Williams & Fudge, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/14/2020	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 54956	Web
In Year of XXXX after receiving multiple notifications from XXXX XXXX University Finance department about missed payments on private loan, I contacted them and spoke with the representatived listed on the notices and advised that I had just gotten a job, have XXXX kids, and could not afford to make the payment amount they were requiring but could do an alternative lower payment arrangement. Never heard back from the school. On XX/XX/XXXX, received notice from XXXX XXXX a debt collection representative of William and Fudge Inc trying to collect on this private loan for XXXX did not respond. On XX/XX/XXXX received a secure e-document from William and Fudge and another on XX/XX/XXXX from XXXX of William and Fudge. Did not respond. On XX/XX/XXXX, received another email on this same loan from another representative XXXX XXXX to which I did not respond. However, I received a phone call at my place of employment around XX/XX/XXXX from XXXX 's from a financial aid representative from XXXX who once I answered and stated my name proceeded to tell me that my loan was due and that i needed to make payments and that they verified I was employed for XXXX XXXX and could make payments. My response to tell her to not contact me at my job, don't count my funds based on my alleged place of employment and tell me what I could do and asked why she was contacting me when they had already sent the account to collections because I had received the email and to send the paperwork etc, the representative then stated that " well will take you to court '' to which I told her " do what you need to do ''. infuriated that they had called me at my place of employment which they never had information on and meant they looked me up some kind of way and jeopardized my employment by contacting me at work about a personal debt, i called the representative, XXXX and spoke to him and relayed my being furious that they would do something so unprofessional and insinuate that they saw where I was employed and based on that made the assumption that I could afford to pay this debt. He stated he did not know anything about that but that the client had the right to verify employment, asked me if I was interested in paying the debt. I told him I have XXXX kids and I am a single parent and could not pay XXXX at once, futhermore I requested that he send me written documentation to verify the debt and I would review for accuracy and try to set up a payment plan. On XX/XX/XXXX, I received email from XXXX listing the information/link to information on the alleged original loan and asking if I will planned to make set up a payment plan. The email listed the balance as XXXX which was the same information presented by the first representative. On XX/XX/XXXX, i responded and stated the following : " Yes, I am interested. I can do XXXX per month starting on XX/XX/XXXX. Payments of XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. To be continued on this same bi-weekly basis based on the above dates. I get paid on a bi-weekly basis so i mistakenly was calculating what I could pay based on my pay schedule but my intention was to basically pay XXXX per pay period. On the same day, XX/XX/XXXX, XXXX sent me a follow-up email noting the confusion on the payment plan i emailed him and stated the following : More Information / Pay Online Account Information Creditor Account Number ( Last 4 ) Balance XXXX XXXX UNIVERSITY XXXX {$10000.00} Consumer Information Williams & Fudge Consumer ID # Williams & Fudge Pin # Amount Due for Account ( s ) Listed XXXX XXXX {$10000.00} XX/XX/XXXX RE : XXXX XXXX XXXX, Thank you for the reply. You mentioned in the email bi-weekly payments but I think you meant every 4 weeks, correct? The dates you specified are every 4 weeks, not bi-weekly. I will honor your request and set up {$100.00} to come out every 4 weeks starting XX/XX/XXXX. Payments are set up through your checking account by either your debit card account number and expiration date or ACH information ( routing and account number ). You can email the information to me or you can call me. I am at my desk until XXXX EST ( about 30 more minutes ). Regards, XXXX XXXX XXXX ( Direct ) XXXX ATTN : XXXX XXXX ( Fax ) On XX/XX/XXXX, I received the following email from XXXX : XXXX XXXX UNIVERSITY XXXX {$10000.00} Consumer Information Williams & Fudge Consumer ID # Williams & Fudge Pin # Amount Due for Account ( s ) Listed XXXX XXXX {$10000.00} XX/XX/XXXX RE : XXXX XXXX XXXX, The school sent my office an email pertaining to your balance and your new job. Please contact me so we can discuss this further. Regards, XXXX XXXX XXXX ( Direct ) XXXX ATTN : XXXX XXXX ( Fax ) I responded : m awaiting confirmation of the payment arrangement per our phone conversation. My debit card Information is as follows : " I have removed this portion due to it being my personal account information. I am authorizing only payments AFTER CONFIRMATION IN WRITTEN FORMAT OF the agreed payment arrangement. Shortly, after I sent this email, XXXX XXXX called me on the phone, which I found to be odd especially after the conversation ended. He basically said that XXXX contacted them and said that the XXXX dollars per month was not sufficient for the amount owed and based on my " new job '' I could pay more. This oral conversation is further corroborated by the above email from XXXX about the school contacting him about my balance. Please note all of this is AFTER he consented in writing to the payment arrangment I offered in writing and stated he would honor the payment arrangement. I mentioned this fact to him, and said that XXXX could not count my money and make assumptions about what " i can afford to pay '' based off of my place of employment and I stated especially considering that I work at a XXXX XXXX so salaries are not public so this was unfair and without any merit, furthermore I reminded him that I am a single mother with XXXX kids and daycare cost etc. I ended the conversation by stating that I would pay XXXX dollars bi-weekly based on my bi weekly payment schedule and authorized the payments to be automatically deducted on my paydays. On XX/XX/XXXX, I recieved the following email from XXXX : XXXX Creditor Account Number ( Last 4 ) Balance XXXX XXXX UNIVERSITY XXXX {$10000.00} Consumer Information Williams & Fudge Consumer ID # Williams & Fudge Pin # Amount Due for Account ( s ) Listed XXXX XXXX {$10000.00} XX/XX/XXXX RE : XXXX XXXX Hello XXXX, Has your debit card number changed? We are having problems processing your payments with the Visa card ending in XXXX. I look forward to your response. XXXX XXXX XXXX ( Direct ) XXXX ATTN : XXXX XXXX ( Fax ) This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org. I responded via email : XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 11 days ago ) to XXXX No my a Debit card has not changed. I hope this balance listed below reflects the payments you Have debited and I hope I am not being charged interest for an error on your part. Furthermore, there is no information on my bank statements that reflect declined payments. Also there would not be a decline considering the payment schedule for this account is set to debit and has debited from my account on MY PAYMENT DATES. Please also note that I have several recurring automatic draft payments from this same account and no problems. At this point I was livid and nervous because it was so confusing and upsetting and it was obvious that they had made an internal mistake and instead of not acknowledging the error, tried to make it seem as though I was at fault and had not honored my agreement, and were now just scurrying to cover their own backs. This was further substantiated when I did not receive a response from XXXX XXXX, however, on XX/XX/XXXX, Williams and Fudge debited my account, the same one referenced above for the XXXX but never sent proof of payment nor did they acknowledge their mistake etc. So I became very nervous and scared about doing business with them because this is so unprofessional and unethical and could have bad consequences for me. On XX/XX/XXXX, I received two emails email from XXXX which upset me and confused me because they listed the same account but two significantly different amounts and more owed and worded in away as though this was a brand new attempt to collect on a brand new and completely different debt. I responded via email : Please verify this debt information with the original documents. I only had one institutional loan through XXXX XXXX University, so what is this? XXXX responded via email : with a link to download, what was the original loan documents that were no different from the documents provided in XXXX of XXXX. He did not state anything or try to explain to me what was going on. So I was upset and super nervous about this because I have already given them access to my account information and I have already consented to payment of this debt but this seems aggregious. So i called his direct number ( XXXX ) and it another representative stated that they took the call because XXXX XXXX was out to lunch. I proceeded to tell the person my concerns and confusion and stated I was upset about the deceit that my account was insufficient funds to pay the payment when there is nothing to support that and then they turn around and take a payment from the same account. I stated that it seemed that they were trying to be decietful and play me like I lacked basic common sense when it was obvious they were trying to create a fiscade to make it look like payments were rejected when in actuality they just make an internal mistake and didnt submit for payments. The representative proceeded to say he showed my card had been declined and I said please send me that information via email to which he then changed his statement and said he did see anything saying and that there would not be any proof becuase I listed my debit card and not my actual account number. I became upset and said that I would call my bank and verify that they were lying. The representative then proceeded to say '' well why dont you just take out a personal loan and pay it and get it over with ''. i told him he was out of line and cant tell me to take out a loan when i set up a payment plan and that he was being rude. He then completely just deflected from my question on how it is that I am responsible for William and Fudges mistake in not debiting my account for an Automatic payment deduction I approved. He then ended the call. Later that night at around XXXX, I called my bank and a representative confirmed that there was no proof that Williams and Fudge had submitted payments that were declined. She also confirmed the payments that had come out from XXXX and XXXX that totaled XXXX dollars plus the recent payment deduction from them on XX/XX/XXXX for XXXX that had cleared my account. So my bank representative then gave me the number for William and Fudge and advised to call them on the phone on three way to share that information and have them confirm any payments they showed declined. We spoke with one male representative who could not answer the questions or explain how it was that occured, so he put a manager on. The manager finally acknowledged she could see there was an error on their end and not mine. I requested that my account be reviewed completely from scratch, that the amounts of the alledged debt be reverified and proof provided via in writing, and that whatever, interest they were saying was now included that the client had submitted and had a right to include be outlined and broken down and proven where they could claim I owe one debt and then change the debt amount after i have already agreed to one amount. The manager assured me should would relay my request and review. I also requested that the calls be reviewed especially the call from earlier that day and that the representative not be coached but receive a more severe disciplinary action based on his rude and unprofessional comments. The next morning, XX/XX/XXXX, I received a email from XXXX listed the : XXXX XXXX UNIVERSITY XXXX {$7200.00} XXXX XXXX UNIVERSITY XXXX {$4700.00} Consumer Information Williams & Fudge Consumer ID # Williams & Fudge Pin # Amount Due for Account ( s ) Listed XXXX XXXX {$11000.00} XX/XX/XXXX RE : XXXX XXXX Good morning XXXX, When you have a moment, can you call me directly so I can explain what had happened last year on your account? Thanks in advance, XXXX XXXX Now this just infuriated me more because it could be inferred yet again that this was an attempt to not acknowledge anything in writing after I specifically requested this, and to be manipulative, which further supports my concerns about the ethics of this company and my ability to receive a fair and accurate statement that can be trusted and to not be swindled. My response : XXXX XXXX XX/XX/XXXX, XXXX XXXX ( 1 day ago ) to XXXX Please send all information in written format to my email and outline why this balance is completely different and doesnt reflect the payments made. Also please provide WRITTEN information explaining the right to change this balance. Also a written break down explaining whatever interest that has been added. I also am still awaiting information on the error on your end with regards to my automated payments and results of the review of the phone call from the first representative I spoke to yesterday first. Also information showing payments already made. He responded today : More Information / Pay Online Account Information Current Creditor Account Number ( Last 4 ) Balance XXXX XXXX UNIVERSITY XXXX {$7200.00} XXXX XXXX UNIVERSITY XXXX {$4700.00} Consumer Information Williams & Fudge Consumer ID # Williams & Fudge Pin # Amount Due for Account ( s ) Listed XXXX XXXX {$11000.00} XX/XX/XXXX RE : XXXX XXXX XXXX XXXX, I am working with the school to get all the information needed to explain everything you have asked for. Thank you for your patience. Regards, XXXX XXXX XXXX ( Direct ) XXXX ATTN : XXXX XXXX ( Fax ) This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. This collection agency is licensed by the Division of Banking in the XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. This should not be the experience I have had especially when i have shown my valient effort to resolve this matter. More importantly, the original loan amounts were for XXXX and XXXX respectively at a 6 % fixed interest rate for the term of the loan. The loan outlines that repayment started for both XX/XX/XXXX, XXXX XX/XX/XXXX, with monthly payments of the XXXX at 83 dollars roughly and the XXXX at 50 dollars roughly if paid according to terms and 0 % interest would be charged. Furthermore, the loan stated that a if i did not pay accordingly, the amount of the monthly payments would include interest ( 6 % ) and roughly total XXXX for the XXXX and XXXX dollars for the XXXX. Now all of a sudden the total owed is almost 12k and the amount listed on all communications until as late as XX/XX/XXXX were XXXX and on XX/XX/XXXX the balance document showed a balance of XXXX. This is very concerning because i have verified a debt that was already at XXXX and my loans totaled XXXX k and not they have increased that amount even more. Not too mention the loan period was for XXXX payments for both the XXXX and XXXX to start on XX/XX/XXXX and XXXX XX/XX/XXXX, so i have missed XXXX payments before the XXXX payment and those payments were for XXXX per month which was roughly 50 dollars more than if I just started and picked up the payments so that was money to go towards the missed payments. Williams and Fudge representatives have been deceitful and conniving by not honoring the written agreement for payment arrangement after confirming what i meant and being manipulative and calling me to try to increase and change a written agreement all be XXXX made an assumption on What they think I should pay because they saw where i am employed but do not know what I make at my job. Williams and Fudge was manipulative because instead of acknowledging that they had already agreed to my payment arrangement and admitting fault to XXXX if they were not satisfied with the amount it was William and Fudges fault because they should have verified what amount was acceptable before confirming my payments. Additionally, it has been placed with a collection agency so i dont see how the original debt collector is driving the terms of the payments or how they can just change amounts owed once they have confirmed and sent original documents.Nor does the significant increase make sense when the interest rate is fixed at 6 % nor has anyone been forthcoming about explaining this. The collection agency is changing amounts of debt and sending notices but yet they clearly dont even have an accurate accounting of this. The loan is not even due until XX/XX/XXXX so i dont even see how it could be a total amount owed of almost 12k even with missed payments.
11/07/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 631XX	Web
School took additional actions to damage my credit and stop me from returning to campus .... Was in retaliation to other investigations presently going on. Providing Additional Details from Case - XXXX Information from Missouri Attorney General Website before rechecking XXXX XXXX and finding additional error in reporting, plus additional funds being misrepresented and attempted to be collected on : " Consumer Complaint The Attorney General works to protect consumers and ensure a fair marketplace by enforcing Missouris Merchandising Practices Act, as well as other laws. By filing complaints, consumers let the Attorney Generals Office know about unscrupulous businesses and individuals. We rely on consumers to act as our partners in rooting out fraud and helping us bring criminals and scammers to justice. In addition to filing criminal charges and civil lawsuits, the Attorney Generals Office also mediates complaints between businesses and consumers. Each year, this mediation process results in millions of dollars in restitution for consumers through an exchange of services, fulfillment of promises, and many other ways that resolve many disputes. Because the Attorney Generals Office brings enforcement actions on behalf of the state, not individual consumers, it is prohibited by law from providing legal advice to you. If you want to preserve any private legal rights you might have, you may wish to contact a private attorney. Information About Your Complaint Your Contact Information Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Primary Phone : ( XXXX ) XXXX Secondary Phone : ( XXXX ) XXXX Email Address : XXXX Flood Victim : No Over XXXX : No XXXX : Yes Veteran : No Your Complaint Information Business Name : University of Missouri - XXXX XXXX Sales Method : Bait And Switch Complaint Category : Financial Payment Method : Loan Amount Paid : XXXX Date : XXXX/XXXX/XXXX XXXX XXXX Description : According to XXXX XXXX, I received an update in my inbox for the following, " XXXX/XXXX/XXXX XXXX XXXX ''. Upon reviewing the materials, previous complaints were sent regarding this same matter and retaliation being done by the school for an active investigation into their business practices regarding a Title IX complaint. When reviewin the information online, an option for a {$40.00} a month payment is indicated, however when speaking directly with the Cashier 's office for repayment, I was advised I could enter an agreement with them previously for around {$200.00} a month and/or payment in full, there never was offered an option to pay {$40.00} a month and the last time I spoke with the Cashier 's office was to advise them to speak to their higher up officials in their hierarchy before speaking with me in regard to these matters, due to the nature and Privacy issues concerns ( primarily with peoples sexual conduct on campus and files regarding such matters, but also with their private health records, consoling sessions and information regarding as federally classified according to HIPPA ). I did reach out to XXXX XXXX much later ( not in relation to this issue at all about payment as I was not aware of this update until checking my email today ) in regards to finding out what I would need to do to be able to re-enroll in classes on the campus and if we could setup a meeting, this phone call has not been responded to by the institution.The only means I understand the school to be acting presently is to show disregard for the HIPPA law, the active investigation, their internal procedures regarding the community as a whole on their school grounds, individuals safety including their private health information and they have provided at least at some point decent services, but a poor standard for aiding an individual that was being attacked by students and staff for reasons beyond their control. I myself was not the only student attacked in this way in the dormitories or on their campus and this additional insult of harming my personal financial means to payback any monies to them by damaging my financial status and financial reputation is additional retaliation on what they already advised was not available. In summary, I was advised I could n't pay {$40.00} a month and then on XXXX XXXX it is showing that they provided me that option and they did not. Business Information Business Name : University of Missouri - XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : Fax : NA Email : NA Website : NA Contact Name : Cashier 's Office ( previously ) & XXXX XXXX ( most recently ) Contact Title : Assitant Dean of Students Complaint Resolution Action Taken : Filed a complaint with another agency Other - Filed complaint with Missouri Attorney General and advised there was not any wrongdoing and/or it was not something they could assist me with, Additional Information : I 've already reached out to the company to handle payment isses and due to their stance, as well as the present nature of the active investigations that were going on, the matter has reached this point. Agencies contacted : Preferred Resolution : Refund Deliver Product Perform Service Repair Replace/Trade Investigate Businss Other - Review documents from Family Counseling regarding XXXX update, update XXXX office, provide rework of payment arrangement and clearing of error on credit report and months negatively impacted due to error on providing reduced monthly payment, proceed with reviewing Self Defense aid on campus for XXXX, provide updates to Cashiers office and Counseling office regarding appeal of negative information due to retaliation from staff and some students. Provide refund for time spent in dormitory for myself and other individuals effected by retaliation and services not rendered. If I was paying to stay in a dormitory where people could openly harass me and potentially cause harm because they felt it was okay to keep someone from sleeping, studying or defending their person when they are cornered and being mocked and gaslight targeted for things beyond their control, then such place is not habitable and refunds should commence for each student who was targeted by the Financial Aid office and also students doing the cornering and/or targeting according to the Office Of Civil Rights reports. Further mold conditions in dorms must immediately be replaced as they cause issues with studying and people being able to breathe properly, previous issue reported by XXXX XXXX and she was regularly ambushed by individuals already reported in the Title IX complaint I understand that the Attorney General is not my private attorney, but enforces state consumer protection laws. A copy of the complaint will be provided to the merchant against whom this complaint is filed. By submitting this form I agree to testify in court to the facts stated in this complaint, if necessary. Please note that in accordance with Missouri law, consumer complaints are public records, subject to disclosure upon request. Your complaint, including your name, address, and related documents may be obtained pursuant to a public records law request. " Williams and Fudge account, plus original XXXX amount in report being reported negative since XXXX XXXX need to be looked into. Missouri Attorney General previously stated this was not an error and/or they could n't work on the matter as it was not something they could deal with. Original Creditor is attempting to collect two separate payment amounts on two misrepresented amounts. The time I was away from school since XXXX XXXX I was not a student nor staying on the campus and additional account increments were misrepresented, further information noted in above reference to {$40.00} pay scale never took place, the option was never provided by the Cashiers office.
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64030	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX for the amount {$1200.00}, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, # XXXX and # XXXX in the amount of {$970.00}, {$710.00} and {$820.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX # XXXX and # XXXX and # XXXX, in the amount of {$1800.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, in the amount of {$710.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$920.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$820.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX and # XXXX, in the amount of {$1800.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and XXXX, in the amount of {$2600.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$700.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$310.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$6200.00} and {$160.00} and has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX, in the amount of {$820.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX in the amount of {$460.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, in the amount of {$1100.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # XXXX, in the amount of {$16000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$4100.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # XXXX, in the amount of {$910.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX in the amount of {$160.00} and {$6200.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$1000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
05/18/2021	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	WI 53045	Web
XX/XX/XXXX : Received Order to Appear Before Court Commissioner from XXXX XXXX XXXX regarding judgement balance on Wisconsin Case Number XXXX on XX/XX/XXXX. XX/XX/XXXX : Contacted XXXX requesting detailed accounting of balance owed, charges, and monies paid to date as the balance owed on the notice of {$7900.00} was not correct. I was looking to resolve and pay the balance off before or at the time of the appearance before the Commissioner. XX/XX/XXXX : XXXX advised this information needed to come from Williams and Fudge. XX/XX/XXXX : Received ledger from Williams and Fudge which provided limited detail and did not reflect Wisconsin Tax refund withholdings from XXXX, XXXX, XXXX, XXXX, or XXXX taxes. XX/XX/XXXX : Contacted XXXX regarding above missing payments with Williams and Fudge on copy and provided one WI Tax Withholding letter from XXXX and again requested a detailed ledger. XX/XX/XXXX : XXXX advised they were also in contact with Williams and Fudge to obtain a breakdown of the account. XX/XX/XXXX : Followed up to the request for a detailed accounting ledger and reconciliation of tax withholdings. XX/XX/XXXX : Received same ledger with limited detail and a slightly reduced balance. The balance reduction did not reflect the missing tax withholding payments and again requested detailed accounting ledger. XX/XX/XXXX : Received another updated balance and email including bullets of tax withholdings applied to the balance. I advised in reply that the XXXX tax withholding of {$770.00} was still missing and, based on the ledger received with limited detail, advised that there were duplicate fee charges based on court records. Extremely concerned after finding $ XXXX in payment discrepancies as well as the duplicate charges, reiterated I was attempting to pay the balance in full but discrepancies needed to be addressed and account reconciled. XX/XX/XXXX : At appearance before the Commissioner, I was advised Commissioner would only be involved if we could not reach a settlement and he left the room. In the call with XXXX XXXX XXXX, I advised of the above events and my attempt to pay the balance in full but the discrepancies and accounting needed to be addressed. XXXX XXXX XXXX only seemed interested in my new employer or if I had filed XXXX taxes yet, presumably so they can file for further garnishment and not resolve the issue at hand with me. XXXX XXXX XXXX advised they saw the balance was updated XXXX reduced XXXX to which I pushed back that it was not updated correctly, was still missing payments, reflected duplicated charges, and that we needed to reconcile the balance owed so that I could pay off the balance. I expressed again I want to pay this in full and avoid garnishment as it is not necessary and I want an end to this judgment. We ended with XXXX XXXX XXXX to follow up with Williams and Fudge on the additional missing payments and they wanted me to submit pay stubs for my current job which is not relevant to the issue of resolving the discrepancies on the account. XX/XX/XXXX : Followed up with Williams and Fudge due to no response from XX/XX/XXXX correspondence, included the proof of the XXXX tax withholding, reiterated discrepancies, and reiterated I was looking to settle the account. XX/XX/XXXX : Williams and Fudge advised the XXXX tax withholding was not received by XXXX and to please provide the WI DOR letter, which I already provided on XX/XX/XXXX, and received general statement that interest continues to accrue on the balance and is why the reduced balance did not equal the applied tax withholdings. XX/XX/XXXX : Requested again detailed accounting ledger from Williams and Fudge to include fees being charged and interest being charged as this is what I have been repeatedly requesting and repeatedly questioning as the limited details received to date did not reflect the balance I showed was owed. XX/XX/XXXX : Williams and Fudge advised they contacted XXXX XXXX XXXX for a breakdown and history on the account. XX/XX/XXXX : Received detailed accounting ledger from Williams and Fudge, advised I was out of town on a business trip and would review upon return. XX/XX/XXXX : Submitted a revised copy of the ledger to Williams and Fudge reflecting discrepancies which included but was not limited to duplicate charges for fees as compared against court records, missing XXXX tax withholding XXXX which at this point I provided proof of twice ), and also asked for my question on the interest charges to be addressed as there was no pattern to the fluctuation in charges I was incurring according to their records and the interest being charged to me was increasing as the balance owed was decreasing. Also offered to schedule time to review with Williams and Fudge if they had questions on the documentation I submitted. XX/XX/XXXX : Followed up with Williams and Fudge on the above due to no response. XX/XX/XXXX : Williams and Fudge advised the tax offset which I already submitted proof of XXXX {$770.00} to XXXX on XX/XX/XXXX ) was not received and now referred me to XXXX XXXXXXXX XXXX general number. XX/XX/XXXX : Requested a direct/specific contact for XXXX XXXX XXXX XX/XX/XXXX : Submitted all documentation and recap of issues in writing via USPS to XXXX XXXX XXXX with copy to Williams and Fudge and Court Commissioner detailing line by line what was missing from accounting ledger, what entries were wrong and why, and the balance I show to be owed based on these corrections but again questioning the interest being charged due to inconsistencies of charges and the increase in interest charges while balance was decreasing. Provided email address in addition to street address, which they already have, and reiterated payment would be made in full once the balance was adjusted accordingly. XX/XX/XXXX : Received direct contact for XXXX XXXX XXXX and advised I had already submitted all of the details in writing the day before. I also advised I was happy to get on the phone with anyone however the accounting details I provided needed to be reviewed first so that they can be addressed. XX/XX/XXXX : To date, I have not received a response or acknowledgment of any type from XXXX XXXX XXXX or Williams and Fudge from my detailed written correspondence sent via USPS on XX/XX/XXXX. I have, however, found XXXX XXXX XXXX to be searching my professional file on XXXX.
02/12/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	GA 31021	Web	Servicemember
I start getting several calls at all times of the day and emails from mr XXXX with williams and fudge about a student loan that needed to be payed. In the beginning I was very confused because I am a XXXX XXXX already making payments to XXXX. Then this company in which i know nothing about comes out of nowhere saying that a loan didnt make it to XXXX and is requesting me to fill out paperwork that I already filled out. I only deal with XXXX no third parties. I gave XXXX a call on monday XX/XX/XXXX about this situation. XXXX told me not to fill out paperwork from this third party company williams and fudge and if i filled out paperwork that they are requesting it will in fact mess up the plan i have in place with XXXX. If you read the response from the third party company williams and fudge you will see a statement saying it will not mess up the plan i have in place it will in fact it will remove this loan. XXXX told me do not give this company williams and fudge any of my information and do not fill out anything with this company williams and fudge and it is completely unethical to deal with a third party company when all my XXXX are already being payed with XXXX XXXX and as a XXXX XXXX on an income driven and public service transit payment plan being that i am a XXXX XXXX. I dont feel comfortable giving this third party company williams and fudge my paystub and all my loan information when fedloan is telling me not to. This company williams and fudge is making threats to report to my credit when i don't owe them anything. i owe XXXX in which i am paying. This company is saying I have to fill out this package or else they will report this to my credit or i need to pay them the full amount in which they are requesting of {$4700.00} When there shouldn't even be an or else. This company is coming at me hard about something that if they feel i owe and its federal they should be able to reach out to fedloan themselves. XXXX told me not sign any documents with this third party and that these third party companies make promises all the time to people saying that it will not harm them and it does. XXXX said it will infact through everything off. I believe the federal company in which i have been paying for the past five years. There is no way i can pay a third party for a federal loan when i am paying XXXX for a federal loan. If this company has a problem with a federal loan that they claim I owe and i have informed them of my status with XXXX I should not have to fill out a thick packet with all my personal information giving them permission to speak on my behalf and request all my financial information. They should be able to contact XXXX themselves since its all suppose to be federal. Im just saying. Re : Signature requested on " your Consolidation Packet ( XXXX ) '' From : XXXX XXXX ( XXXX ) To : XXXX ; XXXX Date : Thursday, XX/XX/XXXX, XXXX XXXX EST I thought all i had to do was sign 1 document. I already have idr and public transit plan with federal gov. These documents are asking to much info and they have already been filed and filled out with XXXX. I dont remember what it says and i dont want to mark the wrong boxes and throw my entire plan thats already in place since XXXX off bc your sending me the same info plus more info to fill out again. With XXXX i can mess up my entire program by filling this paperwork out wrong when its already been filled out with them. Just send XXXX the documents you have. Its all government. Should be no problem. Sent from XXXX Mail on XXXX On Thu, XX/XX/XXXX at XXXX XXXX, Williams & Fudge Forms wrote : Williams & Fudge Forms requests your signature on your Consolidation Packet Due on XX/XX/XXXX Review and sign After you sign your Consolidation Packet, all parties will receive a final PDF copy by email. XX/XX/XXXX XXXX Mail - Re : Signature requested on " your Consolidation Packet " From : XXXX To : XXXX Date : Friday, XX/XX/XXXX, XXXX XXXX ESTCurrent Creditor Account Number ( Last 4 ) Balance UNIVERSITY XXXX XXXX XXXX XXXX {$4700.00} Consumer Information Williams & Fudge Consumer ID XXXX Williams & Fudge Pin # Amount Due for Account ( s ) Listed {$4700.00} XX/XX/XXXX RE : XXXX XXXX First of all, nothing will change with your current plan. That will all remain the same. The Perkins loan is in default, and not grouped with your Stafford loans at XXXX. It is a separate Federal loan. In order to get the loan out of default, you have two options. Option1, fill out the information I sent you and return it. Option 2, pay your balance in full out of pocket. Unfortunately, the IDR portion has to be filled out again as part of the consolidation. All that will happen with that is the Perkins loan will be moved ( paid off ) from The University of XXXX XXXX over to XXXX. At that point, all of your loans will be in one place. If you do not wish to sign and return the documents, I will need to know how you plan to pay the balance. Let me know which route you want to go. XXXX XXXX XXXX ( Direct ) XXXX ATTN : XXXX XXXX ( Fax ) This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Williams & Fudge , Inc . XXXX - XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, SC XXXX StreetAddress : XXXX XXXX XXXX XXXX XXXX, SC XXXX unsubscribe Email XXXX XXXX XXXX to unsubscribe
09/08/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	CA 91748	Web	Servicemember
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SS # : XXXX WILLIAMS AND FUDGE INC XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX To Whom It May Concern, There is no possibility that this is my debt. My name is XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have attached my Drivers License for address verification. It can not be possible that your debt is attached to my identity at this address. Please delete this collection account immediately. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 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, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts be verified or removed immediately : Account Name William and Fudge Account # # # # # # XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Thanks for your help in this matter, XXXX XXXX XXXX Attached : Drivers License Copy 1 page
10/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19148	Web
XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania Zip Code Exempt, ( XXXX XXXX XXXX ( XXXX ) ) Non Domestic, Real Land North America ( FIRST JUDICIAL NOTICE OF DISPUTE OF DEBT and REQUEST FOR DEBT VALIDATION ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX Account Number : XXXX XXXX COLLEGE JUDICIAL NOTICE IS HEREBY GIVEN : Your office has listed a debt on my credit reports you claim I owe. Which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. I, XXXX XXXX have never been to Ohio, nor have I ever attended this college. I have no knowledge of this account nor did I authorize anyone to use my pertinent information. This account is fraudulent, and I demand it be removed from my account immediately. The purpose of this letter is to dispute this debt, which I know I dont owe, and to demand that you validate it by providing the documentation and information requested below. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : 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 collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) Accordingly, please provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification and or copy of any judgment ( if applicable ) ; 4. copy of and or proof that you are licensed to collect debts in PENNSYLVANIA and or NEW JERSEY ; 5. proof of the last payment made on the account. 6. Itemized statement of charges. 7. Original contract between creditor and XXXX XXXX of the family XXXX correct wet ink signature. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt. Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
08/03/2021	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	PA 184XX	Web
As I pulled my annual credit report last night ( XX/XX/XXXX ) I saw an unrecognizable account standing in my derogatory account for an amount of {$1400.00}. I noticed the company associated was my old university ( University of XXXX ) I stopped attending. I was in default on my student loans and was contacted a little less than two years ago about owing about {$15000.00} in student loans. I signed up for a rehabilitation program and my students have been in good standing since I successfully completed that program so I knew something was wrong. I called the collection department of University of XXXX asking about this outstanding debt that is now on my credit and they mention it being a XXXX XXXX that just hit my credit as of XX/XX/XXXX. I was in shocked and asked them what information was on file and I was so upset to find out most of their personal information on me was completely incorrect! My address that I haven't lived at for over 6-7 years, phone numbers that I have never had access too, and a school email I no longer had access too once I left enrollment. I asked why in XXXX I am now being notified about this loan she responded with saying she spoke to my father to relay the message about this debt from who knows how long ago which she can not prove was my father she spoke to in the first place. Anyone can answer a phone and say they are who they say they are. This is entirely inappropriate to call anyone even a parent that no longer has guardianship over me as an adult to discuss any debt I may or may not have let alone contacted them without my permission. With all that being said, I give her my right and current information today ( XX/XX/XXXX ) so I can review this debt that is on my credit. Then she proceeds to say I have a tuition balance with the university for {$11000.00} and that also will hit my credit within the next month! I now called a collection agency with inaccurate information on me saying I have over {$12000.00} in debt despite my other students loans from the same university has my correct information and is in good standing. I have been working extremely hard on my credit and handle all my debts responsibly to be told I owe more without. one single documentation sent to my current address I've lived at for over 4-5 years. I asked the financial office representative who now owns that debt as far as collection agency and they said Williams and Fudge. I then get off the phone to call William and Fudge and when I ask her to verify the information she has on file she has completely different information from University of XXXX but even more inaccurate infomation such as phones I have never been associated with, an addressed I haven't live at since I was junior or senior in high school! That is almost 9 years ago! Not one thing was remotely current other than hitting my credit apparently in the next month. I am so disappointed in the education system who handles financing to give their customers hope and transparency with their loans good or bad so consumers can pay debts properly and better their life and credit. I am looking to buy a house soon with working on my credit and now I am told I am going in to collections with not one proper notification of potential students or tuitions. University of XXXX used to harass me every single day for years about my student loans to the point I was frustrated answering my phone knowing they are not allowed to call between XXXX legally! Even then with them harassing me the number of how much I owe has been around $ XXXX to pay off ANY debt from loan/school. Therefore, 2 years ago getting my affairs in order I made it my business to job a rehabilitation program and speak to whoever daily to get everything involving University of XXXX updated and in good standing. I am upset to be handled so poorly by your intuitions. A huge 1 out 10 for letting someone pay off debt from the same establishment yet inaccurate information of different loans. Credit is not something I take lightly and I will be contacting more people about my horrible experience!
03/17/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	MS 38801	Web
I graduated from the University XXXX XXXX, XXXX in XX/XX/XXXX. At that time I didn't understand the difference between institutional and federally-backed loans, and then I ran into some financial hardships after suffering from a health condition that wasn't covered by insurance. I lived abroad and attempted to get in the Income Driven Repayment plan and was able to be on it for approximately a year, but after having lived out of the country, I was told to provide documents that only apply only to people who live in the United States. I constantly explained that these things don't exist and asked what provisions the U.S. Dept of Education has for borrowers who live in a foreign country, no one was able to help me but I provided the paperwork I could. It wasn't enough and that's where my problems began. I also continued to be in correspondence with XXXX XXXX about an institutional loan. At the time I was dealing with a health condition that prevented me from XXXX XXXX XXXX for 6 weeks and had no third party that could assist me. I had to take decisions while being unable to XXXX properly and my loans went into default as I was dealing with this while under the stress of being unable to XXXX for medical reasons, and living in a foreign country. Because I had three types of student loans, I needed to fill out different types of paperwork on a consistent basis all while making less than $ 15K per year in some cases. In XX/XX/XXXX I was offered the opportunity to rehabilitate two student loans that had been in default for some time with Williams and Fudge, a debt collection agency. From here on, I will refer to them as FEDERAL LOAN ( totaling approximately {$40000.00} ) and INSTITUTIONAL LOAN ( totaling approximately {$2600.00} ). In XX/XX/XXXX, my federal loan was switched to a servicer called XXXX XXXX and have been making {$5.00} payments per my IDR terms. However, my institutional loan was more expensive since it was much older. In XX/XX/XXXX I made a plan with Williams and Fudge to repay my institutional loan, which was 10 years old. I gave them a down payment of {$300.00} and agreed to pay the sum of {$200.00}. This was before the coronavirus began affecting the economy, and I assumed that things would stay normal and I would finally be able to pay my 10-year-old institutional loan by XXXX or XX/XX/XXXX. Unfortunately, my business has been affected and I can only assume others are also dealing with economic fallout and will have difficulty as the pandemic passes. I called the company and asked if they have a plan to help borrowers who may be affected by the coronavirus in some way and spoke to a rep called XXXX XXXX. I explained that I can maintain my current payment for XXXX, but I have already seen business decrease due to the virus and am worried about the possibility of being unable to make further payments as the pandemic increases. Mr. XXXX appeared not to understand the gravity of the coronavirus and I ended the call suggesting that he please talk to the company and ask them to come up with a plan for redress in case anyone should be affected through layoffs, firing, or even sickness due to the coronavirus that causes them to stay home with unpaid leave. He said that I have no business telling the company what to do. I'm filing this complaint because the CFPB should ask all student loan debt collectors, companies, and universities to address this situation and ask them to have a plan in place. I was told I would be able to suspend payment as long as it hasn't been processed, and said that if things go may I may have to decrease the amounts I'm paying, but frankly, everyone company that services debt that could take money away from essentials such as food, water, and even medication, should have a consumer-friendly plan for this pandemic given the extreme circumstances it will create. Mr. XXXX implied that Williams and Fudge haven't even discussed what they will do to help us.
08/13/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	WI 53704	Web
My federal perkins loan has been placed into default by XXXX University. My last payment was XXXX XXXX, 2016 and it is XXXX XXXX today. I am not sure how my loan would go into default that quickly when my federal private loans are further past due. No Information When I started receiving information from this debt collector ( Williams and Fudge ) I ignored it because I did not know who they were. It sounded like a scam. They would only state that they needed to talk with me about a serious matter. Return Call They called my work phone. I immediately told them that they could not contact me there. I am not allowed to make personal calls at work. I returned the call the same day and asked why they were contacting me. They told me that I owed an almost {$4000.00} dollar loan, but would not give me any information about the debt. They just kept saying that I would have to contact the servicer, but I did n't know who the servicer was. After a series of questions I found out that they were talking about XXXX University and my perkins loan. They told me that I needed to contact them. XXXX ( Phone Call XXXX XXXX, 2016 ) I contacted someone at XXXX and they told me that my loan was in default. I said that could n't be true, because I had not received any information from the servicer ( XXXX ). She stated that they never received my deferment paper work. I then told her that I had been making payments and that my last payment was in XXXX. She said that it was n't enough. I told her that I still do n't see how this time frame would send my loan to collections since my last payment was in XXXX. No I did not make a payment in XXXX or XXXX, but they had already sent my debt to a debt collector in XXXX. At the end of our phone call they emailed me deferment paperwork. The paperwork she emailed me does not apply because I am not in school. I left a voicemail on her phone on XXXX XXXX, 2016 and hope to hear from her next week. I 've generally had a good experience with XXXX and there financial aid department but working with Williams and Fudge was a mistake. XXXX ( XXXX XXXX, 2016 ) I contacted XXXX and they stated that they could not tell me anything about the loan and that I would have to call Williams and Fudge. Williams and Fudge as stated above wo n't tell me anything. I found this strange. They said XXXX moved the loan from them to the debt collector. After a serious of questions I was able to find out that XXXX was the " loaner ''. So I finally understood that XXXX was the entity that I needed to contact. Williams and Fudge Williams and Fudge called my stepfather who is not a cosigner for the loan on his personal phone. XXXX XXXX was the name of the person that called. She refused to tell him what the call was about so he assumed that I was in danger or hurt. My mother called her back and once again she refused to tell them what the call was concerning. My mother was then angry because the nature of the call made them think that I was hurt or in danger. They were upset that XXXX was contacting them and asking them to call her back, but refusing to say what the call was about. I believe that Williams and Fudge is violating the FDCPA by doing the following : 1. Making Harassing Phone Calls : They called me on my work office phone number ( I am not allowed to make personal phone calls on my work phone ), Calls during dinner hours, Calls during work hours, Calls repeatedly throughout the day 2. Falsely representing the amount I owe. Williams and Fudge stated that my loan amount had risen significantly due to fees, but they would not tell me what these fees were nor the original amount of the loan. I do n't know what fees they are referring to? They also told me that the entire loan was due in full, but how I am supposed to trust an entity who wo n't even tell me all the information I need about the debt.
10/11/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 33461	Web	Older American
In XXXX I was contacted by a representative from XXXX University about returning to school. This was in response to the fact that I was posting my resume on job search sites. I have a varied education ; First year in college, I was XXXX, XXXX year different University, XXXX, then 2 years at different university studying XXXX. A few years later I completed 2 years at XXXX XXXX XXXX, 2 years in XXXX training, and accrued many licenses and certificates. The XXXX University rep tells me they can take all this and my 35 years of XXXX experience into a XXXX or XXXX XXXX. That would look good on a resume.I am XXXX XXXX XXXX at this time, and do not want to spend years in school at this point, but credit for all this plus life experience? He has me apply for admission. This was a common practice when I graduated XXXX XXXX, I applied to several schools and saw who accepted me and chose from those that did. So I applied and was accepted! Pleasant surprise. He said they would have to check on how many credits I would get. I was less inclined to get involved in any education other than employer on the job type, but this guy is calling me daily. XXXX day, again I am telling him know, he says " Let me walk you into a classroom and you can see how it is '' I never do chat rooms or that sort, but he has me log into this conversation. It is about people saying what they want to get from college and what their goals are. He has me wish XXXX or XXXX people good luck and then we left the " Classroom ''. The following week the pressure continues I was losing patience and telling the guy to stop calling which he eventually did after a few more attempts. Meanwhile, I had researched XXXX University on the Internet and found many disparaging comments and negative experiences. This was definitely not for me. I considered the case closed. Fast forward to XXXX. I get some calls offering to renegotiate my student debt. I tell them I do n't have any. I also get calls for credit card debt, life insurance and other stuff on my cell phone. XXXX of my calls are from some company or another going to solve my financial difficulties. I have very good credit. Then I begin getting calls from Williams and Fudge, XXXX XXXX, SC that I owe a debt. I ask what for, they reply XXXX University! What? I told them I do not owe XXXX University, never got a loan, books, credits or started school. After they call me a few more times, I request documentation. They sent me a statement for {$4400.00} in tuition, {$140.00} in books. The {$140.00} was later taken off. In XXXX, XXXX they adjusted tuition to {$1100.00}, and in XXXX XXXX they wrote it off as a bad debt. I am unaware of any of this activity, never received a bill or approved this. I suppose XXXX sold their bad debts to this collection agency which is trying to collect whatever they can. This however is not a bad debt, it is an unjustified debt resulting from aggressive salespeople ( whatever happened to guidance counselors? ) who enroll students in classes and incur charges that the student did not authorize, for services that were not received. My concern is that the collection agency, Williams & Fudge, will damage my credit, report this as an unpaid debt, as they continue to call me. I see that in the meantime, XXXX University and their parent company have basically been shut down for fraud. I feel this is part of that fraud and nuisance efforts to collect this debt shall cease and desist, and no derogatory comments be posted to any of my credit reports. I suppose there are many accounts that XXXX turned over to Williams and Fudge. XXXX never provided any documents, and I never signed anything. In the documentation, it states electronic signature and classes selected, choices made that were news to me. No transcripts were ever requested. Thank-You
01/15/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA 245XX	Web
To the Consumer Financial Protection Bureau ; Thank you for your time and assitance today. I am writing in regards to a XXXX XXXX, with the University XXXX. Which is now being collected by Williams and Fudge. The University, Office of the Bursar, and Williams & Fudge is now facilitating the holding & blocking of my transcripts due to an unpaid loan - therefore not allowing me to move forward. It is unethical, immoral, and not right for a number of reasons. They also will not negotiate on the amount owed, temporary release of the transcripts, solutions - or any combination of the above. Only on payments, which will not reduce the loan significantly. For starters, the Loan was taken out in 1996. The Loan is over 20 years old. However most importantly, there are extensive issues and circumstances related to and surrounding recent non payment. I currently have a US Dept of Education XXXX Discharge for Federal Loans. And while the XXXX does not qualify for forgiveness under this program - I have experienced an extensive long term XXXX ( XXXX ), from ages XXXX to current. The Office of the Bursar and University XXXX, as well as the Collection Office Williams and Fudge, will not work with me, cooperate, or consider any alternatives or solutions. Again, my Official Academic Transcripts are being held hostage and I am now XXXX years old. I have experienced tremendous financial hardship, and has been documented with Social Services, the Dept. of Education, and the Social Security Administration ; XXXX Services. Additionally, through the state of Virginia health system and the current US Federal Healthcare coverage system. I have been below the Poverty guidelines economically now for well over 8 years. It is unnacceptable that this loan can not be either forgiven at this time, reduced, or another comprable solution. The original loan amount was {$3000.00}. The amount has now over doubled to {$7000.00}. I do not have the means, nor can afford to even begin to directly and immediately pay off this loan for my transcript release. I need help and intervention from a Federal Dept., who will see the matter at hand clearly and help a natural US citizen, with their US Rights. It is within my Rights to have access to my transcripts and records, as apart of the US Education system. Especially considering the XXXX and financial hardship circumstances. The transcript is essential for any future access to education, college, career aspirations or hopes. Without these transcripts, there is little to no path forward for me, for a variety of viable, legitimate reasons. I am trying to recover, start my life over and have access to a career, education, income, freedom and the pursuit of learning - but without these transcripts, that path is definitively blocked. While after some recent research on this matter, I can not find the appropriate area of Law which may be related to this matter, protect my rights and allow access to my transcripts, or confirm that blocking the records in this time frame is unfounded, unconstitutional or not allowed through US Law. Yet, I am asking for assistance in a resolution based on an ethical, spiritual, educational and mental basis, which will facilate the freedom and rights of the student, citizen and individual. Versus hindering, exploiting, blocking and denying them on a purely financial, profit basis. Were hardship not as extensive, and severity of XXXX long term, such requests may not be as viable, however in this case, for a variety of strong reasons, I am again asking for Federal intervention, and/or help from this institution & collection office in this specific matter. Thank you.
02/07/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	VA 232XX	Web
XXXX XXXX XXXX XXXX XXXX University Williams & Fudge Current Loan Service Provider ALL of my student loans federal and private were originally housed at XXXX. In XXXX I consolidated with XXXX and called to close all the XXXX accounts and was told they had all been paid and were closed nothing was mentioned that the private loan account was still open and only the federal had been closed. I did not receive ANY communication from the University or the service provider after graduation regarding this loan. When I inquired about this, XXXX, stated that the only address on record was my college XXXX. I learned that " certified mail '' can not be forwarded so it was returned to XXXX. Being that XXXX was my original service provider on ALL my student loans, I only found out about this loan not being consolidated with the others when I pulled my credit in XXXX XXXX. Williams & Fudge acquired the account in XXXX of XXXX. I was never called or pursued by WILLIAMS & FUDGE. When I found the collection on my credit report I called the telephone number provided and spoke to Williams & Fudge. I was originally told by XXXX XXXX at WILLIAMS & FUDGE that I was not being charged a collection fee on the account only the lump loan amount and the back interest. I offered to pay the entire amount at that time and XXXX XXXX stated that it would be better for my credit if I made payments and rehabbed the loan. I contacted XXXX XXXX and XXXX XXXX to verify the debt and to inquire why this loan was listed in default. Both verified the amounts owed so I started making payments to W & F starting in XXXX XXXX and have monthly since that time. In XXXX, my accountant reviewed the account history provided and noticed a " reverse payment charge ''. I inquired with W & F, XXXX & XXXX and no one could provide any information as to what the charge was. W & F and XXXX stopped returning and taking my calls or emails. In XXXX I spoke to XXXX XXXX at XXXX who said the charge was probably back interest so I dropped the inquiry. In XXXX Of XXXX W & F upgraded to a new system and Listed the former reverse payment as a collection charge. After further research and legal counsel, I am requesting that the Collection Charges be removed from My WILLIAMS & FUDGE account. It is rather frustrating being that I was originally told by XXXX XXXX at WILLIAMS & FUDGE that I was not being charged a collection fee on the account, So due to that deceit, I have paid interest that could have been avoided. Only the past due and late fees we being assessed. The promissory notes are lacking in many areas as stated by XXXX. I have also since found out that MHU can no longer provide me with any information per the contact they have with W & F My promissory notes only come close to saying anything about fees as incurred ... ... had MHU placed a lawsuit/judgment against me ( which obviously did not occur and by the time the loan went to WILLIAMS & FUDGE the NC SOL had expired. Below is the text I am referring that is connected to the clause stating that if the lender calls the full balance to be paid immediately which did not happen : Payment of lenders costs and expenses if the lender has required me to pay in full as described above the lender will have the right to be paid back by me for all of its costs and expenses in enforcing this note to the extent not prohibited by applicable law those expenses for example include reasonable attorney 's fees. NO judgement was ever filed so this clause does not apply.
10/13/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	SC 29732	Web
Received a call from a debt collection agency that is trying to collect on behalf of the XXXX XXXX XXXX. The Williams and Fudge employee will not give me requested information in a timely manner. I was originally contacted XX/XX/XXXX, it is now XX/XX/XXXX and I still have not received any information on how fees were applied to my bill. This employee says that this was not a purchased debt and that collections are handled by Williams and Fudge on behalf of the XXXX XXXX XXXX. I have a separate complaint in for the XXXX XXXX, as they have refused to give me any record of previous contact attempts. If Williams and Fudge is handling the collection for XXXX, then they should be able to give me records of previous contact attempts to me or my cosigners. The bill they 've given me is {$750.00} over the original loan amount, but they will not get me a statement of why or how that was applied. If it was late fees, I want an itemized statement that shows as much, when and how they were applied, if it was attorney fees, then I want to know how they justify applying it when the loan was not sold to them. I 've asked for this since the beginning of our correspondence and still have not received this. I have told the collector that I do not wish to be contacted by telephone, only via encrypted email, as I can not take personal calls while in the office. For the most part, the collector made good on that requirement ; but on XX/XX/XXXX, at XXXX, the collector violated that requirement by attempting to contact me while I was at work via telephone. There are XXXX reasons for not taking these calls. First, I want all of our correspondence in writing in the event that legal action needs to be pursued for either party. Second, I can not take personal calls while on the job, due to its nature. Overall, it 's been extremely difficult to get any information about this loan at all. I 've already acknowledged that it 's a debt that needs to be paid, but I can not agree to repay it when I do not have any details on how this loan is being handled. I, or my cosigner, never received any correspondence from this company or the original lender after XX/XX/XXXX ( the original repayment date ) until XX/XX/XXXX. They had stated that they could n't get in touch with me or my cosigner using the number that was provided, but they were certainly able to get a hold of me on personal cell months later, where 's the break in communication? When I requested the original loan documents, all that was forwarded to me was the signatory page, none of the other information requested such as when extra fees were applied. If such fees were applied, they have n't been done fairly, as I 've received no notification of a late payment. Dealing with Williams and Fudge has been a classic case of harassment. They will not give me the information needed to protect my financial interests. If they 'd give me this information in a timely manner, we could talk about creating a win-win for both of us. As it stands, this company has failed to show any interest in such negotiations. If I ca n't pay a reasonable amount over a reasonable amount of time, then they will not be able to collect the loan, I can only assume that they are still tacking on late fees to the amount, which is not fair, since I 've clearly shown a desire to repay, but they 've not been willing to take the burden of being a proper servicer.
06/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77340	Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you William & Fudge INC to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. William & Fudge INC must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for William & Fudge INC to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and William & Fudge INC. Providing that ( Company Name ) is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
12/11/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	CA 93033	Web
I have a balance at my previous school which is XXXX XXXX XXXX XXXX XXXX -XXXX XXXX ( which is already closed ) so they forward my remaining balance at this company ( William & Fudge ) since then, I have been paying my balance and I am almost done paying everything off. I believe my balance before this problem with them started was around $ 950.which I usually pay it online. However, that time they change the payment and started charging debit cards use so I called them ( XX/XX/2019 ) and see how can I way without paying extra. A representative named XXXX XXXX spoke to me and I thought she can help me with my problem. She told me that theres no way I can pay my balance without paying the transaction fee from the card unless I use check. Which needs to have routing number and account number but it will take 10 business days to clear it up. Since I forgot that they never charge for late fee I told her that okay for now Ill pay with my debit and pay that transaction fee but after she ran my card without confirming that she will run it. Thats where I remember that I dont get charge for late fees. So I told her I change my mind but since she processed the payment already let it go. Then I told her that I will go online instead to do the automatic payment. She told me it will not work and I have to do the process with her and she keep insisting to call me the following month. Even though I told her no but she still keep Insisting and I end up telling okay whatever. That same day I fill up online to do the automatic payment and it went through. I was expecting she will call me a month after as what she told me.but instead, she called me the beginning of the month of XXXX and keeps on calling me Leaving me a message. Some of them has an actually message and some has nothing or she will be singing and leave a message and continue singing/humming. One day, I accidentally answered her call and call me out as if I am not going to pay them ( which I already did ) shes already giving me an attitude and harassing me so I told her that I am not going to talk to her and I want to speak to her supervisor. After the back and fort argument she finally give it to her supervisor name XXXX XXXX ( I think ) and he was trying to resolve the problem with me and found out that I did made the payment already so tried offering me some discount with the balance and try to make the payment split in 2 payment. However, I told him that I cant afford to make just 2 sets of payments but I am still willing to pay the monthly with the same amount or a little but more. As long as no one will contact or harass me especially That XXXX XXXX and he told that he will talk to her. Then then today, I received an email from her. Telling me that she will send a negative in my credit report if I dont pay my balance which I have been paying as what I told her supervisor. Now, I have been trying to call them and since I am in different place right now I am having a hard time calling them. I just want to make that she will not harass anyone anymore and threatened them about their credit report.
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75070	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
11/11/2020	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NV 89149	Web
I with thru enrollment at XXXX XXXX University-XXXX XXXX and was sent the below via email. However, after returning from a work trip to XXXX, TX I became XXXX and went to the ER with a XXXX XXXX XXXX over XXXX and was diagnosed with XXXX XXXX XXXX and spent 5 days in XXXX. After being released I took several weeks off from work to recover and change my lifestyle and was unable to attend class. I never started nor attended any class at XXXX and now I have a collections on my credit report for {$1500.00} from WILLIAMS AND FUDGE INC for Original creditor : XXXX XXXX UNIVERSITY. I informed XXXX of what happened and that I would not be attending XXXX and 4 years later this show up. I would like this removed and for XXXX to correct this as I never attended the school. Hi XXXX, Congratulations on your admission and welcome to Colorado XXXX University-XXXX XXXX! We are thrilled to have you as a student. You have been officially registered for the following classes : Start Date Trimester Term Class -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- XX/XX/16 Fall XXXX Orientation XX/XX/16 Fall XXXX XXXX XXXX Before starting class, you will now need to work with your Tuition Planning Specialist. This specialist will help you finalize your financing options, submit all remaining required documents, and answer any questions you have about the tuition planning process and paying for school. Once you have completed the Enrollment Portal you will receive a notification to log into the Student Portal. At this time please complete your Schoology Orientation in the Student Portal. This will help you become familiar with our online learning environment, learn how to post discussion questions and submit assignments, and see what your first week will be like before class starts. After completing orientation you will be directed to complete the orientation self-assessment, which you will need to complete prior to starting classes. Information on finding and ordering your textbook is also available within orientation. We suggest you order your textbook from your vendor of choice as soon as possible to be sure that it arrives before the first day of class. Finally, you will need to verify your attendance in each of your courses by posting your introduction to the discussion board. Please post your introduction on the first day of class to ensure your attendance is verified. You will be dropped from your course at the end of your first week if there is no activity or posting in the discussion board. Please dont hesitate to contact me with any questions or concerns that you may have. Best of luck in your classes! Sincerely, XXXX XXXX Enrollment Counselor XXXX XXXX University-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Office Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX ( XXXX ) XXXX
11/01/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OR 97401	Web
My previous complaint XXXX was closed immediately after the company responded. I appreciate the resource provided by CFPB, and I would like a second review of these facts as I believe the statements made to CFPB were false, and because they addressed just one of three alleged FDCPA violations in my complaint. XX/XX/XXXX : I notified collector Williams & Fudge not to contact me at work. XX/XX/XXXX : Followed up with a written request to cease contact at my workplace. XX/XX/XXXX : Received a call during a critical work meeting, causing disruption. I have received multiple calls during my working hours, and each time I have reminded them not to contact me during my work hours each time and then disconnected. These calls violated FDCPA section 805. In addition to these calls, I requested debt verification on XX/XX/, but received it on XX/XX/, violating the 30-day time limit in FDCPA 809 ( b ). Three of the required statements in FDCPA section 809 ( a ) have ever been provided to me by Williams & Fudge. -- -- -- Williams & Fudge did not address my allegation that they exceeded the maximum amount of time allowed to respond with verification of the debt. Williams & Fudge did not respond to my allegation that they failed to make required statements under FDCPA section 809 ( a ). Williams & Fudge claims that I did not tell them not to contact me at work and claims to have reviewed call logs in preparing their response to this claim. I have requested, on multiple occasions, not to be contacted during work hours. Additionally, Williams & Fudge claims that I only requested not to be contacted on my work phone. This is patently false. Not only was this communicated by phone, but the exact language of my emails is clear. " We spoke by phone on XX/XX/XXXX, and confirmed that this email is the best way to reach me. '' " In addition, my employer prevents me from answering calls during work. '' " Beyond verifying employment, my employer privacy policy prevents them from sharing information without my consent. I understand you have already verified my employment. Do not continue to contact my employer as that is the extent of information they can provide. Do not contact me at work. '' Williams & Fudge falsely asserts the claim that I only told them not to contact my employer and never asked not to be contacted during my working hours. Williams & Fudge claims to have conducted an internal review following receipt of my email complaint. They stated that call recordings and email communications were reviewed and did not locate any notification not to contact me during work hours. The supporting document of my original complaint demonstrates that I had made clear requests not to be contacted during work and raises doubt about the review conducted by Williams & Fudge.
04/05/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85140	Web
I received a letter in my mail from another individual coming from an apartment listed on a debt attempt letter. They apparently received a mail piece for me that stated I owed a debt on a XXXX XXXX account that I did NOT create, and they wanted to attempt to collect a false and unfair debt. I attempted to resolve this through contacting them about this identity theft activity on my name, but was told they could not clear this SOLD DEBT without any reason that clarifies what debt I apparently owe. I also attempted to contact the XXXX, and they replied saying to fill out a fraud form on their website. So I did file a dispute on their webpage claiming that this was a fraudulent charge, but now they explain that I need three types of residential proof within two months of this account existence. Which I did manage to provide ALLL of their requests for proof, including my ID ( with a different address to prove ), A Notarized Letter representing my current address ( NOT what is on record ), a police report, and I also provided a statement saying that I was homeless during those two months which shouldve started the fraud investigation, but they denied this still. So it wouldve been impossible and unfair to prove what I cant during my XXXX stage, due to pandemic causes! I thought this was more than enough proof that Ive provided, with never been associated with this address, but unfortunately the company did not want to even start investigating my account unless I get a mail piece that falls specifically within the one month timeframe this account was opened. Since I could not provide their last request of a mail piece to my current address at the time ( after an eviction ), the claim was denied and they refused to accept ALL of my proof without showing reasons why and how this was done under me! I think this is discrimination on me because of my living situation at the time, is when they took advantage of that. In addition to this, my friend went through the same exact thing, and they approved it with the same amount of proof I provided, Im assuming they just liked her case for some reason. All I want to do is clear this debt and remain in fair terms with my credit, but if this is how they exercise their rights, then I personally have no rights to dispute anything without getting a thorough and honest investigation into this matter. I dont know what to do, Im losXXXX and they do not seem to help one bit unless I post a negative review on their business, which then they will only respond with, The customer was informed to dispute this. Please respond with a resolution so I can continue my living, clear this stressful issue, and focus on my pregnancys third trimester.
08/10/2018	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	ID 83815	Web
On Thursday, XX/XX/2018, I received a phone call from XXXX XXXX at Williams & Fudge Inc. Williams & Fudge is located at XXXX. XXXX XXXX XXXX XXXX, SC XXXX. As of XX/XX/2018, the balance owed was XXXX ( an e-mail message has been attached to show the information regarding this and for contact information ). When XXXX calls me, her phone number is displayed as XXXX, however, her direct line is XXXX. She was calling me in regard to a private student loan that had been sent to Williams & Fudge to collect on. We had spoken before ( an e-mail message from our first conversation on XX/XX/2018, is attached with her contact information ) and I explained that, due to my current financial situation, I was unable to make larger payments and could only afford to make payments of {$50.00}. Which she made note of and expressed that at least it is an effort to show you are willing to make payments toward bringing the balance down. On XX/XX/2018, when she called me, she failed to notify me of the proper disclosures, mainly if the call was being recorded or not. As the call continued, she then began to ask me if I had spoken to anyone about receiving any sort of help. I explained that I do not have anyone who can help me financially and unfortunately this was all I was able to do for the moment. She then asked, " What about the house you're living in? It's valued at XXXX XXXX XXXX XXXX dollars. '' I explained to her that the house I live in belongs to my parents, it is not mine, that is their mortgage and they have a number of their own financial issues. I have no legal right to the house I live in. I am not on any agreement, mortgage, deed, etc. and I should not have been told the value of that domicile. She and Williams & Fudge made a direct effort to find the value of my parent 's home and not inform me, or them, that that was taking place. After her telling me about the value of a home I do not own, we talked more about the account. During the discussion, I felt as thought she was pressuring me to make a decision and to find someone or someway to get the money. She stated at one point that she could guarantee that if I settled the account, they would accept me being responsible for only half of the amount owed. She then made a comment in reference to my payments that would arise from the settlement and being around {$50.00}. However, at the end of the call, she stated that I would need to start finding a way to resolve this and making larger payments 'for my sake. ' She repeated this phrase several times to me. While not directly threatening me using specific verbiage, it felt and carried all aspects of a threat.
09/08/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	DC 20019	Web
I had communicated to XXXX XXXX representative XXXX XXXX XXXX XX/XX/XXXX, on reducing and reinstating payments for a balance of {$10000.00}, due to the fact that normal debt repayments were difficult due to the effects of COVID-19. Also, I pointed out that the amount that they originally assessed to me had a great deal of late fees posted after dispersal of my XXXX loans, which were supposed to cover the full balance of the debt in the first place. On XXXX XXXX, XXXX, I received a call from Williams and Fudge ( W & F ), regarding an alleged debt of {$12000.00}, on behalf of XXXXXXXX XXXX When I called XXXX about the original balance of {$10000.00} and why it was increased or sent to a debt collector when I was in good standing with them on that same date, I only received evasive answers, with the representive XXXX XXXX stating that the office mailed over notices to an old address in XXXX. However, they have not provided copies of the letters that they sent, nor did they confirm that I received them, even though I was in active email communication with their office for several years now. I only became aware of any delinquency when I received a call from the debt collector, W & F. In my own letters to XXXX and W+F dated XXXX XXXX and XXXX XXXX, I requested that I get my original payment plan with XXXX to be reinstated, due to the ongoing effects of COVID-19 slowdown and due to the fact that they have a documented case where they have offered a reinstatement to a XXXX in a very similar situation ( re : Tiene v. Drexel, 2020 ). W+F only provided incomplete verification on XXXX XXXX, with no explanation for the increase and without the full contact information of the XXXX representative, XXXX XXXX, that was supposedly supervising the debt collection. Additionally, I requested that W & F not contact me until I received full verification of the representative at XXXX and the reason for the change in the bill amount, but that request was repeatedly violated. After sending a second notification asking for this information from XXXX and W & F, I reached out to a class action site ( XXXX ) for additional information and support regarding payment issues with other students in their database. Their site does not guarantee representation or even direct contact, but claimed they possessed additional information about similar cases. I did not promise confidentiality with XXXX, in any case or during any communication. One day after I submitted this query to XXXX XXXX XXXX ( XXXX XXXX ), I received another call from W+F about the amount they claim is due.
05/03/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	ME 04330	Web
Today, XX/XX/XXXX, I was contacted by a XXXX XXXX at what I eventually figured out ( after some research ) to be Williams and Fudge Inc. Since I didn't answer the phone, he left a message. He did not identify himself as a bill collector and mentioned absolutely nothing about attempting to collect a debt. So, I looked up the company, but couldn't figure out why they would be calling me. I called them back and spoke to another gentleman who's name I don't remember. He also did not identify himself as a bill collector until he got some personal information from me. Then, after about ten minutes of talking with him, he told me why XXXX had called, and it was to collect money for the XXXX XXXX XXXX which I haven't been affiliated with for more than a year. According to Williams and Fudge Inc., I owe more than {$800.00}. They claim that the money I owe is from financial aid the federal government forced the XXXX XXXX XXXX to return because I had dropped out early in XXXX. I explained that I did drop out, but I reached out to the school multiple times within my first week of the semester in question and no one would answer my calls or emails so that I could fill out the paperwork necessary to drop out, nor would anyone call me back. I knew I had a limited amount of time to drop out or I would end up owing them money, but my communications were well within that time. When I tried to explain more, the man I was on the phone with talked over me and talked so much and so fast that I couldn't get a word in. He accused me of not following the school 's handbook when dropping out of classes, when in actuality I did follow the handbook and shouldn't owe any money. It was the school that refused to talk to me. I did my part to avoid this debt accruing, but the school did not do their part. Eventually, the gentleman asked if I'd like to pay it, I told him no. I don't have the money to pay it and I don't believe the debt is my responsibility. He accused me again of not following the school 's guidelines for dropping out, when in fact I did. I tried again to explain that I followed the guidelines, but he kept talking over me and talking faster so I couldn't speak. I suppose I should have hung up at that point. Eventually, he asked if I'd like to file a dispute, and I said yes. Supposedly this dispute has been filed, but I don't trust this bill collector. They didn't even identify themselves in their first contact with me, and even when I called back, they didn't tell me who they were until after they asked me for personal information.
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 190XX	Web
CEASE AND XXXX XXXXXXXX XXXX XXXX XXXX to a willing person, it is not a wrong XXXX XXXX XXXXXXXX XXXX company this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You XXXXXXXX XXXX XXXXXXXX XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
01/12/2016	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	TX 75050	Web
William & Fudge , Inc. is requesting over the 8 % maximimum rate of statutory prejudgement interest as allowed in the Mississippi Code XXXX. I received a call from William & Fudge in XXXX XXXX stating I owed a debt to the University XXXX for a private student loan, my agent stated his name was XXXX XXXX The loan balance at the time included XXXX for the principle, XXXX for interest and XXXX for collection fees. The company confirmed that the collection had only been with their agency since XXXX XXXX and I requested a calculation of how the collection cost had come to over XXXX in such a short period of time, they were not able to answer, I also requested a settlement of the collection cost, to which they advised me to contact the University XXXX . I contacted the University XXXX on XXXX and was informed by XXXX in the Bursar office that the state of XXXX does not allow for settling on the original debt ( loan principal and interest ), however the collection company may be able to negotiate their fee. XXXX also informed me that the collection cost and fees did not cumulate from collection agency to agency and the fee the William & Fudge was charging was based on services that began in XXXX XXXX. I contacted William & Fudge on XXXX/XXXX/XXXX and spoke to VP of collection XXXX XXXX, who informed me again that they could not settle on the collection fees, I asked him how those fees were calculated as the file had not been with their company for more than two months and collection efforts had not been excessive, the company had my contact number and address on file and I had been in contact with XXXX XXXX. I was provided with no response other than it is their policy. I have sent a formalized debt validation letter to William & Fudge asking for : Breakdown of the principal, interest of loan Calculation of collection cost and fees including interest you say I owe ; Timeframe in which said interest rates are being calculated ; Provide me with copies of any papers that show I agreed to pay what you say I owe. In Pursuant to the Mississippi Code XXXX the Legal Maximum Rate of Interest is 8 % ; contract rate not to exceed greater of 10 % or 5 % above discount rate Mississippi Code XXXX. Penalty for Usury ( Unlawful Interest Rate ) Forfeit all interest and finance charge ; if rate exceeds maximum by 100 %, any amount paid ( principal or interest ) may be recovered ; person willfully charging usurious rates guilty of misdemeanor and fine up to {$1000.00} Mississippi Code XXXX.
09/08/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19141	Web
I attended XXXX XXXX XXXX - to mid XXXX. I was using FASFA and other student aid that covered my tuition balanced. Fall / Winter of XXXX my school location XXXX XXXX was closed. XXXX XXXX filled for bankruptcy which caused multiple campuses to close down. Due to the school closing and only being a semester away from obtaining my degree I could not and did not receive my XXXX from XXXX. On the FASA / STUDENT AID websites has laws and forms stating that if a school closes before obtaining a degree you do not have to pay your student loans back. This summer of XXXX Ive been contact and harassed by WILLIAM & FUDGE saying that I owe them money. Apparently XXXX sold my account balance or they bought out my balance ( that I do not owe ). When I explained to them why I shouldnt owe a balance I was accused of lying and acting immature. Being told by an employee of WILLIAM & FUDGE you need to stop acting immature and figure out how youre going to pay us our money ~ XXXX XXXX. Well, thats not true youre lying because XXXX XXXX is obviously still opened ~ XXXX XXXX Not only am I being harassed but the two phone calls that Ive received from them their behavior was disgustingly out of line. Also, being accused of lying and saying that I agreed to pay which I never agreed to. I have no choice to believe that WILLIAM & FUDGE is apart of the politics that are currently against my family. There is no reason on how I owe the Art Instiute money when I have documentation on my FASFA that my tuition was covered. I also received a grant from the XXXX XXXX that covered my art materials. There is no such thing as me owing a personal balance if there was no personal charge to begin with. Even in the document that was emailed to me the numbers did not make sense. I went to go review the document again and it appears as unavailable. It seems very suspicious and I believe they are messing with numbers. There is no way my account should have a charge or balance. Also, if I owed a balance to AI I should not have ever received my official transcripts from them. This file contains my document that was emailed to me about my balances that is now no longer available. I cant even see my balance for myself. I do not trust this company at all! Seems very suspicious. Its no way I owe my school money at all. These are also the reviews about WILLIAM & Fudge. Other people have experience this same tacky behavior and believe they are also suspicious.
03/23/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	MI 48813	Web
Williams & Fudge has been attempting to contact me for perhaps a year about a debt that I supposedly owe ; but since they've been leaving voicemail on a phone I rarely use, I've let it go until recently. ( I've blocked the number, but that doesn't stop them from leaving voicemail, unfortunately. ) A month or two ago, they sent me a letter that said I can either dispute the debt ( and gave me several options to check as to why I was disputing it ) or ask for details on the situation. I checked " I don't owe this debt '' ( or whatever was similar ) and attached the slip to a detailed letter saying why I felt I didn't owe it. In it, I stated what I believed the debt to stem from, the fact that they were outside of the statute of limitations in three different states ( the state I reside in, the state the school is in and the state the lender is in ) and the exact legal citations pointing out the statute of limitations in all three. I also said that in the unlikely event I'm not outside the statute of limitations, Williams & Fudge still won't be able to collect a debt off me, as I am on XXXX and only federal student loans can garnish that, not private. I sent the letter and assumed that would be it. Earlier this month, I received a large manila envelope ( with no return address ) with a thick sheaf of paper. The cover letter said it was from Williams & Fudge and it was the details of my debt, complete with credit reports for my cosigner and I and paperwork I don't remember signing. ( I, in fact, did not physically sign these papers ; they were marked with a digital signature, so I have no way of proving that they were not forged. ) There was also a pair of affidavits noting that disclosure statements for both my cosigner and I were missing from the file. ( I think this is detrimental, but I can't say for whoit may, for example, state the length of time it takes for the debt to go default, so I may not be outside of the statute of limitations after all. I did not ask for this waste of paper ( and it was truly a waste, because there were multiple copies of several things and no clear reason why there was ), and the only thing I learned from itbesides the fact that no one read my letteris that they were pursuing a debt from a different school than the one I wrote my letter about. Regardless of which school, the statute of limitations has expired and they need to stop calling me and sending me junk.
05/26/2022	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	MN 554XX	Web
XXXX XXXX unknowingly signed me up for classes Now I am being harassed by a different bill collector every day, claiming I am a student at XXXX XXXX XXXX XXXXXXXX campus and that I owe them money, I have never even applied for admissions there. Illegal debt collecting practices : -- -Taken away my right to find out if the debt is legitimate by constantly switching the debt collector so far there's three and two days that have contacted me this week. Also I can not find any student enrollment information as XXXX XXXX is gone and I never applied or was enrolled in Arizona. -- - The calls, the emails, and the letters keep coming. This week 3 different collectors in 2 days. This new " phantom debt from XXXX that just appeared this week. I work nights this is very taxing on me to have to wake up to debt collectors phone calls. I'm constantly sorting through emails and letters that is being sent to me from unknown people with an unverified debt. I'm doing my best to track down this debt and I have to stay up at ours that I'm normally asleep to contact people. -- the deck collector is saying that in XX/XX/XXXX I was enrolled in XXXX XXXX XXXX XXXX campus and signed up for an XXXX class and then dropped it. There's no record whatsoever of me ever being enrolled or applying and XXXX XXXX XXXX XXXXXXXX campus. XX/XX/XXXX I was fully enrolled in XXXXXXXX XXXX XXXX XXXX and using FASA loans. I got scammed from a fake university called XXXX XXXX that was claiming that my FAFSA would cover the classes. That was not the case. Here is the lawsuit see the link at the bottom " XXXX XXXX judge fines ex-owner of XXXX XXXX $ XXXX for bogus admissions tactics '' I had signed up for one class that I was going to transfer to XXXXXXXX XXXX XXXX XXXX where I have been since XXXX anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX After I signed up for the class they told me I was gon na have to pay cash after I started attending so I said I'm not taking any more classes I won't sign up for anymore. I finish the class and pay the debt in the company went under. It got sold to XXXX XXXX XXXX XXXX campus. I called that new campus to make sure I didn't have any outstanding debts from the scam. I also called to see if I can't get my transferred credits via use of my transcripts which they did not have or any information on me whatsoever. Here is the link to the ruling XXXX : XXXX
10/02/2017	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	PA 19130	Web	Servicemember
On Thursday XX/XX/XXXX, I contacted Williams and Fudge in response to a letter I received for my outstanding loan with XXXX University. I spoke with an agent and explained that I could maybe pay {$10.00} per month at which point she offered a settlement for 50 % .The representative called my cellphone on XX/XX/XXXX and my brother answered the phone. My brother stated that he was me but the representative did not do anything to verify this was true other than feed my date of birth and ask for conformation. I believe this is a violation of 3rd party disclosure. I called back and spoke with a supervisor to explain my issues. I was told that I could not settle my account and re enroll. I would need to pay the balance. At that point I explained that I wanted to look at my options to to their violations as well as to see if my loan may have been affected by the recent lawsuit against the University. I also explained that I am a former member of the military experiencing a hardship but I would refrain from file a complaint against the agency as well as the University if they would accept my offer. He accused me of black mail and said " as a member of the military, you are saying this on a recorded line? '' This statement was made in effort to intimidate me into not filing my complaints as the representative had preconceived notions that I was making false claims in order to get my offer approved. My right to investigate a dispute and well as my right to privacy is protected under the FDCPA. Further more this representative proceeded to over talk me duding most of the conversation. I explained that I am a customer and he should n't speak to me this way. He stated that I am not a customer of the agency. My belief is that although that may be true, they are an extension of the University who needs to treat the customer the same as the University would. I was also told that my offer is ridiculous in his professional opinion. Nobody who has served our country and is experiencing a financial hardship should be told their offer is ridiculous, regardless of the opinion of the agent trying to collect. I am appalled that XXXX University would want someone like this acting on their behalf. I will be looking into my legal options regarding third party disclosure violations, false and misleading statements as well as refusal to acknowledge my option to dispute
05/03/2023	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	LA 70508	Web	Servicemember
In XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX, that they were going to waive my prior debt, in order for me to continue school. As prior, I had to leave school, due to personal tragedy in my household. I was told the debt would be waived, in time for me to register for classes in XXXX. However, the debt was not cleared by that time. The classes I registered for, were dropped due to the debt still remaining. After contacting my Advisor of the issue, she assured me that, I would be able to start classes in XXXX, instead. In late XXXX, the debt was still not cleared. I did not plan to attend classes, in XXXX as promised by my advisor, because the debt still had not been cleared. I planned to start in XXXX instead. Suprisingly, after about a week into the new class semester, I received an email, stating that I was behind on assignments. I was in shock. I had not idea that I was registered. My advisor had not followed up with me, to verify that I was still prepared to take classes, at that time. Unfortunately, I was not, as my word load, at my full-time time had, grown. However, having dealt with XXXXXXXX XXXX XXXX and having dropped classes, before, ( reason for my prior debt ) I know that the school still holds the student responsible for the costs of those classes. I tried my best to complete the work, though being a week behind in assignments. Eventually, I had to withdraw, it was too much to catchup on. Though I felt it was not my fault. I received federal student loans and grants, to pay for classes. The school says that I am responsible for classes that were already paid for, by me, via student loans. After speaking with someone from the collection department, at the school. I was told that I could dispute the debt. IHe told me that he would email a dispute form. I never received the dispute form. Here, we are on XX/XX/2023, and I receive a notification that the debt was added to my XXXX credit report, on XXXX XXXX. I received no other communication from the school. I didn't receive the email with the dispute letter, not did I receive a letter stating that there was a possibility, it was going to collections. The school has my updated information, yet I received nothing in the mail, giving me t the ability to respond. The debt was sent straight to reporting at the bureau. Which is against my rights.
09/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33409	Web
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
09/06/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	CO 80301	Web
I have made multiple attempts both recently ( two days ago ) and in the past as well to get in contact with XXXX XXXX University XXXX. In the fall of XXXX I signed up for two classes. I received no credit from XXXX XXXX because they would not access my financial aid even though I had been awarded it. I repeatedly sent the information they requested yet they continued to ignore me and not access the financial aid that had already been approved by FAFSA. Despite this XXXX did not access my account. Therefore, I did not attend the classes because I did not have the financial aid to buy the books required. Once I figured out that the school had no intention of accessing my financial aid it was too late to drop the classes. All of this was done while I was working diligently to get all documentation that they wanted, with no response from the financial aid office at XXXX. I had an awful experience at XXXX and could not get any assistance ( no matter how many times I tried ) from the financial aid office or my advisor. XXXX has now sent me to a collection agency by the name of Williams & Fudge , Inc for the amount of {$3800.00} for classes that they did not provide to me. I never received one call, mail, or email notifying me that I had an outstanding balance or that I was at risk for being sent to collections. The only reason I found out I had this balance is because I tried to order my transcripts for a new school that I am attending on XX/XX/XXXX. When I tried to order my transcripts I was unable to due to a hold. I then called the financial aid office asking why there was a hold and they told me I had been sent to collections for {$3800.00}, shocked I asked to speak with someone in charge and I was put on hold and then hung up on. Fast forward to now a week later XX/XX/XXXX, I oddly get a statement in the mail after not getting one at all this entire time. Seems too coincidental that after all this time I get absolutely nothing notifying me of my outstanding balance, but now all the sudden I get a statement after calling the office about a hold on my transcripts. I have read many reviews of XXXX XXXX University XXXX and there are dozens of stories just like mine, it is upsetting that this institution makes double the profit from financial aid students trying to get an education.
04/23/2018	Yes	Debt collection Private student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 60615	Web
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
11/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33414	Web
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
08/14/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CO 80922	Web
I attended XXXX XXXX XXXX College, XXXX XXXX XXXX, in XX/XX/XXXX through XXXX or XX/XX/XXXX in XXXX XXXX, CO. I filled out my needed financial aid paperwork and documents to try and get a loan either from Federal or State. Since at the time I was under the age of 25 I needed my parents financial information in order to complete my FASFA. To the best of knowledge my parents have not talked too each other since XXXX. Neither one of them wanted me having their financial information in case somehow the other got a hold of thiers. This created a problem in moving forward with the FASFA. The financial aid director, sorry I don't remember her name just that she was a female, took me I could start and continue with my classes while the FASFA was being processed. She explained to me that if it did get denied that the only way I would be held liable for any costs with the books or classes is if I re-enrolled for my next semester. It didn't get approved and I never enrolled for classes past that semester. I made sure that at the student services center, or enrollment offices, that they knew that 100 %. I did receive a few, two and possibly a third, letter from the State of Colorado within in the next two years when I received the bill in the mail. And each and every time I responded to the State and the School. Never, ever did I hear about a response from either of the two. After the last response I sent I never heard another word from either of them again. This was XXXX at the latest. I never went to court nor was I even summoned to court about the issue. Then in XX/XX/XXXX, 9 and 1/2 years after the fact, without letter or notice the debt was placed into collections and reported on my credit report. Seven years from last hearing from them I have a debt collection on my credit score. My best friend 's father is a loan officer and works closely monitoring people 's credit and issues associated with thier credit. After explaining to him the sutitution he informed me that what they, XXXX, did was illegal mainly due to the length of time involved. Unfortunately since such a great and lengthy time has passed I do not have any of the original bills or responses because I thought the issue was dismissed or handled.
05/21/2020	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	AZ 85340	Web
XX/XX/2020 received a letter from collection agency regarding past due federal student loan. I immediately called the collector, Williams & Fudge. I was advised to consolidate my {$16000.00} loan along with a {$5200.00} penalty and collection fees. I was not offered any other options. Upon speaking with family, I found that there should be other options offered. I agreed to a Rehabilitation program offered for federal student loans. The collection agency promised to send me the agreement offered by the school. Instead of giving me the offer outlined by the university, the collection agency sent me a vague contract. This contract only included a monthly payment I was to pay of {$600.00} for 9 months. Nothing else. No terms as to what this payment goes towards or where my loan balance and payments are once the 9 successful payments are made. Two months of back and forth, they finally sent me a contract that includes terms. BUT, the terms are not what was agreed to. Still not complete, but they have managed to add over {$12000.00} in penalties to my original {$16000.00} 5 % loan. Upon more research I discovered that a collection agency can not cross state lines. They have made contact and continue to contact me at my parents home in XXXX XXXX. I am permanently located in XXXX XXXX and have been even prior to their involvement. I have informed the agency that they are using the incorrect address and they don't care. In summary, 1 - They first deceived me into thinking that the only option was to consolidate and add an addition {$5200.00} to the loan and start over with payments. 2 - Once they were informed of the rehabilitation offer, they still would not put the terms and condition into a contract. They continued to charge the {$5200.00} penalty even though that should have been reduced to only being on the past due amount and not the full balance. 3 - I involved the Federal Student Loan Ombudsman office to try getting term included. They then sent me a new agreement outlining some, not all of the terms. The terms are not what we previously agreed to or what the university told us. 4 - Finally, they are reaching across state lines as they are in XXXX XXXX and I am in XXXX XXXX.
02/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34786	Web
I attended XXXX in XX/XX/XXXX and XX/XX/2015. I missed the first chemistry lab for my chemistry course and was dropped from that course, without any notice or mention whatsoever. Once I found out, I attempted to register for another chemistry lab at the student services office, where I was told it would cost an additional {$250.00}. I did not have this additional money available to me at the time, since a refund for the class they choose to drop me from had not yet been given, and I had yet to receive my student loan for that semester. This was on a Friday afternoon and since I could not get another {$250.00} to give them that weekend, they proceeded to drop me from ALL of my courses that semester, which totaled approximately {$3200.00}, which they then decided Id owe to them. Because they dropped me from all of my courses, I obviously could not get the student loan that I was waiting for and intended on paying for my courses with for that semester. I dont know if its worse that I couldnt ever go back to XXXX to pursue the second degree that I was pursuing or the fact that I couldnt pursue the degree I was pursuing and they claim I owe them for them taking me out of my classes. The whole situation is extremely unfair, and frankly, seems like a complete scam to make more money off of students who are simply trying to pursue higher education and dont have a lot of money to do so. If I had voluntarily dropped my courses, I would absolutely take responsibility for whatever monetary value Id owe, but they unfairly dropped me from all of my classes and keep claiming that I owe them. They would have easily made more profit off of me, if Id been able to continue my degree program. On top of all of that, the cost of the courses was just over {$3200.00}, yet this collection claim is now well over {$4300.00}. Correct me if I am wrong, but I dont even think it is legal to choose to add-on to a collection account. With all of that being said, and especially considering the fact that Ive made several attempts to dispute the legitimacy of this collection account, I want this completely vacated from my credit report immediately. Ive fought this long enough and the next step is to make it a legal matter.
06/22/2015	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	TN XXXXX	Web
XXXX/XXXX/2015 @ XXXX my cell phone rang from incoming call ID XXXX. So, I placed it on speaker thinking is was a telemarketing company. The man asked me by my full name, full DOB ( with year ). He said his full company OF William and Fudge regarding an XXXX matter and anything said would be using those purposes, and that the call was recorded ( not exact words but close to it ). I explained the debt is not valid not to call me back contact me again. Also, I sent a XXXX XXXX using tracking # XXXX XXXX XXXX asking 1 ). Verification of any debt related to my so called account 2 ). The nam and address of the original creditor and current creditor 3 ). Forms to assist disputing accuracy of such items. Also, I wrote they compromised my ID data by sharing it without first validating the person he was speaking to before sharing DOB and his agency name. Then, on XXXX/XXXX/2015 the same agency called my same cell phone number using a totally different incoming number of XXXX at XXXX. There is a clear violation of the law here. Clearly, the agency was attempted to work around my call blocking of the original number and perhaps hoped in 90 days the number dropped off my cell phone log as must drop off in 90 days. I am requesting CFPB fine them in the amount for the violations of the law. I have XXXX phone records and copies for proof. Also, they failed validate their claimed debt. I shared I dropped with XXXX XXXX AND instructor XXXX XXXX if it was related that a dropped class. Also, I provided the school an obituary, and I agree to pay payment plan. The University has a past practise of working with students that had an immediate family member pass. I had other reasons to drop, but they are no about this matter. The University contacted me stating they are investigating too. For any balance due, I already have agreed with XXXX to pay them for prorating dates without any upcharges, and they agreed after I am employed. Also, XXXXXXXXXXXX is not accepting payments after I agreed to a payment plan for money not owed once employed. Now, I am advised by legal professionals the debt is clearly not valid given all the documented facts and record that go back two years.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web	Servicemember
XXXX XXXX put this collection on my XXXX XXXX in the past with XXXX XXXX XXXX in XXXX XXXX XXXX I called and emailed the issue directly with them as well as Consumer Finance to let you all know that I did not owe XXXXXXXX XXXX They got paid from the Department of Education in XXXX the last time I was an actual online only student. I never paid out of pocket. They only got paid from D.O.E.. When their funding stopped from thr D.O.E. for misappropriation of federal funding. The was taking to court. They lost the trial for being fradualent with the D.O.E. Asking for more money inappropriate like they have continued to do to me as well as several other students, in a last ditch effort to get more cash. Now they give the fraudulent collection to Williams and Fudge to attack my XXXX when I already gotten rid of them. In the middle of this time they have continued to call and harass me. My next step is a lawsuit for the harassment and they need to stop now. Because I won't. I care about my credit and I refuse for any lie to be on there at all. Enough is enough. I never owed them and never will. They unenrolled me in school XX/XX/XXXX after last class online without permission, ( I did not find out from till XX/XX/XXXX, when I went into my Department of Education Account, before they sent this to collections after manipulating me on phone to pay part, half or all to come back as a student. I have reported to XXXX, now Consumer Finance and next FTC and Williams & Fudge Collection Agency to resolve this. I have attached all the other CF reports I submitted. Along with the {$0.00} balance that I owe XXXX and the court news about the trial that they were involved with the list they was on with DOE to stop funding for being inappropriate and misappropriation of funding. XXXX lost and they continue to harass us students because they can not make anymore money from the D.O.E I have proven my case over and over. The collection agencies needs to be aware of the fradulant companies they are sending over collections for. I have great credit and I will not allow this to continue. I will report to all business ' that handle these situations daily till this resolved.
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 946XX	Web
I am in receipt of the attached sheets of paper from you.I assume this is the response to my request for verification of a debt and proof that you have in your possession that I owe this debt. This documentation is not sufficient to establish that I owe this debt to your organization and must be deleted. Proof that I owe a debt to your organization or an organization that you are collecting for is required or the debt is not owed and not valid. You may present this this in the form of a signature from myself agreeing to the be specifically responsible for this debt or a voice recording of me specifically agreeing to be responsible for this debt. Simply supplying sheets of paper that have amounts of money on them does not establish that a debt is owed by me. Simply asking the organization that you are collecting for if this is accurate is also not sufficient, proof must be supplied. Please note that 30 days has passed and this proof has not supplied and I assume that it is not in your possession. This must be deleted from my credit reports immediately. I will ask both the state of California and the CFPB to get involved if needed. I also note that there is no California License number indicated and it says pending. I believe a California license is required and lack thereof would make collection practices unlawful. Again, this must be deleted or I will have to ask the Attorney Generals Office of California to get involved. Please also note that credit was not applied for nor granted to either your organization nor XXXX University and therefore may not be reported to a credit reporting agency. You may not report items that are not credit or loan products and the item in these papers appears to be neither of those items. Please note that you may not contact me other than by mail at home or email at XXXX. No other communication is authorized as I can not receive such calls at my business numbers, mobile business numbers, emails, and addresses.
09/03/2021	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	GA 31794	Web
On Wednesday, XX/XX/2021, at XXXX EST, I received another phone call from Willams & Fudge at XXXX. I had been receiving calls from this number over two weeks at least three times a day or more. I answered twice when the calls initially began, but the caller hung up, therefore I stopped answering thinking it was just another telemarketing company. When I answered this day, the representative spoke so quickly that I did not have a chance to collect his name, nor did he mention his representative ID/badge information. The rep mentioned the that the call was on a recorded line and that this was an attempt to collect a debt on behalf of a local college. The rep proceeded to ask how I would be taking care of the balance without asking if I were able to, nor offering any type of payment plans. He failed to initially ask if I agreed to the debt and my right to dispute or request debt verification. I mentioned that I would be unable to pay for anything at the moment as I am presently unemployed. The rep became intrusive and asked, " well, who is taking care of your expenses then? ". I respectfully stated that that information was none of his concern nor did it have anything to do with the reason for his call and to please take my number off the call list. The rep proceeded to say these words, " well, the calls are not going to stop '', and at that moment I told him that I knew my rights as a consumer in the state of Georgia. The rep replied that he would make note of my request. The mere fact that he boldly stated that " the calls would not stop '' immediately suggested harassment. Also, the fact that he asked " who was taking care of my expenses '' had now become an unconstitutional act towards my rights to privacy. He, and other representatives of Williams & Fudge, should receive more training on proper phone etiquette as well as keep in mind that consumers still do have rights and ethically speaking, we are still experiencing pandemic overlay.
09/01/2017	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NC 27606	Web
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.
11/07/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NY 12304	Web
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.
02/27/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	KY 405XX	Web
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.
09/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 78251	Web
On XXXX XXXX of this year, I filed for Chapter XXXX Bankruptcy relief, and included a {$1500.00} debt from Texas XXXX University, which I incurred from dropping courses after the withdrawal date. This debt was appropriately included in my Chapter XXXX schedule F, and discharged by the presiding judge on XXXX the XXXX. Today, XXXX the XXXX, I received an alert via my credit monitoring service informing me that I now have a collection on my XXXX report from the Williams and Fudge agency for a {$1900.00} debt to Texas XXXX University. I was unable to attain auto financing due to this open collection with a high reported balance. My XXXX score dropped XXXX points once this collection account was added. I placed a phone call, left a voicemail, sent an email with attached copies of my Chapter XXXX petition, schedules, and discharge to Williams and Fudge. I also sent a dispute along with all of my BK documents XXXX. Now I have to wait a month or so for this inaccuracy to be investigated. This school debt comprised one of the largest balances of any of my debts, and was a significant factor in my decision to file for bankruptcy. My credit report has rightfully suffered from the bankruptcy filing. I should not be further penalized by having collections reported on debts that were discharged in the case. I advise anyone who files for bankruptcy to keep diligent records of every debt, payment history, and communication with your creditors. Receiving a bankruptcy discharge does not mean your case is over or that you wo n't be hit with attempts to collect your debt at a later date. Sadly, a collection agency can inflict serious damage upon your credit report overnight, while it will take you a month or more to dispute, verify, and defend your credit score when inaccuracies are reported.
05/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	RI 02895	Web
Email dated XX/XX/XXXX from Williams & Fudge , Inc. agent XXXX XXXX that I owe them a debt for {$18000.00}. The Original Creditor was XXXX XXXX. I have no contract with Williams & Fudge , Inc . I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between Williams & Fudge , Inc. and XXXX XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974. If XXXX XXXX did not violate my rights under the Privacy Act, then how did Williams & Fudge , Inc get my private email information. I have attached correspondence that shows tender of payment ( RI Gen Law 6A-3-603 ) to XXXX XXXX was received via certified mail XXXX XXXX on XX/XX/XXXX. Even the amount stated by the Debt Collector XXXX Williams & Fudge XXXX Inc., doesnt match! Also, pursuant to 15 USC 1666d if there is a credit of account balance with surplus of over {$1.00} dollar in accordance to the journal and ledger entries described in IRS Pub 583, the amount balance should be credited and the remaining balance must be directed to the consumer. ( {$18000.00} ) the documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 USC 1666 ( b ) ( 2 ) to provide documentary evidence which involves books of account in accordance with 15 USC 44 to resolve this billing error.
01/13/2020	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	CA 92057	Web	Servicemember
I was provided with a notification of collections from Williams & Fudge , Inc dated XX/XX/XXXX for a debt due to XXXX XXXX University XXXX XXXX for the amount of {$10000.00}. Friday XX/XX/XXXX, I reached to the organization to remed the debt. Upon trying to get ahold of the organization to establish a payment plan, or to get a general idea of my options, I accessed their website. There was a section to complete a proposal of payment, in which I completed requesting to pay {$50.00} starting XX/XX/XXXX, providing all of my necessary information for them to get ahold of me and send me a confirmation of payment plan. Upon submission, no confirmation email was sent and no record of the agreement showed up on their site, indicating that any attempt at reconciliation was made. Two days later, XX/XX/XXXX, I went back to their site to formally make a payment, establish payment plan, and also define the frequency and start date of the payment plan. Again, I requesting to pay {$50.00} starting XX/XX/XXXX. I provided my account information, established my payment agreement, and submitted the request. Again, I get no confirmation. Now, it is XX/XX/XXXX, and I received confirmation from my bank that the funds have not been taken out. I am not able to get ahold of anyone to get ahold and talk to. I have called on repeated occasions, including XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX in which I am prompted to leave my name, SSN and phone number, and they full call back. I was not comfortable leaving my SSN. I have left two messages at this point and attempted two attempts of electronic communication and have received no acknowledgement from the organization. I am literally unable to talk to anyone or process any payment plan.
12/06/2023	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	WA 98409	Web
I was an XXXXXXXX XXXX at XXXX XXXX XXXX in XXXX. I was awarded a Washington XXXX need grant and a XXXX XXXX XXXX. During the last quarter of the semester, I was told by my XXXXt counselor that the math class was not needed to finish my degree. I was dropped from full-time to part-time. This was well into the semester. He withdrew me from the class, and I completed my XXXX XXXX XXXX in XX/XX/XXXX. As a result, XXXX XXXX XXXX wants part of the grants paid back. I set up a payment plan, and have been able to pay {$970.00} at {$50.00} per month. Unfortunately, I lost employment in XXXX, became severely XXXX XXXX XXXX XXXX and had not been able to make the payments. On XX/XX/XXXX, I received an email extending a payment plan from XXXX XXXX XXXX giving me until XXXX to enroll. I sent an email to XXXX XXXX on XX/XX/XXXX, the Account Specialist at XXXX XXXX XXXX XXXXXXXX XXXX requesting to restart the payment plan. I was informed that my account had been sent to the Williams and Fudge collection agency. I have requested proof of the amount that is owed, which is incorrect. On XX/XX/XXXX I received an email from the collection agency with an incorrect amount being owed. XXXX XXXX XXXX and Williams And Fudge are charging me twice the actual amount of the grant that was awarded in XXXX and refuse to provide proof of how my payments were applied to the debt. XXXX XXXX XXXX sent out a system-wide email stating that an error had occurred, and students were accidentally being charged double what they owed. I never received confirmation that the issue had been corrected, so I'm being required to pay double. I want an investigation done on XXXX and Williams And Fudge collection agency for fraud. I do not owe this amount.
08/10/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63139	Web
For whom this may concern, I was contacted by Williams & Fudge ( a debt collection agency ) on XX/XX/XXXX by XXXX XXXX. She stated to me that I owed a university ( XXXX XXXX XXXX ) over {$12000.00} for 1 semester of classes. When I disputed the debt, Williams and Fudge sent over proof from XXXX XXXXXXXX. This included a handwritten note in pencil with my account number. However, Williams and Fudge and the University failed to produce any signatures with my hand writing. I was able to pull up this evidence before, and now it wont let me. ( Please contact Williams & Fudge for documentation ) I contacted the school in XX/XX/XXXX, XXXX, and XXXX of XXXX. I left voicemails, and no one returned my call. When I called in XXXX, I finally got in touch with the University. They again failed to produce any evidence, and claimed over the phone yes, I can see you attended. When I requested to be shown the information, this was never produced to me. They refused, saying you need to contact Williams and Fudge, on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX I was then told this could hurt my credit by Williams and Fudge. I said, its never showed up on my credit report before. Its been reporting since XXXX XXXX, XXXX. When I called back at XXXX they claimed this was false information - directly from Williams and Fudge representative. ( This is also on a recorded line ). Mind you, Ive had the same phone number since XXXX. I was NEVER contacted by XXXX XXXX or Williams and Fudge until XXXX. They purposely let the finance charges lapse until the debt reached over {$10000.00}. They claimed I attended in Fall of XXXX, in which I was living in XXXX Not XXXX. According to the university, the debt is over 4 years old.
06/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
On XX/XX/2023 I received a notification from XXXX credit monitoring that a new collection was placed on my XXXX credit file. This alleged Collection account was placed on my XXXX credit file reporting from Williams and Fudge Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX * This is a violation of the FDCPA and FCRA as I was NEVER initially notified by Williams and Fudge of an attempt to collect a debt or my right to dispute prior to reporting to a consumer reporting agency. On XXXX the XXXX, XXXX I sent Williams and Fudge Inc a debt validation request to the address that was being reported on my credit file. ( USPS Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX The US Post master informed me that their zip code was NOT correct ) On XXXX the XXXX, XXXX Williams and Fudge Inc, received and signed for the debt validation request. On XX/XX/XXXX I disputed this alleged collection with XXXX ( Confirmation # XXXX ) as it is a violation of the FDCPA and FCRA as I was NEVER initially notified by the debt collector before they placed the alleged collection on my credit file. On XX/XX/XXXX XXXX received an update from Williams and Fudge Inc that this alleged collection account belongs to me. This is a subsequent and clear violation of the FDCPA and FCRA as Williams and Fudge update INVALDIATED information during the 30 days debt validation period ; this was just 7 days after they received my debt validation request. As of today Williams and Fudge still has not validate this alleged debt to me and is refusing to remove it from my XXXX Credit report. To be clear I was NEVER notified of an alleged debt by this debt collector before placing it on my consumer credit report.
02/18/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NM 87108	Web	Servicemember
On Tuesday XX/XX/2020 at approximately XXXX XXXX, XXXX XXXX, and XXXX XXXX I had three missed calls from a company trying to collect a debt. I called back asking who was calling because I did not know who it was. The lady stated her name was XXXX from Williams and Fudge and a debt collector trying to collect a debt. Asked if I was the person on the account, and again asked who I was speaking to and she proceeded to tell me she was trying to collect a debt for a client and proceeded to tell me about this debt without confirming who I was. I said that Ive spoken to someone about it and I couldnt make a payment plan at the moment because I was in a financial rut at the moment. She asked how long Ive been in this rut and I said a few months. She started to raise her voice and become really rude with me at this point. She said that its been over a year that i owed this debt and said that I owed over {$6000.00} dollars for this debt ( that was not the right amount ) and I needed to pay it. I said that I couldnt at the moment. She then asked if I knew that this is on my credit and if I knew that its going to impact my credit score. I told her yes I know but I still cant. She asked if I filed my taxes, and I asked her why she needed to know and she raised her voice more and said that she had a right to know and if I was refusing to state this information over a recorded line, I said yes I am refusing plus its already going to be taken. She asked from who? I said that it was not any of her business! She then asked if I was going to get a second job to pay this debt. I finally told her that I would not like to speak with her regarding my debt and she should not call my phone.
12/19/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75068	Web
I had to leave the University I was attending due to an illness. The University then sold my account to this debt company for collection. They started collecting the debt in 2007, {$100.00} per month, and the total debt was only {$11000.00}. It has been 11 years, and this debt should be paid in full, yet they say that I owe more than 13,000. I have never signed any promissory notes or guarantees to pay any additional amount. They have never provided any schedule of fees or interest amounts regarding the account. This violates truth in lending, fair debt collection practices, and more. They need to report to the University that the debt has been satisfied, as I have paid more now than the original amount. They need to stop stealing money from my checking account that is not theirs, as I have fully paid the amount owed to the school. I will contact an attorney regarding their unfair and abusive practices. In regards to XXXX. Your policy does not allow for medical withdrawals after the fact. It has now been 12 years since I attended the school. I would like to be able to finish my degree, but I am unable to do so due to this school not releasing my records. I have paid more than due to this collection company. Also, I have paid for all the credits that I obtained from your University. There is no reason I can not even get access to see what credits are on there. You have sold the debt to Williams and Fudge. Therefore, you no longer have collection rights. You need to release my transcripts and remove the hold on my file. I have paid you {$40000.00} for the credits that I completed and I have a right to the credits I have paid for and earned.
01/31/2019	Yes	Debt collection Private student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 93727	Web
This debt is not something that I even owe in the first place. XXXX University states I didn't drop a class in time which I did. I never attended one class and I dropped the class before the first day which is well within the time in order to avoid being charged. In addition, I have requested documentation of proof that I owe this debt numerous times from both the school and now this collection agencies and have received nothing. In fact, a representative from Williams and Fudge showed up at my work saying they were suing me and that they had documentation for me. They were rude and persistent, trying to have my HR department contact me ( they contacted me after the man left the office to let me know ). Finally the representative agreed to leave his contact number for me to reach him. When I called the number he again said he was trying to serve me papers and asked why I hadn't been answering my door at my home. I told him no one had come to my home while I was there. I then asked what this was about and he explained it was for my debt with XXXX and that I needed to pay it immediately to avoid litigation. I explained to the man that I did not agree that I owed this debt and I wanted copies of documentation to prove I owed this money. I also told him I had not received any correspondence in the mail or phone calls from his company so I was taken aback by this aggressive approach. He told me I sounded like I knew what I was talking about. I told him what I did for a living and he quickly got off the phone. I never received the documentation I requested and I never heard back from the company either via mail or phone.
03/02/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX XXXXX	Web	Servicemember
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.
02/16/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 08085	Web
This company called me in XXXX of XXXX and claimed that I have a debt for about {$1800.00} for tuition charges from a school I attended years ago ( prior to being married ). I was unaware of the charges and why I was being charged this amount from them and asked if there was a breakdown that I could be sent. The only & last phone call I received regarding this was in XX/XX/XXXX. I did not receive anything from them since. Today ( XX/XX/XXXX ) my husband received a phone call regarding the account charges and he was called 23 times BACK TO BACK. Our phone automatically blocked the call as a scam likely but they did notify us that they attempted to call with the time and phone number. My husband called the number and were told that they did not contact him but we have proof that they did. The employee continued to deny the phone calls until my husband ( who is a XXXX XXXXXXXX ) told them he would be filing a harassment report against the company. The employee than admitted to contacting him regarding my own personal account and continued to disclose my own personal information and why they were calling ( without my permission ). My husband was not on any of my contact numbers for school back than because I did not know him at the time. we have no idea how they would have gotten his phone number. I know it is illegal for them to disclose any of my personal information to anyone besides me if I don't allow it as well. We would like the company reported for harassment and for disclosing my information without my consent to an uninvolved party. I have attached screen shots of the calls to prove this. Thank you!
06/14/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	OH 45056	Web
I had a Perkins Loan at the University of XXXX XXXX in XXXX, Texas. I am enrolling in college at another university in the fall, 2018 and my admission into the university is on hold due to the University of XXXX XXXX putting a hold on my transcripts. I have spoken with the XXXX contact at this university for several months now who has been rude, condescending, and unprofessional to me in how he has spoken to me, however, he suggested that I do a loan consolidation to pay off the Perkins loan. I did do this loan consolidation and the loan was paid ( approximately {$2800.00} ) except now the XXXX contact says there is still over {$1000.00} that needs to be paid before my transcripts will be released. The XXXX contact says that a Williams & Fudge agency has been contacting me about my loan. I have never received any letters, phone calls or e-mails as far as I can recall about any correspondence with any Williams & Fudge agency and in fact when I did speak to XXXX ( my loan provider ), I was told that my Perkins loan had not defaulted. I have been unemployed and XXXX XXXX and unable to work and that is why the payments were late, but now even after the loan has been paid, University of XXXX XXXX is still unwilling to release my transcripts until I probably have to pay this extra {$1000.00} + I'm guessing as collection fees. Again, I do not recall getting any information from any type of Williams & Fudge agency correspondence and I most certainly do not agree with any additional fees which are 1/3 the cost of the overall balance of my Perkins loan. Best regards, XXXX XXXX XXXX
07/26/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 95117	Web
I went into default on my private students loans when I was given misinformation from the original debt holder of all my student loans, XXXX. I spoke to a XXXX representative during a period of time that I was filing Chapter XXXX bankruptcy and was told to hold off on all my student loan payment until the bankruptcy was completed. My loan payment included both federal and non-federal loans so that information was correct for my federal loans that transitioned back into repayment without any problems, but incorrect for my non-federal private loans that were sent into default. I did not receive any notice about the default until it was already sent to collection agencies. Once I was aware of the misinformation and resulting default I started to pay XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX, that took over my non-federal loans. I was making monthly money order payments to the collection agencies for over two years, however they did not provide me with receipts of payments. When I requested proof of receipt of payments, XXXX XXXX XXXX , XXXX gave me proof, but XXXX XXXX XXXX , XXXX did not provide me with any information. Since I was not sure they were receiving my money order payments I stopped making the monthly payments since I did not know for sure they were being received and credited properly. XXXX XXXX XXXX, XXXX, did not contact me for six months instead they transferred my debt to Williams and Fudge, Inc. The new collection company is now calling and sending me notices demanding payment. Furthermore, they have added unexplained additional charges added to my original debt.
05/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94609	Web
I canceled service with XXXX XXXX XXXX XXXX in XXXX in XXXX XXXX XXXX due to relocating to XXXX. The outstanding equipment was dropped off at the XXXX store on XX/XX/XXXX via tracking number XXXX and was confirmed as received by XXXX in early XXXX. I believed the account to be settled and closed and received no further mail from XXXX regarding a past-due amount. A collection account appeared on my credit report in early XXXX from collection agency Williams & Fudge , Inc. for an outstanding balance from XXXX. I checked the XXXX account and found the equipment had been credited, then re-charged during a billing period of XX/XX/XXXX, XXXX XX/XX/XXXX ( when the account was no longer active ). I found it strange that the collection account was reported before the end of this billing period. I disputed with the credit bureau and the reporting disappeared. In XX/XX/XXXX, the collection appeared again on my credit report. I contacted XXXX directly requesting an explanation and providing the tracking information for the returned equipment. The representative confirmed the equipment was returned and credited and there was no further balance due on the account. The collection account fell off again until XX/XX/XXXX. In early XX/XX/XXXX, XXXX sent an automated email that they have transferred the account to XXXX XXXX XXXX, XXXX to collect the alleged debt. This is the second collection agency they have transferred this erroneous debt, after confirming the equipment was received and there was no further balance owed on the account on their end.
09/17/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 305XX	Web
I am not entirely sure why these people have been harassing every single family member of mine, but they have done it for months. I have sent a complain about this as well. My sister in law just messaged me and said she received yet another call from a " XXXX XXXX '' who is from Williams and Fudge Inc. They apparently told her they had been trying to reach me. Let me just be clear that I have requested this company send me the information through USPS mail and they refused. They shared PERSONAL INFORMATION with people who are not even related to me over the phone as well. I have a minor whose biological father is not to know of our address and apparently that was released as well. These are NOT FTC compliant tactics if these are bill collectors. He told my family member today XX/XX/17 that he got her # by " Doing some research '' and said he knew that they knew me, etc. I would like someone to investigate this person because this is STALKING and HARRASSMENT. EVERY SINGLE PERSON he contacts they ask them to stop calling and he continues to do so with unlawful tactics and keeps sharing my personal information with people who are NOT even related to me. The screenshot provided is just ONE of the many relatives and friends who have called me about this. Not only is it embarrassing, but he has called my employer and shared information as well-and I have NO clue why or who they are, as they will NOT respond with my request that they communicate WITH ME ONLY through USPS mail, for a paper trail, for my benefit as well as theirs.
08/16/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	VA 20170	Web
I briefly attended XXXX XXXX University in XX/XX/XXXX and my tuition was covered by FAFSA grant and XXXX scholarship. For personal/ financial reasons I dropped out and moved back to live with my parents which is when my tuition was sent to collections. I dont understand how I can be expected to pay for tuition when I was going to school with federal grants in the first place. Recently in the beginning of the year of XXXX my collection account was sold to William and Fudge who reached out to me and said I have to make the payment and that theyll give me time to ask my parents to pay and will give me a call back after a week. I never heard back. On XXXX XXXX I sent a letter to XXXX XXXX XXXX stating that I do not claim the ownership of this debt however I would like to pay a lesser amount and settle the debt. It was a pay for delete request. I didnt hear back and it had been a few days. I started stepping away from my desk at work multiple times a day and attempted calling but I never got through to anyone. I also sent a follow up email on XX/XX/XXXX just Incase the first email was missed. It has now been over a month of me trying to settle this debt so it no longer hurts my credit by being on my credit report. I dont know who else Im supposed to contact to get this resolved if the company itself is not responding to me. Im just in my twenties and trying to clean up my credit but the collection amount has gotten me denied with many lenders. Its not that I did not try to work something out, I just received no answer.
06/15/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	CA 92782	Web
I attended XXXX University from XX/XX/XXXX through XX/XX/XXXX. I transferred in the XX/XX/XXXX and and graduated in XXXX from another University. Upon graduating my Federal XXXX Loan from XXXX entered the repayment period and I made the minimum payments. There came a period of economic hardship where I was looking for work and needed deferment/forbearance till I was able to earn so I could continue making payments. I informed XXXX University of my economic hardship status and inability to repay and need to enroll my Federal XXXX Loan into deferment/forbearance status. XXXX University said that the Federal XXXX Loan was not eligible for deferment/forbearance unless I consolidated my student loans. They denied my request for the 'deferment/forbearance request forms ' and continued negative reporting to the credit agencies. During the same time I went through my records and found emails from XXXX University confirming the adjustments of my Federal XXXX Loans balance to {$0.00}. I then contacted XXXX University and XXXX University 's XXXX and informed them I have emails from them confirming that my XXXX Loan Balance is {$0.00}. I disputed this with XXXX and XXXX asking them to validate the debt of {$1500.00} Federal XXXX Loan. In return they forwarded my Federal XXXX Loan to Williams & Fudge collection agency. Williams & Fudge has been charging obscene interest rates of over 50 % on the last balance of {$1200.00}. The balance is now {$1800.00}, when the interest rate on this Federal XXXX Loan is 5 %.
04/11/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32303	Web
I checked my XXXX credit report and noticed my score significantly low. I checked the collections and noticed an account from XXXX and XXXX, a company I have never heard of. They are reporting a debt from XXXX, but i have never received any notice of this debt prior to reporting. According to the Fair Credit Reporting Act, I was supposed to be contacted via postal mail. I have been at the same address and have never received any correspondence from this company about any debt nor did I receive any information on how to dispute said collection account or any options to take care of the debt, if its a valid debt, prior to reporting to XXXX. Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I owe any money to your company. At this time I will also inform you that your office reporting invalidated information to to XXXX constitutes fraud under both Federal and State Laws. Due to this fact, if the traded line found my credit report by your company are not removed, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
10/23/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AR 72032	Web	Servicemember
XX/XX/2023 - Received a text from my Father-in-law that the following number : XXXX called in reference to a " personal matter '' around XXXX pertaining to myself, XXXX XXXX. When my father-in-law asked how Williams & Fudge got his number the caller explained that " [ I ] had put his number down as a reference/contact number '' to which I can confirm that I have never used him, or his number, in any reference capacity. Shortly after receiving this text from my Father-in-law, I called the number in question at XXXX XXXX to which a representative from Williams & Fudge answered the call by stating " Is this XXXX XXXX '' to which XXXX explained yes. The caller informed me after this that she was calling in reference to a debt with the XXXX XXXX XXXX XXXX XXXX and asked how I would like to take care of the balance. I immediately asked for a verification of the debt to which she immediately started asking questions for me to confirm my employer, to confirm the name of my wife and questions about why my email was a different name than " XXXX ''. I verified all information aside from the question in regard to my employer to which she explained, " That is okay I will find out. '' I feel that the caller is using deceptive tactics to collect the debt by giving falsified information regarding the circumstances in which she got my Father-in-law 's number, and by continuing to ask questions not related to the debt after I asked for a letter of verification.
07/24/2017	Yes	Debt collection Private student loan debt	False statements or representation Indicated you were committing crime by not paying debt	NJ 087XX	Web
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
12/06/2021	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	VA 22003	Web	Servicemember
I got admission from the XXXX XXXX XXXX XXXX College of Law. I just found out that Williams and Fudge ( 1st ) made collections illegally and even made false report to credit bureaus to ruin law school student 's life totally. William and Fudge ( 1st ) obviously violated federal law and guideline, XXXX dollars small amount in the law schools ( XXXX, XXXX XXXX XXXX XXXX, XXXX law school and XXXX University law school ) and the medical schools ( XXXX, XXXX etc ). I got traffic incident and according to consumer financial protection bureau case Complaint Number XXXX. XXXX XXXX failed to pay emergency fund to traffic accident 's victim XXXX XXXX and his children. Williams & Fudge did not exercise humanitarian relief for victim XXXX XXXX and his children. lt is XXXX hate discrimination to ruin XXXX XXXX life. XXXXXXXX XXXX failed to provide proper urgent payment to victims within reasonable time. I have visited Doctor of XXXX XXXX ( XXXX ) for treatments over months since this accident caused by XXXX XXXX of XXXX XXXX. Due to this incident, I could not pay XXXX dollars to the XXXX XXXX XXXX College of Law ( of XXXXXXXX XXXX University ). Due to this, I am not able to get transcript and it is hard to register classes for my law degree program ( I study intellectual property laws and patent laws ). US Congress, Senate and US Federal government will investigate whether Williams & Fudge abused XXXX XXXX who is currently law school student.
02/27/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	CA 956XX	Web
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.
06/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30224	Web	Servicemember
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Williams and Fudge, a debt collection agency, regarding an unauthorized disclosure and claim of a debt that I do not owe. I was contacted by the company, and to my astonishment, they appeared to have access to my personal information, the procurement of which remains a mystery to me as I have never willingly or knowingly provided them with such details. It concerns me deeply that my private data is in their possession without my consent. Furthermore, the agency has been attempting to collect a debt they allege I owe. This accusation is false and baseless. To my knowledge, I have not incurred the debt they are asserting, and I have not received any valid proof of this obligation from them, which infringes upon my rights under the Fair Debt Collection Practices Act ( FDCPA ). This experience has caused significant distress and inconvenience as I have been forced to devote my resources to refute a debt that is unjust and fictitious. Given these circumstances, I request the CFPB 's assistance in investigating this matter. The practices employed by Williams and Fudge in this instance seem to infringe upon my consumer rights, and I am deeply concerned about the potential ramifications this could have on my personal and financial wellbeing. Thank you for your time and consideration. I hope for a swift and fair resolution to this matter.
10/03/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Keep getting calls about your loan	VA 23188	Web
Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the XXXX XXXX to XXXX. The class action lawsuit : Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX of Va XXXX XXXX XXXX proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans XXXX in addition to the federal student loans. Loan balances through companies such as XXXX, XXXX, XXXX XXXX and loan companies used for consolidation purposes should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the XXXX v. XXXX case XXXX
01/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78626	Web
Dear Williams & Fudge Inc., WFCORP, WFCARES, Williams and Fudge, or whomsoever may this concern. I am responding to your contact about a debt you are attempting to collect. You contacted me twice by email on the same day ; the first email was received on XX/XX/2019, at XXXX XXXX stating I owed {$5900.00} for an account placed with your office for collections, and again, the same day, XX/XX/2019, at XXXX XXXX, I received a second email for the same account with the amount due {$15000.00}. Both emails identified the debt as having been placed with your office for collections and suggested I contact your office to clear the outstanding debt or use one of the various payment methods provided. Both emails contained disclosures that this was debt collection, and any information obtained would be used for that purpose. As of XX/XX/XXXX, I tried contact your office via the direct number provided for the agent, but have yet to receive a call back. I never received the written notice of my option to dispute this within 5 days of this email contact, which was the first contact I received from your company. Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Thank you for your cooperation. Sincerely,
08/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08619	Web
I recently pulled all three of my consumer reports and saw a company by the name of Williams & Fudge on my consumer reports. I reached out to them via registered mail on XXXX of XXXX to asked them to validate this debt that they are claiming that I owe. On the XXXX of XXXX I received a letter in response to my request to validate the debt which did not contain any document/information to validate the debt as requested per my rights under the FDCPA, 15 USC 1692. This letter appeared to be a student statement from XXXX University Student for {$11000.00} from XX/XX/XXXX to XX/XX/XXXX with a coversheet from Williams & Fudge. This coversheet stated as follow : " Please find enclosed the information requested for the above referenced account ( s ). Should you have any questions you may contact the undersigned directly. XXXX XXXX XXXX XXXX '' The coversheet also stated that : " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' I would like to mention that I have never attended XXXX University in my life, Williams & Fudge is violating my rights a consumer under the FDCPA. My consumer report is tainted due to their error, and they are using language that is offensive. I am requesting that Williams & Fudge immediately correct this error by removing this off of my consumer reports with XXXX, XXXX, and XXXX.
10/09/2023	Yes	Debt collection Federal student loan debt	Communication tactics Used obscene, profane, or other abusive language	FL XXXXX	Web	Servicemember
I called the direct phone number for XXXX XXXX of Williams & Fudge Inc. today at approximately XXXX am today ( XX/XX/2023 ). A gentleman answered the phone and he told me that XXXX XXXX was attending to a personal matter today but he could help me. I asked the gentleman if he could send me in writing that the collection would be removed from my credit report if paid. He told me that he would not and that Williams & Fudge does not report anything about a debt being paid to the credit reporting agencies. He continued to state that they would simply cease sending any further data to the credit reporting agency and Williams & Fudge Inc won't even report that the debt has been paid. The gentleman told me that I would have to take care of the credit report myself. This didn't make any sense ( and I told the gentleman that ), and he told me that he wasn't going to argue with me and was not going to send anything in writing. After that call, I contacted XXXX XXXX XXXX to find out if what he said was true. The XXXX representative explained to me that it is the creditor ( the debt collector ) that is responsible for sending the information about the account if there is a change to the information contained in the credit report. Therefore, the gentleman who answered XXXX XXXX 's direct phone number at XXXX a.m. on XX/XX/2023, either lied to me or just didn't want to deal with me.
06/28/2023	Yes	Debt collection Private student loan debt	False statements or representation Indicated you were committing crime by not paying debt	GA 30126	Web
Williams & Fudge has taken over my private student loan from XXXX XXXX XXXXXXXX for a few years now. They have ALWAYS automatically taken the funds out of my account every month in the amount of {$50.00}. However, I received a letter from them after XXXX XXXX stating that I am in default because I faile to make payments on time as require by the agreement. However, the AGREEMENT was that they pull automatically take out the funds every month! THEY stopped taking the funds out of my account so THEY broke their on agreement! Why did they stop taking funds out of the account every month as per the agreement in the first place?!! Yet they send me this letter trying to portray as though I made manual payments like I missed a payment when that is not the case. They have ALWAYS automatically taken the funs out of my account since theyve had this loan for a few years. They are misrepresenting what really happened as if I stopped making payments and begin on payments when the truth is THEY STOPPED AUTOMATICALLY TAKING YHE FUNDS OUT OF MY ACCOUNT!!! Why did they stop? I never called and requested for payments to be stopped. But they are lying saying I broke the agreement hen THEY BROKE THEIR OWN AGREEMENT. No one told them to stop automatically taking payments out. Why keep starting and stopping payments!! Nothing has changed! If anything changed I wouldve called yall and told yall!!
07/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 08081	Web
William and Fudge , Inc. sent me a text message regarding an amount owed to them. I have no knowledge of this company or who the original debtor is. I reported the message as spam. On XX/XX/23, I received an credit karma notification stating that there was a new account in collections added to my report. In accordance with Section XXXX - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interests or fees except those allowed by the original contract and state law. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Fair Trade Commission and the Better Business Bureau.
04/27/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 01960	Web
On XX/XX/XXXX I was contacted by Williams & Fudge regarding a debt collection attempt. I immediately responded per their instruction to dispute the debt and requested copies of the original debt, a valid basis to collect the debt, information on the incurrence of this debt including prior attempts to collect it, and when it was determined to be delinquent. I also requested a copy of any charges whether interest or fees applied by the original creditor. I also requested verification they are authorized to collect debt in the two relevant states. The company has failed to respond to this request, and has continued to engage in telephone calls to me leaving voicemails and sometimes not. This includes a call on XX/XX/XXXX and today, XX/XX/XXXX. I called back immediately and after listening to music for 2 minutes, the call disconnected. I then called another number and the gentleman, XXXX that called me answered. I began to state that he was not acting in accordance with the FCRA at which point he hung up. I then XXXX the company and called the main line. The woman said she knew who I was and I began to advise her of my response on XX/XX/XXXX and the fact it was not being honored. She started yelling over me " HELLOOOO '' " OH WE ARENT DOING THIS '' and hung up. I will admit I swore at the woman out of frustration as another person was refusing to listen to me state facts.
10/07/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30082	Web	Older American, Servicemember
This is a daily call everyday around the same time of day noon, I have sinced blocked them and sent them a cease and desist letter and a validation lettr of the debt by certified mail and the calls still are coing they are trying to colect on a debt that my wife had a long time ago i thnk it may a student loan but I also fond out that they are not allowed to collect on a student debt. the first time I ansered the call they threatened me with jil for interrupting thier process of collecting on a debt and was very rude. I told them my wife was not here and not at this number and the lady caled me a lair and said she was ther and to put her on the pone. that is when i hung up and blocked them I am on the do not call list but this group still gets through it everyday. The group is XXXX and XXXX XXXX and the the info information show XXXX Ga but their main office is in XXXX XXXX SC and XXXX XXXX is the CEO XXXX XXXX XXXX. I have given them my wife 's number but they want call her they keep calling me and if I had a debt that they were collecting then they should tell me what it is. I want the calls to stop and I have asked them to send it in writing for the debt and the lady said she didn't have to do that. I mailed the letter yesterday and the post office was asking for a secondary adress which I can't find soit may go for nothing and be a bad address.
02/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35613	Web
I attended XXXX XXXX XXXX from Fall of XXXX to spring or XXXX. I waited all XXXX for my diploma in the mail, but I never received. I visited on campus to get a replacement and was told I owed {$25.00} dollars for the diploma and a certificate. I have the statement to prove that I paid the {$25.00}. I never visited or attended the college again. A few days ago I got a credit report discrepancy from Williams and Fudge for a {$25.00} dollar charge from XXXX XXXX XXXX. I called their business department several times and no one picked up so I went on campus to discuss. They were confused by the charges and needed to speak to the lady that put the charges on my account. I got a call back that the extra charge was for the certificate. The issue I have is that they did not properly disclose that this was an extra charge and only told me that I owed {$25.00} dollars for the diploma and the certificate. They then put the charge on my account the next day. I was never notified of this being added to my account and never received a bill in the mail for this charge. Now, 6 years later they have sent to Williams and Fudge and my credit score has been knocked down almost XXXX points. I do not feel that this should be on my credit report because I was not billed correctly the day that I visited the campus, and I was never notified of owing this for years.
02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 319XX	Web
XXXX XXXX XXXX XXXX {$140.00} There is no contract, no valid claim ... account was settled with original creditor by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
10/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web
I received a notice from Williams and Fudge 2 months ago. I responded withing the 30 day deadline denying the debt. In addition i sent them a certified letter. They are claiming that i owe XXXX XXXX XXXX dollars. Not true. I did apply to the school and was accepted admission. I did send them my XXXX form ( nothing confirming my signature or release of student aid ) but i informed the college/my admission rep that i decided to attend another school that was more reasonable and a better fit for me. It is not my fault that the person there did not due their job they were informed well in advanced. In addition i did not release my financial aid to that school or sign anything stating that i will be an official student. I went with the other school and signed their documentation and started at another university. State law is that you can not get financial aid at two school so that's how i know i did not move forward with them and this charge is bogus. I requested documentation, Williams & Fudge sent me a pending/ outline of possible tuition charges if i were to attend but i did not. They do not have anything with my official signature because i don't owe them or their " client ''. They are not lawyers they are just looking to get money out of me that i do not owe. They are reporting false/inaccurate information on my credit report.
11/18/2020	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85014	Web
This company called my cell at dinner time asking if i knew how to contact a random person. They did not introduce themselves as the company they were calling from nor did they say that it was an attempt to collect a debt. They said the calls were recorded and asked if if I was myself and I responded yes. I was asked to give them my name again and then he immediately asked for a phone number so that they could reach this other person. When i tried asking who he was he did not want to give me any details about the company or why he was calling. I called back several times to try and get a different agent on the phone to find out more, as it seemed like a scam, but each time the call connected to the same guy. When i called again to ask how he could have possibly gotten my information, the guy says it was public information that I was married to this person. I have never been married in my life. I told them to stop calling people who did not offer their contact information to avoid this creepy situation and he says he can call anybody he wants to. He also stated he had 2 other ladies to call with my same name to try to track down this other person. Unfortunately, wont know thats the reason until its too late Im sure. The technique of collecting peoples information from other people in order to collect a debt does not seem moral.
03/23/2023	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	CO 80909	Web
On XX/XX/23 at XXXX I contacted a debt collection company to discuss a {$330.00} balance I have with XXXX XXXX XXXX XXXX XXXX Before I contacted this debt company, I contacted my college. XXXX stated I should complete a tuition appeal form, since my issue is due to federal student loans coming in late, and they may be able to push the balance to be covered by financial aid awards. I was contacting Williams and Fudge to let them know what I was going to do about the outstanding debt. Again, I contacted them for help with a solution. The first representative was very rude and raised her voice at me. She told me what I was trying to do did not make sense, even though it is my right to dispute. She chastised me, said that I was going back and forth. I waited 10 minutes for a supervisor. She said " Well you didn't like what MY representative told you. '' Her representative? Clearly there are teams being played, and obviously I am not on theirs. I did not feel comfortable giving my address, so the supervisor said, " It's ok, you told me you received our letter, so we already have your information correct. '' She said it in a malicious threatening tone as if to say, fine don't give us your personal info, we already have it anyway! XXXX spoken with was XXXX or XXXX XXXX, told me she does not have an employee I.D . number
05/22/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	SC 29640	Web
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. Thank you
10/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	VA XXXXX	Web
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.
03/23/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	PA 182XX	Web	Servicemember
A collector from Williams & Fudge by the name of XXXX XXXX calling most recently from the number XXXX XXXX XXXX XXXX has repeatedly called my phone with nonsense tactics including asking questions and then attempting to formulate answers prior to giving me time to respond or constantly interrupting me while I am attempting to respond. Additionally, I have told this collector on multiple occasions that I work XXXX - XXXX overnights please to not call in the in the morning hours as I am sleeping which is when he consistently calls. I have spoken with him about his nonsense tactics and stated that I would like transcripts and/or recordings of the calls that are recorded ; once he said he would work on that and then the most recent call he said there is no way that is going to happen. I informed him that if he is unwilling to provide those which he undoubtedly knows will prove his harassing and wildly unconventional techniques not to bother calling me. I will not deal with this collection agency while they continue to refuse professional courtesies and until I receive copies of the recordings they have which will be used to prove their antics and violations of section 806 of the Fair Debt Collection Practices Act. Any assistance you can provide in this matter would be greatly appreciated.
12/28/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27520	Web
I was contacted by Williams and Fudge Inc about a debt that I owed to XXXX University. I was told that I could settle the debt of XXXX for half XXXX. I made a payment of 2000.00 on XX/XX/XXXX and it was processed on the XX/XX/XXXX. I made the additional payment of XXXX on the XX/XX/XXXX and it was processed on the XX/XX/XXXX. I was told that I would receive a written statement that my account had been settled. Today on XX/XX/XXXX I was told that the second payment of XXXX was not received and it was returned and I would have to pay it again. I reached out to the bank the card was from and they provided me with documentation showing that they still had the payment and it was not returned. When I spoke with the company the person I spoke with did not give me any reliable information, she told me that she saw I spoke with a person and made the payment for the remaining balance but it was not there and she didn't tell me who to speak with or explain to me how or what happened. The only thing she told me was I would have to pay the additional amount for it to be settled. I have attached the account balance showing the XXXX I paid from there site, the XXXX payment from my bank when it was made and when it was posted, along with the original email when the settlement was established.
03/13/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	NC 28210	Web
on XX/XX/2019 a company called William and Fudge called me from a North Carolina number. They stated I had a federal Perkins loans that had been transferred to their office. Prior to this I had never heard of the company or received anything from the original loan provider XXXX XXXX XXXX , XXXX . When I spoke with the company they confirmed that they never sent anything out. I requested a be mailed something that verify who this company is and that the account had been transferred to them before giving them my personal information. They stated they wanted to add this to a loan set up I already have with another Student loan provider. They wanted me to give them the information to that company so they could add this amount. I never received anything that verified the company. On XX/XX/19 I received an email from a ( XXXX ) only when opening the email does it say William and Fudge. Once again this letter doesn't make any reference to the original company or that account number nor did it state any information validating the company. In fact it looked like a logo was copy and pasted into the email and then they typed below. Additionally the number listed in the email does not match the number they call from. When you call the number back they don't answer with a company name.
11/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	KS 66502	Web	Servicemember
I can not believe that I am dealing with this again. Today I received a push notification that my credit file had a change. I found a collection account in the amount of {$170.00}. I knew it sounded familiar. Soon I found out that the customer of the collection agency is XXXX XXXX. I used to have internet and cable with XXXX. When I switched to a company who actually provides the services that I pay for, my XXXX account was paid in full. In XXXX of 2021 I had the same thing happen to me. I was never notified by XXXX, nor by XXXX XXXX XXXX of a debt, yet I received a collection account on my credit files. I repeatedly attempted to deal with them to no avail. I then filed a complaint with your agency and you made them remove the collection account from my file. Now the same false debt from XXXX is on my files as a collection account with a different collection agency- Williams and Fudge I. How does this debt continue to haunt me when I owe XXXX nothing? Will you please make Williams and Fudge I remove the false collection account from my credit files? Will you please make XXXX XXXX stop harassing me? I am including my complaint and resolution from earlier this year. I thank you for defending me and I appreciate the service you have already provided to me.
09/22/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	NE 68701	Web
They have continued to remove and add something into collections on my credit for over 6 months. When I have proof that it should be a balance if {$0.00}. I attended XXXX back in 2012 which put me at $ XXXX in student loans with them. I dropped out after my first year. They later got into a big lawsuit and I received a letter from XXXX which owns XXXX stating that because of the timeframe I attended and dropped out that my student loans are now at a {$0.00} balance and should be whipped off my credit within 4 months. However Williams Fudge had them in collections and after receiving the letter they were removed from my collection within two months. I was extremely happy. However for the past 3 months XXXX has continued to add it on my credit score and remove it only from XXXX tho. I called Williams Fudge and explained the situation and emailed them the letter I have. They said they would look into it that was two months ago. So last month I decided to dispute the collection with XXXX sending them the letter that I received form XXXX. It 's supposed to be completed XXXX XXXX. However Now it is showing on XXXX twice for $ XXXX each.. I 'm getting very upset about this and its effecting me and my wife 's chance of buying a house
04/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 431XX	Web
I submitted documenetation to the company in XXXX of XXXX showing that the debt was not owed as well as I filed a claim with cfpb. The debt was removed from by credit bureau and I did not receive any further phone calls or billing statements from the XXXX XXXX XXXX until XX/XX/XXXX 2 years later. The tutition amount of XXXX was for a course that I dropped with XXXX XXXX and did not attend or sign into/or have access too. I tried to resolved the issue with XXXX in XX/XX/XXXX when I dropped the course due to my workload and unable to attend, but they would not comply and sent the amount to collections. I appealed the amount in XXXX with the orginal debit collection company and it was removed, but 2 years later I am receiving the same letters and calls multiple times. As of XX/XX/XXXX the sect has now changed to another agency, Williams and Fudge but I never received follow up from the previous agencies. The agency has submitted the debt as a collection to my credit report with sending me any documents or allow me to dispute the charges. I received the 1st letter in XXXX after I disputed the dent in my credit report. I have mailed and emailed a dispute letter with all of the previous correspondence to Williams & Fudge on XXXX XXXX
11/25/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	AL XXXXX	Web
I have been repeatedly contacted on my cellular telephone by Williams and Fudge, Inc ( XXXX XXXX ). During the initial telephone call, which was made on XXXX/XXXX/15 XXXX by XXXX XXXX, a Williams and Fudge , Inc employee, I repeatedly asked if this was a collection call and was told that this information would not be revealed. XXXX XXXX informed me that she would not provide me with any information unless I provided both my birth date and social security number. I believe this to be a FDCPA violation, as Williams and Fudge, Inc was specifically asked if they were a debt collector and refused to answer this question. I informed XXXX XXXX that I did not owe any debts and that if this call was a collection call, it was in error. I was told " this is n't going away ''. On XXXX/XXXX/15, I received a letter from Williams and Fudge , Inc alleging that I owed a debt. On XXXX/XXXX/15 XXXX, I received another phone call from Williams and Fudge, Inc. The caller hung up the call as soon as I answered. This call was recorded. I believe that these repeated contacts with me on my cellular telephone were harassing and violate the FDCPA. I do not owe any debts and will not be engaging in any further discussions with Williams and Fudge, Inc.
09/22/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	NC 281XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX Date : XX/XX/2022 RE : IN REGARDS TO THE FOLLOWING ACCOUNT WILLIAMS AND FUDGE XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Amount Listed on Credit Report : Dear : XXXX I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$140.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. Sincerely, XXXX XXXX
11/10/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NM 88001	Web
A letter dated XX/XX/2019 was received from debt collector Williams & Fudge on an account receivable by XXXX XXXX XXXX University. A payment plan negotiated with XXXX has been faithfully paid to on the account. XXXX never reached out to alert that there was any sort of problem, or that the debt was going out for collections. This is not a student loan, but is instead funds owed directly to XXXX for tuition after a scholarship had been retracted for insufficient GPA. No signed agreement was made outlying or accepting terms on a debt. Williams & Fudge has tacked on a 33 % fee on the account, the origin and acceptance of that specific fee as a penalty can not be determined. Neither notification of rights under state law nor a statement of their terms was provided, including a clause for time-barred debt and the significance on paying a time-barred debt. A statement of enforcability in a lawsuit was also not provided as is required by law per the NM Attorney General. I request that CFBP investigate the situation, the source, amount and legality of the debt collector fee, and compliance with federal and state law including FDCPA, NMCARA, New Mexico Unfair Practices Act, and NMSA 1978 Section 37-1-1 et seq.
05/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 363XX	Web	Servicemember
XX/XX/2021 I received an Email from XXXX XXXX of Williams & Fudge , Inc . This notified me of a debt from a school I previously attended ( which hadn't explained this debt to me either when I asked about it previously either ), it said if I disputed it or requested validation from their office " in writing '' within 30 days, they would validate and send me something verifying the debt. I responded to the email the same day and asked for them to show me where the debt came from, as I don't understand how I owed the school or now this debt collector since I was told my loans were covering my school costs in total. The office has yet to respond to my email, I sent another email XX/XX/2021 when a collections was reported on my credit report, to ask where my " copy of judgment '' was that they said they'd send if I requested validation. I read online that I have a right to recieve documentation/documents that validate my debts within 30 days of requesting it. Haven't gotten it, and I want this debt written off since this company is violating my rights as a consumer. I dont know how to approach the company about this, as I figure they wouldn't be interested in admitting errors and writing away my debt.
03/03/2023	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	MD 20748	Web
I have a debt with with Williams and Fudge ( the collector ), the original creditor is XXXX University. I set up a payment plan for XXXX, per pay period since the new rep XXXX XXXX said i couldnt continue to do XXXX per month like the previous rep XXXX XXXX said. This additional XXXX was agreed to by the new Williams and FudgeXXXX. XXXX informed me if i needed the payment stopped to call/email her. i sent an email to stop a payment and to take 2 payments on XXXX ( she agreed to this ) ; her company took the money out of my account anyway. I spoke with XXXX XXXX and she said she would refund it. She then leaves a message saying she not refunding it. I email her and informed her I will be paying online from now on. I get an email from the manager saying i cant make my payment online and if i pay online the whole balance is due. Thats a false statement as I have made payments online previously for years. I told them they can no longer auto debit my card and they got mad.Williams and Fudge are now lying and using unfair practices to collect a debt. I included the emails. I will not under any circumstances allow Williams and Fudge to auto debit anything and have advised my bank of the issues.
04/28/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	TX 75093	Web
I had a private student loan for the appx amount of XXXX dollars with XXXX XXXX XXXX in XXXX. The loan was sold to Williams & Fudge , Inc when I was not able to come up with a payment plan. XX/XX/XXXX I found employment and made a payment plan with Williams & Fudge to pay {$60.00} every 2 weeks for a total of {$120.00} per month. I paid this amount for the remainder of XX/XX/XXXX all of XX/XX/XXXX, XX/XX/XXXX and thru XXXX XXXX. I requested an interest statement from Williams and Fudge in XX/XX/XXXX to file my taxes they referred me to XXXX XXXX XXXX, I called them and they said when they sell a loan to a third party collector there are is no longer interest on the loan. I called Williams and Fudge back and asked why after 3 years of payments my balance was not going down they said due to the interest and additional fees. I immediately stopped the semi monthly draft and would like this to be investigated. I will never get the loan paid off and can not afford to pay the {$1000.00} per month that they are telling is required to reduce the balance. I recently received an interest statement from them showing that I paid interest on this school loan. It is all very confusing.
08/30/2023	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	DC 20002	Web
William 's and Fudge used tactics that they know would be inconvenient and embarassing to the debtor ( me ). I owe about {$2000.00} from a Perkins student loan ( given to low-income students ). I currently work as XXXX XXXX for the XXXX XXXX XXXX. To collect this debt, Williams and Fudge called the office for a Member of Congress, spoke to a congressional intern, and left a message with the intern to have me call Williams and Fudge. Later in the day, the intern asked me " what that was about ''. Any reasonable debt collector would know that this is embarassing and could damage my professional reputation. This came after Williams and Fudge made several phone calls to my family and friends asking to get in contact with me on an urgent financial matter. Williams and Fudge of course had all my contact information. While I'm certainly at fault to some degree for letting the loans go into default, 2022 was a difficult year for me. I was diagnosed with XXXX XXXX in XX/XX/2022, had successful XXXX, and spent the last half of the year recovering. I let some bills slip by that I shouldn't have -- -but the tactics used here for a PERKINS loan are just really unacceptable.
01/07/2023	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 105XX	Web
XXXX XXXX is attempting to collect {$XXXX} through William and Fudge Inc. Collection agency and has fraudulently and erroneously reported a collection of {$XXXX} as owed for educational services never rendered or provided. I was notified of acceptance into XXXXXXXX XXXX 's program and informed the school in ample time that I was unable to complete their educational program due to XXXX illness and unemployment as a result of XXXX. However, XXXXXXXX XXXX continued to ignore my notification to the required parties and is fraudulently trying to collect {$XXXX} plus additional fees and interest for a service that was never provided and has reported a collection on all XXXX credit bureaus for a debt never owed in violation of the Fair Credit Reporting Act despite notification of my withdrawal from their program and no receipt of any educational services as claimed by XXXX XXXX Despite notification that this debt was erroneously charged XXXX XXXX has ignored my notifications and seeking to a collect a debt that is not owed. Additionally, this collection is adversely affecting my credit and impacting my ability to secure affordable housing and other financial assistance.
05/24/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MI 482XX	Web
I have been trying to get this debt paid. I owe XXXX approx 10,000 $ for tuition and a Perkins loan. I tried to find a way to pay them and made several payments. They knew I was struggling. I contacted them several times about it. They gave my information to Williams and Fudge, who told me that I owe XXXX. I told them this was the wrong amount and they continued to call me, email me, all hours. They called my family. They told me that I signed the note and that the interest is being compounded DAILY. They threatened me. All I want is to get on a payment plan to reasonably pay back the amount I borrowed. But XXXX in fees is insane. XXXX also won't give me my transcripts so I can find a job in my field until the total amount is paid. I don't know what to do. They tried to force me to consolidate my loan and begin payments right away, even though my loans are in forbearance. The PDF with my name on it was filled out by them. They have my address wrong, because THEY filled it out, not me. without my knowledge. I have asked over and over for an itemized receipt for the exorbitant fees. They said that is what XXXX handed over to them. THIS WAS A COMPLETE LIE.
07/23/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 76549	Web	Servicemember
Was lied to about the payment and what the payment was. Harassing calls XXXX-XXXX -XXXX+ collection calls. Family members began to complain about the harassing calls that came from this company. XX/XX/XXXX I began to answer calls from this company about my debt. Talking with this company I was told that the payment they wanted was a settlement for my account. I talked to Williams and Fudge XX/XX/XXXX about settling my debt and what they would do to my account. They told me since it's a settlement it will clear my account and it would be off. On XX/XX/XXXX I made the payment and was told the payment would post to my account in 20 days and I would receive receipts via email I never got. XX/XX/XXXX more than 20 days after I payed my settlement my account has not been cleared. Instead of it being a settlement like I was told they used it as a payment towards my debt. When I called Williams and fudge on XX/XX/XXXX they said that it was a miscommunication and that it was not their fault my family and I received calls at XXXX-XXXX. when I waited for the time they told me it would take said I waited too long to call and was treated like I was the one at fault
06/15/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55122	Web
I received XXXX calls from Williams & Fudge asking about XXXX separate people and do I have a way to contact them. When I asked what the call is about, I am told it is a personal matter and my number was given as a personal and emergency contact. I was further told that they could not disclose their business model or the nature of the business because it would violate Federal Law. I asked that they remove my number from their system, yet I got a XXXX call from them asking about a different person. The caller XXXX times goes by the name XXXX XXXX. He claims he has never spoken to me after I reminded him he had earlier in the day. He also contacted my son this morning about a contact he does not have. I asked XXXX XXXX to identify what the company does and he refused. I was told to call the company and they would be happy to disclose what there business is. I have contacted them and all they will say is " we work with colleges '' and nothing else would be shared. I have gotten calls from the same company at my home, but when I do not know the number, I do not answer it. I do know they called my youngest son today and he got the same treatment.
02/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 495XX	Web
Dear Consumer, Financial Protection Bureau, I am writing to file a complaint against Williams and Fudge, a debt collection agency. On XX/XX/2022, I received a phone call from Williams and XXXX, during which they informed me that I did not owe any debt but requested my social security number. A few days later, on XX/XX/2022, Williams and Fudge called me again and claimed that I owed {$5000.00} in debt. In response to these calls, on XX/XX/2022, I sent a certified letter to Williams and Fudge denying the debt and requesting verification that the debt is mine. I also requested that they cease all communication with me regarding this debt. Despite my request, I have yet to receive verification that the debt is mine. Williams and Fudge has continued to contact me, causing undue stress and harassment. I believe that Williams and Fudge is in violation of the Fair Debt Collection Practices Act, which requires debt collectors to provide verification of debt when requested. I am therefore filing a complaint with your agency and requesting that you investigate this matter. I appreciate your attention to this issue and look forward to a resolution.
10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 281XX	Web
15 U.S. Code 1681 - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Williams & Fudge XXXX Inc. wrote the below statement on my last complaint and have yet ceased from reporting to all three credit bureaus! XXXX XXXX XXXX, stated The account was satisfied in full on XX/XX/2022 At that point, the account was closed on XX/XX/2022 and returned to the client as such. Upon closing the account as paid in full, XXXX ceased acting as a data furnisher and updated the credit reporting agencies to remove the previously reported information associated with this account. Should the consumer have additional questions, they are encouraged to reach out to XXXX XXXX XXXX, who is Williams & Fudge , Inc. Ombudsman. He is available and may be reached via phone XXXX, or by email XXXX.
04/30/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	FL 333XX	Web
I was initially contacted by representatives from Williams & Fudge in early 2019 who attempted to collect a debt that I did not owe. Despite not providing appropriate and authentic debt verification when requested as well as ignoring numerous documentation and attachments I provided that indicated the debt they were attempting to collect was not mine, they persistently harassed me and continuously contacted me trying to collect it with no evidence. After repeatedly telling there representatives to stop contacting me since there was no active proof that this debt was authentically mine, I was pushed to the point of seeking legal action for the continuous harassment. Once I had mentioned the legal threats, they finally seemed to understand that this debt isn't mine and stopped contacting me about it. For whatever reason, they recently seemed to try to send an email which appeared as spam in which they said that if they don't hear from me, they will assume the debt is mine. This is absurd and obviously a malicious tactic as I already indicated dozens of times previously that the debt they are attempting to collect is not mine.
12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 28027	Web	Servicemember
I would like to file a formal complaint against The XXXX. I had a balance owed at the end of the XXXX semester. A large portion of the balance owed was in a single line item entitled " QM-Unif BKS Supply Deposit ''. I requested a detailed accounting of that line item from The XXXX on a number of occasions and it was never provided. My mother made a similar request and made it clear to XXXX XXXX that I would not pay the balance without a detailed proof of debt. As a result, the matter was referred to a collection agency - Williams & Fudge. We worked with XXXX at Williams & Fudge and received the Proof of Debt on XX/XX/XXXX and immediately remitted payment to XXXX XXXX for the full balance owed. Now I have received an invoice for {$520.00} from Williams & Fudge for collections costs for which I do not believe I am responsible. If The XXXX had provided the Proof of Debt when requested, the matter would not have been sent to a collection agency in the first place. I believe The XXXX takes advantage of young college students and does not afford them the rights they are entitled to because they are young and inexperienced.
02/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85730	Web
I had a XXXX XXXX account from XX/XX/XXXX to XX/XX/XXXX. I paid my last bill on XX/XX/XXXX. And for some reason, XXXX would not provide me with a closing invoice. I made several requests since my disconnection in XXXX with no success. Within a few short weeks ( 15 days or so ), XXXX hired Williams & Fudge by XX/XX/XXXX ( according to the XXXX invoice, Williams & Fudge mailed to me ). The Invoice is not correct and did not have the charge details or closing statement information. I have paid XXXX twice and Williams & Fudge refused to use my checking account activities, as proof of payment. So, Williams & Fudge reported my XXXX account to the credit bureaus, on more then one occasion. I wrote a certified letter to Williams & Fudge on XX/XX/XXXX ; asking them to remove the collection item off of my reports, according to the Fair Debt Collections Practices Act. They removed all of the negative reporting within 30 days of the certified letter. But, I was notified in XX/XX/XXXX that Williams & Fudge placed the XXXX collection back on my XXXX report. Even when the XXXX account was paid in full.
09/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23322	Web
I am writing this through the CFPB so there is record of this communication. I am claiming this debt is not one I owe and I will go to court over this appears on my credit, I am already taking the credit agiencies and XXXX companies to court and I doubt my lawyer will turn down adding XXXX more company. There are XXXX reasons I do not owe XXXX XXXX XXXX any money, the first reason is that I withdrew from the college within the time frame allowed to cancel a contract making it void and the second reason is that XXXX XXXX XXXX never informed me that they were closing schools down due to lawsuits and even under investigation for the same degrees they offered at this school. Is it not the duty of an institution like a for profit college when they are closing schools for a degree I was going to attempt. I never received a single bill from XXXX XXXX XXXX notifying me that I owed anything or I would have tried to deal with them but now I am dealing with you since you are representing them. I will have no give in this issue, drop it for the reasons stated or we go to court.
04/27/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	GA 30058	Web
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!
10/19/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	SC 299XX	Web	Servicemember
I attended XXXX University almost 10 years ago. My students loans were taken out in my name by my mother and not by myself. I did n't know about these loans or agree to them. I found out about the loans after she passed away and now they want to make me responsible for them. 3 years ago I joined the United States XXXX and am trying to go back to school while I serve as a XXXX. I contacted XXXX University to request my transcripts be sent to my new school. They say that they cant release my transcripts until I pay them {$1500.00} which is not possible at this time. I even asked if I could start a payment plan and I was told it had to be paid in full. I even stated that these transcripts are for military purposes and they still refuse to help and send the transcript. They say that they greatly appreciate what our service members do for this country and love helping out, yet they want me to pay {$1500.00} for a {$6.00} transcript and all this is so that I can do the right thing and continue my education to obtain a degree and become an officer in the XXXX
11/28/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	FL 32086	Web
XXXX XXXX of Williams and fudge law firm. Contacted my place of employment. I hve never given them this information or permission to contact me there I dont even know how they got the Information. I have talked with them about proof of debt and what they provided did not convince me of the debt and I do not agree with it the school they represent us trying to collect a debt on classes I did not take after I left school and has not provided a clear receipt of debt owed I told them I dont agree with it and will contact the school to sort it out I got an email from the school saying ignore it and forwarded the email to Williams and fudge I do not know why they are trying to collect I havent heard from them in over two months and now they just randomly call my place of employment. At this point I wish to not be contacted by them any more it is very unprofessional and is harassment why they have done. They clearly went out of there way to find my place of employment d call them without my permission or asking me or getting that information from me.
08/25/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	CA 93955	Web	Servicemember
I attended XXXX University trying to earn my XXXX degree in XXXX with my last registered class XX/XX/XXXX. I became unable to work XX/XX/XXXX. XX/XX/XXXX, Social Security formally approved my permanent XXXX. I am unable to work, unable to complete my XXXX, and unable to pay for the school loans. XXXX approved the attendance and financing. I was unaware that I reached individual federal maximum loan amounts. XXXX began sending me late payment notices. I contacted XXXX finance dept, explained what was happening with my health and medical XXXX. To this day, I have requested assistance due to my inability to pay to Williams & Fudge. XXXX approved the XXXX XX/XX/XXXX and i am no longer paying on my federal student loans. Can you help facilitate the conversation? The reps I 've worked with have become rude and after explaining my situation, I was not heard and told to pay no matter what. I informed them that I am mentally XXXX and that they were talking loudly and rudely. I have not picked up their calls since and now reaching out to you.
09/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23112	Web
In XXXX of this year XXXX I received a call from XXXX XXXX XXXX about a debt of {$2300.00} from XXXX University. I had graduated XXXX University in XXXX so I was confused to say the least and they told me I had an account balance of {$2300.00}. I explained to them that my employer paid XXXX University directly and there had never been an issue in the years I attended. I was then placed on hold and when the person returned, I was told they see the mistake and it has been taken care of and that if anything further were needed from me, they would contact me. I never heard back from them, so I believed it had been corrected. Then last week XX/XX/XXXX I received a credit alert that a collection was placed on my account from XXXX XXXX XXXX for {$2300.00} I have disputed this debt, but it has caused a major impact on my credit score. Three years after I graduated this appears out of the blue, this is not my debt, and when I spoke with the representative from XXXX XXXX XXXX it was acknowledged and I was told it was being corrected.
07/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30043	Web
William and Fudge is a collection agency that works for XXXX XXXX. I agreed to a payment plan with the Williams and Fudge collection agency to prevent any negative remarks from being reported to Credit Bureaus. The Williams and Fudge collection agency received my payment and then reneged on our agreement. I spoke to several rude and incompetent supervisors that work for this collection agency. XXXX XXXX was the main supervisor that was extremely unprofessional and rude. XXXX XXXX is the supervisor that reported the negative remarks on my credit report. I contacted XXXX XXXX directly and resolved this matter by paying the {$670.00} in full. The XXXXXXXX tech business office assured me that everything would be taking care of and the negative remark on my credit would be removed from my credit report. I received an email from the XXXX XXXX business office stating that the William and Fudge collection agency informed them that the removing of the negative items on my credit report would take 2-3 months to remove. Unacceptable!!!
09/25/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	CA 91354	Web
I was enrolled for school at XXXX University. At the beginning of the start date I became ill, and was hospitalized. I also had to deal with a XXXX after arriving home. I did n't even start in the school start. I never used their services, did n't get any books, did n't even log on. Their campus logs show that. I explained to student enrollment I was unable to get to a phone during their small window of cancellation sue to being hospitalized. They did n't care, did n't offer nay alternative or ask for proof. because this is a for profit school they did any and everything they could to get almost {$3000.00} from me. I did n't get a service from them. and AGAIN I never logged into their system to start the online courses. I told them I did n't have a job, I am on welfare and the financial aid was the only way I was paying for school. they stated they will continue to call me and ask for me to pay for {$3000.00} knowing I had no way to pay for it. Furthermore, did n't even listen to my valid point that i do not owe this debt.
04/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48213	Web
I received a credit alert that stated I have a account in collections from Williams and fudge company. I received no notification from this company or the college they are listing on my credit report. I have not received a bill, debt letter, notification of an account being sold to a debt collector anything. I had federal student aid which covered my courses while attending courses so I was not obligated to pay any out of pocket fees. I have not signed any contracts acknowledging this debit or taken responsibility because my first time even knowing about it was when it was posted to my credit file causing my score to drop. The debit collector and XXXX XXXX college has failed to provide me any proof or knowledge of this so called debit, they have failed to contact me by phone, email or us mail with any claims that I owe a debit. This debit was not verified and there is no contract with my signature. Under the FDCPA law I am requesting proof and some form of contractual obligation that is binding me to pay you this debit
12/22/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ME 04330	Web
For the past several weeks I have been receiving telephone calls from ( XXXX XXXX XXXX ) XXXX XXXX XXXX followed by a few various numbers. Today I returned a call to XXXX. Each time they answered with " Hi, this is ( stated their name ) on a recorded line. '' After that I would say " Hi, what company are you with? '' At this point their responses would vary from either hanging up on me immediately or saying " Hello, if you're not going to say anything please hang up the phone. '' This went on for at least XXXX calls, they continued to ignire my request for their name. I know they heard me ask the question because I would hear a small sigh when I asked who they were and I could hear background noise from their side of the call. Using a free service, I was able to find the company is Williams & Fudge in Massachusetts. I have screenshots if every call. I will be calling back every one of the numbers they called me from tomorrow to check if they refuse to give their information at every number they have called me from.
12/15/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IA 525XX	Web	Servicemember
In the state of Iowa, debt collectors are restored by law to state, " This is an attempt to collect a debt. Any information collected may be used for that purpose. '' This caller, Williams and Fudge, initially contacted me on XXXX/XXXX/XXXX, and did not state that legally obligated statement. Instead, they acted like they could not hear me and repeatedly asked if I was a certain person. I answered yes, and they immediately hung up. What has followed has been months of phone calls from spoofed local numbers ( including my own number calling me ), from Williams and Fudge : Dates and number of calls : XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 7 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 1 They have now added a relatively small collection amount to my credit report without ever having notified me that such a debt was owed. I believe my rights have been violated by Williams and Fudge.
08/07/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30318	Web	Servicemember
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.
09/02/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19151	Web
The debt collection company called me during the first week of XXXX about a debt that was originally from XXXX University. I contacted The University for more information on the debt on my account. I was told that if you dont pay in a certain amounts of months they will sale the debt to a debt collector. I had no idea I had debt in that amount because it is inaccurate. The amount on the bill is not accurate because I applied for financial aid that semester and everything processed but the school scammed me and emailed me fake Award Letter. I contacted to school to for more information but the school is giving me false accusations so insisted on taking legal actions. Now the debt collector has been calling me & harassing me to pay debt that is not the accurate amount. They called me on XX/XX/XXXX at XXXX then XX/XX/XXXX at XXXX, and also on the today at XXXX. The amount on the debt is XXXX and the arrangement plan was for {$50.00} a month. However I have to make a dispute because the amount is not accurate.
10/05/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	PA 188XX	Web
I ( a potential student ) went around to different schools looking to see which one fit my interest. I had showed up to XXXX XXXX on admissions day to see the campus, and was showed how to join classes online by a lady that worked there. I had left the school relalizing that it was not the school I would want to attend. A few months go by and now I am getting a charge in the mail saying that I own XXXX XXXX {$3600.00}. While attending admissions day, the lady who was showing me the online signup must have accidently signed me up for classes for which I did not ask her to do, and made it clear I was just looking at schools and what classes they offered. I have sent appeals and several complaints to the school for this issue but they denied them all and said that it isn't their problem. They sent the debt to a collections agency XXXX Williams & Fudge , Inc ) and as of XX/XX/XXXX, I owe them {$3600.00}. I do not have the money to pay them for a mistake they made and do not want to admit they made one.
01/11/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33012	Web
I was attending a university and when I needed to withdraw from a course was shifted from full time to part time status causing my expenses to increase. However, this occurred after disbursements for the semester. The University contacted me in XX/XX/XXXX and I attempted to set up a payment plan with the university and they were agreeable. However when I attempted to make the payment I was told I had already been turned into collections. Apparently, the person I had spoken with failed to notate my account. The debt to the school was {$940.00}. Upon trying to pay the collection agency I was turned into they said they will require {$1200.00} to absolve the debt. Today XX/XX/XXXX, I had an advocate call and attempt to settle with the company, they are are still unwilling to accept anything less than {$1200.00}. This is an outrageous increase- one third of the principal debt. However, when I contacted the school they said they are unable to assist in any way, the debt has been transferred.
06/26/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	DC 20017	Web	Servicemember
I received a collection notice from a company in South Carolina earlier this month stating I owed over {$22000.00}. I called the company and was told this was for year XXXX for a balance due to XXXX XXXX. I let them know I did not owe XXXX any money when I left the school 27 years ago and have received no bills or notifications. The collection company told me XXXX sent a bill in XXXX. I sent both the University and the collection company letters to validate the debt. XXXX sent paperwork for a loan in XXXX. According to my student loan account 3 loans have been paid off and were for that year. Under Fair Debt Collection practices, it seems unfair to send a bill 27 years later for something that has been paid. I am not in default according to the Student Loan Financing Company who handles my loans today. My transcripts have never had an issue being released all of this time and I do not owe this money. I never emailed XXXXXXXX XXXX. I sent a letter and received a response back to call them.
04/27/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MI 484XX	Web
This complaint is over {$1500.00} that is attempted to be collected by XXXX XXXX XXXX. There is multiple problems with this and THE TOTAL AMOUNT should have been released already. 1 ) My federal debt is on schedule to be released under the forgiveness act. 2 ) I worked for the school itself and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX and permanately XXXX. XXXX denied my workmans comp. and I have a continuing case on this matter however, I am not working and SSDI XXXX ( approved ) as PD. since XXXX and when I contacted XXXX they ignored me and this is targeting in retaliation to this case WHICH THE SCHOOL ITSELF is LIABLE FOR. 3 ) I am XXXX and XXXX since the above and living on a very limited budget. XXXX ignored this and this entire matter is prejudice on the case of XXXX which I will look into discrimination AGAINST a XXXX person. ( great work ). 4 ) This entire amount should have been released long ago and it kept me from continuing school. They are scandalous.
05/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
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.
10/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33547	Web
I have received several notices from University XXXX XXXX XXXX and several of its debt collectors. I do not owe the money, and I have requested written confirmation, which has NEVER been provided to me. I disputed this debt within a week of being contacted ( 3 years ago ). When I ask for proof, they never sent it, and just keep sending letters indicating I owe the debt. I have never attended XXXX, nor did I enter into any agreement where I would owe money. I literally have no idea why they think I owe the money. The reason they have given me for not providing written proof is that they updated their system, and can no longer access it. I also received a call from a debt collector approx a month ago. On that call, I asked for proof of the debt. The debt collector said he would, but nothing has ever been sent. I have asked them to stop contacting me, and they refuse. I most recently received a letter from Williams & Fudge indicating I owe them {$250.00}. How do I get them to stop?
03/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NC 28262	Web	Servicemember
This company WILLIAMS and FUDGE has reported me to the credit bureaus falsely without first contacting me which is against the Fair Credit Reporting Act. The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. XX/XX/XXXX the President signed the Coronavirus Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. This should have also prevented this company from sending and false information to the credit bureau without first contacting me giving me a chance to dispute this information before providing this information to the credit bureau.
07/12/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	SC 29730	Web
My sister received a call from a company called Williams and Fudge. From a rep named XXXX or XXXX. She proceeded to tell my sisters sensitive information about my student loan account which I was already aware of. I told her at that point I did not want to work with their company because I was handling the matter through my university. She became very disrespectful saying that I was constenting for my loans to be dilinquent. Which I never verbally consented to do. The phone call escalated with me hanging up. I called back to complain and that female caller was rude as well. I asked her multiple times to send my call to a manager and she would not. Eventually she sent my call to a supervisor name XXXX who was just as disrespectful. I said i will pay the loan but I didn't want to work their company. They said it was either them or the highway. I hung the call up because yet AGAIN we were getting nowhere. These people will try to intimidate you and threaten you. Beware!
07/11/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80207	Web
I've counted over a dozen phone calls from this company to my personal and work numbers in just two days alone ( XX/XX/18-XX/XX/18 ). They never leave a message so I finally answered today long enough to let them know they can no longer attempt to reach me by phone. I can not receive debt collection calls at work and am worried these calls are jeopardizing my work situation and am appalled someone would call this many times and never leave a single message. I am not sure what this could be in regards to, ( I even checked my credit report today to see if I am missing something which I am not ), but I am more than happy to work out any debt dispute via email or regular mail. Calling over and over and over like this, especially when you have to go through a receptionist to get to my direct line, is absolutely harassment and specifically meant to embarrass and intimidate. My next step will be to go to my state attorney general and report abusive collection tactics.
08/10/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	OH 44070	Web	Servicemember
To whom it may concern, I have been dealing with being unfairly treated by a collections agency by the name of Williams & Fudge Inc. for 4 years now. They refuse to work with me on reasonable terms of repayment and I feel I can never get out of this hole. I dropped out of college after my sophomore year because I had an outstanding balance of over {$12.00}. My single mother and I could not afford to pay back the amount in full. Loans were denied to us left and right. So with a heavy heart I joined the workforce. Due to no degree I could only get entry level jobs like XXXX, XXXX, and XXXX industry. My balance defaulted and eventually went to collections Williams and Fudge Inc., now I owe over {$16000.00}. I ca n't go back to school unless this balance is paid in full. I am currently an XXXX serving on XXXX XXXX and I believe I have additional rights with dealing with this collections agency. I have dreams of becoming a XXXX and this debt is holding me back.
08/01/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA XXXXX	Web
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 ).
05/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 305XX	Web
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.
04/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91601	Web
Around XX/XX/XXXX I was alerted that a debt collection was added to my XXXX credit score. Williams & Fudge Inc. is attempting to collect re-aged debt on behalf of XXXX University. I attended XXXX ( merged with XXXX university in XXXX ) during the fall semester of XXXX. I withdrew from the school before XXXX. Maybe during the merger there was an accounting error. I do not believe this debt is correct to begin with as all student loans have been paid off and I was never contacted by the school about owing a debt over the last 10 years. My phone number and email were the same, I also had mail forwarding. If this debt is correct, why was I never contacted before? Additionally, this debt is not a student loan and therefore would be past the statute of limitations for CA and OR. Therefore trying to collect this re-aged debt is a FCRA violation. I have disputed this debt collection with XXXX four times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
04/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91601	Web
Around XX/XX/XXXXXXXX I was alerted that a debt collection was added to my XXXX credit score. Williams & Fudge Inc. is attempting to collect re-aged debt on behalf of XXXX XXXX. I attended XXXX ( merged with XXXX XXXX in XXXX ) during the fall semester of XXXX. I withdrew from the school before XXXX. Maybe during the merger there was an accounting error. I do not believe this debt is correct to begin with as all student loans have been paid off and I was never contacted by the school about owing a debt over the last 10 years. My phone number and email were the same, I also had mail forwarding. If this debt is correct, why was I never contacted before? Additionally, this debt is not a student loan and therefore would be past the statute of limitations for CA and OR. Therefore trying to collect this re-aged debt is a FCRA violation. I have disputed this debt collection with XXXX four times. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX.
11/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60453	Web
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}
08/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 23518	Web	Servicemember
In 2013, I was attending XXXX XXXX XXXX - XXXX XXXX, VA to become a XXXX and wound up being XXXX ( non voluntarily ) less than 30 days into my second 4 month period. I had already paid {$2100.00} plus {$100.00} admin fee for this period of instruction. The total cost for the 4 month period was stated to be {$4200.00}. XXXX alleges I owe them {$210000.00} for the four month period of instruction, but no services were delivered for this charge since they disenrolled me. Actually, a refund is due to me in the amount of {$640.00} based on a pro-rated tuition. I have submitted XXXX written responses to XXXX and their debt collection services and have never received a response acknowledging my letters and claims. Instead I keep getting threatening calls from their collection services that I owe them money - this has been going on for XXXX years now and I want them to answer my letters, pay me back the money they took from me, and STOP harrassing me.
01/18/2023	Yes	Debt collection Federal student loan debt	Communication tactics Used obscene, profane, or other abusive language	NC 27707	Web
I was called by XXXX XXXX this morning at XXXX. He was incredibly rude asking me to settle my debt with my university. He called me irresponsible multiple times and kept saying that I didnt know what I was talking about. When I called back to make a complaint, I spoke to his manager XXXX XXXX ( sp? ). This was at XXXX. She was also unhelpful and dishonest. Multiple times she said she hadnt heard the call and would need to review. Then she slipped and quoted XXXX verbatim and tried to say shed just walked by his desk. She also said that she didnt understand what else he was supposed to call me besides irresponsible because I wasnt taking any of the options I was given. If William & Fudge want to collect debts for companies, they need to have a little more tact. Lecturing people and insulting them must be the business model but I cant see how it benefits anyone. Ill be posting this review literally anywhere I can find William and Fudge listed.
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NH 030XX	Web
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account # XXXX XXXXXXXX XXXX XXXX XXXX {$4100.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions. 15 USC 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 16818-s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
08/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44125	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand the knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. The debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73110	Web
In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
06/29/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	ID 83301	Web
On XX/XX/2018 William 's and Fudge added a collection to my credit report in the amount of {$520.00} and I don't know why. My credit score dropped a lot because of this, almost 90 points. I have never heard of them before nor have ever been contacted by them either by phone or in writing. It says that I owe them {$520.00} and the school listed is XXXX XXXX XXXX College. I haven't been to that school in almost 5 years and don't remember owing them anything. I have students loans through XXXX but pay on those monthly and on time through Federal loans. It's unfair that William 's and Fudge added this derogatory mark to my credit report without even trying to contact me first. I don't believe I owe this money. I have a copy of my final billing statement with XXXX and it doesn't say I owe them anything. Since leaving college I still have the same phone number and mailing address which the college still has. Please help. Thanks!
04/28/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	IN 460XX	Web
XXXX XXXX University in XXXX, Indiana is where I got the loan, I ended up paying the bulk of it and a balance of {$59.00} was overlooked and ended up being sent to a collection agency, Williams and Fudge Inc., I made the payment the moment they called me in XXXX of XXXX, now 2 years later we look at my credit report and their name as well as the {$59.00} balance is on there as active, I thought this may be a mistake so I called the agency, I spoke to XXXX rep a male, he did not give me the mini Miranda before discussing the account, and next I spoke to a female rep and she gave me the mini Miranda, I told them what issue I had and I was told the man I need to speak to was not available, that was fine. I scheduled a call back time with them for Thursday XXXX XXXX at XXXX, the call never came, I just want this resolved and I am upset with the damage caused to my credit because the collection agency could not act responsibly
06/14/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	FL 33573	Web
Around 2016 I attended XXXX XXXX college, during one of my semesters I was in a bad XXXX XXXX and I was not able to complete my classes. I emailed asking to withdraw and spoke about my situation, at the time I asked them if anything would be owed and I was told no. The next semester I enrolled in courses and practically at the end of my semester I was told that if I didnt pay for the previous semester ( the same one they told me I didnt owe for ) I wouldnt be able to continue the current one. That led to me being withdrawn from my classes again and owing for both semesters. I earned a grant which expires soon to pay some of what was owed, they would not accept it. Theyre withholding my transcripts and have sent it to collections though I have tried getting assistance multiple times. It has been years and I still can not attend school. This is unfair as I cant afford to pay {$5000.00} for access to my transcripts.
11/25/2020	Yes	Debt collection Private student loan debt	False statements or representation Indicated you were committing crime by not paying debt	NV XXXXX	Web
I graduated XXXX XXXX on XX/XX/XXXX owing a little over {$2000.00}. I tried to work out a payment arrangement with the school, but they sent the debt to collections in XX/XX/XXXX. The collection company began calling me immediately upon receiving the debt. I was not working ( diagnosed ) and I told them I would pay when I could. They had a rep that called twice a month attempting to hold a conversation with me like we were friends. I told him to stop calling because it was inappropriate. Upon checking my credit report, I noticed they continue to renew the debt with new dates, as if they debt is new. I have called and sent them a letter letting them know they were misrepresenting the debt, but to no avail. They have a XX/XX/XXXX date on an XX/XX/XXXX debt. So every 2 years or so, they keep updating the debt so they can keep it in their portfolio and falsely report this information to credit reporting agencies.
11/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 775XX	Web	Servicemember
Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Date on XXXX - XXXX XXXX. XXXX ( I never attended during this time. ) Statement Date from XXXX : XX/XX/XXXX ( attached ) Payment Made by XXXX XXXX in XXXX of XXXX for XX/XX/XXXX - XX/XX/XXXX ( attached ) XXXX provided Debt Company a Falsified Statement with the same charges numerous time. ( See Statement attached ). Amt. stated as owed XXXX. Neither Creditor or Agency can explain the Statement or tell me why this is owed. I'm a Texas Veteran and used my Ch. 33 VA-EDU benefits XXXX Which paid for the Course in FULL ( see VA receipts attached ). XXXX Billing department will not provide me any information. Will not send proof or explain details of Statement. I've been harassed for over 4 years & this account was at one time deleted from my Credit report due to XXXX not being able to verify statement. Please assist & investigate account.
08/23/2023	Yes	Debt collection Federal student loan debt	Communication tactics Used obscene, profane, or other abusive language	GA 313XX	Web	Servicemember
I was contacted by Williams & Fudge on XXXX XX/XX/2023 in reference to alleged debt owed, I stated to the representative that this account had already been resolved and there is no reason for them to contact me on this matter. The representative stated that regardless of it being resolved previously this amount is still owed. I asked if i was intended to pay this amount that was previously owed and resolved and the representative responded with yes, I would have to pay again for the alleged outstanding account. I asked them to provide evidence that this account was not resolved, and I would be retaining a Lawer on the matter. The representative responded, " come on what lawyer are you going to get, who is your lawyer ''? This type of behavior is a form of harassment commonly reported in association with this company and is a form of intimidation and ridicule intended to be used in predatory tactics..
07/17/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	NY 10457	Web
Back in 2020 I was finishing my last semester but covid hit and my internet access was inturpted. Due to XXXX and the management of my building if you were not a tenet or had to interact with others in person they refused to fix my internet connection resulting in me not being able to submit my final assignments. I've contacted XXXX XXXX XXXX about this issue during this time in letting them know I couldn't submit my final papers and assignments using my hot spot from my phone. After awhile XXXX XXXX stopped responding resulting in defaulting my student loan. I have multiple emails as proof. Now I'm being sent to collections even though I've been back and forth with XXXX for the past three years. This situation was out of my control during this time everything was shut down in XXXX XXXX XXXX I'm asking for assistance before I process legel documents in civil court suing XXXX XXXXXXXX XXXX
01/22/2019	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NV 89121	Web	Servicemember
This company is contacting relatives and disclosing personal information to them about a debt from a school from a semester I never even attended. They have contacted at least 2 people that do not have permission to speak on my behalf and who the company had to use illegal tactics to get the information. They called two people on XX/XX/2019. And they disclosed personal details to one and got rude. They contacted one of the same people on XX/XX/2019. The callers name was XXXX XXXX. He told them that I owed {$1100.00} for XXXX ( which I do not ). And threatened to keep calling the person until they got in contact with me. I will be contacting a lawyer this week and pursuing legal action for the credit rules they have violated. I will also be contacting XXXX for the false charges from a semester I never attended. I have screenshots of the calls and recordings to prove my case.
02/23/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	UT 841XX	Web
This certifies my written request to return this allege debt back to the original creditor due to the alleged debt being involved in fraud and identity theft of funds. XXXX XXXX XXXX has failed to honor legal notices of FTC identity theft affidavits sent to them. Including police reports. Stating the dates are not in the time it occurred. The XXXX police department instructed me to gather all identity theft related into one case. Which took me over a year to gather all the information for the investigation and the police department then generated a police report. That is the reason the report is over a year later. XXXX XXXX community college financial department has not only violated the law but willingly keep seeking debt on a debt occurred by fraud and identity theft of funds. This alleged debt should have been resolved directly due to fraud and balances removed by law.
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	WA 98102	Web
I have received harassing phone calls from XXXX XXXX XXXX XXXX numbers for some time. The numbers are : XXXX XXXX XXXX XXXX XXXX on XX/XX/20 ( three missed calls ), XXXX XXXX XXXX XXXX XXXX ( one missed call XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/20 ( two missed calls ), as well as calls with similar frequency further back that are attached in the screenshots provided. Today, I finally received a voicemail from XXXX XXXX XXXX XXXX XXXX that stated " We have an important message from Williams and Fudge, Incorporated. This call is from a debt collector. Please call XXXX XXXX at XXXX. Thank you. '' Upon searching for the number to call back, the number was not associated with Williams and Fudge directly and has several scam reports. They are typically associated with student loans and with my federal student loans my account is current, so this is obviously a scam call.
12/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23238	Web	Servicemember
On XXXX XXXX, XXXX I register for a class ( ENSU XXXX XM ) at the University of Illinois, that same day I got an email from XXXX XXXX " XXXX '' Day that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the University of Illinois course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX & FUDGE, XXXX ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. XXXX and behold they did, they sold it to XXXX who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.
04/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	KY 41018	Web
Due to unforeseen circumstances I had to dropout of college. i received a notice of debt owed to XXXX XXXX University I received a call from a debt collector advising me about this debt, I agreed to establish a payment plan with the agency assigned the debt by XXXX to make monthly payments and avoid bankruptcy. In doing so it was agreed that the debt would not get reported to my credit report. i have been making payments every month as agreed and have learned once access was gained to my XXXX XXXX that the company is reporting to XXXX XXXX and has been doing long before the collection company called me. This company did not notify me by mail prior to the phone call mentioned above and then reporting this to the credit beaureus not allowing me to dispute or validate the charges. This needs to come off my credit now. This debt collector is in direct violation of FCRA.
07/19/2019	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	SD 570XX	Web
I had attempted to make a payment online, realized I paid the wrong amount, so I called they said they couldn't get online to cancel it I had to go through my bank. Went through my bank to cancel it. They said they would call me back the next day. No one called. 2 days later they send an email. So I immediately call. He said my manager listened on our call and was able to stop the payment then proceded to tell me how much they took out. I said you never called me back to get my consent on that amount and I didn't have that amount. I asked to speak to a manager who yelled at me and told me since I put my information online that they can take out whatever they want. I said that has to be illegal. He said no, he screamed at me said I'm not a customer and im not gon na tell him what to do. I asked if I can hear the recording. He said he would email it and never did.
08/04/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	VA 22003	Web
I had a balance left over from XXXX university which I could n't pay because a loan I applied for did n't get approved XX/XX/XXXX. After graduating and securing a job I was able to pay the balance in full to the collection agency William and Fudge XX/XX/XXXX. I received an email confirming that the balance was {$0.00} and subsequently sent an email to the school to confirm payment was received. " XXXX '' from XXXX XXXX 's bursar office confirmed receipt of full payment. I called William and fudge to let them know that I had paid and to report the account as paid to the credit bureaus, to which they said It would show as closed in about a week. Fast forward couple months, they still did n't update the account status with the credit bureaus and the account shows as open. I am unable to apply for loans and this issue has been causing damages to my credit score.
09/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76549	Web	Servicemember
This was a PELL GRANT, Collection Agency WILLIAMS AND FUDGE INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$2900.00} Status Date XX/XX/XXXX Status UNPAID Comments Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Contact WILLIAMS AND FUDGE INC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Date Reported : XX/XX/XXXX, This was a state Pell Grant, not a loan.On XX/XX/XXXX, the President signed Public Law XXXX, the Consolidated Appropriations Act, XXXX. Under this appropriation, the maximum Pell Grant award will increase to {$6000.00} for the XXXX award year, and the corresponding maximum Pell Grant eligible expected family contribution ( EFC ) will increase to XXXX XXXX, XXXX
06/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OR 97405	Web
A debt is owed to XXXX XXXX College for a XXXX, the teacher was incompetent at teaching the course. I received a XXXX in the course which I was fine with until I started at XXXX the next quarter and recieved a 98 % in a college XXXX course, My math skills placed me out of the course I scored a XXXX in. I thought the class was paid for but since that time i have received repeated harassing phone calls from XXXX. XXXX XXXX College clearly has no interest in the welfare of their student body if this is the agency they send outstanding debts to. I have been called over XXXX times by the rock hill number generally XXXX a day to XXXX a day but recently has lessened in frequency though I also received calls past XXXX which is illegal in itself. I have donated money XXXX XXXX XXXX College, however i am not going to pay this " debt '' after this serious harassment.
12/15/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	TX 78249	Web	Servicemember
The university in which I was attending ( University of XXXX - XXXX XXXX ) has forwarded my account to which validation has not taken place to a debt collection agency ; Williams & Fudge , Inc . This agency has added frivolous fees and commissions to the balance of the alleged debt in amounts which are unclear and deceptive. Agents for this collection agency have not been forthcoming in explaining this debt to me nor have they provided a break down of what they allege I owe their client. Further this agency has deployed the use of an autodialer making numerous unauthorized calls to a mobile telephone in violation of TCPA. This agency has attempted debt collection actions against me at my place of employment placing my career and livelihood in jeopardy, they have done so after repeated requests to cease and desist. WILLIAMS & FUDGE , INC . XXXX, SC XXXX
09/18/2022	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 464XX	Web
I talked to a representative two weeks ago and set up a payment plan to pay my debt. I told the representative what days to charge my account and since she failed to charge my account on one of the days we arranged called from her personal cell phone number saying that she was going to mess up my credit. The collection is not only listed as open but also as having a past due balance of {$970.00} dollars. This is a violation of FCRA requirements and in violation of XXXX XXXX Compliant reporting standards. According to the FCRA I have the right to a completely accurate report and if its not accurate then I am in my rights to have it completely removed and discharged from being liable for any debt thereof. Please remove this account and send me an updated report showing compliance with XXXX reporting standards and this account removed under completion.
09/12/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX 79705	Web
Back in 2018, I had initially registered with the online XXXX University.. Unfortunately, they did not offer the classes that I was looking for, so I never signed up for any of the classes. I ended up signing up and taking classes at a different university. It wasnt until recently, that I noticed a collection on my credit report from XXXX and XXXX, XXXX, collecting for XXXX University, in the amount of {$2600.00}. When I called XXXX, and was finally able to speak to a lady there, she said that the reason for the collection was that I had signed up for a class. I told her the I NEVER signed up for any class with them, as they weren't offering the classes I needed. I did also do some research online and it looks like they are doing this to other people. Please help as my credit report is taking a big hit for a reported collection that i do not owe.
09/25/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	UT 84107	Web
I have sent XXXX letters via USPS certified mail at the address listed for the collection agency Williams & Fudge out of South Carolina. The letters detailed my dispute of the debt they were trying to collect in the amount of {$13000.00}. I do not owe this debt and they have failed to provide me with any proof or verification that this debt is mine. They are, however, newly reporting this debt to my credit report. I am unsure if it is reporting with XXXX, but I know it is reporting with XXXX and XXXX. I have just mailed the collection company yet another certified mail letter requesting the debt be removed from my credit because they have failed to verify the debt to me and are in violation of the Fair Credit Reporting Act. I will pursue legal action in small claims court if they choose not to remove this debt which is being reported illegally.
07/11/2023	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IN 474XX	Web
Monday, XX/XX/2023 : XXXX with Williams & Fudge gave my date of birth and last XXXX of social over the phone without my verification of identity. The collectors also have not spoken with me prior to this date. Theyve repeatedly contacted my husband over the phone after finding his contact information through public records, but they didnt know my husband name ( and called him by the wrong name ) and provided him with the last XXXX of my social and date of birth over the phone. The collector claims to have my information from the originator but didnt have my phone number or email. They never contacted me via my mailing address ( which is the only piece of contact information they have that is correct ). When asked about contacting via email, they provided an incorrect email address and stated they had sent information to that incorrect email.
01/25/2021	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 90717	Web
WILLIAMS AND FUDGE INC has been calling me multiple times per day regarding a past due to tuition amount from XXXX University. This past due amount was previously paid for via my federal student loans. I have already paid back the balance still due for tuition directly to XXXX University. This company should not be contacting me at all nor placing a collection on my credit report. I have not received any notification in writing from this company stating I owe the amount of {$1600.00} as stated on my XXXX credit report. This means I am not able to dispute this debt nor am I able to assert my rights. I do not wish to be contacted 10x a day via phone as like many people during this pandemic I am working from home and consider these calls to be the same as contacting me at my place of work and disturbing my ability to work.
06/06/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 798XX	Web
I had a debt collector call my place of employment on XX/XX/2018 in reference to a debt that does not match my records. This is an old debt from over a decade ago that has been resold so many times that I can't actually find out who owns it now because they have all lost the paperwork. I told them that it was illegal to contact me at my place of employment ( my employer has a no personal calls policy that I can be fired for if I violate ) The caller insisted that it was not illegal for them to call me at work. I told them that the Fair Debt Collection Practices Act prohibits them from calling my place of work if they have such a policy but was again told it was not illegal for them to call me. Which is a complete untruth. I then told them I have the ability to sue for violations of this Act and I ended the call.
02/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33441	Web
A few weeks ago, I received a phone call. The man on the phone stated they were trying to collect a debt. I strongly believe this is a scam. Today, I received two letters by mail stating I owe the XXXX XXXX XXXX Florida almost XXXX XXXX dollars. The debt collector claimed they work for XXXX XXXX XXXX XXXX. I've never heard of the XXXX XXXX XXXX Florida. I've never attended the XXXX XXXX XXXX Florida. I've never taken an online course from the XXXX XXXX XXXX Florida. They claim the debt is from 2016. I don't even think I was in Florida in 2016. I believe they are scammers pretending to be a debt collector. The letters and phone calls I received are causing me stress. I would like them to be brought to justice. I believe they are scammers trying to defraud me. I've never heard of the XXXX XXXX XXXX Florida.
04/02/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23503	Web
XX/XX/2022 I sent validation letter requesting documents that debt was owed to the company on my credit report. The company responded with a letter stating i owed a different company other than them. The company also reported an different amount thats on my credit report thats in the letter theyve responded with. They didnt send any original documents/contracts with my signature, they sent copies from a bill statement with inconsistencies of the amount owed to an other company than themselves. The letter i sent XX/XX/2022, and their response is attached in this complaint along with screenshots of what amount is stated on my credit reports. I asked them to cease and desist if they couldnt provide documents and they are causing me emotional distress due to financial claims that are hindering me to progress.
05/04/2020	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	GA 30236	Web
I was contacted by a representative of William and fudge, XXXX, in XX/XX/2018 about a so-called school debt. He demanded immediate payment. I requested to have proof of the debt and he was unable to do so till this date. He only could articulate {$5100.00} and stated that's an amount that the school sent to him. My school loan balance is XXXX. It's an extra 26.58 % of the amount of the school loan balance if it is indeed that school. This is a criminally usurious misdemeanor according to Florida Usary law. Also, they are in violation of the FDCPA : The debt was disputed and was never proven- William and Fudge is using unfair practices ( collecting extra amounts ) and harassing phone calls.. I was not allowed to satisfy the supposed school loan balance after I am given proof or breakdown of the debt.
07/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
Williams and Fudge called to ask about student loans of someone who has the same first and last name as me in XXXX. I said it wasnt me ( we have different middle names and social security numbers ). They started calling me again in XXXX XXXX I called their main office and said it is not me ( again ) and they said they made a note of it. They called my workplace again on XX/XX/2022. They keep calling my workplace for debt that is not mine. I have repeatedly told them I have a different social security number and middle name. In fact I have never had student loans. I have checked my credit report and there is no loans. They gave me the last 4 digits of the social security number of the XXXX XXXX with the loans and they do not match my social security number. I need them to stop harassing me at work.
04/19/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60544	Web
On XX/XX/XXXX Williams and fudge called and left me a voicemail at apprx XXXX am. At XXXX I believe tell called me with the number showing private and then they called again at XXXX. After they didn't hear from me they called a person I know at apprx XXXX asking for me. They were told that is not my number and was asked then they have my number. The rep said yes I called a couple times and left a voicemail but she is not calling me back. The person they called said you are violating her privacy especially if you knowingly have her number. I email the office to complain. They admitted the rep called but no privacy was violated. they said they listen to the call and would I like a copy but I am unsure why they would call someone else if they had my correct phone number of 13 years which is published.
06/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	UT 84124	Web
In XX/XX/XXXX I applied for admission to XXXX university. In XX/XX/XXXX I was forced to go help family out of state ( school would not of started until mid XX/XX/XXXX ) and notified the school that I would let them know if I will be able to attend, but not to order books or enroll me into classes. I did notify them prior to the start of the term that I was no longer interested in attending their school. Now I am getting collection letters from " Williams and fudge, inc. '' for {$530.00} stating that they are for " No show fees '' for not attending the school. I have explained that I never agreed to attend the school, and their own billing statement even shows that tuition was credited back to me, but the company keeps saying that the debt is valid because they have a bill in their office for it.
11/03/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Keep getting calls about your loan	NH 030XX	Web
Debt Collector: Williams & Fudge, Inc. Name of person: XXXX XXXX - XXXX I have been called 8 times in the past 4 days by this company, and they have contacted my mother several times as well. My mother was not a cosigner on this loan, and they should not have her contact information. These loans need to be rolled into the rest of my consolidated federal student loans so that I may fairly pay them off. It is relatively low balance and does not merit this type of aggressive harassment and collection. My current monthly consolidated payment is $XXXX due to a low income, so I should not be harassed for this amount. I have been given no options for monthly repayment, and instead me and my family are getting harassed. I am happy to figure out a low payment plan, but this is getting out of hand.
01/23/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	WA 98198	Web
Contacted me on XX/XX/22 about a debt owed to XXXX XXXX XXXX XXXX Stayed the debt owed was {$800.00}. Threatened to hang up the phone in 3 minutes without answering questions about the debt because their phone system hangs up automatically at that time. I submitted a written dispute as well as disputed the debt through a link that they provided. Received no response other than the fact that they checked with XXXX and verified I owed the debt, however, no information about when the debt was incurred or what it was for was provided. Not wanting the debt to be listed on my credit report, I paid the debt anyway. Debt collector has refused to issue a paid in full letter or any kind of receipt despite verifying over the phone that the funds have been received and posted to my account.
10/26/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NC 27215	Web	Servicemember
My name is XXXX XXXX. I attended The XXXX, XXXX XXXX XXXX XXXX South Carolina from XXXX. I had a balance of {$13000.00} that was turned over to Williams and Fudge INC. collections agency. I 've been making payments to them since XX/XX/XXXX, however they are not reporting my payments to the credit bureaus and they are not providing statement to me showing how my payments are applied. I 've also noticed on my account that they 've added an additional charge of {$4100.00} to my account, which I find it unfair and unreasonable. I am currently serving in the XXXX Army and my interest rate should be lowered to 6 %. The charge added to my balance seems to be close to 30 %. Please investigate and let me know your findings. I would like to see my payments applied to my balance on the loan.
03/24/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 385XX	Web
I recently submitted a claim against an outsourcing company called XXXX. They responded to my original complaint today stating they outsourced this debt to different collection agencies. Spoke with XXXX Recovery and Williams & Fudge and are aware that I have spoke with XXXX XXXX regarding identity theft. They suggested I report identy theft to the FTC ( which I did ) so all communication would stop regarding this debt. They also stated and I quote " Nonetheless, as XXXX XXXX continues to alleged that this account was fraudulently opened, we have recalled her account from Williams & Fudge and have placed it in a " FRAUD-PENDING '' status. '' I just received an email now from Williams & Fudge with instructions to clear the debt. Obviously XXXX did not do as they said they would.
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 919XX	Web	Servicemember
I received an email alert from my credit monitoring app that a new tradeline was recently added to my credit profile. I am currently in escrow for a home purchase and woke up to this nightmare. Company William & Fudge claims I owe them {$97.00} when I never had any written contracts or obligation to pay them. I never did business with William & Fudge. On XX/XX/2022 I wrote William & Fudge a letter via USPS mail of " validation '' bearing my signature that I had contractual obligation to pay them. I have also called them to ask to remove the inaccurate reporting on my credit, since it may have the possibility to affect my Home Loan Escrow process, forfeit my earnest money deposit of $ XXXX or increase of interest rate, or worse denial. They did not want help me any further.
03/28/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	RI 02905	Web
XX/XX/2023 RE : XXXX XXXX The above-referenced account has been placed with our office for collection. The total outstanding balance is {$350.00}. In an effort to assist you, XXXX XXXX has authorized us to make the following offer : You may resolve your account for {$280.00}. To accept, please make your payment by XXXX. We are not obligated to renew this offer. If you are unable to accept the offer listed above, please contact our office. Other options may be available to you, including a reasonable payment plan for the outstanding balance. Sincerely, Williams & Fudge , Inc . XXXX XXXX XXXX ( Direct ) XXXX ATTN : XXXX XXXX ( Fax ) This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.
05/24/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	PA XXXXX	Web
I got a call tonight ( XX/XX/23 ) around 7. They called my cell and went right into this is a call trying to collect a debt for a debt i owned a XXXX XXXX. I said that i would like more information on loan and the amount. She said that i already know these things and that they already sent it over. I said could you send it over again i never got it, so i could verify the debt and the creditor. She said they work for XXXX XXXX and that they DID NOT PAY for the debt. I asked how that could be true since it's in collections and she gave me the ring around. I said I would look over the email they sent a week ago ( XX/XX/23 ) I felt lied to and pressured. I know my rights and i know they were not honored. Williams & Fudge , Inc. are the ones who emailed me and called me.
11/01/2022	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80918	Web
William and Fudge debt collection keeps calling me many many times a day at weird hours and is also reaching out to my work, friends, relatives, and being very inappropriate. I asked them to stop reaching out yet they continue to do so and are being very inappropriate over the phone, even verbally escalating at times and I feel harassed and violated. This is the most unprofessional company I've unfortunately had to do business with. Due to financial difficulties with paying school loans trying to continue my education while working full time. I'm trying to settle the debt but need time and do not want to be harassed. In addition they are unwilling to negotiate debt at all. I want the harassment to stop, I'm treated like a criminal over a small amount of school debt.
05/04/2020	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	VA 23320	Web
I received a call today from Williams and Fudge for a balance I may possibly owe to XXXX University. They call repeatedly and Ive talk to ever so reps and explained to them that my hours had gotten cut due to the pandemic. This particular call the rep says, are you not able to pay because you arent working. We can set up arrangements. I tell her Im it able to do that at the moment. She says, well weve been contacting you since XXXX and havent collected any form of payment yet. Once this Virus is over we are going to want payment. I am going to call this company back and file a complaint. That was a tactic to scare me. I can not change my situation. Nor do I have the finances right now to set up and arrangement. They cant bully me into a payment! I feel attacked.
04/19/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	NH 03079	Web
I submitted my loan towards XXXX XXXX a few months ago for XXXX XXXX. Today I have received a letter in the mail stating that {$25000.00} was sent to collections. This is not correct. I filled out a loan for the amount that I owed XXXX college and it confirmed that the loan was all set. Now I have this {$25000.00} in collections and can not go about paying for this without a loan. This will be under my belt for the rest of my life. I was never notified that it did n't go through or that the money was going to be sent to collections. I 'm very upset that this has happened and would like to solve this problem asap. Whether that means taking the money out so I can process the loan again or I 'm going to have to find other ways for this to be solved.
03/18/2020	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	CO 813XX	Web
William and Fudge incorporated has been calling me relentlessly ( every day ) for over 4 months and is now trying to contact my family. They have called my mom, who was on the loan with me and has spoken with them ( they began calling her before I permitted collectors to talk with her about my debt owed ) and have now contacted my uncle. My uncle lives in another state and is not tied to me financially or by name. My family and I feel unjustly harassed while we are already dealing with the stress of managing this debt. I am an XXXX member with student loan differment and have very few options for financial repayment, and my family members who are in no way tied to me, my loans, or my debt are being accosted by a hostile collection agency.
07/09/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85297	Web
A debt that I was not aware of because I never received any letters or correspondence from the company was placed on file with the credit bureau giving a date of XX/XX/2018. Even if the debt was valid, which I'm disputing since I have not received any information on it, it would not be from XXXX of 2018. The only reason I found this debt was because I check my credit regularly. This caused my credit to decrease by almost 50 points. Since I have no information about this debt prior to this I do not believe it is valid. I also have not been in school 4 years so even if it was a valid debt which again I am disputing it would be from years ago not XXXX of 2018. This company is trying to make it seem as though I have a new debt which I do not.
04/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 920XX	Web
Williams and Fudge Inc is attempting to collect an alleged debt on behalf of XXXX XXXX. Williams and Fudge Inc is a 3rd party debt collector. I have no written contract with Williams and Fudge nor any agreement with them to collect anything from me. I have never given written consent to Williams and Fudge Inc to have my personal information as this is identity theft. Williams and Fudge Inc are not legally licensed to even collect in the state of California per the NMLS consumer access site so not only are they illegally attempting to collect an alleged debt, but they are also illegally practicing without a license in California. They have reported this account on my credit reports without my written consent as well which is also illegal.
04/25/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	VA 246XX	Web
I went to take out an auto loan last month and found out I had my identity stolen, I immediately filed a police report and contacted each creditor and consumer reporting agency. I spoke with a XXXX XXXX from the company Williams and Fudge Inc. a debt collection agency. XXXX has refused to provide any documentation in regards to this fraud and I have sent multiple letters that included, FTC identity theft report, identity theft affidavit ( which was also notarized ), a police report from my local sheriffs office and proof of identity. The company has failed to remove and stop reporting this identity theft and is in clear violation of the law. I will be contacting the XXXX and their states attorney generals office. Please see attachments!
03/27/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 436XX	Web
XX/XX/XXXX. Company called my place of employment trying to collect on a debt during a pandemic. I'm not sure how much longer I will be employed because of this pandemic and quite honestly not sure how I will pay bills needed to sustain life at this point. My significant other is out of work, as I type this message, struggling to file unemployment. We have young children at home as well and they call and want me to pay this bill that has been owed since XXXX. This is now XXXX and they decide that now is the time to contact me regarding a 6 year old debt? NOT OKAY!!! This is the 1st communication from them in the last 6 years, please let me note that as well. This is very unacceptable, especially since the world is in chaos.
05/02/2018	Yes	Student loan Private student loan	Incorrect information on your report Account status incorrect	NV 89014	Web
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!!!
07/18/2022	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	TX 756XX	Web	Servicemember
XXXX XXXX University did not properly request funds from the VA after confirming I provided the documentation needed. The VA stated they never received the request, the school pushed it to a debt collector who is harassing me. The school it at fault for not requesting the funds or stating they needed more information from the VA. Current Creditor Account Number ( Last 4 ) Balance XXXX XXXX XXXX XXXXXXXX {$3500.00} Consumer Information Williams & Fudge ID Williams & Fudge Pin Amount Due for Account ( s ) Listed XXXX XXXX {$3500.00} XXXX XXXX XXXX ( XXXX ) XXXX ATTN : XXXX XXXX ( Fax ) This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.
09/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 331XX	Web
Williams & Fudge ( Account # XXXX Pin # XXXX / # XXXX XXXX XXXX ) - mailed me a letter trying to collect on a previously disputed very old and unknown fraudulent debt. I mailed them a letter XXXX via certified mail advising that I am a victim of identity theft, the unknown debt they are trying to collect is a time barred debt in which has expired the Florida statue. In addition, I sent them a copy of the police report with a memo telling them to cease contact. Lastly on XXXX a relative called me telling me that this company contacted her very late questioning and not disclosing further information regarding who was calling. I need Williams & Fudge to cease and stop collecting on this fraudulent and unknown debt.
08/26/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AP XXXXX	Web	Servicemember
XXXX University in XXXX, AL is charging me tution for the Fall semester 2018. I was unaware that my veteran benefits had ran out and once I received notification from the VA, I dropped the classes in XX/XX/2018 and VA confirmed the drop notice. I verified that with the VA to make sure, they were late sending out notifications on benefits that year. I have tried to explain this to XXXX. If anything I owe it should be the late drop fee but they are charging me full tution and bunch of finance charges. The debt went from {$4000.00} something to over {$8000.00} sent from a law office. I really believe I am being taking advantage of as a veteran. Please help and advise in this matter. Thank you, XXXX XXXX XXXX
10/26/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OR 97401	Web
XX/XX/2023 : I notified collector Williams & Fudge not to contact me at work. XX/XX/2023 : Followed up with a written request to cease contact at my workplace. XX/XX/2023 : Received a call during a critical work meeting, causing disruption. I have received multiple calls during my working hours, and each time I have reminded them not to contact me during my work hours each time and then disconnected. These calls violated FDCPA section 805. In addition to these calls, I requested debt verification on XX/XX/2023, but received it on XX/XX/2023, violating the 30-day time limit in FDCPA 809 ( b ). Three of the required statements in FDCPA section 809 ( a ) have ever been provided to me by Williams & Fudge.
01/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85283	Web
I have repeatedly gotten robo-calls from various unlisted numbers saying they have a message for me. When I do answer and " press XXXX '' to get the message, they first ask me to confirm details like date of birth and last XXXX digits of social security number. They refuse to identify who they are or why they are calling and so I refuse to verify any information. I recently got an email from " Williams & Fudge, '' a debt collection agency. I believe this is who are behind the calls, but they are looking for a someone with a slightly different name -- not me. I 'm sick of being harassed by these people, especially for a debt that 's not mine, and especially when they wo n't actually tell me anything.
02/22/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	OR 97086	Web
I have been talking to my debt collector, Williams and Fudge, about how I am not able to pay my debt. I have tried petitioning against XXXX XXXX University about cancelling my debt because I attended 2 weeks then had to leave because it was too much money for me. They have written proof of me only attending 2 weeks, but they will not cancel the debt. Williams and Fudge will not stop contacting me. They are constantly calling me. I offered to pay $ XXXX/month and they told me they could not set up a payment like that and that I needed to pay the whole {$10000.00} right then. I owe {$10000.00} for 2 weeks of school. I do n't have the money to pay this, that 's why I dropped out in the first place.
04/03/2020	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 11103	Web
RE : Williams & Fudge, XXXX XXXX ( XXXX ) XXXX : Company clearly bought an old debt for pennies on the dollar ; stated a very inflated / incorrect amount as part of an invoice that was sent over a public Company server as opposed to my personal e-mail. Prior to the e-mail that was sent to a public business domain today ( Friday, XX/XX/XXXX -- which I have a record of ), XXXX XXXX XXXX called repeatedly to my cell phone and made fun of / mocked my last name. This is harassment for a debt that is not even correct plus outside of the Statute of Limitations. Please Advise how I should proceed. P.S. The company server that he sent the e-mail is a Company that furloughed me due to the Coronavirus.
02/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 811XX	Web	Servicemember
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.
05/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91915	Web	Servicemember
In XXXX the company XXXX XXXX XXXX attempted to collect a debt not owed by me. They sent no notification of collection and i was not aware until i saw it on my credit reports. I then disputed it multiple times as not only did I have no knowledge of this debt but I also was not responsible for it. It was removed from my report on XX/XX/2023. In XXXX XXXX XXXX I received an email that they AGAIN attempted to collect a debt I did not owe, I disputed that and they did not send a correspondence of them proving I owed a debt. And i saw it again on my credit report and had to dispute it once again and they conduct their own investigation and are still trying to say I owe this debt.
12/01/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31602	Web
I had no knowledge of this debt until I tried to get a copy of my transcript. It was not on my credit report, and it was months before they could even locate my information to tell me a balance. I called the finance office at XXXX and all they could tell me was I had a balance but had no knowledge of an amount in their system. They told me to contact the listed collection agency, and when I called the collection agency repeatedly they also had no knowledge of this debt nor my information in their system. No one could tell me anything. Weeks later the collection agency called and just gave me a balance with no explanation and a week after that it appeared on my credit report.
08/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 318XX	Web
I was attending a XXXX school called XXXX XXXX College that promised us that we would be able to take college classes for free at XXXX XXXX University and they would take care of the expenses. I took classes from XXXX to XXXX but I'm being charged for the last class I took in the spring of XXXX while i was a minor but not charged for any other class. Now the school is shut down and everyone associated with the school has been transferred or fired and i cant contact anyone to help resolve this. The debt doesn't even show up on my credit report and I couldn't dispute the debt sooner because every attempt to contact me was sent to an address i hadn't lived at in years.
10/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55418	Web
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.
12/06/2022	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	FL 32205	Web
This company has profusely tried to call me and harass me to pay a debt that I am not responsible for. The age of the debt is past the statute of limitations in the state of Florida and has been resold and taken off my credit numerous times. Not only that, but they have called my job several times in the past, have called my husband harassing him about this debt while they have my phone number. Today on the phone, I was scolded by a debt collector after I informed her I was in a meeting and couldnt deal with another harassing call from this company. She refused to take my answer and kept pushing for a forced payment for this debt that Im not responsible for.
12/06/2022	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33647	Web
Williams & Fudge has contacted me multiple times at my work number and to my personal number during working hours requesting that I pay them money for a debt to the XXXX XXXX XXXX XXXX Today being the latest, XX/XX/2022 at XXXX XXXX. They called my work office attempting to collect a debt. I also believe the debt they are collecting is false. I was forced to drop out of XXXX because my financial situation didnt allow me to work and do school. The money that they are trying to collect is from a XXXX that XXXX gave me because of my financial situation. It was a need based XXXX and I do not believe I should owe money on this regardless of dropping out.
05/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 38134	Web
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
07/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11692	Web
As of XX/XX/2018 there is a collections account from Williams And Fudge showing on my XXXX report for {$6000.00} with XX/XX/XXXX as the date opened listing XXXX as the original creditor. First, I have never owed XXXX any money, and I have received no mail from them requesting money from me. Secondly I have received no notice Williams and Fudge you regarding the debt this is a violation of FDCP. By doing so the company has also interfered with my right to contest and verify the debt. This account needs to be removed from my credit report immediately as it is not only frivolous, but the rights allowed to me regarding the matter were infringed.
07/19/2018	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NE 68506	Web
I am getting calls for a previous tenant at my apartment regarding a debt collection. However, my phone number is from my previous address, and previous address before that, for more than 20 years. Whoever this person is that used to live here, she never knew my phone number, and she never could possibly have given it for any purpose to anyone. The collection agency has been hounding me for the better part of the last decade to pay for this girls debt. Obviously my own debts, which are now paid, have my telephone number as a mark for low life debt collectors who see dollar signs next to my name. These bottom feeders belong in prison.
03/03/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	OH 43054	Web
I have received repeated phone calls on a debt that I have already paid. I make the agreed upon monthly payments and have not missed a payment. However, I keep getting harassed to set up automatic payments. I have explained that I prefer to make the payments on my own and was told on multiple occasions that I would continue to receive phone calls until I set automatic payments up. They have also noted things that I have not greed upon. For example, the person I spoke with today said that I agreed to pay more money once I received my taxes. I have never stated such and explained that I am only going to make the minimum payment.
12/22/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	GA 30349	Web
My loan was originally a federal student loan. I signed a promissory note for the loan and was released the funds to purchase books and other school supplies. The school XXXX XXXX XXXX XXXX XXXX, lost or misplaced the promissory note. I 'm assuming because the school lost the note, the gov't agency did not fund the loan therefore causing the school to be out of money. In an effort to get their funds recanted, the school rolled the federal loan into a private school loan ( XXXX for which i did not sign a promissory note ). The school is refusing to release transcripts or allow me to attend classes with an outstanding debt.
12/10/2020	Yes	Debt collection Federal student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	WA 98118	Web
Today, at XXXX XXXX Pacific Time, Ireceiveda call from someone who asked for person X ( my partner ), and when I asked who they were, said : " This is XXXX XXXX ''. I asked, " Which office of XXXX XXXX? '' They responded : " It's an office of XXXX XXXX ''. I pressed again : " What office of XXXX XXXX are you from? '' They responded : " With the University ''. When I finally pressed again, they responded, " I'm with Williams & Fudge, working on behalf of the University. '' I believe it is fraudulent to represent yourself as someone you are not. This was not a call from XXXX XXXX, they were from Williams & Fudge , Inc .
07/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 080XX	Web
I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Also after a dispute through all credit bureaus the company has failed to update the comments stating that it was being disputed as required under the FCRA. This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.
02/24/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CA 94533	Web	Servicemember
I received a debt collection letter from Williams & Fudge Inc for the College of XXXX XXXX stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything. Also I am a retired vet I dont need a student loans I have educational benefits from the military.
11/19/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	TX 75063	Web	Servicemember
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.
01/14/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	IL 60643	Web
The creditor called me today concerning my student loan debt that i owe to the school. I informed the creditor that he is top on my list because i can not attend school unless he is paid. He said you said that the last time. The last time you paid was {$20.00} back in whatever month and begin to be argumentative with me as if i can pull the money out of my pocket to pay him. I don't have it. Then he said " you just started working didn't you? How did you know i was working? Im like " i need a pay check right and can't make plans to pay debt without a paycheck. He started getting aggressive so i hung up.
10/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33157	Web
On XX/XX/2021 at XXXX XXXX, I received an email correspondence from Williams and Fudge regarding a debt they are attempting to collect. I informed the aforesaid company that I did not attend this school, and that any correspondence should occur via the address they have on file. My reply was sent on XX/XX/2021 at XXXX XXXX. Since this encounter, I have received no further communication from Williams and Fudge. I have not received any information validating this debt. However, they have managed to report this unsubstantiated and unverified account to the credit reporting agencies in violation of FDCPA.
12/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21502	Web
I was contacted by an attorneys office XXXX INC about a debt owed to XXXX University. This debt is not my debt. Also the monies owed were sent to this agency/office that has not provided details of the debt. I deserve details broken down of where this amount is generated from. Debt should be described in detail to the party that owes the debt. Not a one page letter sent showing only the amount in total. This amount could come from anywhere and anyone wanting someone like me to give them money. I am also filing complaints against XXXX University for reporting this information if they did in fact do so.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60164	Web
I have an outstanding balance with my School University of XXXX XXXX XXXX. They sent my account to the collections agency William and Fudge. I called the agency PRIOR to my account reporting negatively to the credit bureaus. I was informed by me setting up this payment arrangement, that it would not report. However, here we are weeks later, I have been making consistent payments and in the middle of trying to buy a home, my credit has been DEDUCTED XXXX points because of this. This is very upsetting, I tried to discuss this with the collection agency, but received many vague answers. Please help me.
06/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 61761	Web	Servicemember
I received a letter from William and Fudge , Inc about being delinquent on an account with a bank. I reached out to the bank and they did not have any missed payments or even the account number that I was given to me on on the notice. I have reached out to all my student loan lenders and I have not been delinquent. I do not know how they got my contact information because William and Fudge received my information from the bank that has apparently sent me multiple notices. I've lived in the same address for over 2 years now and this is the first time I have had any interaction with the lender bank.
04/22/2018	Yes	Debt collection Federal student loan debt	Communication tactics Used obscene, profane, or other abusive language	MI 48067	Web
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
10/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46563	Web
I was notified today, XX/XX/2020, via XXXX that a derogatory mark was placed on my credit score from Williams & Fudge Inc for {$1900.00} for XXXX XXXX XXXX XXXX. I was never notified of this debt, never contacted prior to the derogatory mark, never given this amount, and all of my XXXX XXXX XXXX XXXX debt is being paid through my student loan providers with a 100 % on time payment history. I have not contacted this company because it doesn't even look legitimate to me. The amount owed is a random number and I don't owe this / have never owed this random amount via any college related expenses.
12/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89031	Web
On XX/XX/2022, WILLIAMS & FUDGE INC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA WILLIAMS & FUDGE INC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
05/12/2016	Yes	Debt collection Federal student loan	Communication tactics Called after sent written cease of comm	FL 328XX	Web
I have a long history of dealing with Williams & Fudge. They have impersonated police officers & lawyers, and threatened me with arrest. As such I have sent them letters - plural - instructing them not to contact me by phone, and filed prior complaints with the FTC regarding these practices. Tonight at XXXX I received a call from their office in XXXX XXXX, South Carolina, phone number XXXX. When I pointed all of these facts out to their representative XXXX XXXX, she responded that they had never communicated with me before, and then hung up when I asked to speak to her supervisor.
10/23/2018	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NJ 087XX	Web
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.
03/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 902XX	Web	Servicemember
I have sent a letter to WILLIAMS & FUDGE INC in XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. To date I have not received a response. This collection account is negatively impacting my credit that I am trying extremely hard to upkeep for my future and my children. The company responded here via a cfpb complaint attaching copies of bill statements that do not validate the debt, in addition they have not placed a notice of dispute on my credit report account.
04/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 47802	Web
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.
01/24/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AE XXXXX	Web
The company called my number and asked if I was the person they attempted to call. From there they said they were calling to get information about my ex. Why are they harassing me about getting in contact with her, and why they asked to verify if I was me on a recorded line. They should not be contacting anyone other than the person who has a Debt with them directly. I called the number ( XXXX ) and asked who they were and and what is their business. He told me Williams & Fudge but declined to said what is their service industry. This is an unethical business practice.
12/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75211	Web
I keep getting a call from XXXX, from somebody who claims to be a debt collector, and not only do they refuse to reveal the name of their company, but they have yet to send me any of the paperwork required by law, and I have yet to receive a single scrap of paper from them, and it 's been well over a month. The FDCPA requires a written " validation notice '' telling me how much money I owe within five days after they first contact me. This notice also must include the name of the creditor to whom I owe the money, and how to proceed if I do n't think I owe the money.
10/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	RI 02904	Web
The balance of {$90.00} on my XXXX account was supposed to be credited in full before I cancelled service and switched cable providers. Instead of crediting the account the balance accrued charges in increased to the amount of {$250.00} instead being credited to XXXX. I recently received notification that a company called Williams and Fudge opened a collections account with XXXX but I do NOT owe XXXX or this sham of a company anything. They fraudulently opened a collections account without ever contacting me or sending any type of correspondence. Please help
12/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77070	Web
I attended XXXX XXXX XXXX University, located in XXXX, Texas, in the fall of XX/XX/XXXX. After attending the school for a little over 3 weeks, I decided to resign from the university simply because it was n't a good fit for me. I set up a payment plan with the university to pay for my tuition and paid the first installment while I attended the university. About a year later ( XX/XX/XXXX ) a collection agency calling on behalf of the university says I still owe the university {$2500.00} for the rest of my tuition and the months I did n't attend the university.
05/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32303	Web
I checked my credit and saw an account from Williams & Fudge for XXXX XXXX XXXX for {$850.00}. At the time that I ended the school program, I lost my job and was the victim of a XXXX XXXX that caused my kids and I to become XXXX. Therefore, I was unable to take care of my monthly bills. It has taken some time to fully recover and now COVID19 has caused my employer to furlough my role. I am trying to fix my credit and right some of the wrongs. the debt is five years old, so I would like to settle with {$400.00} and have the debt deleted from my credit report.
10/07/2023	Yes	Debt collection Federal student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	CO 80634	Web
I have requested for proof of licensing to collect in the state of Colorado. In the state of Colorado by law debt collectors must have a license to be able to collect in the state. This entity has no license in the state of Colorado to collect a debt which is illegal. They have provided a license number however, I am un able to verify their license with the State of Colorado. Their license number is not showing up on the state records. License Number XXXX. Please send the state agency issuing license address and phone number to closely verify your license.
06/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 900XX	Web
I have recently reviewed my credit report and saw a collection from a company called WilliamFudge I don't know who they are and I have never done business with them. I attempted several times with the company to rectify however they have not responded. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
03/12/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90038	Web
i was contacted by a XXXX acquaintance. this debt collector found correspondence between him and i on XXXX and they called his personal phone number to ask for information about me. he contacted me with concern. when i called this number back i told them they could not call people i barely know through social media to contact me. i was yelled at, and told " you WILL listen to me '' which upset me so badly i screamed at the woman on the phone and hung up on her. it is one thing to call family members. but to call people who barely know me is unacceptable
10/21/2021	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	CO 80111	Web
Today ( XX/XX/2021 ) I spoke with a woman from Williams and Fudge Inc. who was extremely rude and talking over me. I attempted to file a complaint with the company however the supervisor I spoke with initially did not follow what he had promised. The second supervisor I spoke with disregarded what I was attempting to tell him in regards to the way I had been handled and treated. I tried to resolve this issue with this company however I feel harassed and abused but their repetitive phone calls, lack of understanding and way in which they handle people.
08/02/2021	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 654XX	Web
Predatory Debt Collector refuses to state when Statute of Limitations on my debt expires. Company clearly, as shown in attached documents, altered dates and added a " phantom '' repayment unsupported by their primary documents to add a year onto repayment term so that they could avoid Statute of Limitations for Student Loan debt, which was set to expire only a few months after their purchase of alleged debt from XXXX XXXX XXXX. Used falsified dates to create legal documents for another debt collector to pursue legal action against me and my father.
06/20/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	SC 29210	Web	Servicemember
XXXX University failed to communicate with me about a debt that I owed. When I was in school they notified me that I did not have financial aid, when I was in the second week of the school term. Instead of offering more loan services, I had to drop classes or incur more debt. They never sent me an original bill at my address and I had a XXXX balance at this institution. I am being contacted by Williams and Fudge, a debt collector, collecting {$1000.00}. I do n't think this debt is valid. I asked him to validate the debt for me and he could not.
04/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92026	Web
I am writing in regard to a debt collection statement that I recently received from Williams & Fudge Inc., on behalf of XXXX XXXX University, XXXX XXXX. The statement indicates that I owe a debt of {$3700.00} to the university. However, I must inform you that I never attended any classes at XXXX XXXX University, XXXX XXXX. Due to a medical issue, I was unable to attend any classes so I unenrolled before the fall 2022 semester. I have already sent an email to the university explaining this situation and requesting that the charges be removed.
07/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76051	Web
WILLIAMS AND FUDGE INC. Collections negative mark with zero attempts to collect before reporting : Today, XX/XX/2021 I received notification from XXXX XXXX that a derogatory mark has been added to my file. When I opened the remark it was a collection for {$290.00}. The collection stated it was two months old. Yet, I had no notification of the debt not by phone or letter. Absolutely unacceptable. My credit has been between XXXX and XXXX until today when it dropped -29 points due to this collection Absolutely deceptive and unfair practice.
07/27/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MD 20910	Web
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.
10/01/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 49509	Web	Servicemember
Williams & Fudge Inc. Has performed 4 ( Four ) Hard Inquires on my credit report, according to XXXX . All inquiries were not authorized for as I'm not currently conducting the business of any kind with this agency. Their unauthorized inquired continue to harm my creditworthiness as I'm currently rebuilding my credit and these tactics will continue to prevent me from successfully gaining a healthy credit status on my record. Inquiry # 1 - XX/XX/2019 Inquiry # 2 - XX/XX/2019 Inquiry # 3 - XX/XX/2019 Inquiry # 4 - XX/XX/2019
01/03/2022	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	CA 92504	Web
I am being harassed for tuition from XXXX XXXX XXXX XXXX and Williamd & Fudge Inc. for a semester of school that I never attended due to the COVID shut down. I unenrolled for the 2 classes with the school 3 times. The school was shut down due to COVID and classes were all changed to online which I never agreed to or attended. I have learning issues and online learning would not fit my situation. the bill is XXXX and in collection and it is not accurate. I have paid for all of my schooling that I have attended in the past.
07/11/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80013	Web
I had a XXXX loan that was only to be paid back if i didn't finish the program. i was unable to finish the program or reenroll. Now I am trying to reenroll and they tell me i have a collection i need to pay from a collection company first. When i called the company they refused to send notification of the debt and said that its XXXX higher then my loan amount. They won't give me an account number or send notification. I need help resolving this as i don't feel i should have to pay this without knowing what its for.
02/24/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CA 94533	Web	Servicemember
I received a debt collection letter from Williams & Fudge Inc for the College of XXXX Nevada stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX, XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything.
08/14/2023	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 47130	Web
I have a payment plan scheduled for the XXXX of every month. I have explained my financial situation and my inability to pay more. The company calls me repeatedly every day from several numbers, emails me and has contacted my employers several times even with a payment plan in place. After informing the company that I do not work for a previous employer they continue to contact them as well as my XXXX ex partner, divulging information as to where I am currently living and my current phone number.
02/13/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MI 48103	Web
I spoke with the XXXX and XXXX in XXXX and requested information about repayment options to be sent via email. They confirmed my email address but never sent options. Instead they called and harassed multiple family members and called multiple times in order to contact me. When I requested the other numbers be removed from my account they did not honor the request and said they must keep those numbers on file and they are in their rights to call multiple times in the day and call multiple numbers.
07/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH XXXXX	Web
I continue to receive correspondence surrounding this account and my attorney has advised me to submit a request for this to be reflected accurately within the credit agencies. This was discharged with a bankruptcy in XXXX 2014. I have attempted to contact this collector and have sent copies of the documentation presented here ; however, there has been no response. Therefore, I am seeking assistance with resolving this matter with the hopes that a formal complaint will initiate this correction.
04/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35802	Web
Between XXXX I attended the University XXXX XXXX XXXX XXXX for an XXXX degree. After submitting all the requirements and getting the financial aid letter from their school department with the eligibility to pay for my classes, they declined and re-issued a new letter stating that I was unable to get any financial aid. All of this came after the withdrawal deadline which they obviously know and did it purposely. I am demanding to this institution fully stop any further form of debt collection.
11/10/2023	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MD 20601	Web
I disputed the amount on Monday XXXX I was contacted XX/XX/10 about the debt. Never received the paperwork going over the dispute. I told the person on the phone that I disputed the debt and told him he shouldnt be contacting me until I get the info that I am requesting. The person on the phone claimed to have emailed it to me. When I told him no he didnt he then said he did not have a valid email for me- which is a lie because I have received communication via email from this collector.
10/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44145	Web
XXXX sent me books and wanted payment for them. I was not nor ever have been enrolled at XXXX, therefore I did not ask for or need the books that XXXX sent to me. I eventually sent the books back ( I have USPS receipt albeit a faded one ). They said they never received the books and wanted me to pay them {$200.00}. I refused to pay, one because I never asked for or used the books and two because I sent them back. They sent the bill to collections and it has damaged my credit terribly.
01/31/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 366XX	Web
On a recent credit report this company Williams & Fudge reported a Collection on my XXXX report dating a debt of {$7500.00}. I do not know of this debt & it is not mine. I have not received any information, not a dunning letter or anything from this company regarding this so called debt. They are not suppose to place a collection account on my credit report without sending me a letter stating what this is anyway. I do not owe this debt & want this deleted from my credit report ASAP.
02/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27615	Web
I 've sent a letter to Williams & Fudge explaining that the debt they have reported I owe, I do not. I requested a validation of debt owed, and that information was not provided to me as requested. I also have asked previously through harassing phone calls attempting to collect this debt for validation, and nothing has been sent to me. I have yet to see acceptable proof that this debt is owed. By law, they are required to provide this information within 30 days, that was not done.
11/16/2022	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	ME 04005	Web
The collector has not been able to properly identify with me through written communication the validity of this debt. In addition, attempts to collect this are invalid because this was sent over by a school Ive been to that incorrectly billed me instead of the XXXX amount I had. In addition, the creditor refuses to acknowledge any information I have sent to them regarding this matter and will only correspond via email. I have received no letters, mail, or calls from these people.
12/11/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	WA 98662	Web
On XXXX XXXX, 2016 I recieved a notice on my credit report that the Debt Collection Company Williams & Fudge Inc. had posted a collection account on my credit report. I was never notified by phone or mail that I had a collection account with Williams & Fudge Inc. as required by law. Because I was n't notified about this collections account I did not have the opportunity to resolve or verify the accuracy of the account to respond on whether the account belongs to me or not.
05/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77073	Web
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.
04/01/2019	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	NC 28546	Web
I receive a call every single day at WORK. A co-worker of mine has answered a few times and my coworker was told personal information related to my account. The caller assumed they had reached my desk when in fact I was out of the office so the call was automatically transferred to someone else. When that person answered the caller assumed they had reached the right person and proceeded to provide my first and last name as well as what they were calling in regards to.
12/11/2020	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60115	Web
On XX/XX/XXXX, my father recieved a call from Williams and Fudge regarding my student loan debt of just over {$9000.00}. I left school in XXXX and had a payment plan set up, though Covid 19 had put that on hold. My father was threatened that if I do not pay my loan debt, they will begin garnishing his paychecks instead. This call and threat are illegal under the Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692p, mainly parts 805 section B and 807 section 4.
04/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63501	Web	Servicemember
Hello, I attented XXXX and after transferring to the XXXX XXXX XXXX in XXXX, Williams and Fudge contacted me and said that I owed them {$1200.00} on XX/XX/2020 through my phone number and personal email, which I never gave them access to, and I thought that this debt was valid so I had set up a payment plan with them but as I am a student I was unable to keep up with the payments, The company then continued to harass me constantly to continue to collect the debt.
11/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75150	Web
This account has showed up on my credit reports, I do not owe this amount to any XXXX XXXX XXXX I contacted the XXXX and the social they have on file for this account is NOT my social security number. This account was first delinquent in XXXX, I arrived in XXXX a few months ago. How could I have attended this school? Please delete this from my records. I am attaching my work permit so you can see I have been in the country since XX/XX/XXXX. I want this deleted
06/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43235	Web
My family members ( Grandmother and Mother ) are consistently receiving collections calls from Williams & Fudge on a debt I do not owe. They are looking for someone with my same name, that has an outstanding debt with a college in the XXXX XXXX area. I have never lived in California and we don't have the same birth date. I repeatedly have to call them and say you are looking for the wrong person, just to have someone call back. This has been happening since 2012!
06/27/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23238	Web	Servicemember
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.
09/25/2020	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MN 559XX	Web
XXXX XXXX XXXX will not respond to my requests. XXXX XXXX hung up on me when I told her that I lost my job due to covid and was making a lot less than what I was and told her I couldnt afford the payments they were wanting of {$400.00} a month for payments. And she hung up on me when I told her that I was in welfare. William and fudge actually hired the firm. I want to make sure that this debt is valid. This has been docketed as a judgement for {$29000.00}.
09/09/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	NC 27265	Web	Servicemember
This debt was disputed on XXXX/XXXX/16 via email. A response was not received for the dispute. Moreover, debt collector sent XXXX harassing emails within 2 hours. Debt collector first called my phone XXXX XX/XX/XXXX at XXXX from XXXX leaving a voicemail but sent no other correspondence. The debt collector has tried to make the communication sent on XXXX/XXXX/16 looks like it is a law firm and threatens to charge interest, late charges and other charges.
11/18/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	MD 20772	Web
I had a private student loan issued by XXXX XXXX XXXX in about XXXX to attend XXXX XXXX University in XXXX, MD. After graduating from college I had some difficulty repaying that loan and in turn XXXX sold the loan to a collection agency. Once the loan went into collections I made arrangements with the debt collector and have been making on time payment in full as scheduled. My complaint is that these payments are not being reported to the credit bureaus.
03/21/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	VA 20170	Web
Williams and Fudge is reporting a collection account from XXXX University on my credit report. I have not received ANYTHING in the mail from this company advising of this account and my right to dispute. This company can not report this account on my credit report without first providing notice of the debt and my right to dispute it and ask for validation. This is against the law. I have not received anything from Williams and Fudge about this account.
03/27/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WI 541XX	Web
The company called a relatives personal cell number regarding this debt. They already have my contact information yet got the contact information of people unrelated to this debt and have called repeatedly, dates as follows : XX/XX/XXXX XXXX cst This call was made from representative XXXX XXXX, phone number XXXX for Williams & fudge inc to phone number XXXX XX/XX/XXXX from phone number XXXX, left voicemail XXXX XXXX cst from number XXXX, left voicemail
11/05/2019	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90026	Web
Williams and Fudge employee XXXX XXXX has called multiple third parties asking if they know me but stated that he does not know me personally. He has called an aunt and a co worker with whom I do not speak to on a regular basis. The debt he is asking about is a false debt, not owed and is an incorrect amount. I am already paying that student loan debt through XXXX. XXXX needs to stop all contact to any third party that he feels is connected to me.
02/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 246XX	Web	Servicemember
I was jotified of a collection on my credit report in XX/XX/2021. I contacted the collection agency for more information and determined that the debt was a result of identity theft and was referred back to the original creditor, XXXX XXXX, to dispute. I contacted their customer support via phone and was not adequately assisted. I have filed a police report regarding the identity theft. Yet XXXX XXXX will not assist me in removing the negative item
10/10/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NV 89031	Web
Not sure if I have this marked under the correct section. Here is the issue. I checked my credit score last week and seen this XXXX had put something on my credit report. The issue I have is they reported it 2 times on my credit report which dropped my credit score greatly and now I am having trouble getting credit I needed. I called them and they acknowledged in error they put it on there 2 times it should of been removed immediatly in my opinion
11/15/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	MI XXXXX	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on WILLIAMS AND FUDGE I ( Original creditor : XXXX UNIVERSITY ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
04/25/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 15205	Web
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.
07/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34761	Web
XX/XX/XXXX-XX/XX/XXXX I was supposed to recieve XXXX on my baseball scholarship. Balance was XXXX at XXXX university. So the balance was supposed to be lower to XXXX. XXXX sent it to collection now the balance is XXXX which is the wrong a month overall. I have had lawyers and congress woman XXXX XXXX send letter to them but they have no responded. Due to lack of compliance of my dispute I would like that debt to be removed from my credit.
07/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web
Returning to school and work from XXXX. Limited income school went from {$400.00} for the semester to over {$1800.00} which I didnt have so after speaking with my counselor I unenrolled from the school. Never received or completed the course work, im being billed and sent to collections dropping my XXXX score over XXXX points for something I never received, do not have access to these courses nor the credits from them to owe almost XXXX.
11/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85008	Web
XXXX : I reviewed my credit report and saw a collection from XXXX XXXX. I do not owe this debt. This company never attempted to call me or write me a letter, so that I could dispute this debt. My contact information is the same. I am requesting that this debt of {$5200.00} be removed from my credit report from this company. I would have appreciated a letter or call, because my credit was impacted. Please remove this debt from my report.
08/07/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 243XX	Web
I have asked repeatedly for them to stop calling me. They call sometimes minutes before XXXX even after I've asked them not to contact me after XXXX. One women said simply we will continue to call. After asking her to cease and desist all communication, Indicating they are aware they are harassing me and plan to continue to do so. The debt is XXXX years old and I don't even agree I owe it. They call almost every morning or every night.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 794XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/23/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 11217	Web
I am TOTALLY and PERMANENTLY XXXX. SINCE 2016 XXXX has been trying to obtain Perkins Loan details from XXXX XXXX XXXX ( XXXX ) in order to write-off {$2400.00} from XXXX University. XXXX refuses to send the write-off info. I am receiving COLLECTION CALLS and EMAIL from XXXX and XXXX XXXX which is a collection agency connected with XXXX and XXXX. I need your assistance to get XXXX ( XXXX ) to email the necessary info to : XXXX XXXX
06/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89002	Web
I recently retrieved my credit report and found out that there is an outstanding {$120.00} balance from my current college, XXXX College, that was apparently sent to collections and has still not been paid off until this date ( XXXX 2015 ). I work at the XXXX and I have reviewed my personal account in detail a XXXX times, and never have I seen an outstanding balance nor any evidence that my account was ever sent to collections.
08/12/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 151XX	Web
I received my first written statement by mail about a college tuition debt that I owe to Williams and Fudge, the statement was dated XX/XX/20. On XX/XX/20 a representative from Williams and Fudge called my wife 's phone and left a voice mail stating that they were calling about the debt. My wife 's voice mail message clearly says that it is her voice mail, but they left a message on it abut my debt. I have the message saved.
02/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 891XX	Web
Several years ago I put into a web online shopping cart system a class at XXXX ( University XXXX XXXX ), I never fully checked out or agreed to enroll in the course. Somehow they are claiming I enrolled, I never fully completed the online checkout or to my knowledge ever agreed to enroll. It 's analogous to an abandoned shopping cart. It 's simply a case of being an online customer who never completed their purchase.
03/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CT 06604	Web
I sent a letter to Williams & Fudge Inc about a collection on my credit report on XXXX. The company received the letter on XXXX and have failed to validate the debt in the 30 day time frame or mark the debt as disputed so i sent the company a second letter on XXXX which they signed for on XXXX. I have still not received any response to either of my letters and the account has not been updated to the disputed status.
08/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20602	Web
On XXXX, i received a credit monitoring alert that a collection was added to my XXXX credit file, William and Fudge. Upon review, I have no knowledge of this collection company and never received any type of debt validation letter, verifying debt or being given the opportunity to dispute or even the balance as well as the name of the creditor. As a result this has caused my credit score to decrease by XXXX points.
09/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19061	Web
I never was enrolled in the school, they are sending me emails William & Fudge Current Creditor : XXXX XXXX XXXX Amount : {$9600.00} They have called numerous of times and I was also at one point threatened by one of their male employees XXXX XXXX XXXX XXXX Amount : {$2600.00} I talked to someone 2 years ago who told me that the account was overdrawn, but I have only had an account with XXXX XXXX and XXXX XXXX
07/19/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37043	Web	Servicemember
I owe a debt to my old university of a few XXXX dollars, basically for the past 2 years Ive been called non stop it used to be once a month then once a week then daily now its 2-3 times a day, Ive paid some of it before but I dont even see the debt on my credit report and its supposedly in collections Ive told them I just cant afford to pay on it at the moment but its just constant with these people calling me.
06/02/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33578	Web
Contacted by Williams and Fudge Inc. on XX/XX/XXXX about a debt " owed '' to XXXX XXXX XXXX from XXXX. I appealed this debt with XXXX in XXXX, and have had no contact since. Debt is beyond the Statute of limitations in all 3 of : the state the debt originated in, the state I currently live, and the state in which collections agency resides. Agency 's collection practices violate timelines mandated in the FCRA.
12/31/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 779XX	Web
On XX/XX/19 XXXX XXXX XXXX, from Williams and Fudge Inc. Had cold called a family member constituting that she was trying to contact me and I had put down my family member as a job reference. Which I have never done before nor do I even have that family members number. She attempted to retrieve my information on the basis that she was an employer and left her number for me to figure out who she really was.
07/04/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75154	Web
I recently reviewed my credit report and saw that an account was sent to collections from Williams & Fudge Inc. The original amount for the reported debt was {$610.00} and now reporting {$950.00}. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay.
02/08/2018	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA 95762	Web
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.
02/28/2017	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	VA 22030	Web
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.
02/19/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	AZ 85260	Web
Williams & Fudge ( located in Virginia ) repeatedly called and harassed me after I asked to stop and hung up several times. This was all for a bill for my XXXX school that was already paid for. They called me from a number that was disguised as my work office, or they called my work and had it transferred to me. I just checked my credit score, and it dropped 25 points from claims against my reputation.
09/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 94103	Web
William & Fudge keeps calling me and my spouse. They claim I owe money from a balance of about {$600.00} to XXXX University. I attended XXXX XX/XX/1998. I also contacted the school, 7 years ago because of the hold I had on my account, and they told me that it was an error and released my transcripts. It seems to me that Williams and Fudge has tried to add to the balance of a debt they bought from XXXX.
04/07/2017	No	Credit reporting	Credit reporting company's investigation Problem with statement of dispute	OH 44646	Web	Servicemember
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.
10/07/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	VA 235XX	Web
I paid my full balance to XXXX XXXX XXXX XXXX XX/XX/2020. In XXXX 2020 I have been getting calls from a 'debt collector ' William and Fudge saying I owe {$340.00}. XX/XX/2020 XXXX XXXX informed me I owed {$1000.00}, I wrote a check for the total, exactly what XXXX XXXX informed me. There were no warnings from the school before or after that they would send anything to collections. Seems like a scam.
10/22/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	MI 48706	Web
Calling XXXX a day for well over a month and leaves blank voicemails most of the time. I sent a certified letter asking for proof of the debt and to stop ALL communications until this has been done. So far that letter has been completely ignored which is why I am contacting you. They are not only calling me, but also other people that I know which have nothing to do with anything loan related.
08/14/2023	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	MS 395XX	Web	Servicemember
The loan is currently with William & Fudge Collections. They aren't able to produce any signed documents stating I put in for the loan. Even if they did, and I wanted to pay them off, they still want me to pay 80 % of the bill and are holding my transcripts until then. I want to go to school. Please help. This has been going on since XXXX the debt is from XXXX and I still can't go to school!!
12/20/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 301XX	Web
Williams & Fudge Inc. Phone number XXXX has continoiusly called me while at work, after I have told them numersous times the hours I work, yet they have continued to call me for months. I can see in my recent call log a phone call on Friday XX/XX/XXXX, Monday XX/XX/XXXX and today XX/XX/XXXX. Its almost daily that they call me despite me telling them when I am available outside of work.
07/31/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 38111	Web
Williams And Fudge Inc at XXXX XXXX XXXX, XXXX XXXX, SC XXXX has contacted me in regards to a collection Im the amount of {$1300.00}. The collection has been reported past due balance. I dont know this company. I have never done business with this company. I have no knowledge of this company or how it has a past due balance. This company does not have a contact with my signature.
12/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98208	Web
I was contacted by an individual who identified herself as XXXX XXXX and said she represented Williams and Fudge Incorporated. She requested contact information for a friend of mine but gave no reason as to why she wanted to contact him. This is extremely suspicious and it does not involve me. Please fine Williams and Fudge Incorporated heavily for violating the do not call act.
05/05/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	CA 91913	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
04/10/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	FL 33825	Web	Servicemember
My last term at XXXX XXXX University XXXX, I was enrolled in two classes without my consent. I did not register for classes purposely due to a family emergency that took me out of town. Someone at XXXX took it upon themselves to register me for two classes costing a total of {$3500.00} ... account XXXX. Since I didn't register for the classes, I am not paying for them.
08/06/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	MD 20705	Web
The company name is Williams & Fudge , INC . Ive been receive called from them, threatening me multiple times. I got tired, they told me that I owned {$8800.00}. They send me a letter to make payment right away. I dont have nothing to deal with this Company. Today XX/XX/2019. They tried to collect my personal information. Im afraid my personal identity is not safe.
10/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 305XX	Web
It was a late fee from a school. I paid the debt to the school directly in XXXX 2016. It is XXXX 2016, and they continue to attempt to collect a debt I do not owe. Furthermore their collection tactics were illegal. They would call me repeatedly throughout the day, 5-6 days a week on my business phone line even after they were informed that it was a business line.
02/06/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	HI 96826	Web
Received a call during working hours from XXXX. The caller would not identify company name or purpose of call, but was asking for my personal information and social security number. Finally, she stated she was with Williams and Fudge, but would not tell me what the call was regarding, and kept asking for personal information : social security numbers, etc.
12/31/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IN 477XX	Web
I do not know who this comany is yet they popped up on my consumer report. I have never recieved communication from this company. pursuant to FDCPA they are to get in contact with me about this alleged debt. They took it upon their selfs to violate my consumer report and just hinder my life by droping my credit score and slandering my name and reputation.
12/16/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	IL 624XX	Web	Servicemember
William 's and Fudge, Inc has made several attempts to collect debt that they can not verify. I have asked for verification of debt proving I am responsible for the debt. It has not been confirmed in the mean time the company proceeds to charge me fees and ignore my requests stating I never asked for validation of debt even though I did and can prove it.
11/17/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TN 37659	Web
Requested proof of debt, including any documents I signed stating I would pay the debt on top of outrageous interest charges. They told me several times they were attorneys over the phone. They have called me for 4 years even through the pandemic. Very rude and aggressive over the phone and have yet to send me anything verifying I actually owe anything.
02/08/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	FL 34761	Web
I currently have a student loan in collections that has a balance of $ XXXX.When i called the collection agency Williams and Fudge Inc.they gave me a settlement offer of $ XXXX.Is it legal to charge over three times the balance? I would like to pay off the full balance but i feel that {$5700.00} is a bit excessive .Do i have any options in this matter?
08/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	CA 93291	Web
Collector called my employer asking what days I worked. It is against our policies to tell others a employees work schedule.so my employer called me saying they called and left their name. I called collector back and told them they should of left me a message on my phone instead of calling my work. They relied, they are n't allowed to leave messages!
11/18/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	CA 94533	Web
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.
01/24/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	VA 22201	Web
All student loan payments were completed early XXXX. I moved to a new address mid XXXX. However, I am still receiving communication from debt collection agencies requesting that I send them more money. All credit card and student loan debt reported on my credit score should have been offset by my XXXX federal tax refund. But they were not.
05/16/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	GA 30127	Web
My university fowarded this company my " debt '' for classes I was unable to attend and did not pay for. I have an appeal pending to resolve the issue. In the meantime, this collection agency has made frequent calls to my cell phone and is now calling family members who have no connection to this contested " debt ''. It is harassment.
08/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23669	Web
I paid a debt owed to XXXX XXXX and received a copy of the account balance that showed {$0.00} being owed and Willams and Fudge XXXX XXXX XXXX XXXX XXXX, SC XXXX, refused to take the collection off of my credit despite being told and receiving a copy of the updated account balance. it has been over a week since they were contacted
05/04/2022	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80015	Web	Servicemember
My daughter received a phone call XXXX XXXX and my daughter was very upset after a strange woman calls and asked for her dads address, where he works, phone number to be reached, her relationship to me. Completely unprofessional and disrespectful. I have also asked her NOT to call me and the very next day at XXXX she calls again.
12/30/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 377XX	Web	Servicemember
Has been notified twice that I am not the person for the debt they are trying to collect. Repeated calls for another person in which they failed to identify the company they represent and that their intention is to collect a debt. Opt-out specific language was provided and cfpb cease communication letter was mailed on XX/XX/XXXX.
05/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30228	Web
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.
01/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60620	Web
I have no contract with this company and no one has ever reached out to me in regards to this debt written or verbally. It is illegal to put something on a credit report without consent and not letting the other party know about it. Furthermore, this debt is unverified and there is no real proof that I in fact owe this debt.
02/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 902XX	Web	Servicemember
Upon checking my credit report through XXXX and XXXX there is a new debt collection account that I am not aware of. This unauthorized account is from WILLIAMS & FUDGE INC and the creditor is XXXX XXXX. The amount they are stating is {$410.00}. This is unethical and not correct as I do not have any knowledge of this account.
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48237	Web
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights.
08/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92821	Web
I applied but did not accept admission into California XXXX University XXXX XXXX and was contacted almost 2 years later that I owed them a substantial debt for tuition. The school was non-cooperative and sold the debt to a debt collection agency. This is not my debt as I have never attended or enrolled in this school.
03/22/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28216	Web
A person by the name XXXX XXXX ( XXXX ) called my place of work multiple times asking for me by name. When I looked up the phone number it states its a debt collector. I am not aware of any debts and it is illegal for a debt collector to call your place of work. Since it was multiple times I found it as harassment.
02/10/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	AL 35806	Web
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}
12/23/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	TX 76133	Web
The Williams and Fudge is trying to collect a debt from the school XXXX XXXX of XXXX. I do not owe that money because the XXXX XXXX schools are being shut down due to multiple accounts of predatory lending and usage of high - pressure tactics to increase enrollment. Over half of these schools are already closed.
02/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web	Servicemember
Williams and Fudge from phone number XXXX XXXX XXXX have tried to contact me on a recorded line. They would not initially disclose who they were and have still not disclosed what they are looking for from me. I have no debts currently. I suspect that this is some kind of fraudulent attempt at stealing from me.
09/25/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	AL 360XX	Web
Collections company reporting for student loans from XXXX XXXX after I called and dropped classes before the date due to having XXXX XXXX. I did not return back to school and terminated all classes for all semesters. The school is fraudulently charges me and sent me to collections improperly and unfairly
07/20/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	FL 32092	Web
Debt collector continues to call my family members daily even after they asked him to stop. He also disclosed private information about my debt to XXXX of my family members. And is using his name when he contacts other family members. Also calls my phone and their phones repeatedly throughout the day.
01/05/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
Upon checking my credit report I noticed a new inquiry from a company called WILLIAMS AND FUDGE INC. The company is reporting negatively and I have no clue as to who or what this company is as they have not mailed, emailed, or called me regarding the debt prior to reporting negatively on my report.
06/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19468	Web
I found out my information was leaked to the dark web and I start noticing accounts on my credit I did not recognize and and now they are in collections I reached out to the creditor and I disputed the account and they refused to remove it. I have also filed a police report for the identity thief.
04/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80439	Web
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.
04/20/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 31015	Web
Williams and Fudge has repeated called and harassed myself, my family and my pace of employment in regards to an assumed debt in my name. I have repeatedly asked them not to call me or anyone associated with me in regards to this assumed debt. They have continued to disregard my request.
04/23/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AR 72223	Web
I was sent to William XXXX Fudge collecting agency and was told back in 2017 that XXXX University Online and XXXX University Online had broken the law regarding the scare tactic and threaten to send me to jail over a debt that I had never owed and was not to have enrolled in their school.
02/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	AZ 86004	Web
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.
08/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10030	Web
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
08/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90066	Web
I have been called several times by XXXX XXXX with Williams Fudge Inc. - phone XXXX, regarding a debt that is not mine. I have told her this XXXX times and asked to be removed from the call list. On XXXX, she called me again and ALSO called my wife about the debt I did not owe.
07/13/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	CO 80110	Web
Three years after graduating, I get a call saying my private loan will go to collections. I never once received a call, email, letter, ect and I'm already paying off my other student loans. This whole time was during the student freeze so I'm feeling stressed about the situation.
09/19/2018	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	CA 93940	Web
-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.
12/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78418	Web	Servicemember
Williams & Fudge is continuing to report an account to my report, even after requesting validation. They never sent me the proper validation but yet continues to report this debt to my report at all credit bureaus ( XXXX, XXXX, and XXXX ) after contacting them in XXXX of XXXX.
05/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DE 19701	Web
I was contacted on XX/XX/2021 by Williams and Fudge XXXX. XXXX XXXX XXXX XXXX, SC XXXX about a college debt. I was told that it would be on my credit report after 60 days if not paid. I requested validation. Information sent to me shows that the account does not belong to me.
09/06/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	AL 350XX	Web
The lady keeps calling over and over and will not tell me what the debt is about but keeps asking for my personal information. I asked her not to call anymore and she will stop for a few days and then start calling every day again. I do not even know what bill this is about.
11/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23434	Web
I received a notice from Williams and Fudge bi have never had an account with them nor XXXX. This is fraud and I am convinced my bf did this. I submitted a FTC report and filed a dispute with the CRAs and ask that this item be deleted as they are violating FCRA and FDCPA.
10/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93033	Web
I have a collection on my credit report from Williams & Fudge. I paid the school directly and I called the collection agency to get this out of my credit report and I have n't seen this remove. I have called them and left a message and sent them emails about this as well.
07/11/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 191XX	Web	Servicemember
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
06/05/2022	Yes	Debt collection Private student loan debt	Communication tactics Called before 8am or after 9pm	AK 99645	Web
Contacting me at absurd times of the day and continuously call during my work hours. No letter sent to me from them regarding my debts & originally debtor did not contact me in any effort to resolve this debt. I had auto payments and changed banks- I was never contacted.
05/04/2020	Yes	Debt collection Private student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77545	Web	Servicemember
I tried to enroll in school explained that I wanted to make sure I was getting my financial aid before I started the academic advisor signed me up for classes before it was finalized I didnt get funded now I owe a bill this was unethical and I dont want this on my credit
09/24/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CO 80634	Web
I have requested for proof of licensing to collect in the state of Colorado. In the state of Colorado by law debt collectors must have a license to be able to collect in the state. This entity has no license in the state of Colorado to collect a debt which is illegal.
05/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
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.
10/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11412	Web
XXXX credit report now reflects XXXX derogatory remark from Williams and Frudgefor {$6100.00}. Debt is unknown. No notification or explanation given prior. XXXX called approximately 1 week ago for validation of debt. None obtained to this date.
10/24/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OR 972XX	Web
I sent a request for validation of debt to Williams & Fudge Inc. on XX/XX/2019. I still have not received proof of debt from this company. They made contact with me via phone on XXXX/XXXX/2019 and still did not provide any validation of debt.
11/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30252	Web
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
12/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 604XX	Web
I have no knowledge of this debt or the creditor. This is reporting as a recent open account to the credit bureaus and I ha XXXX no knowledge of this account, the debt or the creditor and it is negatively affecting my credit profile.
05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	SC 29730	Web
This individual contacted my father, who is in another state, and disclosed that he was collecting a debt to him. I have not lived with my father in over XXXX years. They made ZERO attempt to contact me before calling my XXXX father.
03/13/2018	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	FL 32505	Web
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.
01/27/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77096	Web
On XXXX XXXX I mailed a letter to Williams & Fudge informing them of the charge off they listed through XXXX. Williams & Fudge provided a deceptive document to verify the alleged debt which is violating me as a consumer.
02/18/2017	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA 30152	Web	Servicemember
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
08/08/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OR 97502	Web
Phone Calls from Williams and Fudge using same first three digits : XX/XX/19 : 4 Calls XXXX XX/XX/19 : 3 Calls XXXX XX/XX/19 : 3 Calls XXXX XXXX : Multiple Calls from same or similar numbers between 2 -4 times a day.
05/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31907	Web
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.
12/16/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Need information about my balance/terms	CA 92058	Web
I Do not know of Williams and fudge collections with a student loan amount from XXXX university. I do not know Williams and fudge and requesting to be removed as it 's reporting to the CB and negatively affecting me
06/19/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32301	Web	Servicemember
On XX/XX/2020 this new alleged collection account appeared on my credit report. I didnt receive anything in writing about this debt. I have no knowledge of this collection account this account do not belong to me.
04/22/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	UT 84606	Web
XXXX XXXX calling on behalf of Williams & Fudge , Inc. is calling my employer twice daily. He is belligerent and harassing the office manager. This has been going on for about a week now with no sign of stopping.
03/07/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	CA 902XX	Web
This agency constantly called a place i consult for work, This might effect my relationship with this employer, negatively impacting my ability to work. I was told that they kept on calling. That is not right.
09/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MI 49509	Web	Servicemember
Williams & Fudge I, has performed a Hard Inquiry from my personal credit report on XX/XX/2019 without my knowledge or consent to this action. I'm not currently performing any business with this organization.
05/03/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	FL 320XX	Web	Servicemember
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.
08/30/2023	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	NC 28403	Web
The debt collected called a high school friend in order to confirm my contact number. I am unsure how they got one of my friend 's phone numbers or why they were contacting a friend of mine about my debt.
03/07/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AK 99507	Web
Williams & Fudge repeatedly calls me after I've asked them to stop calling with different numbers in an attempt to contact me. They deny my request by continuously calling every day multiple times a day.
05/22/2023	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CO 80229	Web
Williams & Fudge has been trying to contact me since XX/XX/2022. I have received repeated calls per day on some days, and they have contacted my relatives, including my father, sister, and stepfather.
03/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93535	Web	Older American
This debt is not mine. I never signed a contract with this company William and Ferch or XXXXXXXX XXXX I have never lived in XXXX XXXX XXXX Nevada. I have been at my home address for 10 to 13 years.
08/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MA XXXXX	Web
Ive notified this company of my XXXX and that Im classified as collection proof. Im still being contacted and the company continues to attempts collection on a 7 year old debt Im not liable for
09/22/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	TX 75104	Web
A creditor came to my place of employment at the bank and threaten to sue me if I did not pay back my private loan from XXXX XXXX College in XXXX Texas. I know this is clearly against the law.
05/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 337XX	Web
I owed {$120.00} for XXXX XXXX XXXX. I had mailed {$64.00}. I went to the website and made the remaining {$64.00} by credit card ; however, {$64.00} did not reflect towards the balance.
02/04/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	MI 48331	Web
Williams and Fudge , Inc. has been calling family members, leaving voicemails telling them that I have a defaulted Perkins loan from my university and that they are a debt collector.
10/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 530XX	Web
Williams and Fudge out of XXXX XXXX, SC keeps calling me about a student loan that I have never had. Yes I went to college, but I paid for all my classes with cash, no loans.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 76016	Web
I have reached out to XXXX, XXXX, and XXXX to remove old account information which still appears on my credit file. These accounts have all be paid and or written off.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 76016	Web
I have reached out to XXXX, XXXX, and XXXX to remove old account information which still appears on my credit file. These accounts have all be paid and or written off.
11/13/2022	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	CO 80221	Web
They call me practically every day saying how irresponsible I am, once I stopped answering and blocked their calls they then began to call my Mothers and Aunts phones.
09/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 284XX	Web	Older American
I disputed this account with XXXX and attached a police report and FTC report and showed this account was not mine and they still remove it. This account is fraud
12/30/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IN 461XX	Web	Servicemember
I have told williams and fudge to quit contacting me looking for my daughter on 3 different occasions. They continue harassing me on my home phone number.
02/02/2021	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	NH 032XX	Web
Williams & Fudge Inc. debt collectors repeatedly called my place of employment in the spring of 2018 asking my coworkers to speak with me personally.
01/28/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	CA 92058	Web
I have no knowledge of william and fudge debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me
10/22/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	FL 33830	Web
My debt was paid in full but it was a paid to Delete but its still shows on the other credit companies. My XXXX still shows i owe them money.
11/24/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 07747	Web
The XX/XX/XXXXXXXX XXXX, credit card limit was {$300.00}. Furthermore they told me the balance was {$600.00}, which is the incorrect amount.
09/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 28681	Web
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 )
09/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29710	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
12/18/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	FL 33311	Web
repeated phone calls after they were informed they are using my cellphone minutes. Can not keep incurring charges for unwanted calls
07/13/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OR 97229	Web
They have called my mother, my aunt, my uncle and my father. Even though none of those people I have any form of relationship with.
11/29/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 70117	Web
I was told that i will be sued and also did not see anything in writing about it being put in collections keep getting threaten.
07/31/2017	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 631XX	Web
William Fudge is not licensed to collect a debt in Missouri. Williams & Fudge , Inc. XXXX XXXX XXXX XXXX XXXX, SC XXXX
05/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
Received an statement stating I owe funds to the XXXX XXXX XXXX XXXX but there is evidence that I owe XXXX
04/05/2022	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	WA 98105	Web
Asked for debt verification and failed to verify it or respond to my debt verification letters
08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	UT 84108	Web
I have repeatedly received calls early in the morning, as early as XXXX. I want this to stop.
07/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OR 97229	Web
Williams and fudge trying to collect for a debt that is not owed to XXXX XXXX XXXX XXXX
10/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76112	Web
Sent letter on XX/XX/2018 received response on XX/XX/2018. No validation waa obtained
04/18/2017	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	NC 28217	Web
I only owe {$33.00} they have n't showed that I been paying on this collection
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53218	Web
William and fudge collections. Violates my rights to financial privacy.
02/22/2021	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	FL 33125	Web
Williams and fudge attempting to collect debt with no notice of dispute
06/20/2018	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	LA 713XX	Web
They called my place of work ... harrassing me and my coworkers.
04/23/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
This account was unauthorized. I am a victim of identity theft.
08/21/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	IL 610XX	Web	Servicemember
Would like to make small payments they wo n't let me
12/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30004	Web
This is my not my debt.
08/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
This is not my debt
02/09/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OR XXXXX	Web

02/01/2024	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	NJ 07055	Web

01/29/2024	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	GA 305XX	Web

01/22/2024	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	VA 24060	Web

01/11/2024	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 800XX	Web	Older American, Servicemember

01/11/2024	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	NJ 07430	Referral

01/08/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07104	Web

01/03/2024	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46241	Web

01/02/2024	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	NJ 07430	Web

01/01/2024	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	TX 77373	Web

12/20/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	KS 66062	Web

12/06/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32068	Web

11/27/2023	Yes	Debt collection Federal student loan debt	Electronic communications You told them to stop contacting you, but they keep trying	NJ 08759	Web

11/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33573	Web

11/21/2023	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	GA 30324	Web

11/06/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	KY 42101	Web	Servicemember

10/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77373	Web

10/11/2023	Yes	Debt collection Other debt	Electronic communications Frequent or repeated messages	GA 30277	Web

10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77019	Web

10/10/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11561	Web

10/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28385	Web

09/28/2023	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	MT 59106	Web

09/20/2023	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	GA 31794	Web

09/13/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 31047	Phone	Servicemember

08/24/2023	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78758	Web	Servicemember

08/23/2023	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	SC 29666	Web

08/23/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30294	Web

08/23/2023	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	GA 31794	Web

08/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34987	Web

08/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70072	Web

08/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28128	Web

07/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28128	Web

07/19/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	MI 48085	Web

07/14/2023	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 95242	Phone

07/10/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	TX 76036	Web

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32771	Web

06/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32314	Web	Servicemember

06/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30238	Web

06/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 02126	Web

05/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73034	Web	Older American

05/25/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX 78752	Web

05/24/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30188	Web

05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91915	Web	Servicemember

05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 24504	Web

04/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23188	Web

04/11/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AZ 85142	Web

04/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77042	Web

04/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06790	Web

04/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	RI 02886	Web

04/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85339	Web

03/23/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 92395	Web

03/08/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 71111	Web

02/28/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MO 63031	Web

02/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93446	Web

02/16/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	IL 60707	Phone

02/13/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	GA 30010	Web	Servicemember

02/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 08081	Web

02/09/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	MD 21202	Web

02/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27858	Web

02/02/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75238	Web

02/01/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 27703	Web

01/25/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 15801	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OK 73102	Web

01/17/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 08046	Web

01/17/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92677	Web

01/04/2023	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	NC 27617	Web

01/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77042	Web

12/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 72703	Web

12/15/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 11236	Web

12/09/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 35805	Web

12/08/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WY 82053	Web

12/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44095	Web

11/16/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web

11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73102	Web

11/13/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	GA 30039	Web

10/11/2022	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NC 28401	Web

10/04/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	NJ 08098	Web

09/29/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28277	Web

09/24/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	FL 32209	Web

09/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 74146	Web

09/09/2022	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	MT 59106	Web

09/01/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19082	Web

08/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38301	Web

08/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43147	Web

08/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33976	Web

08/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70114	Web

08/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46406	Web

08/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30052	Web

08/08/2022	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	GA 31794	Web

06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31063	Web

05/31/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NY 11226	Web

05/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 18052	Web

05/27/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77375	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web

04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 91945	Web

04/12/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 14213	Web

03/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32571	Web	Servicemember

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70815	Referral

03/13/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 14904	Web

03/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75104	Web

01/14/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 32219	Web

01/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70879	Web

12/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37040	Web

12/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35216	Web

12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92040	Web

11/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89120	Web

10/21/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 79701	Web

10/21/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	CA 90038	Phone

09/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75219	Web

08/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70068	Web

07/06/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75224	Web

06/24/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	CA 91402	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web

06/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 51466	Web

06/11/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	PA 19131	Web

06/01/2021	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	FL 32303	Web

05/18/2021	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 65441	Web

05/15/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33776	Web

05/13/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	WA 98208	Web

05/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63132	Web

04/29/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33637	Web

04/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95116	Web	Servicemember

04/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89106	Web

03/21/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75001	Web

03/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 62249	Web

03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30315	Web

03/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72223	Web

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web

02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web

02/16/2021	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	UT 84020	Web

02/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27858	Web

02/02/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28530	Web

01/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34984	Web

01/22/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	GA 30016	Web

01/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27523	Web

01/13/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	CA 91203	Phone

12/16/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	NH 03077	Web

12/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07082	Web

12/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft		Phone

12/05/2020	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	NY 10467	Web

12/04/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	GA 30046	Web

11/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11422	Web

11/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60616	Web

11/02/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	MD 20784	Phone

10/21/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	OK 73170	Web

10/14/2020	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	WY 82007	Web	Servicemember

10/09/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07002	Phone

10/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 14215	Fax

09/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19401	Fax

09/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60647	Web

09/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29229	Web

08/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

07/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73083	Web

07/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 78641	Web

07/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

06/17/2020	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	TX 75230	Web

05/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76040	Web

03/30/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89108	Web

03/10/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 46307	Web	Servicemember

01/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22042	Phone

01/23/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60478	Web

01/22/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MI 48822	Referral

01/11/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	CA 91710	Web

12/27/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	CA 92114	Web

12/19/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	CA 91710	Web

12/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80907	Web	Servicemember

12/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30308	Web

12/02/2019	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 34484	Web

12/02/2019	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	NY 14228	Web

11/26/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	WI 53711	Web

11/12/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44122	Web

10/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 23226	Web	Servicemember

10/22/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

10/10/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 97202	Web

09/25/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32839	Web

09/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21804	Web

09/04/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 60611	Web	Servicemember

08/28/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA XXXXX	Web

08/22/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	FL 32065	Phone	Servicemember

08/07/2019	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78758	Web

08/06/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	PA 19114	Phone

07/31/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	GA 30045	Web

07/26/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	MI 48202	Phone

07/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away		Phone

06/27/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	DC 20037	Web

06/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32120	Web

06/19/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	NJ 08753	Web

06/13/2019	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	NY 11229	Web

06/13/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 27529	Web

05/28/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 75150	Web

05/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73173	Web

05/18/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AL 36108	Web

05/14/2019	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	NC 27104	Web

04/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07450	Web

04/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80109	Postal mail

03/28/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CA 92570	Web

03/25/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	CA 90031	Web

03/06/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	FL 33169	Web

02/28/2019	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 07307	Web

02/20/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 43615	Web

02/15/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	SD 57108	Web

02/15/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	NY 10468	Web

02/14/2019	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OR 97035	Web

02/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85226	Web

01/16/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80003	Web

01/02/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 77005	Web

12/05/2018	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	WA 98467	Web

12/04/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 65713	Web

11/21/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WI 54868	Web

11/16/2018	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	VA 20171	Web

11/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27405	Fax

11/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31023	Web

10/16/2018	Yes	Student loan Private student loan	Incorrect information on your report Account status incorrect	SC 29229	Web	Servicemember

10/15/2018	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	TX 76020	Web

10/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30314	Web

08/30/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37221	Web

08/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48076	Referral

08/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33064	Web

07/28/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	WA 98512	Web

07/20/2018	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77241	Web

07/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32908	Web	Servicemember

07/19/2018	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75209	Web

07/17/2018	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	IL 62269	Web

06/26/2018	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75067	Web

06/18/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37221	Web

05/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

05/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80602	Web

05/18/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

05/04/2018	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	CA 93458	Web	Servicemember

05/02/2018	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33556	Web

04/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80047	Web

04/12/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	IL 60626	Web

04/10/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29406	Web

04/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80047	Web

04/03/2018	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	WA 98498	Web	Servicemember

03/21/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75181	Web

03/20/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MN 55444	Phone

03/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

03/05/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	NC 28376	Phone	Servicemember

02/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30349	Web

02/08/2018	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	DC 20037	Web

01/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28273	Postal mail

12/21/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89117	Web

12/21/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CA 92103	Web

12/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 01801	Referral

11/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember

11/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30605	Web

10/28/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OR 97075	Web

10/26/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	WA 98144	Web

10/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11215	Referral

10/17/2017	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	OK 73503	Web

09/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93550	Web

09/27/2017	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NC 28086	Postal mail

09/23/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29115	Web

09/20/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	FL 33410	Web

09/18/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60653	Phone

08/17/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30809	Web

08/16/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30238	Web	Servicemember

08/14/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MA 02451	Web

08/14/2017	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO 80229	Web

07/20/2017	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 43209	Web

06/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MN 55372	Web

06/06/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55304	Web

06/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21122	Postal mail

05/04/2017	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	XXXXX	Web

04/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IN 90017	Web	Servicemember

04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95337	Web	Servicemember

03/29/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 28214	Web

03/16/2017	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	FL 33547	Web

03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43110	Web

03/07/2017	Yes	Credit reporting	Incorrect information on credit report Account status	FL 34761	Web

03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 65583	Referral

02/28/2017	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	ID 83843	Web

02/17/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	FL 33414	Web

02/16/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NC 28262	Web

02/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 45213	Web

02/14/2017	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	AL 36612	Web

02/04/2017	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	WA 98503	Web

01/26/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10002	Postal mail

01/24/2017	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92307	Web

01/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 76202	Web

01/15/2017	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	WA 98003	Web

12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CO 80221	Web

12/14/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	NY 11798	Web

12/08/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	NM 88012	Web

10/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	HI 96746	Web

10/19/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	WA 99336	Web

10/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75142	Web

09/30/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	CO 80021	Web

09/20/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me after I asked not to	MI 49546	Web

09/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA 70056	Postal mail

09/10/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	FL 32825	Web

09/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 23233	Web

08/30/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	IL 62656	Web

08/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75503	Web

08/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30217	Web	Servicemember

08/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SC 29010	Web

08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 44632	Web

08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	UT 84108	Web

07/19/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MI 48315	Web

07/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 23188	Referral

06/17/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	UT 84081	Fax

06/13/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	HI 96789	Web

06/10/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	MO 64153	Web

05/31/2016	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	MI 49525	Referral

05/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 79356	Web

05/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75252	Web

05/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OR 97405	Web

04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 89301	Web

04/13/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	MN 55802	Postal mail

04/11/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	PA 19041	Web

04/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	TN 37076	Web

03/30/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 32817	Postal mail

03/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92127	Web

03/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MN 55427	Referral

03/07/2016	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	ID 83705	Web

02/22/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	AL 36067	Web

02/20/2016	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	NJ 08724	Web	Servicemember

02/17/2016	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	CA 92392	Phone

02/07/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	CA 91510	Web

01/25/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	ME 04055	Web

01/24/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	FL 34736	Web

01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85282	Referral

12/31/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	AZ 85308	Web

12/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 32904	Web

11/02/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NY 11415	Web

10/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85338	Referral

10/27/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	MD 20721	Web	Servicemember

10/02/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	NC 28307	Web	Servicemember

10/01/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	FL 33716	Web	Servicemember

08/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33169	Phone

08/14/2015	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	WA 98108	Web	Servicemember

08/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 93536	Web

08/05/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	UT 84107	Web

08/05/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	NC 27028	Web

07/13/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	TX 78542	Web

07/10/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	CA 94538	Web

07/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MD 20850	Web

06/24/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	NY 11704	Web

06/22/2015	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 33037	Web

06/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30052	Web

05/20/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32216	Web

05/12/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 93688	Referral

04/21/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	GA 30354	Web

04/09/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	TX 77065	Web

04/01/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NY 14219	Referral

03/30/2015	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	TX 78570	Web

03/11/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	NY 11729	Web

03/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 16627	Web

03/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	CA 90265	Phone

02/28/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	IN 47280	Web

02/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95967	Web

02/24/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	VA 23112	Referral

02/24/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Need information about my balance/terms	NJ 07087	Web

02/21/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	TN 37760	Web

02/14/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 60645	Web	Older American

02/07/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	FL 33901	Web

01/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WA 98360	Phone

01/26/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	SC 29720	Postal mail

01/24/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	OR 97239	Web

01/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DE 19810	Web

01/22/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AL 76549	Web

01/21/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	TX 79416	Web

01/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 31028	Phone

01/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SD 57234	Web

01/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 15017	Web

01/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	FL 33116	Web

12/22/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	TX 77346	Web	Servicemember

12/17/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	CA 92354	Web

12/16/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	MD 21791	Web

12/04/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	OH 45202	Web

11/05/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	SC 29420	Web

10/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98119	Web

10/29/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NJ 08401	Web

10/27/2014	Yes	Debt collection Federal student loan	Communication tactics Called after sent written cease of comm	MO 63120	Web	Servicemember

10/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 78254	Web	Servicemember

10/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	CO 80521	Web

10/21/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	NC 27455	Web

10/20/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	WI 54540	Web

10/13/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MO 65203	Web

10/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 31907	Phone

09/27/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NC 27834	Web

09/21/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	MI 48227	Web

09/16/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	TN 38181	Web

09/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 43068	Web

08/29/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94578	Web

08/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94939	Phone

08/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11374	Referral

08/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 22939	Fax

08/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20645	Web

08/18/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	AL 35125	Web

08/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32967	Web	Older American

08/12/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	TX 76227	Web

08/07/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	FL 32258	Web

08/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 15425	Web

08/01/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 95747	Referral

07/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	KS 66214	Web

07/29/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TN 37122	Web	Servicemember

07/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 40205	Web

07/21/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32303	Web

07/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IA 52748	Web

07/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NE 68502	Web

07/10/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	CA 91001	Web

06/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37664	Referral

06/18/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	VA 23323	Web	Servicemember

06/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98072	Web

06/01/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	FL 33015	Web

05/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76013	Web

05/27/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	GA 30324	Web

05/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30305	Web

05/13/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	CA 92868	Web

05/07/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30350	Referral

05/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29615	Web

05/01/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MD 21207	Web

04/25/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	FL 33133	Web

04/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	LA 70554	Postal mail

04/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	MI 48503	Web

04/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38003	Web

04/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 32256	Web

04/16/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	LA 70737	Web

04/09/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	TX 78256	Web

04/08/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	NC 28216	Web

04/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33967	Web

04/01/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	ID 83709	Web

03/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 20194	Web

03/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 30092	Web

03/07/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NJ 07059	Web

03/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NC 27597	Web

03/06/2014	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	PA 19143	Web	Servicemember

03/06/2014	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	IA 50021	Referral

02/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MI 49007	Web

02/26/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me after I asked not to	DC 20002	Web

02/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	KS 67218	Web

02/19/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 93551	Referral

02/18/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	NC 27203	Web

02/11/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	UT 84096	Web	Servicemember

02/06/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	NY 11238	Web

02/05/2014	Yes	Debt collection Federal student loan	Communication tactics Called outside of 8am-9pm	NE 68122	Web

02/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32209	Web

02/03/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	NC 28262	Web

01/29/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	KY 42701	Referral

01/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 53144	Web

01/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07112	Web

01/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29063	Web

01/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33196	Phone

01/09/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	CO 80909	Web

01/02/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22801	Web

12/20/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	PA 19128	Web

12/19/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60060	Web

12/17/2013	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me after I asked not to	GA 30116	Web	Servicemember

12/17/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30188	Phone

12/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	VA 20110	Web

12/13/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	WY 82601	Web

12/13/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30134	Web

12/13/2013	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	VA 23608	Web

12/11/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	VA 23454	Web

12/04/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 80012	Web

12/02/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22191	Web	Servicemember

12/02/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33032	Web

11/25/2013	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	CO 80123	Web

11/22/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 11372	Web

11/19/2013	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	TX 76209	Web

11/16/2013	Yes	Student loan Non-federal student loan	Repaying your loan	IL 60640	Web

11/15/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46807	Web

11/14/2013	Yes	Debt collection Non-federal student loan	Communication tactics Called after sent written cease of comm	OR 97055	Web

11/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AR 72023	Web	Servicemember

10/28/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	VT 05446	Web

10/25/2013	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NJ 08088	Phone

10/19/2013	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	SC 29732	Web	Servicemember

10/18/2013	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 98516	Web

10/17/2013	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	GA 30223	Web

10/11/2013	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	SC 29574	Postal mail

10/08/2013	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	CA 90630	Web

10/02/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DE 19701	Web

09/18/2013	Yes	Student loan Non-federal student loan	Repaying your loan	FL 32956	Referral

09/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NH 03452	Referral

08/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11417	Referral

08/20/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	VA 22314	Web	Servicemember

08/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92131	Web

08/08/2013	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	KY 40906	Phone

08/07/2013	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	MO 65584	Web	Servicemember

08/06/2013	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 13027	Referral

08/02/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	NC 28546	Web	Servicemember

07/31/2013	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	TN 37221	Postal mail

07/14/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91789	Web	Older American, Servicemember