Williams Fudge, Inc

2017-09-27

Kings Mountain, NC

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-09-23

Bolen Town, SC

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2017-09-20

N Palm Beach, FL

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Keep getting calls about your loan
Company Response: Closed with explanation

Timely Response

2017-09-18

Chicago, IL

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

2017-09-01

Five Points, NC

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: Since XXXX XXXX, I have been making monthly {$120.00} payments on student loans owed to XXXX XXXX XXXX that were sent to Williams & Fudge Inc. for collections. My XXXX credit report lists the following for the three loans in question : 1. Opened XXXX Recent balance {$6900.00} as of XXXX/XXXX/XXXX {$800.00} past due as of XXXX XXXX 2. Opened XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX {$710.00} past due as of XXXX XXXX. 3. Opened XXXX Recent balance {$9100.00} as of XXXX/XXXX/XXXX {$1000.00} past due as of XXXX XXXX I have contacted Williams & Fudge on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. On XXXX/XXXX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method On XXXX/XXXX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. Williams & Fudge has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.
Company Response: Closed with explanation

Timely Response

2017-08-23

Nyc, NY

Incorrect information on your report

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

Account status incorrect
Complaint: Last year I made an agreement with XXXX University and their debt collector to rehabilitate a student loan. I have adhered to all parts of the agreement. Yet this is still showing up on my credit report negatively and in collections. This is unfair and is affecting my life adversely
Company Response: Closed with explanation

Timely Response

2017-08-17

Shoals, GA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-08-16

Jonesboro, GA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-08-14

Cherry Brook, MA

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

2017-08-14

Denver, CO

Took or threatened to take negative or legal action

Debt collection: Federal student loan debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2017-08-07

Atlanta, GA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I called to pay a balance my school reported to them for {$3600.00}. They tell me that I owe {$4700.00}. Now I owe over {$1000.00} to pay a past due debt? This is rediculous. They are badgering XXXX and taking advantage of us. If I did n't have the {$3600.00}, why would you hike it up over {$1000.00}. I am in talks now with my school, because even my school mentioned that this is absurd. They will be contacting the agency. Whoever added this astronomical fee to my debt will pay severly. Please contact this agency to resolve this. I am willing to pay the {$3600.00}, but they are really on the high end for fees. They are using unfair debt collection practices to bully me into paying for these high fees for their commissions. They are telling me that this balance comes from the school. The school said they did not send over the {$4700.00} to be paid. They sent the balance fo {$3600.00} to be paid. I have attached the screen shot of my XXXX account. I have also attached an email I received from Williams and Fudge.
Company Response: Closed with explanation

Timely Response

2017-08-01

Plain View, VA

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: Williams & Fudge just attempted to contact a family member residence to request information pertaining to XXXX XXXX XXXX, consumer, however, consumer XXXX XXXX XXXX answered the residential phone and asked what the business matter was in regards to and the representative XXXX indicated that she could not disclose. Therefore, it was suggested that XXXX not contact family members again as I have no business matters that I use family members address or phone number ( s ) for. It is believed that after reviewing the webpage for Williams & Fudge that this matter is related to XXXX University and the complaint should be associated with XXXX. XXXX University additionally contacted XXXX XXXX XXXX on XXXX XXXX, 2017 via personal email to fill out additional paper for financial aid, however, the consumer has not done so. Additionally, I was charged a graduation fee and I do n't see or have received a letter telling me where to pick up the diploma ( Tennessee ).
Company Response: Closed with explanation

Timely Response

2017-07-31

MO

Communication tactics

Debt collection: Private student loan debt

You told them to stop contacting you, but they keep trying
Complaint: William Fudge is not licensed to collect a debt in Missouri. Williams & Fudge , Inc. XXXX XXXX XXXX XXXX XXXX, SC XXXX
Company Response: Closed with explanation

Timely Response

2017-07-27

Silver Spring, MD

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: I contacted Florida XXXX and XXXX XXXX XXXX XXXX about my federal loan. They are refusing to apply the amount I qualified for in Fall of XXXX. They are claiming there are timelines. This is not true. I contacted fasa and they said it is up to the school. Furthermore, I was told my financial aid was incomplete by the university. I never received any correspondence stating this. I and, my mother contacted the University 's financial aid office several times, and was told everything was fine and, my award would automatically be applied to my.
Company Response: Closed with explanation

Timely Response

2017-07-24

NJ

False statements or representation

Debt collection: Private student loan debt

Indicated you were committing crime by not paying debt
Complaint: Was offered a settlement by debt collector of {$1900.00} in XXXX of 2017. W as unable to settle said debt at the time. Contacted the debt collector personally offering a settlement of {$1000.00} 4 months after their offer. Came to this number after making {$920.00} in payments over 4 months ( {$230.00} in auto debit s ). Debt co llector proceeded to tell me they had to get approval from accou nt holder ( XXXX University ) since they o wned account. Debt collector responded that the offered was turned down by account hold er ( XXXX Universit y ). I then contacted the school personally and spoke to XXXX XXXX . She then instructed me the school would be willing to work out some settlement but the debt collector ( Williams and Fudge ) st ated they would not take a settlement due to the comission rate. Then contacte d Williams and Fudge directly ag ain and they said that this was false and that they would not say that. XXXX XXXX ( representative from Williams and Fudge ) s tated that I would not be able to renegotiate my monthly payment amount of {$230.00} per month to {$50.00} per month due to economic hardship since it is not an adequate amount for my debt. Direct line for me is XXXX XXXX XXXX ( cell ) direct office lin e during business hours is XXXX XXXX XXXX ( offic e line ) Contact in fo for XXXX XXXX is XXXX ( XXXX XXXX XXXX Contact info f or XXXX XXXX is XXXX XXXX XXXX ext XXXX
Company Response: Closed with explanation

Timely Response

2017-07-20

Bexley, OH

Communication tactics

Debt collection: Federal student loan debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-07-11

PA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I looked at my credit report and i noticed that the collection agency Williams & Fudge INC is reporting a collection account on my file for {$1900.00}. I have no knowledge of this debt and i was never sent a DV or anything. This debt is not valid and does not belong to me
Company Response: Closed with explanation

Timely Response

2017-06-28

Prior Lake, MN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2017-06-27

Main Office, VA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: On XX/XX/XXXX, I signed registered with the University XXXX XXXX for an XXXX class ( XXXX XXXX ). The very next day I got an email stating the class is not excepting enrollments from the University XXXX XXXX and thus I did not take the class. In XX/XX/XXXX, I get a letter from Williams & Fudge , Inc stating I owe {$1500.00}, about a quarter of it is late fees. I ca n't understand why they want me to pay for a class I could not attend per the University XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-06-06

Andover, MN

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-06-01

Lake Shore, MD

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-05-31

Columbus, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX , 2016 amounts is {$1400.00}. I have contacted the company to dispute this debt because the school issued out money I was not due and I should not be held responsible for this error on their behalf.
Company Response: Closed with explanation

Timely Response

2017-05-28

Savannah, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This company is coming after me for a debt that does not belong to me. I asked for validation with a signed contract and from what company I was sent a receipt from an institution I did not attend. I am am a victim of indetity theft and this debt is not mine.
Company Response: Closed with explanation

Timely Response

2017-05-22

Seneca, SC

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: I am reporting multiple incidents involving one of your employees. The most recent incident was X/XX/2017 around XXXX XXXX. XXXX XXXX is the person that has called me, my fianc, and my father numerous times, regarding a student loan. About a month ago, he was calling up to 6 or 7 times per day about balance of {$800.00} from XXXX XXXX College. I immediately contacted my father and we paid the debt from XXXX XXXX. Today, he called me again but this time he said it was regarding a {$50000.00} debt to the company he works for. I have always tried to offer any information I could and resolve the issue. I am paying my student debt in monthly payments so I had questions as to why I was receiving so many phone calls from XXXX XXXX and why he was so aggressive over the phone. When I asked for more information, XXXX XXXX said he " did n't know why the numbers were so high '' and that I could be imprisoned for not settling this debt right now. I continued to ask for more information since I was clearly taken back by this news. XXXX XXXX replied by telling me that if I did n't " resolve the issue '' before XXXX XXXX tonight with him that there would be consequences. I wanted to bring this issue to your attention since I 'm sure your company does not condone this kind of unprofessionalism. <P/>Thank you
Company Response: Closed with explanation

Timely Response

2017-05-08

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I attended part of semester at XXXX XXXX in XXXX XXXX XXXX . I withdrew from my courses. XXXX XXXX charged me a penalty. Subsequently, my XXXX tax return was seized to cover the entire {$770.00} penalty the school charged me. They later sent me a letter notifying me. I received this letter from XXXX XXXX , attempting to collect the same debt. I asking that this debt collector be sanctioned for attempting to collect a debt, which has been paid in full.
Company Response: Closed with explanation

Timely Response