Williams Fudge, Inc
Consumer Complaints
There are over 507 complaints on file for Williams Fudge, Inc. Dated between 2019-12-05 and 2013-08-01.
Complaints Page 9
2017-05-04
Memphis, TN
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Complaint: XXXX XXXX y hired Williams and Fudge to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from XXXX , it should also be deferred with my other student loans. I have reached out to Williams and Fudge o n XXXX XXXX and XXXX of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with XXXX . They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since XXXX XXXX , 2017. P lease see attached document
Company Response: Closed with explanation
2017-05-04
False statements or representation
Debt collection: Private student loan debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2017-05-03
FL
Dealing with your lender or servicer
Student loan: Federal student loan servicing
Don't agree with the fees charged
Complaint: I submitted a complaint about XXXX XXXX of XXXX trying to charge me almos st 5,000 do llars for attending their school for a few weeks. Now they have a company calle d Williams and Fudge hara ssing me.
Company Response: Closed with explanation
2017-05-03
Garland, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro 2 co mpliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Company Response: Closed with explanation
2017-05-03
GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I attended a College called XXXX XXXX XXXX in XXXX , GA in Fall of XXXX . To get my tuition covered I took out a couple of XXXX XXXX that had been offered to me. Once I left the school I made sure I did n't owe the school money and I did n't have any holds because I wanted to transfer all my credits to a new school. XXXX XXXX sent my transcript to my new school. Currently I am enrolled in school and I am on track to graduate with my XXXX . So, I am very confused how XXXX XXXX is saying I owe XXXX dollars and release my transcript to continue school. When I stopped attending XXXX XXXX there was a {$0.00} balance on my account. Attached details how much I 've been awarded Fall of XXXX . Which I accepted in the beginning of the semester. This seems to be a error on the schools end not on my end because it seems to me that for some reason my loans did n't get disbursed even though I accepted to received them that semester.
Company Response: Closed with explanation
2017-05-01
Newnan, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I saw that the company placed a collection on my credit report. I called on Monday, XXXX XXXX XXXX and requested that it be removed from my credit report as it has already been filed under my bankruptcy and they have not done so. I called again today and nothing was handled. This is the company WIlliam and Fudge Inc.
Company Response: Closed with explanation
2017-04-27
Oxford, GA
Attempts to collect debt not owed
Debt collection: Federal student loan debt
Debt is not yours
Complaint: In XXXX I applied for financial aid to attend XXXX XXXX College. I applied for a student loan to cover the total cost of my expenses for the semester. A month and a half into the semester, I received an email stating that I had received too much money from the school. When I emailed XXXX XXXX , Direct Loan Financial Aid Specialist, a bout it and asked for proof of why I owed the school, He could not provide me with anything. He wrote me an email, where he spelled my name wrong ( I do n't think it was intended even for me! ), and vaguely stated I owed the school money! Fast forward 4 years later, they have sold that debt to a debt collector nam ed Williams and Fudge to the tune of {$3000.00}, which is negatively impacting my credit and also have held my grades so that now I 'm not able to continue my academics! When I disputed this account through the credit bureaus, they refused to delete it and sent me a faulty ledger, with dates out of place, and no signatures! I have done the math and It was not proper validation of debt that I owe then anything!
Company Response: Closed with explanation
2017-04-18
Charlotte, NC
False statements or representation
Debt collection: Federal student loan
Attempted to collect wrong amount
Complaint: I only owe {$33.00} they have n't showed that I been paying on this collection
Company Response: Closed with explanation
2017-04-15
Foy, CA
False statements or representation
Debt collection: Other (i.e. phone, health club, etc.)
Attempted to collect wrong amount
Company Response: Closed with explanation
2017-04-15
Helt, IN
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: The debt for XXXX college through the collections agency williams and fudge has never been validated. This account has been removed and readded TWICE without any notice to me, as well as no validation of the account sent to me at all. The collection agency has my phone number, home address and email address and has never notified me of readding this account. I want this account removed for good and blocked from ever being readded as they have broken FCRA laws while trying to collect an unverified debt and ruining my credit worthyness under false and inaccurate information.
Company Response: Closed with explanation
2017-04-13
Walden, CO
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: The debt collection agency, Williams & Fudge, incorrectly reported to credit reporting agencies that I owed a tuition debt to XXXX. I did not attend XXXX in XX/XX/2014-XX/XX/XXXX.
This false reporting of a debt I did not owe, caused me to be declined for a credit card through my credit union.
Company Response: Closed with explanation
2017-04-07
Glenmont, OH
Credit reporting company's investigation
Credit reporting:
Problem with statement of dispute
Complaint: I am a XXXX veteran. I have been give student loan forgiveness. All Loans were supposed to be rolled into XXXX and then discharged. I disputed this with the XXXX. Upon checking my credit report today I noticed that instead of the company placing a dispute on the original account. They just created another identical account and added the dispute to that account, leaving now XXXX accounts on my report.
Company Response: Closed with explanation
2017-04-06
Manteca, 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
2017-03-29
Charlotte, NC
Disclosure verification of debt
Debt collection: I do not know
Not given enough info to verify debt
Company Response: Closed with explanation
2017-03-16
Lithia, FL
Disclosure verification of debt
Debt collection: Non-federal student loan
Not given enough info to verify debt
Company Response: Closed with explanation
2017-03-07
Canal Whchstr, OH
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
2017-03-07
Ocoee, FL
Incorrect information on credit report
Credit reporting:
Account status
Company Response: Closed with explanation
2017-03-02
Buckhorn, MO
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Company Response: Closed with explanation
2017-03-02
Round Rock, TX
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt is not mine
Complaint: On XXXX XXXX, XXXX, I was advised to check my credit score because it was way low so I checked my credit report to discover that there 's a collection account showing opened XXXX XXXX, XXXX and reported on XXXX XXXX, XXXX from Williams Fudge Inc. for {$4000.00}. I have not received any formal letter or a courtesy phone call from this company. My address and telephone number is still the same. I 've had many issues in the past with this company and others about this particular debt that keeps reoccurring on my credit report. I have already sent XXXX letters to Williams Fudge Inc. back in XXXX XXXX & XXXX XXXX ( certified mail receipt ) regarding this same exact debt letting the company know that I do not owe this debt. The negative information was removed off my credit report back then. In XXXX XXXX another company placed the exact same debt on my credit without notifying me. It was later removed. And here we are yet again in XXXX XXXX this debt is back on my credit report with another so called owner/collector. Ridiculous!! This is a horrible pattern with companies not notifying individuals & placing things on your credit, not providing legitimate validation but expect consumers to pay. I have asked several other agencies that are buying/selling/trading this particular debt to validate this debt. NO collection agency can provide to me a copy of a loan agreement, contract or promise to pay. For an agency to just keep putting negative/inaccurate debt on people 's credit report is wrong. At this point I feel like I am being harassed. I am asking for this to be removed once again from my credit report immediately.
Company Response: Closed with explanation
2017-02-28
Moscow, ID
Communication tactics
Debt collection: I do not know
Called outside of 8am-9pm
Company Response: Closed with explanation
2017-02-28
Ft Belvoir, VA
Improper contact or sharing of info
Debt collection: Non-federal student loan
Talked to a third party about my debt
Complaint: An employee of William and Fudge contacted a friend, that they found viewing my XXXX profile, but said he was found through public records, and asked for my phone number regarding my debt. My friend refused to share my phone number and when I asked why they called my friend, I was told they could not find a way to get into contact with me but yet all my phone numbers and family members are public record.
Company Response: Closed with explanation
2017-02-27
Greenwood, CA
Dealing with my lender or servicer
Student loan: Federal student loan servicing
Having problems with customer service
Complaint: I mailed a letter requesting a Validation of Debt. The Validation of Debt letter was mailed via Certified Mail and delivered and signed for by a Williams & Fudge employee on XXXX at XXXX, SC XXXX. As of yet, the firm has not complied with my request. This VOD was mailed well within the 30 day time period as stated by law.
Under the Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall CEASE AND DESIST collection of the debt, or any disputed portion thereof, UNTIL the debt collector obtains VALIDATION OF THE DEBT.
If any debt collector fails to comply with the " validation of debt notice '' the borrower is entitled to an award of actual damages, statutory damages up to {$1000.00} XXXX per count ), cost and attorneys fees. 15 U.S.C. Sec. 1692k ( a ). Class action relief is also available. 15 U.S.C. Sec 1692k ( a ) ( B ).
William 's & Fudge has not responded to my Verification of Debt, nor my follow up demand for my account to be closed due to their FDCPA violation. I have not received any documentation verifying the alleged debt, nor a confirmation of account closure that is required due to the company 's FDCPA violation.
Company Response: Closed with explanation
2017-02-18
Bremen, GA
Taking/threatening an illegal action
Debt collection: Non-federal student loan
Threatened arrest/jail if do not pay
Complaint: I am a XXXX Veteran, and this company continued to threatened me without any proper verification of this alleged debt. This debt is not mine and i have continued to request for validation and verification but to no avail
Company Response: Closed with explanation
2017-02-18
Tonalea, AZ
False statements or representation
Debt collection: Other (i.e. phone, health club, etc.)
Impersonated an attorney or official
Complaint: The debt collector repeatedly states that they " work '' for the public university, XXXX. They claim they work directly for XXXX University and have to make all decisions with the university, never mentioning " Williams and Fudge '' as their employer or admitting they purchased my debt.
Company Response: Closed with explanation
2017-02-17
Royal Palm Beach, FL
Dealing with my lender or servicer
Student loan: Non-federal student loan
Don't agree with fees charged
Company Response: Closed with explanation