Consumer complaint received 2016-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Williams & Fudge, Inc (WI)

My federal perkins loan has been placed into default by XXXX University. My last payment was XXXX XXXX, 2016 and it is XXXX XXXX today. I am not sure how my loan would go into default that quickly when my federal private loans are further past due. 
No Information When I started receiving information from this debt collector ( Williams and Fudge ) I ignored it because I did not know who they were. It sounded like a scam. They would only state that they needed to talk with me about a serious matter. 

Return Call They called my work phone. I immediately told them that they could not contact me there. I am not allowed to make personal calls at work. I returned the call the same day and asked why they were contacting me. They told me that I owed an almost {$4000.00} dollar loan, but would not give me any information about the debt. They just kept saying that I would have to contact the servicer, but I did n't know who the servicer was. After a series of questions I found out that they were talking about XXXX University and my perkins loan. They told me that I needed to contact them. 

XXXX ( Phone Call XXXX XXXX, 2016 ) I contacted someone at XXXX and they told me that my loan was in default. I said that could n't be true, because I had not received any information from the servicer ( XXXX ). She stated that they never received my deferment paper work. I then told her that I had been making payments and that my last payment was in XXXX. She said that it was n't enough. I told her that I still do n't see how this time frame would send my loan to collections since my last payment was in XXXX. No I did not make a payment in XXXX or XXXX, but they had already sent my debt to a debt collector in XXXX. At the end of our phone call they emailed me deferment paperwork. The paperwork she emailed me does not apply because I am not in school. I left a voicemail on her phone on XXXX XXXX, 2016 and hope to hear from her next week. I 've generally had a good experience with XXXX and there financial aid department but working with Williams and Fudge was a mistake. 

XXXX ( XXXX XXXX, 2016 ) I contacted XXXX and they stated that they could not tell me anything about the loan and that I would have to call Williams and Fudge. Williams and Fudge as stated above wo n't tell me anything. I found this strange. They said XXXX moved the loan from them to the debt collector. After a serious of questions I was able to find out that XXXX was the " loaner ''. So I finally understood that XXXX was the entity that I needed to contact. 

Williams and Fudge Williams and Fudge called my stepfather who is not a cosigner for the loan on his personal phone. XXXX XXXX was the name of the person that called. She refused to tell him what the call was about so he assumed that I was in danger or hurt. My mother called her back and once again she refused to tell them what the call was concerning. My mother was then angry because the nature of the call made them think that I was hurt or in danger. They were upset that XXXX was contacting them and asking them to call her back, but refusing to say what the call was about. 

I believe that Williams and Fudge is violating the FDCPA by doing the following : 1. Making Harassing Phone Calls : They called me on my work office phone number ( I am not allowed to make personal phone calls on my work phone ), Calls during dinner hours, Calls during work hours, Calls repeatedly throughout the day 2. Falsely representing the amount I owe. Williams and Fudge stated that my loan amount had risen significantly due to fees, but they would not tell me what these fees were nor the original amount of the loan. I do n't know what fees they are referring to? They also told me that the entire loan was due in full, but how I am supposed to trust an entity who wo n't even tell me all the information I need about the debt.