Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: IN

Complaint narrative:
I was contacted by Williams and Fudge on XX/XX/year> at XXXX XXXX  where the individual on the phone mentioned they were calling in regard to a settlement offer I had made to my previous college in regard to my student debt. I was made aware that the debt was in their office and the original price of {$2200.00} was approved to be settled for {$1700.00}. I responded to XXXX XXXX, that I was not able to pay the entirety of the settlement today and could set up a payment plan. XXXX XXXX said that I was not able to make payment plans on the debt and responded saying " If you don't have the money to pay a debt, I don't understand why you asked for a settlement in the first place. ". I responded to XXXX XXXX by saying " any other place that has offered my a settlement on debts allowed me to pay in installments in order to get the debt cleared. ". His response was " nope. nope nope, you have to pay this debt today in order to settle this account. ". Once telling XXXX XXXX again that I can't and besides that I never received correspondence from XXXX  XXXX that this debt was going to collection or sent to any address, phone number or email that I have on file and I was told that by XXXX  XXXX he stated " ma'am I'm not sure why we're talking about the woman at XXXX  XXXX, we're pass that and I'm not here to argue with you. I was adamant with XXXX XXXX telling him that I was not arguing with him but simply having a conversation to see how best my debt can be rectified he told me that I am very argumentative and kept interjecting him which was not true. After him stating this, XXXX XXXX XXXX began yelling on the phone at me asking if I was settling the account or not and I needed to pay today. I stated to him that " it's funny how you call me argumentative and say I'm interjecting you when you won't let me speak when you're here yelling at me trying to collect money. '' After not wanting to speak to XXXX XXXX anymore I told him I am not refusing the settlement, but unable to pay at this time and he essentially stated the settlement would go away if I couldn't which I had to remind him that law states I have XXXX  days to pay a settlement offer once I am offered it which he then had to look into to confirm. Per XXXX  law as a XXXX party consent state, for my safety becoming afraid of XXXX XXXX collecting tactics I decided to record the ending of our conversation where I summarized the call to XXXX XXXX mentioned him yelling at me which he did not deny anything. After reading the law, XXXX XXXX the debt collector from Williams and Fudge breached 12 CFR Part 1006.14 ( Regulation F ) Harassing, oppressive, or abusive conduct in order to collect this debt from me. In addition to this, XXXX XXXX admitted to having my address where I live but never sent correspondence of such debt to me in order to rectify it in a timely manner as it accrued 18 % interest daily. He also, tried to get me to disclose personal information like how much I paid in living fees at my residence to justify how I should be able to pay this debt or have my spouse pay the debt. He stated that he contacted my old phone numbers about the debt and received no response, but called an updated phone number where he was able to reach me at this morning to have this conversation. He also said he just received this number from my previous school which he is collected the debt on but contradicted himself when he stated he had been reaching out to this number before for months in order to collect this debt. This alone shows that no attempt was made to actually bring this debt to my attention as well.

Company response to consumer: Closed with explanation