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Business Profile

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Williams & Fudge, Inc.
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BBB Accredited BusinessA Rated by BBB

Complaints

Customer Complaints Summary

  • 210 total complaints in the last 3 years.
  • 62 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:07/14/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Creditor: ******************************** (Account not known) Amount:$480.00 Issues Raised:Educational debt lacks validation or proof of agreement - No itemized balance breakdown provided - Unverifiable and remains reported Relevant Law Violations: FCRA 1681i, FDCPA 1692g

    Business Response

    Date: 07/22/2025

    Upon notification of the complaint the account history was reviewed against the allegations.  WFI contacted the creditor, and they provided validation documentation for the balance placed at WFI.  This is attached to the response and was sent to the consumer on 7/15/2025.  WFI encourages the consumer to contact our office to assist in helping to resolve the consumers remaining balance with the creditor.  WFI confirmed the balance information placed by the creditor, as well as specific information provided by the creditor to ensure the accuracy of any data furnished to the credit reporting agency is accurate as reported. Should the individual have additional questions, they are encouraged to reach out to Mr. ***** ******, who is Williams & Fudge****** Ombudsman. He is available and may be reached by email *******************

  • Initial Complaint

    Date:07/11/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    They call multiple times a day in a harassing manner. This needs to stop.

    Business Response

    Date: 07/21/2025

    Upon notification of the complaint the account history was reviewed against the allegations.  As requested, WFI updated all phone number and communication methods to no longer be used.  WFI closed the account back to the creditor on 7/15/2025.  Should the individual have additional questions, they are encouraged to reach out to ******** ******, who is Williams & Fudge, **** Ombudsman. He is available and may be reached by email *******************

  • Initial Complaint

    Date:07/11/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt. I do not have contract with Williams and Fudge, **** They did not provide me with the original contract as requested. Correction on my credit report. I demand this account be removed from my credit report. I am not liable for this debt with Williams & Fudge, Inc.

    Business Response

    Date: 07/21/2025

    Tell us why here...Upon notification of the complaint the account history was reviewed against the allegations.  WFI contacted the creditor, and they provided validation documentation for the balance placed at WFI.  This is attached to the response and was sent to the consumer on 7/14/2025.  WFI encourages the consumer to contact our office to assist in helping to resolve the consumers remaining balance with the creditor.  WFI confirmed the balance information placed by the creditor, as well as specific information provided by the creditor to ensure the accuracy of any data furnished to the credit reporting agency is accurate as reported. Should the individual have additional questions, they are encouraged to reach out to Mr. ***** ******, who is Williams & Fudge, **** Ombudsman. He is available and may be reached by email ****************************.

  • Initial Complaint

    Date:07/09/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Williams & Fudge is reporting a collection account to ******* with an alleged balance of $4,150. I have no record or contract related to this account and was never notified in writing within 5 days of reporting, as required under the ***** 809(a).I previously disputed this account and requested proper validation, but I received no documentation, such as a signed agreement, itemized billing, or verification of debt ownership. This raises concerns about the accuracy and legitimacy of this reporting, which violates the Fair Credit Reporting Act (FCRA 607(b)).Requested Resolution:Delete the account from all credit bureaus or provide full verification, including contractual proof, itemized charges, and evidence of lawful collection authority.

    Business Response

    Date: 07/17/2025

    Upon notification of the complaint the account history was reviewed against the allegations.  *** had previously contacted the creditor, and they provided validation documentation for the balance placed at *** at the time. This is attached to the response and was sent to the consumer on 6/4/2025.  The consumer had previously made a payment arrangement with WFI on 4/29/2025.  WFI is providing the consumer account level detail as it exists in their system of record, which reflects multiple payment attempts, both successful and unsuccessful. *** validated the debt by sending a model validation notice on 4/29/2025.  *** encourages the consumer to contact our office to assist in helping to resolve the consumers remaining balance with the creditor.  WFI confirmed the balance information placed by the creditor, as well as specific information provided by the creditor to ensure the accuracy of any data furnished to the credit reporting agency is accurate as reported.  As the account has been disputed, whether; valid or invalid dispute, *** has updated the tradeline with their most recent reporting on 7/15/20025.  This may take 3-5 days to be updated by the ***********************. Should the individual have additional questions, they are encouraged to reach out to Mr. ***** ******, who is Williams & Fudge, **** Ombudsman. He is available and may be reached by email *******************

  • Initial Complaint

    Date:07/03/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    July 3rd I called Williams and Fudge due to continuous harassing calls to friends and family. Williams and Fusge at no point has made an attempt to contact me directly because I answer all calls. ****** Williams answered and asked was I ****** ******* and I said yes, the call was recorded on my end also. I informed him that I did not consent to verbal contact and he laughed and said my research was cute.

    Business Response

    Date: 07/11/2025

    Upon notification of the complaint the account history was reviewed against the allegations.  As requested, WFI updated all phone number and communication methods to no longer be used.  WFI closed the account back to the creditor on 7/8/2025.  Should the individual have additional questions, they are encouraged to reach out to ******** ******, who is Williams & Fudge, **** Ombudsman. He is available and may be reached by email *******************

  • Initial Complaint

    Date:07/03/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with Williams and fudge **** they did not provide me with the contract as I requested.

    Business Response

    Date: 07/11/2025

    Upon notification of the complaint the account history was reviewed against the allegations.  WFI contacted the creditor, and they provided validation documentation for the balance placed at WFI.  This is attached to the response and shall be sent to the consumer on 7/10/2025. *** encourages the consumer to contact our office to assist in helping to resolve the consumers remaining balance with the creditor.  WFI confirmed the balance information placed by the creditor, as well as specific information provided by the creditor to ensure the accuracy of any data furnished to the credit reporting agency is accurate as reported.  Should the individual have additional questions, they are encouraged to reach out to ******** ******, who is Williams & Fudge****** Ombudsman. He is available and may be reached by email *******************

  • Initial Complaint

    Date:06/29/2025

    Type:Customer Service Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debit with ************************* I dont have a contract with WILLIAMS AND FUDGE **** they did not provide me with the original contract as requested

    Business Response

    Date: 07/03/2025

    Upon notification of the complaint the account history was reviewed against the allegations.  WFI contacted the creditor, and they provided validation documentation for the balance placed at WFI.  This is attached to the response and shall be sent to the consumer on 7/3/2025.  *** encourages the consumer to contact our office to assist in helping to resolve the consumers remaining balance with the creditor.  WFI confirmed the balance information placed by the creditor, as well as specific information provided by the creditor to ensure the accuracy of any data furnished to the credit reporting agency is accurate as reported. Should the individual have additional questions, they are encouraged to reach out to Mr. ***** ******, who is Williams & Fudge****** Ombudsman. He is available and may be reached by email *******************

  • Initial Complaint

    Date:06/22/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with University of the Ozarks, I do not have a contract with ******* and Fudge, they did not provide me the original contract as I requested.

    Business Response

    Date: 06/25/2025

    Upon notification of the complaint the account history was reviewed against the allegations.  WFI contacted the creditor, and they provided validation documentation for the balance placed at WFI.  This is attached to the response and was sent to the consumer on 6/24/2025.  WFI confirmed the balance information placed by the creditor, as well as specific information provided by the creditor to ensure the accuracy of any data furnished to the credit reporting agency is accurate as reported.  The consumer has made payments or attempted to make payments towards their account beginning 1/26/2024 6/6/2025.  Some payments have been returned as insufficient funds.  *** encourages the consumer to contact our office to assist in helping to resolve the consumers remaining balance with the creditor.  Should the individual have additional questions, they are encouraged to reach out to Mr. ***** ******, who is Williams & Fudge, **** Ombudsman. He is available and may be reached by email *******************

  • Initial Complaint

    Date:05/12/2025

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    An agent of Williams and Fudge debt collector named ******* ******** called me on Monday, May the 12th 2025. During this call, he directly violated 15 U.S.C. 1692e, 15 U.S.C. 1692g, and 15 U.S.C. 1692d.

    Business Response

    Date: 05/21/2025

    Upon notification of the complaint the account history was reviewed against the allegations.  *** contacted the creditor, and they provided verification documentation.  The documentation provided detail as to how the balance was created and confirmed the balance owed to the creditor. Upon review of the complaint, it was confirmed a technology challenge occurred causing a delay in the toggling of systems, as to where the consumers account was not presented to the agent in a timely fashion. This has been resolved. Should the individual have additional questions, they are encouraged to reach out to Mr. ***** ******, who is Williams & Fudge, **** Ombudsman. He is available and may be by email ******************

  • Initial Complaint

    Date:05/09/2025

    Type:Customer Service Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with WILLIAMS & FUDGE **** I do not have a contract with Business headquarters location, they did not provide with the original contract as requested.

    Business Response

    Date: 05/27/2025

    Upon notification of the complaint the account history was reviewed against the allegations.  *** contacted the creditor and requested verification documents.  As of 5/27/2025 WFI has not received the documentation.  Upon receipt of the documentation *** shall provide the documents to the consumer. *** has submitted an electronic request to remove any previously reported information from the consumers tradeline.  This was submitted on 5/15/2025. Should the individual have additional questions, they are encouraged to reach out to Mr. ***** ******, who is Williams & Fudge,Inc. Ombudsman. He is available and may be by email ******************

    Customer Answer

    Date: 05/27/2025

     
    I am rejecting this response because:
    Seems as if they are placing me at fault, *** never authorized anything regarding this company and would greatly appreciate if they could provide anything saying otherwise. 

    Business Response

    Date: 06/03/2025

    *** is awaiting a response from the creditor, which is out of class for the season.  In lieu of this documentation being received and provided to the consumer, *** submitted an electronic close request to the credit reporting agency to remove the previously reported information on 5/15/2025, as stated in it's previous response.  Upon receipt of the documentation from the creditor, *** shall provide it to the consumer at thier address provided inthis complaint.  WFI apologizes for the delay,  however it does not have influence over the universities business hours or personnel.

    Customer Answer

    Date: 06/03/2025

     
    Better Business Bureau:

    I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me.

    Thank you. 

Williams & Fudge, Inc. is BBB Accredited.

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