Consumer complaint received 2020-02-12
Company: Williams & Fudge, Inc
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
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 <XXXX> 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

Company response to consumer: Closed with explanation