Consumer complaint received 2021-08-03
Company: Williams & Fudge, Inc
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As I pulled my annual credit report last night ( XX/XX/XXXX ) I saw an unrecognizable account standing in my derogatory account for an amount of {$1400.00}. I noticed the company associated was my old university ( University of XXXX ) I stopped attending. I was in default on my student loans and was contacted a little less than two years ago about owing about {$15000.00} in student loans. I signed up for a rehabilitation program and my students have been in good standing since I successfully completed that program so I knew something was wrong. I called the collection department of University of XXXX asking about this outstanding debt that is now on my credit and they mention it being a XXXX XXXX  that just hit my credit as of XX/XX/XXXX. I was in shocked and asked them what information was on file and I was so upset to find out most of their personal information on me was completely incorrect! My address that I haven't lived at for over 6-7 years, phone numbers that I have never had access too, and a school email I no longer had access too once I left enrollment. I asked why in XXXX I am now being notified about this loan she responded with saying she spoke to my father to relay the message about this debt from who knows how long ago which she can not prove was my father she spoke to in the first place. Anyone can answer a phone and say they are who they say they are. This is entirely inappropriate to call anyone even a parent that no longer has guardianship over me as an adult to discuss any debt I may or may not have let alone contacted them without my permission. With all that being said, I give her my right and current information today ( XX/XX/XXXX ) so I can review this debt that is on my credit. Then she proceeds to say I have a tuition balance with the university for {$11000.00} and that also will hit my credit within the next month! I now called a collection agency with inaccurate information on me saying I have over {$12000.00} in debt despite my other students loans from the same university has my correct information and is in good standing. I have been working extremely hard on my credit and handle all my debts responsibly to be told I owe more without. one single documentation sent to my current address I've lived at for over 4-5 years. I asked the financial office representative who now owns that debt as far as collection agency and they said Williams and Fudge. I then get off the phone to call William and Fudge and when I ask her to verify the information she has on file she has completely different information from University of XXXX but even more inaccurate infomation such as phones I have never been associated with, an addressed I haven't live at since I was junior or senior in high school! That is almost 9 years ago! Not one thing was remotely current other than hitting my credit apparently in the next month. I am so disappointed in the education system who handles financing to give their customers hope and transparency with their loans good or bad so consumers can pay debts properly and better their life and credit. I am looking to buy a house soon with working on my credit and now I am told I am going in to collections with not one proper notification of potential students or tuitions. University of XXXX used to harass me every single day for years about my student loans to the point I was frustrated answering my phone knowing they are not allowed to call between XXXX legally! Even then with them harassing me the number of how much I owe has been around $ XXXX to pay off ANY debt from loan/school. Therefore, 2 years ago getting my affairs in order I made it my business to job a rehabilitation program and speak to whoever daily to get everything involving University of XXXX updated and in good standing. I am upset to be handled so poorly by your intuitions. A huge 1 out 10 for letting someone pay off debt from the same establishment yet inaccurate information of different loans. Credit is not something I take lightly and I will be contacting more people about my horrible experience!

Company response to consumer: Closed with explanation