|
2950886
|
2018-06-29
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Williams & Fudge, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2018-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-09
|
| Complaint What Happened |
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!
|
| Consumer Consent Provided |
Consent provided
|
|
|
9807745
|
2024-08-15
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Williams & Fudge, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2024-08-15
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-15
|
| Consumer Consent Provided |
N/A
|
|
|
1819874
|
2016-03-07
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Williams & Fudge, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Federal student loan
|
| Date Received |
2016-03-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2988498
|
2018-08-10
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Williams & Fudge, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
Private student loan debt
|
| Date Received |
2018-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-16
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2365055
|
2017-02-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Williams & Fudge, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Called outside of 8am-9pm
|
| Sub Product |
I do not know
|
| Date Received |
2017-02-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
787228
|
2014-04-01
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Williams & Fudge, Inc
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2014-04-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-01
|
| Consumer Consent Provided |
N/A
|
|
