Bass & Associates, P.C., Attorneys at Law CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/08/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 10550	Web	Older American
UNFAIR FTC COLLECTION VIOLATION REF # XXXX BASS & ASSOCIATES P.C., illegally seized my XXXX tax refund, after I made a dispute in XX/XX/XXXX. I disputed that I owed a Student Loan, from XXXX College, NY. I paid this debt in full between the dates of XXXX - XXXX ( approximate ). I confirmed with the XXXX XXXX XXXX XXXX, that this debt was no longer owed. It was paid by confiscating all tax refunds through the period of XXXX - XXXX ( approximate dates ). Once I received a refund from the Federal Government, I call the Student Loan Department, and was told that I no longer owe this debt. Now, I receive a letter, almost 28 years later, from Bass & Associates P.C., stating that I still owe this debt. It became very confusing, thus, I faxed a letter to Bass & Associates P.C., disputing this claim. I never heard another word back from Bass & Associates P.C., either to confirm that I did not owe this student loan, or that there had been some type of mistake made. On XX/XX/XXXX, I discovered that Bass & Associates P.C. illegally seized by XXXX Tax Refund. No notices, judgment, nor factual and historical financial data was given. How can an collection agency confiscate my tax refund, without providing me with proof of this debt? Bass & Associates P.C., provided me nothing! No notices, no proof of owing this debt, absolutely nothing was provided to me, supporting that I did owe this debt. Bass & Associates just took my XXXX tax refund. If I had owed this debt, why didn't they do their research into this matter, then make contact with me on their updated information? I would have then asked for an installment plan, due to the facts that I'm no longer employed, and am living off Social Security Retirement Benefits. I have very little income to spare. There were no notifications at all, coming from Bass & Associates P.C., in response to my letter faxed over on XX/XX/XXXX, disputing their claim of debt owed for a student loan. UNFAIR PRACTICES according to FTC, and ILLEGAL CONFISCATING OF MY XXXX TAX REFUND. I DEMAND TO BE REFUNDED IMMEDIATELY. Once finished with Bass & Associates research to find this discrepancy in my payments for this student loan is over, and there is a difference that I owe, then I will set up an installment plan for ONLY THE PRINCIPAL OWED, NOT INTEREST, NOR COLLECTION FEES. I say this because, it was not my error in how I re-paid the student loan owed to XXXX College. Somewhere, there was a mistake made, and not by my fault. I will only pay any differences based upon the principal balance only. I DEMAND JUSTICE FOR WHAT BASS & ASSOCIATES DID, ILLEGALLY CONFISCATING MY XXXX TAX REFUND, WITHOUT RESPONDING TO MY DISPUTE MADE ON XX/XX/XXXX.. Consumer 's Desired Resolution : Refund the illegal confiscation of my tax refund for XXXX, in the amount of $ XXXX.Do your research in responding to my dispute letter dated, XX/XX/XXXX, then get back to me with an installment plan, if indeed I owe this debt. I'm sure that I don't owe this debt, which was confirmed by the XXXX XXXX XXXX XXXX, several years ago, I was told that I was paid in full this debt.I also refuse to pay any interest, or collection fees, based on the fact that I was just notified in XX/XX/XXXX, that this student loan debt was purchased by your collection agency, and to collect this debt. It is not my error. The error lies somewhere over the rainbow!
07/27/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	OK 73064	Web	Servicemember
In XX/XX/XXXX, after finding out my student loans had went into default, I contact Bass & Associates, the collection agency that my loans were sent to. They offered me a 9-month rehabilitation program in order to get out of default. I was told that I could have 9 payments auto-withdrawn from my account each month, upon completion of the rehab program, the loans would be sent in good standing to a loan servicer once being returned to Dept of Ed. I agreed to this, they had me log onto their website and electronically sign a rehab agreement form. From XX/XX/XXXX-XX/XX/XXXX, I paid every payment on-time. I then waited for correspondence from either Bass and Associates, Dept of Ed, or a new company on the next steps. XX/XX/XXXX I was shocked to discover my taxes were offset. I thought my loans were out of default? I attempted to contact B & A multiple times and could never reach anyone in their office. In the beginning of XX/XX/XXXX, I realized I could log onto the Dept of Ed website and check on my loans. At this time, it gave me an option to make a payment so I did. I contacted Dept of Ed to ask about the default status. They explained that they NEVER RECEIVED THE REHAB AGREEMENT!! from Bass & Associates and suggested I call to get that from them. I was told by the Default Resolution Group representative that day that IF they send that over, they will remove the default. So I continued my attempts to contact Bass & Associates. I called EVERY SINGLE DAY! Finally after 6 weeks, I was able to contact another department that obeyed my request for a call back. They told me that they sent my loans back to Dept of Ed and to contact Default Resolution Group AGAIN. They also explained they wouldnt be able to see if my Rehab agreement form was sent because they didnt have my records. I contacted Default Res Group, they told me they STILL didnt have the Rehab form. So they advised me to write a letter and send whatever proof of payment I had to the Default Res Group for them to review within 21 business days. TODAY I called to find out that they will NOT lift my default because a ) they did not receive the rehab agreement form b ) I didnt continue paying after the 9 months was completed. I am a veteran, I just resigned from my job to finish the last 7 classes to obtain my degree. I am tentatively enrolled in classes to start in two weeks in which I will use my GI Bill however, I can not enroll in a Default status, regardless if Im not using loans. I was just told that you can only attempt the rehab program once, since I didnt follow through, I will have to pay my loans in full before coming out of default. I owe $ XXXX. This is 100 % mishandling on Bass & Associates fault, also Default Resolution for deceiving me through this process. I made payments to B & A for months that never made it to Dept of Ed, meanwhile, had Dept of Ed known I was in a rehab program, received payments, had the loans returned, ALL as promised, then I would have been notified of completion, notified of new servicer, and would not have had a tax offset. Most importantly, I would not be worried about the pending financial hardship I will soon endure, and worried I will never be able to finish my degree and advance in my career.
08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48124	Web
Let me first begin to tell that the loans were already written off and then reapplied in XXXX of this year. XXXX was closed because of Fraudulent activity by the United States Government for over charging there students as a student we had the opportunity to have that erased and that is what i did. This had already been erased and the way i found out that it was reistablished was that i went for a car loan recently and found out that my student debts were reapplied. So that you are aware i wrote the United States Supreme Court not just in regards to these loans but because of dealings with a debt collector who was hired to not only collects debts from me following an accident that i am the victim of but i am also the witness who can provide information that will prove that the death of a co worker was not an accident and could of been prevented. The debt collector in question here is XXXX and XXXX XXXX, they not only broke the Right To Fair Debt Practice but also violated my financial privacy and continues to do so for 5 years. The XXXX 's have also broken several communication laws including computer and cell phone fraud and this has been reported to police however since i have information as a witness to that accident XXXX XXXX Police and other local law enforcement agencies and First responders have instead harassed me. An officer failed in doing his job as did the company and it's employees and previous managers and i have knowledge of the cover up. XXXX XXXX was negligently XXXX because of money and greed. I am the person who attempted to save his life and took the driver home that night who did not possess a license to drive a truck. I am being told that because the DOT is involved as well that i am being extorted. Bass collection agency took {$230.00} out of my monthly check without contact. XXXX XXXX was given a note from my doctor which they asked for. I needed to notify them within a week of my signing up for classes which i did to let them know that i would not be attending that semester due to symptoms of XXXX. This is not about collecting a debt this is about oppression and trying to keep covering up a crime that needs to be brought to light. A former supervisor XXXX XXXX is still harassing me because i know for a Fact that due to his budget restraints that the building was not up to code and if it had been XXXX would have not lost his life. I was on the safety committee. The city attorney for XXXX XXXX is failing in doing his job and it is my goal to see this through. XXXX XXXX put a device inside my XXXX vehicle that had military software and it violated my 4th amendment rights and because they got busted with this ( i took a photo of it ) i am a constantly harassed by faceless XXXX. I am providing you a copy of the documentation given to the United States Supreme Court and the evidence that i have of what a cloned device looks like and how can catch the XXXX ( The XXXX and member of XXXX XXXX School District ).
11/21/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	AL 35209	Web
My loan was originally provided through a company named XXXX ( XXXX XXXX XXXX XXXX ). I approximately began getting garnished back in 2018, at that time I received a letter from a separate company than whom is now receiving the funds. There was a period of time when I was being garnished at a different rate and it stopped without notice and began back at a different interest rate/amount bi-weekly seemed to be based off of my Gross Amount earned. I have been contacted by the company Bass & Associates who has not provided me with any information concerning the Loan, and will not share terms of the loan, including a current balance owed. At the time I reached out to XXXX the Representative insisted that I set-up an account unknowingly of the terms or circumstances that I would be subjecting myself into, after already knowing I have paid approximately {$7000.00}. At some point in conversation I was told that I had a 0 % interest rate with a balance of {$5000.00} with no proof of statement or explanation of terms. The Customer Service included no empathy for the simple fact of speaking to an individual about what is supposed to be my information yet, I have no insight on what I am being demanded to engage in and agree to, also my income is being decreased significantly and it is out of my control. I am not saying and putting up an argument that it is not due, my argument is that I have been paying into this loan and actually have no idea where the funds are being paid to and with no information, a balance or know the terms. According to my Credit Report this debt is showing as Closed and over a course of the years the interest rate continue to increase. I am requesting help in Customer Service and equal opportunity from this company of knowing my obligations to be able to not let this affect me in ways of financial and health related stress. I look forward to getting this process reviewed and initiated with an update of the progress.
12/28/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	NC 273XX	Web	Servicemember
On or about XX/XX/XXXX my identity was illegally used to apply for a Federal Student Aid Loan. I did not sign for or apply for any loan with XXXX Universities or any Federal Student Officer. XXXX Universities created and process a XXXX Student Aid Loan fraudulently using my identity without ever having me sign a single document. Once they received the loan from the Federal Government through the Department of Education, I was never told about it. Once I learned of this after a year later, I tried to resolve this identity theft loan issue with the College, however they knew they had been caught, so they blocked all access to this matter of course. The debt was disputed and once removed from my credit file, only to be replaced back on my credit file serveral years later through the Department of Education and and company called Bass and Associates. This loan is a " Well Known '' identity theft case, involving www.pin.ed.gov. a former Website that was identified as the conduit that identity thieves could very easily exploit. The Department of Education took action against this after receiving my certified letter to the Department of Education OIG on XX/XX/XXXX. On XX/XX/XXXX this website was shut down and a new process put in place called the FSA ID. Since I discovered this conduit, it's been a consistent battle to get this undisputed illegal debt obtained under false pretenses by XXXX Univesity with the US Department of Education fully removed from my Credit File. They are deliberately trying to maliciously attack my Credit Rating by placing this back against my Credit File and it is still affecting my credit to this day nearly 10 years later. This needs to be addressed and actions taken against those involved in this injustice. It is in direct violation of the FCRA and is a total fraud that was fabricated through a well known conduit for identity theft to occur through www.pin.ed.gov.
07/09/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	MD 20910	Web
My name is XXXX XXXX, since XX/XX/2019 i been in contact with Bass & Associates to try set up a payment plan to get in to Loan Rehabilitation program. Bass & Associates is a loan process for Department of Education. Since XX/XX/2019 i have being getting the run around to trying to complete the appropriate document, 1st i contact bass & associates XX/XX/XXXX, i was told to send pay stubs and student loan payment document, after submitting this documents Bass & Associates never contact me with my application update, 2nd i contact bass & associates XX/XX/XXXX to follow up regarding the document i submitted, i was my paper work is in process i will receive loan rehabilitation agreement in mail within 10 days 3rd i contact bass & associates XX/XX/XXXX to follow up regarding my status, again i was told everything is received i will receive rehabilitation agreement within 10 days 4th i contact bass & associates XX/XX/XXXX to follow up regarding my status, and again i was told all my document was received i will getting rehabilitation agreement within 10 days. 5th i contact Bass & Associates XX/XX/XXXX, i was told i am missing one document i should be re-submitting Loan Rehabilitation expense form ( which i did XX/XX/2019 ). All above contact was made by me via a phone the hold time to get bass associates on the phone is average 1-2hr. It have/has been extremely difficult to try to communicate and solve the problem with bass & associates and department education, my life have been put unhold, This has been trumades stress on my life, to the point i am seeking a medical help. The lack of communication from Bass & Associates and Department of Education and not providing a proper customer service has been ruining my life, Mentally, physically. i greatly appreciate your assistance in matter Thank You XXXX XXXX
12/13/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	AR 72401	Web
The complaint is against Bass & Associates a debt collection agency out of XXXX, AZ and XXXX, TX. They are fraudlent and misrepresenting legal debts fees, they harass their customers and go behind customers back and file wage garnishers and sending wage garnishments while their asking for documents, no hearing but they are taking money without giving the customer a chance to set up a payment plan I also disputed some loans and they are trying to garnish my wages, I provided proof of why I did not owe and they sent it behind my back and told me the garnishment would proceed and im going to say it my name is XXXX XXXX and I feel my consumer rights have been violated, im filing for harassment, dishonest business practices, misrepresenting the legal status of a debt, threatnening with lawsuit and wage garnishment, demanding a amount thats not supported by law or the original creditor amount, this is a FDCPA violation. I provided proof of the dispute and they still proceeded with the garnishment without a hearing at a rate of 15 %. These people almost left me homeless. I want this matter taken care of as soon as possible I tried to reach out to them, but it was a slap in the face. After I provided documents I was told it would be a additional 60 days for a hearing while they proceeded with the garnishment, I even faxed paperwork and was told it would be 24-48 hours before it would be looked at. The school closed and I told them that and I disputed the other loans because they were too much for a XXXX XXXX loans totaling {$60000.00} dollars when the original amount was only {$12000.00} for the program. I also explained to them that I have been a victim of identity theft as well and I sent documents they dont care about that.
12/01/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92562	Web
I, XXXX XXXX was contacted by letter from Bass & Associates. The letter was address to the Estate of XXXX XXXX. Now prior to this, I had been receiving treating phone call recordings from a debt collector on my cell phone but discarded as scams and blocked them each time from my cell or at times I did call back with no result. Now, once I received this letter I right away called this cooperation. I gave my name only and she confirmed with me that I was alive. I said yes, and wanted to confirm they were talking about me, due the fact that my mother and I have the same name. She stated this is a current debt and its with XXXX XXXX not XXXX XXXX ( my maiden name ). She started to ask me to confirm my social security and that I did not have to. I said, you should have this information. You sent me this letter. I asked her can you please tell me the debt so I confirm this is my debt or not. She said no ... But that she will forward the information to there client that I have not passed. And that they can continue with collection with this debt. That I will here from them. I feel as a consumer I have no where to go ... and no one to contact. I receive no collection notices, no bills, and yet this letter comes to my home, stressing my out, and now I have no idea what or who I owe money to. And this Bass & Associates will not tell either. How am I to solve this issue if no one will tell about it. Or contact me in a formal way.. these people are sending a letter of stating I am dead. How will this affect my credit, my future status, I am upset and stressed over this. Please Can you help me
03/08/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	NC 27107	Web
Recently my Federal tax refund was offset by the US Department of Education. I have reason to believe that the contracted collection agency Bass & Associates and the US Department of Education did not send me proper notification. I never received any collection notices informing me of the days past due or the default procedures. On XX/XX/2018, I was mailed a Debt Statement with a Request for Review, and Notice of Proposed Treasury Offset. I am certain that this was the only notice that I received from the US Department of Education. Which in my opinion, did not give me enough information to verify the status of my account considering my Chapter XXXX Repayment Plan. I responded by mail on XX/XX/2018 with a Request for Review ( provided by the US Department of Education ) and detailed documentation that I was currently under a Chapter XXXX Repayment Plan. I never received any other correspondence or calls from the US Department of Education or the contracted collection agency Bass & Associates. Recently, I created an account on the US Department of Education website and it the wrong phone number was on file but my mailing address and email address were on file. After filing my 2018 taxes, I recently learned that the US Department of Education offset all of my much needed tax refund to repay the debt. I am currently faced with major financial hardship after not receiving my tax refund. I have received multiple utility cutoff notices and cancellations of my insurances. It is my hope that my complaint is forwarded and reviewed as a hardship.
05/06/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	CA 90640	Web
Below please find a copy of an email recently sent to the lender. As you may understand, student loans can be barriers to many things as they have an extremely adverse effect on ones credit. I would like more than anything to pay the amount off or begin making payments - but I can not because this organization will not answer the telephone. I encourage anyone in your office to try to make contact with Bass & Associatee, PC via traditional means and you will see that it is impossible. Any assistance you can provide will be very much appreciated. -Thank you I have been forced to write this email as numerous attempts to contact your organization via telephone have been unsuccessful. As recently as a few moments ago, my constant calls to your office have been ignored. There has been no option to speak with a person or leave a message, the only option is to be placed on hold for up to an hour or longer. This is unacceptable. The loan on question has had a significant and large, extremely negative impact on my life including my ability to rent a place to live. I am trying very hard to rectify this loan via payments ( installments or lump sum ) but I keep hitting a dead end due to your willful reluctance to call me, a person who should be treated as a paying customer. I request to be provided with a working telephone number of someone I can contact regarding this issue. A copy of this email will be forwarded to the Ombudsperson and to any overseeing entities which regulate the loan servicing industry.
06/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 240XX	Web	Servicemember
Bass and Associates has failed to prove its client the US Department of Education case. On XX/XX/XXXX, I reported a " well known '' Conduit for Identity theft and Fraud to the OIG of the US Department of Education. This website was www.pin.ed.gov. This Website allowed essential anyone with anybodies SSN, Date of Birth, and address to obtain a PIN ( Personal Identification Number ) This website not only failed to authenticate or verify by 2 part authentication the person behind a keyboard and monitor. It further was identified by the US Department of Education as a " Well Known '' Conduit since XXXX, according to the redacted report sent to my Virginia XXXX District Congressman. After my Letter to the OIG, explaining that this very Website caused me to become victimized of identity theft and a XXXX Federal Student Loan created illegally and without my knowledge or any signature. It was shut down on XX/XX/XXXX. XXXX and XXXX has been advised numerous times regarding this matter. In fact they have failed to produce any validity to this collection harrassment. They will deny they are required by law to prove that you applied for and signed for and actually receive money, which I did NOT receive a XXXX of money from the Department of Education or anyone else. This is identity theft and Fraud and needs to be removed from my credit file. In fact the redacted report sent to Congress confirmed that over 874 million in fraudulent loans was created by this very website in XXXX, so I'm not the ONLY Victim here.
12/02/2019	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85340	Web
Disputing derogatory student loans with the Department of Education, I get a letter in the mail from '' Federal Student Aid ''. " Federal Student Aid '' Is not the Department Of Education, though they use DOE letterheads.I was told in the letter that no matter what, collection efforts will not stop because the same laws do not apply to " The Department '' .The letter also stated that my request to cease communications in writing had to be put into writing in order to be valid.The letter was rounded out by saying I owe a additional XXXX in '' Projected collection fees '' and to contact XXXX & XXXX.I sent a response containing yet another request ( 3rd ) to cease communications via certified mail.My wife got a phone call with a angry message from a woman saying I needed to call her about my student debt a few days later, then a written response saying they tried to call me because the letter I sent certified mail was empty.Its a huge burden to have student debt without the added stress of dealing with shady collectors.Anyone can see these letters all originated from the same source, and it isn't DOE, its a collection agency impersonation of DOE.They haven't provided the Original instrument of indebtness, A valid breakdown of their fees, What is owed and being reported to the CBs , and have on several occasions violated my consumer rights.I felt intimidated by these actions.
10/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92154	Web
On approximately XX/XX/XXXX, My wife took out a loan with XXXX XXXX XXXX XXXX to pay for a XXXX vacuum cleaner. First payment was paid on XX/XX/XXXX. After a few payments we wanted to pay off this high interest loan. So I took out a loan from my XXXX XXXX ( k ) to pay off this high interest loan. My wife XXXX XXXX XXXX XXXX to pay off the loan, via telephone. She made a payment of {$1500.00} to satisfy the loan. Then two years later on XX/XX/XXXX received a letter from XXXX XXXX. Stating that there was a remaining balance of {$61.00}. That was never paid and now there is a balance of {$560.00}, that includes late charges. I told financial services that I refuse to pay this amount. It doesnt make sense for me to take out a loan from my 401k to pay off balance of {$1500.00} and leave a remaining balance of {$61.00}. And if that was the case why did you take them two years to contact me about the remaining {$61.00}. They refused to work with me and only wanted to negotiate on a settlement and payment plan to pay for the {$560.00}. So now the have transferred my supposedly debt to Bass & Associates ... I contacted Bass & associates and explained my predicament. I offered to send them my paperwork I received from consumer financial. The best they could do was to lower amount lower amount by {$110.00} and offered me a payment plan ...
07/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	OH 456XX	Web
On XXXX XXXX, 2016, at around XXXX, an associate from Bass & associates called me at phone number XXXX. Upon answering the phone the the associate identified herself ( however I can not recall the name of the person ) as well as she was attempting to collect a debt for XXXX XXXX XXXX. She asked for my date of birth, which I gave her then preceded to harass me. She never told me the amount that I owed during the phone call. She for the most part hounded me asking how I make ends meet in my household. She stated that they have on file that I received child support, so I have a source of monthly income and they have every right to take it because it is a source of income, and we need to come up with a payment plan. I then informed the associate that I do not have a job, I have XXXX XXXX children and my only source of income was from the monthly XXXX that we receive from the government for the care of our children. The associate then told me that they would take the that from us to make payments. I then informed the associate that they are in direct violation of the FDCPA for implying that the would take funds from us and saying that they have every right to it. The associate then stated that they do n't care and they have every right to take away the XXXX from our kids since it is a source of income.
04/30/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	MI 48430	Web
Bass & Associates, P.C. ( Bass ), sent me a a settlement letter dated XX/XX/XXXX for my defaulted student loan account with the U.S. Department of Education, Federal Student Aid. On page 1, Bass stated, " This notice confirms our offer to accept {$4400.00} as full settlement and satisfaction of your obligation on this debt. '' Page 2 at the end of this Bass letter ( XX/XX/XXXX ) states, " Loans included in this agreement : Nos. XXXX, XXXX, XXXX, XXXX & XXXX. This comprises the five loans, not the two they portend was agreed. Again, it's on their letter, and thus, the understanding was the five loans as full settlement for the total of {$4400.00}. In addition to this letter, phone conversations took place between Bass & my grandmother, XXXX XXXX, affirming the agreement. A cashier 's check in the amount of {$4400.00} was received by USDOE prior to XX/XX/XXXX deadline. The five above-referenced FDSLs : XX/XX/XXXX-two with XXXX XXXX XXXX ; XXXX-three with XXXX XXXX XXXX and XXXX XXXX. Now, Bass is saying they meant to only include 2 of the five loans but the settlement agreement is stated in the XXXX XXXX, XXXX letter for 5 loans, and my grandparents and I adhered to the agreement. XXXX should be responsible for their actions in their arrangement with USDOE. Our agreement should be enforced.
09/05/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95827	Web	Older American
I'm just sick and very stress out to what has happen to me, I lost my Husband 5yrs. ago and I am a XXXX. old senior just trying to live and work and take care of my self, I have poor health. and trying to move into a low income senior apt XXXX Now am I find out The dept. of Ed. is Garnishing my pay, i can hardly pay my high rent and pay other bills. I keep ask what school is this, I didn't apply to any school, a couple of yrs ago I was inquiring about online, but back after 2 weeks, because grandson passed away he was XXXX. and they said it was find, I forgot the name of the school but they have all my information, I never got any thing from them, no books nothing, Now they are charging me over {$5000.00} for something I didn't do, And they said there would be no charge to me. I don't know what to do, someone got my information and use it and take food from and making me homeless, I sent every bill I owe, to the debit dept. and they said 30 days XXXX60days XXXX I can't wait that long, I really need someone's HELP PLEASE I have no one, I need this to stop NOW, I can't even help my grandchildrens
06/06/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	CA 90745	Web
I ATTENDED XXXX XXXX COLLEGE IN XXXX XXXX ON XX/XX/XXXX & TOOK OUT A {$11000.00} STUDENT LOAN. IT SHOULD HAVE BEEN FALLEN OFF BECAUSE THE STATUTE OFCOLLECTING IS 7 YEARS AND BASS & ASSOCIATES COLLECTION AGENCY HAS BEEN CALLING MY CELL AND PREVIOUS WORK PLACES TELLING THEM I HAVE FINANCIAL ISSUES WITH THEM. I FILED BANKRUPTCY BEFORE AND THIS STUDENT LOAN WAS INCLUDED IN THE FILING. AM A SINGLE MOM AND IN A TIGHT BUDGET. SINCE XX/XX/XXXX MY INCOME TAX REFUNDS HAVE BEEN OFFSET AND I NEEDED THOSE REFUNDS TO PAY FOR MY RENTAL APARTMENTS, BILLS, AND CHILRENS EXPENSES. BASS & ASSOCIATED # XXXX ) XXXX ADDRESS IS XX/XX/XXXXXXXX XXXX, AZ XXXX. NOW MY TOTAL OWED ACCELERATED TO {$59000.00} AS OF XX/XX/XXXX VERSES MY ORIGINAL LOAN OF {$11000.00}. MY INCOME TAX OFFSETS SINCE XXXX SHOULD HAVE BEEN MORE THAN ENOUGH TO PAY OFF MY STUDENT LOAN OWED. PLEASE HELP ME LIFT OFF MY IRS OFFSET OF MY REFUNDS AND I DEMAND THAT THOSE REFUNDS BE PAID TO ME SINCE XXXX. XXXX INCOME TAX FILING IS ON HOLD FOR FILING BY XXXX XXXX UNTIL THIS OFFSET IS LIFTED AND NO LONGER IN MY SOCIAL SECURITY COLLECTIONS. THANK YOU VERY MUCH
07/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43227	Web
I have a a unverified account from Bass & Assoc. I had previously disputed this account with XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Bass & Assoc Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Bass & Assoc Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
06/11/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	AZ 85086	Web
Dozens of Times to try and speak with a representative and can never get anyone to answer. Wait times on a consistent basis of twenty minutes or more. Left voicemails multiple times over the course of months and no return call. Trying to debt resolved to stop further interest accruing and to help clean up credit. Finally get a hold of someone about 7 weeks ago to setup payment program and was advised of payment program and to setup payment program. Waiting on paperwork to be received and contacted rep after 35 minutes on hold. Advised my letter was just completed as it has to be hand typed????? Its been almost 4 weeks since last call and I received mail today XX/XX/XXXX advising the company Bass and Associates has been trying to reach me in which they havent. ( we can pull phone records if needed. I feel I may not be the only one as the company has terrible reviews online with same issue. My personal opinion is that they are doing on purpose to keep tacking on interest rate.
03/03/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	OH 440XX	Web
I have tired to get my loans permanently discharged due to my XXXX XXXX which basically bars me from a career in my field. I had asked when I applied at the college if a career would be possible with the XXXX and was told yes. I have not been able to find gainful employment since.Over 10 years out of college. I have debt from XXXX XXXX University XXXX, The University of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been sued for loans I don't think I even own from XXXX XXXX in XXXX County. I just got a letter from Student Loan Deptartment from the US Department of Education stating I owe {$170000.00} with interest of {$48000.00} and fees of {$27000.00}. I had filed for a discharge years ago and have never received an answer to having XXXX for a loan discharge before I ever went to college. They have also taken the loans off my credit report and then relist them under new names for the same debt. They are getting ready to try this again.
11/05/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	MI 48239	Web
I tried to make a payment arrangement with Bass and Associates to try to resolve my account. I was denied the hearing because if two pieces of documentation. Now my wages are being garnished from two different student loan one is XXXX that is already garnishing 15 % of my wages now Bass and Associates would not make reasonable accommodations on repaying back the student loan. I asked them for options one option was to pay XXXX in 90 days to close the account. I asked them what are the other options they stated i would have to pay XXXX a month current make XXXX a hour with a wife with a XXXX that work part time and a XXXX year old child. I thought by getting and completing my degree that life would be easier but it just made it worse. I sent them all of my paper work that they requested which outline all my bills and submitted the information and was still denied.
04/23/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX XXXXX	Web
Bass & Associates, P.C. is refusing to provide the original promissory notes as requested by me along with the back side of the note. Ive sent them several letters which includes Notice of Rescission, Breach of Agreement, etc. They only send back a generic typed letter never giving me responses to my letters. According to the Federal Trade Commission its unlawful to furnish certain deceptive forms and Bass & Associates isnt following protocol by law. Ive included all of the letters Ive sent them thus far along with the latest response from them stating I cant get my original promissory notes which is against the law. There is no way for me to know the documents they send me are in fact original unless I can get an original promissory note. I rescind all contracts USC Article 1, Section 10, UCC 1-308
06/06/2017	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	SC 29445	Web
Spoke XXXX # XXXX, XXXX XXXX was consolidated XXXX XXXX 2004, and they are not going to stop reporting even the account is closed and the statue of reporting which I was previously advised is 10 years, This is hurting me really bad on my credit and I do not have a contract with Bass and Assoc since they are saying that 's who they sold my loans to, so the Bass and Assoc is adding monthly fees to make it look my loans are current when in fact they are 14yrs old. Can you please get XXXX to stop reporting a closed account? This is a violation from the statue of 10yrs and it 's looking like my loans are new when it 's from 2004. Can you please help me get them to stop reporting charges onto my closed acount? They do not need to delete just stop adding new balances PLEASE
02/15/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	MT 595XX	Web
I received a letter from Bass and Associates, P.C.Student Loan Department XXXX XXXX XXXX XXXX, AZ XXXX on XX/XX/2018.Immediately I send a validation letter requesting, 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Montana, on XX/XX/2018. Since then I have not seen the documents requested. I have received 2 more collection letters and they are still reporting t to all three credit bureaus. I need help. Please. Thank you.
03/08/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	FL 349XX	Web
I was placed on a payment arrangement by XXXX XXXX to get my loans out of default. Each month I was paying my payments. I was told I can pay 20 days before or after my initial date and it will still count as a payment marked as paid on my behalf. I then stared being told other things and my payments werent adding up. I spoke to a supervisor and even contacted the XXXX XXXX XXXX. I demanded proof of payment and my completion letter of the 9 payments I agreed to and never got it. Since then I have made several attempts to call and left voice messages and no one has returned my call.
03/01/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	PA 19124	Web
The Student loan Department keep sending different payment centers from different parts of the country after a loan that was paid. This time they sensed a law firm Bass & Associates Entity # XXXX Address XXXX XXXX XXXX XXXX ; Pa XXXX On XX/XX/2019 I sent a Cease and Desist letter to Bass & Associate 's with the same pay off letter that you have on the last complaint. I send letter by green card -XXXX.I received card back without signature because they are a Law firm they're response wasn't correct. They will try act like they didn't receive anything.
04/16/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 75150	Web	Servicemember
Filed Complaint Case-XXXX on XX/XX/XXXX with the Omsbudmen. Got an email from XXXX saying Bass & Associates mailed a response XX/XX/XXXX. I waited for it and it was never received. I emailed XXXX to request a copy on XX/XX/XXXX. Emails to Bass are not returned. Phone calls never connect after an hour of holding. They have my contact information and have never contacted me. Even if they did, I would not be able to get through to them. And this complaint was marked as resolved. It is not resolved. It has been 6 months.
04/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30040	Web
Recently I have received several calls on my XXXX device from Bass & Associate asking to speak to my XXXX mother. I communicated that I am her POA and can speak with them about this issue. They refuse to talk with me and I asked them how did they get this number. I communicated to both representatives that my mother is an XXXX XXXX living on a fixed income, social security, which is barely enough to pay her monthly expenses. They are attempting to harass her about a debt that she does not owe.
03/31/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	PA 19124	Web
I paid my student loan and the collection companies they send I showed proof that the loan was paid. I have two complaints with you. You said contact Department of Education so I call XXXX and put the complaint # XXXX and they keep telling me to contact Bass and Associates. I already contacted them with no reply. Please help me end this it's a big problem I don't want anybody trying to dock my pay or anything like that over something that is paid
12/11/2019	Yes	Debt collection Federal student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 79701	Web
On XX/XX/2019, I sent US Dept of Education/ Bass & Associates , P..C. a notice of breach of agreement. This company disregarded the letter and sent back a response of notice of intent to garnish. I specifically asked them to answer all 6 questions to no avail. This is a violation of the FCRA/FDCPA. I do not have a contract with this company and they havent produced the information that Ive asked for along with my wet ink signature.
06/10/2019	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	MI 49504	Web
I was unable to select my true issue in the options provided. My student loan has entered default in XX/XX/2019 I have tried to contact the collection agency to make payments FOR MONTHS I will wait on the line for HOURS and can not get through I have read several reviews on XXXX from other consumers stating the same issue I just want to reinstate a payment plan for rehabilitation of the loan! Please advise!
01/23/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	DC 20032	Web
I called Bass and Associates in XX/XX/XXXX and XX/XX/XXXX. The company claim to have my student loan debt which has been defaulted or for a overpayment. Currently my account is in good standing with XXXX XXXX. I am in my 2nd year of college and shouldn't be paying student debt until XX/XX/XXXX. I have been calling but no response from the debt collector.
06/12/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 19124	Web
The Department of Education and Bass and Associates because of poor communication skills damaged me by taking my tax return the debt is paid and I am not in default please follow the paperwork I haven't received a payment bill in months. On XX/XX/2019 they said still working on issue XX/XX/2019 they took my income tax return PLEASE FOLLOW PAPERWORK
06/19/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	NY 14223	Web
there is no way of doing any corresponding online with your account. You are help to speaking only to them. I DO NOT have the hours to spend on hold to change my CC #. I have been trying for 4 weeks now and have been on hold for a total of 12.5 hours!!!!!!!!!!!!! That is insane on this day and age.
06/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	LA 70809	Web	Older American
I continue receiving threating mail from a debit collector, Bass and Associates, XXXX XXXX XXXX XXXX, XXXX, Arizona, Phone # XXXX, on a bill they say I owe a company that they are representing, in the amount of {$1100.00}.
01/15/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 773XX	Web
On XX/XX/2020, I called and spoke to a representative of Bass & Associates, PC in order to validate the debt and any possible charge-offs against me. However, Bass & Associate, PC failed to validate any debt against me.
09/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 30067	Web
I have told them on XXXX other occasion to please stop calling my job. They have called again. They also will constantly call my cell number and not leave a message. I will sue next time I receive a call at my job.
09/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 30067	Web
I have told them on XXXX other occasion to please stop calling my job. They have called again. They also will constantly call my cell number and not leave a message. I will sue next time I receive a call at my job.
09/19/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	NY 10473	Web
I believe that XXXX XXXX XXXX is acting unlawfully please see attachments for more information
04/02/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Confusing or missing disclosures	NC 28412	Web
Yes I need help
08/17/2021	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA 92555	Phone

02/19/2021	Yes	Debt collection Private student loan debt	Communication tactics Called before 8am or after 9pm	OR 97405	Web

04/01/2020	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property		Referral

03/10/2020	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	OH 45377	Phone

03/02/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled		Referral

02/20/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	VA 24301	Web

01/30/2020	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	NC 27610	Postal mail	Older American

01/22/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 20744	Referral

01/17/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	AR 72753	Web	Servicemember

12/03/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	GA 30909	Phone	Older American

08/09/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30110	Phone

05/17/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WA 98273	Referral

05/06/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	AL 36867	Web

04/13/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	FL 34105	Web

04/11/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	LA 71105	Web

04/05/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed		Phone	Older American

03/18/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	WA 98122	Postal mail

02/22/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	IL 60106	Web

01/16/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property		Phone

01/07/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27344	Phone	Servicemember

10/02/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	IL 60429	Postal mail

08/22/2018	No	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours		Phone

07/04/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21230	Referral

05/16/2018	No	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	IL 60429	Referral

04/25/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07093	Postal mail

08/15/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled		Phone

07/18/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NY 11412	Web	Older American

11/09/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 60056	Web

01/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30067	Web

06/25/2014	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	NY 10708	Phone

05/01/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 90230	Web	Older American

09/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 24073	Web

07/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 49655	Referral