016 I attended XXXX University. I applied for financial aid and was awarded the aid. I end up failing the class and now they are trying to charge me the full amount of the class when they were paid. My financial was never sent back to XXXX XXXX XXXX XXXX XXXX. I do not owe that debt as it was paid when my financial aid was disbursed.
Company Response: Closed with explanation

Timely Response

2018-11-18

Palos Park, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: In XX/XX/2018, XXXX XXXX XXXX Collection Agency placed this account on my credit report for the amount of {$3500.00} on behalf of XXXX University. I have disputed this account SEVERAL times with the other collection agencies whom have owned this debt. Each time I have disputed the account, it has been removed from my credit report. I have never attended this University. This is the 6th time this debt has been added to my credit report and the 6th time I am fighting to get it removed. Furthermore, I did not receive any written letter from the University or the collection agency as to their actions of trying to collect this debt. Below is a list of dates in which this item has been removed from my credit report : XXXX XX/XX/2017 XXXX UNIVERSITY {$3000.00} XXXX XX/XX/2016 XXXX UNIVERSITY {$3000.00} XXXX XXXX XXXX XX/XX/2017 07 XXXX UNIVERSITY {$3000.00} XXXX XXXX XX/XX/2017 07 XXXX UNIVERSITY {$3000.00} XXXX XX/XX/2016 07 XXXX UNIVERSITY {$3000.00}
Company Response: Closed with explanation

Timely Response

2018-11-16

Herndon, VA

Communication tactics

Debt collection: Private student loan debt

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

Timely Response

2018-11-07

Greensboro, NC

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-11-07

Schenectady, NY

Written notification about debt

Debt collection: Private student loan debt

Didn't receive enough information to verify debt
Complaint: XXXXXXXX XXXX claims that my son took out two loans using me as a co-applicant in XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency Williams & Fudge. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. I contacted Williams & Fudge and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. I then started to seek help regarding these loans to I asked for proof of them loans and XXXXXXXX XXXX was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. I have no direct communications with XXXX XXXX but Williams & Fudge representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now XXXXXXXX XXXX attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.
Company Response: Closed with explanation

Timely Response

2018-11-05

Cadwell, GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-10-24

Bloomington, MN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Williams And Fudge has been repeatedly calling my house asking for my wife 's dead mother, XXXX XXXX, who died 13 years ago. XXXX never even lived here, and this is a fishing expedition. We don't appreciate being called by debt collectors and reminded of a relatives death. These people have called 3 times now over several weeks. Most recently at XXXX XXXX CDT on XX/XX/2018. Each time we've told her that her mother died, and the length of time. Yet these calls persist. When asked about what the matter was about, the caller wouldn't tell us. I have a recording of this conversation if necessary. This woman died 13 years ago. Give it a rest Williams and Fudge.
Company Response: Closed with explanation

Timely Response

2018-10-23

NJ

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: Was in communication with CFPB with case # XXXXI was under the impression that this debt was deemed satisfied because I never heard back from the creditor, Williams & Fudge. Last email with said institution led me to believe this was deemed satisfied since I never heard back and it was removed from my credit report. Come to know, that the original creditor rider university was given the account back without my knowledge either written or verbal and is threatening to report it again without payment which due to lack of communication by either party I thought was taken care of.
Company Response: Closed with explanation

Timely Response

2018-10-20

Aldie, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: I have contacted Williams And Fudge via certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list that was sent ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Williams And Fudge for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill that was or itemized document does not constitute verification that Williams And Fudge mailed as explained in the letter that was mailed.Therefore if Williams And Fudge can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract it must be removed.
Company Response: Closed with explanation

Timely Response

2018-10-16

Columbia, SC

Incorrect information on your report

Student loan: Private student loan

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-10-15

Azle, TX

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-10-08

Atlanta, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-10-05

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Sent letter on XX/XX/2018 received response on XX/XX/2018. No validation waa obtained
Company Response: Closed with explanation

Timely Response

2018-09-26

Hudson, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: I have a collector who is constantly calling, and is insisting that I owe for an account which has been paid from Financial Aid ( FAFSA )
Company Response: Closed with explanation

Timely Response

2018-09-19

Carmel, CA

Communication tactics

Debt collection: Private student loan debt

Used obscene, profane, or other abusive language
Complaint: -Continuous calls from random numbers even though I told them I have tried to get finances in order so that I can actually pay. Called family members using the same language. Refused to tell me the organization they were calling from. Continuous calls very early in the morning.
Company Response: Closed with explanation

Timely Response

2018-09-17

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-08-30

Bellevue, TN

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-08-23

Lathrup Village, MI

Written notification about debt

Debt collection: I do not know

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

Timely Response

2018-08-23

Deerfield Beach, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response