Complaints

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.

• Initial Complaint

  Date:02/21/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 *************************. I do not have a contract with Williams and Fudge ***** they did not provide me with the original contract as requested.

  Business Response

  Date: 02/28/2024

  Upon receipt of the complaint, the account was placed on hold to review the details in their entirety. The creditor provided a signed balance verification document detailing the amount owed and the reason.  This document was submitted to the consumer on 2/21/2024 and is attached for the consumers review.  Should the consumer have additional questions, they are encouraged to reach out to ***************************, who is Williams & Fudge, **** Ombudsman. He is available and may be reached via phone ************, or by email *******************

• Initial Complaint

  Date:02/16/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 ********************. I do not have a contract with Williams and Fudge. They did not provide me with the original contract as requested.

  Business Response

  Date: 02/26/2024

  Upon receipt of the complaint, the account was placed on hold to review the details in their entirety. The creditor provided a signed balance verification document detailing the amount owed and the reason.  This document was submitted to the consumer on 2/20/2024 and is attached for the consumers review.  Should the consumer have additional questions, they are encouraged to reach out to ***************************, who is Williams & Fudge, **** Ombudsman. He is available and may be reached via phone ************, or by email *******************

  Customer Answer

  Date: 02/26/2024

   
  I am rejecting this response because:

  again I do not have contract with Williams and fudge 

  
  

• Initial Complaint

  Date:02/09/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 ***************, I do not have a contract with Williams And Fudge I, they did not provide me with the original contract.

  Business Response

  Date: 02/13/2024

  Upon notification of the complaint the account history was reviewed against the allegations.  Upon review of the account, notification was sent to the consumer from the creditor prior to the account being placed with our office.  Additionally, further communication was sent to the consumer following the notification from the creditor.  Validation documents, along with the aforementioned documents are attached to the response. 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 via phone ************, or by email *******************

• Initial Complaint

  Date:01/22/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  This company acquired my loan from a different company. They then proceeded to open 2 accounts instead of one for more than the original loan amount. I notified them of the error and they claim it's resolved. But when I log into the website it still shows both loans as active and increasing in amount due. The website only also shows the balance due, it doesn't show the interest/fees being charged or the payments applied. I have requested this information several times and am told they only provide it for the people who sign up for auto debit from their checking account at 1/12 of the current balance ( an amount well above what I make in a month). The main problem is they keep returning my payments to me, with two obvious open accounts I don't know if the payments they have applied instead of returning are being applied correctly, what interest is being charged and if I'm being charged other fees for late/non payment when they are returning my payments to me instead of applying them.I don't think I am being unreasonable requesting that the 2nd loan be closed as it's not valid, nor in requesting a monthly statement.After my 5rh request they now refuse to even respond to me.

  Business Response

  Date: 01/25/2024

  Upon receipt of the complaint, the account was placed on hold to review the details in their entirety.   Our company did not purchase the account from the creditor, the balance is owed to the creditor.  Our records do not reflect any payment being returned.  All payments that were successfully processed were posted and applied to the balance placed by the creditor.  Additionally, only one account is showing active, ending in 4379.  A report of all payments applied is included in the response.  The consumer can access their online account and/or make payments through our online portal at ***********************. Should the consumer have additional questions, they are encouraged to reach out to ***************************, who is Williams & Fudge, **** Ombudsman. He is available and may be reached via phone ************, or by email *******************

  Customer Answer

  Date: 01/29/2024

   
  I am rejecting this response because:

   

  I am asking for a statement of the account INCLUDING all interest and fees charged not just the payments applied. This has never been provided, including what they attached here. In fact has been adamantly refused. I believe I am being charged over and above the interest allowed since my balance has increased over $10k in less that a year. I want proof of the legitimacy of the fees/interest being charged.

  Checks mailed on 3/28, 4/11, 4/25, and 5/8 we're all returned to me. They are aware of this as I sent them emails more than once asking why my checks were returned. 

  
  

  Business Response

  Date: 01/30/2024

  Additionally, after reviewing the previous response form the consumer in the initial complaint, there were requests for items that were not provided.  The interest rate that is on this account is *****% Simple Interest.  In reviewing how the payments have been applied, our records show that the consumers payments have been applied to the interest only, none to principal.  We are including a consumer fact sheet that shows the previously omitted information that the consumer has requested, such as but not limited to; beginning interest, accrued interest, etc.  Regarding the 2 accounts listed through our consumer portal, there are indicators to review on the consumers end.  A Green indicator represents an active account,and a red indicator to represent a closed/returned account.  The account referenced in the attachments is the only active account for this creditor in our system of record.   We also have no record of any mail being received and then returned to the consumer.  If that was done, it was not of our doing, and based on the 5/24/2023 email received by the consumer, was the **** decision.  The physical location can receive incoming mail from consumers, other businesses, etc. The mailing address to remit payment is PO Box ************************************. The consumer can access their online account and/or make payments through our online portal at ***********************. Should the consumer have additional questions, they are encouraged to reach out to ***************************, who is Williams & Fudge,Inc. Ombudsman. He is available and may be reached via phone ************, or by email *******************

  Customer Answer

  Date: 11/21/2024

   
  I am rejecting this response because:

  I filed a complaint back in January, #********. During the course of this complaint I mentioned that this company has 2 open accounts on me, one of which is invalid. They told you, which made you close the complaint, that the second account is closed. It is not. It still shows on my file, it still shows as open, it is still accumulating interest, and I am still getting harassing phone calls from them threating to take legal action because I am not paying on it. Also part of this complain is the fact that they refuse to send me a monthly statement of my account. They sent me one statement, only after filing this complaint, and I have not received a statement since. Their website claims that I can see my statement history, but the only thing it shows is my balance, it does not show payments made, interest charged. And this is only when I can log into their website, which happens to be down more than it is operational.

  I would like to 1) have the duplicate account removed from my account, not just claim to have it closed as they did last time. This is a duplicate and should have been deleted when they first acknowledged that it was. 2) I would like to get a monthly statement showing all activity on the account. 3) I would like any negative effect that the duplicate account is causing to my credit score repaired.

  
  

  Business Response

  Date: 11/25/2024

  Mr. ***** contacted out office this morning and spoke with the Ombudsman.  It was conveyed that both parties have been attempting to communicate with the creditor regarding the remaining balance that is being advised as owed by the creditor.  The creditor has stated a lack of a formal payment arrangment being in place as the reason for the placement into collections.  The consumer stated that balance would have been paid if had received communications from the creditor.  The conusmer stated they spoke with the creditor last week, but was transferred to a supervisor and left a voicemail.  This has not been returned as of yet.  WFI advised that we has reqeusted further information and consideration of the paymetns to wards the balance.  WFI has not heard back either.  With this week being a holiday week, it is likely the creditor is not operating this week and netiher of the parties may hear back.  It was agreed to provide updates to each party as they become available.

  Customer Answer

  Date: 11/25/2024

   
  I am rejecting this response because: I have no idea what they are referring to. I don't know who ** ***** is, I have not spoken to anyone on the phone, I have never asked to speak to a supervisor and have never left a voicemail. I do all my communication through email so that there is a record of their response. I have also been making payments on the correct loan.

  This response mentions nothing about the duplicate loan that they have in the system that they claimed back in January was closed but is still showing on my account and still showing that interest is accruing even though they claim it was closed due to being a duplicate. I want to know that this duplicate account has been removed from my account. 

  This response does not mention anything about the fact that they still refuse to provide me with a statement monthly. Nor does it mention anything about the fact that this information is not provided online when I can actually log into my account The account that I have not been able to log into for 2 weeks now. 

  
  

  Business Response

  Date: 11/26/2024

  WFI is including an updated version of the account placed in our office.  The attachment indicates there is only one account in our office and provides a current accounting of the paymetns made towards the balance. The consumer can continue to make paymetns as they have through our online portall, **********. Should the consumer have additional questions regarding the balance placed at WFI by the creditor, they are encouraged to reach out to ******** ******, who is Williams & Fudge, **** Ombudsman. He is available and may be reached via phone ************, or by email ******************

  Customer Answer

  Date: 11/28/2024

   
  I am rejecting this response because:
  

  First there is nothing attached Second I STILL cannot get logged into their website to verify that this duplicate account has been DELETED. 

  
  

  Customer Answer

  Date: 12/02/2024

   
  I am rejecting this response because:

   

  Date Sent: 11/28/2024 8:37:16 AM
  

   
  I am rejecting this response because:
  

  First there is nothing attached Second I STILL cannot get logged into their website to verify that this duplicate account has been DELETED. 

  
  

   

  
  

  Business Response

  Date: 12/02/2024

  *** apologizes for not including the now attached document in the last response.  The fact is that all payments that are being made to the only account in the office as it appears in the attached document.  WFI cannot satisfy the consumer's repetitive reqeust that stems form January 2024 where it was resolved. The consumer can continue to make paymetns as they have through our online portal, **********. Should the consumer have additional questions regarding the balance placed at WFI by the creditor, they are encouraged to reach out to Mr. ***** ******, who is Williams & Fudge, **** Ombudsman. He is available and may be reached via phone ************, or by email ******************

  Customer Answer

  Date: 12/05/2024

   
  I am rejecting this response because: there are still 2 active accounts showing when I log in, see attached proof. The second account listed is not valid. The first attachment is a screen shot which shows a lower balance due than the second attachment showing that the balance is rising due to interest still being charged. Also, in the last 5 days I have received ********************************************************************************************
  
  

  Business Response

  Date: 12/06/2024

  As indicated in the screenshots provided, the current balance amoutn is accurate, as is the amount paid.  The consumer does nto have 2 active accounts in WFI's system of record, regardless of what is showing on the online portal.  Only account number ******* is active. *** is not actively acting in the capacity as a data furnisher on behalf of the creditor, meaning *** is not reporting to any credit reporting agency on this account or for this consumer.  *** has not made any phone attempts to the consumer since 8/28/2023.  WFI is not activley communicating with the consumer outside of the numerous filings and responses through this portal.  WFI has maintained its stance on the matter several times in 2024, and feels these continued rejections are unecessary.  The consumer has a consectuve repayment history on this balance that began in May of 2023 and has continued through November 2024.  

• Initial Complaint

  Date:01/18/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 began business in May 2020, I have made payments for two and a half years without issues. I missed one payment, received suspected fraudulent calls, I called the company where they raised their voice, insinuated I was a liar, and are pressuring me into a payment plan I cannot afford. I asked to do communications via email due to my disability impacting my verbal communication skills in the moment, especially when stressed and pressured. They refuse to communicate via email or work with me to create an affordable plan to pay this debt. This stress is impacting my job, my health and my daily life. *** reached out many times trying to understand the situation, receive lists of fees and interest on top of original debt, and I have not received anything clarifying besides a letter stating I owe the current amount of *****. Original amount was ***** from ***** state university and I now owe ***** to Williams and fudge. They wont settle and threatened contacting my husband for payment even though I got married years after the debt was collected. Both *************************, ************************* and a man named ***** have all spoke with me, and have all refused to come to any reasonable agreement I can afford including pressuring me into making a plan I told them wouldnt work before letting me try to find other payment options.

  Business Response

  Date: 01/25/2024

  Upon receipt of the complaint, the account was placed on hold to review the details in their entirety. The phone conversations and written communications were reviewed against the allegations.  The employees that were found to have opportunities for improvement have been met with internally with their supervisor.  The phone numbers on file have bene updated to no longer be dialed per the consumers request.  Email or Written Communication shall be the only methods used going forward.   We want to provide reasonable payment options and methods that work best for the consumer. The consumer can make payments through our online portal at ***********************. Should the consumer have additional questions, they are encouraged to reach out to ***************************, who is Williams & Fudge, **** Ombudsman. He is available and may be reached via phone ************, or by email *******************

• Initial Complaint

  Date:01/16/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  This company contacted my teenage son via a public records search of cell phone numbers. They did not acknowledge who they were when they called, or ask my son his age. The goal was to access personal information about a relative and to try to collect a debt. Personally I find this methodology despicable.

  Business Response

  Date: 01/18/2024

  Upon notification of the complaint the account history was reviewed against the allegations.  As requested, no further contact will occur from our company.  The account was returned to the creditor on 1/17/2024.  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 via phone ************, or by email *******************

• Initial Complaint

  Date:01/12/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  While being initially contacted by this company i was harassed until i set up a payment plan. Collectors can only call so often and they surpassed that. After that i called to check on how much i still owed and was insulted and the collector made fun of me for not being able to pay my bills Given their position and power over me i found that interaction EXTREMELY unprofessional, and then i did some digging. **** have received almost 700 complaints about them in the past 10 years. 200 in the past 3 years. Obviously something is wrong with them. Do your job and shut them down. If you have any questions call me at **************. Id also like a follow up regarding the punishment (if any) they received.

  Business Response

  Date: 01/18/2024

  Upon notification of the complaint the account history was reviewed against the allegations.  The account was returned to the creditor on 1/12/2024.  Prior to the complaint submitted by the consumer,the last outbound call to the consumer was made 12/2/2023. The consumer had made inbound calls to ********** on 1/11/2024, 1/12/2024, & 1/17/2024. ****** communications regarding the consumers repayment should be directed to the creditor.  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 via phone ************, or by email *******************

• Initial Complaint

  Date:01/12/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  On 11/28/2023 Williams and Fudge a collection agency sent me a letter demanding money. This totally made-up and very false. They dont even have the right last 4 of my social security number right . This harassment needs to stop. One of their representatives has been coming around my apartment. Hes been trying to hide his face, but I have him my ring security camera. Hes been coming every day this week. I demand them to STOP THIS HARASSMENT IMMEDIATELY.

  Business Response

  Date: 01/18/2024

  Upon notification of the complaint the account history was reviewed against the allegations.  As requested, no further contact will occur from our company.  The account was returned to the creditor on 1/12/2024.  ********** does not have employees located in the state in which the consumer maintains residency,therefore the individual that the consumer is claiming has been coming around their apartment is not an employee of **********.  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 via phone ************, or by email *******************

  Customer Answer

  Date: 01/18/2024

   
  I am rejecting this response because:
  
  

• Initial Complaint

  Date:01/11/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 ****************************. They did not provide me with the original contract as requested.

  Customer Answer

  Date: 01/11/2024

  I sent a letter to the debt collectors through the **** requesting the original contracts for the debt, which was never received. 

  Business Response

  Date: 01/18/2024

  Upon receipt of the complaint, the account was placed on hold to review the details in their entirety. The creditor provided a signed balance verification document detailing the amount owed and the reason.  This document was submitted to the consumer on 1/13/2024 and is attached for the consumers review.  Should the consumer have additional questions, they are encouraged to reach out to ***************************, who is Williams & Fudge, **** Ombudsman. He is available and may be reached via phone ************, or by email *******************

  Customer Answer

  Date: 01/18/2024

   
  I am rejecting this response because:
  I have not received any document or original contract of debt with my signature on it. 

  Business Response

  Date: 01/22/2024

  Upon receipt of the consumers response the creditor was contacted to provide additional information. The creditor provided documentation on their letterhead detailing the debt owed.   This document shall be submitted to the consumer on 1/23/2024 and is attached for the consumers review.  Should the consumer have additional questions, they are encouraged to reach out to ***************************, who is Williams & Fudge, **** Ombudsman. He is available and may be reached via phone ************, or by email *******************

• Initial Complaint

  Date:01/10/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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, I do not have a contract with Williams and fudge. They did not provide me with the original contract as requested.

  Business Response

  Date: 01/17/2024

  Upon receipt of the complaint, the account was placed on hold to review the details in their entirety. The creditor provided a signed balance verification document detailing the amount owed and the reason.  This document was submitted to the consumer on 1/10/2024 and is attached for the consumers review.  Should the consumer have additional questions, they are encouraged to reach out to ***************************, who is Williams & Fudge, **** Ombudsman. He is available and may be reached via phone ************, or by email *******************