| 11/29/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau, and XXXX XXXX stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. ASCENDIUM & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
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| 11/19/2020 |
Yes |
- Debt collection
- Federal student loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Compliant with Consumer Financial Protection Bureau ( CFPB ) about ASCENDIUM ED XXXX from XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX CFPB XXXX, This is my second time contacting ASCENDIUM ED XXXX in writing requesting VALIDATION OF DEBT REQUEST about the Incorrectly, Inaccurate and Incomplete Information on my Credit File. The first letter was mailed on XX/XX/XXXX and a second letter was mailed on XX/XX/XXXX. This letter is in response to a phone call I received from ASCENDIUM ED XXXX asking them to provide me validation of this debt in accordance with the FDCPA 809 ( a ). My letter was clear this is not a request for verification or proof of my address. But a request for VALIDATION of this Debt. Re : XXXX More than 30 day have passed. ASCENDIUM ED XXXX has NOT supplied VALIDATION OF DEBT REQUEST. Here is the the following information I requested in both letters : The name and address of the original creditor, the account number, and the amount owed.
Verification that there is a valid basis for claiming I am required to pay the current amount owed.
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.
Please also note whether this debt is within the statute of limitations and how that was determined.
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
I asked ASCENDIUM ED XXXX If they fail to respond to this letter in the time allowed, I request that you stop your efforts to collect and have the account removed from my credit report.
( CFPB, I submitted a written request on XX/XX/XXXX and XX/XX/XXXX to VALIDATE the two DEBTS for account 5 and 6 on my credit file, all the information is inaccurate and incomplete ) Account 5 : ASCENDIUM ED XXXX Account Holder : XXXX Account Type : Installment Account Condition : Closed Date Opened : XX/XX/XXXX High Balance : {$0.00} Account Balance : {$9800.00} Last Reported:XXXX Remarks : Dispute Resolved Consumer Disagrees Completed Investigation Of Fcra Dispute Consumer Disagrees CFPB look at Account 5 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information when viewed on my credit report, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1 include Xs instead of the full number ( this is a BIG issue ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate for all these reason, this should be deleted from my credit file.
Account 6 : ASCENDIUM ED XXXX Account Holder : XXXX Account Type : Installment Account Condition : Closed Date Opened : XX/XX/XXXX High Balance : {$0.00} Account Balance : {$11000.00} Last Reported:XXXX Remarks : Dispute Resolved Consumer Disagrees Completed Investigation Of Fcra Dispute Consumer Disagrees CFPB look at Account 1 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information when viewed on my credit report, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1 include Xs instead of the full number ( this is a BIG issue ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate for all these reason, this should be deleted from my credit file.
Account 5 and 6 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1, 2, 3, and 4 include Xs instead of the full number ( this is a BIG issue we will discuss ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate ( 10 ) this should be justifiable deleted According to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
I enclosed a copy of the letter that was sent on XX/XX/XXXX and XX/XX/XXXX, it was the same letter I just changed the date on.
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| 03/24/2019 |
Yes |
- Debt collection
- Federal student loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/2019, my employer send me A emailing stating that my wages will be garnish starting XX/XX/2019. So I contacted the loan company to informed them about I never received any information and at that moment they updated my information ( address in the system as they stated ). Spoke with a representative who took my call and stated that they will still garish my wages even though I never receive any information first by mail but only from my employer who receive it on XX/XX/XXXX and 15 % will be taken out. I was informed by the representative that I can get on income base program after I make 5 consecutive payment, plus the {$5.00} a month for 6 months. I cant afford that and I just started this job back in XXXX and just moved here, but she stated in order to do that I will have too. On XX/XX/XXXX, I contacted the company about I never receive the information about the garnishment at all and was informed by representative that it was send out on XXXX XXXX to an address I never lived at, which I told them and the federal law ( Public Law 102-164 ; 20 U. S. C. 1095 ( a ) et seq ) stated that Your creditor must give you a 30-day notice, the representative placed me on hold because she did not know what I was talking about and I ask to speak with a supervisor. When the supervisor finally got on the phone and informed him about I never received a letter and thats not my address. I was highly upset because my social security number is on the paperwork my employer emailed me. The supervisor stated that it was my job to keep my address updated and I informed him that on the site that I access it is updated to a address that I receive my mail too. The supervisor was very rude and while he was talking I listen. So when he finished I explained to him again Sir I never received a letter and never stayed at that address and while I was talking he was raising his voice and over talking me. So when I ask him a question he didnt answer at all for and it was a very long dead air on the phone. I said hello like five times and no answer and when finally got on the phone again, I ask him did he here anything I said and his answer was yes and I said well I ask a question and you didnt say anything at all. So he stated again, its my job to update my information, I ask for his Boss and stated she is not in and that she is a very busy woman. So I ask for her name and number which he provided the name and said her number is the same as if I was calling in. I ask him do he know when she will be in and he stated I do not know, she is a very busy woman. I informed him that I will be filing a complaint because of his unprofessional towards me. On the following day I contacted XXXX about the situation and was informed to speak with the collector, I informed them that I have and they are unprofessional and rude. Representative informed me that I can do voluntary payment with them instead of the wage garnishment but it will be up to them. I said okay, I will give that a try. So I ask to speak with there consolidate representatives and I spoke with a a representative and she walked me through the steps and was informed that it will take up to 90 days but to contact the collector to informed them that I will be doing that and see can they place it on hold since it doesnt start until next month. So I contacted XXXX XXXX again and as I was speaking with a representative who placed me on hold 3 times after I was speaking with her about the consolidation she placed me on hold again and but her supervisor on the phone who I spoke with before who was very rude and unprofessional and he explained to me that, thats not a good idea because I wont be able to apply to the IBR program if I do the consolidation and it will be more interest and I said well Sir I am going to do the consolidation and he stated the wage garnishment will still take place, so I ask him about the voluntary payment I can do and he decline. So I told him that I would like to do a hearing and can they send me a validation of my information from them. He stated that they will. I ask them how long will it take for them to send it out because the paperwork that was send out to my employer stated XX/XX/2019 and she received it on XX/XX/XXXX. He stated we will send it out on today. He also stated if you do the hearing that they will have to remove me from the IBR program and I said okay. Thank you.
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| 11/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have disputed this creditor Ascendium Education on numerous occassions and baffled as to why this company has not deleted this inaccurate information. Ascendium is reporting incorrect data to XXXX and XXXX. Ascendium is reporting as if the accounts are new accounts. I have been disputing this for several months now because this company is reaging to keep on my credit reports. I had to research the company, as I was clueless to who this organization is. They are reporting numerous Ascendium Education accounts on my XXXX and XXXX credit reports as if they are recent accounts. I received an alert and it showed these accounts reporting opening dates as XX/XX/XXXX. I had my loans with several lenders, not Ascendium, which at this point the accounts are all obsolete. I never had any loans opened in XX/XX/XXXX which is what Ascendium is reporting. When I attended school, it was in 2001 or 2002 and I finished in 2009. So, I have been out of school exceeding 10 years. Then, when I completed school, I assisted in taking care of my father and my only sibling who both unfortunately loss their battle to XXXX, so I was not working or paying my loans. Then I became XXXX and still am, so I am not employed and have not been since completing school.
Ascendium knows reaging is against the law. Re-Aging a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance.
The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ).
I am asking Ascendium to research their records because the original crediors date is not the one in which Ascendium is reporting, nor are they are reporting correct payment history as it it will show no payment history for the original creditor. All of these factors will support that the creditor Ascendium should not be reporting any accounts that are obsolete as well as reaged on my credit reports. I have attached a copy of my XXXX credit report. I have attached XXXX XXXX report. I have attached a complaint and response from the BBB in regards to Ascedium and this was their response to a complaint by XXXX XXXX XXXX XXXX, Thank you for sharing your concerns regarding Ascendium Education Groups ( Ascendium ) credit reporting. Although we are unable to disclose account-specific information in the XXXX XXXX XXXX public forum, we appreciate the opportunity to respond to your Customer Review. Ascendium assumed ownership of your loans from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and is now the furnisher of data to the Consumer Credit Reporting Agencies using the Ascendium trade line. It is important to note that the same information previously reported under the XXXX trade line ( i.e : open and delinquency dates ) is the information being reported, just under the Ascendium trade line. Should you have any additional questions regarding your account, please contact us by telephone at XXXX ( please note that some calls may be monitored or recorded for quality assurance purposes ), or by email at *********@ascendiumeducaiton.org Sincerely, XXXX XXXX Associate Ombudsman Ascendium.
According to what Ascendium stated in their response to the complaint to XXXX XXXX, they should not be reporting this inaccurate ( reaged/obsolete ) information on my credit reports. According to the law, I can sue Ascendium for reaging ( reporting false information ) to keep on my credit reports. I am asking for them to immediately delete so this matter does not have to escalate to legal ramifications.
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| 03/03/2020 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I purposely defaulted my student loans to get a in-person hearing our over the phone hearing because XXXX and its previous names ( XXXX XXXX and XXXX XXXX ) would not work with me. The only options these student loan providers ever want to offer is forbearance, deferment, our the greatest scam of them all, the income based programs. Its very unfortunate this is my only option left to fight the amount XXXX claims I owe them. For almost 16 years I have lived with non-stop harrashment from XXXX XXXX, XXXX XXXX and now XXXX.
This past month ( XX/XX/ ) I requested all records of my student loans and payments ever made to XXXX, formally known as XXXX XXXX and XXXX XXXX. I requested these documents to support a over the phone hearing our a in person hearing that I have not officially requested to dispute the amount of money XXXX claims I owe them.
1. I HAVE NOT OFFICIALLY REQUESTED A OVER THE PHONE HEARING OUR IN PERSON HEARING AND XXXX HAS ALREADY DENIED MY RIGHT FOR A FAIR HEARING. XXXX STATES You requested an in-house or telephone hearing to stop the possible seizure of your federal tax refund or other federal payment ( s ) due you as allowed by the Treasury Offset Program ( TOP ). Your request has been denied. etc I NEVER REQUESTED A OVER THE PHONE HEARING OUR IN PERSON HEARING! I REQUESTED ALL MY STUDENT LOAN HISTORY AND PAYMENT HISTORY EVER MADE TO SUPPORT A POSSIBLE HEARING. IF XXXX OUR ASCENDIUM HAS THE REQUEST FOR REVIEW PAPER WORK THAT WAS SENT TO ME TO OFFICIALLY REQUEST A REVIEW AND THE PAPERWORK IS FILLED OUT, ALL THE INFORATION ON THE PAPERWORK HAS BEEN FORGED! Please allow me to explain what I mean by OFFICALLY REQUESTED. Ascendium, the deceiving collection agency supported by XXXX, sent paperwork to me that included the REQUEST FOR REVIEW. This paperwork gives me the opportunity for a over the phone hearing our in person hearing to dispute what XXXX claims I owe them. I have NOT SIGNED any of this paperwork titled REQUEST FOR REVIEW our sent it to anyone. To my knowledge, this paperwork is the only way to request a over the phone our in person hearing. XXXX denying my right for a REQUEST FOR REVIEW without giving me a chance to present any paperwork for a over the phone hearing our in person hearing should be against the law! There is a good reason why XXXX is currently being sued by many people for deceptive practices.
2. XXXX did not send me all the records of my student loans and payment history that I requested. I was only sent payment records back to XX/XX/XXXX. My first loan was taken in XX/XX/XXXX, I know there are more records and I want those records. Im very curious as to why XXXX is not disclosing this information.
3. My online account with XXXX has been locked for over a year. I have tried multiple times to access this account without any luck. I have sent numerous emails only to be told XXXX can not help me through email and for me to call random 1800 numbers. I have not called and will not. Once this deceptive organization gets a persons number the harassment never stops. I have even offered to meet with a representative from XXXX in person but they have denied those requests, imagine that. I have kept several email transactions with XXXX that I would really enjoy presenting to a court.
4. In XXXX I signed a 6 year enlistment with the XXXX XXXX that included tuition reimbursement. Payments on my student loans were made and more payment could have been made. I fought with XXXX XXXX, XXXX XXXX, and now XXXX about this matter for years and they all could care less. I have a contract from the XXXX XXXX showing I was enrolled in the tuition reimbursement program. I want to see my complete student loan record and payment history as stated before.
All I am asking is to have a fair chance to have my voice heard and receive a fair hearing.
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| 01/30/2021 |
Yes |
- Debt collection
- Federal student loan debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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I received a letter dated XXXX XXXX, 2021, stating that my Federal loan debt ( approximately 130k ) was taken over by another company after the initial company, XXXX/Ascendium in conjunction with XXXX XXXX XXXX XXXX, conducted a financial review/administrative hearing to determine if and what I could pay on the past loans. I never received any resolution from XXXX but the next time I heard anything about my loans was when I was contacted with a letter from the new company, XXXX, or XXXX XXXX XXXX. Again, I did not receive a determination letter or a conclusion to this initial review but rather, was contacted by a new collector named, XXXX XXXX XXXX ( XXXX ). I contacted ( via phone call XXXX XXXX ) XXXX and was routed to a XXXX XXXX XXXX XXXX XXXX ). According to the letter his department sent me and XXXX XXXX admissions on the first phone call, I had three options one of which was the ability to rehabilitate my loans with XXXX ( a federal loan servicer ). I was happy to hear that I could indeed start this option! XXXX XXXX initial conversation had to be cut short because I called him during my lunch break on XXXX/XXXX/21 but asked him if I could indeed call him back the following morning at XXXX XXXX est. he agreed. As planned, I called XXXX XXXX back on XXXX/XXXX/21 and the conversation went well, at first. I asked him based on the options his company sent in the letter and which he stated the prior day, could he please send me the proper paperwork for me to begin the loan rehabilitation program he refused! He demanded I give him, then and there, round-about financial numbers and personal documents, e.g., tax returns, IRS documentation, etc. I kindly stated I did not feel comfortable doing this approximation of what my true financial situation was as this would be especially important in determining my future payments I am a XXXX who does not make much, so this was especially important to me. The manager, XXXX XXXX then lied and stated, I spoke to XXXX and a staff member told me that you have had wage garnishment in your past based on the owed loans this was an outright falsehood, and had never heard of this before and assumed was his attempt to intimidate me into giving him what he wanted. I concluded after this conversation that the letter and XXXX XXXX claim of the option of rehabilitating my loan was a falsehood and a bait and switch tactic. I did become upset with him and accused him of being unethical and unprofessional ( and a few choice words ). Finally, I was willing to rehabilitate my loan ( s ) only to be misled and lied to by a person supposedly representing XXXX XXXX XXXX in good faith XXXX XXXX was not working in good faith and lied to get what he wanted, collection fees on his and his companys behalf. XXXX XXXX threatened to garnish my wages at the end of the conversation without giving me the opportunity ( as claimed by his letter and initial phone conversation which were recorded ) to provide sound financial information on my behalf to rehabilitate my past loans. Please help me resolve this situation and disallow this rogue representative of XXXX to treat people in the unethical and unprofessional way he treated me and to disallow him from proceeding with the wage garnishment of my XXXX salary. Finally, I will be going to the local newspaper to volunteer my current experience/situation with XXXX as an opinion piece to hopefully expose collections companies like this who prey on hard-working XXXX especially during the trying times. Thanks for your help in the matter. Kind regards,
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| 07/09/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE COMPANY, XXXX XXXX XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE fraudulent TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NTURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Burau of Consumer Financial protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit Bureaus and there is only on Bureau and that is the Consumer Financial Protection Bureau. XXXX, XXXX, XXXX and XXXX continue to report debt in the public that isnt mine.
On XX/XX/1933, Congress enacted HJR-192 section 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that whereas the holding or dealing in gold affect the public interest and are therefore subjected to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purpose to give the obligee a right to require payment in gold or a particular kind of coin or currency. Are in inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private depts. 15 USC 1681 3 ( E ) ( e ) The term information on a consumers character general reputation personal characteristic or mode of living is obtained through personal interview with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This reporting of amounts on these reports are also illegal. 12 CFR 1016 limits on disclosure ( non-public personal financial information. The agency assumed to make these reports on how debt is paid does not have the authority to report such information. This debt collection agency purchased the debt from the following : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX and Ascendium, My personal information was sole without my expressed consent. My ability to function in commerce as a consumer/natural person has been affected by these reports. My ability to obtain housing, transportation, job, and credit which is unlimited has stagnated me as a consumer. The alleged debt of over {$98000.00} XXXX dollars is unfounded. Please also see title 12 5518 and 5531 on banks and banking for further information. Please note the Bureau has have no authority under the section to declare an act or practice in connection with a transaction with a consumer financial product or service, or the offering of a consumer financial product or service, to be unlawful on the grounds that such act or practice is unfair, unless the Bureau has a reasonable basis to conclude that ( A ) the act or practice causes or is likely to causes substantial injury to consumers which is not reasonable avoidable by consumers and such substantial injury is not outweighed by countervailing benefits to consumers or to competition.
Also, all applications that are in the consumers name and that are traded must be disclosed. The abovementioned purchase debt traded, and the consumers personal data has been used to buy and sell securities without my knowledge.
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| 01/16/2020 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Approximately the SECOND week of XX/XX/XXXX, I received my XX/XX/XXXX school loan payment back in the mail from [ UNITED STUDENT AID FUND INC., C/O XXXX-XXXX XXXX XXXX, XXXX, IN XXXX ] [ A Student School Loan Servicing Agency ] where I have sent my school loan payments for approximate the last ( 4 ) four years ( XX/XX/XXXXto XX/XX/XXXX-Current ). When I called the XXXX XXXX XXXX they were Spreading False Statements that I had not paid on My School Loan since ( XX/XX/XXXX ).
Of Course not long after that, I received a letter from the ( Federal Offset Unit, Dept. of Treasury ) ( See attached ). But this letter from the Federal OffSet Unit WANTS to [ Withhold Funds from my Soc. Security Payments because of that False Statement -REALLY! ]. It does not take a genius to figure out what XXXX XXXX is doing. And the ( U. S. DEPT. oF Education, Federal Offset Unit in XXXX, TX ) always seems to be ( Agreeable ) with there [ Fraud-Like Deceptive Conduct ]. Often times, Ive noticed Student Loan Collectors, at the end of the year, they find any reason or excuse to distort receipt of payment so the loan will be placed in ( Default ).
I came upon a number for XXXX XXXX XXXX XXXX ( XXXX ). The personnel I spoke with At that XXXX XXXX XXXX XXXX XXXX stated that they are showing the last payment from ( me/my account ) to that XXXX XXXX was in ( XXXX ). EVENTHOUGH, I have been sending payments there since ( XX/XX/XXXX till end of XX/XX/XXXX ). ( SEE BANK PROCESSED ATTACHED CHECK COPIES FROM XX/XX/XXXX THRU XX/XX/XXXX ). SO THAT MEANS THE XXXX XXXX XXXX XXXX HAS LOST ALL MY SCHOOL LOAN PAYMENTS SINCE ( XXXX ). I also have an ( OFFICIAL LETTER ) ( SEE ATTACHED ) stating the Name and Address of who I am to send my School Loan Payments to FROM THE ( UNITED STUDENT AID FUND INC. ) [ Approved by the Dept. of Education ].
What Needs To Be Done To Solve This Matter : IMMEDIATELY, XXXX or the DEPARTMENT Of EDUCATION, FEDERAL OFFSET UNIT, ETC. Needs to ( WITHDRAW ) my loan from a Default Position because There are Proof of Payments Since ( XX/XX/XXXX TO PRESENT ). And because I did not carry out the Irresponsible Act of Losing those Loan Payments or Concealing them.
XXXX XXXX XXXX XXXX needs to Officially be required to find those LOST School Loan Payments.
The Department of Education needs to send an official letter to me stating who I should make my payments to now or in the future.
Also, the Department of Education needs to be aware of the history of my school loan payment position ( regarding consolidation ). If they can not research it or keep up with it, call me and I will email or fax ( a copy of the situation that took place during my loan consolidation ) to them ( i.e. My School Loan Consolidation was not properly carried out by the Collection Agency Selected by The Department of Education ) placing me in this Limbo Payment position I am in now.
NOTE : I have had to seek the Assistance of the Consumer Financial Protection Bureau with similar type of problems in the past from school loan Collectors/Servicers via the U.S. Dept. of Education ( Federal Offset Unit ). [ See CFPB Case # XXXX & XXXX ].
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Companies Involved : United Student Aid Funds , Inc.
C/O XXXX XXXX. XXXX XXXX XXXX, IN XXXX XXXX XXXX ( School Loan Servicing ) XXXX U.S. Department of Education Federal Offset Unit XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX
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| 02/18/2021 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I am totally confused regarding who and who is handling my student loan activities.
I took out a loan for graduate school between XX/XX/XXXX - XX/XX/XXXX with XXXX XXXX, then XXXX XXXX contracted my loan to a XXXX and now to Ascendium. My loan amount then was about {$47.00}, XXXX. Have been paying on my loan since graduation except for XX/XX/XXXX due to XX/XX/XXXX crashed when I lost my job at XXXX/XXXX and I requested forbearance until I had another job in XX/XX/XXXX. Ascendium sent my loan for collection to XXXX XXXX XXXX XXXX , XXXX, XXXX, GA XXXX with a hefty collection fees of {$17000.00}. ( see attachment # 1 ). I was having difficulty paying my loan then a {$17.00}, XXXX burden was added bringing the total of over {$64000.00} with interest added ( I do not know how much ). This has been my nightmare. I started paying on my loan by wage garnishment from my Social Security benefits and from the State of Maryland. I last file a complaint with your Office with regards to how my payments are distributed. I never got an answer from Ascendium. I went on their website to only find payment from Social Security Administration and nothing from the State of Maryland accounted towards my account ( see attachment # 2 ).
Further after examining the loan I downloaded it states a loan date of XX/XX/XXXX and disbursement date of XXXX. I graduated from XXXX University in XXXX. I did not take out any loan in XX/XX/XXXX. I was not in any school whatsoever. So, I need to know where this came from.
Because of Covid-19 the Former President Donald Trump suspended payment & interest on student loans. And suddenly after he left office my name was sent to XXXX XXXX XXXX who is making threats about a law suit. I can not get through to anyone at Ascendium. Their machine will tell you for default loans call the Debt Collector. I do not want to deal with a debt collector, because they are not my loan servicer. All Ascendium has to do is to resubmit request for wage garnish to the Department of Treasury and The State of Maryland ( DHS ) as it was done before and I just have to acknowledge and signature. But they prefer sending my name to one of their cronies. Since it's had to get someone at Ascendium, I went on-line to check my payment history and I am surprise there is NO PAYMENT HISTORY whatsoever. See attachment # 3.
I would like to know whether this loan dated XX/XX/XXXX is mine or not because I did not request any loan for school in XX/XX/XXXX. If it is the old loan from XX/XX/XXXX-XX/XX/XXXX, I need a complete up-to-date payment history. I tried so many times to get this information from Ascendium but to no avail. ( see attachment # 3-1 ).
I am XXXX yrs old and I have requested four times for a Public Services Loan Forgiveness ( PSLF ) for my Federal Consolidated Loans and was denied ( 4 times ) : reasons ( 1 ) Because my loan was not consolidated ( which it says CONSOLIDATED ) on the attachment and ( 2 ) because The State of Maryland Department of Human Services is not a government or public service organization. ( See attachment # 4 ).
I request this matter be thoroughly investigated. Someone is getting rich from this Student Loan repayment schemes.
Thank You for your immediate attention.
Sincerely, Mr. XXXX XXXX
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| 10/01/2019 |
Yes |
- Debt collection
- Federal student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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You are the second person I am asking for help After a long career in the XXXX XXXX my daughter was seriously ill and had a chronic illness I resigned from my job and went back to school. I graduated from the University of XXXX in XXXX with a XXXX degree in XXXX XXXX during that time I was also working for the XXXX XXXX XXXX a XXXX XXXX and XXXX XXXX for underprivileged children in the XXXX XXXX XXXX system as a XXXX XXXX and XXXX XXXX. I also worked for XXXX XXXX XXXX which was an after school program for children in the XXXX XXXX XXXX for underprivileged children as a XXXX XXXX.
After I graduated I started receiving notices that I had student loans I contacted the Department of Education because I had heard that if you work for the XXXX or if you were working in a Job that you received your degree in that you could have your loans forgiven.
I contacted the Department of Education got all the paperwork submitted it to the Department of Education I received notification from them that I was not eligible because I didnt meet the guidelines ( which I do not have the information at this time anymore because it's been so many years ) it was not explained clearly to me the guidelines and they never sent back my paperwork nor did they respond to any more of my letters requesting the reason why.
I contacted the school and was told that it was for doctors, students oversees, and foreign students but the dept of education was saying it was for all students. But I decided to submit the paperwork again and I told them it was wrong and that the school told me about this and I wanted to know why I could not get the forgiveness.
Then several years later I heard about this program again and also heard that the Department of Education was dismissing student loans I reapplied again to the Department of Education for the dismissal then I received a letter ( XX/XX/XXXX ) from the Department of Education saying that I had no student loans which this letter I do have.
I retired XX/XX/XXXX and in XX/XX/XXXX I started getting letters and information from the list of companies listed below.
US Dept of Education Fiscal Service, Ascendum Education Group Inc, US Dept of Federal Offset Unit, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, US Dept of Education Recovery , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
XX/XX/XXXX my bankruptcy was discharged and no one came forward to say anything about these loans but I did get the letter XXXX saying I had no loans I'm confused on what is going on it has been over 17 years and they are doing this I am on a fixed income and retired and now someone is taking money out of my retirement ( the amount keeps changing ) I called each company they say its not them I called the department of education they say call the company but in the mean time they are taking the money from my retirement check and no one wants to help me or answer questions I have. This situation has caused me a very bad financial hardship.
I have tried to get this resolved and no one wants to help me no one is giving me answers but they keep taking the money which has now caused me a Financial Hardship. I am XXXX years old retired and need your help.
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| 05/10/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
Servicemember |
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I am a member of the armed forces that received XXXX XXXX order to a combat zone. XXXX was notified in writing and via phone along with my other two student loan companies of my XXXX and I requested a forbearance until my deferment became active due to financial difficulty ( exact dates and times can be released upon request along with all documentation ). The exact month that I left for combat I have a letter from XXXX stating I was eligible for the SCRA and additional benefits if I were in a war zone, which I was, as long as I sent my orders to them which I did. That same month XXXX sold my loan to ascendium education. Ascendium education has these loans in a defaulted status currently and did so at that time within two months of my XXXX. I was able to do research when I got back and I contacted them with no solution. I am in good standing with my other two student loans and have been who did place my loans on hold. I have researched and found out that part of one of the loans in good standing is owned by ascendium too. How can ascendium state that they didn't know anything? You can look in the national data base and see all of my loans and all of my information. You can also look into the military side of things. This is not hard. So they dropped the ball somewhere but want me, the service member to pay the outrageous interest rate prices that have accrued because they messed up. They violated the Servicemembers Civil Relief Act ( SCRA ) and did not defer some of my loans. They would not listen to me when I tried to explain even though it is in black and white when you look at my account in the department of education national data base. The collections department is constantly calling from different numbers. They call my cell phone, my work and then they are hanging up, threatening, threatening to garnish my wages. I believe this is not only harassment, a violation of ones rights and fraud, it is also a federal crime to a service members right to be protected from such actions. I have written proof. I have proof they were notified. I have proof that they own both of my student loans one in which was placed in deferment appropriately and is still in good standing. They have dropped the ball. All I have wanted was them to take all that outstanding interest off, consolidate and fix those loans, take off all those fraudulent reports on my credit so I can try to begin a more normal life again. They need to be held accountable for abusing the authority they have over individuals money and their credit. Thank you for your support in this matter.
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| 10/08/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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XXXX XXXX XXXX XXXX XXXX, has not honored my cease and desist telephone communications requests. Several times in XX/XX/2019 specifically, XX/XX/XXXX, and XX/XX/XXXX, I had rather intimidating and belittling phone calls with a representative ( Id # XXXX ), who used demeaning and aggressive language towards me. On one of the calls, she instructed me to get a prepaid card ( on which I would accrue monthly fees ) in order to make a payment and when I asked her if there were any other options available to me, she reiterated that if I did not make a payment within 30 days of receiving the notice of wage withholding, my wages would be garnished through an administrative garnishment.
Under the threat of an administrative garnishment, not having the money, feeling belittled by XXXX, and based on the threatening and condescending manner with which they spoke to me, I purchased a prepaid card in order to make the payment and enter into an arrangement for subsequent monthly deductions from the card. XXXX collected money from me in order to execute the agreement. However, on the same day that I made the payment, prior to providing XXXX with my card information, I requested that they provide me proof that I owe the debt because I could not find documentation it based on a review of my personal records.
Today, XX/XX/2019 I again received several calls from a number that XXXX called from onXX/XX/2019. On the XX/XX/2019 call, I told the representative that I requested that they stop calling me a few months ago and that I only wanted letter communications. Also, todayXX/XX/2019, XXXX sent me an email about the debt. It has become unbearable.
Also, I spoke with XXXX, the federal student loan servicer, to ask if XXXX was collecting on their behalf and the XXXX representative said " no, '' which increased my suspicion of XXXX XXXX began each call with me by stating that " they've been hired by XXXX '' to collect, which caused me a lot of stress.
I ask that all the calls connected to the account on which XXXX is attempting to collect be reviewed. In those calls, you'll find evidence that : - I requested that XXXX not call me ; - My communications with XXXX reps were abusive ; - XXXX reps deceptively represented to me that they were hired by XXXX to collect the debt ; - XXXX used the threat of garnishment to take a payment from me before providing me proof that I owned the loan ; and - XXXX may have committed other violations of consumer protection laws and infringed on any rights granted to me under those laws.
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| 06/23/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I entered into a rehabilitation agreement with Ascendium/XXXX ( made payments to XXXX XXXX XXXX- see below from their website ) in XXXX and paid six on-time payments. Based on the Federal Moratorium Law instituted by the US Federal Government ( " If you have a defaulted federal student loan and enter a new rehabilitation agreement during this pause period any date since XX/XX/XXXX the suspended payments that would have been made from the beginning of your agreement through XXXX XXXX, XXXX, will count '' - studentaid.gov ). I did not make my last three payments. Based on this new student loan Covid Relief law I should of received rehabilitation credit for the last three payments even though I did not actually submit these payments.
Consequently, I was under the assumption that my rehab program was successfully completed on XX/XX/XXXX. I initially called XXXX ( collections agency and the agency that sent my all of my rehab documents ) and spoke to XXXX ( XXXX XXXX ) to check the status of my rehab program. She advised me that I indeed completed the rehab program with their company and sent the information to Ascendium/XXXX. She also advised me to ask a representative at Ascendium/XXXX about my post-claim status. I called Ascendium/XXXX on XX/XX/XXXX and spoke to XXXX. She advised me ( after getting guidance from her supervisor ) that I would have to pay the last three remaining rehab payments to XXXX or I would have to " wait in the back of the line '' behind all of those who made the nine required rehab payments per Federal law. I explained to her about the Federal rehab payment moratorium and that I should have received credit for the last three remaining payments based on this law. She said she could only tell me what her supervisor stated I must do to finally have my loans rehabilitated. I was highly upset because I am finally trying to pay my loans back.
This is not possible if they do not allow me to rehab my loans, successfully. I feel XXXX is ignoring the law and treating my rehab program/others with an unfair and prejudice lens. I would like to know the status of my rehab program and when I will be expected to continue making future payments on my loans.
XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX XXXX Approved {$8.00} View receipt XX/XX/XXXX
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| 04/15/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Ascendium never contacted me at my current address which I have had over 10 years. I was informed by the Attorney General to submit the complaint. Ascendium Education is reporting 16 debts from previous creditors from student loans. I attached their response which confirms that they are falsifying dates to keep on my credit reports. All of my loans exceed 7-10 years, however they are reporting the opening dates of the the obsolete accounts as XX/XX/2016. Then they are reporting the payment history as the payment history starting in XXXX, 2016. It is against the law for a collection agency not to report the same opening and payment history of the original creditor. Even if the credit collection company reports the opening date in which they receive the defaulted account to the credit bureaus, it is against the law for them to report a payment history that is not the same as the original creditor. Ascendium should know that negative re-aging debt on credit reports is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is. Negative re-aging is illegal and, if it occurs, you are in violation of the Fair Credit Reporting Act. Some collectors do this intentionally. Collection accounts may be reported for seven years from the date that the party first fell behind with the original creditor. Thats true regardless of whether the account is paid, unpaid or settled in the meantime. If a collection agency re-ages the original date of delinquency, it is likely breaking the law, and the consumer should contact the Consumer Financial Protection Bureau and/or a consumer law attorney. I have attached my credit report so that you can see that Ascendium has changed the original date of the loans as well as they have changed the payment history. I also attached a copy of the letter from Ascendium and it supports that Ascedium is reporting false information to keep on my credit reports. If they do not remove this false data immediately, I will be forced to sue the organization. Please take note of the dates in which Ascendium is stating, the dates of the obsolete student loans, the dates reflect that I have had all of the loans exceeding 7-10 years which support they are outdated and should not be reporting as recent student loans as Ascendium is falsely reporting. I informed the loan holders numerous years ago that I am XXXX and I have been for numerous years and informed them of such,
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| 05/14/2019 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Servicemember |
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We have repeatedly been harassed by collection agencies for debts that DO NOT BELONG TO US. I have had to turn off my home telephone do to the non-stop harassment, even though the agencies were told by the PA Attorney General 's office to stop contacting us for someone else 's debt. Now I see you are thinking of giving even more HARRASEMENT Services to collection agencies who don't even verify whom they ae contacting @!!!!!
Just last month my husband 's EMPLOYER received a call on their personal Work cell, which resulted in an error being made in verifying whom my husband was and they had set up GARNISHMENT of MY HUSBANDS WAGES to the tune of {$60000.00} for someone else 's DEBT!!!!
EXCERPT OF EMAIL HE RECEIVED : On Thu, XXXX XXXX, 2019 at XXXX XXXX XXXX XXXX XXXX @ > wrote : XXXX, I wanted to let you know, we have received a Garnishment Order that requires us to deduct 15 % of your disposable income every pay for payment to Ascendium. This payment will be going to XXXX XXXX XXXX, phone number XXXX reference no XXXX. If you have any questions please contact this Agency.
I contacted the agency, who repeatedly transferred me to other people till I finally talked to a manager whom I notified we had already previously complained to the PA Attorney General about constant harassment and she verified they HAD THE WRONG SSN for the Garnishment! She then HUNG UP ON ME!
My husband had to go into his employers office and get a Office Manager to re-contact them and have the Garnishment Removed. Their was an employee error in verifying my husband, but that is NO EXCUSE the Collection Agency should be verifying whom they are owed money from BEFORE contacting someone's employer!
We were told the Debt was actually owed from someone in OHIO and WE HAVE ALWAYS been PA RESIDENTS!
We constantly have to reverify ourselves with our LOCAL PA TAX BUREAU as they had received false information that didn't make sense to them from OHIO, as we have been paying them Pa Local taxes all our lives.
THIS HAS TO STOP! I don't know what they are using to verify whom they are calling but they sure don't verify they are calling the correct people or relatives! and once One agency finds out they are calling the INCORRECT PERSON THEY SHOULD ADD THE INFORMATION SO WE ARE NEVER CALLED AGAIN!
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| 02/18/2021 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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As part of my loan repayment plan, I entered into a contract with XXXX. XXXX was working on behalf of Ascendium Education to service the loan. The loan repayment plan was set to automatically debit from my checking account on a specific day each month. No payments were missed. During XXXX, the Covid-19 pandemic occurred. When the CARES Act was passed by the U.S. Government, XXXX sent out a brief notification that payments would be temporarily suspended. There was no request sent in by me for this suspension. In XXXX of XXXX, I received a notification from XXXX XXXX XXXX XXXX, a collection agency who claimed they were working to collect a debt for XXXX ( latest collection letter attached ). I called XXXX on XX/XX/XXXX and spoke with agent XXXX XXXX. He told me that XXXX had ceased their suspension of payments in XXXX when the original CARES act expired. After 60 days, the account was sent to XXXX for collection. He advised me to contact XXXX to get a full explanation. I called XXXX on XX/XX/XXXX and spoke with XXXX, operation # XXXX. XXXX was very combative and argumentative. At several points in the conversation, she actually denied working for XXXX, instead claiming to work directly for Ascendium. Her fallback phrase, " your account is no longer in good standing '' was uttered in response to most of my questions. I asked why XXXX had not resumed their contractually obligated payments when their observance of the original CARES act ended. She refused to answer. When I asked why the account was sent to collections, she uttered her fallback phrase. When I asked why XXXX did not reach out to resume payments they had voluntarily suspended, she refused to answer. Eventually, I gave up on the conversation. As of now, XXXX wants me to enter into another contract with them, using XXXX as a servicer for a Consolidation. I feel this would be a very bad decision but feel pressured to try and get my account back into good standing. What are my options? XXXX has already added {$5000.00} in fees and interest in 2 months and Mr. XXXX says the interest is accruing daily. This debt is growing out of control and right now I see no hope.
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| 01/31/2022 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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Ascendium, the loan guarantor ( and XXXX, the loan servicer ) are both threatening collection action, call the loan and damage my credit history for an amount they claim is overdue, but I am actually paid ahead.
Briefly, I am paid ahead to approximately XX/XX/XXXX. XXXX claims that I am behind {$2400.00}, or that I started falling behind since XX/XX/XXXX. Ascendium sends letters and calls, but I offered to sit down with someone to go over my payment history evidence, Ascendium tells me I have to talk to XXXX.
On XXXX, I received a call from XXXX that I was behind over {$2500.00}. Since then, I have made XXXX calls to XXXX and XXXX calls to Ascendium to get clarification and resolve this issue since ( i ) not once in my online account 's dashboard did it ever say I was behind anytime in XXXX ; ( ii ) not a single monthly statement in XXXX showed I had a past amount due ; ( iii ) an account truly behind 9 months would have been reported already to a credit reporting agency and would have been transferred over to the guarantor ; ( iv ) and adding all of my payments in XXXX actually showed I was overpaid ( and still am ) since all of XXXX ; ( v ) no late fees have ever been assessed.
I have offered to share my evidence of payments, but no one has been willing to sit down with me ( in person or virtually ) or receive the evidence via email, mail, etc. On XXXX, I spoke to XXXX, Account Manager ( payroll / # XXXX ), XXXX, who discovered that someone, instead of updating my account to paid ahead to XXXX, actually typed XXXX. Everything unraveled from that point. However, she said it would be corrected within 24 hours by the accounting department ( or 48 if she had to take it to another department ).
On XXXX, when I called XXXX, I received contradictory information in that the matter would take 8 business days to get a response. On XXXX, I received a letter dated XXXX that XXXX was calling the loan and threatening credit harm if the " overdue '' amount is not paid by XX/XX/XXXX.
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| 02/26/2020 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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Im filing a complaint against Ascendium/XXXX XXXX XXXX/ Department of Education . I started going to XXXX, now XXXX ( XXXX College ) in XX/XX/XXXX and finished in XX/XX/XXXX. I was promised that I would be making more money with a degree and if not, they would provide me with a position making more money. When I finished my total was around {$18000.00} and I started paying monthly. In XXXX, I consolidated my loans, which means it should only be one loan amount and not two as they are reporting it. Sometime in XXXX/XXXX, it was determined by the government that XXXX Colleges was found to be fraudulent ; therefore, the loans were fraudulent and should have been discharged. At the time the total they said I owed was {$11000.00} and on another loan {$14.00}, XXXX. If you will notice, Ascendium wasnt on my credit report until XXXX, ( the year XXXX was breached ) and they reported these loans as if I had attended school in XXXX. In XX/XX/XXXX, Ascendium seized my federal taxes of {$5100.00}, claiming I owed them. I was contacted in XXXX by XXXX XXXX XXXX and told they were in the process of garnishing my paycheck and to stop it, I had to sign a contract to pay or my paycheck would be theirs ; I had to sign and agree to pay, and I have the contract to which I signed. They have been debiting every month since XXXX {$78.00} until the end of this year and afterwards I will have to start paying more. The way the contract is written is as if I just applied for a loan to attend school.
I reviewed my credit report and on my XXXX report, it shows over {$20000.00} in student loans owed, but on my XXXX, it doesnt show any student loans owed ; they all are discharged, as they should be.
A copy of this complaint will be sent to : Ascendium XXXX XXXX XXXX, XXXX WI XXXX Link to show that the college was fraudulent : https : XXXX Didn't have the correct problem to choose, but the problem is the loan was discharge and this company has picked it up.
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| 08/25/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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In a nutshell, XXXX in-house collections agency committed fraud by lying to the Federal Government in order to procure my federal tax refund. In XXXX of XXXX, after I became unemployed, I called XXXX to set up a payment arrangement for my defaulted student loans. Being unemployed, I could only set up a minimum payment of {$5.00} at the time. I was told by the supervisor ( who refused to give his name ) that amount was unacceptable. I told him I could not afford anything more, to which he replied that they would just submit a wage garnishment to recoup payment. I then informed him that I was unemployed so a wage garnishment would be a moot point. This upset him. I also asked to only be contacted via USPS, because I was tired of their repeated calls daily ( upwards of 5-6 calls daily ), which angered him further. I again offered the $ XXXX/month payment, he again refused it and said there were other ways to get me to pay and ended the call. Fast forward to XXXX of XXXX, and Im due my federal tax refund. On the day it was to post, it was offset by XXXX, in the amount of {$3000.00}. I called to inquire about the offset, and was told by the representative ( XXXX ) that the offset was entered at the end of XXXX due to failure to make payment arrangements with the collections agency. This is where they committed fraud! I did try and make payment arrangements, the collections agency refused the amount. They then told me that I had to contact the collections agency again to set up a payment arrangement. So I did, and was placed on their rehabilitation program where I am required to make ... wait for it ... a payment of $ XXXX month! The EXACT SAME payment I tried to make in XXXX. The collections agency LIED in order to procure my federal refund, which Im pretty sure is illegal, hence my use of the term fraud.
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| 01/22/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The address listed on the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The account numbers that they are reporting is " XXXX '' and " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter.
Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 52 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so.
Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX XXXX have NOT removed this account from my credit reports, or have sent me any kind of validation.
I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports.
Thank you for helping me resolve this matter.
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| 02/22/2023 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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I attended XXXX from XXXX. I withdrew because I was lied to about transferring my credits. In XXXX I applied for XXXX XXXX for XXXX and was denied. In XXXX, my student loans were XXXX due to being a permanently XXXX veteran. I wanted a refund on all the payments and offsets paid on my student loans. In XX/XX/XXXX XXXX advised me I would have to reactivate my loans to get a refund. On XX/XX/XXXX I received a letter from XXXX that my loans were reactivated. I was told that ascendium had my loans. Then after contacting ascendium I was told by them that the debt resolutions group had my loans. I contacted them and was told that to send him had my loans. When I go on the federal student aid website it states that navient has my loans. So after contacting all these companies I found out that ascendium does have my loans even though the federal student aid website states that navient has my loans. I contacted ascendium about getting a refund and they sent me an email from the XXXX stating I would have to contact the XXXX XXXX XXXX for a refund. Then about XXXX weeks ago I received a check in the mail from the Department of Education for {$1000.00}. I called the federal student aid customer service to find out what that check was from and nobody knows. I contacted the sending him XXXX again and they stated that they can't give me a refund once again and I would have to contact the XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX and they told me it's ascendium who would have to give me a refund since they acquired my loans in XXXX from navient and navient got my offset in XXXX. I'm being put in circles and nobody will give me an answer. I also have a XXXX XXXX Application that is pending that I resubmitted in XXXX just at my own advice because nobody was telling me what to do.
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| 02/14/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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I graduated XX/XX/XXXX. In XXXX I put my student loan in forbearance or so I thought, I had a infant and was unemployed. When I went to pay on my loan in XXXX XXXX XXXX told me my loan was much larger then what I applied for. I asked for a payout details to my college. I was told that they could not send me anything but they would tell me what was paid to my school. I had no way to dispute what was applied for or what was paid. I told them the amount was too high but I was told interest made it balloon. I did not make any payments because I always disputed the amount but could not prove anything ( My loan paper work was lost in a fire in XXXX ). After 15 years I did get a XXXX job that required I not have unpaid debt so started to make small payments on my loan. I then asked XXXX XXXX for my statement of payouts to my college and I was told they don't have anything to show me they just own the loan. After making payments my loan was bought again by another company. XXXX owns my loan now and on there loan page it says both of my loans one for XXXX and the other for XXXX are now {$25000.00} & {$15000.00}. The alarming thing is I have two loans that were still being disbursed on XX/XX/XXXX but I graduated XX/XX/XXXX, I never went back or applied to go back to school. I told the rep I did not go to school in XXXX and I did not apply for loans after XX/XX/XXXX. The customer service rep at XXXX said if I graduated in XXXX unless I signed for those loans in XXXX then there is some kind of fraud and my amount needs to be reviewed. I need to know why in XXXX loan where being paid out to the XXXX XXXX XXXX XXXX. The school is closed now so I can not get answers from the financial office. The XXXX rep told me to reach out to this site and XXXX XXXX.
|
| 02/01/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
Fraud is what happen when it was XXXX XXXX then due to all the unscrupulous activity these people where doing they changed name to XXXX and became 2 separate companies in order to save them self from their Investor and Department of Education who let the fraud take place. if you would like to know more about my case and refer me to an attorney that will be great .. My case is documented with the XXXX XXXX and my Loan is Null an void since the day they did fraud to me and my acct.
now since the Original company knows there was fraud and they know I have the proof to how it as I have done to the XXXX XXXX they sold of the Null and voided loan to XXXX XXXX, which is just another front for XXXX XXXX XXXX they also own this business. Id like to get the Contacts for the Lawyers who represented the 10 Teachers in New York and have then speak to me.
These people back in the days did allot of illegal things and it was because of me exposing them to the Fraud they where commiting they even changed how we could communicated with them .. I still have the old emails from my XXXX Acct that shows some of this fraud .. so they changed the way we had to correspond to them using there own portal that they later implemented so that borrowers could no longer hold evidence of communications and if you want to have them release it then now after they did all that .. it would require a Court Order how clever.
anyways my story is true and for so many year has not been challanged by anyone but myself and the XXXX XXXX but no legal Action .. Ofcourse we are all broke and credit harmed by all this scam and fraud that they are responsible for.
|
| 01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX Results Report Number : XXXX Date Generated : XX/XX/XXXX ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.
Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.
Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.
Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.
Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.
Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.
Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.
Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.
THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT
|
| 04/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, Ascendium, aka XXXX XXXX XXXX, aka USA Funds, aka XXXX XXXX XXXX, aka XXXX owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XX/XX/XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as Ascendium education solutions Inc fka USA Funds I sent a second request for validity XX/XX/XXXX I received a response letter from Ascendium Education Solutions Inc C/O XXXX stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XX/XX/XXXX.I have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Student Loans from Consumer Reports Dear Ascendium Education XXXX XXXX and XXXX , I am writing concerning the student loan account XXXX, associated with my name, XXXX XXXX, and my address as provided above.
Recently, I received a XXXX form which indicates that a portion of my debt was canceled. The IRS has accepted this cancellation, and I have duly paid the necessary tax implications associated with this form.
Given this, I kindly request that you update your records to reflect this accepted cancellation and subsequently remove the mentioned student loan from my consumer reports. As you might be aware, accurate reporting is essential to ensure that all individuals can benefit from the true reflection of their financial situations. Removing the loan from my report will help me in my future financial endeavors, and I believe it's a fair request considering the debt cancellation has been accepted by the IRS.
I would appreciate your timely attention to this matter. Please provide written confirmation once the loan has been removed from my consumer reports. If you require any further documentation or details regarding this, please feel free to contact me at XXXX XXXX I have also attached a copy of the XXXXXXXX XXXX XXXX
Thank you for your understanding and cooperation.
Warm regards, XXXX XXXX
|
| 06/21/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Loans dated back to XXXX - XXXX from XXXX XXXX XXXX students were consolidated in XXXX through XXXX XXXX or whichever provider was available at that time. Over the years I have had my wages garnished, collected upon through Federal tax deductions and I somehow still owe XXXX dollars from loans dated back XXXX - XXXX.
XXXX XXXX XXXX students students were recently granted reprieve from false tactics used by that company. However, the dates only go back to XXXX for some reason.
All students of XXXX XXXX XXXX students were told false claims about job placement and credit transfer. I had to absorb more loans due to the fact my credits were not accepted by University of XXXX and its subsidiaries.
I have never been shown how much I have actually paid since each company can put collections costs on top of debt which continually is passed around garnering more collections costs.
Please help research why these XXXX XXXX XXXX students loans are not applicable to the federal act signed by President Biden.
XXXX XXXX XXXX students loans are held by Ascendium currently. One example of never getting out of debt with these companies is exhibited below : One loan has an original disbursement date of XX/XX/XXXX via consolidation loan which were all used to pay off XXXX XXXX XXXX students Example 1 : Original loan amount {$11000.00} Currently owe ( via dept. of ed. site ) : {$15000.00} Example 2 : Original loan amount {$9500.00} Currently owe ( via dept. of ed. site ) : {$11000.00}
|
| 12/17/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ASCENDIUM COLLECTIONS has violated the FCRA by RE-AGING accounts AND reporting misinformation to credit bureaus which affected my credit scores, my financial life and my family 's life for over 2 years now.
Below are the inaccuracies which I have complained to credit bureaus about as well as ASCENDIUM and no one is taking this matter seriously. I have requested multiple times for them to prove this debt belongs to me and to correct my report and all I get is avoidance.
Please see my credit reports as well as the items I have addressed with them below.
A scendium XXXXYou are reporting that this account is a Charge Off and that there is a Balance and Past due amount of {$17000.00}? It can not be both. You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX is showing date last active is XX/XX/XXXX and date of last payment was XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal.
XXXX XXXX AGAIN, with this account you are reporting that this account is a Charge Off and a Past due amount of {$15000.00}? It can not be both! You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. Equifax is showing date last active is XX/XX/XXXX and date of last payment iss XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal.
|
| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I received a settlement offer from XXXX XXXX XXXX, on behalf of Ascendium offering to settle my student loan debt for {$6500.00}. Check was mailed on XX/XX/XXXX and was accepted/cashed by XXXX. On XX/XX/XXXX I am in the process of purchasing a home. The Loan Officer called me to say that the Department of Education is reporting that I still have an outstanding student loan in the amount of {$8000.00}. I called the DOE and was told they couldnt tell me anything because the loan had been placed with an agency, the XXXX XXXX XXXX XXXX XXXX XXXX. I called them on XX/XX/XXXX and was given voice mail, where I left a message. I called back later that day after not receiving a call back. I was sent to voice mail again and left another message. They were then closed for the weekend. On Monday XX/XX/XXXX I called and was given voice mail again. I left another message. I called a second time that day after receiving no call back and was transferred to XXXX, who told me he couldnt access my info and he transferred me to another office. I got voice mail again. I left a message. I received no call back so I called yet again. I told the receptionist that I really needed to speak to someone. She transferred me to voice mail AGAIN and I left another message. Im getting no help from this agency and cant even speak to someone about how to prove that the debt is paid. The Department of Education isnt helping at all either. This is keeping me from getting a home.
|
| 11/19/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
Older American |
|
Borrowed $ XXXX in approx XXXX for son. Repayment was for {$50.00} /monthly. But, honestly, we initially were inconsistent in payments, eventually we went into default, paid up more in XXXX to get out, and been paying monthly since, but when I lost my job in XXXX when the school closed, we had to let payments slide again. Now, I make half the amount I did. I work for an eligible, community based XXXX XXXX XXXX in an economically depressed area, XXXX Virginia. But I have been making consistent monthly payments of {$50.00} for years. I would like to be considered for a loan forgiveness program due to the huge loss of income after the loss of my job.
I believe I've been improperly persuaded to apply for a forbearance, I've been harassed on the phone sometimes 5-6 calls daily, for a few years, they are now threatening to place me in default again and damage my credit rating. The $ XXXX loan has ballooned to almost $ XXXX! Apparently this due to unknown additions for penalties, forbearance, a default, and each time sold to another lending service : XXXX XXXX to XXXX, to?? to XXXX and now to Ascendium. The loan has been growing by leaps and bounds! It is ridiculous! These are totally unfair practices adding up unnecessary additions and yet I receive no credit for paying them for years. I am seeking legal counsel, but am hopeful you can help guide me, assist with locating legal representative, or suggest options. Thank you very much
|
| 01/22/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have formally requested a hearing for the current Wage Garnishment that is being enforced on my salary from XXXX XXXX out of XXXX, NY. Apparently Im being held responsible for approximately {$26000.00} of Student Loans from XXXX XXXX XXXX XXXX XXXX XXXX for years spanning from XXXX to XXXX. I have filed an official Police Report that Im going to hand in with my Identity Theft Packet if needed. I only attended XXXX from XX/XX/XXXX to XX/XX/XXXX and was not aware of the identity theft that was going on using my personal information.
When I requested the Promissory Notes and Identity Theft Packet from XXXX and/or Ascndium I was sent loan information from a XXXX XXXX out of Texas also, which contained no Signature Page, those loans were in the amount of {$11000.00}. The other Promissory Note that was sent is not even my signature. The different loan amounts and account numbers are confusing because there are simply too many of them to keep track of and the amounts are different across the board.
I believe that the Administration Department at XXXX was using my personal information to apply for Federal Funding over and over again until finally going out of business. Ive also attached a reference about Federal Court granting relief for XXXX Students because Im not the only victim that this has happen to. This garnishment will absolutely put my family in financial peril, I will lose my house and everything that Ive worked for.
|
| 11/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Refuses to provide me the original creditor 's information, which supports that Ascendium Education has reaged the account to keep on credit reports. The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). I am requesting the original creditor 's information again which I am entitled. It will validate when the accounts were opened and the payment history. I have never paid anything on the accounts because I have been XXXX over 10 years. The accounts are obsolete and if Ascendium does not delete the obsolete accounts that they have reaged, I will be forced to retain legal representation against Ascendium. XXXX and XXXX are not requesting the original creditor 's info which supports the accounts are obsolete. I have requested a validation letter from both on numerous occasions and they have ignored and refused. After this. it will be an intent to sue. The credit bureaus has the authority to delete obsolete information ; however they are refusing to conduct a thorough investigation. They constantly send a generic response saying valid which is not true
|
| 03/30/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On Monday XX/XX/XXXX, I received in the mail a notice that my entire state and federal return had been taken by Ascendium Education Group to a total of {$9800.00}. When I called the number listed for this loan agency, I was transferred to another loan agency XXXX. It was at this moment that I found out that my loan is now in the hands of XXXX. I have been attempting to reach XXXX for an explanation of why my entire refund was taken by them, and they are currently not in office due to the corona virus and unable to take phone calls and instead are only operating by email. I wrote an email on XX/XX/XXXX stating my questions and due to the circumstances, hoping they will be empathetic and release my return either partial or full. I received a canned email with a attachment for an economic hardship application, not at all addressing one of my questions.
I was not aware of my default status, either was my loan consignor. I had been on automatic withdrawal from my checking account for over a year to Ascendium Education Group and it appears due to an inputting error with my debit card, the past 3 months of automatic withdrawals were not going through. Does 3 months of a mistake really warrant a {$9800.00} seize of my funds?
I have called MN Department of Revenue, the US Department of Treasury and both have been unable to assist me until I get information from XXXX.
|
| 11/26/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
XXXX XXXX - XXXX/Ascendium received notice that their alleged debt was disputed.
XXXX or XX/XX/XXXX XXXX/Ascendiums false claims were removed from credit reporting agencies & XXXX ceased collection attempts.
-XXXX. XXXX XXXX claimed to have acquired the alleged debt from XXXXAscendium XXXX
-XXXX. XXXX XXXX received notice through CFPB, of the multiple criminal & civil violations being committed me.
XXXX XXXXXXXX XXXX/Ascendium sent me a Legal Notice in regards to XXXX student loan claim in my past bankruptcy case stating [ in part ] : You are receiving this mailing to let you know about recent activity involving an attachment to a proof of claim Ascendium Education Solutions , Inc. filed in your bankruptcy case ... Ascendium filed a proof of claim in your bankruptcy case related to your student loans ... [ it ] had an attachment on which personally identifiable information... had been redacted... Ascendium later learned that, although the redacted information was not visible on the face of the attachments, it could be manipulated in such a way that it could be uncovered and viewed ... Ascendium is unaware of such manipulation or access involving your dataYou dont need to take any action...
-XXXX. XXXX XXXX/Ascendium has sent me an email which appears to be a resumption of collection attempt on the alleged debt.
|
| 11/01/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
Servicemember |
|
I have been an XXXX XXXX member for 13 years plus and when I applied for a student loan with the Dept of Education in 2008 I was approved for the XXXX this loan was given to me via Ascendium and the US Dept Of Ed. I have had the loan in forbearance several times with intention of using my education awards to pay this loan in time, I recently was informed that tis loan was in default and I owed a sum of {$9500.00} for a loan of only {$3700.00}!!! I as an XXXX XXXX XXXX XXXX member find this excessive interest rates XXXX and unacceptable at the time of the loan I had no understanding of the 6.8 percent interest on this student loan coming form the department of education!!! I have never heard of such a rip off of the student loan process!!! I need help reducing or canceling this loan as I have made several attempts via myamericorps.gov portal to pay this loan with no success and it continues to increase my interest apart from the covid-19 protocols someone needs to raise this issue to congress as XXXX students like myself have been placed in this situation base on my race credit and lack their of this is a violation of my civil rights to equal treatment and I want to raise this issue as high as it high as it can go to expos this travesty in the XXXX community!
|
| 03/14/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
2 of my loans say that XXXX dollars were dispersed ... ..yet thousands of dollars are due. My tax return has been taken from me since they went into default and XXXX of that is showing ever having been applies The amount of money my servicer says i owe is ridiculously higher than the website... .with no record of ever having received a payment I am lied to every time I call ... .Is a Federal loan not subject to FDCPA? What Federal agency would i contact to file an FDCPA complaint against the servicers for openly lying to me over and over. Saying that they are department of Ed, no you are a servicer and that is a lie... ..that is a violation of my FDCPA... .they tell me that i should have all my loans cancelled... even sent me the form and had me submit ... .i did ... .they told me that the Department of ED denied my application ... .Lie... .it was them ... ..Department of Ed never saw the application... .the servicers lie , lose payments, give false hope, and take my money. Why should i pay them. By the way its the FTC that manages cases of FDCPA... ..and the servicers claim to record calls for " quality '' i bet that the calls is " lost '' by the time they have to prove how bad they are.
****copy of complaint on department of ed website ****
|
| 11/09/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
One of my loan servicers is XXXX. They report to credit bureaus if a borrower is 90 days past due. I always keep a careful watch on when I may become delinquent. I was especially careful this year because I was going to consolidate my loans under the PSLF loan changes. A company, called Ascendium calls on behalf of my loan servicers to tell me about my options. They are not my servicer and they do not ask for payment. They have all of my personal information and say they trying to collect a debt. On XX/XX/XXXX I received a called from someone with Ascendium letting me know I needed to take action on my XXXX and XXXX student loans. They told me they would make everything current with my account, though the calls from my servicers might continue. I also received a form about income-based repayment. I even have an account number with Ascendium : XXXX. I complete the consolidation form and submit my PSLF to XXXX. Yesterday, XXXX reports that I am more than 120 days delinquent on several student loans. I told them about Ascendium and that I should be current. My credit score dipped XXXX points because of this. I want this off my credit score. I trusted Ascendium at their word and thought I would be brought current on my loans.
|
| 07/01/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Originated a student loan with XXXX XXXX XX/XX/XXXX for {$28000.00}. Made monthly payments until I became unemployed. My loan was sold to United Student Aid Funds & went into forbearance XX/XX/XXXX. Was informed I needed to make rehabilitation payments to XXXX XXXX XXXX starting XX/XX/XXXX to XX/XX/XXXX for total {$700.00} in order to become rehabilitated & then my loan was sold to XXXX. My complaint is that I was never informed by United Student Aid Funds , Inc. or XXXX XXXX XXXX that I would be charged a {$7900.00} fee to rehabilitate my loan. This amount was added to my student loan principle & interest. I have now been paying at minimum {$500.00} a month to date to repay my loan & I am just now getting close to my original loan amount of {$28000.00}. This undeclared rehabilitation fee has cost me thousands in interest alone. I could have been close to paying off my student loan originated over a decade later. United Student Aid Funds inc & XXXX XXXX XXXX should not be able to charge exorbitant undeclared fees for student loans already in trouble. Want to warn others & learn what type of legal recourse I have for this undeclared fee that has cost me close to {$20000.00}
|
| 07/11/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I received a statement from the school outlining aid received. On the statement one of the loans indicated an lgl ( loan guaranteed loan ) The other a guaranteed student loan. Also XXXX XXXX XXXX and Federal Pell grant. Noticed on the Federal student aid Pell grants are not showing for this school. Did some research USA funds were a short term lender ( last resort ) the school issued XXXX normally. That would explain why family members and next door neighbors were getting calls from USA funds to help guarantee a loan. Don't know how an lgl can result in a Federal stafford loan. USA funds put in my financial aid record that the loans were not going to be subsidized. Eventually they got some third party person as to what was disclosed to me to guarantee the loans. This too must failed and the loans became XXXX XXXX subsidize loans however no one could locate a subsidy. When I contacted federal student aid they said if I were 8issued a Pell it would show up. I believe my pell was used to guarantee those loans. Received an incomplete response of copies of letter sent to the Department of Education debt resolutions as outline in previous complaint.
|
| 11/29/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am attempting to contact my loan servicer but keep getting the run around. The last servicer I knew about was XXXX, so I called XXXX today and was told that my loans were paid off. After further investigation I was told that my loans were actually just transferred to XXXX XXXX. So I called XXXX XXXX and they told me they did not have an account for me so the representative told me to go to XXXX to find out who my loan servicer was. XXXX told me my loan servicer was XXXX. I called XXXX and put in my personal information ( SSN and DOB ) and was transferred to a phone number for XXXX. Unfortunately for me, no one answered and there is an automated message saying to call back during normal business hours but does not say what those hours are. I was not even able to leave a message. It was only XXXX PST so I can't imagine an office being closed at this time. I tried contacting these same people like 2 months ago and have not been able to reach anyone. I just want to know who my loan servicer is and I need to be able to speak with them regarding my account. It really shouldn't be this hard to get a hold of someone.
|
| 02/08/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a debt collection letter dated XX/XX/2022 from Ascendium stating that I was delinquent on my XXXX student loan. I checked all my loans on studentaid.gov and I am not delinquent on any of the loans. I called ascendium to ask for verification of the debt. The letter itself includes a debt collection notice that states in part " if you tell us you dispute some or all of your balance within 30 days of receiving this letter, we will send you information verifying a portion you dispute. '' However, the agent I spoke to claimed that ascendium can not verify this debt, and that despite receiving a debt collection letter from ascendium I have to verify my debt with XXXX. However, I have not received a letter from XXXX and only have an ascendium reference number. Instead of agreeing to send me verification of the debt as the letter states they would, the agent also tried to shuffle me towards programs to get caught up on my loan, which is not my issue here. I felt pressured to enter a repayment program for a debt that I can not verify, even after I explicitly asked the agent to send verification of the debt.
|
| 11/08/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The Ascendium loans and the XXXX loans on my account are fraud. All of my student loans were paid-in-full by a second mortgage HUD 1-A with disbursements directly to XXXX in XX/XX/XXXX ( please see attached evidence ). I graduated from the University XXXX XXXX in XXXX. I never had any other student loan debt and all of mine was paid in XXXX by the aforementioned second mortgage. The XXXX and Ascendium loans are fraud and must be removed from my account. XXXX was helpful, and removed the debt from my credit report. XXXX was non-responsive and continues to post numerous repeats of the fraudulent debt regardless. The fraud representative, XXXX, with XXXX was not helpful. We spoke with XXXX in the fraud department with XXXX, formerly XXXX, who confirmed my loans were paid-in-full in XXXX. XXXX did not want me to ask questions or to speak, other than just providing my personally identifiable information and updated contact information to the creditors. XXXX ended the call with XXXX without asking him To send notice to her or the other agencies XXXX and Ascendium who are subsequently and wrongfully reporting.
|
| 04/13/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I get an email daily stating what is coming in the mail. I received a letter with not post date on it. Inside the envelope there was a letter threatening garnishment of my wages. The envelope was also not certified. The letter was dated XX/XX/2021 but it arrived at my door on XX/XX/2021, two weeks after the date of the letter. They were wanting me to fill out extremely personal information but the letter looks suspicious. I didn't want to fill it out any information because i didn't feel comfortable by how I received the letter. This account is not listed on my credit report either. It stated it had been charged off. I don't want this to reflect on my chances of trying to purchase a home. I have been working hard on my federal loan to pull it out of default. I don't want another loan in default to prevent my chances further when I'm so close to getting stable housing for me and my kids. Please advise what I need to do. Attached you will see the email I receive daily informing my about incoming mail as well as the copy of the letter and what the envelope was like.
|
| 11/18/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX-SS was garnished for approximately {$420.00} for a student loan they claimed I took out wit an electric signature in XXXX. I had never received a bill until XXXX. That was 13 tears after I supposedly took out the loan. I filed bankruptcy in XXXX and this loan DID NOT show up on outstanding bills I owed. I began corresponding with them in writing and verbally to no avail. Im XXXX years old on a fixed income. I just went through XXXX XXXX XXXX & treatment & do not need the additional stress of my finances being taken away. I spoke with a man named XXXX & told him they could not take my SS. He said, Yes we can. We are the Federal Government and we can do anything we want. I felt hopeless and discouraged. No company or individual has this right over a consumer. What can I do. Thank you in advance for your help. My loan group number with XXXX is : XXXX. My next payment is due XXXX for {$230.00}. XXXX is also taking $ XXXXmonth for this loan to pay Ascendium, creditor # XXXX. XXXX ID # XXXX. This situation is unbelievable.
|
| 01/25/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I went to school from XX/XX/XXXX-XX/XX/XXXX, was injured at work and had to drop out. I was off work for a XXXX and went back to work in XX/XX/XXXX. They started garnishing my wages and took all of my refund money. I now have a descent paying job and they keep selling my loans to other companies and charging me 25 %. When I pay the 25 % off they sell it again. I borrowed around 50k and paid off at least 25k and still owe XXXX! The current owners of my student loans are XXXX XXXX XXXX , XXXX and XXXX XXXX , XXXX . Previous owners include XXXX XXXX and Ascendium. The only company whom I was able to get ahold of for my balance was XXXX XXXX XXXX. These companies are making it literally impossible to pay off student loans! When I am being garnished {$800.00} per month I cant afford an extra payment, not to mention when I try to call them, the put you through 5 different people and send you to a voicemail that never responded back! Please help! My credit score has already been destroyed and I cant even get a mortgage for a house!
|
| 05/10/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I requested information regarding the new " XXXX XXXX XXXX' program, from Ascendium, one month ago via a phone call and email. They requested that I contact XXXX for more information on the program. Today, I received a letter stating my loans are being transferred to XXXX per MY request to begin the " XXXX XXXX '' program ( see attachment ) - I never made such a request. This would bring my XXXX loans out of rehab status. I would lose certain XXXX loan protections ( not including payment due ) by pulling them out of their current status- this was reiterated to me by a communication from Ascendium last year. ( I can provide the email if need be. ) Again, I did not request for my loans to be moved out of their current status and transferred to XXXX ( or another servicer ). Finally, I want my loans to be held in their current status with Ascendium until the payment moratorium comes to an end. The actions I have taken to resolve this matter were speaking with an Ascendium representative ( XXXX XXXX ).
|
| 06/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Ive had severe issues with the student loan process for at least 10 years. An on going fraudulence has occurred on my student loans which I believe started with identity theft. Im unable to get resolution and require legal assistance. Ive contact every department related to my claims & accounts for the past 3 years. I only get people taking my personal & private information and telling me to pay up or else! No one will actually help me. They defaulted my loans. Triple the loan amounts for no reason. Change servicing companys often. I need them to stop harassing me. Stop garnishing my wages. Stop taking my tax returns that are ONLY CHILD TAX CREDITS. Stop ruining my credit so I cant even have a place to live. The lenders dont answer the phone. I called XXXX XXXX to inform them of how the loan was being processed and was transferred three times. What is that about!?! Sounds like a problem!
I HAVE ALREADY COMPLAINED TO YOU! I have already filed complaints. I have already been in this loop of shame!
|
| 03/13/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ascendium Education Group took over my student loans some time ago. I was not aware, but they have been accepting payments from me since XXXX and not reporting that information to the credit bureau. To make matters worse, I consolidated my loans with another servicer and they are now in good standing with that servicer but Ascendium has flat out refused to remove the negative information from my credit bureau report and it is costing me. They are reporting two loans in collections and charged off. Neither is true. They are actually falsifying information on my credit report. I want these two accounts removed from my credit report. I want the collection and charge off status removed because those are false statements. This has now become a housing crisis for me. The loan officer has suspended processing my application for a mortgage and I have to move by the end of XXXX as I already gave notice at my current home. I'm about to be homeless because of their falsified negative reporting.
|
| 01/25/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
On XX/XX/XXXX I received a Wage Withholding Administrative Hearing Final Decision from XXXX XXXX XXXX XXXX with copies issued to myself & XXXX XXXX XXXX. The Decision states " Ascendium or Borrower may request reconsideration of this decision anything after 6 months from the date of this decision. '' I received a new letter from Ascendium dated XX/XX/XXXX stating they are starting attempts to collect from me already.
I called them on XX/XX/XXXX to ask them why, based on the above decision they were contacting me already and they said my Final Decision had nothign to do with them and the amount was due and that they were going to start procedures on me. They were not trying to listen to the fact that my Final Decision said I have 6 months before they could reconsider. I hung up the call.
I want to know how they are starting to begin collection again within the 6 months of my Final Decision. Don't I have right protecting me from this violation?
|
| 05/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
This debt is not mine and I was given no evidence of this being valid.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
ASCENDIUM ED SOLUTIONS XXXX ASCENDIUM ED SOLUTIONS XXXX ASCENDIUM ED SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/12/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I am making this complaint against Ascendium Education Solutions because on XX/XX/2023 my student loans were discharged due to the Borrower Defense Case concerning the Sweet v. Cardona ( " Sweet '' ) lawsuit Ascendium Education who is contracted under the Florida Department of Education refuses to give me back a refund because payments were to the loan through offsets and wage garnishments even though the letter clearly says in the borrowers defense letter the following " The benefits do not apply to private loans '' there is no written policy on ffelp loans that states that you can not be refunded or receive a refund! I spoken to XXXX who works for Ascendium Education Solutions in the ombudsman department and ask her to show me a policy on ffelp loans thats states that ffelp loans can't be refunded? I also requested for her to send me a copy of the master promissory letter and school records which she has not done so.
|
| 11/09/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
Thr XXXX suggested I file a complaint here against my student loan " servicer '', Ascendium who took my student loans in 2019. They offset my taxes of {$5700.00} & told me they gave it to a company, new mexico but it's not on any statement. Now they direct me to XXXX or XXXX XXXX to resolve any issues since my loans are in default. According to fafsa, national system data site- my servicer is ascendium & NOT these other companies. I mailed paperwork, they claim not to have received & continue redirecting me. They removed themselves from my credit reports for XXXX & XXXX. I have contacted ascendium, fafsa, dept of edu, complained, ombudsman 's offices everywhere, XXXX credit agencies etc. They still claim not to be my servicer so I can not resolve my loans, my offsets, I'm in default, it's nearly tax time again & I still dont have a servicer after 11 months!!! I have piles of paperwork & supporting documentation.
|
| 07/28/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
Ive paid off the loan as of XXXX XXXX. I paid this loan on a settlement price of $ XXXXto XXXX XXXX XXXX. Upon payment they informed me that XXXX/ascedium wasnt taking incoming calls at the time to resolve the issue in my credit report. XXXX XXXX XXXX deleted my account with them as soon as I paid the settlement amount and the payment cleared. Im calling them to receive an XXXX balance report they told me they couldnt because they deleted my account. I finally got ahold of XXXX/ascedium and they told me they would not email me a copy of my XXXX balance I would have to wait for a letter in the mail which could take up to 45 days. I informed them I needed this to be resolved for a mortgage loan. I provided them all documentation that it was paid and cleared. They still have refused to remove it from the credit bureaus as paid in full and in good standing. I have all documentation proving it was paid and has cleared.
|
| 06/14/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX and XXXX, representing Ascendium, falsely claims they have not received a letter dated XX/XX/2019 requesting validation of alleged student loan debt in the amount of {$9800.00}. They are now unfairly attempting to proceed with a wage garnishment as of a letter dated XX/XX/2019, and have not validated the debt as requested.
As of writing this, I am mailing a second request for validation of debt to XXXX. XXXX. This is also the 5th request for validation that has been sent to a collections agency in less than 1 year regarding Ascendium. The first four were to XXXX XXXX XXXX and the request for validation has never been satisfied. XXXX. XXXX, XXXX XXXX XXXX and Ascendium have demonstrated blatant disregard for the Fair Debt Collection Practices Act and legal action on my behalf is being considered.
XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX Ascendium XXXX XXXX XXXX XXXX, WI XXXX
|
| 08/22/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I set up auto payments with XXXX/ Ascendium but once i gave them my info they sent garnishment to my employer ( not a problem ). They have since sold my account to XXXX but they are still garnishing me. XXXX advised that they now have my account for repayment but i advised that I'm still being garnished by previous company. They advised to call them to see why garnishment is still in place since they sold my account. I'm being bounced around, nothing is being reolved. I feel as if I don't know who i should be paying. If they sold/forwarded my account why are they still garnishing me. This is why i don't give my account info/ employment info out, i don't need several companies drafting or doing whatever they want with my account. I am a single parent trying to pay off this headache of a loan all while still being able to take care of my XXXX kids and other financial obligations. Garnishment is {$170.00}
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I, XXXX XXXX XXXX, is submitting this complaint myself and no third party is involved.
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive lawful proof from ASCENDIUM EDUCATION XXXX that approval to collect on the alleged debt was granted in accordance to the UNITED STATES code listed above.
|
| 02/10/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Idiots. This is not a duplicate complaint. ONE IS FOR XXXX. THE OTHER ONE IS FOR ASCENDIUM.
NOT A DUPLICATE NOT A DUPLICATE NOT A DUPLICATE XXXX This is for Ascendium.
NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE.
YOUR COMPLAINT Ascendium, the loan guarantor ( and XXXX, the loan servicer ) are both threatening collection action, call the loan and damage my credit history for an amount they claim is overdue, but I am actually paid ahead. Ascendium sends letters and calls, but I offered to sit down with someone to go over my payment history evidence. Ascendium tells me I have to talk to XXXX. " ... see attachment for full text. ''
|
| 06/01/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Older American, Servicemember |
|
I have a student loan through XXXX XXXX who has a lawsuit against them. I agreed to pay a specific amount and have been paying. They transferred my loan to XXXX who has a lawsuit against them. They stopped accepting my money, started sending it back to make it look like I have not being paying I have a number of different companies calling me claiming they are the department of education and asking me for money.
When I call both XXXX XXXX and XXXX, I am told I have a XXXX balance and the company call me is not associated with them and they have no idea who they are. This company who has all of my information references XXXX XXXX and XXXX.
I believe this agency is a debt collect who access data bases and takes it upon themselves to collect and contact the parent loan people after they are successful in getting people to pay.
|
| 10/02/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Servicemember |
|
HI, All Federal Student loans were discharged due to permanent and total XXXX. All of this was completed thru XXXX and the loans were discharged thru documentation provided by the VA. XXXX is the loan servicer and they sent me information showing the loans as in fact discharged. The problem is 5 FFELP loans guaranteed thru Ascendium are showing still active.
I have tried contacting your company on numerous occasions and have had zero luck in receiving anyone on the phones. I have also sent emails and have not received a response back. Maybe the contact information received is wrong ; who knows. I am attaching documentation from XXXX showing loans discharged. Again, 5 loans guaranteed by Ascendium are still showing active.
When logging into www.studentaid.gov it reflects I have zero Federal Student Loans.
|
| 02/26/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have received debt collection notices from Ascendium Education Solutions , Inc. C/O XXXX Post Claim Assistance XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, -XXXX , PA XXXX-XXXX and address XXXX XXXX XXXX, XXXX, WI XXXX. The debt is for student loans paid to XXXX XXXX University. I never attended XXXX XXXXXXXX University nor did I do a parent plus loan for anyone attending XXXX XXXX University. The debt collection notices are addressed with my maiden name that I have not used in over 33 years.
I called XXXX in XXXX-XXXX, PA XXXX and confirmed there is no student loan debts associated with my social security number and names. I also called the Dept of Education XXXX Loan Locator dept and Dept of Education student loan servicing dept XXXX and confirmed I have no student loan debt owed to XXXX XXXX University.
|
| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
When I attended XXXX XXXX from XXXX XXXX XX/XX/2007 I had taken out several loans. However, in 2007 I had taken out loans that XXXX kept and never returned after I had left and graduated in XX/XX/2007 over {$10000.00} in private and government loan money. It appeared in my student loan history on XXXX XXXX XXXX XXXX XXXX at the time but now its on XXXX. After graduating I had caught the fraudulent act in XX/XX/2007. I called XXXX XXXX XXXX XXXX XXXX at the time and explain the situation and asked XXXX XXXX to return the loan money since I was no longer a student there but rather a alumni. At the time, the Financial Aid Director at XXXX XXXX promised he would return the loan money that XXXX XXXX illegally kept after I had graduated but never did. Can someone please help me investigate this situation?
|
| 12/19/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have been evicted twice and stayed at two homeless shelters since my yearly income tax returns have been taken by the US Department of Education and XXXX XXXX XXXX, and Ascendium. I have lost multiple jobs, and have even been unemployed since XXXX of this year. I am not able to make payments due to severe financial difficulties, but XXXX XXXX XXXX and Ascendium have repeatedly refused to help my financial situation. Their abusive collection patterns have forced me into poverty multiple times in the last 4 years since the Department of Education, XXXX XXXX, and Ascendium participated in stealing my tax returns. Now they are sending me threats. I can not pay the balance owed, I can barely afford food to eat and the medicine I am prescribed. I have also been adversely affected by the COVID-19 pandemic.
|
| 09/22/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Ascendium ED Solutions is reporting false information on my credit and has caused my credit to decrease over 200 points in the last cpl months bc of this false information.
My original loans went into default in XXXX, they are reporting them as of XXXX. They are knowingly reporting fraudulent information on my credit and should face consequences for knowingly doing illegal reporting. My loans have been in default for over 8 yrs and they should be takes off as old, outdated debt.
Ascendium ED Solutions is knowingly reporting fake information to damage my credit on purpose. They should be held accountable and face consequences for knowingly reporting false information and the huge opportunity costs that they have put me through on account of illegally damaging my credit.
|
| 07/05/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
Servicemember |
|
I have recently inquired that there has been an offset on my IRS tax return from the US Department of Education and lender XXXX XXXX. The offset was in the amount of XXXX and was taken over a decade ago back on XX/XX/XXXX I have confirmed the dates and amount with IRS, The Bureau of Fiscal Services, and the Treasury Offset Program. However, this amount has not been subtracted from my actual loans.On XX/XX/XXXX I have made at least 10 phone calls to different departments and agencies to help resolve my issue and continue to receive more contact numbers that go to voicemail recordings.Or I am refered back to a non existent loan carrier/ lender. Can someone please help me get this resolved as I really want to fix my credit score most important.thank you
|
| 10/30/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
Servicemember |
|
Ascendium send notice. I do not know who they are. XXXX did not notify me of change. I have written XXXX over and over on deferment forms and they never responded to my letter or notes. I gave up. I do not have phone to call. They failed to correct payments that I did make. They did not accept emails either. According to Trump has deferred interest and payment until end of year. Ascendium says I owe at 6.8 % interest XXXX and XXXX plus XXXX collection costs for total XXXX by XX/XX/20. This company in following Fair Credit laws. Unfortunately, I do have that kind of money trying to just survive.
Ascendium failed to provide a reasonable payment plan or deferment until it is affordable to pay.
This organization is using a threatening and pushy tone.
|
| 08/04/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXXeaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 02/23/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been garnished for student loan payments since XXXX and have paid over XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Ascendium Education Solutions. I have requested my payment history due to contacting the Department of Education stating my loans are still in default. The XXXX emergency student loan payments have been extended until XX/XX/XXXX but I have been garnished again since early XXXX. I haven't been able to get information from them to tell me where my money is going. I want to get out of default and my XXXX has not done that for me. I want the money applied to my student loans. I participated with XXXX XXXX XXXX rehabilitation program and completed it last XXXX. I have no information on the next steps on my student loans.
|
| 07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXXXXXX XXXX XXXX sold or sent the loan to Ascendium Ed Solutions. I was working with XXXX XXXXXXXX XXXX company to consolidate my loans. I spoke with one of Ascendium loan officers to let them know I was consolidating my loans. They tried to get me to consolidate with their company and I declined. They told me my loan was going to be charged off as default. I said Im working with a loan servicer now. I was told if I made a payment it would keep the loan from default until it was consolidated. So I made a payment. My loan was paid off by XXXX XXXXXXXX and consolidated but the Ascendium still reported my loan as a negative and charge off. I have sent in disputes and tried to reach them but they havent corrected my credit report.
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Pursuant to HR 748, the " CARES Act '' Ascendium Education Solitions VIOLATED THE LAW and has engaged in collection activities that have financially harmed me and my credit report.
I have two ( 2 ) student loans that are in default status, and Ascendium is such a poorly ran company I have been attempting to contact a human since XXXX to resolve this.
According to the CARES Act, they are prohibited from any collection activities until originally XX/XX/XXXX, but now extended until XX/XX/XXXX.
They ILLEGALLY reported negative information from XXXX through XXXX. This is a violation of the law and my rights. Refer to Subtitle B - Educational Provisions - Section 3513.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
|
| 01/19/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 11/08/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 02/01/2019 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
I am a victim of Identity theft and in the past my information was used without my knowledge. I have contacted each credit bureau and requested a copy of my credit report. I have disputed the inaccurate accounts and requested an updated copy of my credit report, I did not give anyone permission to use my personal information so I am requesting these accounts to be removed from my credit.
XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX XXXX XXXX Account # XXXX $ {$4000.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$5400.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX XXXX XXXX Account # XXXX {$8500.00} XX/XX/XXXX
|
| 07/24/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company is attempting to collect a disputed debt that is presently being investigated by the FL Atty General and several other entities. This is related to a XXXX student loan, which I have also filed a complaint against with you, due to their repeated violations of the Fair Debt Collections practices Act ( by disregarding 2 cease and desist letters issue to them ). In addition to XXXX continuing collection calls, they have turned this disputed account over to Ascendium Education Group in an effort to collect and harass me about this disputed account. They called me repeatedly - 11 times on XX/XX/2022. This is clear violation of debt collection laws and needs to stop.
|
| 10/11/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ASCENDIUM EDUCATION has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/10/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I am writing in regards to a company by the name ASCENDIUM who has been harassing me about monies they say I owe to them. I have never agree to a contract with them. They have stated that I owe them XXXX, XXXX. I have sinced asked them to send me a copy of the contract with their letter head that I signed an agreement with them. Of course they sent me a something with XXXX LETTER head. XXXX stated that the amount owed to them is XXXX. But ASCENDIUM stated the amount owed is XXXX more than navient has stated owed. Again I have never agreed with or signed a contract with ascendium. I don't understand how they can fudge XXXX extra.
Thank you XXXX XXXX
|
| 04/15/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I'm experiencing some major difficulties in obtaining loan information. I'm in need of a Master Promissory Note. The U.S Department of Education explained that my original loan provider, has the needed information. I have contacted XXXX XXXX a number of times and haven't heard a response. In order to pay this loan off I have to verify that all the information, that I have gathered, is in accordance with the Master Promissory Note. I had contacted XXXX XXXX a number of times in the past and requested the Master Promissory Note but they sent me disbursement statements. The information that I have didn't correspond with the disbursement statements.
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Although I am not under contract with, have never provided a wet signature agreeing to owing XXXX XXXX XXXX for any loan, and am not on video or audio confessing student loan debt with XXXX XXXX XXXX ; they continue to report defaulted private student loans to all 3 credit bureaus. Although I graduated from college in XXXX, since XXXX XXXX has been reporting me to all 3 credit bureaus regarding XXXX loans that I never took out with them. I have sent XXXX and all 3 credit bureaus letters disagreeing with their assertion. Nothing has changed. This nuisance has drastically impacted my ability to obtain credit and financial related opportunities.
|
| 04/27/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I've received a letter from Account XXXX XXXX XXXX who claims that Ascendium has authorized my employer to resume garnishment of my wages for my Federal Student Loans.
XXXX XXXX has extended the pause on Student Loan payments and collections activities until XXXX, XXXX. I've previously had no dealings with this company and I want to understand how they're able to commense collection on a debt that I've been paying through payroll garnishment by the dept of Education until the original pause in XXXX of XXXX.
The copy of the letter I received was sent to my employer and is dated XX/XX/XXXX Please advise what recourse I have in this matter.
|
| 03/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of Identity Theft and The Federal Trade Commission-Consumer Response Center-FCRA has been contacted and a complaint has been filed also I filed a police report and the FTC ID Theft Report on file. The accounts that are in question were originally with XXXX XXXX, the sold to XXXX, then sole to XXXX XXXX, and I have addressed the issue and they were deleted with All the Credit Bureaus. Now another company bought them under the name Ascendium Education which is reporting ( 4 ) accounts on my credit file ... Now another company called XXXX. XXXX XXXX XXXX XXXX XXXX is trying to buy the debt.
|
| 08/07/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
Unsubsidized FFEL Consolidation Loans I have been paying income-driven payments by an automatic deduction for years. At some point, the XXXX decided to change the way they do things unbeknownst to me and stopped my auto payment, thus defaulting me. When I figured I had to be close to payoff, I inquired so I could pay off any remaining balance cash I learned about the change and that there are no added fees.
I never wanted to stop any payments, even when I was in school again or when the covid pandemic allowed for the temporary halt of payments. I should have been fully paid off by now.
|
| 02/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
|
| 02/29/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
Servicemember |
|
I went to XXXX College of XXXX XXXX however i didnt finish school out due to the fact i had my son. However the school closed down shortly after me dropping out. I reapplied at another college only to find out non of my units/credits are transferable to any other XXXX college so i have to retake all the classes I owe my student loans on. which is over {$32000.00}. My principal is {$23000.00}. My accured interest is {$6000.00}. Collection fees are {$2800.00}. I dont know what my options are and Im really needing help in where i can go. The company is Ascendium/XXXX
|
| 01/02/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have tried contacting both agencies but XXXX XXXX would not speak to me at all they kept placing me on hold and transferring me. Now I have a company named XXXX XXXX XXXX, formerly XXXX XXXX XXXX calling stating they are going to garnish my wages. My loans are in deferred payment status til XX/XX/2019 because I am presently in school. The strange thing is the amounts are almost identical and I know I have been to school for almost 75,000 dollars. I am trying to get financial assistance now because I'm in school and can't because it has me in default.
|
| 09/10/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am the victim of identity theft. I have written to the debt collector named on my credit report Ascendium Education Solutions, Inc XXXX XXXX as well as the credit reporting agencies. The alleged debt was deleted from my credit report but Ascendium Education Solutions, Inc XXXX XXXX has yet to reimburse me for the funds that were stolen from me by way of tax refund offset. I requested the funds be sent back to me but I got no response. The funds that I am requesting are mine and should not have been taken in the first place.
|
| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
XXXX website is not allowing me to dispute inaccurate information.
XXXX is no longer in business and has reported inaccurate information on my credit report. I disputed on XXXX website and had received an error. I was given the fraud department phone number, then the consumer complaint department and then finally a dispute number. It's a game of frustration getting anything done. I submitted a FTC report and also a valid identification on my credit report. Its made to wear you down and not resolve any issues one per day.
|
| 01/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently applied for a home loan and discovered a collection account from Ascendium. I had finished paying off this account through garnishment in XXXX and was told the debt was satisfied and that the negative reporting would be removed. Not only is the account still reporting but is reporting a balance with late payment history as recent as XXXX. I believe this reporting is the result of an error or oversight but am unable to find anyone within the company able or willing to address this issue.
|
| 02/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
There are student loans showing on my credit report from 2008 which is from 12 years ago ( way too old to be on my credit report. I have tried disputing the info and reaching out to the collection company without any success. The collection company keeps reporting the info to my credit report which makes it seems like the information is new or the latest info. How can they keep reporting on information that is more than 12 years old. I have been unable to get this information removed.
|
| 10/26/2020 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
I haven't applied for student loans since XXXX and I have no connection to ascendium or whatever but I keep disputing the 8 accounts on my credit file and the bureaus keep verifying them as accurate. I just ran my name to see if my private information was compromised by XXXX in their XXXX security breach and apparently it was, yet XXXX never informed me and I can't provide evidence to support my disputed information. I just don't see how im obligated unless to a judge
|
| 01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
ASCENDIUM EDUCATION / XXXX XXXX XXXX WENT ON MY XXXX AND RUINED MY SCORE FROM ''XXXX '' TO ''XXXX '' AND THIS IS NOT ACCURATE ITS OLDER THAN 10 YEARS WAS OPEN XX/XX/2007 BY XXXX XXXX/ XXXX , IAM AM CURRENT I DONT KNOW WHY THEY KEEP DOING THIS THE OTHER 2 CREDIT BUREAUS ARE THE SAME WAY RUINING MY CREDIT I CAN NOT GET ANY LOANS WHAT SO EVER ... ... I HAVE PROOF THIS LOAD IS NOT ACCURATE AND ITS OLDER THAT 10 YEARS ... ..
CURRENT LANDER IS ''XXXX '' XXXX XXXX..
|
| 06/29/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
Ascendium seems to have purchased my loans from XXXX. However, they have to been able to provide me with the promissory notes. I believe that the loan was already paid in full in 2014. I called and was transferred to XXXX XXXX XXXX. I have asked them to show me an invoice reflecting the amount they say I still owe, and the payments that have also been made previously. I have not heard back from them. This negatively affects my credit and I am trying to fix it.
|
| 05/29/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
My student loan was paid off XX/XX/2019 to an agreed amount negotiated between my lawyer and XXXX XXXX XXXX, XXXX and a letter of satisfaction was sent to me and my lawyer on XX/XX/2019. However, Ascendium is still attempting to collect for the same debt. After repeated attempts by my lawyer, Ascendium has not provided us with the requested documentation and has even stopped replying to our letters and emails. They also have filed to intercept my tax return.
|
| 02/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
On my credit report at XXXX XXXX and XXXX appear an account by " Ascendium Education " with two different opening dates ( XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX XXXX ). The reporting company " Ascendium Education " had never contacted my via mail, I have no knowledge of any account opened by me with this company. this report is negatively affecting my credit history and my ability to be approved in any credit request. please help me.! thank you.
|
| 03/09/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Company calls me 5-10 times a day on my work phone although Ive made it clear that its a work phone and not my personal. They have also called my boyfriends parents repeatedly after I and they have asked them to stop. Today they have called me twice XX/XX/20 at XXXX and at XXXX where they lie and say they are trying to verify employment ( but dont say for who ) and they need me to call back. She rarely says this is an attempt to collect a debt.
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is my second attempt to get this alleged debt removed from the consumer reporting bureaus. I requested verification on the alleged debt and was not sent a valid contract with my wet signed ink signature on it and also stating I have an alleged debt with Ascendium Ed XXXX. My legal requests were failed to be met and they are in clear violation of the FDCPA. This alleged debt needs to be removed from my consumer reporting immediately.
|
| 06/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX, the consumer sent an Affidavit of Truth to Ascendium Ed Solutions on XX/XX/2021, to validate an alleged obligation. I have no knowledge of it and never received notice. Ascendium Ed Solutions never acknowledged nor responded to me. I need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE.
|
| 09/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was looking over my credit report and noticed that there was inaccurate information and need it to be removed due to debt paid full. Listed below are the accounts that are showing inaccurate and paid in full.
Accounts : ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX ASCENDIUM EDUCATION # XXXX
|
| 01/16/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
On XX/XX/2018 I paid off my loan to the collection agency XXXX XXXX XXXX for the servicer XXXX, but I can't get any information on the status of my student loan. XXXX 's Log In is disabled on their site, I can't view my SAR on FAFSA, my loan status is outdated at NSLDS. It only shows an old balance and old interest and all the loans in default. I can't find any updated status on my student loan.
|
| 08/12/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ASCENDIUM WHICH IS KNOWN TO BE A DEBT COLLECTOR COMMITTED XXXX BY TRYING TO PACK ON MORE CHARGES ON TO MY XXXX LOAN THAN WHAT THEY PAID. THEY ARE MISLEADING AND DECEPTIVE AND COMMITTED FRAUD. They stated they paid {$1700.00} when they did not pay that much.
Please see attachments with the three exhibits. I reported Ascendium to my Attorney General XXXX XXXX to be investigated.
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX Date Opened Balance {$8700.00} Did you even legally verify this account? Isnt the date of the last activity supposed to be the same in each bureau? I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation? How is it possible for the balance to be higher than the high credit/high balance?
|
| 02/03/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX entered into a consumer credit transaction with Ascendium Education Solutions ( Group ). A consumer transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.
|
| 08/26/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Based on the statue of limitations. XXXX aka AES aka XXXX is showing up as a negative impact on my credit report. Ive hired credit repair attorney XXXX XXXX and I would like this student loan removed from my credit. Its renewing itself and the date is showing up as unknown. Please contact me at XXXX or XXXX XXXX needs to be removed too. Thanks so much.
|
| 12/21/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I have been declared completely XXXX and have been cleared to have my student loans discharged. Ascendium Education Group garnished over 1,300 $ from my XXXX while i was in the process of getting this done. They refunded XXXX $ of the money they took but are refusing to refund the rest of my funds. I have contacted them several times to no avail.
|
| 04/28/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
Ascendium garnished my tax refund, which has since been banned by the federal government. They sent me a check for {$790.00} but that only covers the Maryland State taxes. I have tried calling but due to covid-19, I can not get in touch with anyone. They also garnished an additional {$2600.00} that should be mailed to me, from my Federal taxes.
|
| 02/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/2018 this collection account was paid by XXXX XXXX has still been reporting as an open collection account on my XXXX report. I would like to know why this account is still reporting open when it is closed on my other two reports. Please investigate this matter I have tried several times reaching out to XXXX XXXX with no response.
|
| 04/20/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
Keep getting phone calls from the following numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Callers state they are contacting about student loan services and each time I have asked the name of the company they represent but won't give me any further info. I have asked to be removed from their call list ( s ).
|
| 11/09/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
During 2018, I was paying {$150.00} a month to XXXX ( previously XXXX XXXX ). Did not receive a student loan interest credit for that tax year. After looking at my payments and invoices, 100 % of my payments were going to collection fees! They reported me as making {$0.00} towards my interest. I'm confused as to how that is possible?
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I don't have an account with this company ASCENDIUM EDUCATION. My loans have been settled from XXXX and the only loan I have is a private with another l lender.
This company ASCENDIUM EDUCATION has never been in contact with me via mail or phone. I've disputed several times and the credit agencies are not investing properly.
|
| 08/11/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account was placed for collections incorrectly. I have attached proof that this loan is in good standing with XXXX. I have also spoke with a XXXX rep, who made it clear to me that this debt is current and in good standing. Ascendium has threatened to garnish my wages and has harassed me over a debt that is incorrect.
|
| 02/24/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was applying for a home and when they pulled my credit Ascendium ED Solutions-XXXX is showing my account as being a paid collection. THIS IS ABSOLUTELY WRONG. I have always paid my loan on time. They servicing had changed hands several times and I made sure I kept track of the loan and payments. I was never late.
|
| 06/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
After reviewing XXXX credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.
|
| 10/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
My student loan debt is being illegally re-aged by the company that bought the debt, ascendium education solutions. They bought the debt in XX/XX/XXXX and are illegally re- aging the DOFD. My consumer disclosure file under FCRA 609 ( a ) ( 1 ) is pending but I was last able to pay my loans in XX/XX/XXXX.
|
| 01/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am so frustrated with all three credit bureau, I been writing since 7 month ago been asking for them to dispute all this unknown item on my credit report nothing I been ask for prove from all three credit bureau no prove was sent I wrote all the collection company nothing was done I am in need of help
|
| 08/03/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have received these fraudulent Credit collections on my XXXX Credit Bureau Report from ASCEDIUM EDUCATION/NAVIENT/USA FUNDS. I have sent a letter to the company and XXXX dispute stating that I want them removed. I have never taken out a Student Loan and I want these collections removed!
|
| 07/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have student loans with XXXX XXXX, which are in default. XXXX XXXX was either sold or changed its name to Ascendium. Ascendium is now reporting my loans like the default just happened all over again. This is unethical and dishonest. My default is old, not something that just happened.
|
| 11/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
us dept of education and ASCENDIUM EDUCATION is still showing my account as past due/collections/late payments even though all student loans have been deferred due to covid-19.I have disputed these items many times but they still won't correct it and it's really hurting my credit.
|
| 04/28/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
On XX/XX/2020, I spoke with XXXX about the wage garnishment refunds owed to me since the signing of the CARES Act. XXXX was unable to provide any information about when the other refund checks would be sent or why they have not yet been sent.
|
| 05/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX will not remove after many attempts my credit show i own the over 30k which i dont and it shows duplicate amount, i can prove this the XXXX AND XXXX, MY CREDIT IS RUINED I CAN NOT GET ANY LOANS CARS OR HOUSE, IN A BAD SITUATION
|
| 09/16/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
My student loans where included in my XXXX XXXX bankruptcy in XX/XX/XXXX and were discharged in XXXX of XXXX but i am still being contacted to pay. i have made one payment but i should not be paying if these are discharged.
|
| 06/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
ASCENDIUMEDUCATION keeps a re-aged account insisting that an account was opened in 2016. I was not in school at this time and they keep verifying account with credit reporting agencies. XXXX does not exist for this time.
|
| 01/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
|
| 08/18/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
4 Remaining Negative Accounts.
Account Name : USA FUNDS Account Number : XXXX Account Name : USA FUNDS Account Number : XXXX Account Name : USA FUNDS Account Number : XXXX Account Name : XXXX Account Number : XXXX
|
| 06/19/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
I co signed for a student loan, now I have 5 different loan agencies reporting 5 different loan amounts.
Original loan was {$8.00} now it's {$94.00} How is this possible??
|
| 03/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 09/23/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
FAIL TO PROVIDE HOW THEY VERIFIED DISPUTES WITHOUT PHYSICAL PROOF OF WET SIGNATURES.
|
| 04/16/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
just simply no response I've tried on several occasions
|
| 11/03/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 03/21/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Referral |
|
|
|
| 02/22/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Student loan
- Private student loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/08/2022 |
Yes |
- Student loan
- Federal student loan servicing
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 12/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Referral |
|
|
|
| 11/27/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 11/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/18/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Referral |
|
|
|
| 02/22/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 02/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 02/04/2021 |
No |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 02/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
|
|
|
| 01/29/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/30/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/19/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/13/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/07/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/05/2020 |
No |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Fax |
|
|
|
| 08/26/2020 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Referral |
Older American |
|
|
| 08/25/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Referral |
|
|
|
| 08/23/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/08/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 07/02/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 07/01/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/01/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 06/04/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 05/01/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/21/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/10/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 04/09/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/08/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/21/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 02/20/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 02/15/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/12/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/12/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Postal mail |
Older American |
|
|
| 12/12/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Phone |
|
|
|
| 12/05/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/01/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 11/01/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 10/29/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/17/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
|
| 10/17/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 10/08/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 09/27/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
|
|
|
| 09/16/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 09/12/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Phone |
|
|
|
| 09/06/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Postal mail |
|
|
|
| 09/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/27/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 08/12/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 07/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/22/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Phone |
|
|
|
| 07/11/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Postal mail |
|
|
|
| 07/09/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/03/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Referral |
|
|
|
| 07/03/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Referral |
|
|
|
| 06/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/20/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Referral |
Older American |
|
|
| 06/13/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/04/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 05/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/20/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 05/16/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 05/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/27/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/20/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 04/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/18/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/10/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/06/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 03/05/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
|
| 02/14/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/31/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/21/2019 |
Yes |
- Student loan
- Private student loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/18/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/07/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 01/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|