Consumer complaint received 2019-12-11
Company: Williams & Fudge, Inc
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
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.

Company response to consumer: Closed with explanation