Delta Management Associates, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/14/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web	Servicemember
The CFPB Portal has listed a complaint as " open '' and " sent to the company '' for several months, and I have not received a response. A copy of the complaint and print screen of the complaint status are being included with this submission. Although I have filed complaints against Delta Management Associates , Inc. in the past, this is a NEW COMPLAINT. After filing in the past, Delta Management Associates , Inc. suspended the illegal garnishment on XXXX XXXX, 2016. However, two months later, they re-started. They sent a new Administrative Wage Garnishment order to my place of employment, and I was never notified of this action. Delta Management Associates , Inc. has been illegally garnishing my wages since XXXX XXXX, XXXX. They have spoken with my employer multiple times, misrepresented who they are collecting on behalf of ( XXXX XXXX ), and misrepresented what they are collecting ( a student loan ). Delta Management Associates , Inc. never provided debt verification or debt validation. I requested proof of the existence of a debt multiple times, and I did not receive any proof via the CFPB, BBB, or California Attorney General complaint processes. I have never received, or been sent, any mailings by Delta Management Associates , Inc . Since we have been in contact via mediated complaint processes, Delta Management Associates , Inc. could have easily attached the documents to the portals ( i.e. via the CFPB and BBB ). Delta Management Associates , Inc. also could have mailed documentation to the California Attorney General. Nothing has been provided. When presented with the FTC Identity Theft Affidavit, Delta Management Associates , Inc. did not cease its illegal collection practices. I am filing lawsuits in the State of California. I have consistently explained that I did not obtain student loans and do not have any debt. I have provided the ledger from XXXX that reveals that there are balances of {$0.00} for the debts that Delta Management Associates , Inc. claims it was contracted to recover. This was provided after engaging in the CFPB complaint process against XXXX for misrepresenting itself as XXXX XXXX. During the complaint process, XXXX provided a currently fillable Master Promissory Note form with fake information. XXXX XXXX is the XXXX employee who is responsible for providing this form. XXXX XXXX, from Delta Management Associates , Inc., is the party responsible for not providing written notification about the debt, threatening the illegal action of garnishing on behalf of the government, continuing to collect after being informed of Identity Theft and a legitimate dispute as to the existence of the debt, and engaging in knowingly false statements and misrepresentations about his attendance at the University XXXX XXXX with me. He has lectured me about " the difference between an imbecile, moron and retard, '' and indicated that I am not appropriately representing my college by failing to pay my debts. His tactics are deplorable, particularly since he has received definitive proof that I do not have any student loans. My employer never should have been contacted multiple times by Delta Management Associates , Inc. During the time of contact, Delta Management Associates , Inc. was violating a CEASE AND DESIST. I have included a copy of the ledger obtained from XXXX, which shows that there is no balance owed. Delta Management Associates , Inc. is not legally permitted to issue an Administrative Wage Garnishment. This needs to cease immediately, and I need the return of my illegally seized wages. Further XXXX and Delta Management Associates , Inc. need to cease in their illegal collusion and fraud. I have demonstrated that this Identity Theft did not happen years ago ; there is no proof of pre-existing loans. This Identity Theft is happening right now, and it is being perpetrated by XXXX XXXX of XXXX and XXXX XXXX of Delta Management Associates , Inc . Please hold them accountable.
01/24/2017	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	VA 22191	Web
I received a letter in the mail from XXXX dated XX/XX/XXXX in which it was stated that my student loan had gone into default status with a contact number to discuss payment options. I called and spoke with a woman named XXXX XXXX at XXXX ext. XXXX. I had a legal name change XX/XX/XXXX, so the conversation centered around 1. payment options and 2. how to get the account to reflect my new legal name since repeated attempts to have the my name updated in XXXX system were never done in the past, even after sending in docs reflecting it. Due to being unemployed since XX/XX/XXXX, I was told I could request to be placed on a payment plan to send at minimum $ XXXX/month to get my account current and that I could submit the official court docs proving that I indeed had a legal name change. I requested the information we discussed to be sent to me via mail. About one month later, I received the payment plan application where I confirmed my legal name, current address, employment information ( unemployed ), and salary/income information. Also, on this letter was an alternate contact email address ( XXXXXXXXXXXX ) in which I scanned the copy of this completed form and attached a copy of the official court documents reflecting my name change. I emailed this information to them on XX/XX/XXXX and requested in this email to be notified/receive confirmation of receipt of these items either in response to that same email or via mail. I never received anything in response. Fast forward to XX/XX/XXXX, where I received a call from a local ( XXXX ) number and upon listening to the voicemail that was left ( from a " XXXX XXXX '' ) was instructed to call XXXX ext. XXXX. No company or affiliation was stated in this message so I had no idea who he was, what organization he was with, or what he was calling about. They spoofed a local number and left a voicemail requesting a call back to a toll free number and appear to be located in Massachusetts. Due to being unemployed for so long, I no longer answer calls from unknown or toll free numbers unless explicitly agreed upon prior and only communicate with confirmed collection agencies that I have received written correspondence from in writing. Not to mention, they were STILL referring to me by a name I no longer use and are the ONLY collection agency doing so ( thus they are using outdated information ). Upon speaking to " XXXX '', he stated that it was an attempt to collect a debt. I asked who he was and who he was calling with because I was then instructed to confirm my name, date of birth, and social security number without any disclosure as to who I was being asked to provide this information to. Once he stated he was with " Delta Management Assoc. Inc '' I recalled that I had spoken to and emailed requested documents to them XX/XX/XXXX and never heard back in the requested format. He stated that they COULD NOT change my name in their system, thus I requested a supervisor. I was then transferred to " XXXX XXXX '' in which more circular convo occurred about updating my name. He later confirmed that I was approved for the payment plan, but they could not get ahold of me by phone and admitted " someone '' dropped the ball. He also stated that since they are a collection agency, they could not respond to me in writing, only phone. On XX/XX/XXXX, " XXXX '' called requesting even more docs ( ID, social security card, and a letter requesting the name change ) to update their end. I refuse to do this unless I receive something in writing for my records so I was transferred to " XXXX XXXX '' who said he needed permission from a manager to do this. They REFUSE to communicate in writing and only want to play phone tag so I will be contacting an attorney as I will no longer repeatedly send confidential info with their refusal to communicate anywhere other than over the phone.
06/02/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NJ 08360	Web
I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau, as I have already proven that XXXX XXXX is using another scam on a debt collection process that has already been beaten in federal court against XXXX . The student loans were all procured well before XXXX , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally XXXX XXXX were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named XXXX XXXX . A second debt collector XXXX XXXX XXXX just closed another illegal collection process on behalf of XXXX XXXX for attempting the same type of illegal collection procedures. A copy of that decision by XXXX XXXX XXXX is attached with an apology from said entity. I am 100 % accurate in my claim that the debts stated owed to XXXX XXXX are not in any fashion connected to any federal agency, that being the U. S. Department of Education. The funds were procured by private entities, sold on the secondary market as part of a securitization, and thus must be collected as private claims through state court actions. The timeline to sue for these funds has long expired. Now XXXX XXXX play a musical chair approach by seeing if another debt collector named Delta Management Associates , Inc., and they are trying to obtain an administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to schedules a hearing to make my defense on this frivolous claim. This is a violation of the stringent collection guidelines within the state of New Jersey. Delta Management Associates, Inc. is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as my 20+ year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period. I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed XXXX XXXX . This false administrative collection process is what got XXXX fired by the United States Department of Education as a sanctioned debt collector, and XXXX XXXX XXXX had no authority from any federal agency to collect on behalf of the taxpayers of the United States, nor does Delta Management Associates , Inc . I have attached a copy of a class-action lawsuit settled with Delta Management Associates , Inc. in a federal court in XXXX . Delta Management Associates , Inc. is not even legally bonded or licensed to do business in the state of New Jersey. I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY DELTA MANAGEMENT ASSOCIATES, INC. - DELTA MANAGEMENT ASSOCIATES, INC. IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES ACT 45:18-2 AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT. CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST DELTA MANAGEMENT ASSOCIATES , INC . ILLEGAL COLLECTION PRACTICES!!! DELTA MANAGEMENT ASSOCIATES, INC. MUST PURGE MY FILE PERMANENTLY!!! I WILL FILE A RESTRAINING ORDER AFTER ADVICE OF COUNSEL!!!
01/18/2017	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	VA 23462	Web	Servicemember
My name is XXXX XXXX of XXXX XXXX XXXX XXXX, Virginia. My phone is XXXX or XXXX. This all started when I received a letter in the mail from Delta Management XX/XX/XXXX stating that they were attempting to collect on my XXXX defaulted student loans. My loans had defaulted due to the fact that I had been in an accident with my XXXX causing me to be out of work because I was recovering from my injuries for several months. At the time, I was an XXXX. I was no longer able to work for myself, so I lost my XXXX. During this time, my wife divorced me because I was n't making enough money for her. I had to sell our home and move because she wanted the money and then I had child support payments for XXXX children as well. I had completely lost everything that I loved and I had very little money. I also lost my car. I had to file bankruptcy and try to get back on my feet. I do apologize that I allowed my loans to go into default, but I tried to reach out for help with no avail. When the letter came from Delta Management, I called and asked how I could get my XXXX loans out of default XX/XX/XXXX. The Delta Management rep told me that I had to agree to have my payments automatically deducted from my paycheck and that after 6 months of consistent payments they will take my XXXX loans out of default. So, I agreed and also I agreed to pay 4 payments each month instead of 1 payment in the hopes that I would decrease my balance owed quicker and show my willingness to pay. However, although I have been paying voluntarily, consistently 4 payments each month since XX/XX/XXXX, I have not had my loans taken out of default. I am a military veteran and I am currently in the process of purchasing a home for myself and my new wife, but the loan officer pulled my credit report and showed me that my XXXX student loans are still on my credit report in default status. I was made aware that I can not get a VA Loan unless my loans are out of default. I have paid what I agreed to with Delta Management and am still paying, yet nothing on their end has changed. I feel that I was defrauded by Delta Management and lied to by them just to get my money. I also notice that they have been taking a large amount of each payment as interest and collection agency fees. This amounts to a lot of money as I pay them each week. Is this accurate? Is it legal for Delta Management to not take my loans out of default? I have called repeatedly since XX/XX/XXXX,XX/XX/XXXX and have been told the same thing. I have asked for a supervisor, sent written disputes through their website, sent emails through their website and also the Department of Education with no response from either. although, the website says they will respond within a few days. Also, every time I called the Department of Education Debt Resolution Dept, they told me that I had to talk too Delta Management. Please help me because I have been trying so hard to get this fixed that I am going to call and write my Senator, Governor, Congressman and President of the United States. I ca n't afford for my VA loan to be rejected. I promised my new wife that I would provide a home for us, but I ca n't do it without my Va Loan. This treatment that I received is wrong! I have been deceived! Please help! Thank you, XXXX XXXX
09/02/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	CA 95409	Web	Servicemember
I began receiving phone calls from a place that was calling itself " DM. '' They would not state what this acronym represented, and instead said, " Oh, you do n't know? I think you do. '' They would ask for my birthdate and social security number. Obviously, no sane individual gives their Birthdate and Social Security Number to someone who wo n't identify themselves and attempts to obtain personal information. I sent this organization a " Cease and Desist. '' They then contacted my workplace and spoke with the Administrative Assistant for my department. They attempted to obtain personal information about me from her. She provided me with their contact information. I called them again to state that they needed to stop. They said they would not talk to me unless I provided them with my Social Security Number and Date of Birth. Without receiving a single document from them, a " Notice Prior to Wage Withholding '' was sent to the Payroll division of my place of employment. The Payroll Officer provided me with this document. In response, on XXXX XXXX, 2016, I sent them a letter indicating that their actions are illegal. My place of employment said that they then received a notice to stop the wage garnishment. I thought that that was the end of this matter with Delta Management Associates , Inc . They have provided no debt validation, claiming that they can not do so unless I give them my Social Security Number and Date of Birth over the telephone. I have requested that they verify the existence of this debt, which is not listed on my credit, and which I did not enter into with any organization. I have absolutely {$0.00} in student loan debt, and I attended an online program, for which I was given a full scholarship. I maintained a XXXX GPA to keep that scholarship. I also have written documentation from the school indicating that I did not have any debts. Delta Management Associate 's claim that I owe more than {$50000.00} is absolutely ridiculous. The school was an in-state school with tuition of less than {$1600.00} for XXXX semesters. This student loan crisis is appalling and disgusting, and I do n't know why something is n't being done to stop this monumental fraud. Today, XXXX XXXX, 2016, I received another letter from the Payroll division of my place of employment. It is another " Notice of Wage Withholding '' from Delta Management. When I immediately called to determine what was happening, I received the same treatment. They state that they can not talk to me unless I provide them with my Date of Birth and Social Security Number. I called to ask them for their fax number, and in order to receive that information, they state that I must give them personally identifying information. The telephone call was recorded on both ends. I want this matter permanently resolved. Delta Management needs to correct all of its records and cease contacting my current and future places of employment. They also need to stop engaging in illegal Administrative Wage Garnishments, which is not an authority granted to them : a third-party debt collection agency. They are in violation of the FDCPA and my state 's ( California ) Rosenthal Act. I expect this matter to be resolved immediately.
10/01/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
After a long career in the XXXX government my daughter was seriously ill and had a XXXX illness I resigned from my job and went back to school. I graduated from the XXXX XXXX XXXX in XXXX with a XXXX degree in XXXX XXXX during that time I was also working for the XXXX XXXX program a math science and engineering program for underprivileged children in the XXXX public school system as a XXXX XXXX and XXXX XXXX. I also worked for XXXX XXXX Program which was an after school program for children in the XXXX XXXX Projects 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 Government 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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Delta Management Associates, 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 XX/XX/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.
02/12/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	MA 02324	Web
On XX/XX/XXXX my employer received notice of a wage garnishment order. This was my first notice of this action and I believe improperly executed and has violated my rights. I have been paying XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX OH XXXX since XX/XX/XXXX. ( I provided a copy of my bank statement yesterday. I have a revised copy with the XX/XX/XXXX dates. The copy I sent yesterday only shows the XX/XX/XXXX payments. ) XXXX contacted me at that time and I provided financial information and the hardship I was in at that time. My son is an addict and as a direct result of his addiction, I was in extreme financial difficulty. At this time XXXX card had 2 judgments against me, one Im still paying, $ XXXX monthly and the other I was able to settle. Ultimately my son was Sectioned and with the help of family I started paying back the debt that resulted from this period. Although I moved during the period of making these payments to XXXX, they were made aware of the address change. I have attached a copy of the notice they sent dated XX/XX/XXXX stating they closed my account. This letter has my address and it notes my student loan. My home address was on record as well as my good faith effort to pay back an amount I could afford at the time. In XX/XX/XXXX, I changed employment. You were able to track me to my employer ; however, although my address was on file and noted with my student loan, no attempt was made to reach me at my home address. I had no opportunity to review my loan or negotiate any revised payments. Since I received notice of the garnishment, I was able to review my loan which has an outstanding principal balance of {$48000.00} and {$6500.00} interest balance. My current balance according to the information provider to my employer is {$65000.00}. My employer is complying with the order as required however I am requesting the order withdrawn and the opportunity to renegotiate the loan and payment. Above is the latter I sent to XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I sent all the requested paperwork for consideration with the loan rehabilitation program and requested a copy of my loan history and payment. I have not called them since my initial 2 phone conversations on XX/XX/XXXX and XX/XX/XXXX. I am not trying to get out of my loan but however would like the opportunity to review the information and negotiate a payment schedule. Garnishing my wages without this opportunity, I believe, is a violation of my rights. I provided them with the requested documentation as well as bank statements showing my good faith effort to pay and XXXX 's knowledge of my address. The garnishment, which will be effective in my pay received Friday XX/XX/XXXX is going to place me in a financial hardship. I am supporting my XXXX year old son who has XXXX XXXX. He earns {$20000.00} a year and I provide over half of his financial support. In addition I have only been at my place of employment since XX/XX/XXXX and this has placed me in a very embarrassing situation. Any assistance in getting a hold on the garnishment so that I may review and negotiate my loan payments would be greatly appreciated.
04/03/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	XXXXX	Web
Hello, I 've had a XXXX XXXX XXXX loan in default for a few years. I was never contacted about this specific loan ( all of my other loans are in good standing since they stayed in close contact with me ). I had successfully defered my other loans since I 've been abroad and unemployed, but somehow I never once heard about this XXXX loan until I applied for financial aid again to finish my last year of school and was rejected. So I contacted the collection agency that my loan was sent to : Delta Management Associates. I tried to set up a rehabilitation program but they only withdrew money from my account once. After around two months, I was asked for the same documents again without any explanation ( and I sent them without ever hearing from them again XXXX and then no more payments were ever taken from my account and they never contacted me again. I 've emailed the manager and XXXX employees there several time to ask what happened ( I have proof of these emails and it 's how they corresponded with me before because I am abroad ) and I have n't been able to get in touch with anyone there. I asked several times to send it back to the original lender so I could pay it off IN FULL without he collection agency 's very high interest rates ( I can afford to pay the loan but not the interest they tacked on ) or I asked for the loan rehabilitation to continue and asked why it stopped. In total, I 've sent about XXXX emails without zero response and I tried contacting default resolution at XXXX but was given different phone numbers and sent in circles. It seems no one is willing to help me. I have been trying to go back to school to finish my last year since XXXX 2014, but it 's impossible to get financial aid without this issue resolved. I 'm very desperate to complete school and I would like to go to grad school abroad. I ca n't get a hold of the collection agency Delta Management and they have not bothered to respond to me once. I 've asked XXXX for their advice and they said to lodge complaint and see if I can get the loan sent to the original lender or different agency to pay off immediately ( as long as I do n't have to pay high rates for agency 's fee since they are about an additional {$1000.00} ). They said it was also possible that the loan already went to another agency. So I tried to track it and was told to contact XXXX XXXX XXXX XXXX in XXXX as the XXXX XXXX. So I tried to look up their information to find out that they are permanently closed. Besides this, I was never once contacted about this loan for years until it was too late. I found other students that attended XXXX XXXX XXXX who had this same exact problem with this same exact loan ( zero contact and then defaulted ). So I am obviously very concerned about this and do n't know what my next step should be. I was thinking of getting a lawyer but I thought that could prove to be difficult as I am abroad and if it would really be worth it in the end. I 'm just looking for better solutions.
03/24/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	CA 91501	Web
XXXX, an administrative wage garnishment hearing company, was hired by Delta Management Associates ( XXXX, MA ), a student loan wage garnishment company, to rule on my wage garnishment appeal due to financial strain. My appeal application and financial documents were sent to Delta Management Associates, but they did not respond as to the status of my appeal. On XX/XX/2020, I spoke with a representative at Delta Management Associates who told me my written statement hearing would occur on XX/XX/2020. When I asked the representative why I had not received notification of the hearing, she was unable to provide an answer. On XX/XX/2020, I received a Notification of Written Administrative Hearing, dated XX/XX/2020, and postmarked XX/XX/2020, the day after I spoke with Delta Management Associates. The XXXX notice stated I had 10 business days to submit any documentation for the hearing and the documentation had to be received by XX/XX/2020, the very next day. On XX/XX/2020, I left a voicemail for XXXX XXXX regarding me appeal. XXXX did not return my phone call, but instead XXXX XXXX returned my call. I spoke with XXXX XXXX of XXXX and asked why the notice dated XX/XX/2020, was not sent until XX/XX/2020. XXXX was unable to provide an answer and said she would have the hearing officer contact me. I asked XXXX why I was only given 1 business day to send my documents, but she was unable to answer and said she would have the hearing officer contact me. I asked her what documents had Delta Management Associates forwarded to XXXX for the hearing, XXXX was unable to provide an answer and said she would have the hearing officer contact me. I asked XXXX if the Notification of Written Administrative Hearing had been back-dated, since it was postmarked the day after I spoke with Delta Management Associates. She was not able to provide an answer and would have the hearing officer contact me. Furthermore, when I asked why my mailing address was incorrect, XXXX accused Delta Management Associates of providing the incorrect mailing address. Today is XX/XX/2020, and the hearing officer has yet to contact me. In addition, I have not received a ruling on my appeal from either XXXX or Delta Management Associates. XXXX XX/XX/XXXX : Delta Management Assoc says appeal hearing scheduled for XX/XX/XXXX XX/XX/XXXX : XXXX sends Notification of Written Administrative Hearing XX/XX/XXXX : Notification of Written Administrative Hearing received at my address XX/XX/XXXX : XXXX XXXX of XXXX is unable to provide any answers to my questions XX/XX/XXXX : Due date of appeal hearing documents XX/XX/XXXX : Appeal hearing date XX/XX/XXXX : I have yet to hear from XXXX or Delta Management Associates in regards to my appeal
08/12/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me after I asked not to	MD 20743	Web
This matter arises out of a dispute sent to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX, NH XXXX. ( See : Attachments ) XXXX XXXX failed to reply to my XXXX request and upon dispute transferred the debt to Delta Management Associates. ( See : CFPB Complaints # XXXX and # XXXX ) Upon the CFPB complaints Delta Management Associates then transferred the debt to XXXX XXXX who is attempting to collect the same debt that has yet to be validated by XXXX XXXX and/or Delta Management Associates. In response Delta Management Associates in complaint XXXX I specifically stated my opposition to Delta Management Associates that I did not authorization and/or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. I requested that any and all file ( s ), contract ( s ) and or information containing the name " XXXX XXXX '', address, email address, phone records, social security number, credit card information, phone number ( s ), etc. in any variation, spelling or derivative is to be DELETED from Delta Management Associates records. The company has dishonored my request. I also opposed to the disclosure, publicizing or revealing of any personal identifiable information to Delta Management Associates or any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which Delta Management Associates is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with Delta Management Associates. XXXX XXXX and the aforementioned companies have violated XXXX XXXX et seq. in attempts to collect a debt by using false, abusive, deceptive, or misleading representation or means in connection with the collection of a debt ; attempted to extort payment with false litigation threats, false garnishment threats, threatening to enter a judgment also in violation of Section 807 ( 5 ) of the FDCPA, XXXX ; XXXX XXXX are " debt collector ( s ) '' engaging in deceptive and abusive practices that violate the FDCPA. In XXXX, the " FDCPA was enacted as a broad remedial statute designed to 'eliminate abusive debt collection practices by debt collectors, to insure that those " debt collectors '' who refrain from using abusive debt collection practices are not competitively disadvantaged. ' '' ( See : XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX see XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX. XXXX ).
07/23/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	LA 70094	Web
I am Low Income and on XXXX. I telephoned Delta Management collection agency to inform them that I would like to rehabilitate my loan. First they tried to talk to me into a discharge. I explicitly informed them That was n't my best option and I knew my rights. this went on seemed like XXXX minutes and they finally agreed to send me paperwork for rehabilitation. So I gave that seven days for that to reach them by post mail. I called them and they chose to give me the run around again. I then had to call XXXX because somehow my account was suspended for XXXX days. they said I had to call XXXX. At which point I did and XXXX was even fruststrated. XXXX then told me I have the right to do whatever I would like to do in regards to my loan. XXXX then directed me to call the department of education inorder for the XXXX to contact delta management to get my rights addressed and my loan rehabilitated. Now the D.O.E just tells me that XXXX XXXX can take care of everything I need to rehabilitate the loan and that XXXX XXXX are the ones who have the right to choose not to honor the suspension and go ahead rehabilitate my loan. So I called XXXX XXXX and was hung up on mid conversation. I then got in touch with a supervisor haworth who told me I had to call XXXX or the department of education. called everyone twice and they all had me calling the other .wether it be XXXX, XXXX. or Delta Management. This went on for over an hour and still nothing is resolved. So I then get back on the phone with XXXX and they give me an address to D.O.E to write them a letter to get off a XXXX discharge program. in which I never wanted to be on. they say it 'll take XXXX days for that to go through. I just wanted to rehabilitate my loan. I spoke with XXXX XXXX at DELTA MANAGEMENT Associates XXXX XXXX is also with Delta Management Associates on my File. I spoke with XXXX XXXX at XXXX. debt colections division and she tells me just send me the agreed amount of rehab payment. with no rehabilitation aggreement .And it is my understanding XXXX. can not accept any monies unless it 's full amount of loan once it is in possesion of collection agency. I Informed XXXX XXXX that i was contactiong CFPB and she says to me well let me write a little note about advising me that I can hust sent the rehab payment amount to them YOU DO NOT HAVE A DESCRIPTION OF MY ISSUE. But falls under Communication Tactics. Dis regard frequent or repeated calls to me by them. But I am the one who made repeated calls to them
05/20/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't temporarily postpone payments	IL 618XX	Web
Delta Management Associations called and I agreed to pay {$5.00} a month back to be in a program called " Financial Disclosure For reasonable Affordable Rehabilitation Payments ''. I filled the paperwork out and included my pension pay stub, then they begin calling daily sometimes more than once a day. Next I had to refill out the paperwork a second time & re mail it back. Now they are saying they do n't have my pension pay stub and I ca n't be in the program. I 've made XXXX payments already before they started telling me I could n't be in the program unless I faxed them another copy of my pension pay stub. I explained I live on {$650.00} a month and ask them to dismiss it due to financial hardship. I also explained to them a couple of schools ( XXXX Online charged for classes I withdrew from and kept the loan instead of returning it ) ( another school has closed but also kept the loan money after I withdrew ). Delta Management is harassing me non stop and saying I ca n't be in the program unless I re mail my pension pay stub at once which I explained I ca n't until the first because I live on a fixed income and do n't have the money to go to town and fax them another copy. They are also demanding access to my bank account which I refuse to give them access. My income is limited only {$650.00} a month, I pay $ XXXX month insurance out of that. I feel if they get access to my bank they will withdraw all my money. When I ask to speak to someone in charge I was placed on hold for almost an hour so I hung the phone up. Delta Management is causing a lot of stress as now I 'm on XXXX XXXX meds because of them calling and demanding access to my bank account and telling me I 'm not in the program. They call after XXXX sometimes at night, block their number where you ca n't see that 's its them calling. I also never received the paperwork from them after agreeing to the {$5.00} a month for the program when they promised they would mail it right out. I was suppose to receive the paperwork showing the agreement. I do not like being lied to, them demanding to re send a pension pay stub, re mail in forms again, demanding access to my bank account. I feel since they are harassing me contributing to health issues and the fact I 'm in a hardship financially they should dismiss the money owed. They keep adding interest to the loan. I have not received any paperwork showing where I 've made XXXX payments. I 've ask for a forbearance also.
08/15/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	GA 30088	Web
On XX/XX/XXXX I was told by Delta Management that my loan would be taken up by another party and congrats I would be able to return back to school soon after not hearing anything from anyone I returned call to Delta Management and spoke with a young lady whom stated to return call at later time as it was n't showing whom my new loan server was and sometimes it takes so time, ok did and still no answer or reasoning so In turn called XXXX and asked them to help that 's when they stated I only made 6 payments and loan was in default not information I was given and why would I pay 6 payments and not three more so then I asked for all calls to be pulled as this is incorrect this was on XX/XX/XXXX this was reported, I still have n't heard anything from XXXX as agent assured me I would so I called back at XXXX XXXX to speak with XXXX on the escalation team whom stated to me they had request out to Delta Management and Delta never responded and they had 7-10 business days to do so, ( which was a lie ), as I spoke with XXXX from escalating team at XXXX and he stated that had reached and it was under review ( why lie to student ) I in turn called Delta and they stated they had, Delta also informed we that they could not provide me with date they do n't it out even though it affects me that was XXXX XXXX loan rehabilitation ManagerXX/XX/XXXX I had spoken with previously about his associate misinformation on XX/XX/XXXX which he totally ignored on date listed all he responded with was that my information was no longer in his office XXXX and Delta provides students with wrongful information and students in turns pay for it again I was really excited about going back to school why would I get to six payments and stop paying all of which were always auto deducted from my account so I would never miss one. Be very careful and write down everything being told to you by whom and what time. Delta Management is responsible for miscommunication as agent didnt did n't know what they were talking about and now after paying 6 payments XXXX wo n't me to start all over again when calling to pay 7 was told they no longer had any information for me in there office and did n't know why shaking my head awful. Delta Management and XXXX wants to keep students in debt longer watch it and then for XXXX to lie stating that they never received information from Delta is crazy.
03/27/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	CA 91501	Web
XXXX has committed fraud and falsified legal documents relating to student loan wage garnishment. A garnishment appeal was submitted to the deb collector Delta Management Associates who contracted with XXXX to make a judgement regarding my appeal. XXXX is unable to do simple math and/or they failed to look at my pay stub for the correct information. Either way, XXXX has has committed gross incompetence, placing a financial burden on the debtor. The pay stub clearly shows a wage garnishment of {$320.00} per pay period. However, XXXX states in their appeal ruling that the wage garnishment is {$160.00} ; therefore, the incorrect number was used to calculate disposable income, which was used to deny my appeal. In addition, XXXX lies about sending the Notification of Written Administrative Hearing to my correct address in a timely manner. A copy of the Notification of Written Administrative Hearing show an incorrect address, which XXXX representative XXXX XXXX accused Delta Management Associates of providing XXXX the incorrect address. Furthermore, XXXX is motivated to rule in favor of Delta Management Associates in order to maintain selection by the debt collector and continue their revenue flow. The wage garnishment of XXXX is {$2.00} per pay period based on my income and expenses yet XXXX fails to implement the same standard in calculating the garnishment amount based on my financial situation. Furthermore, XXXX did not take into consideration my extenuating circumstances regarding my father 's death ( a certified Death Certificate was included with the appeal ) and my brother 's SSI XXXX. I request XXXX to reduce the wage garnishment in accordance with the law to match the same wage garnishment as XXXX retroactive to XX/XX/2019, and order repayment of {$3500.00} to me from Delta Management Associates. In addition, I request the California AG investigate XXXX for predatory business practices and kickbacks from Delta Management Associates for ruling in favor of the debt collectors while using incorrect dollar amounts in their calculations.
04/13/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 91501	Web
The responses by Delta Management Associates to complaints filed on the CFPB website do not match the responses given by XXXX XXXX ( XXXX XXXX ) during a recorded phone conversation made by both parties on XX/XX/2020. Ms XXXX said the XX/XX/2020, garnishment would be refunded per the CARES Act. This information differs from the statement made by Delta Management to my CFPB complaints XXXX, XXXX, and XXXX. Delta Management has previously stated in response to my complaints that the wage garnishment on XX/XX/2020, would not be refunded. However, Ms XXXX stated during our phone call that the information provided by Delta in the complaint was incorrect. Ms XXXX stated the wage garnishment on XX/XX/2020, would be refunded. Which answer is correct? The answer provided by Ms XXXX or the XXXX who responds to the complaints? Delta Management claims to have sent a letter to my employer on XX/XX/2020, but my employer has not yet received the letter as of XX/XX/2020. Delta Management is unable to provide proof of delivery. Delta faxed and emailed the letter only after a complaint was filed. Furthermore, in regards to my garnishment appeal via XXXX, Ms XXXX stated that my garnishment should have been reduced to {$5.00} per pay period, since XXXX had found my financial situation qualified for the lower monthly garnishment. Ms XXXX comment confirms my previous complaint that XXXX and Delta do not take financial status into consideration and only use the maximum 15 % allowed under the law. In addition, Delta Management did not inform me that I had to contact them to request the wage garnishment freeze nor did they make mention of this in previous complain responses. This differs from information provided by Ms XXXX. Information provided by Delta Management in their complaint responses is not congruent with the information provided by Ms XXXX.
06/25/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	MA 02144	Web
- Debt collection agency called my work office, which I have not shared with any of my loan institutions. Coworker took the message, and they would not disclose who they were or for what reason they were calling. - Call began by asking for my date of birth and full Social Security number without specifying : a ) who the caller was ; b ) what they wanted ; or c ) why they needed this information. - Refused to speak with me without the aforementioned identification information. - Representative informed me that I was being contacted by a debt collector, Delta Management Associates , Inc., and that they worked for the US Department of Education. - Representative stated that my federal student loans had defaulted, cited an amount I believe to be greater than the amount I had taken out. - Asked if I could pay the loans back in the full amount today ( nearly {$42000.00} ). Asked if paying {$35000.00} was more amiable. - Offered to sign me up for a " rehabilitation '' payment plan, in which I would pay somewhere between {$5.00} and {$240.00} per month for 9 months, after which I would be reassessed for a different amount by a different debt collection company. - Asked for address information, salary, monthly expenses, family members, and information about assets, two weeks of signed pay stubs or a signed XXXX for the current calendar year. - I had consolidated my loans in the past and am currently paid up. Informed the representative 's supervisor that I would need to confer with my cosigner to ensure that the claims they made were true. Supervisor informed me that these loans are not " cosignable, '' so the point would be moot. She then told me that if I did n't respond then there would be " certain involuntary actions '' taken ( eg. wage garnishment ) and asked that I respond within the next 24 hours.
02/06/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70810	Web
Over the past month I, along my family members, neighbors, coworkers, distant acquaintances, and people I have no relation with have received phone calls that begin at roughly XXXX XXXX and last well into the XXXX XXXX hour from XXXX XXXX XXXX, regarding either a " very important educational matter '' or " a very important business matter that we working one for her ''. When these other people are called and let them know they have no contact information for me, the representative on the phone ( sometimes a woman named XXXX, sometimes a woman named XXXX, or a man ( not sure of the name ) will become very verbally abusive. For example a colleague that I only know in passing received a call on her cellphone. When she indicated she knew my name but had not personal contact information on me XXXX told her that she was clearly lying and could face legal action. When I have returned their phone calls I am immediately asked to verify my entire social security number, which I will not give over the phone. I have asked that this company sent me whatever their business is with me in writing and I, along with my attorney, would address whatever they need then, but I have received nothing. I have asked repeatedly to stop calling me because I will not give anything in writing but it continues. As I typing this a social media friend who I have not been in contact ( outside of social media ) in more than 10 years sent me a message stating that this company just contacted her and when she told them that she had not been in contact with me for many years, she was asked to try to locate me and call them back with a contact number. She asked them how they got her number and was told she was a reference ( which she is not ).
12/03/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hi Delta Management XXXX / XXXX XXXX How are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
10/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98264	Web
Several weeks ago a debt collector name Delta Management Associates Inc. phone XXXX located XXXX XXXX XXXX XXXX XXXX XXXX, MA. or XXXX. XXXX XXXX XXXX, Ma XXXX called me regarding a debt for a XXXX XXXX. I informed them that is not me and to not call again. week of XX/XX/XXXX the company called me again on the same number. On XX/XX/XXXX I received another call on the same XXXX number. This time I spoke with the manager who said his name was XXXX XXXX and he said they would remove me from their call list. However 10 minutes later they called again on a cell phone of mine. I then specifically asked them to remove all phone numbers that have my name listed on it from the area code in which I live. This they refused to do. Although they are referencing my name with the number they wanted me to give them my phone numbers. I told them you are only calling me because my name of XXXX XXXX is associated with this number and because you have associated my name with XXXX XXXX you are calling me. So easily you can find the numbers associated with my name and remove them from your list. They still insisted they won't do this. I believe this is abusive especially since the debt they are calling about is not even the person they are calling. They said they would remove the called numbers from the list yet would not send me a confirmation in email or writing and said only two numbers would be removed. Again I believe it is their job to know who they are calling and is not right to keep calling the same person again who doesn't belong to the debt.
05/27/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33311	Web
Delta Management, is tr ying to collect for XXXX XXXX . The accounts are extremely obsolete and should have been deleted from my credit report at this time. The company has fraudulently re-aged the accounts . Delta Management s ent me numerous letters by mail at one t ime and continuously contacted me when I asked them repetitively to stop all forms of contact. They have contacted my mother which I do not know how they obtained her phone number and they continuously contacted her after being told not to conta ct her.Then, th ey contacted her XXXX organization, contacting the Bishop of their XXXX in which I never had any affiliation with, asking if I worked for the XXXX XXXX XXXX XXXX . and several other questions. I do not know how they obtained this man 's phone number, to question and harass him. Then when he saw my mother in front of their congregation, he informed of this call and asking her why this company is contacting him. I have never worked or had any affiliation with this XXXX . Then they had the audacity to send me a demand letter for notice to prior wage garnishment, Then in the prior to wage garnishment, they had the audacity to threaten me and say if I did not sign and return, they would again contact the organization The XXXX XXXX XXXX XXXX that I have never worked for or had any affiliation. I have nothing to do with this organization. This was extremely humiliating, stressful and harassing for my mother and myself and the XXXX Bishop was extremely upset for the contact.
10/13/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	MD 20743	Web
I found many inconsistencies in the alleged amount owed & the interest accrued with respect to this account. I was forced to send a XXXX request to XXXX XXXX which was received by its agents or representatives XXXX in XXXX, NH at XXXX. XXXX XXXX failed to reply and through acquiescence agreed to all terms and conditions in the attached Affidavit of Fact, Verification/Proof of Claim Document. XXXX XXXX transferred the alleged debt to Delta Management Associates who are now claiming an alleged debt subject to the provisions of the FDCPA in regards to the attempted collection of an alleged debt owed. XXXX See : XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX. New York, XX/XX/XXXX, and XXXX v. XXXX, XXXX. XXXX. XXXX, XXXX XXXX. Illinois, XXXX. XXXX, XX/XX/XXXX I have not applied for, neither received any services or credit with either party. I also have no account and/or contract with XXXX XXXX or Delta Management Associates, nor do I wish to contract. Neither party has a bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX s ) and or Representative XXXX s ) are frivolous. Neither party has provided ( 1 ) authenticating proof from the Secured Party Creditor that they are authorized to collect the alleged debt on their behalf ; ( 2 ) nor is either party in possession of the security granting them the rights to interest in the collateral per Article XXXX of the XXXX. XXXX XXXX a ) ( XXXX ) [ XXXX ] ; ( XXXX ) in addition XXXX parties are making multiple enforcement claims on the same note.
03/03/2021	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
In XXXX I received a collection letter stating I owed XXXX from Delta Management Associates , Inc . I sent them a letter disputing the loan, specifically asking for copies of all original written agreements and a breakdown of all collection amounts. They never responded at any time in XXXX, XXXX, or XXXX. I believe they are to respond with in 45 days? At the end of XX/XX/XXXX, I received another collection letter from them. Only this time it is obviously the same loan, broken now into ... two different loans. With two different account numbers. At first, I ripped them in half, but then it occurred to me what they were doing. I did not dispute them this time because I believe it is the same loan. I believe because I disputed the first letter, and they never responded to it as requested, they just deceitfully broke it down now into two different loans, with different account numbers so they can continue to try to collect it. Figuring I wouldn't bother to dispute it again a second time. Which I didn't. Since I didn't dispute the new " set '' of loans, now they can assume it as a " valid debt '' and continue to try to collect it. I believe this is certainly a deceptive practice. Number one, because it just is. I mean how many times will they not provide proof, and keep splitting the loan, or changing the account number? Number two, because they don't have proof of the original loans this is what they do? I believe it is a fraudulent method to bypass having to provide me with proof.
08/01/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	VA 245XX	Web	Older American, Servicemember
I originally borrowed approx {$8500.00} through a loan process ( they report it was closer to {$10000.00} ) for my son about 10 years ago for his first year as a XXXX at XXXX.. Did n't have to pay back until he graduated. He dropped out instead. I paid for several years but after a series of misfortunes, moving out of state for a better job, going through a separation, losing my job ( company closed ) then losing my XXXX yo daughter, I let the loan lapse. It has been bought or sold or changed hands to other loan companies ( XXXX for one ) and now they say the loan is approx {$25000.00}. They made a deal with me last year if I would pay $ XXXX/mo for 9 mos we could get it out of default status. I agreed. But did n't agree with the total owed and indicated that on the form before I signed. They are now saying it did n't count because I wrote on the form. They want to try that again but I MUST agree to the amount they say is due. I know once I sign the agreement I WILL owe that amount ; I 'm afraid then it can be proven then that I do owe that amount and agree to it. I do n't want to do that. Now I 'm told their next step is to garnishee my wages. I am tired of this and want clear unbiased options and want to know what my rights are in regard to this- its been a nightmare and I need objective viewpoints and direction.
09/19/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	VA 22193	Web	Older American
Delta Management sent a letter to my employer asking the institute to deduct {$240.00} bi-weekly to service my defaulted student loan. I tried to negotiate the amount but the company refused to listen to me or work with me. I continued to pay until the federal government suspended all payments and collections in 2020 when COVID-19 break. Delta Management continued to convince my employer to deduct three payments and sent to them even when the Federal Government suspended all student loan payments and collection activities. I contacted Delta Management in XXXX and spoke to them almost every day to refund the money taken to me but they refunded one payment out of the three and promised to refund the rest in two weeks and that has not happened, I continue to call at least once a month all that I hear from the staff is " I am requesting a refund for you and it will take 2 weeks to get to you. '' I have not received the two refunds since XX/XX/2020. Please help me to get my refund since my request is informed by a legislative instrument. Any time I called in the past, they take my address and phone number which I willingly provide but they consistently said " we have a wrong address. '' but they have sent a check to me by address. Thank you for the support XXXX XXXX XXXX XXXX
02/10/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	WI 542XX	Web
Yesterday, XX/XX/2021, I filed a complaint against this company, Delta Management Associates , Inc. Today, XX/XX/2021, they called the XXXX of my school, his Administrative Assistant, and Human Resources to " verify employment for someone in the XXXX XXXX Office ''. The Human Resources staff member forwarded me the message left on the Superintendents phone and it was left by a XXXX XXXX, Reference # XXXX, and to return his call immediately at XXXX XXXX. '' While the message was being left, the Admin Assistant to the XXXX received another phone call from woman who wouldn't give her name and wanted to verify my active employment and asked for her to give out my SSN and date of birth. Instead, the HR staff refused and tried to get her name and phone number and then hung up. Immediately, my work day was interrupted with this harassment, embarrassment, and stressful situation. I have repeatedly informed Delta Management Associates, Inc that they have the wrong person and our SSN were mixed up, the person they want has a birthdate in XXXX and lives in Minnesota. The man and woman of Delta Management were exceptionally rude, not willing to listen, and said they would continue to call until they get the information to collect an outstanding student loan debt of over {$200000.00}.
02/10/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	WI 542XX	Web
On XX/XX/XXXX, I received a call at my work, from XXXX XXXX saying she had to speak with me right away. I tried calling her back on XX/XX/XXXX and spoke with a XXXX XXXX who wanted my date of birth and social security number yet refused to disclose who he was and why he was contacting me. On their recorded line, I told him I am not to be called at work, I dont know why they are calling and It sounded like a scam so I ended the call. XX/XX/XXXX XXXX XXXX calls me at work again and leaves a message. After work, I call her back to have a bantering conversation with her and she told me the last 4 digits on my social security number, by saying the first and third number were the same, I said yes and she then identified herself as a debt collector for Ascension student loans for my non payment of over {$200000.00} in student loan debt. I told her this was a case from XXXX of identity theft and the first part of my SSN is NOT matching their records, the other persons birthday is in XXXX and the debt is not line and to never contact me again. She said she can contact me. I told her I dealt with this claim with the CFPB and she started getting nervous. She is with Delta Management Associates, Incorporated. XXXX XXXX
09/25/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	HI 967XX	Web
In XX/XX/XXXX I received a letter from Delta Management threatening to proceed with wage garnishment. I was asked to submit documents regarding my dispute. I sent this document immediately back to them, although they purposely sent it to me days before the deadline. I never received anything in writing regarding the outcome of my dispute. In XX/XX/XXXX I received another let from Delta Management regarding the debt. The information that they sent to me by them regarding this debt is dated in the years XXXX, XXXX, XXXX, and XXXX. I believe that this loan was brought several times by different debt collection agencies over the years and after reviewing these documents, I know they are fraudulent. There is no school signature on the documents. They also claimed I made a payment on the debt in XXXX ; I lived out of the country and never paid anything towards the debt. My income tax return has been taken from me year after year and I have not been able to get this off of my credit. I have tried several times over the years to have this removed with no luck. I will be seeking an attorney if this is not resolved after this attempt.
05/15/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	NH 030XX	Web	Servicemember
The company involved is Delta Management Associates Inc., located in XXXX MA. I have received several harassing calls and letters from them over the past several months. Last Friday, XX/XX/19 they called the receptionist at my place of employment. The call was forwarded to me, where I informed them not to call my work number, and that I am not allowed to take personal calls at work. I explicitly told them not to contact my employer, or to contact me while at work. This afternoon, XX/XX/19, one of my HR representatives informed me that, directly defying my request, they had sent a fax to my HR department, requesting private information about me, including my social security number, dates of employment, my employer 's federal tax ID, payroll address and information, and my hours/status at this job. My HR representative was extremely uncomfortable, and asked me to tell Delta again to not contact us. I would like to send a cease & desist letter, given the sheer amount of calls, and contacts to me, my friends, family, and employer, but I do not want to risk a lawsuit. I do not want to deal with Delta Management any longer.
08/23/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	WI 53590	Web
Week of XX/XX/XXXX, a call was made to a debt collection company. I received notification in the mail about the debt and the notice said that they are willing to offer a settlement. We received the settlement offer with a due date of XX/XX/2018. We agreed and asked for the settlement offer in writing or in an email. They refuse to put the settlement offer in writing. They call every other day asking for payment - even though our settlement agreement had a due date of XX/XX/2018. We have asked repeatedly for a settlement letter for our records and they repeated say they can not do that. Without proof of the settlement offer they agreed to, it is their word against ours for the settlement amount. And now they are calling every other day, as recently as XX/XX/2018, asking for immediate payment. When we mention the settlement offer and the due date, they say they don't know what we are talking about. Then after we push the settlement issue a little more, they suddenly find the settlement agreement. But this is exactly why we wish to have the offer in writing. As soon as we get the offer in writing, we will make payment.
09/15/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	PA 19111	Web
The collector garnished my wages without notice. After multiple requests for an appeal by phone and email, I received my money back. I emailed the ombudsman and the management company requesting the rehabilitation verbally offered to me but never sent in writing. I requested only mail contact and stated my intention to repay. The company will not respond and I have almost been back to work for a year after unemployment ( the reason the garnishment was not legal and to which the company acknowledged fault by mailing me a check ). I have provided my address and since day 1 they refuse to put any option in writing or let me have a written copy of the rehabilitation to review. I want to pay this off but I fear after aggressively pursuing and winning over the illegal garnishment that they intentionally are refusing to respond so my year expires and they can pursue garnishment again. The other issue with telephone communication was mu request to speak to a supervisor and her denial their website nor the law protects individuals for 12months after returning to work after an involuntary end employment.
12/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60607	Web
1. Delta Management began calling me at my work number, demanding I provide PII ( personal identifying information ). I repeatedly refused, as they would not provide their purpose or authorization to possess such information. Later I went to their website, and seeing they are a debt collector, I feared I must have been a victim of identity theft or mistaken identity. 2. Delta Management faxed my employer, demanding they confirm salary information for a XXXX XXXX. 3. Delta continued calling me at my work number. I avoided their calls, but read up on how to handle debt collectors. My credit report is clean, which implied I was n't the victim of identity theft. I froze my credit. I am certain I have no delinquent debt ( all reported debt on my credit statement is as expected ). 3. Finally, I called back the number they left and recorded our call. They said they would not continue to call me. 4. A month later, Delta sent my employer a letter demanding they garnish my wages. This time they reveal the SSN and address of the debtor. The SSN and address are not and never were mine.
09/24/2019	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	NY 11221	Web
XX/XX/2019 Called my employer XX/XX/2019 Called my employer XX/XX/2019 Called my mother Delta Management repeatedly call and harrass my family and employer asking about me, if I work there, how to contact me. They do not identify themselves by the company they work for they will just identify themselves by the name of the person servicing the call. Currently my wages are already being garnished by a student debt collector and now another one is after me? When will this stop? I have almost no money left to live on and they give almost no information. I didn't even take my loans out from this company, it's a servicer and they keep calling and asking my employer about me. I'm really worried that i am going to lose my job because of this. These debt collectors for my student loans are ruining my life. My loans have been in and out of default for years, I can't even crack the principal of the loan if I tried. I know I know they've sent paperwork to my employer but I'm not sure what to do about it ... I'm so scared that they are going to take EVEN MORE MONEY from me.
07/19/2018	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	MO 63146	Web
On XX/XX/2018, a garnishment was granted against me for the amount of 15 %. I am paid weekly as a XXXX for XXXX XXXX. The garnishment has been in effect and active since XXXX. The agency processing the garnishment is Delta Management. I received no prior notice of the garnishment. I understand that this is normal with federal student loan collections. Delta Management has now taken to calling the company I am assigned with, XXXX XXXX XXXX. It is a highly sensitive company that deals with consumer issues. To get calls regarding me is not a good look and puts my employment in jeopardy. For the past two weeks, a XXXX XXXX has been calling various departments asking questions about me. He left this number and extension, XXXX XXXX. Please advise as to what rights and options I have to make this stop. The garnishment is being paid there is no reason to contact my assignment. I work for XXXXXXXX XXXX and not XXXX. The lien is for {$200000.00}. If you get me fired, then I don't understand it is expected for me to pay off this debt.
10/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 136XX	Web	Servicemember
Delta Management Associates attempted to collect a debt in XX/XX/XXXX for XXXX University, which I do not owe. They did not inform me I had the right to dispute, did not include ANY of the necessary and lawful warnings. Luckily, I knew my rights under the FDCPA and disputed, pointing out that they had not only failed to disclose my rights to dispute but also included a collection notice on the front, which is disallowed. I disputed and informed them of this, saying they needed to cease collection or I would go after them for the two FDCPA violations. They THEN sent me another collection letter, over 30 days after initial communication, and included the necessary information, attempting to backtrack and make it look like they had done this all along. They need to cease collection, as they failed to inform me within 5 days of initial contact that I had the right to dispute. THey have also never validated it, and they included it was a collection attempt on the envelope, thus violating my rights under the FDCPA numerous times.
10/12/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	MA 010XX	Web
I XXXX XXXX am being pressured by a number of collection agencies that state they have a right to an administrative garnishment against my wages. Administrative garnishments can only be procured by the United States Government, period. My student loans are privately owned, and these private debt collectors are disguising themselves as collectors of federal debts that are private only. I have been harassed at my work and home with threatening phone calls, all in violation of my rights with the Fair Debt Collection Practices Act. I demand to know what entities own my student loan debts. I DEMAND A CEASE & DESIST ON ALL COMMUNICATIONS OUTSIDE OF WRITTEN CORRESPONDENCE!!! I DEMAND A COMPLETE FORENSICS REVIEW ON THE CHAIN OF OWNERSHIP OF MY STUDENT LOANS!!! I DEMAND A FULL REVIEW OF EXISTING STUDENT LOANS FOR A CONSIDERATION OF CONSOLIDATION!!! There must be a court order on any private debt, which would require a summons and complaint and an actual judgment. That is the actual protocol with my student loan situation.
04/07/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 91501	Web
Delta Management Associates is out of compliance with the CARES Act. In reference to XXXX, Delta Management Associates states, " Delta Managements Associates , Inc. ( Delta ) is in compliance with this Act as the garnishment payment in question had already been processed prior to this being put in place. This went into effect on XX/XX/2020 and the pay period for this check ends on XX/XX/2020. '' The CARES Act is clear about garnishment date. The pay period does not matter because garnishment did not occur on XX/XX/XXXX it occurred on XX/XX/XXXX, which is the effective date of the CARES Act. Furthermore, this answer from Delta Management Associate is different than their previous response. They are now changing their argument as they concede that XX/XX/XXXX is included in the CARES Act. Now Delta Management Associates attempts to argue the pay period date, which is not included in the CARES Act. This is yet another attempt by a predatory company breaking the law.
02/24/2016	Yes	Debt collection Federal student loan	Communication tactics Used obscene/profane/abusive language	NY 11209	Web
I made a phone call to Delta Management Associates to inquire about the status of a loan rehabilitation application. The call was placed on XXXX XXXX at XXXX. While I was trying to obtain information, the Delta representative I was speaking to, a male with a southern accent, muffled the phone and started making jokes and laughing with a colleague. Based on the flow of the conversation, it can be safely assumed that he was making fun of the issues brought up during my call which constitutes abusive behavior and language. Abusive language does not need to limit itself to obscene language - it can also apply to tactics made to mock, diminish or otherwise ridicule a consumer. I felt ridiculed and his behavior was highly inappropriate. I requested to speak to another customer service representative and was transferred over to XXXX XXXX, who handled herself in a more professional fashion. This representative 's behavior was unacceptable and needs to be addressed promptly.
08/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85226	Web
I received a call from a woman who claimed to be with Delta Management Associates. She was very rude and was unable to verify the debt. The agent was unable to provide me with any information, refused to mail me any information and refused to provide me with a mailing address for Delta Management Associates. The agent demanded i provide sensitive personal information like my full SSN even though she stated she already verified the account with the last 4 of my SSN. I got worried so i hung up and called the number back. I was connected with a male who stated he was able to verify my account. When i asked him about the debt i was informed it is from XXXX XXXX XXXX XXXX XXXX. I have never heard of XXXX XXXX XXXX XXXX XXXX, or of Delta Management Associates. i asked for documents to verify the debt and the individual told me they don't have the documents, they only have an amount and a name. I never signed up for any of this and it should be considered fraud
03/15/2023	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	VA 23462	Web
I have been in default for the better part of 10 years. I started a program to try to bring my loans current in the spring of XXXX, I paid into the program for 10 months as this was what I agreed to do. I had to sign a 'contract ' to do this. I was told at the end of the 10 months my loans would then be in good standing once again and out of default. This was supposed to happen in XXXX of XXXX. I just found out in XXXX of XXXX that this program no longer existed and I was out of luck and apparently the money I paid into this no longer counted towards this goal. I paid all that money to bring my loan out of default, then they tell me the program is shut down? I was not even notified that this happened, I had to find this out on my own. Delta Management took all that money from me and none of it went towards my goal of getting my defaulted student loans out of default, like the program was promised to me. So I am still in default with nothing to show for it.
07/11/2018	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	NY 14450	Web
I am the XXXX of a mid-sized XXXX XXXX in XXXX NY. On XX/XX/18 was notified by a co-worker that XXXX XXXX from XXXX XXXX XXXX needed me to call him about a collection and that it was very important that I call him back. I returned the call to Delta and was asked numerous personal questions - which I refused to answer for fear of identity theft - and was then told that it was important that I cooperate because the issue was time sensitive and that it was going to be adjudicated. I was finally placed with a supervisor, XXXX XXXX XXXX, who stated that this had to do with an educational loan. I graduated 25 years ago and we finally agreed that the debt was not mine. She stated my name was common - yet knowing that they felt comfortable calling my place of employment, causing personal embarrassment - rather than seeking to contact me via mail, or using my personal number. In looking at this agency, ( EIN XXXX ) they have a long history of abusive practices.
10/11/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	CO 802XX	Web
Delta Management Associates just contacted my employer to ask for an employment verification. I do not have any accounts with this company and have never received any written notice or phone calls to my personal phone number ( which I use to set up accounts ) regarding any debt owed. About a year and a half ago, Delta Management Associates called my office and connected to my desk number and asked me to give them my SSN so that they could access my account information. At that time I told them that I did not have an account with them and absolutely would not give them my SSN. I had not heard from them again until today my receptions said that they called asking to verify my employment and that she directed them to our online verification system. She said they sent her a fax that had my SSN on the paper, but she shredded it before telling me. I am concerned that they have somehow obtained my SSN are trying to find ways to get more of my personal information.
08/20/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
Delta Management went through the State of California and garnished my retirement with out any prior communication. They claimed I had signed a loan consolidation through them and I had not. When I ask for proof they would put me off and would not respond to my calls or e-mails. I tried to work with them and they appeared to want to work with me but when I started to comply with their request, they backed off, The process went like this : They were informed and requested for paper work to work with them on a payment plan. o I complied with every request made. o I saw on the internet where they were doing things that were not in compliance with the information that was on their website. I inquired about it. When I inquired, that is when they stop trying to act as if they were working out a plan with and for me. The XXXX said they are not working for them and they have had a lot of problems with honesty and integrity and they were not representing them.
04/26/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	FL 32092	Web
I had worked with XXXX and XXXX XXXX from Delta Management Associates who were handling collections on behalf of American Student Assistance regarding defaulted Federal Stafford Loans. I had provided a payment of {$7800.00} to be applied to loan XXXX which would be paid off in full. The XXXX remaining loans of XXXX, XXXX, XXXX would be entered into rehabilitation with a monthly payment of {$230.00}. The loan ending XXXX had an interest rate of 6.8 % while the other XXXX had interest rates of 2.32 %. Delta Management Associates misappropriated my payment across all XXXX loans instead of applying payment as agreed upon and paying XXXX completely off. I view this misappropriation as a deliberate action of the loan servicing company, Delta Management Associates, and believe that their practices should not be tolerated by the US Government or the CFPB and that their license to service Student Loans should be revoked.
08/08/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	CA 95409	Web	Servicemember
Delta Management Associates , Inc. sent fraudulent wage garnishment papers to my place of employment. They did not contact me first, did not provide me with a chance for a hearing, did not validate, nor verify the debt, and they are not a guaranty agency. As a third-party debt collector, they should not have sent garnishment papers, due to their lack of guaranty status. I tried to resolve the matter via CFPB complaints, a XXXX complaint, a complaint to the California Attorney General and through direct communication with Delta Management Associates , Inc . I was unsuccessful. I then went to Small Claims Court and obtained a judgment. I still have not been paid, and the garnishment has not been stopped. In other words, I was garnished again after the judgment. I have included the judgment and would appreciate the return of my funds and the cessation of a fraudulent garnishment. Thank you.
07/28/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	CA 94112	Web
Delta Management Associates began contacting 3rd parties in XXXX 2016, including friends and co-workers whose contact numbers even I do n't have in attempts to reach me. The people contacted were in absolutely no way used as references in any of my debts. Delta Management said they wanted to know my whereabouts out of concern for my physical well-being. I contacted them at that time to let them know they should only contact me, by calling me either on my personal or work phone numbers. I was informed on XXXX/XXXX/16 that Delta Management had begun this practice again. They are attempting to arrange monthly payment of my student loan that is currently in default despite submitting and already enforcing a wage garnishment. I informed them recently that I am unable to make an arrangement until XXXX 2016 but they 've continued to make these types of calls.
11/02/2017	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	CA 94585	Web
a company by the name of Delta Management Associate InXXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXXXXXX XXXX XXXX IL, XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in Illinois and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. XXXX XXXX XXXX XXXX XXXX XXXX
04/03/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 91501	Web
In reference to XXXX : The CARES Act states that XX/XX/2020, is included as one of the wage garnishment refund dates. My paycheck was not valid until XX/XX/2020, and the payroll company can not put the transfer on the accounting ledger until XX/XX/2020. The perpetrator 's comment : " As for the complainant 's XX/XX/2020 paycheck addressed in his complaint, that garnishment will not be refunded as the payroll company had already processed that prior to this Act being effective. Any payments processed after XX/XX/2020 by his payroll department will be refunded to him. The refund and suspension process are steps that take time and do not happen immediately. '' Delta Management Associates is out of compliance with the law as the CARES Act includes XX/XX/2020, as a payroll date in which wage garnishments are to be refunded.
04/24/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21207	Web
I keep getting phones from Delta Management , foreign man : who calls just about everyday, home number, cell number and work number. I ask him who he is representing, cause I do n't owe anything to Delta Management , but he refuse to say until I verify my personal information with him. I refuse to verify my information, cause once again ; I do n't know who he is representing. Also, I have had some of my social media ( facebook friends ) call me or text me to tell them that this man has been calling them to ask about me and my personal information. He would ask them where I work, where I live and do I have any other phones number to be contacted on. I do n't even see these people or talk to them on a regular basis and I felt bad that he has bothered them. So I did put a fraud report on facebook for this company.
08/22/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	MD 20716	Web	Servicemember
Today, while attempting to work on payment terms w ith Delta Management Associates regarding my apparently delinquent XXXX XXXX Student Loan acc ount, I simply requested to know the dates which my account would be automatically debited for the agreed upon amount. Delta was only willing to provide the dates via phone not in writing. Furthermore, Delta provided an agreement that listed a due date ; which is not the date we agreed for payments to be drafted from my account. Delta 's unwillingness to provide dates in writing about when they would take money from my account is highly suspicious to me and calls into question the professionalism of their operation. I already have serious doubts about many things Delta discussed with me, but their unwillingness to provide this information, highlights these concerns.
10/22/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	PA 19128	Web
My fed student loans were transfered to Delta Management Associates , Inc . back in 2016. I was informed that the only way that I could come out of default was to rehabilitate my loan by making 9 payments. At no time was I informed of the consolidation option. If I was given the consolidation option I would have consolidated my loans and had become eligible for Public Service Loan Forgiveness in 2016. As it stands now, due to not being informed of my consolidation option, I made 9 payments that will not count towards PSLF. Delta Management was deceptive and never gave me all the information I needed to make an informed decision. Of course, I have no doubt in my mind that they will not be held accountable for any of their deception as no one cares that most of us are trying to make ends meet.
08/26/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	CA 92117	Web
I am now getting another wage garnishment order from a different company than before and I am at my wits end. I work very hard and understand I need to repay my debts but I can not live like this. I am looking in debt consolidation but I feel so overwhelmed and I do n't know what 's a scam and what 's not anymore. It should n't be this difficult to fix your finances or save money. I do n't believe it 's fair that no matter how hard I try or work all my money is being taken out of my pay checks. My school was shut down by the government ( XXXX ) and I was n't able to finish yet i am still on the hook for thousands of dollars i ca n't pay back fast enough. When my school is not even around any longer & I was unable to graduate. This is not fair. Please help me.
02/09/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	NM XXXXX	Web
For over 5 years now : This company is BULLYING me, my family, my friends, and my inlaws with phone calls using threats and profanity trying to find me to collect student loans that I am currently paying off to another company ( XXXX ). XXXX XXXX is the person doing it. XXXX ext XXXX Tactics used : 1 ) Misinformation. 2 ) Bullying : harsh language, threats, profanity. 3 ) Giving my private information to others. 4 ) Harrassing non relevant people like my friends and in laws. 5 ) Harrassing my place of work asking for social security information, wages, and health issues. 6 ) Now they are threatening wage garninshment using a different company called XXXX, If I DID owe Delta money, why is XXXX being used for illegal wage garnishment? This is a scam.
11/01/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	VA 221XX	Web
Received improper calls from XXXX XXXX XXXX. Her call back is XXXX XXXX XXXX. Did not state who she was with, what the issue is except that I " was used as a reference '' which is bogus. Have noticed this number over a year on my caller ID list but never left messages until this week Research on line indicates this is Delta Management who is a debt collector. I have never received anything from them and i have no debts having just checked my XXXX free credit reports. Their reviews under this number projects a very negative image and questionable tactics and objectives. They have no business contacting me by phone which is listed on the Do not Call list. I suspect they are preditory, seeing if they can con you into paying on an old debt?
04/28/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 91501	Web
I spoke with XXXX at Delta Management Associates in regard to the refund checks owed to me due to the CARES Act. She was not able to provide any information about the refund checks in terms of when they would be printed, when they would be mailed or an estimated time of arrival. After several days and several phone calls, XXXX mentioned her supervisor XXXX XXXX was either not in the office or was leaving the office early everyday, so she was not able to get any information from him about the refund checks. XXXX and XXXX both refer calls to Delta Management Associates for questions in regard to refund checks yet Delta Management Associates has their head up their XXXX and is unable to provide any information.
12/11/2018	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	FL 33756	Web
Someone named XXXX XXXX ( XXXX? ) from Delta Management contacted the owner of the company I work for on XX/XX/18 at approximately XXXX asking to verify my employment for a personal financial matter. They were told to not call back any of the businesses, but they can send a letter requesting the information on official letterhead. At approximately XXXX on the same day, the co-owner of the company received a phone call on her cell phone from the same person, and was told the same thing. At XXXX the same day, this same person contacted one of our locations directly asking the same information again, even after now two times being told to not call any of the companies.
06/26/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DC 20003	Web
Basically, a company called " Delta Management '' had been calling me saying I owed money because I had a defaulted state loan from the XXXX XXXX XXXX XXXX. They said the debt was not paid on time, so they took the loan, they said they tagged extra money onto the loan, and I need to pay it. I asked if it was a scam, because they ask me my birthday, SSN, before they say anything, and it seemed very sketchy at first. But I have been paying XXXX $ /month for years now. I saw some people review online that the company was a scam, and I just wanted to make sure I haven't been scammed. Can you please help me with this issue? I am happy to provide my information later.
08/13/2022	No	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	NY 115XX	Web
They left a voicemail on my phone at XXXX on XX/XX/XXXX for my father. I no longer have any debts with any collectors. In this voicemail they said : we need the documents as soon as possible that we have sent out to you recently by mail for your student loans so we can see if you do qualify for the forgiveness program that was recently approved by the government call back if you have any questions or concerns at XXXX extension XXXX. I am not aware of any forgiveness programs. They have called and left me messages multiple times over the past few months and have tried other deceptive tactics ( like mumbling their name and objective for the call ).
05/02/2017	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	XXXXX	Web	Servicemember
A letter was illegally sent to my employer ( in XXXX they have a XXXX XXXX XXXX drop box ), illegally threatening to sue them if they did not garnish my wages ( non-court ordered ) under a non-existent Federal regulation ( 34 C.F.R. section 682.410 ( b ) ( 10 ) ( I ) ( F ) ). The collection company is Delta Management Associates , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MA XXXX ) ; phone number XXXX ; email - XXXX XXXX XXXX . In my attempts to call this company, I was placed on hold for an extended amount of time and considering that I live in a foreign country, to remain on hold was cost prohibitive.
10/05/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97267	Web
I have been called dozens of times for someone named XXXX over the last several years. I have explained repeatedly that I have never known this person and been assured our number would be removed. Recently associates of Delta Management Associatiates of Massachusetts and Arizona have been placing robo calls from various local numbers several times a day and leaving messages stating that a failure to return calls is an affirmation that XXXX is at this number. Today I talked to someone named XXXX XXXX@XXXX ext XXXX. Once again I was given assurances that my number would be removed. I cant believe it will at this point.
04/20/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11706	Web	Older American
Please be advised that XXXX XXXX ( XXXX ) of Delta Management Associates is constantly conducting harassing phone calls to my cell phone, my immediate family members and my distant relatives. XXXX and Delta Management even sent a text to my cell phone from a XXXX ( whom I do not know ) of XXXX indicating that she and I are longtime lost friends and XXXX just happened to call her in an attempt to make contact. I have respectfully requested that Delta Management Associates CEASE AND DESIST, the Harassing Calls, Immediately. Delta Management XXXX XXXX XXXX - XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Ma. XXXX
04/29/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 91501	Web
On XX/XX/2020, I spoke with XXXX and XXXX, of the XXXX Ombudsmen 's Office, in regards to delayed refunds pertaining to the CARES Act and student loan wage garnishments. They said XXXX can only process wage garnishment refunds once payment has been received from Delta Management Associates. Since Delta Management Associates has delayed wage garnishment payments to XXXX, refund checks issued by XXXX are consequently delayed, as well. XXXX contends Delta Management Associates ' late payments of wage garnishments to XXXX is the reason why wage garnishment refunds have been delayed.
12/31/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91730	Web	Servicemember
That account has been opened fraudulently without my knowledge. The company has not provided the original application/agreement with my signature like I have requested on XX/XX/2022 and XX/XX/2022. The billing statements that were sent have inaccurate information. Therefore, I have requested from the company a copy of the original application/agreement with my signature along with the company 's original purchase agreement. I have asked on two different occasions to send other information that does not include billing statements and I have not been provided that information.
07/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76092	Web
I have been receiving calls on my cell phone from Delta Management Associates. I have spoken to two different representatives. They are trying to collect a student loan for a XXXX XXXX College, which I never attended. I assume they are calling because I have the same name as the person who owes the debt. The first representative confirmed it was not my debt by my date of birth. The second wanted my social security number also, which I refused. They continue to call me almost daily. They call from what appears to be a local number, but the callback number is XXXX ext XXXX
01/29/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07008	Web
This company has been harassing by phone daily in all hours of day and night ( automated and live person ) for more than a month without reason or reference Therefore they are in violation of the FCRA I have no knowledge of ANY debt agreement with them. It is illegal to collect on an erroneous debt with them that I have no knowledge of I didn't have signed contract agreement with them. They did not send me a written notice of this alleged debt I have mailed them a cease and desist letter and asking them what original debt that I owe Delta Management.
08/17/2022	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 Their investigation did not fix an error on your report	NC 27545	Web
There are XXXX XXXX XXXX accounts showing on my report, when I reached out to XXXX XXXX to understand this, I received info back from XXXX XXXX XXXX. I pulled an updated credit report and found that the XXXX XXXX Accounts were not reporting as disputed as required by law.FCRA section 623 states that a Creditor must report an account as disputed to the XXXX Credit agencies. The FDCPA 807 ( b ) states that a debt collector must report an account as disputed when it receives the notice. The account has not notations of being disputed by the cinsumer
06/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	HI XXXXX	Web
This is not my account and is a result of identity theft. I have tried to resolve this unknown debt with the previous creditor - XXXX And sent 3 notice letters requesting the validity of this debt and never responded. They refuse to respond to my request in writing and " in writing '' is the only way i want to be contacted. They are fraudulently collecting a debt that is not mine/never authorized. And refuses to show proof of validity this debt is mine! I demand that all correspondence regarding this debt is sent to me in writing.
04/29/2017	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	TX 75007	Web
On XXXX XXXX , XXXX , I have started receiving BLOCKED CALLS at my JOB from Th e Delta Management company, a collection agency working on behalf of ASA. The lady left voice mails for me to contact them. I began receiving at leas t 3 calls per day. I do not answer blocked calls at work. This has caused a lot of mental anguish to me and my supervisor monitors my calls to where this may cause me problems with my employer. I reported the name and number left on the voicemail to the DO NOT CALL website.
08/26/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	IL 60435	Web
After initially talking to Delta Mngmt. collection agency, we agreed upon a repayment plan for me to get out of default. After sending them XXXX stubs proving my employment, they contacted my employer thru fax and multiple calls to speak with me when I was there and was not. After I finally answered XXXX of the calls and told him to never contact me at my place of business again, he would not take no for an answer and continued to try to talk to me about my debt. My debt collector 's name is " XXXX XXXX '' ( sp? )
12/02/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	IN 46254	Web
The representative from Delta Management called by immediate supervisor and discussed my debt with her. When my supervisor was unwilling to discuss this issue with the representative, they questioned her asking " if she was n't concerned about her employee not paying her bills ''. My supervisor indicated that the representative was very aggressive. This was very inappropriate and could have lingering impact on my employment. Attempts were made to contact me but I had been in meetings for most of the day today.
03/10/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	AZ 85282	Web
They called ( XXXX AZ ) and told me they were calling on a recorded line. Asked for my DOB and SSN. I refused, asked them to explain who they are and why calling. Refused, gave company as " DELTA MANAGEMENT ASSOCIATES, INC. '' -- I asked for EIN/StateFileNumber, they refused. I asked them to validate, claimed they sent letter - never arrived. I see they are a debt collector, but never told me they are collecting debt. Simply refused to say anything but ask for my SSN/DOB. Collector Called From : XXXX
07/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02360	Web
I was going to school and XXXX XXXX XXXX XXXXe accepted my medical leave withdrawal since I gave XXXX and my baby had to stay in the hospital for several weeks and I was breast feeding. I did not go to school that semester or take any student loans or grants and now they are trying to bill me for classes I did not take, and just sent it to a collection company. Delta Management Associates , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MA XXXX
02/17/2016	Yes	Debt collection Federal student loan	False statements or representation Indicated committed crime not paying	OH 45356	Web
XXXX from Delta Management calls my family and place of employment- Does not call me- stating that he is issuing a warrant on me. He calls and requests information from my place of employment without stating a reason. He has shared my ss # with people he has talked to. I spoke with him once on the phone at my plae of employment. He requested information from me and wanted to " verify '' who I was without telling me who he was or why so I did not share any information with him.
05/01/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	AL 366XX	Web	Servicemember
XXXX XXXX began calling me and threating to contact my new Employer with Wage Garnishments! He said they would begin if I did not immediately. I told him I just got this job and he said that he had a program for me, he lied claiming to represent The Government had me sign up for some bogus service he led me to called XXXX XXXX XXXX, I cant get him on the phone, this is racism! I had to spend money to print pay stubs and forms then he told i could upload them.
05/24/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	SD 576XX	Web
My loan is in default, I have been trying to establish an Income based repayment plan with Delta Collection Agency @ XXXX. I 'm frustrated by their delaying tactics. I have sent in all requested documents even three years of tax returns, reference letters, Hardship letter yet every time I call something is missing, even though a supervisor told me yesterday everything was their. I have the opportunity to restart school but need my XXXX in place first.
02/19/2018	Yes	Debt collection Federal student loan debt	Communication tactics Called before 8am or after 9pm	SC 29210	Web	Servicemember
This company Delta Management keep calling and threatening to take me to court. they constantly calling all day and night. No respect. I asked them to not call me any more. The continue calling. They also calls from different numbers and from private numbers. I don't know them and they said the government sold them my contract to collect education debts. My credit report shows that I don't owe any school, because it had been charged off. Please help.
01/13/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	TX 78230	Web
I received contact from my next door neighbor that XXXX XXXX of Delta Management contacted them regarding my debt purposely to humiliate, embarass, and intimidate me. I have lived in the same home for 17 years and have had same job for 17 years. I do not socialize with my neigbors. Thery are neither responsible for me or privy to any of my information. In addition, my XXXX children have been contacted via mobile ph. after being advised repeatedly.
01/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60607	Web
This is a complaint about Delta Management Associates ' response to me in a prior complaint : XXXX. The company Delta Management asked that my employer return their form. All options provided on the form imply that the person they are collecting on has or does work at my employer. In fact, a person with the SSN they are collecting on has never worked at my employer. The form they want my employer to fill out lacks any such response option.
07/28/2017	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	MD 20832	Web
I have been repeatably contacted by Delta Management Associates to collect a debt by a employee of theirs. They have called at least 1 time per week and now have faxed me. They have now sent a fax telling me to garnish the wages of a employee of ours. They mention US code, and upon calling them they told me that our company would be in breach of law by not abiding by this. This is a fraudulent activity for which they should be warned.
11/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 20171	Web
A company called Delta Management calls several times a week. The person calling is called XXXX XXXX. I have repeated told her that I am not the person she is trying to reach and that I do not have nor have ever had student loan debt. She keeps trying to get personal information from me. I have asked her to stop calling and have had to block her number to stop the harassment. She is rude and hangs up. Their phone number is XXXX
04/03/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 91501	Web
On XX/XX/2020, President Trump signed the Coronavirus Relief ACT, which stopped all student loan wage garnishments for 6 months. Delta Management Associates continued to garnish my wages after the law went into effect. They owe me a refund of {$640.00} for two paychecks that were garnished on XX/XX/2020, and XX/XX/2020. In addition, the Delta Management Associates should be held criminally responsible for breaking the law.
11/05/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	IN 463XX	Web
I received a call today from Delta Management Associates regarding a defaulted student loan. I asked why I was getting a call when the CARES act suspended all collections on federal student loans. I was told my loans were not included in the CARES act and collections will continue. I was called from XXXX and spoke with a man at approximately XXXX central standard time.
01/24/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33614	Web
The company, Delta Management Associates, has contacted me three times regarding a debt that my mother owes. During both the first and second calls, I informed them to remove my name as a contact, and do not call me again. Today, I received a third call, and asked for the caller 's information in order to make a complaint. The caller 's name was XXXX XXXX.
04/10/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 91501	Web
Delta Management Associates is out of compliance with the CARES Act by failing to contact my employer about the 6-month freeze on student loan wage garnishments. Even after my previous complaint two weeks ago about the continuation of wage garnishment, Delta Management Associates continues to garnish wages and has failed to notify my employer.
05/18/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	CA XXXXX	Web
Delta Management Associates, Inc. contacted me at work on XXXX XXXX, 2016. I gave them a mailing address and asked for all future contact to be through the mail at the given address. The next day, my employer received two faxes for information from them. When contacted to ask them to cease from contacting the business, they hung up the phone.
08/11/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27707	Web	Older American
I continue to block phone calls from Delta Management, which calls from ( XXXX ) XXXX and ( XXXX ) XXXX. My XXXX app says Delta Management is a mortgage lender. I have a mortgage through a credit union. Today I got a message from my church saying XXXX from Delta Management called to ask if I worked there. This is abusive and illegal.
09/21/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33150	Web
I, XXXX XXXX, Consumer, HEREBY ORDER Delta Management Associates Inc, to CEASE AND DESIST all communication through any medium directly or indirectly. This is my first and last warning, anything after this I will file a lawsuit in Federal District Court with Prejudice! XXXX XXXX ALL RIGHTS RESERVERED UCC 1-308
12/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10128	Web
On XXXX/XXXX/XXXX XXXX XXXX called from XXXX from Delta Management and attempting to collect on educational debt. She refused to remove my contact information from their calling system after I told her that she was looking for someone else with the same name and date of birth.
10/12/2018	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33138	Web
On XX/XX/2018, I sent a Cease and Desist letter to the public address of the company including my current contact information ( phone, address, email ). The letter requests that the company cease and desist calling family, personal contacts and co-workers and my workplace.
06/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 900XX	Web
Delta Management Associates contacted me at my employer informing me I am in debt to them. My employer received wage garnishment letters and threats with a lawsuit if Delta did not receive payment from them. Personal information Delta claimed to be mine was inaccurate.
07/23/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 10002	Web
Delta management associates has so far : Called me all hours of the day and night Called my brother Called my mother Called posing as an investigator from a law firm looking for me regarding a former employer ( number is out of service and company didnt exist )
06/03/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 604XX	Web
I have no contract or knowledge of the account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
05/27/2015	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	TX 75206	Web
Delta Management has contacted me via letter stating they are my student loan collection agency and will garnish my wages. I have told them not to call me at work and they have sent fax and called wanting employment verification.
12/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30813	Web	Servicemember
Repeated calls for my ex husband 's wife. We have been divorced for over twenty years. I have not talked nor laid eyes on these people in twenty years. The repeated calls are upsetting me and my family.
05/30/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33351	Web
Delta Management hav e been calling back to back each day until someone picks up. Then they call an office phone repeatedly until the person is available The reps name is XXXX XXXX XXXX
08/03/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60431	Web
Received call informed collection person I was at work and didnt have the time to talk to verify the debt he got mad and said im just trying to get him off the phone and not pay
03/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 320XX	Web	Servicemember
Received a collection letter addressed to me at my address for a person that has a similar name. This person 's date of birth, ss # and middle initial are different than mine.
05/31/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	CA 90802	Web
On XXXX XXXX , 2017 XXXX XXXX ( phone number XXXX XXXX and XXXX ) at XXXX called a family member at work regarding my student loans.
04/21/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	CA 91501	Web
On XX/XX/2020, I sent a complaint to the ombudsman at Delta Management Associates about XXXX XXXX. The ombudsman has yet to respond to my email.
10/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MI 48340	Web
This company is still attempting to collect a debt that was paid. They are still contacting, sending threating remarks through phone calls.
06/13/2021	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 Their investigation did not fix an error on your report	PA 18020	Web
i paid delta management for a collection from XXXX XXXX an they did not report it to XXXX XXXX so now my score has been impacted???
02/11/2020	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	NY 146XX	Web
has contacted my employer, including calling my place of employment during after hours and speaking to our answering service
09/16/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 339XX	Web
They call no stop. I block their number and they call from other numbers.
05/22/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 088XX	Web
Called a family member that did NOT have my cell phone #
02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76120	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30316	Web

05/03/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33150	Web

01/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77045	Web

01/23/2023	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 Problem with personal statement of dispute	TX 77494	Web

12/21/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91730	Web

10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21044	Web

04/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36109	Web

07/19/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	FL 33584	Web

03/16/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	RI 02852	Web

01/27/2021	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	FL 32205	Phone

07/07/2020	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount		Phone	Older American

04/10/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 91501	Web

02/25/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 32953	Postal mail

02/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90041	Fax

01/15/2020	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32909	Phone

01/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32953	Referral

12/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89002	Referral

11/15/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 91501	Web

08/22/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt		Phone	Servicemember

07/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08360	Postal mail

07/30/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	WI 54241	Web

06/18/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	FL 33319	Web

06/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 62249	Web

05/20/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	NY 11221	Web

12/04/2018	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10469	Web

07/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34475	Referral

07/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29579	Postal mail

04/25/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	AK 99921	Web

04/20/2018	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	PA 15601	Referral

04/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34475	Referral

03/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	DC 20018	Web

03/16/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	IL 60004	Web

01/31/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 77082	Web

01/09/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web

11/15/2017	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	AZ 85353	Web

11/08/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	LA 70506	Web

10/11/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 28012	Web

10/05/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94040	Web

09/30/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	IN 46806	Web

09/12/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	OR 97058	Web	Older American, Servicemember

09/03/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 91405	Web

08/28/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53575	Web

08/17/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	IN 46806	Web

08/17/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	IN 46806	Web

08/16/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	TX 75074	Web

08/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37075	Postal mail

07/23/2017	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NV 89123	Web

06/19/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 13827	Postal mail

06/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	OR 97236	Referral

05/22/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 27834	Web

05/17/2017	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	IN 46217	Web

05/01/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 43230	Web

04/26/2017	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	KS 67501	Postal mail

02/24/2017	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	VA 22812	Web

02/09/2017	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	WA 98093	Postal mail

01/10/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 78109	Referral

11/22/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	CA 95409	Web	Servicemember

10/06/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	CA 94063	Phone

09/28/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	CA 92503	Web

09/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt		Phone	Servicemember

09/08/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	OR 97439	Postal mail

08/10/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	NJ 07070	Web

07/29/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	MN 55316	Web	Older American

07/18/2016	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	VA 23832	Phone	Older American

05/17/2016	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	NY 13416	Phone

12/27/2015	Yes	Debt collection Federal student loan	False statements or representation Impersonated an attorney or official	CA 92101	Web	Servicemember

11/12/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	MA 02747	Referral	Older American, Servicemember

10/14/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	CA 91117	Web	Servicemember

09/06/2015	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Seized/Attempted to seize property	SC 29078	Web

07/16/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	PA 19605	Web

06/29/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NC 28405	Web

02/06/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30286	Web

02/05/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	MI 48336	Web

01/15/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	CA 95624	Web

01/10/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	FL 33614	Web	Older American

12/23/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MI 79685	Referral

12/03/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	OR 97702	Web

12/02/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	PA 15131	Web

11/20/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	LA 70124	Web

11/17/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WA 98338	Postal mail

11/08/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	WV 25880	Web

11/04/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	VA 23235	Web

10/31/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	PA 18044	Web

10/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MI 48067	Web

10/09/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	TX 76106	Web

10/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11235	Web

09/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 01602	Web

08/14/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97702	Web

08/14/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	VA 22193	Postal mail

08/13/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	GA 30311	Postal mail

07/31/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	FL 33510	Web	Older American, Servicemember

07/10/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 95835	Web

07/09/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 91701	Web

07/03/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted me after I asked not to	DC 20002	Web

06/30/2014	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30340	Web

06/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19149	Web	Older American

06/19/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	AZ 85257	Referral

06/19/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	TX 77598	Referral

06/18/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	GA 30144	Web

06/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 47404	Web

06/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80241	Web	Servicemember

05/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43231	Web

05/16/2014	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	MO 64801	Phone

05/11/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 91001	Web

05/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22102	Web

05/02/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	GA 30102	Web

04/23/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	MA 02021	Web

04/18/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29902	Web

04/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	KY 41042	Referral

03/29/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	NC 28214	Web

03/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90403	Web

03/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90403	Web

02/26/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 92647	Web

02/24/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	NY 11570	Web

02/13/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33762	Referral

02/11/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	MA 01030	Web

02/09/2014	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	SC 29831	Web

02/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DC 20002	Web

01/29/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	AZ 85202	Web	Servicemember

12/30/2013	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	FL 33414	Web

12/09/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	GA 31088	Fax

11/21/2013	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	NC 28679	Web

11/14/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33408	Web

11/14/2013	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	MA 02090	Web

11/12/2013	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	KS 66604	Web

11/09/2013	Yes	Student loan Non-federal student loan	Repaying your loan	IL 60660	Web

10/29/2013	Yes	Debt collection Federal student loan	Communication tactics Used obscene/profane/abusive language	MN 56303	Web

10/25/2013	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	OR 97045	Web

09/28/2013	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	MS 39452	Web

07/31/2013	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Threatened to sue on too old debt	KS 66102	Web