Consumer complaint received 2016-10-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Williams & Fudge, Inc (SC)

Received a call from a debt collection agency that is trying to collect on behalf of the XXXX XXXX XXXX. The Williams and Fudge employee will not give me requested information in a timely manner. I was originally contacted XX/XX/XXXX, it is now XX/XX/XXXX and I still have not received any information on how fees were applied to my bill. This employee says that this was not a purchased debt and that collections are handled by Williams and Fudge on behalf of the XXXX XXXX XXXX. I have a separate complaint in for the XXXX XXXX, as they have refused to give me any record of previous contact attempts. If Williams and Fudge is handling the collection for XXXX, then they should be able to give me records of previous contact attempts to me or my cosigners. 

The bill they 've given me is {$750.00} over the original loan amount, but they will not get me a statement of why or how that was applied. If it was late fees, I want an itemized statement that shows as much, when and how they were applied, if it was attorney fees, then I want to know how they justify applying it when the loan was not sold to them. I 've asked for this since the beginning of our correspondence and still have not received this. 

I have told the collector that I do not wish to be contacted by telephone, only via encrypted email, as I can not take personal calls while in the office. For the most part, the collector made good on that requirement ; but on XX/XX/XXXX, at XXXX, the collector violated that requirement by attempting to contact me while I was at work via telephone. There are XXXX reasons for not taking these calls. First, I want all of our correspondence in writing in the event that legal action needs to be pursued for either party. Second, I can not take personal calls while on the job, due to its nature. 

Overall, it 's been extremely difficult to get any information about this loan at all. I 've already acknowledged that it 's a debt that needs to be paid, but I can not agree to repay it when I do not have any details on how this loan is being handled. I, or my cosigner, never received any correspondence from this company or the original lender after XX/XX/XXXX ( the original repayment date ) until XX/XX/XXXX. They had stated that they could n't get in touch with me or my cosigner using the number that was provided, but they were certainly able to get a hold of me on personal cell months later, where 's the break in communication? When I requested the original loan documents, all that was forwarded to me was the signatory page, none of the other information requested such as when extra fees were applied. If such fees were applied, they have n't been done fairly, as I 've received no notification of a late payment. 

Dealing with Williams and Fudge has been a classic case of harassment. They will not give me the information needed to protect my financial interests. If they 'd give me this information in a timely manner, we could talk about creating a win-win for both of us. As it stands, this company has failed to show any interest in such negotiations. If I ca n't pay a reasonable amount over a reasonable amount of time, then they will not be able to collect the loan, I can only assume that they are still tacking on late fees to the amount, which is not fair, since I 've clearly shown a desire to repay, but they 've not been willing to take the burden of being a proper servicer.