Williams Fudge, Inc

2018-05-29

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

2018-05-18

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-05-18

Brighton, CO

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-05-04

Santa Maria, CA

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2018-05-02

Odessa, FL

Threatened to contact someone or share information improperly

Debt collection: Federal student loan debt

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

Timely Response

2018-05-02

Moapa, NV

Incorrect information on your report

Student loan: Private student loan

Account status incorrect
Complaint: I started school inXX/XX/XXXX at XXXX College. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I never made a payment and I defaulted on my loan with XXXX XXXX XXXX. I was also out of school XX/XX/XXXX toXX/XX/XXXX. I was then in school fromXX/XX/XXXX toXX/XX/XXXX ... XXXX then made a false claim that I made three payments of $ 600+ in XX/XX/XXXXand closed my account. Impossible since I was still in school. ( XXXX XXXX XXXX campus ). Since then I consolidated my loans and according to CA law the SOL is 4 years from time of first default to sue, well in XX/XX/XXXX, I get a notice that XXXX sold my account to Williams and Fudge. 6 Years from the first default and now Williams and Fudge is suing me. XXXX is a total SCAM!!!
Company Response: Closed with explanation

Timely Response

2018-04-25

Arsenal, PA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I RECEIVED REPEATED CALLS FROM XXXX XXXX AND XXXX XXXX STATING THEY WERE FROM WILLIAMS AND FUDGE. I REQUESTED WRITTEN VERIFICATION OF THE DEBT AND A STATEMENT. THEY REFUSED TO PROVIDE BOTH. THEY STATED THAT THEY DID NOT HAVE TO FOLLOW THE LAW. I SAID I WANTED AN ADDRESS TO DISPUTE IN WRITING. THEY REFUSED TO GIVE ME THE ADDRESS. I ASKED THEM TO STOP CALLING AS THEY WERE REFUSING TO FOLLOW FEDERAL LAW. THEY USED ABUSIVE LANGUAGE AND HUNG UP.
Company Response: Closed with explanation

Timely Response

2018-04-23

Chicago, IL

Written notification about debt

Debt collection: Private student loan debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: Williams and Fudge called claiming they initiated contact months ago, only after receiving the call did I find an email from them that had been sent months ago but contained little information other than an attached PDF with instructions on how to open it. No where in the email does it state that this is an attempt to collect on a debt and has so little information that I had initially presumed this to be a phishing email. It doesn't not seem fair or in good faith for a debt collector to " initiate contact '' with a purposefully vague email that requires downloading an attachment just so they can start the 30 day countdown over disputing the debt. It was not until months later, after the 30 days, that I started receiving phone calls notifying me about said debt. This appears intentional on their part in order to avoid having to respond to a debt validation letter. I was able to contact the school in order to verify that this debt was legitimate however as stated earlier this does not seem to be fair to the consumer and intentional on part of Williams and Fudge. *I currently can't attach a pdf of the email so below is it copied. Subject : Personal Business Body : Your eDocument is best viewed using the latest version of the XXXX XXXX - get it here Welcome to eNotice - Please review this email carefully. XXXX Authenticate Your Details : This attached document is intended and restricted to be viewed by : XXXX XXXX XXXX Dear XXXX XXXX XXXX, To open your secure document : 1. Open the PDF attachment. 2. Provide the last 4 digits of your SSN to open the document. If you follow the instructions and are unable to access the attachment, then you may not be the intended recipient of this email. If you are unable to open the attchment, please use the instructions provided to unsubscribe. Sincerely, Williams & Fudge , Inc. XXXX Your eDocument is Secure This eDocument is encrypted for your protection. To view the document enter the Last 4 digits of your SSN in the Password field of the PDF. XXXX Get XXXX XXXX You'll need the XXXX XXXX to view your secure eDocument. Get it now. You may contact us at : Williams & Fudge , Inc. XXXX XXXX XXXX XXXX XXXX, SC XXXX Unsubscribe Instructions Go here to unsubscribe : Unsubscribe Link Attachments area
Company Response: Closed with explanation

Timely Response

2018-04-23

Daytona Beach, FL

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was result of identity theft
Complaint: This account was unauthorized. I am a victim of identity theft.
Company Response: Closed with explanation

Timely Response

2018-04-22

Harsens Is, MI

Communication tactics

Debt collection: Federal student loan debt

Used obscene, profane, or other abusive language
Complaint: I mention how I wouldn't be able to pay the full balance offered because of an add on/default charge of 600 to 700 dollars and how I would rather " eat '' then starve ( from lack of financial resources ) and pay for the bill. She said " it doesn't matter, do you want the legal authorities to seize your assets? Are you ready to make a payment or not? I will put a refusal to pay on your account. '' Very unprofessional Tuesday, XX/XX/XXXX. XXXX. " We don't have time for games. We see your call record. If you're not willing to pay today I will put a refusal to pay on your account. Very unprofessional
Company Response: Closed with explanation

Timely Response

2018-04-19

Aurora, CO

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-04-12

Chicago, IL

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-04-10

Charleston, SC

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-04-05

Aurora, CO

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

2018-04-03

American Lake, WA

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-03-21

Balch Springs, TX

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-03-20

Bloomington, MN

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-13

Shalimar, FL

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Contacted your employer
Complaint: XXXX XXXX from Williams and Fudge XXXX XXXX XXXX XXXX SC XXXX XXXX I have been repeatedly harassed after asking them to stop calling. They called my employer on XX/XX/18 at XXXX XXXX They have never sent paperwork to me.
Company Response: Closed with explanation

Timely Response

2018-03-05

Cedar Hill, TX

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

2018-03-05

Raeford, NC

Written notification about debt

Debt collection: Federal student loan debt

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

Timely Response

2018-02-28

CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Hello, When I was a XXXX in XXXX XXXX, before my XXXX birthday, my XXXX XXXX signed me up for a XXXX level class that I took online. Years later, I find the debt for the class on my credit report and am receiving bothersome calls from the collection agency. I never signed an agreement, but even if I had, I wasn't old enough to make an agreement to pay. I was in the public education system and I wouldn't have been able to consent to paying for a class. The debt collector is calling me constantly, has never provided any proof that I needed to pay or consented to pay for a class. I thought my school would pay for the class. My parents never signed an agreement either. Please help me if you can.
Company Response: Closed with explanation

Timely Response

2018-02-27

Atl, GA

Written notification about debt

Debt collection: I do not know

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

Timely Response

2018-02-27

KY

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted you after you asked them to stop
Complaint: A person identifying themselves as " XXXX '' called my place of employment 8 times in one day trying to get in contact with me on XX/XX/XXXX. My administrative staff believed it to be some sort of emergency because of the repeated calls. When I returned to my desk, I called the number that was left. " XXXX '' identified himself as someone working for Williams and Fudge who was looking for who they had reason to believe was my spouse about a " business matter. '' I told him that I do not know who he is and I will not confirm that the person he is looking for is my spouse, again because I do not know who he is. I told him that he is not to contact me again in attempts to contact someone else. I told him explicitly that he does not have my permission to contact me at work looking for someone else. I repeated myself that he can not call me at work and asked him if he understood. He said that he did. Today, XX/XX/XXXX ; a man identifying himself as " XXXX '' from Williams and Fudge called me at my place of employment saying that he had to " talk to me about a business matter with my spouse. '' I recognized the name of Williams and Fudge again and said that I spoke with someone from there weeks ago that they do not have my permission to call me at work looking for someone else. I repeated myself and told him not to ever call me at work looking for someone else. I then hung up. I believe they are harassing me. Calling constantly and ignoring my demands that they not contact me at work when they are trying to actually contact someone else. I refuse to confirm with them whether the person they are looking for is my spouse because again I do not know who they are or for what purpose they are trying to contact this other person. Regardless, they have been told multiple times that they do not have permission to call me at my place of employment.
Company Response: Closed with explanation

Timely Response

2018-02-10

Huntsville, AL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Need information about your loan balance or loan terms
Complaint: I am just now learning about credit I tried contacting the Creditor but would not get a response every time I tried contacting them I am only XXXX years old and now have some knowledge on credit so this would not happen again. Opened : XX/XX/2017 ( 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX {$440.00}
Company Response: Closed with explanation

Timely Response

2018-02-08

Alta, CA

Threatened to contact someone or share information improperly

Debt collection: Federal student loan debt

Contacted your employer
Complaint: XXXX XXXX with Williams & Fudge contact my Employer posing as a customer needing assistance and being unable to reach me. The Representative referred this matter to my Manager and asked my Manager to contact XXXX XXXX immediately. XXXX XXXX is in fact attempting to speak with my daughter regarding an outstanding student loan and used Social Engineering tactics to falsely gain confidential information.
Company Response: Closed with explanation

Timely Response