Williams & Fudge, Inc.

I currently have student loan debt that I have been working to pay off. At XXXX point, I was contacted by a third-party company claiming to be debt collectors for my student loans. This initially did not make sense to me, as I already had an established payment plan in place. However, the company appeared legitimate, and after researching them online, I believed they were real. Based on that, I provided them with the information they requested. On XX/XX/year>, I fully paid off my student loans through the official loan servicer. However, on XX/XX/year>, the third-party debt XXXX withdrew {$160.00} from my account without authorization. When I called the number associated with this company, a woman answered. She spoke unclearly and behaved unprofessionally. I asked why money had been taken from my account after my loans were already paid off and requested a refund. She instructed me to send proof that my student loans were paid in full via email, which I did.…

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I made a payment on this account, but the debt collector is claiming that I did not. I have already provided documentation showing that the payment was made by showing my account balance was XXXX from the university, and bank transactions and statements showing it was paid. I also received my diploma from the school, which indicates that my account was satisfied at the time. They state they will not send a diploma with a past due balance and you are also supposed to be dropped from the class entirely for none payment. Additionally, I was never contacted or notified that I owed any balance from XX/XX/year> until this account was sent to collections. I was not given an opportunity to address or resolve any alleged balance before it was escalated. Despite this, the debt collector continues to request additional bank statements and is attempting to collect the debt again.…

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I was contacted by Williams & Fudge four times regarding a debt that isnt mine. The first contact occurred on XX/XX/year>. They called my work line from the number XXXX at XXXX XXXX EST. The company name appeared on my caller ID. Later that same day, at XXXX XXXX EST, I received a second call on my cell phone from the number XXXX. They left a voicemail identifying themselves as Williams & Fudge and requested a callback to XXXX. On XX/XX/year>, they called my work line again, this time from XXXX at XXXX XXXX EST. This time, I spoke with someone who asked for me by name but then inquired about another individual. They claimed that I was listed as this person 's wife, but I am not married. That was the only information I provided to them. Shortly after that, at XXXX XXXX EST, they called my cell phone from XXXX.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, XXXX XXXX XXXX : CFPB Complaint Follow-Up - Williams & Fudge / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I previously submitted a formal debt validation request under FDCPA Section 1692g to Williams & Fudge regarding the above account. The collector failed to respond within the required 30-day period. Despite this, the account continues to be reported as unpaid on my XXXX XXXX XXXX XXXX credit reports. Timeline of Actions : - FDCPA 1692g validation request sent : [ Insert Date ] - Disputed account with XXXX : [ Insert Date ] - Disputed account with XXXX : [ Insert Date ] - Disputed account with XXXX : [ Insert Date ] Relief Requested : 1. Require Williams & Fudge to fully validate the debt, including itemized documentation proving ownership and legal authority. 2.…

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Company started contact on XXXX XX/XX/XXXX at the number XXXX asking for collection of XXXX debt. Was called a second time at XXXX from the number XXXX with the same request. Was called for a third time at XXXX from the number XXXX but at this point I had blocked spam calls. As of today, XXXX XX/XX/XXXX, my mother was called by the company from the number XXXX requesting to speak with me on personal matters.

This is a debt from XXXX XXXX XXXX XXXX XXXX, Co. I was originally going to go there for college after my XXXX had kicked me out of the house at XXXX but it ended up being way too expensive so I became broke in the springs. Ive been working XXXX XXXX trying to to get enough money to start paying for new schooling so I can get a job that pays a livable wage. When I was going to go to that school I had planned to live on campus and had a signed a housing contract not know that if it was terminated I would be forced to pay an amount to them for a room I never even got. The phone calls I got after the sold my debt to Williams and Fudge. The man XXXX XXXX continually called and harassed me threatening me by saying if you dont pay this soon we will be forced to take other actions that can destroy or hurt your credit so I felt like the only thing I can do was be forced to pay now I am paying almost XXXX dollars a month for something I will never ever see.…

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I tried to take a class through the XXXX XXXX XXXX. When I enrolled I was told that my previous education would be sufficient for the missing degree. I have an XXXX and other college education. I was withdrawn from the class for not having the correct degree. I was withdrawn from the email system. I sent in XXXX dollars toward the class thinking they cut me off while waiting for funding. I received a letter grade of XXXX which was later changed to withdraw. I also did a petition for retroactive withdraw on XX/XX/XXXX I have emails and phone calls and letters I have written from XX/XX/XXXX. Didnt know I had a problem so started keeping them in XXXX. Received a collections notice from Williams and Fudge stating I owe XXXX. I contacted them and stated I do not owe this bill and I am disputing the bill. I am still receiving phone calls. I have asked for information for the debt and who do I need to talk to at the university He stated he would get me the information.…

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On or about XX/XX/XXXX, Williams & Fudge Inc. reported an alleged debt to the credit bureaus under Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe this debt is the result of identity theft or fraud. On XX/XX/XXXX, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I subsequently submitted written disputes via certified mail to all three major credit bureaus : XXXX ( received XX/XX/XXXX ), XXXX ( received XX/XX/XXXX ), and XXXX ( received XX/XX/XXXX ). All three bureaus investigated and permanently deleted and blocked the disputed items from my credit reports in XX/XX/XXXX pursuant to FCRA Section 605B. On XX/XX/XXXX, I sent Williams & Fudge Inc. a formal debt validation request via certified mail, as required under the FDCPA, 15 U.S.C. 1692g.…

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The representative who contacted me was aggressive and made me feel very uncomfortable with his line of questioning, asking questions about people Ive lived with or were related to and insinuated that he would be trying to hold them responsible for my debt when I made it very clear that it was my responsibility and only my responsibility. I said I dont want people being harassed for something that they hold no responsibility for, he said no one else has been called when I know this is not true because I have already been told they were contacted. I stated several times I am willing to make a payment agreement and resolve this issue, he continued to purse an aggressive and invasive line of questioning that made me feel very uncomfortable. I am a clinically diagnosed person with XXXX, and aggressive or authoritative speech causes me significant distress, which this person did.…

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In XX/XX/XXXX, William & Fudge contacted my mother regarding a debt. The man on the phone was very aggressive and my mother didnt want to confirm my information with him as she felt uncomfortable. He said to her tell her she needs to pay her debt effectively disclosing the debt to her. Along with making her extremely uncomfortable. On XX/XX/XXXX, my mother received another phone call from them. She hung up on them. I called the number to find out who called and discovered it was them contacting her again even though they already had in the past. I told the representative that last time they contacted her they disclosed my debt illegally. The woman I spoke with was very combative and rude. She told me this didnt happen. I explained that it did and that I wasnt saying SHE did so and that it was a man and it happened in XXXX. She told me I had no proof. She made condescending remarks about me needing to pay my debt.…

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This is a private student loan originally charged off in XXXX. I was never notified of default, charge-off, or that the debt may have been time-barred. In late XXXX, the loan was sold and a collection agency contacted me, representing that the loan was currently due. I was not informed the debt was old or potentially unenforceable. Based on this misinformation, I made monthly payments for several years. Payments were accepted without dispute, default notices, or clarification of the loans legal status. I later learned the loan had been charged off years earlier and that key information was withheld or misrepresented. I would not have made payments had accurate information been provided.

WILLIAMS & FUDGE INC is falsely reporting on my credit. I have never had any accounts with them. Per my research WILLIAMS & FUDGE INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

On XX/XX/year> around XXXX I was contacted by XXXX XXXX XXXX XXXX and XXXX. I had just started my work day and received a call from a number with my area code. I had assumed it was a work call and picked up. I was told I was on a recorded line and this had involved a debt. I told her that I was at work and could not talk to which she had disregarded and stated that this needed to be taken care of. I had told her again that I was at work and could not talk and would be willing to handle this another time to which she responded that once we get it settled we could get off the phone. I had told her a third time that I could not talk and at that point she had become aggressive saying I hadnt responded to her calls or emails. I had cut her off and told her sternly that I was not going to argue with her and then hung up on her. This behavior is completely unprofessional and unacceptable. I told her I was at work and she had pushed those boundaries.

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5.…

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On or about XX/XX/year>, I received a phone call from a representative of Williams & Fudge , Inc. attempting to collect a debt. The callers XXXX was extremely difficult to understand, and I could not clearly determine the nature, amount, or origin of the alleged debt. I requested written verification and documentation of the debt before making any payment. The caller became argumentative and continued to pressure me to pay while refusing to provide documentation or validation. The call felt deceptive and potentially fraudulent due to the refusal to provide proof and the inability to clearly communicate required disclosures. After independently contacting Williams & Fudge through their main office, I was later provided documentation and confirmed the debt was valid. I paid the account in full the same day.…

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In XXXX over {$1100.00} was garnished and now {$250.00} is being garnished every check to satisfy a school overpayment debt. A third party collector William & Fudge is also trying to collect on the same debt and the student loan department and accounts receivable department at the XXXX XXXX XXXX are claiming they dont know each other and not providing any info to each other about my debt being sold.

I am submitting this complaint regarding Williams & Fudges attempts to collect an alleged tuition-related balance associated with XXXX XXXX XXXX . I dispute that this balance is owed. I do not believe the charges being asserted were knowingly authorized by me and have raised concerns regarding administrative and billing errors by the original institution that led to the balance being assessed. These concerns are currently under review through a separate complaint submitted directly against the school. I have requested that Williams & Fudge provide documentation supporting the validity of the alleged debt and proof of their authority to collect. I have also exercised my rights under the Fair Debt Collection Practices Act to restrict communications to written correspondence only. Collection activity in the absence of proper verification and without honoring communication restrictions is concerning.…

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DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Kansas, XXXX Dear Williams & Fudge XXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, Experian or TransUnion ) this action XXXX constitute fraud under both Federal and State Laws.…

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On XX/XX/year>, at XXXX XXXX, I was contacted by a representative from Williams and Fudge regarding an outstanding student balance. The interaction was immediately hostile and escalated quickly due to the representatives conduct. I clearly stated that I needed to confirm details with my partner and suggested continuing the conversation the following day. I also communicated my intent to begin repayment, including an offer of {$50.00} per month in the interim while preparing to return to college in XXXX to finish my degree. Rather than acknowledging this, the representative repeatedly interrupted me, dismissed my explanation as a sob story, and implied I was being dishonest. He expressed irritation with a raised voice at any delay and became increasingly belligerent. This behavior fell far below any reasonable standard of professionalism.…

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Company name : Williams & Fudge , Inc . Type of company : Debt collector Account / Document ID ( if applicable ) : XXXX Original creditor : XXXX XXXX XXXX XXXX Date ( XXXX ) of contact : Ongoing most recent contact on XX/XX/year> Method of contact : Email and prior communications Complaint Details : I am submitting this complaint regarding Williams & Fudge , Inc. for continued attempts to collect an alleged debt without providing proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ). I previously disputed this alleged debt and requested validation. Despite this dispute and request, Williams & Fudge has continued to communicate with me and attempt collection without first providing the required verification of the debt. On XX/XX/year>, I received another email from Williams & Fudge referencing an alleged balance owed to XXXX XXXX XXXX XXXX.…

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These debt collectors have contacted me repeatedly over the course of several months, often calling multiple times per day. I have clearly and repeatedly asked that they stop contacting me. Despite these requests, the calls have continued. I have also informed them that I do not know the individual they are attempting to reach. In response, the representative became argumentative and rude. After blocking the number they were calling from, the company continued to contact me by switching to different phone numbers and calling again within minutes. This pattern of behavior has continued despite my repeated requests for them to cease communication.

I was contacted by Williams and Fudge on XX/XX/year> at XXXX XXXX where the individual on the phone mentioned they were calling in regard to a settlement offer I had made to my previous college in regard to my student debt. I was made aware that the debt was in their office and the original price of {$2200.00} was approved to be settled for {$1700.00}. I responded to XXXX XXXX, that I was not able to pay the entirety of the settlement today and could set up a payment plan. XXXX XXXX said that I was not able to make payment plans on the debt and responded saying " If you don't have the money to pay a debt, I don't understand why you asked for a settlement in the first place. ". I responded to XXXX XXXX by saying " any other place that has offered my a settlement on debts allowed me to pay in installments in order to get the debt cleared. ". His response was " nope. nope nope, you have to pay this debt today in order to settle this account. ".…

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XXXX XXXX XXXX closed an auto loan XX/XX/year> and told me to continue to pay them directly. I then received a collection notice from a Williams & Fugde collection asking for over XXXX and then offered XXXX. I have disputed this per my credit report with XXXX and they are reporting the balance is paid 100 % nothing owed and Williams & Fugde just reported this to my credit report when I reached to them. Nether company will give me accurate information nor provided me information my loan was Sold.

- Call 1 ( XX/XX/year> - XXXX XXXX ) : Initial unauthorized contact by Williams & Fudge , Inc . - Call 2 ( XX/XX/year> - XXXX XXXX. ) : I spoke with a Williams & Fudge , Inc. representative andverbally revoked all consent, stating " Stop calling me. '' The agent explicitly stated they would " keep calling '' regardless of my request. - Call 3 ( XX/XX/year> - XXXXXXXX XXXX ) : This call was placedaftermy revocation, confirming the Williams and Fudge agents threat to intentionally defy federal law. - Call 4 ( XX/XX/year> - XXXX XXXX ) : I initiated this call for the sole purpose of exercising my legal right to debt validation. During this call, I requested a written validation notice for thealleged {$1200.00} debtand reiterated that all future correspondence must be via U.S. Mail.

I am filing this complaint regarding an alleged debt that XXXX XXXX XXXX claims I owe, which they sent to a third-party debt collection agency. The agency is attempting to collect {$13000.00}, but I have not received proper verification or documentation proving that this debt is valid, accurate, or legally owed by me. I contacted the debt collector and requested full debt validation, including : 1. Proof that the debt is valid and owed by me, including a detailed breakdown of the charges. 2. Copies of any enrollment or financial responsibility agreements with my signature. 3. Documentation showing that your agency has the legal right to collect on this account. Although they responded to one of my emails, they did not provide the mandatory verification. When I emailed them again from a different email account, they did not respond at all, even though they are aware of my request.…

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Debt collector keeps calling my phone number after repeated telling them to only contact me through emails. Whenever I try to answer when they called me in the past the call would drop and they wouldnt try to call again. Theyve called me on the weekends. They call me constantly throughout the day after telling them to only email me.

XXXX XXXX XXXXXXXX retroactively reclassified a program stipend as a student loan without any loan agreement or my consent. I never signed a loan contract, promissory note, or any document authorizing the creation of a loan obligation. The original Stipend Promissory Agreement I signed on XX/XX/XXXX defines the funds as a taxable stipend and does not designate XXXX XXXX XXXXXXXX as a lending institution or school. On XX/XX/XXXX, XXXX unilaterally imposed a medical withdrawal classification on me without my request and without any medical documentation. This withdrawal letter referenced repayment of the stipend as a debt, despite the original document not defining it as a loan. Following this, XXXX and its affiliates began treating the stipend as a student loan. On XX/XX/XXXX, I received a notification from XXXX referring to the balance as a student loan owed to XXXXXXXX XXXX XXXXXXXX. XXXX later referenced the same debt in communications through their internal XXXX channel.…

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I am filing a complaint against Williams & Fudge regarding a fraudulent debt they are attempting to collect in my name for XXXX XXXX XXXX. This debt is the result of identity theft. I did NOT enroll in, attend, or authorize any coursework with XXXX XXXX XXXX. Someone used my personal information without my knowledge or consent. Despite clearly stating this and disputing the debt, Williams & Fudge has continued their collection attempts and behaved unprofessionally. When I contacted them by phone to discuss the fraud and request proper documentation, the representative became rude, dismissive, and ultimately hung up on me. This behavior is unprofessional and potentially violates the Fair Debt Collection Practices Act ( FDCPA ). I have already reported this identity theft to government authorities and attempted to file a police report. I have also contacted the school directly and left a message requesting their enrollment documentation.…

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Williams and Fudge placed an account under my name without ever giving me a clear explanation of what it came from. I was never contacted with any real details. I did not receive a statement, a bill, or any documents that show how this balance was created or why they believe I am responsible for it. Since my previous marriage ended, I have been trying to untangle old financial issues that were never fully explained to me. This looks like another situation where my information was tied to something that I never agreed to. I have not been shown anything that proves I opened an account or signed for any service that would make me responsible for this balance. This has created real problems for me when trying to move forward with basic goals like stable housing and a reliable vehicle even though I work full time and take care of my obligations. I have also never been shown anything proving that I gave Williams and Fudge permission to access, handle, or report my personal information.…

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I am a consumer filing a complaint against a debt collector, Williams & Fudge ( WF ), regarding debts originating from XXXX XXXX. The primary account number associated with this collection is XXXX ; however, older documents from XXXX show a conflicting account number of XXXX for the same debt. This is provided to assist in your investigation of the company 's documentation chaos. Debt Not Owed ( Federal Portion ) : I was covered by the 100 % Group Discharge due to XXXX 's fraud. I possess a letter from my servicer dated XX/XX/XXXX, confirming my federal loans now have a ZERO balance and have been discharged. WF is unlawfully collecting on this debt, violating my rights and the FDCPA. Predatory Private Loan : WF is also pursuing a related institutional loan that is void due to the school 's fraud and its predatory 18 % APR, as confirmed by the original Promissory Note.…

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