Consumer complaint received 2024-09-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (MD)

XXXX XXXX XXXX XXXX XXXX A XXXX XXXX Current Date : XXXX To : CFpb Subject : Formal Dispute of Unknown Charges on Student Account collections Date assigned : XX/XX/XXXX Agency : WILLIAMS & FUDGE INC , Creditor Classification : Educational Original amount owed : {$6700.00} Agency contact information WILLIAMS & FUDGE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ________________________________________ Introduction : I am writing to formally dispute the unknown charges that have been added to my credit report. I have been in regular communication with my XXXX XXXX and have provided all necessary documentation to ensure that both my work reimbursement and financial aid were applied correctly toward my tuition fees. Below, I provide the relevant timeline of events, supporting emails, and financial documentation for your review. 
________________________________________ Background : Initial Enrollment : I enrolled at XXXX XXXX  in XXXX XXXX, beginning my courses on XX/XX/XXXX. 
Financial Aid & Work Reimbursement : I communicated with my XXXX XXXX, XXXX XXXX, regarding the application of both my companys work reimbursement program and financial aid ( XXXX XXXX XXXX XXXX XXXX Loan ) to cover my tuition fees. 
________________________________________ Details of Communication & Evidence : 1. Proof of Agreement to Use Work Reimbursement and Financial Aid ( XX/XX/XXXX ) : o Email Evidence : XXXXXXXX XXXX XXXXXXXX This email contains XXXX agreement to apply both my financial aid and work reimbursement to my tuition fees. 
2. Credentials Provided to XXXX XXXX ( XX/XX/XXXX ) : o Email Evidence : XXXX XXXX XXXXXXXX In this email, I provided my credentials to my XXXX XXXX, XXXX XXXX, to initiate the payment process. 
3. Letter of Credit Submitted ( XX/XX/XXXX ) : o Email Evidence : Letter of credit XXXX o Email Evidence : XXXX XXXXXXXX These emails include the letter of credit issued by my company, which outlines that XXXX University would invoice my XXXX XXXX XXXX XXXX directly for eligible charges. 
4. Financial Aid Details and Further Communication ( XX/XX/XXXX ) : o Email Evidence : XXXX XXXX XXXX XXXX In this communication, I outlined the details of my financial aid ( XXXX XXXX XXXX XXXX XXXX XXXX for {$20000.00} ) and requested that excess loan funds be deposited into my personal account. 
________________________________________ Grades and Course Completion : I have successfully completed the following courses, with grades attached as supporting documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ Financial Receipts & Tax Documentation : I am also attaching the following financial and tax documents for reference : Financial Activity : From XX/XX/XXXX, to XX/XX/XXXX ( Documents attached : Financail Activity from XXXX to XXXX XXXX & XXXX Activity from XXXX to XX/XX/XXXX ) XXXX Tax Summary ________________________________________ Snap Shots : Conclusion : Based on the evidence provided, it is clear that both my companys work reimbursement and financial aid were intended to fully cover my tuition fees. The unknown charges on my account appear to be an error, and I kindly request that these charges be investigated and rectified as soon as possible. I look forward to your prompt resolution of this matter and will be available for any further information you may require. 
________________________________________ Attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX