Williams & Fudge keeps calling you about a student loan, sometimes more than once a day, sometimes by text. The company has operated since 1986 and markets itself as a family-owned agency with high-touch service. Their marketing does not mention they rank among the CFPB’s top 100 most-complained-about debt collectors nationally.
Key Takeaways
- Williams & Fudge, Inc. is a real student loan debt collector based in Rock Hill, SC, founded in 1986, not a scam
- They rank among the CFPB’s top 100 most-complained-about debt collectors nationally
- Federal lawsuits allege unsolicited robocalls (Abrantes, 2018), deceptive fee language (Dibble, 2017), collecting on time-barred loans (Tonya F., 2018), and improper third-party disclosure (Asefi, 2025)
- They collect for 1,400+ universities and institutions, so their contact may look like it is coming from your school
- Do not verbally acknowledge a student loan debt over the phone. It may restart the statute of limitations or complicate federal rehabilitation options
- Not BBB accredited: 1.27 out of 5 stars, with 199 complaints filed in the last three years
📞 Free Case Review: +1-844-638-1122
🏢 Who Is Williams & Fudge
Williams & Fudge, Inc., also known as WF Corp, is a family-owned, third-party debt collection agency founded in 1986. The company is headquartered in Rock Hill, South Carolina, and operates from a single location rather than multiple regional offices. It specializes exclusively in higher education debt, representing more than 1,400 colleges, universities, and educational institutions.
That university relationship matters. When Williams & Fudge contacts you, the communication may reference your school by name even though the company is a third-party collector, not your university. Their client relationship gives them access to enrollment records and loan documentation, not authority to act on your school’s behalf.
In our practice, we request the original account-placement agreement between Williams & Fudge and the university on every file. That document shows exactly what authority the company has and when the account was assigned. It also confirms whether the balance matches the school’s own records.
- Legal name: Williams & Fudge, Inc. (also known as WF Corp)
- Address: Rock Hill, South Carolina (single-office headquarters)
- Website: wfcorp.com, including an online payment and account login portal
- BBB Profile: Williams & Fudge BBB listing, not accredited, 1.27 out of 5 stars, 199 complaints in three years
- Contact methods: phone, text message, and written correspondence
📞 Does Williams & Fudge Have A Phone Number You Can Verify
Williams & Fudge has not published a single confirmed collections phone number in company materials we can verify. If you receive a call or text claiming to be Williams & Fudge, do not confirm personal or financial information based on caller ID alone.
Instead, cross-check the number against the contact information listed directly on wfcorp.com, or respond only in writing to their Rock Hill, SC headquarters. If you are unsure whether a call is genuinely from Williams & Fudge, that uncertainty alone is a reason to put everything in writing before you say anything else.
🤔 Why Is Williams & Fudge Calling You
Williams & Fudge is calling you on behalf of a university or educational institution that assigned or sold your account. Their 1,400-plus client relationships span federal student loan servicers, private loan holders, and direct tuition balances. Their reference to your school’s name can make it hard to tell whether you are speaking with your institution or a third-party collector.
- The loan may be older than you remember. The Tonya F. lawsuit alleged Williams & Fudge contacted borrowers about loans over ten years old without disclosing that the legal window may have closed
- The balance may include fees not clearly explained. The Dibble class action specifically challenged a $7 convenience fee and misleading interest language
- The loan may already be in deferment, in rehabilitation, or resolved through your university
- They may be contacting people connected to you. Consumer complaints describe Williams & Fudge allegedly contacting neighbors to pressure borrowers
⚠️ Is Williams & Fudge A Scam
No. Williams & Fudge is a real, licensed debt collection agency that has worked with universities since 1986. Licensed does not mean every tactic is legal, and their contact often catches people off guard because the communication may appear to come from a school rather than a third-party collector.
The CFPB ranks Williams & Fudge among the top 100 most-complained-about debt collectors nationally. Their federal lawsuit history spans robocalling, deceptive fee language, time-barred debt collection, and improper third-party disclosure. If a call or text feels wrong, verify it in writing before you engage.
🚫 Is Williams & Fudge Banned By The FTC
No. Williams & Fudge has not been banned by the FTC. No federal enforcement action against the company is documented in current records.
The absence of an FTC ban does not mean Williams & Fudge’s practices go unchallenged. Private lawsuits, including Abrantes, Dibble, Tonya F., and Asefi, allege specific FDCPA and TCPA violations tied to calling practices, fee disclosures, and data sharing.
In our practice, we treat a missing FTC action as only one data point. Private lawsuits like Asefi often surface current tactics faster than a federal regulator does. That evidence frequently matters more when building your own claim.
⚖️ Has Williams & Fudge Been Sued
Yes. Williams & Fudge has faced multiple federal lawsuits spanning four decades, covering robocalling, deceptive letters, time-barred collection, and privacy violations.
- Asefi v. Williams & Fudge (2025): Alleged the company improperly disclosed a consumer’s private student loan information to a third party without authorization.
- Tonya F. v. Student Loan Solutions and Williams & Fudge (2018): Alleged collection letters for loans over ten years old without disclosing the statute of limitations had potentially expired.
- Abrantes v. Williams & Fudge (2018, Cal.): A TCPA class action alleging unsolicited automated calls placed without consent, continuing after an opt-out request.
- Dibble v. Williams & Fudge (2017, Wyo.): Alleged false and misleading fee language, including an unauthorized $7 convenience fee for card payments.
- Shadrin v. Student Loan Solutions/Williams & Fudge (2022, Md.): Alleged violations of the FDCPA and Maryland’s state consumer protection statutes.
- Romano v. Williams & Fudge (2008, W.D. Pa.): An earlier federal FDCPA case predating their current compliance-focused marketing.
In our practice, we cross-check every Williams & Fudge letter against the fee language challenged in Dibble and the disclosure gaps alleged in Tonya F. Those same patterns still surface in current correspondence. That review often reveals which specific claim applies to your loan.
📋 Does Williams & Fudge Report To Credit Bureaus
Yes. Williams & Fudge reports delinquent accounts to Equifax, Experian, and TransUnion. Consumer complaints describe the company maintaining negative entries even after borrowers dispute the underlying debt.
- If the entry is inaccurate, dispute it with all three bureaus in writing, citing any validation failure, time-barred status, or amount discrepancy
- If the debt is time-barred, it may still appear on your report, but paying it without legal advice may restart the collection clock
- If fees look inflated, reference the Dibble case’s $7 fee challenge and document the gap between your original loan amount and what is reported
- For pay-for-delete, negotiate a written deletion commitment from all three bureaus before making any payment
🛑 How Can You Stop Calls From Williams & Fudge
Student loan debt requires more care than general consumer debt, because how you respond can affect your federal loan options. Follow these steps if Williams & Fudge keeps contacting you.
1. Do Not Acknowledge The Debt Verbally
Verbal acknowledgment, even something casual, can potentially restart the statute of limitations in some states. It may also complicate eligibility for federal rehabilitation and consolidation programs. Respond only in writing until you understand what you are dealing with.
2. Request Written Debt Validation
Within 30 days of first contact, send a written validation request to their Rock Hill, SC headquarters. Ask for the original creditor and university name, the complete payment history, a copy of the promissory note, and whether the debt falls within the statute of limitations.
3. Verify Federal Loan Status Independently
If the debt involves federal student loans, verify the account status through the National Student Loan Data System first. Federal loans carry rehabilitation, consolidation, and income-driven repayment options through the Department of Education, not through a third-party collector.
4. Document Every Call And Text
Consumer complaints describe Williams & Fudge calling over ten times in a single day. Each automated call or text without your prior express consent may constitute a separate TCPA violation worth $500 to $1,500. Log every contact with the date, time, and content.
5. Send A Cease-and-Desist Letter
If contact continues after validation, mail a certified cease-and-desist letter. Under the Fair Debt Collection Practices Act, all contact must stop except to confirm cessation or notify you of legal action.
6. Hire An Attorney
Once Williams & Fudge knows you have legal representation, contact must route through your attorney. The Wood Firm PLLC works on contingency and offers a free case review before you commit to anything.
🤝 How The Wood Firm PLLC Helps Stop Williams & Fudge Debt Harassment
Student loan collection sits at the intersection of FDCPA protection and federal education law, which creates more angles to defend than general consumer debt. We examine collection letters for the fee language challenged in Dibble, evaluate whether your debt falls within the statute of limitations under the Tonya F. framework, and pursue TCPA claims for unauthorized robocalling or texting. We also assess whether any third-party disclosure occurred under the Asefi theory.
We send a legal notice immediately after you retain us, and contact typically stops within 48 hours. You pay nothing unless we win, and Williams & Fudge pays our attorney fees if we prevail. Call +1-844-638-1122 for a free consultation.
📣 Williams & Fudge keeps calling, and you deserve answers. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency, so if Williams & Fudge violated federal law, they pay our fees.
❓ Frequently Asked Questions About Williams & Fudge
Williams and Fudge keeps calling me is that legal
Repeated calls, especially more than once a day or at odd hours, may cross into FDCPA harassment. If they also use automated calls or texts without your consent, each one may be a separate TCPA violation worth $500 to $1,500. Log every call and text with dates and times.
Is Williams and Fudge a real company or a scam
No, Williams & Fudge is a real debt collection agency founded in 1986 in Rock Hill, South Carolina. It ranks among the CFPB’s top 100 most-complained-about debt collectors. Legitimate does not mean every practice complies with federal law.
Should I acknowledge the student loan debt they are calling about
Not verbally, and not without verifying the debt in writing first. Verbal acknowledgment can potentially restart the statute of limitations and may affect federal rehabilitation eligibility. Request all communication in writing before responding substantively.
What was the Williams and Fudge Dibble lawsuit about
Dibble v. Williams & Fudge alleged their letters used misleading interest language and an unauthorized $7 convenience fee for card payments. If your letter includes similar fee language, it mirrors those specific allegations.
Can Williams and Fudge contact my neighbors or family about my loan
No. Under the FDCPA, collectors may only contact third parties to locate you, not to discuss your debt. The 2025 Asefi lawsuit alleges Williams & Fudge disclosed private loan information to unauthorized third parties.
Does Williams and Fudge report to credit bureaus
Yes, they report to Equifax, Experian, and TransUnion. If you believe the reported information is inaccurate, dispute it with each bureau in writing. Verify any reported amount against your original loan documentation.
Should I pay Williams and Fudge before getting legal advice
No, especially for student loan debt where your options are more complex than general consumer debt. Federal rehabilitation and consolidation programs may be available directly through the Department of Education. Call for a free case review before making any payment.
✅ What Should You Do Next If Williams & Fudge Is Calling You
Put everything in writing and verify the statute of limitations before you say anything else on the phone. Confirm your federal loan status directly through the National Student Loan Data System if applicable. If Williams & Fudge already violated federal law, contingency representation costs you nothing upfront. Call +1-844-638-1122 for a free case review.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
