Debt collection
Williams & Fudge: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 65
- Closed with money back
- 0
- 2023 to 2025
- 18 to 28
Williams & Fudge received 601 complaints from everyone in the window; 65 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0 of the 65 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 18 in 2023 to 28 in 2025.
What the complaints are about
By product
| Debt collection | 61 |
| Credit reporting or other personal consumer reports | 2 |
| Student loan | 2 |
By issue
| Attempts to collect debt not owed | 23 |
| Communication tactics | 13 |
| Threatened to contact someone or share information improperly | 7 |
| Written notification about debt | 7 |
| False statements or representation | 6 |
| 2023: 18 | 2024: 19 | 2025: 28 |
Which accounts, specifically
| Other debt | 19 |
| I do not know | 18 |
| Federal student loan debt | 12 |
| Private student loan debt | 10 |
| Private student loan | 2 |
What went wrong, specifically
| Debt is not yours | 16 |
| Frequent or repeated calls | 7 |
| Attempted to collect wrong amount | 5 |
| Didn't receive notice of right to dispute | 4 |
| Talked to a third-party about your debt | 4 |
Busiest month: April 2025, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from FL (9), GA (7), TX (7) , then CA, TN, VA.
How Williams & Fudge answered
| Closed with explanation | 65 |
Williams & Fudge responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Communication tactics. TX, 2024-08-27. Outcome: Closed with explanation. Complaint 9934569
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Debt collection; False statements or representation. OK, 2024-08-21. Outcome: Closed with explanation. Complaint 9877759
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Debt collection; Took or threatened to take negative or legal action. AL, 2024-08-12. Outcome: Closed with explanation. Complaint 9774910
If this is your problem at Williams & Fudge
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Harley Davidson Financial Services 65 servicemember complaints; 1 with money back
- Unifin 64 servicemember complaints; 0 with money back
- Bth Management 62 servicemember complaints; 0 with money back
- Continental Services Group, Inc. d/b/a ConServe 62 servicemember complaints; 0 with money back
- Colony Brands 60 servicemember complaints; 0 with money back
Next in the directory by volume: Egl US, FactorTrust.
Frequently asked questions
How many complaints did servicemembers file against Williams & Fudge?
65 complaints tagged servicemember were received by the CFPB about Williams & Fudge, Inc between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 18 in 2023 to 28 in 2025.
What do servicemembers complain about most at Williams & Fudge?
Debt collection accounts for 61 of the 65 complaints, and the most common issue is "Attempts to collect debt not owed" (23). Next: "Communication tactics" (13).
Does Williams & Fudge give money back when a servicemember complains?
0 of the 65 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 65 closed with an explanation only. Williams & Fudge answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.