CFPB Consumer Complaint Profile

Williams & Fudge, Inc

1,391 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-05-15

1,391
Total complaints
305
Last 12 months
99.6%
Timely response
54
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, Williams & Fudge, Inc sits at #271, with 1,391 complaints logged. Its on-time response rate is 99.6%, ahead of the 93% median among companies with 100+ complaints.

#271
of 3,848 companies by volume
99.6%
answered on time
Debt collection
most-complained product
54
states with complaints
Williams & Fudge, Inc timely response rate 99.6%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 384
Debt collection - Other debt 244
Debt collection - Private student loan debt 198
Debt collection - Federal student loan debt 128
Debt collection - Other (i.e. phone, health club, etc.) 88
Debt collection - Non-federal student loan 65
Credit reporting or other personal consumer reports - Credit reporting 64
Student loan - Non-federal student loan 41
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 39
Student loan - Federal student loan servicing 37

Top Issues

1.Attempts to collect debt not owed 290
2.Communication tactics 249
3.Written notification about debt 157
4.False statements or representation 150
5.Cont'd attempts collect debt not owed 91
6.Threatened to contact someone or share information improperly 65
7.Incorrect information on your report 62
8.Took or threatened to take negative or legal action 59
9.Disclosure verification of debt 52
10.Dealing with your lender or servicer 42

Complaints by Year

Year Complaints
2013 38
2014 80
2015 74
2016 75
2017 85
2018 83
2019 78
2020 66
2021 65
2022 88
2023 134
2024 165
2025 302
2026 58

Complaints by State (Top 15)

Texas 134
Georgia 124
Florida 118
California 113
North Carolina 70
Virginia 59
New York 53
Pennsylvania 46
Illinois 39
South Carolina 38
Colorado 38
Michigan 36
Washington 35
New Jersey 34
Ohio 31

Company Responses

Closed with explanation 1,391

What the CFPB Complaint Record Shows for Williams & Fudge, Inc

1,391 complaints against Williams & Fudge, Inc appear in the CFPB record, including 305 from the trailing year. The 54 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Williams & Fudge, Inc's timely response rate stands at 99.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 15.3% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Williams & Fudge, Inc have?

The CFPB has logged 1,391 complaints against Williams & Fudge, Inc to date, of which 305 came in over the last 12 months.

Does Williams & Fudge, Inc respond to complaints on time?

99.6% of the CFPB complaints against Williams & Fudge, Inc get a response within the expected window. This is considered excellent.

What product generates the most complaints for Williams & Fudge, Inc?

"Debt collection" draws more CFPB complaints against Williams & Fudge, Inc than any other product - see the full breakdown above.

What is the most common complaint issue with Williams & Fudge, Inc?

Consumers most often cite "Attempts to collect debt not owed" when complaining about Williams & Fudge, Inc; the full issue list with counts is above.

How do I file a complaint against Williams & Fudge, Inc?

You can file a complaint against Williams & Fudge, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Williams & Fudge, Inc?

The CFPB has recorded complaints against Williams & Fudge, Inc from 54 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

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Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.