Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (MO)

School took additional actions to damage my credit and stop me from returning to campus .... Was in retaliation to other investigations presently going on. 

Providing Additional Details from Case - XXXX Information from Missouri Attorney General Website before rechecking XXXX XXXX and finding additional error in reporting, plus additional funds being misrepresented and attempted to be collected on : " Consumer Complaint The Attorney General works to protect consumers and ensure a fair marketplace by enforcing Missouris Merchandising Practices Act, as well as other laws. By filing complaints, consumers let the Attorney Generals Office know about unscrupulous businesses and individuals. We rely on consumers to act as our partners in rooting out fraud and helping us bring criminals and scammers to justice. 

In addition to filing criminal charges and civil lawsuits, the Attorney Generals Office also mediates complaints between businesses and consumers. Each year, this mediation process results in millions of dollars in restitution for consumers through an exchange of services, fulfillment of promises, and many other ways that resolve many disputes. 

Because the Attorney Generals Office brings enforcement actions on behalf of the state, not individual consumers, it is prohibited by law from providing legal advice to you. If you want to preserve any private legal rights you might have, you may wish to contact a private attorney. 

Information About Your Complaint Your Contact Information Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Primary Phone : ( XXXX ) XXXX Secondary Phone : ( XXXX ) XXXX Email Address : XXXX Flood Victim : No Over XXXX : No XXXX : Yes Veteran : No Your Complaint Information Business Name : University of Missouri - XXXX XXXX Sales Method : Bait And Switch Complaint Category : Financial Payment Method : Loan Amount Paid : XXXX Date : XXXX/XXXX/XXXX XXXX XXXX Description : According to XXXX XXXX, I received an update in my inbox for the following, " XXXX/XXXX/XXXX XXXX XXXX ''. Upon reviewing the materials, previous complaints were sent regarding this same matter and retaliation being done by the school for an active investigation into their business practices regarding a Title IX complaint. When reviewin the information online, an option for a {$40.00} a month payment is indicated, however when speaking directly with the Cashier 's office for repayment, I was advised I could enter an agreement with them previously for around {$200.00} a month and/or payment in full, there never was offered an option to pay {$40.00} a month and the last time I spoke with the Cashier 's office was to advise them to speak to their higher up officials in their hierarchy before speaking with me in regard to these matters, due to the nature and Privacy issues concerns ( primarily with peoples sexual conduct on campus and files regarding such matters, but also with their private health records, consoling sessions and information regarding as federally classified according to HIPPA ). I did reach out to XXXX XXXX much later ( not in relation to this issue at all about payment as I was not aware of this update until checking my email today ) in regards to finding out what I would need to do to be able to re-enroll in classes on the campus and if we could setup a meeting, this phone call has not been responded to by the institution.The only means I understand the school to be acting presently is to show disregard for the HIPPA law, the active investigation, their internal procedures regarding the community as a whole on their school grounds, individuals safety including their private health information and they have provided at least at some point decent services, but a poor standard for aiding an individual that was being attacked by students and staff for reasons beyond their control. I myself was not the only student attacked in this way in the dormitories or on their campus and this additional insult of harming my personal financial means to payback any monies to them by damaging my financial status and financial reputation is additional retaliation on what they already advised was not available. In summary, I was advised I could n't pay {$40.00} a month and then on XXXX XXXX it is showing that they provided me that option and they did not. 

Business Information Business Name : University of Missouri - XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : Fax : NA Email : NA Website : NA Contact Name : Cashier 's Office ( previously ) & XXXX XXXX ( most recently ) Contact Title : Assitant Dean of Students Complaint Resolution Action Taken : Filed a complaint with another agency Other - Filed complaint with Missouri Attorney General and advised there was not any wrongdoing and/or it was not something they could assist me with, Additional Information : I 've already reached out to the company to handle payment isses and due to their stance, as well as the present nature of the active investigations that were going on, the matter has reached this point. 
Agencies contacted : Preferred Resolution : Refund Deliver Product Perform Service Repair Replace/Trade Investigate Businss Other - Review documents from Family Counseling regarding  XXXX update, update XXXX office, provide rework of payment arrangement and clearing of error on credit report and months negatively impacted due to error on providing reduced monthly payment, proceed with reviewing Self Defense aid on campus for XXXX, provide updates to Cashiers office and Counseling office regarding appeal of negative information due to retaliation from staff and some students. Provide refund for time spent in dormitory for myself and other individuals effected by retaliation and services not rendered. If I was paying to stay in a dormitory where people could openly harass me and potentially cause harm because they felt it was okay to keep someone from sleeping, studying or defending their person when they are cornered and being mocked and gaslight targeted for things beyond their control, then such place is not habitable and refunds should commence for each student who was targeted by the Financial Aid office and also students doing the cornering and/or targeting according to the Office Of Civil Rights reports. Further mold conditions in dorms must immediately be replaced as they cause issues with studying and people being able to breathe properly, previous issue reported by XXXX XXXX and she was regularly ambushed by individuals already reported in the Title IX complaint I understand that the Attorney General is not my private attorney, but enforces state consumer protection laws. 
A copy of the complaint will be provided to the merchant against whom this complaint is filed. 
By submitting this form I agree to testify in court to the facts stated in this complaint, if necessary. 
Please note that in accordance with Missouri law, consumer complaints are public records, subject to disclosure upon request. Your complaint, including your name, address, and related documents may be obtained pursuant to a public records law request. 

" Williams and Fudge account, plus original XXXX amount in report being reported negative since XXXX XXXX need to be looked into. 

Missouri Attorney General previously stated this was not an error and/or they could n't work on the matter as it was not something they could deal with. 

Original Creditor is attempting to collect two separate payment amounts on two misrepresented amounts. The time I was away from school since XXXX XXXX I was not a student nor staying on the campus and additional account increments were misrepresented, further information noted in above reference to {$40.00} pay scale never took place, the option was never provided by the Cashiers office.