ECMC GROUP, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/12/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
On XXXX XXXX XXXX I sent via certified mail a notarized affidavit to ECMC ( attachment of affidavit is attached to this complaint ). As of XXXX/XXXX/XXXX, I have not received a response from ECMC addressing all of my concerns nor answering all of my questions in my affidavit. A maxim of commercial law states that an affidavit that is not rebutted point by point stands as truth in law. ECMC has failed to respond to my affidavit. ECMC did send a response that was received in late XXXX XXXX but dated XXXX/XXXX/XXXX. In this correspondence ECMC evaded all of my questions and concerns in regards to the alleged debt and alleged loan, except one. They attempted to address my concerns over the authenticity of the promissory note through an employee named XXXX XXXX from the Research Resolution Department by citing Rule 1003 of the Federal Rules of Evidence where it is stated that duplicates of promissory notes are admissible unless certain criteria are met. I have researched this Federal Rules of Evidence and I am challenging the authenticity of the copy of the promissory note which may possible be forged especially with today 's technology and software programs. If ECMC claims to have the original authentic promissory note, please provide a signed affidavit by an authorized representative of ECMC stating that they have the original wet ink signature document. Also, this attempt by XXXX XXXX of ECMC to address and answer one of my several questions and statements posed, is not sufficient. XXXX XXXX completely evaded my other questions and statements and did n't address the promissory note issue at all, but instead brought up an off subject matter that did not address the actual subject matter. I challenged the authenticity of the photocopy not if photocopies are admissible or not. Also, XXXX XXXX of ECMC needs to address all of my other questions and concerns. I have copy and pasted the text from the original affidavit and attached it to this complaint. There are eight ( 8 ) itemized questions that need to be answered and addressed completely and not evaded. XXXX XXXX of ECMC only attempted to answer question # 5 out of the 8 itemized questions and statements and completely evaded questions # 1, 2, 3,4,6,7 and 8. Text from affidavit below : XXXX XXXX, XXXX ECMC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Dear ECMC, This letter is in regards to an item/account being reported to the credit bureau ( s ). I have not received any correspondence from your company attempting to collect a debt. I have not been given the opportunity to address this alleged debt with your company before you began reporting to the credit bureau ( s ). Please cease reporting this item/account ( alleged debt ) to the credit bureaus until the alleged debt can be verified. This is not a refusal to discharge any debt that I may lawfully owe ; In fact I agree to discharge any debt that I may lawfully owe, once the alleged debt has been verified. What is being requested as validation and verification of the alleged debt is listed below. 1. Verification of the debt, which includes the actual accounting 2. Verification of your ( ECMC ) claim against me ( XXXX XXXX ) ; that is a signed invoice 3. The contract binding both parties ( XXXX XXXX and ECMC ) Upon receipt of the above requested items, the proper actions can be negotiated between me ( XXXX XXXX ) and your company ( ECMC ) to discharge the debt. Until the debt can be verified, as mentioned previously in this correspondence, please cease reporting this alleged debt to the credit bureau ( s ). Thank you, in advance, for your prompt attention to this matter. The above text is from my initial correspondence sent to ECMC on XXXX XXXX, XXXX, but the wrong address was listed on the credit report as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, so the original letter was returned to sender. After filing a complaint with the Consumer Financial Protection Bureau, I now have the correct address, so Im resending the text from the original correspondence and also addressing some additional issues arising from ECMCs response to the CFPB ( Consumer Financial Protection Bureau ) complaint. In the CFPB response from ECMC, ECMC claims that on XXXX XXXX, XXXX and XXXX XXXX, XXXX unsubsidized and subsidized loans were disbursed in the total amount of {$6600.00}. This is why I requested in my initial correspondence, the actual accounting for the alleged debt. What is being requested in regards to the actual accounting is verifiable evidence and records that reflect that ECMC or any other party ( financial institution ) actually loaned their own pre-existing money or assets ( including money or assets the Bank may have sourced from another institution ). In the CFPB response from ECMC, a copy of what was referred to by ECMC as the Master Promissory Note was also provided in the CFPB response. This is a copy of an alleged original document and may possibly be a forgery. Please provide the original wet ink signature document, so that I may perform my own investigation into the authenticity of the document. Also, until the debt can be verified please refrain from using you or your loans when addressing me ( XXXX XXXX ) ; this debt has not been lawfully verified, so that can be construed as defamation. It was also mentioned in the ECMC CFPB response that payments totaling in the amount of {$6100.00} were made during a duration totaling 76 months, if youre unable to verify the debt and that an actual loan was provided ; the total amount of payments should be returned to the party on record that made those payments. ECMC also claims that on XXXX XXXX, XXXX a default claim was paid in the total amount of {$3000.00}. Please provide evidence and the accounting of how this was performed. ECMC also claims that a Notice of Default ( NOD ) was sent on XXXX XXXX, XXXX and another notice on XXXX XXXX, XXXX. None of these notices have been received by me ( XXXX XXXX ). Please provide the evidence that ECMC actually sent these so-called notices ; that is tracking information from the postal services used and a signed affidavit by an authorized representative of ECMC. ECMC cited several codes and statutes in their CFPB response that they claim justify their actions of reporting this item/account to the credit bureau ( s ). Those codes and statutes apply to debts that have been properly and lawfully verified. This debt has not been properly and lawfully verified, so please discontinue reporting this alleged debt to the credit bureau ( s ). Please answer the following questions below and provide the requested documents within 10 days of receipt of this correspondence. 1. Can you provide the actual accounting that reflects that ECMC or any other party ( financial institution ) actually loaned their own pre-existing money or assets ( including money or assets the Bank may have sourced from another institution )? 2. Can you provide verification of your ( ECMC ) claim against me ( XXXX XXXX ) ; that is a signed invoice? 3. Do you have and can you provide the original contract binding both parties ( XXXX XXXX and ECMC or any other party )? 4. Can you provide sufficient evidence i.e. tracking information and a signed affidavit by an authorized representative of ECMC that so-called Notices of Default were sent on XXXX XXXX, XXXX and XXXX XXXX, XXXX? 5. Do you have the original wet ink signature Master Promissory Note? 6. If the answer is yes to the above question # 5 ; was that Master Promissory Note used as a monetized loan instrument, creating a credit on account through bookkeeping entries that were then used to fund the alleged loan? 7. If the answer is yes to the above question # 6 ; the payments mentioned in the CFPB response from ECMC should be returned to the party that made those payments totaling {$6100.00}, since the Master Promissory Note was used as a monetized loan instrument and would have funded the entirety of alleged loan and no pre-existing money or assets were used by the so-called lender. The {$6100.00} worth of payments would be considered an excess amount collected and that can not be justified by ECMC or the alleged lender. 8. Would the above statement in regards to the payments totaling {$6100.00} be considered as a true assessment or not? For any of the above questions that are answered positively with a yes, please provide any documentation and evidence, signed by an authorized representative of ECMC. As mentioned in my initial correspondence, this is not a refusal to discharge any debt that may lawfully be owed, upon verification of the debt. If ECMC disregards and violates the law, further lawful and legal action will be pursued. If the debt can not be verified within the timeframe ( 10 days ) provided, this matter is closed, so please cease reporting to the credit bureau ( s ). Thank you for your prompt attention to this matter.
05/12/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 90057	Web	Older American
COMPLAINT XXXX XXXX XXXX ( hereinafter referred to as a Borrower ) would like to lodge a complaint unto this Office relating to his student loan and to this effect alleges that : PARTIES 1. Borrower is and has been residing at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX for over a period of 20 years. At present, he is retired and since XX/XX/XXXX he has been receiving an SSS pension amounting to {$1100.00} a month. against 2. Education Credit Management Corp ( " ECMC '' ), is a loan holder, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( `` XXXX XXXX XXXX '' ), is a lending financial institution ( collectively known as " Lenders '' ) and XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), is a private collection agency which is stationed in XXXX. PREFATORY STATEMENT 3. This complaint is based on the following grounds, ( 1 ) double dipping a debt, ( 2 ) fraud, ( 3 ) unfair debt collection practices, ( 4 ) harassment, ( 5 ) failure to espond to debtor, ( 6 ) violation of implied covenant of good faith and fair dealing and ( 7 ) Abuse the Levy Process and, ( 8 ) conspiracy to commit fraud. First Cause of Action ( Double Dipping A Debt ) 4. ECMC, XXXX XXXX XXXX and XXXX, separately or jointly, are guilty of double dipping because they, separately or jointly, intentionally and deliberately, caused the amount of the Borrower 's debt doubled in order that they could to collect more money from the Borrower. Borrower 's debt was unnecessarily, improperly and grossly transferred to XXXX for collection despite the fact that ECMC has been collecting Borrower 's payment from the Bureau of Treasury ( " Treasury " ) due to ECMC 's levy. Second Cause of Action ( Fraud ) 5. ECMC, XXXX XXXX XXXX and XXXX, separately or jointly, are guilty of Intentional fraud because they, separately or jointly, failed to disclose to Borrower the status of his account. ECMC and XXXX XXXX XXXX transferred Debtor 's debt to a XXXX without the prior knowledge, consent of or approval of Borrower. Borrower did not receive a written notice from the Lenders that his account was transferred to XXXX. Either, Borrower did receive a notice from XXXX that it is now handling borrower 's debt since XX/XX/XXXX Third Cause of Action Unfair Debt Collection Practices 6. ECMC, XXXX XXXX XXXX and XXXX, separately or jointly, are guilty of unfair debt collection practices in that they, separately or jointly, used and employed collection tactics that undermines and subvert the purpose of the student loan program. For example, forcing a debtor to deal with a private collection agency when it is no longer necessary because of the levy and on several occasions referring the account to various private collection agencies. Also, levying the Borrower 's SSS pension without a prior notice to Borrower. Had Borrower receive a collection demand letter, Borrower would have made a payment arrangement with ECMC. Also, Borrower did not receive a written letter from Lenders demanding payment of his debt prior to the levy. Fourth Cause of Action Harassment 7. On several occasions, hired private collection agencies to force Borrower to pay. Then, when those collection agencies did not deliver results, ECMC and XXXX XXXX XXXX levied Borrower 's SSS pension with the Treasury on XX/XX/XXXX and since then up to the present time, ECMC and/or XXXX XXXX XXXX has been receiving payment from Borrower thru the Treasury. 8. Not satisfied, after the levy was effected and after Borrower 's begun paying his debt, ECMC and/or XXXX XXXX XXXX without justifiable reason but to harass and increase the debt of Borrower, transferred Borrower 's debt to XXXX. Therefor, ECMC and XXXX XXXX XXXX are quilty of harassment. Fifth Cause Of Action Failure to Respond to Debtor 9. On several occasions before the filing of this complaint, Borrower called and e-mailed ECMC and XXXX XXXX XXXX informing each of them about Borrower 's desire to make a payment arrangement and thereafter lift the levy. 10. Borrower also would like to know why his account was transferred to XXXX when there is an existing levy on his SSS pension with the Treasury. Either, ECMC or XXXX XXXX XXXX failed and still continued to fail to respond to Borrower 's communication. Sixth Cause of Action Violation of Implied Good Faith and Fair Dealong 11. ECMC and XXXX XXXX XXXX violated the covenant of implied good faith fair dealing because they transferred Borrower '' s debt to XXXX for collection when the account was already subject to a levy by Treasury and without the prior knowledge, consent or approval of Borrower. 12. ECMC and/or XXXX XXXX XXXX hired a new debt collector, here XXXX and Borrower pays XXXX for its unrendered services because of the existing levy which is not fair under this circumstance. Therefore, the Lenders are in bad faith and therefore they both violated the covenant of good faith and fair dealing.. Seventh Cause of Action ( Abuse of Levy Process ) 13. ECMC and XXXX XXXX XXXX kept Borrower financially hostage for more than two ( 2 ) years because of the levy. They and each of them knew or should have known that the levy can not be levied unless the debt is fully paid or Borrower would make a payment arrangement. 14. Despite the existing levy, the Lenders hired XXXX purportedly to collect the debt which Borrower has been paying and as a result of which Borrower 's debt unnecessarily increased. Because of the oppression perpetrated by Lenders, Borrower was forced to pay Lenders additional cost and expenses. Therefore, the Lenders abuse the levy process Eight Cause of Action Conspiracy to Commit Fraud 15. ECMC, XXXX XXXX XXXX and XXXX are guilty of conspiracy to commit fraud in that they conspired and confabulated with each other to increase Borrower 's debt so they could collect more money from Borrower. 16. Borrower 's account was transferred to XXXX without the prior consent, knowledge, approval of Borrower, that the Lenders and XXXX intended to extract more money from Borrower, that they knew or should have known that a levy on Borrower 's SSS pension existed with the Treasury at a time of such transfer and that, they failed to provide Borrower Statement of Account. Consequently, Borrower 's debt ballooned from {$1600.00} to more than {$3000.00}. FACTS 17. In XX/XX/XXXX, Borrower loaned from ECMC in the amount of {$10000.00}. Borrower used this money to finance the college education of his son. Borrower started paying his debt until XX/XX/XXXX when he was laid off from his job. At that time, Borrower 's debt was estimated to be in the amount of {$5600.00}. 18. Borrower lost contact with ECMC and because of this, his debt remained unpaid. All these years, Borrower did not receive an oral or written notice of default from ECMC or XXXX XXXX XXXX 19. On or about XX/XX/XXXX, after Borrower retired on XX/XX/XXXX, Borrower received a Notice of Levy from the Treasury. Since, he wanted to pay the remaining balance of his debt which was the amount of {$5600.00}, Borrower decided not to object to the levy and let the Bureau offset from his SSS retirement pension of {$1100.00}, the amount of XXXX each month. 20. To date, Borrower had already paid an amount of {$3900.00} leaving a balance of {$1600.00}. 21. On XX/XX/XXXX, Borrower received a letter from the Treasury. In its letter dated XX/XX/XXXX, the Treasury informed Borrower that the it applied the amount of {$160.00} to his outstanding debt with ECMC. Borrower called ECMC but ECMC 's voice mail told him to contact XXXX XXXX XXXX XXXX. Borrower called XXXX and they told him that they are a private collection agency who is now handling his account. Borrower was surprised and shocked because did not receive any notice either from ECMC or XXXX XXXX XXXX or XXXX about the transfer of debt. So, Borrower was surprised when XXXX told him that his balance as of this writing is in the amount {$3000.00} something. Borrower was shocked because his debt almost doubled. 22. The transfer by ECMC of Borrower 's debt after the garnishment was effected was not proper and necessary. It is grossly unfair, unreasonable, unconscionable and abuse of debtor 's right. Borrower 's has beenn paying ECMC of his debt regularly each month since XX/XX/XXXX 23. ECMC or XXXX XXXX XXXX is in bad faith in making Borrower financially suffer more by transferring his debt to collection who would do nothing but to receive from the Treasury.
03/22/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	OH 43017	Web
1 ) ECMC ( Educational Credit Management Corp ) began garnishments of my funds in XX/XX/XXXX for my defaulted student loan. 2 ) I filed Bankruptcy in late XX/XX/XXXX which took effect XX/XX/XXXX. My student loan was not part of the bankruptcy however it was put in deferment. My attorney & the trustee urged me to make contact with student loans and formulate a repayment plan during the bankruptcy. The garnishments had stopped at that point. 3 ) My employer mistakenly sent two bankruptcy payments to the US Dept of Education. This caused the bankruptcy to threaten dismissal of my cause due to non payment. My attorney at the time XXXX XXXX explained the mishap to the courts and my bankruptcy was reinstated. However, that's where things got crazy. 4 ) My employer continued to send payments to the US Department of Education along with my Bankruptcy payments. After accessing everything, I was OK with the garnishments despite no court order. So the garnishments continued at a lower rate while the bankruptcy continued.Since the garnishments for student loans were being taking out, I felt there was no need to reach out to the US Department of Education to make payment arrangements. 5 ) I completed my bankruptcy in XX/XX/XXXX however the garnishments for my student loan continued at a higher rate between 15 % -25 %. 6 ) In the spring of XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ), I received a phone call from ECMC in regards to my student loan. I replied " You're already garnishing my wages. Why are you calling? " the agent responded " We aren't garnishing your wages. The purpose of this call is make payment arrangement to avoid garnishments ". The agent suggested I reach out to the US Department of Education to clarify. 7 ) I contacted the US Dept of Ed, the next day to get clarification. The agent stated I had a balance of {$4300.00} and the last payment received was on XX/XX/XXXX. I explained my wages had been garnished and the agent suggested I verify what address the payments were sent. 8 ) My employer verified the correct address and we started an investigated to confirm the payments were recieved. 9 ) XX/XX/XXXX, I received a letter from the US Dept of Education stating I have refund on my student loan account. The letter stated the refund may due to 1 or 2 loans being over paid. At this time, I assumed the payments were found and posted to my account.I contacted the US Department of Education and confirmed receipt of the letter. I requested they fax a letter to my employer halting the wage garnishments and to contact ECMC to stop the collections calls. The agent agreed to do both ( XX/XX/XXXX ). When I returned to work I advised my employer to halt the investigation from our end. I received a refund check of XXXX in XX/XX/XXXX. At this point I thinking everything is good and I am finally debt free. 10 ) I no longer received collection calls and wage garnishments had stopped as of XX/XX/XXXX. 11 ) Over Christmas break ( XX/XX/XXXX I believe ) I received a call from a company named XXXX ( a debt collector ). They stated I have a student loan debt of an estimated {$4400.00} that was referred to them from ECMC. I explained the situation to the agent and placed the loan status in dispute for 15 days. 12 ) I returned to work on XX/XX/XXXX, I advised my employer to reopen the investigation. I requested we verify payment sent to US department of Education fro XX/XX/XXXX to XX/XX/XXXX. My employer advised this would take some time as they had to get the bank involved and our third party vendor who handles our finances from XX/XX/XXXX to the present. 13 ) Meanwhile, I stayed in contact with XXXX every two weeks to keep the dispute status open while waiting for verification. 14 ) I reached out to US Dept of education as I was confused. The agent stated my account was not paid off but transferred to ECMC due to non payment. The agent explained the difference between a pay off letter vs zero balance letter. When they transferred my account to ECMC, my account was closed out which prompted the zero balance letter. The refund I received for {$96.00} was actually a payment that they sent back. At the same time the agent stated they still had not received a payment since XX/XX/XXXX. However, the refund I received was the exact amount that was taken out of my XX/XX/XXXX check.????? 15 ) I finally received payment confirmation from my employer. It was a total of 25 pages of payments dating back from XX/XX/XXXX through XX/XX/XXXX totally over {$5200.00} through wage garnishments sent to the US Dept of Education in XXXX GA. 16 ) I faxed the documents over to XXXX. Initially, I was told the information was received too late and my dispute status had expired. Again, remember I had been in contact with XXXX XXXX every two weeks to keep the dispute status valid. The agent advised she would forward my documents and dispute claim to ECMC. She also advised that garnishment proceedings was already in process. 17 ) A week later I received a letter from ECMC advising me of my rights to object of the wage garnishments along with a form to dispute my claim. The dispute would go back to XXXX for review. I filled out the form. 18 ) I received a second letter form ECMC stating dispute was not valid and claiming that they had received my payments along with a amortization schedule showing the payments being applied. This was first time any one acknowledged receiving my payments however the balance remain the same. In addition, the balance showed collections charges, penalty interest charges being assessed to an account that you now acknowledge was paid on time since XX/XX/XXXX ( while in Bankruptcy and deferment ). 19 ) I now have two disputes that need the involvement of a legal expert. First, I believe I proved beyond a shadow of debt that this loan is not only paid but a refund is due + damages. Second, is the last correspondence I received from ECMC is stating that they received my payments ( which prior to verifying the payments they stated they did not received any payments ). However, playing devil 's advocate I have a simple questions. If you now acknowledge the payments sent, why are you still pursuing garnishments? Why haven't my balance been reduced to reflect payments? Why are you charging penalty interest / collection fees on an account that has been paying constantly? Remember, there was no court order garnishment after bankruptcy so all payments were voluntary. Shouldn't they have sent this account back to US Dept of Education? 20 ) As of XX/XX/XXXX I have not heard back from anyone. I contacted the US Department of Education and requested my account be notated in detail. The agent again stated the last payment to post to my account was on XX/XX/XXXX in the amount of {$240.00}. They have not received a payment since. In addition, she stated my balance at that time was {$3200.00} ( I have verified bank statements showing over {$5200.00} payments being made to US Dept from XX/XX/XXXX to XX/XX/XXXX ). The agent advised they can not handle my dispute because it is assigned to ECMC. She suggested I contact them. 21 ) I contacted ECMC to request a hearing and was informed I needed to contact XXXX to put in formal dispute. The agent also stated they never received any proof of payments from me sent to XXXX. She acknowledged a dispute was submitted but no supporting documents to aide my dispute was received. She suggested I contact XXXX to start the dispute process over. 22 ) I contacted XXXX on XX/XX/XXXX to request a hearing. The representative stated that my hearing request will need to go through ECMC. At this point I was totally frustrated. I questioned whether my 25 pages of proof of payments were ever sent to ECMC. The agent could not give me a definitive answer. At this point I requested a supervisor and sent to a voicemail. I left a message requesting a hearing and have not heard back. 23 ) All I am requesting is a hearing with all three agencies present at one time. I need to clarify the payment received on my account and what my student balance was at the time of my bankruptcy of XX/XX/XXXX. Once that is determined, I can forward proof of payment to the appropriate party and request a refund for over payment.
05/23/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	CA 90057	Web	Older American
COMPLAINT XXXX XXXX XXXX ( hereinafter referred to as a Borrower ) would like to lodge a complaint unto this Office relating to his student loan and to this effect alleges that : PARTIES 1. Borrower is and has been residing at XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX for over a period of 20 years and with cell no. XXXX. At present, he is retired and since XX/XX/XXXX he has been receiving an SSS pension amounting to {$1100.00} a month. 2. XXXX XXXX XXXX XXXX XXXX is a private collection agency whose address is at XXXX XXXX XXXX XXXX, XXXX XXXX and telephone no. XXXX PREFATORY STATEMENT 3. This complaint is based on the following grounds, ( 1 ) double dipping a debt, ( 2 ) fraud, ( 3 ) unfair debt collection practices, ( 4 ) harassment, ( 5 ) failure to espond to debtor, ( 6 ) violation of implied covenant of good faith and fair dealing and ( 7 ) Abuse the Levy Process and, ( 8 ) conspiracy to commit fraud. First Cause of Action ( Double Dipping A Debt ) 4. ECMC, XXXX XXXX XXXX and XXXX, separately or jointly, are guilty of double dipping because they, separately or jointly, intentionally and deliberately, caused the amount of the Borrower 's debt doubled in order that they could to collect more money from the Borrower. Borrower 's debt was unnecessarily, improperly and grossly transferred to XXXX for collection despite the fact that ECMC has been collecting Borrower 's payment from the Bureau of Treasury ( " Treasury " ) due to ECMC 's levy. Second Cause of Action ( Fraud ) 5. ECMC, XXXX XXXX XXXX and XXXX, separately or jointly, are guilty of Intentional fraud because they, separately or jointly, failed to disclose to Borrower the status of his account. ECMC and XXXX XXXX XXXX transferred Debtor 's debt to a XXXX without the prior knowledge, consent of or approval of Borrower. Borrower did not receive a written notice from the Lenders that his account was transferred to XXXX. Either, Borrower did receive a notice from XXXX that it is now handling borrower 's debt since XX/XX/XXXX Third Cause of Action Unfair Debt Collection Practices 6. ECMC, XXXX XXXX XXXX and XXXX, separately or jointly, are guilty of unfair debt collection practices in that they, separately or jointly, used and employed collection tactics that undermines and subvert the purpose of the student loan program. For example, forcing a debtor to deal with a private collection agency when it is no longer necessary because of the levy and on several occasions referring the account to various private collection agencies. Also, levying the Borrower 's SSS pension without a prior notice to Borrower. Had Borrower receive a collection demand letter, Borrower would have made a payment arrangement with ECMC. Also, Borrower did not receive a written letter from Lenders demanding payment of his debt prior to the levy. Fourth Cause of Action Harassment 7. On several occasions, hired private collection agencies to force Borrower to pay. Then, when those collection agencies did not deliver results, ECMC and XXXX XXXX XXXX levied Borrower 's SSS pension with the Treasury on XX/XX/XXXX and since then up to the present time, ECMC and/or XXXX XXXX XXXX has been receiving payment from Borrower thru the Treasury. 8. Not satisfied, after the levy was effected and after Borrower 's begun paying his debt, ECMC and/or XXXX XXXX XXXX without justifiable reason but to harass and increase the debt of Borrower, transferred Borrower 's debt to XXXX. Therefor, ECMC and XXXX XXXX XXXX are quilty of harassment. Fifth Cause Of Action Failure to Respond to Debtor 9. On several occasions before the filing of this complaint, Borrower called and e-mailed ECMC and XXXX XXXX XXXX informing each of them about Borrower 's desire to make a payment arrangement and thereafter lift the levy. 10. Borrower also would like to know why his account was transferred to XXXX when there is an existing levy on his SSS pension with the Treasury. Either, ECMC or XXXX XXXX XXXX failed and still continued to fail to respond to Borrower 's communication. Sixth Cause of Action Violation of Implied Good Faith and Fair Dealong 11. ECMC and XXXX XXXX XXXX violated the covenant of implied good faith fair dealing because they transferred Borrower '' s debt to XXXX for collection when the account was already subject to a levy by Treasury and without the prior knowledge, consent or approval of Borrower. 12. ECMC and/or XXXX XXXX XXXX hired a new debt collector, here XXXX and Borrower pays XXXX for its unrendered services because of the existing levy which is not fair under this circumstance. Therefore, the Lenders are in bad faith and therefore they both violated the covenant of good faith and fair dealing.. Seventh Cause of Action ( Abuse of Levy Process ) 13. ECMC and XXXX XXXX XXXX kept Borrower financially hostage for more than two ( 2 ) years because of the levy. They and each of them knew or should have known that the levy can not be levied unless the debt is fully paid or Borrower would make a payment arrangement. 14. Despite the existing levy, the Lenders hired XXXX purportedly to collect the debt which Borrower has been paying and as a result of which Borrower 's debt unnecessarily increased. Because of the oppression perpetrated by Lenders, Borrower was forced to pay Lenders additional cost and expenses. Therefore, the Lenders abuse the levy process Eight Cause of Action Conspiracy to Commit Fraud 15. ECMC, XXXX XXXX XXXX and XXXX are guilty of conspiracy to commit fraud in that they conspired and confabulated with each other to increase Borrower 's debt so they could collect more money from Borrower. 16. Borrower 's account was transferred to XXXX without the prior consent, knowledge, approval of Borrower, that the Lenders and XXXX intended to extract more money from Borrower, that they knew or should have known that a levy on Borrower 's SSS pension existed with the Treasury at a time of such transfer and that, they failed to provide Borrower Statement of Account. Consequently, Borrower 's debt ballooned from {$1600.00} to more than {$3000.00}. FACTS 17. In XXXX, Borrower loaned from ECMC in the amount of {$10000.00}. Borrower used this money to finance the college education of his son. Borrower started paying his debt until XX/XX/XXXX when he was laid off from his job. At that time, Borrower 's debt was estimated to be in the amount of {$5600.00}. 18. Borrower lost contact with ECMC and because of this, his debt remained unpaid. All these years, Borrower did not receive an oral or written notice of default from ECMC or XXXX XXXX XXXX. 19. On or about XX/XX/XXXX, after Borrower retired on XX/XX/XXXX, Borrower received a Notice of Levy from the Treasury. Since, he wanted to pay the remaining balance of his debt which was the amount of {$5600.00}, Borrower decided not to object to the levy and let the Bureau offset from his SSS retirement pension of {$1100.00}, the amount of XXXX each month. 20. To date, Borrower had already paid an amount of {$3900.00} leaving a balance of {$1600.00}. 21. On XX/XX/XXXX, Borrower received a letter from the Treasury. In its letter dated XX/XX/XXXX, the Treasury informed Borrower that the it applied the amount of {$160.00} to his outstanding debt with ECMC. Borrower called ECMC but ECMC 's voice mail told him to contact XXXX XXXX XXXX XXXX. Borrower called XXXX and they told him that they are a private collection agency who is now handling his account. Borrower was surprised and shocked because did not receive any notice either from ECMC or XXXX XXXX XXXX or XXXX about the transfer of debt. So, Borrower was surprised when XXXX told him that his balance as of this writing is in the amount {$3000.00} something. Borrower was shocked because his debt almost doubled. 22. The transfer by ECMC of Borrower 's debt after the garnishment was effected was not proper and necessary. It is grossly unfair, unreasonable, unconscionable and abuse of debtor 's right. Borrower 's has beenn paying ECMC of his debt regularly each month since XXXX 23. ECMC or XXXX XXXX XXXX is in bad faith in making Borrower financially suffer more by transferring his debt to collection who would do nothing but to receive from the Treasury his payment.
01/19/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	CA 91361	Web	Servicemember
I was an XXXX military XXXX between XXXX an XXXX. I was stationed and served my country in XXXX, XXXX. I completed my education at XXXX University, XXXX XXXX then raised XXXX children including XXXX XXXX XXXX adoptions. In XXXX of XXXX I set up a payment plan with ECMC for ongoing automatic payment arrangement of {$500.00} per month ongoing on my student loan. At the time, I disputed the balance and did not agree that it was accurate but knew that I needed to make payments. I set up an automatic payment method. That payment was processed through ECMC ten times between XX/XX/XXXX and XX/XX/XXXX when ECMC stopped the automatic payments with no notice to me. In XX/XX/XXXX I telephone ECMC requesting information on why the payments had stopped and that I wanted to update my records. I was told there was no record to update as they had no record of my loan or a payment issue. In the meantime, my family moved out of the state of XXXX to XXXX. In XXXX, I received notice through my employer in XXXX that ECMC was garnishing my wages. ECMC knew where I was employed in XXXX yet had not tried to telephone me nor had I received a notice Prior To Wage Withholding. I disputed the garnishment immediately and believed that they were garnishing on an incorrect debt amount. I sent numerous letters requesting a hearing, disputing the garnishment, the rehabilitation and all the fees they had added onto the loan. ECMC denied my requests for a hearing and proceeded with the garnishment. I eventually learned that ECMC had rehabilitated my student loan without my consent. This is why ECMC stopped the ongoing payment arrangement and automatic payment I had made perfectly with them. We also learned that because I knew nothing of this new loan it was now in default and ECMC had added on new fees for that default, large fees for something I never authorized and after I was making perfect payments. What originated as a {$32000.00} XXXX Ive probably paid more than that already ) loan was then in XXXX {$190000.00}. I was told by ECMC there was nothing they could do to help me or about the fees. I searched everywhere I could trying to find some help and eventually found an Ombudsman from the Department of Education. With the help of the Ombudsman, ECMC agreed that some of the fees were not accurate. According to their accounting it should be {$140000.00}. This included fees in the amount of for the rehabilitation and new loan default I was completely unaware of and had not authorized. In XXXX ECMC noted that my balance should have been {$89.00}, XXXX. See page 2 of letter dated XX/XX/XXXX from ECMC, paragraph 3. The economy crashed, I was not paid by my employer at that time and therefore could not make a large payment on my student loan at that time. I have a large family with XXXX kids. ECMC did not offer to me an alternative to reduce my payments at that time. I of course went into default. Four years later, in XXXX, ECMC said your loan was repurchased by XXXX XXXX for {$180000.00}. Even according to ECMCs accounting, that is a different of {$90000.00} in fees in five years time for a defaulted loan when I was making perfect payments. ECMC did drop the balance and fees down when reviewed by the Dept of Education Ombudsman to {$130000.00}. See page two of letter date XX/XX/XXXX, paragraph five. That means, after an adjustment during review by the Department of Education Ombudsman, ECMC charged me a fee of {$42000.00} for their error in selling my loan to XXXX XXXX without my consent. The Ombudsman from the Department of Education said he couldnt help with review of the rehab issue because ECMC said that they had my signature on file for a rehabilitation that authorized them to allow XXXX XXXX to repurchase my loan even though I said that wasnt possible. I notified ECMC that I wanted the loan rehabilitation they completed without my consent to be honored since the one they did wasnt authorized. The request was left unanswered. I sent numerous requests to ECMCs legal team requesting a hearing to go over the disputed fees and my right for a loan rehabilitation. My requests for a hearing were denied and my last request received no response. On XX/XX/XXXX I learned from my employer that ECMC had given them an Order Of Withholding dated XX/XX/XXXX for {$260000.00}. No validation notice or itemization on how ECMC arrived at this new balance was provided to me. This was the first I had heard from ECMC for quite some time though they had my place of employment and work number. I immediately disputed the garnishment and requested a hearing. Notice was sent by fax of my request for hearing and dispute of the balance. ECMC confirmed receipt of my dispute on XX/XX/XXXX. I spoke with them numerous times and continue to do so. My wages were garnished a few days later and are still being garnished. I have received no response to my request for a hearing on the garnishment and dispute sent to ECMC on XX/XX/XXXX and confirmed as received by ECMC on XX/XX/XXXX as of todays date, XX/XX/XXXX. Since I became aware of ECMCs intent to garnish in XX/XX/XXXX, I have spoken to their representatives numerous times about the fees charged for a loan rehabilitation, sale to XXXX XXXX and default that I was not aware of at the time and did not authorize. I was told by ECMC these fees were added by the Department of Education and there was nothing they could do to reduce those fees. However, on XX/XX/XXXX when I spoke with the Department of Education I was told ECMC purchased the loan for $ XXXX XXXX dollars ( for $ XXXX loan debt ). There is a balance of {$0.00} with the Department of Education. I was also told by the Department of Education that all of the fees ECMC has said were coming from the Department of Education are actually coming from ECMC. I believe at the most my student loan balance should be is what it was prior to ECMCs error in rehabilitating my loan without my consent, selling it to XXXX XXXX and charging fees for default on a loan I did not authorize and was unaware of at the time. Even according to ECMCs accounting from letter dated XX/XX/XXXX that would have been {$89.00}, XXXX, not the $ {$260000.00} they are garnishing for at this time. I believe ECMC has shown me unfair and deceptive debt collection practices by : Converting my payment arrangement to loan rehab without my consent. Charging exorbitant fees on default loan I did not authorize Stopped payment arrangement without my consent Refused right to hearing on balance and fees Moving forward w/ garnishment I requested hearing on, disputed balance and was not verified. Failing to provide itemization on how ECMC arrived at {$260000.00} Garnishment on {$260000.00} which was not validated & was highly disputed Misleading by saying fees added on loan were from Department of Education I was paying on this loan regularly and want to pay on this loan but would like to be treated fairly, have the ability to REHABILITATE this loan like ECMC did without my consent, come to agreement on a balance that is fair and stop garnishment immediately due to the fact that the balance garnished was not validated. I believe ECMC has treated me unfairly and shown deceptive collection practices. Ive voiced my concern with them and have been told my only option is to complete a loan consolidation for the full amount of {$260000.00} and dont know what to do. This situation has caused my family undue stress and hardship and is affecting my ability to continue supporting my daughter so that she can stay in college. I don't know what to do. I hope you can help me.
10/20/2021	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	GA 30132	Web
XXXX is my original student loan servicer. XXXX sold my loans to the US Dept of Education and ECMC. XXXX, US Dept of Ed, & ECMC have all re-aged the accounts below. I sent original documents to XXXX showing my Repayment date and date of first delinquency ( a physical print out Account XXXX from the loan servicer, XXXX ). And, XXXX has rejected the evidence and refused to remove the re-aged accounts. US DEPT OF EDXXXX - ORIGINAL BALANCE {$2300.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX, ( per Navients original documentation ) -- account history shows no payment was ever made ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF EDXXXX - ORIGINAL BALANCE {$280.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF EDXXXX - ORIGINAL BALANCE {$3500.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF EDXXXX - ORIGINAL BALANCE {$1500.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF EDXXXX - ORIGINAL BALANCE $ XXXXAccount Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF EDXXXX - ORIGINAL BALANCE {$1700.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF EDXXXX - ORIGINAL BALANCE {$3500.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF EDXXXX - ORIGINAL BALANCE {$2000.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. XXXX XXXX OF XXXX - ORIGINAL BALANCE {$2000.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF EDXXXX - ORIGINAL BALANCE {$2900.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF EDXXXX - ORIGINAL BALANCE {$2800.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. Additionally- this account has a billing error therefore reflecting the wrong current balance. The Account Details document from XXXX ( that I am attaching ) shows that {$2800.00} is the principal balance yet the Loan Details document from XXXX shows that {$4000.00} was disbursed. I did not receive the additional {$1100.00}. I contacted XXXX about the error, XXXX directed me to the school for more info. XXXX University emailed me my XXXX XXXX which shows {$1100.00} was refunded to XXXX yet XXXX never credited the account to show that they received the funds. ( {$2.00} is not accounted for ) Billing errors are not the responsibility of the consumer and I deserve a 100 % accurate credit report. I sent the evidence to XXXX, why won't they remove this erroneous account from my credit report? ECMC - ( 2 ) Accounts ORIGINAL BALANCE {$4100.00} ORIGINAL BALANCE {$8700.00} ECMC continues to report that these accounts were opened on XX/XX/XXXX yet XXXX 's original documentation & ECMC 's own original documentation shows the accounts opened on XX/XX/XXXX. ECMC purchased the accounts on XX/XX/XXXX and is reporting that the accounts were opened on the purchase date ( XX/XX/XXXX ). The first date of delinquency which led to the charge-off occurred XX/XX/XXXX per XXXX records. All of this information has been supplied to XXXX ( original documents that were provided by ECMC and XXXX ) yet XXXX still reports these accounts as if they were just opened in XXXX. At the very latest, the accounts should have been removed on XX/XX/XXXX. ( 7 years + 180 days from the first date of delinquency ) Instead, XXXX has been reporting these accounts in delinquent status since XX/XX/XXXX. And, intends to keep reporting them until XX/XX/XXXX ( 11 years in total ). XXXX has also lied, stating on my XXXX report that these accounts were opened XX/XX/XXXX. How is that possible when the documents I am attaching show that they did not purchase the account until a year later in XX/XX/XXXX? How is ECMC reporting payment history to XXXX from XXXX? So many falsehoods are being perpetuated. Per the FCRA most negative credit information can remain on a credit report for 7.5 years ( 7 years + 180 days ) from the date of first delinquency ( XXXX ). The XXXX is the date the consumer first became 30 days late and no further payments were made on the account. This date can not be changed and is only established by the ORIGINALCREDITOR who charged-off the account. If the charged-off account is transferred or purchased by a collection agency, the FCRA Compliance date does not change. Why won't XXXX remove these re-aged accounts even after I have sent documents proving the accounts have been re-aged? What does XXXX gain by continuing to report these inaccuracies on my credit report?
04/26/2018	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	VA 24551	Web
On XX/XX/XXXX I was notified by XXXX XXXX XXXX XXXX XXXX, XXXX that my XXXX XXXX serviced by XXXX XXXX was sent to collections. It stated that I owed : Total Principle- {$8900.00} ; Total Interest on Principle- {$1500.00} ; Total Collection Fees- {$2900.00} ; Total Balance Due : {$13000.00} ( See Appendix A : XXXXInfo_Redacted ). I have been in correspondence with 1 ) XXXX XXXX and 2 ) XXXX XXXX XXXX XXXX XXXX, XXXX. On XX/XX/XXXX I called XXXX XXXX of XXXX XXXX, XXXX to pay off amount remaining {$2400.00} on my loan in collections. Spoke to XXXX ( XXXX XXXX XXXX XXXX XXXX ) first. The second person who verified a pay-off payment in the amount listed above was XXXX. On XX/XX/XXXX, I contacted XXXX XXXX via phone call. I spoke to a female who confirmed a payment of {$210.00} was last received on the account. She said once paid in full payment has been received the borrower and co-signer will receive a Letter of Satisfaction 30 days after payment from XXXX XXXX and she confirmed that the pay off payment should be made through XXXX XXXX XXXX XXXX XXXX, XXXX. On XX/XX/XXXX, I contacted XXXX XXXX via XXXX Contact Form Request on webpage. Requested a letter of satisfaction to be mailed regarding the account status to verify loan has been completely paid off. XXXX ( XXXX Customer Service Representative ) responded saying the request can not be met, because the loan was not in my name. Evidently, she entered my note/loan number as my account number and it showed me not as the borrow or the co-signer ( See Appendix B : XXXX Contact Form Request ). On XX/XX/XXXX I contacted XXXX XXXX via phone call. Spoke to XXXX to ask why my request can not be met and why I was not listed as a borrow. XXXX confirmed that my account number is different than loan number. She alerted me that there is {$710.00} principle left on the loan amount and that a Letter of Satisfaction can not be mailed, because the account is not paid off. However, when I log into the XXXX website I can not find out loan detail, current balance, due date, or status ( See Appendix C : HomeScreen XXXX XXXX Online Acct ). XXXX placed a review on the loan on XX/XX/XXXX. She stated it would take 3-5 business days for her to contact me via phone regarding this loan. Also, I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to confirm the loan has been paid off and out of collection. XXXX confirmed the account has been closed and has been paid off. She said her supervisor said to call XXXX XXXX XXXX XXXX for a 'Letter of Satisfaction '. When looking for a number for XXXX, I was unable to find a number. XXXX XXXX XXXX XXXX is linked to XXXX ( See Appendix D : XXXX Privacy Notice ). XXXX has a phone number linking to XXXX. When I called XXXX in the past, they have provided me with a letter stating that I do not have a loan with them ; they only deal with federal loans and this is private loan ( See Appendix E : Educational Credit Management Corporation Letter ). In reviewing prior paperwork I noticed that I received a letter dated XX/XX/XXXX from XXXX stating that XXXX XXXX XXXX XXXX ( XXXX ), is transitioning your existing XXXX XXXX Locan to XXXX XXXX. ( See Appendix J : Appendix J-XXXX XXXX to XXXX XXXX ( XX/XX/XXXX ) ). Furthermore, on a letter dated XX/XX/XXXX I received from XXXX XXXX stating that XXXX XXXX XXXX XXXX ( XXXX ) has made the decision to transition the servicing of your XXXX loan to XXXX XXXX ( See Appendix K-XXXX XXXX to XXXX XXXX ( XX/XX/XXXX ) ). On XX/XX/XXXX, I was able to download payments received by XXXX XXXX. I printed a pdf of the payment history XX/XX/XXXX and exported to an XXXX file. File shows that XX/XX/XXXX has been altered from the original time I download XX/XX/XXXX through XX/XX/XXXX. There is a payment processing error, it appears, in XXXX XXXX 's payment history ( See Appendix F1 : XXXX Payment History ). On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX/XXXX. He said that the principle amount is {$710.00}. The payoff ( as of this day- it continues to grow interest daily ) is {$710.00}. I asked about the payment that was reversed ( See Appendix F1 : XXXX Payment History ) and he said it appears that payments had issues in XX/XX/XXXX. The conversation was 30 min long. I alerted him that the call was being recorded. He forwarded the loan to a Leadership Review. He was inquiring about 1 ) The payment issue in XX/XX/XXXX 2 ) Why XXXX XXXX says I have paid off the collection account but yet XXXX still has {$710.00} on the account and 3 ) What was the original amount that was sent to XXXX to collect on ( See Appendix A : XXXXInfo_Redacted ). He said he would follow up with me on Wednesday, XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX at XXXX XXXX and spoke with XXXX. I advised her that I had not received a follow-up phone call from XXXX as stated per phone conversation with him on XX/XX/XXXX. I asked is the account under a Leadership Review like XXXX had said. She alerted me the request was made for a leadership review. She could not provide me any outcome of the review. I asked what I could say when I call XXXX XXXX and she said that I needed to say XXXX XXXX has not submitted documentation that the accounted is closed and paid off. They have not sent a payment confirmation. XXXX requested for leadership to contact XXXX regarding the account. She said should would follow-up with me by calling me during business hours on Friday XXXX. On XX/XX/XXXX, I also called XXXX XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX and spoke with XXXX ( pronounced XXXX ). I first asked if there was a balance on the account. She said No balance on the account. I said that XXXX XXXX, the loan servicer, is saying that XXXX XXXX has not submitted documentation that the accounted is closed and paid off. They have not sent a payment confirmation. May I please request that documentation be sent to XXXX XXXX regarding this account. XXXX spoke with her manager and advised me to contact XXXX XXXX XXXX XXXX ( XXXX ). I told her that my XXXX XXXX XXXX XXXX XXXX ( XXXX ) loan is now being serviced by XXXX and XXXX XXXX is the company that needs the payment confirmation from XXXX. She told me she would speak with the client relations department on XX/XX/XXXX regarding the servicer XXXX XXXX and I should call her back XXXX to XXXX on XX/XX/XXXX. She is unable to call me, because the debt collection account is closed. I am not waiting any longer to report this. XXXX XXXX XXXX XXXX XXXX, XXXX. says my debt collection account has been paid off, but they have not provided me anything in writing. All I have is my bank statements and an audio recording, along with the confirmation number. XXXX XXXX is claiming I owe a principle amount of {$710.00} even though I have paid a total of {$13000.00} out of my bank account to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX continues to claim they will call me back with follow-up phone calls on the requests made, but no one ends up calling me. I do not owe an additional {$710.00}.
02/08/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30291	Web	Servicemember
Document Date : XX/XX/2023, Collector : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account : XXXX ACCT # XXXX To Whom It May Concern, This letter is being sent to you in response to notices sent to me from your company. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : XXXX ) Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; XXXX ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; XXXX ) Please provide proof when the original creditor claims this debt became due and when it became delinquent ; XXXX ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and Collector, bearing Consumer wet-ink signature ; XXXX ) Please provide a copy of the last billing statement sent to Consumer by the original creditor ; XXXX ) Please provide late payment notice and/or account closing notice provided by the original creditor ; XXXX ) Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above-alleged account ; XXXX ) Please provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; XXXX ) Please provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records ; XXXX ) Please provide the account and general ledger statement showing the full accounting of alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules ; XXXX ) Please provide verification and/or copy of any judgment if applicable ; XXXX ) Please provide proof of any interest, fees or other charges expressly authorized by the agreement; XXXX ) Please provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of Collector ; XXXX ) Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; XXXX ) Please provide a Statute of Limitations expressly authorized by the agreement; XXXX ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act. At this time, I also inform you that reporting invalidated information to major credit bureaus ( XXXX, XXXX, XXXX or any third party ) might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Also, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Violation of the Consumer Collection Practices Act in my State ; Defamation of Character. If your offices can provide proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for the suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from your firm records and my credit report if reported and a copy of such deletion ( to any/all of the major credit reporting bureaus : XXXX, XXXX, XXXX or third party ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX XXXX XXXX XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company. This is an attempt to correct your records, any information obtained shall be used for that purpose. I am waiting for your immediate action to my requests. Best Regards, XXXX XXXX To : U.S. Securities and Exchange Commission Office of Investor Education and Advocacy XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Tracking # To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Tracking # To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tracking # To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking # To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking # To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking # To : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking #
07/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ECMC bal. $ {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
10/17/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	PA 191XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ECMC bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
08/19/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	PA 19460	Web
• School Loan servicer XXXX defaulted my loans while I was paying on them• XXXX never informed even though they continued to take my payments• XXXX sent (so they said) a default notice to an address I had not been at in over 5 years• XXXX sent correspondences within those 5 years to my current address but sends this very important notice to an old address.• I had already had a claim in with Attn Gen on them because they pulled a bait and switch on me with a forbearance request that automatically excluded me from loan payment reduction programs and did not disclose.• I believe they sold my loans because of the claim. The consumer affairs office said the claim needed to be resent with the new information to the original issue. I did that.• ECMC was the new loan company and before I even knew they had my loans or what happened they tacked on XXXX in collection fees. I have been paying on these loans for almost 10 years, the interest was taken first and my original amount of XXXX was only down to XXXX principle. Now, after collection costs it is XXXX.• ECMC reached out to me at work and said I needed to immediately pay them etc. and that is when I found out what happened. From XX/XX/XXXX when XXXX sold the loans to XX/XX/XXXX had no idea, was still just paying my loans.• I reached out to a lawyer – he asked me to have ECMC send all documentation via certified mail of everything they had done without my knowledge since the bought the loans.• XX/XX/XXXX I get the packet, except that they already sent a notice of wage garnishment out, to the same address XXXX used, however they never included a copy in that packet. My company never received notice either.• When my company found out by notice of penalty for non-compliance, they contacted me. I had no clue and neither did they. I called ECMC immediately and they had me send in a request for a hearing but said it was probably too late.• I sent the letter immediately but they still garnished my wages taking the max amount which over the next two months fighting them almost made me homeless.• I finally got the Ombudsman involved but they just gave me the run around. I have all documentation. They side-stepped the fact that they never included the garnishment notice and in the end stood behind the Dept of Ed code as a response.• I called the lawyer that was working with me but he dropped off the earth.• The Consumer Affairs woman handling the XXXX case said that my case would be part of the class action. So I went back to the board restating my loan should have never been in default so they let me appeal the decision, but that was denied.• In XX/XX/XXXX, after speaking to another Ombudsman, she advised taking the default and going through the rehab program as it would be the only way to stop the garnishment which had left me broke and unable to pay rent or care for my sick mother.• I set up the rehab as I was left no choice. I tried a few lawyers in the plan and none of them handle these types of cases.• I completed the rehab program XX/XX/XXXX. This was by contract supposed to stop future garnishment, resolve the default and restore my credit. As of today it sits unresolved and they added more collection fees (not in the contract) as well as three more loans that are not mine.• I immediately called dept of ed, they confirm I only had the 5 loans, but ECMC has not removed them nor the default status.• I asked about what is next so I do not miss a payment and get garnished again, no response.• I went back to the rehab specialist with the signed contract about the 5 loans included and the payment amount that was a direct withdrawal from my bank account, but they were still taking money from my paycheck also not in the contract.• Finally the financial statement with the new fees added has put the account, which I have paid over 3k on back up to XXXX. I wrote to them citing the documentation from the rehab and the Dept of Ed. But have not heard anything. They are financially robbing me and there seems to be no recourse for their actions. I cannot go through another wage garnishment. They lied and never informed me, I had no opportunity to have a hearing and they knew it. Even my payroll department hear backs that up and I have seen complaints online that others had the same experience. I was paying on my loans at the time they garnished me and they are not supposed to do that unless they counseled me on the amount and tried to handle it that way per one of their own Reps. I also know the people at my old address and they confirmed they never received that notice nor a certified letter and they would have brought it to me as they often bring me my mail. This company is a complete Fraud.Today, I just found out by logging in the ECMC website they have sold my loans BACK to XXXX and added on XXXX in fees.. How can they do that? I have a claim against XXXX and it is because of them this all started. I also do not understand how this is legal and I have received no information from either company. I almost feel this is retaliatory for putting a claim against them. I do not even know what recourse I have and I have no paperwork or anything other than the loans listed in the website to understand. It just say’s contact the new provider (XXXX) for information. I know with ECMC they started a wage garnishment right away so I have to contact XXXX.These two companies are committing Fraud and need to be investigated. They are robbing people blind with bad business practices and countless additional fees and costs.
10/18/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23323	Web
Back in XXXX, my wife and I went back to school while living in XXXX. Applying for financial aid, PHEAA provided services and secured our funding originally. We investigated our records, and this is what we found : Husband : FFELP Stafford Unsubsidized from XXXX XXXX XXXX XXXX XXXX XXXX for {$870.00} FFELP Stafford Subsidized from XXXX XXXX XXXX XXXX XXXX XXXX for {$2600.00} Wife : FFELP Stafford Unsubsidized from XXXX XXXX, XXXX for {$4000.00} FFELP Stafford Subsidized from XXXX XXXX, XXXX for {$1200.00} After school ended and we started preparing for repayment, we had family issues and entered forbearances and deferments. We moved to XXXX to make a better life as I took a XXXX XXXX career. While this happened, our loans were serviced by PHEAA, XXXX XXXX, and XXXX. We made payments on these loans but can not find records from the original loans in our files, nor can we find them by contacting the providers. XXXX explained to XXXX that it would be better for us to consolidate all our loans into one. In XXXX, when asking for help they convinced us to consolidate. XXXX entered us into a spousal consolidation loan. It was explained to us that it would be easier to manage one student loan payment instead of 4. Trusting them, we entered this. Our loan was then sent to XXXX for {$12000.00}. We made numerous payments to XXXX, all the while under the understanding that we were paying off a student loan. In XXXX we had to file bankruptcy after making 10 successful payments. We filed a chapter XXXX, and XXXX transferred the debt to ECMC, who filed a claim in the plan for {$12000.00}. ( after successful payments the balance is HIGHER ). ECMC accepted payments in the plan. When we were discharged, ECMC transferred to debt BACK to XXXX for {$13000.00} which is over {$1400.00} HIGHER than the claim that went into the plan. It is not fair that XXXX transfers debt to another company during the bankruptcy only to take it back afterwards at a HIGHER rate, and having a company accept payments in a plan they submitted a claim for! We began to make payments again. A combination of going back to school, family issues, loss of wifes income from XXXX through XXXX, and an obvious unclear understanding of what we owed had us filing another chapter XXXX in XXXX. Again, a claim was filed in the plan. Again, ECMC took the debt from XXXX. Again, they accepted payments in this plan. Again, it was successfully discharged from the court. AGAIN, ECMC transferred the debt BACK to XXXX after filing a claim and accepting payments in a second chapter XXXX. ONLY THIS time, the balance entered in the plan in XX/XX/XXXX was {$15000.00}, although the balance transferred TO ECMC months before was only {$12000.00}. In XXXX of XXXX, after a second successful discharge, ECMC transferred this debt BACK to XXXX, and the amount was {$17000.00}. So, in summary, to this point, we had separate loans, got convinced into consolidating by XXXX, wife stopped working, I made payments as best as possible, and it went IN and OUT of TWO Chapter XXXX proceedings, but entered as ECMC from XXXX, only to be transferred back. We continued making payments to the best of our ability in XXXX, XXXX, and XXXX. We asked about federal suspension of payments due to COVID, and they tell us we are NOT in a federal student loan, but in a commercially owned spousal consolidation loan. I immediately asked if this is the case, why was the debt not discharged? They refused to answer, only told us we were behind on payments. This is obviously a loophole in the system they are banking on. Applying as a federal student loan to navigate to their advantage, then relying on the status as a commercially owned spousal consolidation loan to also navigate to their advantage. Now, we are getting notices from BOTH ECMC AND XXXX. TWO separate debts from ONE line of credit???? HOW!!!!!!! This has also destroyed our credit that we worked so very hard to rebuild. We climbed out of the bad standing, had scores at or over 700, and are now sunk again. Now, making things worse, my wife is suffering from XXXX XXXX-XXXX XXXX XXXX from a work-related exposure. Not ONLY is her employer refusing to help her, but she has been out of work since XXXX of XXXX. We have lost her income and incurred ALL her medical care debt since her employer will not help. I don't understand how student loans totaling {$8700.00} for the two of us back in XXXX are now totaling OVER {$19000.00}!!!! Over these years we have qualified for forbearances and deferments. These years also have us making numerous payments that we can not find anywhere on our balances. Where have our payments gone? And why does it show we owe so much for me only took out {$6000.00}.
08/22/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 93534	Web
This is to inform CFPB that this dispute is referred to ECMC. XXXX XXXXXXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX and XXXX XXXX. those government facilities Has me prisoner to a contract and a promissory note keeping me Fraudulently. This is how inaccurately those companies Has misleading importing documentation. Please read the file provided on this dispute I am requiring a deep investigation to the companies I have mentioned above. this is not my first dispute. and can not come to an agreement with XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. for the past two years since XXXX was in trouble with the law, my intelligence has been insulted and not provided with the right documentation. since this school XXXX XXXX committed fraud. there is a long history started in XXXX. I have provided this information Collected And research. Please read carefully the documentation provided on this dispute. And just to inform XXXX XXXX and the XXXX XXXX XXXX XXXX. Since this was investigated in the past, I am going to write a deep letter to XXXX XXXX since she during the years of XXXX put into law XXXX XXXX. And just to mention XXXX XXXX. This student loan is paid in full there is no reason for me since XXXX carry this loan on my back unfairly. Call the number showing on this note of disclosure statement and you will find that the information given by the California XXXX XXXX XXXX. points to ECMC to my knowledge anyone who. 20 U.S. Code 1075 - Limitations on individual federally insured loans and on Federal loan insurance U.S. Code ( a ) Notice to Secretary and payment of loss Upon default by the student borrower on any loan covered by Federal loan insurance pursuant to this part, and prior to the commencement of suit or other enforcement proceedings upon security for that loan, the insurance beneficiary shall promptly notify the Secretary, and the Secretary shall if requested ( at that time or after further collection efforts ) by the beneficiary, or may on the Secretarys own motion, if the insurance is still in effect, pay to the beneficiary the amount of the loss sustained by the insured upon that loan as soon as that amount has been determined. The amount of the loss on any loan shall, for the purposes of this subsection and subsection ( b ), be deemed to be an amount equal to the unpaid balance of the principal amount and accrued interest, including interest accruing from the date of submission of a valid default claim ( as determined by the Secretary ) to the date on which payment is authorized by the Secretary, reduced to the extent required by section 1075 ( b ) of this title. Such beneficiary shall be required to meet the standards of due diligence in the collection of the loan and shall be required to submit proof that the institution was contacted and other reasonable attempts were made to locate the borrower ( when the location of the borrower is unknown ) and proof that contact was made with the borrower ( when the location is known ). The Secretary shall make the determination required to carry out the provisions of this section not later than 90 days after the notification by the insurance beneficiary and shall make payment in full on the amount of the beneficiarys loss pending completion of the due diligence investigation. ( b ) Effect of payment of loss Upon payment of the amount of the loss pursuant to subsection ( a ), the United States shall be subrogated for all of the rights of the holder of the obligation upon the insured loan and shall be entitled to an assignment of the note or other evidence of the insured loan by the insurance beneficiary. If the net recovery made by the Secretary on a loan after deduction of the cost of that recovery ( including reasonable administrative costs and collection costs, to the extent set forth in regulations issued by the Secretary ) exceeds the amount of the loss, the excess shall be paid over to the insured. The Secretary may, in attempting to make recovery on such loans, contract with private business concerns, State student loan insurance agencies, or State guaranty agencies, for payment for services rendered by such concerns or agencies in assisting the Secretary in making such recovery. Any contract under this subsection entered into by the Secretary shall provide that attempts to make recovery on such loans shall be fair and reasonable, and do not involve harassment, intimidation, false or misleading representations, or unnecessary communications concerning the existence of any such loan to persons other than the student borrower.
07/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43206	Web	Servicemember
I responded to a commercial for XXXX XXXX who claimed they were an accredited college. Then XXXX XXXX called me, and told me that the classes were {$300.00} per credit and the 2-year program was only {$6400.00} in total. Because I originally wanted to get my XXXX XXXX. So, I went to XXXX XXXX online college in XXXX of XXXX because there was a long waiting list for the Nursing program. So, they offered Business Science Management and said I can use the license to be administrator over Nursing homes, or do my own senior care business. So, I took the classes. I started my 1st class in XXXX. Then took two more classes around XXXX. I got a bill for {$9000.00} so I immediately called and inquired about it with XXXX XXXX an advisor, her response was it was a clerical error and continue taking your next two classes and they will fix it. While taking the next two classes they called me in XXXX of XXXX and said that it was illegal to electronically sign promissory note in the state of Ohio. So, I need to physically sign the promissory note. So, I did because I did attend their college. After completing 5 classes In XXXX of XXXX I dropped the next classes because not only did they not fix the error on the loan they borrowed {$6500.00} more.and I was getting ready to move in XX/XX/XXXX and could not rent an apartment because they ruined my credit with that loan and did not report payments they received it was not even the correct amount. My loan should have been for {$1500.00} for classes and {$880.00}. for the XXXX XXXX. Which adds up to {$2300.00}. I stopped dealing with the college all together because I was in a homeless situation with my 4-year-old daughter at that time. So, I did what XXXX XXXX advised and put it in deferment and continued to ask them to fix the error. So, of chores I had to establish our stability 1st then deal with this issue. I contacted multiple people about this issue and was ran around for over 10 years. I had the amount that was owed for college in XXXX and was advised by an attorney not to pay anything until they fix the error and dont sign anymore forbearance letters. I would have paid it off back then but they refused to fix the amount owed. They knew I did not take 10 classes but kept saying I did. I have proof they charged me for 10 classes and they cant explain the other charges when I only took 5 classes. I am completely tired of submitting paperwork to people and they dont read it. I guess I got to highlight the facts in their own paperwork. Its been a nightmare to the point I dont ever want nobody 's family to deal with these people ever. Everyone I have sent this paper work ignored the facts and sided with them without reading the documents and that is appalling to me because it is the Federal Ombudsmans job to review documents and no one could possibly read the ledger or the documents they sent or I sent which are the exact same documents. So, to add insult to energy 5 years after telling the Ombudsman and the attorney general XXXX gets sued and closed down, and the Department of Education is still coming after me for a debt that I never agreed for them to borrow in my name. I have lost all faith in the United States Government with this because it is a shame that people that got degrees and work for the state and the federal government dont read. I faxed these documents to 2 Ombudsman XXXX XXXX and XXXX XXXX. They never responed back. I even contacted the Attorney General 's office ( XXXX XXXX at the time ), and he told me to get an Attorney. Which you will receive everything I have with the underlined proof and circled proof that they double borrowed without my consent. As well they refused to fix it. And I did not receive my 2 years worth of classes that I was double charged for .... So, I refused to pay anything until they corrected that error department of education wants me to pay for a college education that I did not receive and will never receive and pay double for it. ( My personal thoughts ) Will the victim of a fraud always be forced to pay for scammers Scams? How I was affected blocked from going back to a legit college paying more for bad credit and blocked from getting a job worth having as well as being denied to the pursuit of happiness.
05/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 47715	Web
I received a notice of a tax levy against me regarding unpaid Indiana State taxes ... the amount was right under a XXXX. I started attempting to contact XXXX XXXX for almost 3 weeks, calling the number listed on the letters from them, never getting a live rep, only a voice mail stating they would call me back ... after numerous messages and no return calls from anyone ... I finally made contact on Thursday XX/XX/XXXX. I spoke with XXXX..verified the amount and told her that I had a family member willing to put this on their credit card on that day if they could assure me that the garnishment would not take place and that they would notify my payroll dept right away. She assured me that if I paid that no money would be garnished out of my next pay on XX/XX/XXXX. I gave her permission to speak to my Mom, and I would have her call XXXX back later that afternoon. XXXX suggested she would call me back around XXXX and we could conference in my mom to get the debt paid. XXXX never called me back ... I actually took off work that afternoon and drove to my mom 's which is an hour and a half away from where I live and waited till XXXX and never received that call..Of course I tried numerous time to call XXXX back that day but would only get the general voicemail again. On Friday XX/XX/XXXX my mom finally got through and spoke to XXXX and again verified with her that no funds would be taken from my upcoming check on XX/XX/XXXX ... XXXX again promised and assured my mom that if she paid the balance in full on that day, no funds would be drafted from my pay. XXXX put her supervisor on the phone, ( not sure what her name was, my mom did not remember ) and the supervisor confirmed the same thing that XXXX has been saying .... WELL, of course on XX/XX/XXXX XXXX was drafted from my account as a tax levy .... THIS COMPANY FAILED TO FOLLOW THROUGH, Which put me now in a financial hardship with my other bills and obligations ... .. I called on XX/XX/XXXX and got ahold of a customer service rep, from a different number from their website, and demanded she not put me through to that voicemail and that I needed to speak with a live person .... I spoke to some guy, and I do not remember his name but he was very professional and polite ... transferred me over to a very rude lady claiming to be a supervisor., think her name was XXXX or XXXX. I explain to her what happen and she said well XXXX would have never promised that .... Which of course XXXX me off right away ... I told her her disclosures state all calls are monitored so I wanted her to pull the call and hear for herself. She very rudely told me that they put a notice in general mail to my payroll dept ... Advised her XXXX advised otherwise, and she assured my mom that she would fax over confirmation that the debt was paid to my wife 's email, provided to XXXX by my mom..Which was never done, Again did not follow through ... .I explain to XXXX, that I work for a very large financial institute and my sole job is dealing with complaints ... .I review and root cause every complaint that comes through, via customer, social media, XXXX, attorney general, and CFPB, and that I would be filing a complaint about this ... .She did not care and offered no solution or apology for their incompetence. She told me to file a complaint ... did not care .... I ended up hanging up on her because I deal with a lot of financial supervisors, managers, directors and CEO 's and was just blown away of the lack of professional help this place offers .... I understand this is a collection agency, but I paid the debt in full, with the understanding and assurance that they would follow through on their promises ... I did call back later that day with my mom conference in on the line and spoke to a different supervisor that was a little more professional and at least addressed the issues and apologized, and said that unfortunately once they get the funds they would send it back to my payroll dept ... Well it is XX/XX/XXXX and those funds still have not been returned to me ...
05/06/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30294	Web	Older American
Two years ago there was a Corporation that popped up on my purported credit report called ECMC, saying that I owed them a student loan that has grown since then. Now mind you this is about the same time XXXX, along with XXXX XXXX had many accounts just cropping up without merit. 15USC1692e ( 12 ). I asked this dead paper pushing Corporation to identify themselves, they stated that they are the grantor of this loan how is this possible when I have no knowledge of these crooks or why they have appeared out of nowhere saying that I signed a promissory note along with a copy and I owe them money. This is mail fraud. I do not have loan level documentation, where these wet ink signatures are and the CFPB, has stated on more than one occasion that without this there is no such thing it is just a fictitious account that a fictitious dead legal structure trying to dupe the people once again. My questions are who provided my private information to these people so they can pretend I owe them, where has the loan level documentation gone? Did the Consumer indeed sign over to this Corporation power of attorney? Was the Consumers information traded on the stock market, have there been some other forms of EFTs sent to this Corporation and why? Who is the holder in due course of this purported debt which the Consumer has paperwork saying that this loan is now due. Due who? Who besides the Consumer can call a loan due? Full disclosure is what needs to be had. Was this a credit sale, and where is the wet ink signature of this purported loan from ECMC? Where are all of the assets and all of the accompanying loan level documentation saying the Consumer has an obligation to XXXX XXXX and ECMC? This purported loan was for personal family and household so how can the nontaxable Consumer owe anybody anything? Was the Consumers ssn account have a lien on it for these purported loans and why, where is the account held? Was it indeed XXXX XXXX who have the account and how much does it have in it? Was there an unauthorized wire transfer of funds from the Consumers ssn account to these paper dead legal structures and why? This pursuant to 15USC1592e is being done. Was this account taken to Wall Street and traded with Dun and Bradstreet unknown numbers? Was power of attorney given to this paper pushing Corporation by the Consumer through some deceptive paperwork? 15USC1692Why is this Corporation interacting with the living while they are just paper fiction? Why is this Corporation taking my Social Security by the way through unauthorized electronic funds transfer? Where do these funds go and why? My signature funded this transaction and show that it did not and put all of my money back into the Account right away. Send settlement of account paperwork. This account number needs to show which bank has it and how much is in the account and when can the Consumer pay this out again and obtain cancellation of debt paperwork. XXXX v. UNITED STATES prohibited the use of corporations by all governments representing the American Republic. All laws created by these government corporations are private corporate regulations called public law, statutes, codes and ordinances to conceal their true nature. XXXX XXXX XXXX v. United States says that when private commercial paper is used by corporate government, then government loses its sovereignty status and becomes no different than a mere private corporation. And further, the government must be willing to enter the contract or commercial agreement into evidence before trying to get the court to enforce its demands, called statutes. See the XXXX XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX. This talks about the government becoming a corporator. The Consumer did not do a commercial transaction but who called the loan due only the Consumer can do that not a Corporation. If so show who did this without the Consumers Consent. This is elder abuse as well as abuse pursuant to FDCPA 15UDC1692d.
07/25/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	CA 92081	Web
I started a Rehabilitation Payment Plan with ECMC in XXXX of XXXX with my first payment being due XXXX XXXX, XXXX. After I started making my payment I continued to receive default notices via email from ECMC to which I would reply informing them that I have been on a Rehabitation payment plan since XXXX XXXX. I did not receive a response to my email. In XXXX of XXXX I received the same default notice from ECMC via mail so I call ECMC and spoke to XXXX reps. I informed the rep that i 'm calling in response to a default notice that I received in the mail and I explain that i 'm currently on a rehab payment plan and have been paying since XXXX XXXX. The rep checks my account and assures me that my account status is current and everything is okay. I stress that I want to make sure there isnt anything wrong because i 'm trying to make good on my student loans so he transfer me to another agent. The XXXX agent also checks my account and assures me that my account is okay and that I probably got the default notice in error. I ask her to please note my account to reflect that I have contacted their office. Even after my email communications and contact via telephone I still continued to receive the same notice via email to which I responded explaining that I am already on a rehab payment plan and I also contacted ECMC who assured me everything is okay, Still I dont receive a response. I assumed it must be a mistake because I 'm not getting any response or cummication from ECMC office. Then in XXXX XXXX I receive a notice again informing me that I am in default and I also receive phone message from an ECMC rep saying that im in default and that he can help me. I call back and speak to a rep and I explain again that I have been on a rehab plan since XXXX XXXX and that I would prefer that he sends me an email detailing exactly what the issue is because i 'm confused as to what is going on. The only response I was getting is that i 'm in default and that he will explain when we speak over the phone. So I call ECMC and speak to a XXXX XXXX who tells me that i 'm in default but that he can help me. I explain again to him that I have been on a rehab plan since XXXX XXXX and that I have contacted his office via email and telephone in XXXX XXXX and was told that my account was good and that I probably got the notice in error. I also told him that I continued to receive the same default notice via email thereafter. He said you are not on a rehab plan but we can help you. I told how is that possible I have an agreement and I have been receive monthly billing for that agreed to amount that I have been paying on time. He then said that I dont have an agreement but he can help me to setup a rehab plan. I told him I just made my XXXX ontime payment and I dont understand what happened. I told him I emailed and contacted his office and was told otherwise. I asked so what about my agreement and payments that i have already paid. He said it doesnt count because I dont have an agreement. I asked to speak to his manager because this is not right. He transferred me to a manager, XXXX, who said the same thing as XXXX and that he understands my unique situation but the only thing he can do for me is recommend to the Dept of Ed that I receive credit for payments that I already made. He also said that he cant guarantee anything but that the only thing he could do was have XXXX setup a rehab plan for me. I told him i dont think that his office 's mistake should be my fault. I asked who else can I talk to so I can straighten out my situation because this is not fair business practice. He said I would have to call the Dept of Ed because they are the only ones that can do anything about my account. I had to choice but to agree to setup another rehab payment plan that started XXXX XXXX because I would have neg consequences.
12/22/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	UT 84403	Web
Please refer to Case number : XXXX, XX/XX/XXXX. I submitted this response to ECMC 's response, and I got no response. I called CFPB and was informed that the company does n't get a copy of my response, I have to submit another complaint, with the response. So, here is the response, the original complaint, Case number : XXXX, XX/XX/XXXX, is below that. ECMC 's response will be in one of the attachments. 1. This complaint will not be resolved until there is a settled payment plan. I called the XXXX on ECMC 's response and I entered " 1 '' for XXXX, and " XXXX '' to enter my account number, and the system hung up on me. I tried this several times, during business hours. I need a real human to talk to get all the payment options ( especially, " Settle in Full '' ). Can CFPB assist in getting ECMC to give me payment options, please? 2. My attorney never received a copy of the Dept of Education letter ( which was n't even on government letterhead ) even though everyone was aware I have an attorney, as he was the one who requested the hearing. Again, the request for hearing is mostly to dispute ECMC 's unscrupulous credit practices dealing with me, the customer, and dispute all of the additional charges which resulted during the time they refused to correspond with my attorney. 3. I would like to see the similar complaint and response filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, case # XXXX. I do not have access to this. 4. I have an additional collections company now chasing me for my student loans. Please see attachment from XXXX. Who are these people and why do I have multiple companies chasing me for student loans? They seem to have gotten a payment for an amount similar to what was taken from my Federal Tax refund ( also attached ). Original Case number : XXXX, XX/XX/XXXX, Complaint : I paid on my student loans consistently from XXXX. I had to stop due to a family crisis and business failure that eventually led me to file bankruptcy in XX/XX/XXXX. The case closed in XX/XX/XXXX and the majority of my debt discharged. I immediately had my attorney contact the third party student loan collector on XX/XX/XXXX. Rather than communicate with my legal counsel, they sent a form for my attorney to fill out authorizing them to talk to him. This is despite the fact, he had an authorization attached to the original letter. He sent the " Authorization to Disclose '' provided by ECMC. The authorization was lost. ECMC would not even communicate with my attorney for over a year. They denied getting the " Authorization '' and another was sent on XX/XX/XXXX. Once the authorization was finally acknowledged, my attorney requested a hearing, but the hearing request was ignored. My attorney asked for an accounting and for all the documentation held by ECMC. On XX/XX/XXXX, we received a letter explaining that they did not have any information on my prior payment history and the only information they were able to provide was a copy of the original promissory note from XXXX. I still have not received any accounting for all of the payments I made and the net result is I have student loans that exceed the original amount, even though I paid on them for seven years. In addition, I am being penalized for hiring legal counsel, since much of the recent delay has been by ECMC 's lack of communication with my legal counsel and the denial of his request for a hearing. My tax refund for XXXX was seized by ECMC. Their sole objective seemed to be to add the collection costs of 24.34 % on to my student loans. I have no problem paying my obligations, but I 've unnecessarily been placed in default and collections, when simply working with my attorney after my bankruptcy an appropriate repayment plan could have been reached. Now the defaulted loan is impacting my security clearance.
03/19/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	CA 907XX	Web
On XXXX XXXX, XXXX I submitted documentation to ECMC, in accordance with their internal policy and the XXXX protocol, requesting student loan discharge due to false certification and id theft. I included a letter of material fact - examining the nature of my dispute and the history of my forced compliance with ECMC, multiple certifications of my signature ( including my government issued identification and social security card ) along with my police report citing the XXXX fraudulent accounts ECMC currently holds under my name and social security number. Still, ECMC has continued to insist I have not fulfilled the requirements of discharge because I have not submitted a " court judgment '' indicating I am the victim of fraud. Herein lies the problem. No person has been arrested or prosecuted for the illicit activities arising from my personal information having been compromised. I have fortunately not been wrongly charged for a crime due to the illegal usage of my personal information. XXXX of these conditions must be applicable in order for me to petition for a " court verdict '' or submit a request for certificate of identity theft judicial finding of factual innocence. Until XXXX of those conditions is satisfied, I can not provide a copy of any court judgment. This, however, does not nullify my claim or disqualify me from submitting other means of proof ( which I have ) to have the fraudulent loans discharged. According to Federal Regulation 34 CFR 682.402 ( e ) ( 14 ) ( ii ) ( A ) and ( B ) I am entitled to submit " authentic signature specimens and other means of identification corresponding to the means of identification falsely used to obtain the loan '' to qualify for loan discharge due to identity theft in lieu of a court judgment. Not only have I filed a report with the Federal Trade Commission, my local police department the ECMC Ombudsman, the XXXX Ombudsman and contacted the XXXX credit bureaus, I have ( barring the impossibility of a court verdict ) followed ECMC 's instructions precisely. It is an act of willful non-compliance that ECMC has not abided by the XXXX regulations and discharged these fraudulently obtained loans. I formally request that ECMC close these XXXX accounts, remove them from my credit reports and provide restitution of the {$9400.00} taken from me. Remuneration can not restore the years of damage done to my credit, nor retrieve the expenditure of time lost in arguing my case with the loan guarantor and originator, nor mitigate the stress, but the monies rightfully belong to me and should be returned. The following is an excerpt from XXXX of the letters I submitted to ECMC : In XXXX, after being notified by my employer that my wages were to be garnished for student loans I never applied for, from colleges I never attended, I called the guarantor of the loans and spoke with a representative that offered no alternative but a repayment plan or a prolongation of wage garnishment ( though I vehemently informed the representative I was not the responsible party, had no knowledge of said loans and was not even living in California at the time the student loans were opened ). I initially refused to pay for the loans, and in turn, monies were taken from my salary and tax refunds. I was young and uninformed. It seemed I had no recourse in the matter. I finally and begrudgingly acquiesced, in XXXX XXXX, to entering a rehabilitation program for the fraudulently filed loans when yet again, after filing my taxes, another {$430.00} was taken from me as an IRS offset. Not until this year, after having upwards of nine thousand dollars taken from me, did I learn I could file for discharge due to id theft. And even now, after submitting all I can, ECMC continues to keep this matter unresolved. I am downright exasperated.
12/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44118	Web
I have repeatedly tried to fix this problem with ECMC. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received none of the information I requested.
11/20/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	IL 60440	Web
This letter is in regard to an Alleged outstanding student loan that was taken out in the amount of {$2500.00} in XX/XX/XXXX while I was a student at XXXX XXXX University. This debt has been paid years ago. This is a 32 year old debt that the Department of Education cant provide a complete history for this alleged outstanding debt. In going over the documents that were sent to me by my request I have noticed that the history of this loan is incomplete! This department is trying to collect on a debt that they do not have accurate or complete records. Theres 4 years history missing in which also includes payments to this account. My taxes have been intercepted since XX/XX/XXXX for these unfair debt collection practices by this department and the agency that they have contracted to collect an alleged debt ECMC are the ones that need to prove the validity of the debit and they cant! I have written this department several times with no success. The letter I received from The Department of Education references that XXXX credited my account {$2700.00} to an outstanding loan balance what I dont understand is if the loan balance was {$2900.00} why was there a an interest payment made in the amount of {$2100.00} and only {$430.00} paid to principal {$140.00} collection and {$6.00} fees? It seems to me that that payment should have wiped the majority of that loan off the books, seeing that my principal balance was {$2500.00}? So how am I in default? I need proof from this company on the complete history of this loan including the 4 missing years of history and all the payments that I made including how the payments were applied to the account, otherwise this debit is bogus and needs to be settled. Also, my taxes have been intercepted from XX/XX/XXXX thru XX/XX/XXXX it is not fair to me that I cant get a complete history of this account and what has really been paid. No American should be strapped with a debt for over 30 years without a clear understanding of what they paying for!!!! This was a {$2500.00} dollar debt we are now 32 years latter!!! Each department involved has a different amount that Im allegedly to owe. Where the checks and balances in this process are this company is using their power to hold my tax returns hostage unfairly!!! Where is my due process in this matter????? Let me be clear resetting the terms of this alleged debt are not a suitable option because there is a dispute of the validity. I have enclosed copies of correspondence from the Department of Education and the XXXX department on this matter. I want the IRS to stop intercepting my money because this department has not proven the validity of this debit! The Department of Education cant provide me with a COMPLETE history of this outstanding debt included the 4 years of history that is missing from my account! According to the Fair Credit Act, Im entitled to this information since the IRS is intercepting my taxes to pay a debt that is well over 30 years old and the company collecting has not provided a complete history of the validity of this debt! Also, I want a refund of all the money that was collected illegally from me using unfair debt collection practices for tax years XX/XX/XXXX-XX/XX/XXXX case in point my Federal tax returns. The collection agency at one time was harassing me on my job and using intimidating tactic to try to collect on this debt until I wrote them. I have held my taxes for the last three years because of this issue and I would like to bring my tax record current without this company stealing my money!!!!! I can be reached at XXXX or my address at XXXX XXXX XXXX XXXX, XXXX, IL XXXX Best Regards, XXXX XXXX XXXX CC : Federal Trade Commission, Senator XXXX XXXX, ECMC, Department of Education
03/27/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	TN 37312	Web	Servicemember
I have paid in full all my student loans as of XX/XX/XXXX I had NO STUDENT LOAN BALANCE AS PER THE XXXX XXXX representatives and XXXX WEBSITE. An ach payment of XXXX was paid XX/XX/XXXX to XXXX all loans due and payable to that point and this proof has been provided to XXXX by my mother 's bank as well. All other student loans past that date have been paid by her as well. Her XXXX confirmation # is XXXX on XX/XX/XXXX. We were assured that a XXXX balance existed on all student loans ( with the exception of XXXX on a perkins which is being paid incrementally ) and until we received a call from XXXX in XXXX there was no question of this. You can see the result from them below there was no question. Then - ECMC starts up and here we are .... XXXX XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On Friday, XX/XX/XXXX XXXX XXXX, " XXXX '' XXXX wrote : Dear Customer : This e-mail is in reference to your student loan account serviced by XXXX XXXX XXXX XXXX XXXX ). We have computed the total payoff amount of your student loan as follows. This calculation does not include any payments that may be received by us on or after the date of this e-mail. Effective date of payoff calculation : XX/XX/XXXX Current principal balance : {$0.00} Interest to effective payoff date : XXXX Daily interest accrual : {$0.00} Total payoff amount on effective date : {$0.00} To pay off your loan using our Online Payment Solution ( OPS ), click " Make a Payment '' in the center of the Account Access page once you are logged in to your account, then click " Loan Payoff '' in the left-side navigation menu and follow the prompts. This feature will also allow you to choose different payoff dates, up to 15 business days in the future. If you do not submit your payoff payment online, you may mail your final payment to the address below. Be sure to write your account number on the check or money order. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Please do not reply to this message as this email account is not monitored. If you require further assistance, please visit our website at XXXX. From the homepage, you may click on the " Contact Us '' link, which will provide you with useful information such as our Customer Service Department hours of operation and telephone number, and will allow you to submit inquiries via a secure e-mail. If you have an online account, you will find additional services available and may obtain account specific information. Sincerely, XXXX XXXX XXXX XXXX XXXX This message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. Code : XXXX We have tried on numerous occasions to file a complaint/dispute/grievance with this ECMC company to no avail. Their website continuously gives us an error code and their csr 's do not sent the forms. Now ... XXXX is threatening to take my license I earned on a student loan that was paid in full and everyone agrees on this. Those student loans are not even in dispute and were for a vocational school - and are going to cost me my livelihood. This is just wrong and an error has occurred somewhere in this process for which we are paying with my ability to work. XXXX XXXX XXXX - XXXX My authorized representative is my mother XXXX XXXX XXXX.
03/31/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	CA 91601	Web
I graduated with a XXXX from XXXX of the top XXXX in the country in fall of 2008 with a high GPA. Upon graduation, I had over {$130000.00} in combined private loans and federal loans. The admission counselors at the for-profit college where I received my degree told me that they had a strong job matching program for their graduates. They told me before I took out the loans to attend the college, that they would help me find a job upon graduation. When I was in my last few semesters before graduating, the director of the career development office discouraged me from seeking internships outside of career development office, and to only focus on the internships through the school program. I realized after applying to multiple internships through the college and not receiving any internship offers while in college, that I had been given terrible advice by the college. Since I graduated in 2008, I have applied to XXXX of internships and jobs. I have not received any offers for internships, part-time jobs, or full-time positions for what I have a degree in, a XXXX. I have only been able to find work in my field as an occasional XXXX, and that is rare. I have been forced to find work as a part-time XXXX while I continue to broaden my skills in XXXX and other talents. I have been unable to afford to pay any of my federal loans, private loans or interest back other than the occasional {$30.00} per month, which I ca n't even afford. I am bombarded by student loan debt collector calls daily, and I do n't know what to do. I truly feel that I should not have been able to get approved for such high loans to attend the college where I graduated from. I also feel that my school mislead me and gave me false information about it 's graduates success rate in finding work in their field. I feel lied to by my college, mislead and sold a fantasy in order to have students pay their massive tuition. For the past 6 years after graduating I have been struggling just to pay my rent and basic needs, when if I had been hired for full-time work in my field, I could be contributing to improving the economy. Our president should bailout our students who have a large amount of student loan debt by ( forgiving a great percentage of student loan debt ). Especially for students that graduated shortly before and after the great recession began in 2008. The president bailed out the banks and XXXX XXXX financial leaders, who are now becoming even more wealthy and powerful. Our government has done nothing of significance to help the students with debt to rebound from the fall of our economy. If student loan debt was forgiven in large part, I believe that our middle class would grow stronger again. Because there is no real student loan forgiveness policy in place, the struggling graduates continue to struggle and the banks and the top % XXXX get wealthier. When I took out my student loans before and during my degree program, the economy was doing great. I graduated at the worst possible time, and now I 'm suffering because I worked hard in college and received my degree. I would have never took out large loans, if I had known how difficult it would be to find work in my field. I need help and I do n't know where to turn. Any advice on what to do to find student loan debt relief would be greatly appreciated. Thank you, Struggling College Graduate
04/09/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	CA 95409	Web	Servicemember
By letter dated XX/XX/XXXX, and received on XX/XX/XXXX ECMC has issued a " Notice Prior to Wage Withholding '' for the amount of {$71000.00}. ECMC does not provide " Attachment A '' to the letter. The letter states, " See Attachment A for a list of your loans subject to administrative wage garnishment. '' Without being properly served, I can not respond appropriately to this letter. However, I suspect that this relates to an issue that I have been continuously dealing with since XX/XX/XXXX when I sent ECMC a " Cease and Desist '' after they improperly contacted my employer multiple times. Since that time, I have demonstrated how I paid for my education ( which I did not have the burden to do ), and I have filed complaints with the FTC, CFPB, California State Attorney General, two Senators and my local police. ECMC previously attempted to utilize an invalid document to attempt to claim that I have a student loan. The document did not have my signature, listed fraudulent information, and did not have the name of ECMC or any financial institution ( lender ) or guarantor anywhere on the form. The form was not an original, and the scan clearly reveals a form of media manipulation because the lines are not even straight. The dates are also completely inaccurate. Further, the amounts that ECMC claims far exceed the tuition for the time I attended graduate school : {$26000.00} for the entire program. It 's unfortunate that tuition has skyrocketed and outpaced inflation for the current generation, but using today 's dollar figures and attaching them to XX/XX/XXXX is just absurd. Although it is challenging to take any of this seriously, the fact is that ECMC will again go on to contact my work, and I am mired in a process in which I can not get them to leave me alone, even though I have responded to the shifted burden of proof in this country and demonstrated that I DO NOT OWE anything. The burden of proof should require debt verification and validation on ECMC 's part, but yet again, here we are with their incapability of providing a proper mailing. I have an existing " Notice of Intent to Sue '' for the State of California, and I intend to go to court over this matter. I fundamentally believe that ECMC needs to be investigated for financial fraud. I do not know why this organization has my information, and I do not know why they are creating fake documents to attempt to harass me and my employer. I work for a XXXX, and we do n't have time to be dealing with this for several hours each week. At first, I just wanted this to stop, but now I want compensatory and punitive damages. After all of this time ( XX/XX/XXXX to XX/XX/XXXX ), the individuals working for ECMC have still failed to provide a legal debt instrument. To now include a letter stating that an attachment is included that is n't does n't seem like a mistake to me. I WANT THEM TO INCLUDE ATTACHMENT A IN RESPONSE TO THE CFPB. I have included the original scanned document with the envelope and postdate. I want proof of the existence and enforceability of a valid debt. When they fail to produce this again, I want my information removed from their database with a letter from them indicating that they have done so.
09/10/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	TN 385XX	Web
In XXXX XXXX, my husband and I filed chapterXXXX bankruptcy. We paid 96 % of the claims and were discharged successfully after 5 years. My Issue or complaint with ECMC is that 1 ) We just completed a chapter XXXX bankruptcy where they filed a claim ( as did XXXX XXXX, more than once ), and we paid those obligations in full or close to, and 2 ) Now that we 're out of bankruptcy, they are claiming I owed significantly more than what was claimed, and those claims came to ECMC via XXXX XXXX, 3 ) we 've presented SEVERAL issues with the amounts they are claiming I still owe to them, my lawyer, and THEIR lawyer, and 4 ) the lawyers involved in the issue are allowing the issue to continue whereby I 'm being penalized for following everything I 've been told to do by my lawyer 's office. We believe we paid XXXX XXXX in full ( or close to ). I have issued a dispute with ECMC and filed a request for a hearing from ECMC, but I have not heard back from them. I 've been attempting to engage my lawyer 's office with mile results. My lawyer 's office has attempted to contact ECMC 's lawyers with no results - a response, but no response from ECMC. Meanwhile, my wages have started to be garnished when I have valid issues or concerns with the amount they owe I claim. I have not tried to DISCHARGE any student loans - in fact, I 've done my due diligence to get them paid and avoid wage garnishment ( without obligating myself to loans I feel are erroneous ). However, even when following the advice of the lawyer 's office and attempting to follow the rules outlined to me, even with successfully completing the chapter XXXX bankruptcy, I not only was harassed by ECMC with threatening phone calls/emails, they somehow were able to garnish my wages with no hearing, no follow-up to my dispute, and no formal notification from them other than the notice/request for a hearing documentation that I submitted to them within the timeframe allotted, and no response from their lawyer. Upon review of the account transactions from ECMC and the Chapter XXXX Trustee 's ledger there were several concerns as follows : 1 ) ECMC has included charges totaling {$12000.00} for collection costs. These charges were all assessed while in the Chapter XXXX Bankruptcy case. 2 ) On XXXX XXXX, XXXX ECMC shows transferred records totaling {$45000.00}. The Proof of Claim filed by ECMC on XXXX XXXX, XXXX was only filed in the amount of {$10000.00}. We believe that the transferred records totaling {$45000.00} were paid as separate claims in the Chapter XXXX Bankruptcy in part or full. 3 ) XXXX payments to ECMC were reported as unclaimed funds totaling {$2000.00}. A change of address was filed by ECMC on XXXX XXXX, XXXX which appears to have resolved the issue of the unclaimed funds. 4 ) There was a payment by the Trustee on the claim of ECMC dated XXXX/XXXX/XXXX in the amount of {$140.00} that was not posted by ECMC in the transaction history and was not reported as unclaimed funds. 5 ) There was a payment posted in the transaction history dated XXXX/XXXX/XXXX in the amount of {$97.00}. The XXXX issued this payment on the claim of XXXX XXXX - Trustee 's claim number XXXX not for the claim of ECMC.
03/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Acct Account # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim " My account '' was charged off for XXXX $ in XX/XX/XXXX. This is a formal notice that your erroneous claim ( s ) is/are now disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I also can not even begin to believe the debt is mine as a partial account number is only shown as evidence of a real credit account with missing numbers? Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
05/09/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	UT XXXXX	Web
In speaking wit h two a ccount representatives, one by th e name of XXXX , employee ID : XXXX , and another XXXX , employee ID : XXXX , at Educational Credit Management Corporation about first-time student loan rehabilitation, both employees lied that the collection fees would be capitalized in the loan balance and that the fees would be transferred to the new lender once I completed loan rehabilitation. I repeated asked them to confirm this on a recorded call and they insisted this was true, in order to collect commissions on those fees. I had found, however, documentation from the Student Federal Aid website stating otherwise. XXXX XXXX XXXX # XXXX Quoted below : XXXX XXXX XXXX : What is the current policy for collection fees and rehabilitation? - Does the balance in a rehabilitation agreement include collection fees and, if so, what is the formula for adding fees to that balance/how are they calculated? - Does the loan holder take a portion of the rehabilitation payment for collection fees? If so, how much? - Are fees capitalized in the balance after a successful rehabilitation? If so, how much? XXXX : This response applies to Department-held loans ( both FFEL and Direct Loans ). If the borrower is assigned to a PCA, collection fees are charged against each of the nine qualifying payments ; approximately 20 % of each payment would apply to collection fees, with the rest applying to interest and/or principa l. Once full eligibility for rehabilitation has been achieved, only the principal and interest balance of the loan is transferred to a non-default servicer. From that point forward, no further collection fees are charged unless/until the borrower re-defaults on the loan. In the event of re-default, collection fees are charged according to the same rules as if the loan were a first-time default. Collection fees are not capitalized in the rehabilitation process. Collection fees are only capitalized if a borrower consolidates the defaulted loans. [ XXXX XXXX XXXX ] Thi s collection agency is teaching their representatives to lie to borrowers to collect larger fee amounts when it clearly states here the federal rules which govern loan rehabilitation fees. You can hea r three recor ded conversations on XXXX XXXX XXXX around roughly XXXX MST confirming these facts. I would like to enter loan rehabilitation without paying any fees to this deceitful agency, including the standard 20 % through the nine monthly loan rehabilitation payments, because their representatives repeatedly lied. Additionally, I think an investigation in to ECMC 's tr aining practices should be conducted because I bet their representatives regularly lie to borrowers to collect larger fees and commissions. Finally, I think th e two r epresentatives ought to be fined and given unpaid leave for a period of 60 days. It is a disgrace that this company and these people try to steal from and deter students trying to do the right thing by entering into loan rehabilitation.
03/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	IN 462XX	Web	Servicemember
Hello, On XXXX/XXXX/17, I was informed by my bank a LEGAL ORDER HOLD was put on ALL my bank accounts and I would not be able to access ANY of my accounts, I have XXXX. I contacted the phone number my bank provided, it was Premier Credit XXXX, their phone number is XXXX, they identified as Collection Agency for State of Indiana, I am familiar with Collection Agencies and procedures, I asked them about the FDCPA and they stated does not apply to them and that if I wanted to get clear, I would cooperate with them, They stated I would not be able to access any of my bank accounts at all until {$970.00} was paid to them directly. I advised amount is not correct and not owed for that and they stated not their issue or problem, they stated if an individual was listed on their list from state, Bank accounts would be froze until they were paid, no verification of balance, nothing sent to me, just pay them, or bank accounts froze for up to 60 days or longer. I was able to speak with XXXX ( I think was her name ) and the only reason I was able to speak with her is due to my collection agency knowledge, otherwise individuals would have had no idea what was going on or how even to deal with this, so others will be completely unable to help themselves. The Collection Agency faxed over a form after I had to tell them to take all the money they had listed for the Legal Order Hold to XXXX XXXX XXXX XXXX her phone number is XXXX, I spoke with her and she stated she just had received a Fax from them within 5 Minutes of me speaking to the Collection Agency and normally would be up to 60 Days before they received that and no one is able to access their bank accounts. She stated she cleared my Accounts so I could access my remaining funds after the {$970.00} was deducted from my Bank and sent to this Collection Agency, of which I have no idea still as to correct balance due to all the previous payments that had been made to the state, no paperwork, nothing, just a freeze on my Bank Accounts and almost a {$1000.00} check sent by my bank to just to some phone number I received and had to call. This was completely handled in an absolutely horrible way by this Collection Agency and I am quite certain the State of Indiana will be receiving an incredible amount of individuals contacting them on how this is being handled by this Collection Agency. If you could please assist me in anyway with this issue I would greatly appreciate it and I 'm very sure that there will be Hundreds of more individuals that would need your help if you could please look into how this is being handled by this " Collection Agency '' that the State of Indiana has decided to use to collect back taxes owed this is something that will cause an extreme hardship for an incredible amount of individuals in the state of Indiana by having to deal with the way this is being handled and individuals that do have the collection knowledge that I do, will be incredibly distraught and it will cause an extreme hardship on them. Thank You.
01/11/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	FL 32817	Web
ECMC has continued to file a wage attachment for a debt that was supposed to be cancelled and refunded XX/XX/XXXX. Now these collection tactics are harassment under the law. ECMC refunded me payments garnished in XX/XX/XXXX yet reactivated the garnishment, in XX/XX/XXXX so the 25 year timeline also makes this debt a violation of federal law. Further to prove my claim, they clearly stated that I withdrew from the school in under 6 weeks but the school did not refund me the money or cancel the loan properly. They further sent me a loan discharge form and stopped the collections and REFUNDED me XXXX out of the XXXX garnished. More importantly they claimed all notices mailed to me was to an old address and not the one i submitted to them in XX/XX/XXXX all this to justify this recent garnishment started in XX/XX/XXXX. But they resold the debt to another agency and started collections for a debt they know was not refunded and separation from the school, they do this all without any penalties so the harassment continues and the consumer protection laws are ignored. So, in XX/XX/XXXX and had updated current address and failed to notify properly, again proving that ECMC is attempting to collect a debt they are aware is in error and is not following proper notifications provided by the consumer protections laws. ECMC and XXXX XXXX have both illegally and unethically attempted to profit off me as the result. They have refunded XXXX % of money collected though a wage garnishment proving that they are aware of their internal errors and yet started the process all over again. I demand the cancellation of this loan by enforcing the documents to provided to CFPB, proving i separated from this school. I demand the release of this debt now that the time limits have expired by federal law over 20 years uncollected, in error and behind my back. I demand the wage garnishment stopped and settled for the third time in two years due to non compliance on the debt collections laws and the fact that i ( as a child ) followed the withdrawal of the school and never got a refund for the balance of the loan. Note the school was a XXXX school for a 12 month term - had no computers for us to learn on, and no books for us to keep -- so logically i properly withdrew and cancelled but full refund was due!! the paperwork was submitted to ECMC cancelling the loan but yet the garnishment is reopened as of today XX/XX/XXXX for the reason : the school is still opened, ( not an unpaid refund ) when this is totally incorrect, there is not a " XXXX XXXX school '' active or open in the state of New jersey. This is harassment, illegal and unfair causing financial hardship. Either they forward me the money paid to a school I withdrew from, they acknowledge that the lose claim due to 25 year rule for student loans and/or the cancel the loan due to refund was not paid. These companies should be ran out of business and sanctioned.
11/12/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	TN 38506	Web
Educational Credit Management Corporation XXXX XXXX XXXX called and left a message for me at my place of employment a couple of weeks ago. I did not return their call as I thought it was spam. They then emailed me stating my loans were in default and to call them back. I know that my loans are not in default and their email still looked like spam, so I ignored it. The following day and every day since, I 've had XXXX calls at work from XXXX. I then started receiving calls and emails daily. I finally replied to an email and asked them to stop contacting me as I did not have any defaulted loans. The representative told me I did have loans and they were going to take 15 % of my wages to pay them. They then called my HR XXXX and " verified my employment. '' I told them this was a mistake and they asked me to call. When calling you must enter your social security number and date of birth. I did not feel comfortable doing this as I know I do not have defaulted loans based on my loan servicer, my credit report, as well as, never receiving any notices of late payments or defaulting. XXXX then continued to email me after XXXX requests to stop contacting me. They then called my place of employment again requesting some form be faxed to them. I asked them what loan I defaulted on. They could not tell me. This harassment continued for about XXXX days. I finally filed a complaint with the Better Business Bureau and the Federal Trade Commission. I informed XXXX of this and stated if they did not leave me alone, I would contact local law enforcement. I let them know that I used a member ID they sent to me in an email along with my birthday to try and call them back through their computer aided phone system. It said invalid entry. At this point, XXXX asked to verify my birth year. I said they had the incorrect date. He apologized and said he would not contact me or my employer again. Later that very day XXXX different XXXX employees called my HR XXXX at work to demand information about me. Luckily I had told my HR XXXX everything that was going on and forwarded my email communications with XXXX to her. She requested that they stop contacting our place of employment. The original XXXX employee then contacts her once again to demand a employment verification form be returned via fax to him stating that I did not work there and which social security number did not match up. This is completely inappropriate and bordering on harassment. If they are going to get the funds back from defaulted student loans, it would be beneficial for them to make sure they had the correct person. Hopefully this fiasco is now over with me, but this was a headache and handled entirely inappropriately. I did not appreciate their incessant calling at my workplace, of all places, nor did I appreciate their rude behavior. Not once were they able to verify which loan I had defaulted on.
04/04/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 10128	Web	Older American
On XX/XX/XXXX, I received a Notice from the US Department of Treasury that a debt collector has filed an action to garnish my monthly Social Security payments ( {$500.00} monthly ) for debts they say that I owe. I attempted to contact the firm doing this, shown on the Notice as Educational Credit Management Corp., of XXXX XXXX, MN. Calling them, a recorded message directed me to another firm, a collection agency called Premier Credit, of XXXX, IN. Calling them ( XX/XX/XXXX ), I went from a XXXX, to an XXXX, to an XXXX, to a XXXX. XXXX began by telling me my debt originated with XXXX XXXX ( a notoriously bad acting firm ) & totaled {$220000.00}. I gasped at the amount & then found out that it was an education loan. I DID take out Parent Plus loans years ago to allow my XXXX sons to get through college. But I dont recall any of them being that high. I explained to XXXX that my XXXX sons DID go through college on a number of my Parent Plus loans originated by their XXXX colleges & funded by a number of banks & financial institutions. However, NEITHER of them are working now, & one lives at home with me where I support him. One is a Special Needs child with related medical bills not covered by insurance. I furthermore told him that my finances are beyond tight ; they are dire. Garnishing my Social Security would be disastrous ( I am XXXX years old, & also looking for work, but as many might understand, it is difficult to find employment or income at that age ), as savings are XXXX, & I only get a small pension from past employment. XXXX effectively ignored this, & said the law allows them to collect money for XXXX by garnishing Social Security payments. He then tried to get me to consolidate these XXXX XXXX loans with other education-indebtedness on the XXXX system. The latter includes loans from other lenders that I could not identify. I noted that the subject loan, this XXXX XXXX loan, was shown there at {$170000.00}, not {$220000.00}, which he tried to explain as beingfees & costs. I had some terrible experiences in trying to repay a number of these other loans in XXXX, those originating parties being US Department of Education & XXXX & others. The US DofE did garnish my Social Security in XXXX, causing disastrous hardships to me, including near bankruptcy & loss of home. They then abruptly stopped ( XXXX, I believe ), & even REFUNDED a months garnishment. All of this had no impact on XXXX, as he returned to the threat that they ( Premier ) can garnish & hes powerless to stop this. He said it will start with the XXXX SS payment. Thank you, CFPB, for reading this far. I never thought Id be confronted with these dire & disastrous actions again. But here they are, & initiated by one of the truly villainous repeat offenders of financial-service mischief & wrongdoing, the rich, huge monster called XXXX XXXX & their collection agents.
04/30/2018	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	GA 312XX	Web	Older American, Servicemember
Approximately 10 days after forms were e-mailed to me, I signed them and returned them.This was on the night of the XX/XX/2018. XXXX with ECMC called me the next day to inform me that she received my forms and that unfortunately there would be one more form she would be sending out that day for me to sign and attempted to coerce me into signing it immediately. I have explained to this woman on more than one occasion, that I work a full time job ( and she called me at my office where I XXXX XXXX with XXXX XXXX XXXX ) and can not possibly send back anything at that moment because I was at work and she was sending it to me at my home e-mail address. I explained also that I have a lot on my plate right now, as not only do I have XXXX , but was, also, recently diagnosed with XXXX and am receiving treatments. I am also having to retire and will be living on a fixed income due to my related health issues. I am already stressed enough, with having to rent my house out until I can sell it, trying to find my dog a new home, packing nearly everything up and moving it to a storage unit and attempting to work my XXXX hours a week too. I am still grieving over the loss of my mother more recently ( in the last 7 months ) and father not even a year prior to that. My ex-spouse also left me in the midst of both of my parents ' death. I suffer from XXXX and have been on an XXXX for many years. ECMC is calling me nearly every day if not every day and sometimes more than once a day. I assured XXXX, today, with ECMC ( XXXX ) that I had already signed the initial forms that she had requested me to sign and that she had called me Friday to thank me for taking care of that and that she had just one more form to send me to sign. XXXX denied that this dialogue ever took place and that I had never returned the forms. She demanded wanted me to go to my computer immediately to send the forms that I already sent her last week. When I tried to explain that I was not at home ( I was actually at a XXXX appt ) when she was calling me today, she told me I could " make up excuses '' or something along those lines. I am reporting her now for excessive harassment when I have told her that I have been recently diagnosed with XXXX and am dealing with a lot right now. She said that she sent me paperwork in the mail, which I did not receive. As of this moment, I do not have access to my computer as it requesting me to input a " key stroke number '' or something and will NOT let me back in to retrieve my e-mail. I am going to attempt to remedy this situation today following my other two medical appointments after work. I am in dire need of an advocate or someone to help me with this as I really don't know how much longer I can tolerate all of this harassment which is overwhelming me on top of everything else ( to include XXXX and XXXX ). Thank you, XXXX XXXX XXXX XXXX XXXX
06/20/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 752XX	Web
Despite attempts to request copies of loan documents evidencing the students loans that ECMC has said have not been paid, ECMC has refused to provide copies. Instead, printouts of what was supposed to have been outstanding was sent to my attention. When I insisted that copies of the actual documents be made available to me in preparation for a hearing to determine whether my wages should be garnished, ECMC apparently forwarded documents to the Department of Education ( what documents, if any, that were sent by ECMC to the Department of Education were not made available to me ), who made a determination that no hearing was necessary. The letter from the Department of Education is attached. The Department of Education letter does not reflect the supporting documentation that was submitted to ECMC. I would have certainly provided the Department of Education with the supporting information and documentation, if provided with the opportunity to do so. All of my documentation regarding repayments and in preparation for the requested hearing was forwarded to ECMC as was requested by ECMC. My wages had been garnished for over 7 years, and as a result over {$50000.00} had been repaid. My request was for documentation reflecting the exact amount that was owed. Instead, ECMC became incensed that the request was made, refused to provide any documents showing an outstanding balance other than a computer print-out ( schedule of payments ), and refused to consider the request made by me for relief under 34 C.F.R. Section 682.410 ( b ) ( 9 ) ( ii ) ( E ) ( garnishment of wages would cause undue hardship - documents were sent to ECMC supporting the undue hardship, but there is no verification that those documents were delivered by ECMC for review ). Monthly payment obligations were also sent to ECMC in anticipation of a hearing. There is no evidence that those documents were reviewed or considered. Student loan documents may refer to specific rights, deferments, relief related to periods of unemployment, family tragedy or reduction in debt obligation due to employment at a non-profit. I have been deprived of the opportunity to review those documents and verify the outstanding balance of any loans that may be outstanding. Instead, ECMC has acted punitively as a result of my request that they provide the proper paperwork that shows the amounts owed and its authority to collect the outstanding debt. Such requests for documentation and verification are minimal and owed to every borrower. ECMC has insisted that I verify the loans in which they have no documentation, and enter into a payment agreement in order to prevent garnishment of my wages. While I am willing to pay, and have been paying for over 7 years, I can not verify and confirm a loan obligation where no documents have been provided by the debt collector.
12/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19061	Web
This is my second complaint with CFPB against XXXX regarding the SAME issue. There is incorrect information on my XXXX credit report being reported to creditors. XXXX claims that it is not. Hello, My name is XXXX XXXX and I am contacting you with regard to an ongoing issue I have been having with XXXX. That credit bureau is reporting inaccurate information ( 2 recent payments ) on my credit report. This inaccurate reporting and overall failure to update, has resulted in my having been denied a credit limit increase with one of my creditors recently. I also anticipate starting the home buying process in the near future and can not have this inaccurate reporting be an issue. In XXXX of 2020, I submitted a request to the U.S. Department of Education, requesting that my student loans be consolidated ( thus bringing them out of default status ). That application was ultimately approved. In XXXX of 2020, I received the enclosed notification from ECMC, one of the holders of two of my previously defaulted loans. In that letter, ECMC acknowledged having received the payment required to bring the two student loans out of default status. ECMC has also updated those two accounts with the credit bureaus to reflect closed/paid. While I do not dispute those accounts as having been in collections, I am again disputing the inaccuracy of the reporting. XXXX is currently reporting that in XXXX of 2020, I missed a payment on each of the loans that they were holding ( for a total of 2 ). This is incorrect. Per XXXX, XXXX is reporting a late payment within the past 6 months. I also have a premier subscription with XXXX that provides 3 bureau monitoring. My XXXX data under that monitoring service ALSO lists a recent missed payment. That missed payment is ECMC. There were no missed payments and even when the account was in a default status, I had been making monthly payments for over a year.I have disputed this via phone ( XXXX of 2020 ), as well as online, but the information has not been accurately updated. On XX/XX/XXXX, I sent a letter to XXXX ( via certified mail ), asking that they make the necessary corrections and/or updates on their end. On XX/XX/2020, I contacted them via phone to request an update. I was informed that they do NOT see any recent missed payments on my credit report. I again explained the information that is listed on XXXX and XXXX. XXXX instructed me to contact the credit monitoring providers. I contacted XXXX Customer Care and they explained to me that they could only update Information as it is provided to them by the credit bureaus ( in this case, XXXX ). I am stuck in the middle and can not seem to get this information corrected. I again applied for a credit limit increase with a creditor was again denied based on information contained in my XXXX file.
01/06/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	CA 95409	Web	Servicemember
A California attorney and/or debt collector by the name of XXXX sent a letter to my place of work indicating that she would be suing them on behalf of ECMC. She sent this letter on XX/XX/XXXX, and it was received on XX/XX/XXXX ( letter attached ). She indicated that she was going to sue the employer for a " debt '' that has already been dealt with by more than one complaint filed with the CFPB. She received immediate communication back on XX/XX/XXXX. In addition, ECMC had claimed that it had retained California attorney, XXXX to defend it against FDCPA claims. XXXX office was contacted, and they continued to claim that his law firm was handling the matter and that there should n't be another attorney. Without respect to the confusion that was caused, multiple email forwards were sent to XXXX indicating that I do not have any debts owed with ECMC. She was told that she was not to contact my place of employment via certified mail, telephone, email and facsimile. She was immediately sent documents indicating that there was no Administrative Wage Garnishment in effect and that there was, therefore, no potential claim against my employer. Nevertheless, she still contacted my place of employment on XX/XX/XXXX, emailed the CEO, and spoke with the CEO twice. She then claimed that she would also be contacting the payroll company. After receiving a Cease and Desist and Notice of Intent to Sue, as well as having complaints filed with the CFPB, ECMC and its agents have contacted my workplace a minimum of an additional seven times and have contacted my former college to attempt to obtain records. Unfortunately for them, the records of the college - which have parts blacked out by either ECMC or the college - reveal that I was fraudulently classified as a law student ( I never applied to law school, and I, therefore, certainly did not attend law school ) and show that I made direct payments to them. This corresponds with my own receipts for payment, which I ordered a hard drive reader to be able to produce for their former attorney, XXXX. ECMC - under threat of lawsuit - and with direct proof of fraud, will not stop. Not only that, this situation has become much worse because my work has been contacted more times now than before I filed with the CFPB, and I have had to research additional agencies to turn to to receive assistance. This is consuming unbelievable amounts of time, and there is no way to achieve a permanent solution. It is absolutely horrifying that you can have a debt collector create this much harm without anyone doing anything to stop them. They need to be put in jail, and this needs to be considered a crime punishable by jail time, because they have literally stolen my money and are attempting to do so again.
10/19/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	CA 95409	Web	Servicemember
On XXXX XXXX, XXXX, I submitted a CFPB complaint against ECMC for fraudulently and illegally garnishing my wages ( CFPB Complaint # XXXX ). In response, ECMC never provided debt validation, posted my own Notice of Intent to Sue in place of an explanation and claimed that it was keeping the " trade line '' on my Credit Reports, even though it blatantly failed to abide by the FCRA, FDCPA and California XXXX XXXX. My credit report erroneously stated that I had a loan from the lender of " University XXXX XXXX XXXX '', which is not a lending institution, financial institution, nor bank. ECMC then claimed that it was collecting funds on behalf of the University XXXX XXXX XXXX, even though ECMC was not the lender, servicer, nor guarantor. I checked my Experian credit report on XXXX XXXX, XXXX, and I have found that ECMC no longer lists itself as a " trade line '', for supposed loans obtained in XXXX to XXXX, but now lists itself as a new loan originator, with XXXX loans originating in XXXX. I did not attend college in XXXX. I did not take out loans, and I did not contract with ECMC. I never received loans from ECMC, nor any organization affiliated with ECMC. It is clear that ECMC is insistent about wanting to take money from me, even though it has not met its burden to provide proof of the existence of a debt. They are engaged in illegally altering my credit reports, and they are actively engaged in fraud. Further, they contacted the University XXXX XXXX XXXX and requested my transcripts, which is a violation of XXXX. The college provided my Student ID number, all personal data, and grades. All of this happened months AFTER filing a CFPB complaint ( XXXX XXXX, XXXX ). I attended college 12 years ago, and I have never heard anything about supposed loans and never received any documents. The more information I give via complaints, the more ECMC chooses to contact additional people and agencies. I WILL NOT tolerate this financial fraud. My credit score and credit report are the lowest they have ever been ; this is due to the fact that with a 22 year credit history, I now have XXXX " new accounts '' that are XXXX years old and all adverse. These XXXX new accounts were just added after I submitted my XXXX XXXX, XXXX CFPB complaint. I have attached each of the XXXX new accounts listed on my credit report as XXXX files. The process of filing police reports, contacting various agencies, and initiating a lawsuit, are all very time intensive, and the lack of recourse for such blatant violations is astonishing. Even through the crisis of XXXX, I have never seen XXXX in this condition, and it is simply horrifying. How many times does ECMC have to be sued before this will stop permanently?
01/16/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	CA 92860	Web
RE : PREDATORY LENDING COMPLAINT To Whom It May Concern : I am writing to file a complaint against ECMC because of their predatory lending practices. I mailed out two certified letters, the first letter was a debt validation letter via cert number : XXXX XXXX XXXX XXXX XXXX and the second letter titled Notice of Estoppel via cert number : XXXX XXXX XXXX XXXX XXXX. ( Please see attachments A & B ). I started my credit restoration with a Certified Credit Counselor in XX/XX/2018, come to find out that I have a total of 6 collection agencies trying to collect on the same school loan from XXXX XXXX. Out of ignorance, I was forced to make payments to one agency titled XXXX XXXX that collected from my weekly paycheck. This withdraw from my paycheck has caused me a real hardship, having no choice to make payments or I couldnt stay employed. I too mailed out a debt validation letter via mail cert : XXXX XXXX XXXX XXXX XXXX to XXXX XXXX and the second letter titled Notice of Estoppel via cert # XXXX XXXX XXXX XXXX XXXX ; they finally stopped collecting after my second letter of almost 5 months of paid payments collecting {$1100.00} ( See Attachment C and D ). I went through the proper channels by asking Human Resources to provide me the Order for payments. You will see that ECMC is mentioned within the order from XXXX XXXX, ( See Attachment E ). It clearly states that XXXX XXXX is the assistant company to collect on the debt for ECMC with a new loan number. ECMC created TWO loan numbers, trying to collect on two payments on ONE loan owed to XXXX XXXX. It was never announced to me that ECMC and XXXX XXXX are working as a brother company collecting on the same debt ; separately. XXXX XXXX is announced as a referred company assisting ECMC to collect debt. ECMC is now announcing the same attempt to collect payments dated XX/XX/XXXX from my paycheck ; without answering any of my questions or concerns from my letter ( s ) ( See Attachment F ). Since ECMC can not produce any information or material to validate that I rightfully owe them the debt, responding back with frivolous letters ( See Attachment G ). They are now maliciously going after my income yet AGAIN but this time under ECMC directly, not mentioning that their referred company XXXX XXXX collected any payments in the past 5 months. Lastly, I mailed copies of all my communication with the creditors ( ECMC and XXXX XXXX to all three credit bureaus. I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.
09/17/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA 90057	Web	Older American
Amount balance : {$1000.00} Action taken : Garnishment and Rehabilitation Program. I would like to lodge a complaint for breach of rehabilitation agreement. In XX/XX/2019, I filed a BK. On XX/XX/2019, I received an e mail from ECMC requesting to contact ECMC. On XX/XX/2019, the BK Chapter XXXX was granted by the court. On XX/XX/2019, Complainant responded denying that he received. Default notice and asking for loan forgiveness. On XX/XX/2019, ECMC send Complainant requesting to contact ECMC. On XX/XX/2019, Complainant received another email from ECMC requesting to contact ECMC. Because of Complainant 's desire for rehabilitation, Complainant paid ECMC the amount of {$50.00}. Despite payment made by Complainant, Complainant surprisingly received an e mail from ECMC on XX/XX/2019. Again, on XX/XX/2019, Complainant again received an e mail from ECMC. On XX/XX/2019, Complainant contacted ECMC. On XXXX, ECMC representative , XXXX XXXX and Complainant entered into a Rehabilitation in which ECMC agreed that Complainant will pay {$5.00} a month for 10 months. This will get off Complainant out of default. Complainant agreed that the {$5.00} will automatically deducted from his debit card each month. On XX/XX/2019, Complainant received an e mail from ECMC confirming the agreement and the payment of {$5.00}. On XX/XX/2019, Complainant received a Notice of Garnishment from the Treasury Department dated XX/XX/2019. On XX/XX/2019, Complainant received two letters from ECMC confirming the rehabilitation agreement and where the voluntary payment of {$5.00} should be made. Prior to the letter dated XX/XX/2019 a copy of which was received by Complainant on XX/XX/2019, Complainant did not receive or had not received a Notice of Garnishment from the Treasury Department. On XX/XX/2019, Complainant called ECMC and Complain about the garnishment and that the garnishment is improper because ECMC already agreed for the Rehabilitation program. The woman promised to call me after she had consulted with the Manager but she did not. On XXXX 2019, called again ECMC and talked to the Manager XXXX and complained about the garnishment. The Manager told me that he can not stop the garnishment. I explained to him that this not fair because I would be paying ECMC twice each month, from the garnishment and the Rehabilitation program. I told him that I can not afford to pay the loan outright or make a big payment each because I am already retired and my SSS pension of {$1100.00} a month is not even enough to meet my financial obligation and daily needs. But the Manager refused to budge in to stop the garnishment. Hence. this complaint. Sincerely, Mr. XXXX XXXX
09/04/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	CA 95688	Web
XXXX XXXX/XXXX stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from XXXX XXXX that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of {$150.00} on 9 consecutive months. The first month was XX/XX/XXXX- XX/XX/XXXX. Again I have all paperwork that backs my statement. On ECMCs website I was able to look up both of loans. Since ECMC became my lender. I noticed that on XX/XX/XXXX they stated that there was an rehabilitation repurchase payment from a lender for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they dont have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, XXXX XXXX and XXXX are the ones who are not telling the truth. ECMC took my refund from the I.R.S on XX/XX/XXXX. The total was {$3900.00}. On XXXX website and on ECMC website, they state that there were payment reversals. There where 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the {$3900.00} for my taxes. I never saw that check, nor did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from XXXX, ECMC, or XXXX, no where does it ever show what payments went too, or a balance. There are more little mistakes that all three seem to keep making. If and when you decide I have a good case to sue, we can go over those too. Ecmc-ca stated in XX/XX/XXXX, that I defaulted by not making six consecutive payments. I found the paperwork that shows I made 9 consecutive payments. ECMC said I defaulted so they could wage garnish. When ECMC started me on a rehabilitation loan they never set me up with any paperwork. From their website I was able to see that there was a Rehabilitation Repurchase Payment. I asked ECMC to show a running total of what I paid. They never reply to any of emails, phone calls. I have all the paperwork that shows payments made to them that total over {$15000.00}. When other lenders would buy the loans, it never showed me paying anything. XXXX/ECMC are the ones who I paid from {$15000.00} - {$18000.00}, yet I never see this anywhere. What can I do? Thanks XXXX XXXX
06/24/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	AZ 85249	Web
In XX/XX/XXXX I was approved for a consolidation by Dept. Of Education XXXX XXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX ECMC returned approximately 2300.00 back to XXXX XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by XXXX XXXX XXXX 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. In XX/XX/XXXX my wages were garnished. I called XXXX and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XX/XX/XXXX the notice was mailed to me and XXXX resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to ECMC to resolve the issue and ECMC has not responded. I contacted XXXX XXXX with XXXX to explain the situation and ask for his assistance in reaching ECMC to resolve because when I call the automated system referred me to XXXX and disconnects. XXXX assured me He would help and suggested I call back Friday XX/XX/XXXX. Instead of assistance from XXXX, they resolved my dispute and on XX/XX/XXXX garnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue XXXX for unfair treatment and unethical collection practices. XXXX 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.
07/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IN XXXXX	Web
XXXX, sitused in XXXX, Indiana, has a collection agency contract with the Indiana Department of Revenue. By statute ( specifically Ind. Code 6-8.1-8-4 ), the Indiana Department of Revenue may hire special counsel or a collection agency to collect judgments from tax warrants ( let me add emphasis that the collection agency bit ONLY relates to judgment by warrants -- a point I will get to a little later ) ; however, the statute does not say that a collection agency can stand in the stead of the Department. Premiere takes the position that it IS the Indiana Department of Revenue when enforcing this debt ( they work on a contingency basis -- less than 11 % ) and does not follow ANY of the provisions of the FDCPA. Their contract, evidencing the contingency fee is online. More specifically, on Tuesday, XXXX XXXX, XXXX, they initiated the first-contact with the debtor. Debtor was informed that she had 24 hours to agree to a payment agreement that consisted of approximately $ XXXX over a 4 month period. If debtor did not call back in 24 hours and take this deal, they would merely garnish her wages. There was no initial letter substantiating the debt. There is no opportunity for her to challenge the amount owed. There is no notice that lays out which portion of the debt is the tax owed or the collection fee. Nothing ... nada. Just " you owe this '' and if you do n't agree ... .bam. As if that 's not offensive enough, let 's walk through that whole judgment arising from a tax warrant. The Department of Revenue 's own interpretation of that statute is, " DOR may contract with a collection agency if an unsatisfied Tax Warrant has been issued by DOR ... '' and " Tax Warrants not collected by a sheriff in 120 days may be sent to a collection agency. '' See page XXXX of their contract with Premiere, accessible here : XXXX A tax warrant is actually recorded in the country where the debtor owns property or lives. And, a collection agency is " paid '' by " filing an amended warrant ... and adding the [ collection ] fee, '' which is predetermined by the XXXX and budget agency. ( See Ind. Code 6-8.1-8-4, again, for all of this. ) This debtor has always lived in XXXX XXXX, Indiana. There are no tax warrants filed and outstanding for the debtor. Their warrant system goes back to XXXX. So, you have a collection agency that was n't properly hiring, collecting on a debt they are n't authorized to collect, and using tactics that are reserved for a state agency -- all the while thinking they stand in their stead and, thusly, no pesky FDCPA rules apply. I just ca n't with this one ...
02/17/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NJ 07109	Web
I have Federal Student loans held by XXXX, which was supposed to be previously with XXXX XXXX. As we know, in the past, XXXX XXXX launched XXXX in XXXX, so that they may still be involved in the federal loan servicing business, while wearing a different identity. However, throughout the years, there have been no improvement, as we know that XXXX had gotten into a XXXX XXXX settlement agreement recently in order to settle litigation due to their unfair practices and predatory loans made out to students, including myself. XXXX also had a contract with the U.S. Department of Education, from which I had filled out an Inability to benefit form both to XXXX, and to the U.S. Dept. of Education in XXXX. It just so happens that when I discovered my Federal loans with Navient were transferred to ECMC, I had also gone out of my way to make sure ECMC was aware of my Inability to Benefit application, which I had sent out to them via U.S. Postal mail, via Certified mail and signature request. In a recent letter dated XX/XX/XXXX, ECMC had sent me a letter stating that loans made EDUCATIONAL CREDIT MANAGEMENT CORPORATION/ECMC will be assigning the loans to XXXX, who would then be servicing the loans on behalf of the Department. Please take note of the abusive practices of these companies. Not only are Student loan servicing companies such as XXXX XXXX chosen to create a separate identity to remain in the student loan market, it had been transferred to XXXX, and then XXXX to ECMC, and now ECMC onto XXXX, all which I havent ever authorized. None of these transfers hold any of my signatures or agreement in the matter. It is also interesting to observe these companies sweep These toxic issues under the rug, by looking away and pretending nothing ever happened. Also, XXXX had gotten me into a loan settlement offer, which I paid {$5000.00} to settle my student loans. It just so happens they made me pay this settlement offer in XXXX when they already knew they were being sued. Therefore, they also took all they could on their way out. I am requesting that my Federal student loans be cancelled due to the entire toxic loan and predatory lending practices I had fallen victim to, based on these companies playing games. I had never received a resolution or response on my inability to benefit form/application, and I made sure XXXX, the US. Dept of Education, and ECMC all had the same form, as I made sure they all received my complaint/application. I had given all parties sufficient and beyond reasonable time to ethically provide me with resolution in the matter.
08/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92131	Web
There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. In the last year, this account has changed from XXXX to XXXX to XXXX to the current holder, ECMC. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. XXXX/ECMC is not only reporting this inaccurate account on all XXXX of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from XXXX XXXX, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by ECMC. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor ECMC ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. During the first week of XXXX, I contacted both XXXX XXXX XXXX and ECMC again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an ECMC staff member, informed me that ECMC sent an email on my behalf to XXXX XXXX XXXX on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.
02/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76180	Web
I have called XXXX many times after ECMC discharged this issue on the complaint XXXX. Last contact date to XXXX was XX/XX/XXXX. They refuse to remove the late payments and XXXX stated I would have to call the credit bureaus to have it removed. XXXX discharged the fraudulent account on XXXX and then sold the accounts to ECMC in which I had to have this issue discharged with ECMC.ECMC resold it back to XXXX. This issue is bouncing around after I notify them of fraud. Lastly, XXXX new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my XXXX report as well as 120-180 late payments. XXXX has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : XXXX XXXX XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. ECMC {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX , and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX
08/19/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	CA XXXXX	Web
In XXXX XXXX I filed for a Ability to benefit discharge request with XXXX for my 2 federal student loans. fast forward to XXXX XXXX XXXX XXXX i received the FIRST communication about the request and that my 2 loans are now in default. ECMC ( the guarantor ) of my two loans paid XXXX off without my knowledge and put them into default. My loans have NEVER been late or missed payments. ( always have had an income based repay plan of {$0.00} per month or deferments ) When i received the letter from ECMC all i received was a notice of default. Nothing about my ability to benefit discharge request. I immediately got in contact with their Ombudsman who i spoke with in XXXX XXXX, XXXX and she told me i was sent a " borrower statement of intent '' and a denial letter in XXXX XXXX ( which i never received ) this Borrower form is supposedly crucial to the process of the discharge requests and since mine was denied, i have to either ask for a dept of ed appeal or acknowledge my loans within 30 days of this letter. This information was not received nor was it sent out with any sort of certified mail ( Why would you send something so important without tracking? ) The ombudsman sent me my file, told me to fill out that borrower form and return it to her as soon as possible ( which i did -- sent back to her on XXXX XXXX XXXX ) I asked for the Dept of Ed appeal. The form also specifically states if your appeal is denied your loans will be returned to their original active repay status and refer back to the lender ( which ECMC has refused to do/did not do ) I have a full paper trail proving the status of my loans prior to ECMC 's error ( they were not in late pay status or anything ) Now i have TWO collection accounts listed on my credit, has dropped over 100pts and cost us a home purchase. Dealing with ECMC is near impossible, they want money or nothing. I should not have to pay for their error. I want my loans put back to their status and back with the servicer and not as a collection account. I have tried going through the federal level ombudsman, i have tried going through the credit bureaus since they are reporting incorrect information. I refuse to try to " rehab '' my loans becuz they were never at the point of being close to Defaulted. I am including a copy of the Borrower form, highlighting the paragraph. copies of my statements from XXXX showing i was on an Income based repay plan until XXXXXXXX XXXX XXXX ( amount per month is {$0.00} ) also an approval for a deferment until XXXXXXXX XXXX
06/18/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	CA 92683	Web
I was contacted by ECMC first time XX/XX/XXXX about defaulted student loans. I communicated with them that I am in the process of consolidation and I 'm just about finished with school and how that could be? I was under the impression I had a few months left after class ended! I also added all loans would be serviced by XXXX and I have an accepted consolidation loan set for disbursement in after I submitted my paperwork. At this time the Caller informed me that they are servicer and need to collect on " this debt ''. They demanded payment regardless of my stance of " in school deferment or the anticipation of consolidation. XXXX XXXX I noticed a " trade line '' on my credit report summarizing data pertaining to the recently paid-off student loan and a collection accounts reported by ECMC as a Paid collection along with several others with varying dates of collection " reported date XX/XX/XXXX '' I have since contacted them and they will transfer me to a line with no answer or hang up. I have sent them proof of full time enrollment from XX/XX/XXXX-XX/XX/XXXX and asked for verification with no response or action. They have also reported Date of first delinquency wrong and also Date of Default has changed on other reports. When I do speak to someone and its regarding collection they take the stance " we are the owner of this debt but when it comes to attempting to show proof of enrolment/deferment they take the stance that it needs to be filed with the original creditor. I have clearly shown them that the loans are in deferment and in consolidation thus i get the canned response not according to our records and we demand payment ... .They are causing a XXXX XXXX to enter the market with horrible credit and undue stress because of their lack of keeping sound records, constant changes to my credit report etc. In accurate date of first delinquency ( Because XXXX county and XXXX XXXX do n't have one ) I WANT ALL ECMC TRADELINES REMOVED Higher Education Act or FCRA they are in violation. I am also in the process on obtaining supporting data from the XXXX original creditors showing in school deferment and will take on their absorbent fees they added on. Some how the DHE got it right with their reporting but ECMC cant figure it out : -/ Please HELP ( PLEASE SEE attached XXXX Is the original Creditor showing DOFD XX/XX/XXXX and the ECMC XX/XX/XXXX ) As you can see XXXX and US dept of education are no negitives and current due to in school deferment.
08/14/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	NM 87110	Web	Older American, Servicemember
Dear CFPB. Thank you for being there. I was responsible for approximately {$80000.00} in Student Loans. In XXXX, I lost my job and my house. I worked with the student loan lender at that time ( XXXX XXXX XXXX XXXX XXXX ) to work out a solutions. As we worked towards a solution, the interest on the load increased with everything they did. Eventually, they turned the loan over to the Treasury Department to have the payment deducted from my Social Security Account. For nearly two years those payments were deducted from my Social Security Account. In XXXX of XXXX I was informed that the responsibility for the loan had been transferred to ECMC. With added interest, the amount due was then about {$240000.00} - four times the original loan amount. The deductions from my Social Security Account stopped for six months. After six months, ECMC turned the collection over to the Treasury Department. Again, the Treasury Department began deducting the payment amount from my Social Security Account. As of this writing, three payments have been so collected. However, ECMC has continued to call and write me. I see no reason for them to continue to do so. Here 's their most recent email : ============================================================ Date : XX/XX/XXXXECMC Account # :XXXX Dear XXXX XXXX My name is XXXX with Educational Credit Management Corporation ( ECMC ), the guarantor of your federal student loan. You may have received a letter from us recently regarding the default status of your loan ( s ). Student loan default can have negative consequences. The U.S. Department of Treasury may seize your tax refund on behalf of the U.S. Department of Education, you may be subject to a portion of your wages being garnished, negative remarks on your credit report ( s ), and while in default, you are not eligible for any federal financial aid. We are here to help you! Please call me today and we can find the right solution for you. We will work together to establish an affordable monthly payment based on your financial situation. Please call me today at XXXX. Due to the time sensitivity of this matter, please act now before time runs out. Sincerely, ECMC www.ecmc.org/XXXX ============================================================ I am also attaching the most recent informational mail piece from the Treasury Department indicating the deduction of last month 's payment. Please let me know if you need any additional information. Thank you. Regards, XXXX XXXX
10/19/2017	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	HI 967XX	Web
In XX/XX/XXXX I was contacted by ECMC Loan Rehabilitation Company Contact Info : XXXXXXXXXXXX. ECMC Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX They stated I still owed on my school loans and if I paid {$25.00} per month for 9 months they would get me out of default and my taxes would no longer be offset. Since I had n't completed my XX/XX/XXXX taxes as of that time I agreed so I could get some money back on my tax payments. After paying for a few months I had n't received on statement of my account and I had also requested MULTIPLE times to have a record of all payments made into the loan via my tax offset.They would promise info and never deliver ANY information I requested. I received a call on XX/XX/XXXX letting me know I had hit my 9th payment ( total paid {$220.00} ) and now my loans are out of default and now managed by XXXX and they will be taking {$150.00} out of my bank account ever month until XX/XX/XXXX. THIS MADE NO SENSE WHAT SO EVER! I only had a little over {$14000.00} in loans taking on originally - there WAS NO WAY I owed that much. So i then called IRS Taxpayer Advocate Service at XXXX - XXXX XXXX XXXX then informed and confirmed that I had my taxes offset to pay the loan debts in XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$6200.00}, XX/XX/XXXX {$5300.00} a total amount of {$15000.00} been garnished by tax Offset payments to the four Stafford loans I took out in XX/XX/XXXX-XX/XX/XXXX or it may have been the XX/XX/XXXX-XX/XX/XXXX School Year at XXXX XXXX XXXX XXXX. I have now faxed the XXXX XXXX XXXX XXXX at XXXX and faxed a letter requesting all records of Offset payments and to whom they were paid to, dates and amounts to prove that I have almost paid of ( if not ALL paid ) the loans paid via tax interception. Please help as I do not know what to do and do not want this escalating any further - I will be calling a lawyer as soon as I receive the records of offset payments from my tax returns. Contacted XX/XX/XXXX : XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX informed me there was NEVER any payments made to the loans as far as they could tell and that I owed the full loan amounts - Denied any record of tax interception or offset payments made to the loan - I let them know that I had contact the IRS and have confirmed the loans have been 95 % paid if not 100 % paid through tax offset payments starting for XX/XX/XXXX to XX/XX/XXXX. They denied any claim to the loan having been paid at all. Please HELP!!!
05/27/2016	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 95409	Web
ECMC contacted my employer. I had never received any information, telephone call, document, or written correspondence from ECMC. XX/XX/XXXX, the first I heard of them was via my employer. ECMC would not provide me with any documentation, or tell me what I owed, and they made up different names for their customer service people ( the same person referred to himself as XXXX and then XXXX and then joked that he can be whomever he wants ). I looked them up online and utilized their online form ( they would not provide email or fax, and their mailing addresses require you to know what division to write to ) to submit a Cease and Desist. XX/XX/XXXX, ECMC began garnishing my wages through a third-party payroll company, XXXX. They did not contact me, and they did not contact my employer. XXXX did not notify me and will not provide any documentation. XXXX, who is not my employer, but a payroll company, began garnishing the same date they received the notice. ECMC will not produce documents, and XXXX will not produce documents. I live in the State of California ; I am XXXX as a XXXX by XXXX organizations, and I have never heard of something like this happening without any prior notification from anyone. In an online XXXX XXXX " XXXX '' issued by one of the professional organizations to which I belong, it suggests that XXXX notify employees of these actions. I am XXXX, and I was n't notified. In one week, there are more than six hours worth of calls logged to ECMC Internal Collections and ECMC Customer Service. Time and time again, ECMC representatives hang up, play verbal games, claim that the only solution is to start sending them money, and incorrectly state that bankruptcy will not provide a solution. I have no intention of filing for bankruptcy and never will, particularly over something that I do not owe, but I am very annoyed that when you call for one thing, the representatives will waste your time reading information off of a screen that has no relevance to your actual situation. What I wanted and needed was to be notified of this action. Now that it has happened without notification, I want it to cease, and I want to be given actual documents. They claim that the only way to make this stop is to pay them money. I will not pay them money because that would validate something that I do n't even know about. This is XXXX ultimate scam, and I never thought that something like this would be possible in this Country.
03/26/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	LA 70769	Web	Servicemember
I realized my check had a garnishment on it on XX/XX/XXXX, did not know why this was and contacted the employer who had to check to see what it was about, I was not previously notified by either the collection agency or my employer. The employer sent me over a form letter sent to them by ECMC stating I had a defaulted student loan, when I contacted ECMC from the number on the form letter sent, I spoke with XXXX who stated the student loan was from XXXX which was odd since I have only had grants for my higher education, I told her this showed on my credit several years ago and was removed and now they were attempting to re-age this by stating it happened and was received by them on XX/XX/XXXX -- -again this does not make any since. I asked for a copy of the signed loan for verification of this debt, on XX/XX/XXXX and to date have not received this information, however the employer is still taking money from my paycheck. According to the form letter sent they will continue to charge interest while money is being taken from my account. In XXXX I had another company contact me about this same issue and then refused to provide me with the documentation requested, never heard back from them, so ECMC again bought this loan again and this time begin garnishing my money. As I stated to my employer I thought I should have had prior knowledge of this from someone, and did not, also, when I asked XXXX of ECMC about prior contact her reply was someone told her the number I called from was not my number and that they sent a letter ( not a certified letter, just a letter ), which again, I did not receive. So I have no proof that they truly sent the letter and i did not reply nor do I know how they got my phone number, as I did not previously give this number to them to even contact me. I was given reference number of : XXXX to provide to a loan locator at ( XXXX ) XXXX, I again asked for documents proving this loan. I was able to go to a website and pull the same form letter used by this company for a garnishment, which disturbs me that it is that easy to do and then send to an employer who just takes the document ( which has no legal stamp or anything on it ) and begin garnishing money. I would think I could do the same think if form letters and not court orders are necessary these days ... .too much power and authority is given on these student loan collections ... .a loan from XXXX has been written off, how many times.
02/13/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA XXXXX	Web
complaint against EDUCATIONAL MANAGEMENT CORP. I TRIED TO RESOLVE THESE ISSUES, THEY JUST SENDS ME A COPY OF THE PROMISORY NOTE. I ALREADY HAVE A COPY Standard loan of 10 years ( 120 pymt ) before I changed the loan term on 1XX/XX/XXXX to 24 months. My loans are fixed rate which accrues daily interest. On XX/XX/XXXX Conversion on both two loans from XXXX XXXX XXXX XXXX XXXX XXXX transferred to XXXX XXXX XXXX. XXXX Capitalization applied to both loans on dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. While making monthly payments, I missed XX/XX/XXXX. Unsub at 6.8 % and sub loan at 6 %. There's no way that one missed payment in XX/XX/XXXX ( there's no way 1 month daily accrued interest is {$1000.00} ) ( listed as Interest capitalization ). And sub loan at 6 % ( there's no way 1 month daily accrued interest is ( {$450.00} ) ( listed as Interest capitalization ) and sub loan. I kept on making monthly payments none of my extra payments went to principal balances on both loans. On XX/XX/XXXX I requested in writing, email and over the phone that my tqo loans terms be changed as of that day from 10 year to 24months. My unsub I requested that monthly payments be {$400.00} and Sub loan monthly payments be {$210.00}. I had 7 payments and this company violated the borrowers rights by changing # 1 AND # 2 loans to # 3 and # 4 loans and the terms, stating that it was FTC who authorized the change of the terms of my # 1 and # 2 loans. Changed in XXXX of XXXX to two new loans. I never requested any changes on my two loans nor called XXXX. Now come tax time, I received a letter via email stating that tax year XXXX interest was only {$220.00} ; This amount does include payments you made toward loan origination fees and/or capitalized interest on loans made before XX/XX/XXXX. I have never had any loans inXX/XX/XXXX at all. BATE and Switch Recipient 's lenders name on another 1098E for tax year XXXX ( Student Interest received by lender ) ( {$1200.00} ). XXXX, sent to me for tax year XXXX interest was only {$220.00}. Now, I have been making payments to XXXX and receiving 1098E from XX/XX/XXXX-XX/XX/XXXX incorrect reporting interest for each tax years. This company turns around and have there apparent company Educational Credit Management Corporation. Once again this XXXX XXXX mentality taken advantages of XXXX XXXX XXXX borrowers economic income while paying off actual loans that I owed.
04/20/2016	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	TN 377XX	Web
I was contacted by a collection agency for defaulted student loans. I was offered rehabilitation in XXXX XXXX. I agreed and was sent paperwork to sign and return and an automatic payment was set-up. In XXXX XXXX I was contacted and told my loan agreement was not returned. I again mailed the paperwork I had received from the agency. I thought that this was strange because my income/expense information and my payment information were both " received '' and in effect at the time of the call in XXXX. In XXXX XXXX, I was contacted again by the same agency and told that my loan was not in rehabilitation because my paperwork had not been received. I had at this point made XXXX consecutive payments. I agreed to re-sign and submit the documents again. I did so. My new address ( across the country ) was shown on the documents I electronically signed. I was contacted again in XXXX. XXXX. I was told again that my documents had not been returned and that I was not in rehabilitation. At this point, I have made XXXX consecutive payments. The agency sent my " loan agreement '' ( which is the most important document of the bunch ) to my former address even with my correct address on the income/expense and other documents. I am trying to qualify for a home loan and I show that I am still in default. The agency wants me to re-sign the documents for a 3rd time in order for me to begin the rehabilitation process. By the time it is finished, assuming that this time they will send me ALL of the documents I need to complete this program, it will have taken me XXXX months to " complete '' the rehabilitation process. The agency is telling me now that my options are to try to begin again and they have assured me that I will get all of the documents " this time '' or to pay the full balance and still have the default notation which may prevent me from being able to qualify for a home loan until another 9 months has passed or even longer to wait for the notation to be removed. I was told that if I had returned the " loan agreement '' then this would not be a problem. But I do n't think I have ever been sent one. This agency sends documents to " qualify '' for the program including setting up a payment then is supposed to send a " loan agreement '' to be signed and returned. However the only things I have received from this agency are the " qualifying '' documents and the monthly notice of the payment.
06/21/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	GA 30328	Web
The promissory note states that I " must '' provide XXXX separate references. The note that you attached fails to state what you will need that for. Are the references needed to find me in the case that I am not communicative? The question I need you to answer is, if the purpose is to not discuss the defaulted loan with the references, then what was the purpose of calling the references? I also have proof that you have contacted individuals outside of the references listed in the note. Please provide explanation as to why? You state that I failed to " return phone messages from ECMC or to contact our Collections Department to discuss options. '' I am reattaching all of the communications that I have had with ECMC as I was always in contact with your department to seek a just solution. From the onset of my communication with ECMC, I stated my preferred method of communication on XXXX XXXX, XXXX ( please review Communication XXXX ) as my email address. Please refer to the XXXX XXXX, XXXX email ( Communication XXXX ) where XXXX XXXX confirms that " I know that your preference has been email. '' As I have confirmed on multiple accounts my willingness to communicate with ECMC and to find a resolution, please explain why you do not honor this request and contact me via email as this is the method of contact I have requested instead of calling me? Please explain why you continue to call these references, and those who are not listed as my references? If you did not discuss my defaulted loan, what did you want to discuss with those listed as my references and others outside of these references? You state that " ECMC has a continuing obligation to use all methods prescribed by federal regulations to collect the student debt from you. '' If you are attempting to collect from me, and I am communicating with you as evidenced in the communications attached, why were you calling other people? Was it to collect from them when they are not obligated to pay the loan? Currently, I am in communications with XXXX XXXX, your manager in XXXX via email as I have requested to work on a resolution. Please have all of your departments contact me via email as originally requested. Do not call anyone else concerning my loan. And please answer every question in this response. You have not answered these specific questions in any of your prior correspondence.
02/18/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	XXXXX	Web
Consumer Financial Protection Bureau, To whom it may concern, The purpose of this letter is to submit a third complaint against XXXX [ XXXX ], now known as ECMC- the Education Credit Management Corporation . The previous XXXX complaints are under file case # XXXX & file case # XXXX. Back on XX/XX/XXXX, XXXX- Ombudsman at ECMC- responded to my last complaint stating that she determined that XXXX should have refunded my XXXX loan disbursement. XXXX then made the necessary adjustments, but there are still irregularities in the final calculation of my loan balance. As I have previously stated, this loan dates back to XX/XX/XXXX, from which I have been disputing this loan with different agencies ; first with XXXX, then XXXX, and now with ECMC. Even though I have been disputing this loan, I have submitted payments to the amount of {$1700.00} towards the amortization of this loan. Back on XX/XX/XXXX, I submitted a request for a breakdown of how ECMC recalculated the loan balance after having removed {$2500.00} from the original balance. They sent me a new total balance of {$2100.00}, for which {$1.00}, XXXX is principal, {$380.00} interest, and {$410.00} collection costs. In one of their balance sheets, they have a current principal balance [ dated XX/XX/XXXX ] of {$780.00}. I have been disputing this loan, and it was found that I was correct in my claims. ECMC has always had my contact information- of which I have been the one contacting them in this dispute- why are they charging me collection fees and interest when they failed to acknowledge my complaints? How are they jumping from {$780.00} to {$1300.00}, unless this loan is a negative amortization loan? My question to the Consumer Financial Protection Bureau ( CFPB ) is, back in XX/XX/XXXX, CFPB came into an agreement with ECMC regarding the purchase of certain assets of XXXX in which ECMC is to provide debt relief to XXXX students ; how come ECMC has gotten a free bailout pass from the government, supposedly for the sake of many students, but they are still continuing the predatory practices of XXXX? Please respond at your earliest convenience, and thank you in advance for helping combat the exploitative practices of agencies like XXXX, XXXX and ECMC XXXX and protecting victims, such as myself, from these dire cases of student exploitation. Sincerely, XXXX
08/24/2021	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	OK XXXXX	Web
I sent this request on XX/XX/2021 : I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. Account Name : XXXX XXXX Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 2. The date of last activity you are reporting for the below accounts dont match my records. 3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 4. No High Credit limit is reporting on XXXX. The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof. They not only violated the FCRA with their response on claim XXXX but this company attach the wrong Master Promissory Note ( MPN ) to my response. Please see attachment or go back and look at the attachment with their response. I dont know who this is but you have put all of these people at risk of identity theft with your negligence. I dont know who XXXX XXXX or XXXX XXXX is but they will be contacting you soon. I am concern because my personal identifiable information can be floating out here due to the negligence of ECMC. Please take a look at this company and their practices. Im disputing the the information that is reported to the credit agencies. They are only reporting information that is given to them by ECMC. ECMC is giving out other people information and I am worried my information can be floating out there. Why is my account information attached to their promissory note? Please explain.Please investigate and remove this account due to inaccurate reporting. Please see attached proof.
01/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85212	Web	Older American
ECMC is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( ECMC ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, XXXX ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : ECMC obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed ECMC. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. ECMCs agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? Type of disputed information : Access to the credit bureaus by ECMC while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. ECMC is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for ECME to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.
05/08/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	NY 11434	Web
Back in XXXX my loan was paid in full to XXXX XXXX , then in XXXX and XXXX receive mail that my loan is in default and have transfer to another servicer that they claim I sign off. But they ask me to send them a letter stating my loan has been paid in full, I did. During that time my taxes was garnish and was return back to me. Back in XXXX I file bankruptcy due to hardship hv been going through. I call the servicer to let them no my situation that am partial homeless and do n't have a place of my own and stay with different family and friends as allow, I even told them about the student loan have been paid in full, but the insist that I own them a balance, that XXXX XXXX transfer my loan to them. Now my cousin that I was staying with back in XXXX told me that I hv mail from student loan. To my surprise my loan has been transfer to perform ant recovery, inc. I contact them and explain my situation but I was told that my servicer EDUCATIONAL CREDIT MANAGEMENT CORP IS THE NEW SERVICER. They gave me their phone number, I called them and let them know my situation and told them the loan has been paid in full. They gave me email address of customerservise@ecmc.org . and XXXX XXXX XXXX of XXXX XXXX XXXX XXXX , XXXX , MN XXXX . Isent them a brief letter of what am going through and that my loan has been paid in full. I call spoke to different people even spoke to supervisor that okay u will still try to pay them since I ca n't find my paid in full letter because of my homeless situation, I told them I have lost everything, all my document and personal belonging can not be found but instead of the loan servicer giving me problem, I will like to pay them again if they will delay my loan till I found good job. But they refuse that I have to go and work with the collection agency fo r 9month th en my loan will not be in default then they can work with me. I told the I will like to put my loan in defarement they refuse, I have exhurst everything to work with me bcos of my situation but they will not listen to me or even consider m y situation.. Loan servicer. EDUCATIONAL CREDIT MANAGEMENT CORP. My XXXX XXXX loan number is XXXX XXXX . The lender fiscal address is XXXX south XXXX XXXX , XXXX XXXX . XXXX , MN, XXXX . Phone number is XXXX
06/16/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NY 14207	Web
XX/XX/XXXX Federal tax offset amount {$1000.00} XX/XX/XXXX Federal tax offset amount {$4800.00} XX/XX/XXXX Federal tax offset amount {$5600.00} XX/XX/XXXX Federal Tax offset amount {$3700.00} XX/XX/XXXX Federal Tax offset amount {$4600.00} XX/XX/XXXX loans were consolidated by XXXX no business was done with XXXX prior to those dates. Payments were made during that time low interest rates occurred. Due to hardship loans were written off in XX/XX/XXXX. XXXX claimed they did no more reporting to the 3 Credit Bureaus after XX/XX/XXXX. Information was altered after that date per all 3 Credit Bureaus. What was once a signature loans made with a Bank was changed into XXXX as far back to a from XX/XX/XXXX During the Tax Years from XXXX XXXX- XX/XX/XXXX there has been a federal Tax Offsets. Totaling the amount {$19000.00}. I have contacted the Company Educational Credit Management Corp for any proof or a copy of Judgement that was ordered by a court. I have never received no response. Per XXXX Credit report it states the amount {$25000.00} that Educational Credit Management claims is closed and hasn't been updated since XX/XX/XXXX. Per XXXX it states Loan ( 1 ) with XXXX is 100 % paid and closed and Loan ( 2 ) with XXXX is 100 % paid and closed. Due to recent events of Someone ( s ) attempting to use my personal information to apply for loans ( fraud ). I have received documentation in XX/XX/XXXX from XXXX XXXX and XXXX that there are no outstanding credit card debt or outstanding loans owed. As well as a falsified Address being used in another State ( XXXX XXXX AR ). But yet Educational Credit Management Corp continues to take my Federal Tax return just as recent as XX/XX/XXXX. When I spoke to a Representive/Supervisor after XX/XX/XXXX she said I will never get my money back and she said I still owed well over {$26000.00} I am also sending a link of complaints filed with the XXXX XXXX XXXX from other consumers. XXXX XXXX XXXX Resolutions is I have made request for documentation for any Court Ordered Judgement, dates of proceedings and amounts which I have never received. I have requested the amount of {$19000.00} to be repayed to me which I was told I would never get my money back. I would also request that the other consumers complaints be investigated as well.
07/07/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	CA 90292	Web
Dear Sir or Madam of the Bureau of Consumer Financial Protection, I am requesting assistance in resolving previously disputed accounts with ECMC that have remained unresolved for over two years. I have previously disputed these XXXX accounts to no avail through the CRA dispute process. ECMC continues to confirm and report the wrong date of first default. I have a total of XXXX accounts that were sent to ECMC from the original creditor ( XXXX now XXXX ) on XXXX/XXXX/XXXX. XXXX no longer operates. I have requested ECMC to correct my " date of first default '' to the correct date provided to me by the original creditor ( see attached ). In another attempt to correct the information, I contacted ECMC on XXXX/XXXX/XXXX around XXXX am to request they update all of my credit reports with the correct date of XXXX/XXXX/XXXX. I was told by a CSR that " they do not have the date of first default in their system and they ( ECMC ) are using the date they received the account as the date of first default. I told the CSR for ECMC that the date they are sending is incorrect and provided the correct date and was told they " have no way to verify that '' and it would stay as is regardless of my paperwork. In turn on XXXX/XXXX/XXXX at XXXX PST, I spoke with a customer service representative for original holder ( XXXX ) with an employee ID of XXXX and requested documentation to confirm the date the account first went delinquent. On XXXX/XXXX/XXXX I received written confirmation from XXXX that in fact the date the accounts first went delinquent was XXXX/XXXX/XXXX not the date of XXXX/XXXX/XXXX that ECMC has been reporting since XXXX/XXXX/XXXX. I requested that ECMC remove all XXXX of these accounts from all of my credit reports as they stated they were unable to verify the correct DOFD and stated they " use the day the receive the account as the DOFD '' in credit reporting. I ask that the Bureau of Consumer Financial Protection address these FCRA violations. I also request that ECMC remove all XXXX accounts from all credit reporting agencies as they continue to violate FCRA. Attached you will find the written confirmation of the correct DOFD for all XXXX accounts and the XXXX trade lines as they appear on my report. I ask and pray for assistance as this causes stress and harm to me.
09/03/2018	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	CA 92806	Web
On 2009, my XXXX year old daughter and I inquire at XXXX College ( formerly XXXX XXXX College ) about their XXXX XXXX XXXX ( XXXX ) course. The person on Admission explained to us that there are Government grants that they can help my daughter to get into the Program. Next thing I knew, they made me sign some papers without disclosing to me anything, but as a parent of the student because If they disclose that I will become a co-signer or will owe some, we will not proceed. Couple of years later, I started receiving Invoice from a company called ECMC that I owe them from XXXX College. Because of my Ignorance at that time, i made few payments of $ 300-350, then when I miss some payments, ECMC wrote me a letter saying, just make a payment of {$100.00} per month for twelve months, the loan will be finished. So, I did gave my bank information and they were taking automatic payments for one year. Later on, I received Invoice or bill from company XXXX and said, it was sold to them. I started to keep wondering, how did this ever happened well in fact i never signed anything from the school. I heard about loan forgiveness from a lot of companies soliciting on my phone until I encountered and speak with a representative from " XXXX XXXX '' Company and they promised that they will help me convert this loan to " loan forgiveness from President Obama. So, I pay them {$500.00} processing fee and have been arranged to pay {$35.00} per month but I must pre-qualified or apply every year. Now, they were saying I got denied and must start paying {$280.00} per month. I said to myself, that's it, this is not my loan, I was not disclosed and provided documents that explains I owe this loan which is now {$35000.00} plus. I called and ask help from our Congress maker Mr. XXXX XXXX that handles Federal Level / Department of Education Issues or Complaints and Mr. XXXX XXXX and XXXX told me to follow the process. Please help me get this unauthorized loan that was just passed on to me because I was just a parent who not knowingly aware what I was signing at that time. Over this years that I was so stressed, worried and overwhelmed with this problem, I became sicker as a XXXX XXXX year old mom. My XXXX XXXX XXXX was getting worse and thinking I will just die with this problem.
05/30/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33647	Web	Servicemember
On XX/XX/XXXX , I went to the gas station to fill up a loaner while my car was repaired. Much to my surprise my card was denied. Another customer told me there 's was also so I assumed it was the gas station and went down the street. The same thing happened but this time I decided to call XXXX XXXX be cause I was in a rough area. Much to my surprise I was told my account had a hold and given a toll free number to call! I called eight times and only reached voicemail - finally I left a message. The following day I called again - this time I reached a person. I was advised I had a tax debt to the State of XXXX fro m XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX . Is n 't there a statue of limitations? Do n't they need to advise me? Not to mention I live in XXXX now. The representative asked me how much was on hold and where I banked. Assuming they already knew, I gave her the information. The representative told me the only way she could release the hold was if I paid in full by credit card. I tried to reason with the representative and explain the hardship - that coincidentally my lights were cut off and I was already experiencing financial hardship after the death of my mother. Can I make payments? No. Regardless, that they took every dime I own. I hung up the phone and called my bank as well as the State to no avail. While I spoke to the bank, I pulled up my bank account and noticed a debit for {$1200.00}. While I was asking for an arrangement the representative processed a debit! Surely, this can not be legal! To imagine the State of XXXX allows malicious collection activities at the discretion of Premiere Credit! I can not explain the hardship this has caused - currently I am unable to pay m y XX/XX/XXXX re nt, I borrowed a payday loan in order to restore my electric, my car payment was past due ( fortunately they deferred my payment ) and my car insurance is due. I attempted to prevent my next check from being direct deposited but it appear s it may not have been processed - so they will consume another {$1500.00}! I just received a notice from XXXX about the hold/levy o n XX/XX/XXXX .
04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33137	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ECMC for committing identity theft. I have never given ECMC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant 15 USC 1692c ( c ). I am demanding a cease a desist of all illegal activity, any communication and collection activity of this and any alleged debts until ECMC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced with the original instrument and not a promissory note and ECMC continues its collection efforts, I will file for litigation for actual damages caused and ECMC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Note : The original creditor XXXX Rhode Island XXXX XXXX charged this debt off and canceled it with a 1099-c and I filed my income taxes and filed this as earned income. Earned income shouldn't report on my consumer report. I never had a trilateral contract with ECMC. I only had an agreement with XXXX. I have documentary evidence ECMC practices & commits unlawful racketeering activity pursuant to 18 U.S. Code 1961racketeering activity means any act or threat involving extortion, dealing in obscene matter. Furnishing 2 collection to my consumer report that has not been validated as a means of coercing me to pay an alleged debt is a violation of 15 U.S. Code 1692d ( 4 ) and I reported ECMC to the FTC for debt parking. I DEMAND ECMC to delete both accounts ( below ) and have XXXX, XXXX and XXXX DELETE both accounts immediately or I will sue them for breaking my federally protected rights as a consumer. DELETE ECMC \| Account # : XXXX \| Balance : {$6400.00}. ECMC \| Account # : XXXX \| XXXX : {$10000.00}
09/09/2017	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 78250	Web
I was sent a letter from ECMC Group where I was given the option to " request a hearing in front of a judge '', on supposed student loan debt of over {$70000.00}, or they would proceed to have what little monthly income I make garnished. Note that my original loan amount in XXXX was only for {$18000.00} and I had paid a lot of that back. I have been barely working part time over the last several years and even had a recent bankruptcy to save our meager home from being foreclosed. How is it possible that " maybe $ XXXX {$10000.00} '' has become over {$70000.00}! There 's no way I 'll ever be able to pay this. I 'm at the point where I 've even considered XXXX. I have applied for many, many, jobs over the last several years and the prospective employers ca n't confirm my XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA, where I graduated in XXXX. XXXX went out of business shortly after I attended. It 's like they never even existed! I think the perspective employers think I lying about going to school? The diploma is 100 % invalid. I 'm hoping to have the student load debt discharged. {$70000.00}? I was given a form from ECMC Group to fill out for a hearing in front of a judge. I had the option of emailing it back to them ( ECMC ), which I did promptly. I never heard anything back. Well, the only company that I get some work from notified me that my wages were being partially garnished by ECMC Group 2 1/2 months ago. WHAT HAPPENED TO MY REQUEST TO A HEARING? They defaulted on my hearing. Now, of coarse I 'm not working at all. The one company I had to put at least a little food on the table has n't called me in over a month. I have proof I emailed the request back to them. It did n't " bounce back ''. They got it and ignored it on purpose. They broke the rules and I think that alone should clear me of owing any more on this ridiculous fraudulent insanely overstated loan. Needless to say I 'm also unable to confirm I ever went to school. Note that in the form it has the option listed that I can email the form to them. See attached proof I sent the email. Thank you for your time in this matter, XXXX XXXX.
10/02/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32810	Web
XXXX XXXX of XXXX, CA collected - through garnishment- an old student loan account for ECMC XXXX 1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from ECMC once I contacted ECMC about the matter. XXXX XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with ECMC. 2 ) Account Technologies over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with ECMC and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX XXXX ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 ) XXXX XXXX has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around. I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to ECMC, but the monies were sent to them directly and they have never recorded it so that ECMC can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.
06/28/2017	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	TN 38016	Web
Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect since XX/XX/XXXX. Acct number XXXX Company named ECMC is reporting paid account open on XXXX and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state regions was the original creditor I never received student loan through regions my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on XXXX and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX and ECMC orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
05/18/2016	Yes	Debt collection Federal student loan	Communication tactics Called after sent written cease of comm	FL 32082	Web
I have had XXXX issues with my federal law school lender ECMC/XXXX. I am not alone, it is a potential class action lawsuit because many borrowers have had the same experience with ECMC. In 2007, I was laid off and defaulted on my federal loans. I contacted XXXX to rehabilitate my loans. They promised if I made XXXX on-time payments they would place my loans with a new lender and rehabilitate them. I made the payments but the financial crisis happened and XXXX breached its agreement because they could not find lenders to buy student loans. So they did't rehabilitate my loans and just disappeared. Eventually, maybe 18 months later, XXXX was bought by ECMC. ECMC added tons of collections fees to my loans and refused to honor the rehabilitation deal with XXXX. Debt collectors harassed me despite my written complaints and ECMC refused to provide me with my/XXXX XXXX and a breakdown of my debt/fees. ECMC garnished my wages without notice, garnished an impermissible amount ( XXXX % ) and then denied me arbitration. Internet message boards show many consumers with these same complaints against XXXX/ECMC. The ECMC Ombudsman was nice but ultimately could n't help me and ECMC issued notice that either I agree to their amount and pay, or not pay and remain in default. There is no option to pay while I continue to dispute the fees. If I make a payment to them I am agreeing to an additional $ XXXX in fees!!!! My loan was for $ XXXX and now ECMC claims it is $ XXXX with fees! I am trapped. ECMC responded to me that Federal student loan issues fall outside the CFPB protections because of a recent lower court case. The Dept of Ed Ombudsman will only verify the amount owed ( although they did find errors and made a reduction ), they will not help with substantive disputes. I offered to negotiate to pay a settlement to resolve this but ECMC wants me to pay them $ XXXX! I only borrowed $ XXXX!! have you ever heard of a settlement for 20 % more than the amount borrowed?!?! I have hundreds of pages of documentation/correspondence to verify the above.
01/18/2020	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	VT 050XX	Web
I had a student loan account in delinquency. It was obtained by Educational Credit Management Corp ( ECMC ) in XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. ) While I was paying on my student loan prior to this acquisition, I was unable to pay during a period of time when ECMC owned the loan. They've subsequently reported this as 14 separate delinquencies on my credit report. Some of these delinquencies are as small as {$160.00}, and could have easily been paid in full. However, I was not given the option to pay 14 smaller debts. Only one large and unmanageable payment. In XXXX, I successfully refinanced this student loan. I've made payments on time 100 % of the time, using the income driven option to make it manageable. It took quite some investigation to even find the loan, as ECMC did very little to communicate with me or help me get back on track. In trying to obtain a mortgage, I disputed the 14 delinquencies with all three credit bureaus, hoping it could be listed as one debt. I agree that lenders should know about this default, and I understand that student loans are sometimes broken into years or semesters, but 14 exceeds both these numbers. I can not wait seven years for that many negative marks to fall off my report. In response, ECMC reported 14 XXXX dollar, refinanced debts as STILL in collections for XXXX, XXXX and XXXX, XXXX. ( It was listed as closed XXXX, XXXX before I filed the dispute. ) In response to my request, they added more incorrect information to my report, making it nearly impossible for me to obtain credit. ( It seemed almost like retaliation. ) If they don't own the debt anymore and were paid by a refinance, can they still list it as " in collections '' or " charged off? '' I've contacted ECMC as well. I can not redispute the details with XXXX ( who listed this change first ), because I've already filed the initial dispute, and I'm not sure I have any recourse with the other agencies if it is similarly reported in this inaccurate way. Please help. I'm not sure who else to turn to ... Thank you!
03/27/2017	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	CA 90250	Web
ECMC has began reporting an account to the credit bureaus without contacting me and verifying the debt first. I have not been contacted by ECMC in any way ( mail, phone, e-mail etc ... ) and given the opportunity to address the alleged debt that has been placed in collections on my credit report. I attempted to contact ECMC via certified mail, with the address provided in the credit report which was listed as being XXXX XXXX, MN XXXX. According the the post office tracking number my certified mail is being " returned to sender '' due to that address being unknown. Since I have n't been successful in contacting ECMC via mail, I am submitting this complaint. Below is essentially the body of the letter I sent to ECMC on XX/XX/2017, which has been returned to sender. -- -- -- -- -- -- Dear ECMC, This letter is in regards to item/account being reported to the credit bureau ( s ). I have not received any correspondence from your company attempting to collect a debt. I have not been given the opportunity to address this alleged debt with your company before you began reporting to the credit bureau ( s ). Please cease reporting this item/account ( alleged debt ) to the credit bureaus until the alleged debt can be verified. This is not a refusal to discharge any debt that I may lawfully owe ; In fact, I agree to discharge any debt that I may lawfully owe, once the alleged debt has been verified. What is being requested as validation and verification of the alleged debt is listed below. 1. Verification of the debt, which includes the actual accounting 2. Verification of your ( ECMC ) claim against me ( XXXX ) ; that is a signed invoice 3. The contract binding both parties ( XXXX and ECMC ) Upon receipt of the above requested items, the proper actions can be negotiated between me ( XXXX ) and your company ( ECMC ) to discharge the debt. Until the debt can be verified, as mentioned previously in this correspondence, please cease reporting this alleged debt to the credit bureau ( s ). Thank you, in advance, for your prompt attention to this matter.
03/17/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	LA 70806	Web
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX disputing the companys assertion ( by letter dated XX/XX/XXXX ) that I owed {$710.00} on an unspecified student loan from the late XXXX, when I was enrolled in XXXX school. I had only two student loans throughout my 18-month tenure in XXXX school, both of which were paid in full by XXXX. I sent a certified letter on XX/XX/XXXX, disputing the debt and demanding that within 30 days, the company send to me the following items : 1. The name and address of the original creditor ( The original creditor was NOT Educational Credit Management Corp.. ECMC was a debt collection agency that bought the debt from the original lending authority, which neither company has ever disclosed. ) 2. The signed loan documents and account number associated with the debt ; 3. A copy of the last billing statement sent by the original creditor ; 4. Documentation from the original creditor noting default, amount owed at the default, and the date and amount of any payment or credit applied after default. Not only did XXXX XXXX never provide me with any of the documentation I requested as proof of default on a 30-year-old student loan, but also the company did not respond within the allotted 30 days. In fact, the company did not respond at all, yet, somehow garnished my federal income tax return this year and took {$600.00} from me that, according to the Fair Debt Collection Practices Act, is not legally due the company. If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, which I did, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Verification should include at a minimum the amount owed and the name and address of the original creditor. None of this information was provided to me. The company can not legally garnish a citizens tax return without proof of the debt. This is egregious behavior and in violation of the law. Sincerely, XXXX XXXX
07/01/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	UT 84403	Web
I paid on my student loans consistently from XXXX. I had to stop due to a family crisis and business failure that eventually led me to file bankruptcy in XXXX, XXXX. The case closed in XXXX of XXXX and the majority of my debt discharged. I immediately had my attorney contact the third party student loan collector on XXXX XXXX, XXXX. Rather than communicate with my legal counsel, they sent a form for my attorney to fill out authorizing them to talk to him. This is despite the fact, he had an authorization attached to the original letter. He sent the " Authorization to Disclose '' provided by ECMC. The authorization was lost. ECMC would not even communicate with my attorney for over a year. They denied getting the " Authorization '' and another was sent on XXXX XXXX, XXXX. Once the authorization was finally acknowledged, my attorney requested a hearing, but the hearing request was ignored. My attorney asked for an accounting and for all the documentation held by ECMC. On XXXX XXXX, XXXX, we received a letter explaining that they did not have any information on my prior payment history and the only information they were able to provide was a copy of the original promissory note from XXXX. I still have not received any accounting for all of the payments I made and the net result is I have student loans that exceed the original amount, even though I paid on them for seven years. In addition, I am being penalized for hiring legal counsel, since much of the recent delay has been by ECMC 's lack of communication with my legal counsel and the denial of his request for a hearing. My tax refund for XXXX was seized by ECMC. Their sole objective seemed to be to add the collection costs of 24.34 % on to my student loans. I have no problem paying my obligations, but I 've unnecessarily been placed in default and collections, when simply working with my attorney after my bankruptcy an appropriate repayment plan could have been reached. Now the defaulted loan is impacting my security clearance.
09/10/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	CO 80011	Web
Repeated Loop. Again and again. No way out. I 'll set up auto withdrawal. But because the loans are not all consolidated, I lose track of them. Suddenly, I 'll get calls and letters. Then find out a loan has been defaulted for few months. I 'll call new servicer, set up auto withdrawal again. Then get calls several months to a year or two later, another loan defaulted. Finally asked. They said the loans are being sold to new servicers, but they never bother to tell you, that need to set up new payment, or that they will auto transfer the payment. Once loan sold, auto pay just stops. They could at least say its being moved. They are constantly being moved. All the payments I try to make yup stay afloat are a waste because once the loan had changed hands, the interest and fees just bring it right back to where I started years ago to repay the loans. Another incident, were they advised they were putting the loan into some other standing and asked for paper work. I literally mailed, faxed, emailed Evey month for almost a year and half and they still call saying the signature and documents have not been received for the loan transition. Today they still regarding this. I do n't understand. Why, if we are on the phone and I fax it to you while we are on the phone you still dont have it and the account is in default again. How?!?!?! does one keep up and stay on top of their loans when the servicer is not doing their job to help the student, who are trying. Its hard enough to try to make three payments, why do the services make it harder by switching hands, not informing you, not transferring the payments instead of just stopping them altogether, if going to stop then notify. and get the paperwork and documents straight. Keep all notes and documents intact. How can you not receive it, plus have verbal confirmation and I keep them on the line many times but still its not correct. How?!?!?! I ca n't do their job for them, but if I could I guarantee it would have been handled correctly.
04/15/2021	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	LA 70117	Web
On its website, ECMC states, " ECMC has ceased all collections activities on defaulted student loans until XX/XX/2020. The only exception is if borrowers wanted to pursue a voluntary resolution to their debtin which case they were assisted with that resolution. '' We were a few months into the pandemic before I was told that their statement didn't apply to my defaulted student loans. It was true. My credit report shows that my loans stayed in collection status until they were paid in full when I consolidated them. I would have moved a little faster on the consolidation had they not assured me on their website that " all collections activities '' on my accounts had been stopped. My loans were FFELP loans. So, although the statement on their website didn't specify which kinds of loans they'd cease collections on, the truth is that they weren't forced to stop collections on my accounts, so they kept reporting me as being in collections. Recently, the White House moved to retroactively include borrowers like myself, who weren't covered by the CARES act, in this financial protection. Companies like ECMC are expected to charge no interest during the time of the pandemic and to retroactively stop collections activity. The credit reporting agencies have asked to be " understanding. '' I filed a dispute with XXXX for a second time ( the first having been about my being told that collections had ceased when they hadn't, and my being reported as in collections for loans that, after being in an income-driven repayment plan, still, today, on my credit report, show a monthly payment of {$0.00} due while I was in collections ) about ECMC 's reporting. I didn't ask for a refund of the random amounts of interest they charged to my loans monthly, and sometimes twice a month, during the time which, now, they've been told that no interest should have accrued. I just wanted the collection activity to be removed from my report. They refused.
09/24/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	VA XXXXX	Web
In XXXX XXXX, I learned from the IRS that my XXXX Income Tax return had been confiscated in the amount of {$1000.00} by a debt collection agency - ECMC working with Premiere Credit in XXXX, Indiana. Prior to this event, I had not been contacted by either agency, ECMC or Premiere Credit. After learning of this event, I contacted ECMC/Premiere and asked for proof of the debt, when the debt was submitted, and who submitted the debt. I was informed by ECMC/Premiere Credit that the debt was submitted to them by XXXX XXXX in XXXX XXXX with total outstanding balance of {$17000.00}. I immediately contacted XXXX XXXX Default Recovery Department and it was confirmed by XXXX that no information had been submitted to ECMC for collection and in fact, XXXX does not use that agency for their collection process. In XXXX XXXX, I worked with XXXX XXXX Recovery to settle the same debt in which ECMC/Premiere Credit is attempting to collect, based on the information ECMC/Premiere Credit supplied to me. A letter regarding the settlement of the account with XXXX was submitted to ECMC/Premiere Credit. ECMC/Premiere Credit immediately discounted my letter and my contention that XXXX denies submitting a debt claim to their agency/ My concern, and complaint is that ECMC/Premiere Credit never attempted to contact me, via phone or mail, regarding this alleged debt prior to taking punitive actions. Upon being informed by me that the debt had been settled in XXXX XXXX, I was immediately threatened with a garnishment as their next recourse of action. It is my contention that this debt is not owed and the proof ECMC/Premiere Credit provided is a duplicate of a debt that was previously settled with XXXX XXXX Recovery Department in XXXX. XXXX Recover can verify that the debt was settled and satisfied within their recovery process. In addition, XXXX denies submitting any debt owed or information to ECMC/Premiere Credit for collection on their behalf.
01/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN XXXXX	Web
While checking my credit reports I discovered a collection listed by XXXX XXXX XXXX XXXX XXXX Act. # XXXXin the amount of {$1000.00} I immediately sent XXXX XXXX a certified letter requesting verification. I received no reply whatsoever. I pulled another credit report 30 days after XXXX XXXX signed for the original letter and the collections account had not been removed or marked as diputed as required by Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I then sent a second certified letter and again got no response From XXXX XXXX. As of a XX/XX/XXXX Credit report pull the collections item is still on my credit report and there is no notice of dispute, ( a violation of the Fair Debt Collection Practices Credit Reporting Act, and the corresponding local state laws ). I filed a complaint with CFPB. in their response, XXXX XXXX did not address any of the issues in my complaint but instead mentioned about some account from XXXX XXXX which I know nothing about.They did not address at all the XXXX XXXX XXXX Account, which was the subject of my certified letters to XXXX and my complaint to the CFPB The sloppy procedures and erroneous reporting of XXXX XXXX XXXX XXXX XXXX result in their non compliance with Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws and is causing me financial harm, In summary, it has been over 3 months since XXXX XXXX received and signed for My first certified letter on XX/XX/XXXX and to date they have not provided me with " validation '' ; that is competent evidence that I owe them this debt and their inability to do so requires that they remove the item from my credit reports. I could not even get a response from hem until I filed my original complaint and when they responded to the complaint their response did not address The XXXX XXXX XXXX account which was the subject of the complaint.
05/24/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	PA 171XX	Web	Servicemember
I have had my student loans dismissed because of my XXXX. I called Educational Credit Management Corperation ECMC XXXX and inquired about this loan because according to my credit report these loans were opened on XX/XX/XXXX in the amounts of {$1900.00} {$1300.00} {$4600.00} {$2500.00} and they are reporting this as paid collection charge off.I questioned it because I know for certain I didn't open a loan during that time. I called to inform them that this account might be fraudlent because I am a victim of the equifax data breach. I called and spoke to a represesntative who stated that I opened these accounts in XXXX and that the date opened that I see is actually the date my account defaulted on my loans. I informed the representative that they were illegally and knowlingly reporting misinformation to the credit bureaus. This company has been doing this for years knowing that if they reported the correct date they wouldn't be able to report that account as a charge off and that payment information wouldnt be impacting my credit negatively. This affects the age of my credit file as well. I have my primisory notes as well these loans were discharged by the federal government because of 34 CFR 685.213 - Total and permanent disability discharge I fall under veteran part of this. I became XXXX XX/XX/XXXX and they have been reporting this information since then. I am trying to buy my first home and have worked very hard to clean up my credit with no help from any agencies or lawyers. Since I've been doing this now my file is very limited. I can't even get a credit card because of so many charged off accounts and how recent they are. The customer representative said that these would stay on my report until XXXX even though I just informed her that the company was reporting misinformation to the credit bureau. I have contacted the credit bureaus about this to clear it up but this company is doing some illegal practices.
12/07/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	AR 71901	Web
In XXXX, I consolidated my various student loans into two loans -- one for subsidized loans and one for unsubsidized loans. My original lender was XXXX XXXX. Those loans were then passed to XXXX XXXX XXXX and are now held by XXXX XXXX. In XXXX, I lost my job and fell behind on my loan payments. I did n't pay much attention to my credit for many years. In late XXXX, I received a forbearance from XXXX XXXX. In XXXX, I started looking at my credit report and trying to pay off and repair as much as I could. I found an entry from Educational Credit Management Corporation ( " ECMC '' ). The ECMC website states that it is a guarantor of student loans. I also received several letters from collection agencies of ECMC. On XXXX XXXX, XXXX, I wrote to ECMC requesting verification of this debt. On XXXX XXXX, XXXX, ECMC wrote to me that it was unable to locate my account. I wrote to ECMC again on XXXX XXXX, XXXX, requesting verification of the debt. I have never received a response to this letter. In XXXX XXXX, I submitted an income-driven repayment plan request to XXXX XXXX, and that request was approved. I also submitted the IDR plan request to ECMC. I received an automated responses statement it had been received. I have never heard anything else from ECMC. Either ECMC or one of its collection agencies is calling me and my family. The persons refuse to identify themselves or state what business they are calling from. They state only that they are calling about one of my student loans. I believe that the loan ECMC is referencing is a duplicate of one of the loans held by XXXX XXXX. The only way ECMC could collect from me would be if ECMC had paid part of one of those loans, but ECMC had never provided me with any documentation of payment. ECMC is harassing me and my family and ruining my credit ( I have fixed quite a bit of it ). ECMC will not respond, and I do not know what else to do.
02/11/2021	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89169	Web
On XX/XX/XXXX I, XXXX XXXX XXXX, received a call from ECMC ( Education Credit Management Corporation ) violating 15 USC 1692c. I have sent them a Cease and Desist Letter/Debt Validation Letter/Affidavit if Truth/ Invoices and it was sent Certified Mail with a return receipt received and signed on XX/XX/XXXX. Upon XX/XX/XXXX, I was harassed and threaten with garnishment of wages by telephone and received threatening documents, ( violation of 15 USC 1692d ) sent through the mail to my mailing address. According to the The FDCPA I demand remedy for XXXX in a check by mail only. Also they are in Violation of the TCPA which I demand an additional XXXX for each day afterwards, which are the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I seek remedy for this for a total of XXXX in a check along with my additional invoice sent to them. Pursuant to 15 USC 1681 and 15 USC 1692f they have reported false information and I would like these accounts removed with specified remedy pursuant to 15 USC 1692k. This is a Third Party Debt Collector and I have asked for Validation NOT VERIFICATION pursuant to 15 USC 1692g, which they have not produced or responded too. I sent a Letter asking for this information on XX/XX/XXXX with a response from XXXX, not Validating but verifying an " Alleged '' debt. On XX/XX/XXXX, I received an return receipt after sending the Validation Letter, which is attached but they stated on the phone they had not received anything for this year. Still no response received. Pursuant to 15 USC 1692j, According to ( U.S. v.s Throckmorton, 98 US 61, at Pg. 65 ) ECMC has committed fraud and there is no Statue of Limitations on Fraud and I have no contract with ECMC and would like this removed from my Consumer Report pursuant to 15 USC 1681a and payment sent to me. Please help me resolve these matter. Please and Thank You
05/08/2017	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	CA 94519	Web
Received a missed call to my business phone number on XXXX / XXXX / XXXX at XXXX XXXX XXXX from XXXX XXXX XXXX XXXX . They did not leave a message. Received another call to my business phone number on XXXX / XXXX / XXXX at XXXX XXXX form XXXX XXXX XXXX XXXX . They did not leave a message. I called the numbers back from my personal cell phone to find out who the calls were from. Both phone numbers picked up with an automated system for " ECMC ' s default management. '' On my phone call to XXXX XXXX XXXX XXXX on XXXX / XXXX / XXXX at XXXX XXXX I was connected with a representative. The representative asked me for my personal social security number or account number and I let her know that I was calling because I received missed calls. She asked for the phone number that they had contacted and I let her know that it was the business phone. She gave me the name of someone that I know and I let her know that the number they reached was the business line and that the person that they were trying to contact was not allowed to take personal calls at that phone number and to please make a record of that fact. She pressed on and told me that they were attempting to garnish this individual 's wages and that they were going to file a non-compliant employer for my company at the address XXXX XXXX XXXX XXXX XXXX , CA XXXX . I told her that I was not associated with that address. She asked for more information, but I told her that I was not at liberty to provide any information and asked that it be recorded that the person their company was trying to contact was not allowed to take personal calls at the business phone number. I feel that I was given private information about an individual that violated their privacy. Thank you.
10/28/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	PA 18042	Web
For the last 10 years I have been in communications with ECMC ( Educational Credit Management Corporation ) and its debt collector XXXX XXXX XXXX. Most recently the harassment has been several times a day, receiving 2, 3 and 4 envelopes in the mail every day, email and phone calls from ECMC, yet they refuse to process or even acknowledge the thousands of letters, emails, phone calls, forms, etc I have sent them in the last 10 years disputing the student loans, and requesting a hearing. I have spent hundreds of dollars in countless mailings, by sending them the forms they require for disputing the debt over and over and over again. They have refused to process any of my forms, have no records of my treasury offsets for 5 years, have no record of the payments I made on the loan, and have exponentially increased the face of the loan by refusing to process anything I send. I now dispute the entire debt, and all Federal Loans. ECMC have refused to schedule a wage garnishment hearing, even though they are required by law to schedule one. They have blocked my email and phone number, and continue to harass me on a daily basis. My degree was a worthless con job and fraud, in a field where I am blocked from employment because the degree I earned is no longer a recognized degree, and my state will not allow any of us to be employed as per their laws and regulations. I have been displaced from the workforce for 12 years, and have only earned a max of $ XXXX {$15000.00} or less annually each of the last 8-10 years. They continue to harass me with wage garnishment letters. Taking out a student loan was the biggest mistake of my life. I have attached the threat to garish wages mailing that I receive every day. I have sent the forms back dozens of times, and they continue to refuse to schedule the hearing.
09/19/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	PA 17315	Web
Good Evening : In XXXX, I went through a separation and subsequent divorce. My student loans at the time were financed through ECMC. I requested to make partial payments until I was financially stable again and was told that I had to make full payments or my loans would go into default. I could not afford full payments at the time. Through the separation and divorce, I was forced to file for XXXX XXXX bankruptcy. I made 5 years of monthly payments, which included regular payments to my student loans. Despite payments going to the student loans, I was not given credit for these payments. My loans remained in default and very sizeable default fees and interest accrued. I contacted ECMC about this matter and was told this was policy and federal law. Upon finishing up my 5 years of bankruptcy payments ( all of which were on time ), I was told by ECMC that if I made 9 consecutive monthly payments, that my loans would be taken out of default. They then would begin to work with me to waive the default fees and interest accrued. After my 9th payment was made, my loan was sold to XXXX. Nothing was waived, adjusted, etc. My loans that were {$56000.00} are now {$110.00}, 000. XXXX is attempting to set me up on a payment plan of over {$800.00} a month for 30 years. According to their calculations, this will have me paying {$280000.00} upon completion of this payment plan. That is over 5 times the amount of my student loan amount. I attempted to contact ECMC on XX/XX/XXXX to inquire about the fee and interest waivers, but I was bounced around to 3 different people, who provided me with a total of 6 telephone numbers to call. I have read multiple articles on XXXX and their deceptive practices. I am fearful of what my student loans will turn into through this company after the previous inflations.
08/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 553XX	Web
Hi, I received a phone message from someone named " XXXX '' ( sp? ) supposedly from a company named " Premiere Credit XXXX XXXX XXXX '' calling on behalf of the " Indiana Department of Revenue. '' The phone message did not leave any details, but instructed me to call ( XXXX ) XXXX. They also gave me a reference number. I called back. First of all, it was VERY difficult to get through. LONG hold times, and kept wanting to have me leave a message, which made me wary. Anyway, when I got through, it was very confusing. It was hard to understand the person I was talking to ( perhaps calling from some foreign country? ), and they were not clear about why they were calling me with the exception of the fact that ( they said ) it had something to do with the " Indiana Department of Revenue. '' They asked me for my social security number, which put me on guard. But then, the woman I was speaking to HAD the last four digits of my social security number and asked me to confirm. She also had my middle initial. That 's when I became highly suspicious and ended the call. Sounded like identity theft to me, and I was n't going to talk to them any further. The woman I spoke to did not give me a clear idea of what she was calling about. I have no idea what business the " Indiana Department of Revenue '' ( which I highly doubt it was ) would have with me. I live in Minnesota, and have never worked in Indiana. The last time I was in Indiana was during the XX/XX/XXXX, on a car trip with my parents. My only conclusion is that this is some kind of identity theft operation. I hope you 're able to get to the bottom of it. I will also be contacting the actual Indiana Department of Revenue to report this scam, as well as the attorney generals of Indiana and Minnesota, and the Better Business Bureau.
05/13/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IN 460XX	Web
A hold was placed on my checking account this afternoon for {$5100.00}. I contacted my bank, XXXX, and they named Premier Credit of XXXX XXXX and Indiana Department of Revenue as the parties requesting the hold. I had not heard of Premier Credit of XXXX XXXX before, and because I pay taxes I 'm familiar with XXXX. However, I was shocked to learn that there is a claim for that amount of money, and even more shocked to have found out by not being able to access the funds in my bank account. I did not receive a certified letter, a notice to appear in court, a day in court, nor was I served papers, or anything similar that could prove that I was provided with communication regarding whatever is going on. According to XXXX, they received a court order and have to comply - my question is where is MY copy of said order? Why do n't I have the order? How is it legal that a XXXX is afforded due process, but I 'm not? I 've been paying taxes since I was XXXX years old, and my income continues to rise, which means the amount that I contribute to this state continues to increase - along with my property taxes. I am extremely offended by this miscarriage of justice. Why is it legal to take money from a bank account without advising the account holder in advance ( certified notification )? Furthermore, this money is not owed, which I will have to spend my time, taking away from my husband and XXXX young children, during the next several days/weeks/months resolving whatever this is all about. However, my issue right now is not whether I owe a debt for {$0.00} or a XXXX dollars - the issue is how is the practice of seizing bank accounts over an " assumed '' debt without providing prior notification or even dispute resolution legal? Where is my due process? Where is my day in court?
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 293XX	Web
My name is XXXX XXXX XXXX. XXXX XXXX is my XXXX. On XX/XX/2023, ECMC purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. ECMC first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between ECMC, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from ECMC stated, " XXXX XXXX XXXXECMC Account # XXXX ; Education Credit Management Corporation ( ECMC ) has reviewed your concerns. Following is history of the nine loans in question held by ECMC that match the first & last name, mailing address and email address provided by you on this complaint. '' ECMC stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date ECMC, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, ECMC provided proof to myself and XXXX that the nine accounts belong to XXXX XXXX. ECMC wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and ECMC. XX/XX/2023 the ECMC discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by ECMC, showing further proof that their records was and can be altered, XXXX. the account belonging to XXXX XXXX. These accounts were falsely generated.
12/12/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	AZ 85541	Web	Servicemember
Friday XX/XX/XXXX, I received a letter from my employer with copies from ECMC stating my wages were going to be garnished beginning on XX/XX/XXXX paycheck. This was the 1st and ONLY communication I have received from ECMC. They are garnishing {$200.00} bi-weekly from my check. So, {$400.00} a month. I did not receive ANY documentation advising me of the intent to garnish my wages therefore, I did not have the ability to dispute or negotiate. My XX/XX/XXXX-XX/XX/XXXX federal taxes were withheld stating debt collection for student loans but were never applied to the balance of the loan. In XX/XX/XXXX, I received a letter from ECMC stating the intent to wage garnish had been cancelled. Again, with no notification of the intent do do so in the first place. As of this time, we are a single income family of XXXX with me being the primary source of income. I commute XXXX miles each way. I am unable to afford the shortage in my check. This may possibly force me to look for employment closer to my town at a lower rate of pay, loss of medical benefits and quite possibly my house because I will no longer be able to afford the incoming bills. Since receiving the letter, I have attempted several means of communicating with ECMC with no response. The website has either has no record of my student loans or will not allow me to log in. I have also attempted to apply for loan forgiveness programs ( XXXX XXXX XXXX ) but can not complete the application process due to inaccessibility to my account. I am employed at a University Police Department and am in the process of admission to complete my degree. It appears to me they have conveniently used my position to solicit moneys before I am completely enrolled. FYI, the last class I took was in XX/XX/XXXX.
09/26/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	CA 95355	Web
I received a call from ECMC on XXXX XXXX, 2015. I missed the initial call, and called them back a few hours later. When I got a hold of the agent who called me she began asking me for information about my mother. When I asked what the call was about she would not tell me. I expressed concern about giving her information with such a vague idea of who they were. The agent told me that my mother had listed me as a reference, and had given them permission to call me if they could not get a hold of her. I declined to answer the agent 's questions and asked her not to call me again. I called my wife later and she had received a call from the same agent. Similarly, the agent had told her she had been listed as a reference by my mother, and tried to use that to get my wife to give her information. I thought it was extremely unlikely that my wife had been listed as a reference, as my mother hardly knew my wife ( who I was my girlfriend at the time ) when she took out the loan. I called my mother, and she confirmed that she had never listed either of us as references. The agent had lied to us in an attempt to persuade us to give her information. I called ECMC back and asked to speak with a manager. The manager confirmed that the agent had used an internet lookup to find our phone numbers. I told them how concerning it was that their agent had lied to us. The manager assured me that they would take care of the matter. I received a message later that day letting me know they had resolved the issue by adding my phone number to their do-not-call list. I recorded both of the phone calls ( with the agent and with the manager ). ECMC has a warning saying their phone calls are recorded and there was no expectation of privacy.
09/26/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	VA 22408	Web
I currently have my student loans consolidated through XXXX after I graduated in XX/XX/XXXX. I have been making my payments directly to XXXX and missed one payment in late XXXX when an auto-payment failed to clear. The problem was corrected as soon as I found out, and I have not had an outstanding debt since.XX/XX/XXXX, ECMC called my work phone claiming they work with XXXX XXXX XXXX XXXX. I attended XXXX during the XX/XX/XXXX-XX/XX/XXXX school year and had since moved on. They mentioned the missed payment and that I had an outstanding balance. I checked with XXXX and there are no outstanding balances. I also checked with XXXX and was confirmed to have outstanding debts with the school. I explained to the woman from XXXX that I had no outstanding balances, and she began to launch into a spiel about how XXXX is contracted with XXXX to offer financial guidance. I declined and informed them not to contact me again. Today, XX/XX/XXXX, I was contacted again by XXXX claiming to be calling on behalf of XXXX and that they had previously helped me with financial management. I informed them forcefully they had never helped me, I had never requested their help, and that I did not appreciate them calling my work phone if there are no outstanding monetary issues to discuss. I am reporting about ECMC 's tactics because I do not know how they received my work phone number. I was not employed with my current employer when I attended XXXX. If they are calling on behalf of XXXX, that is one thing, but they instead called detailing outdated information regarding XXXX. I will be following up with Navient, and I expect XXXX will be calling my work phone again trying to peddle " financial help '' where clearly none is required.
03/27/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75154	Web
I am a victim of identity theft. I became aware of a student loan debt in XX/XX/XXXX of last year when I tried to apply for a loan. XXXX had my account via my credit report. I notified all three credit bureaus immediately of identity theft. They did a dispute.30 days later it was not removed nor did I receive a response from XXXX. I notified XXXX on XX/XX/XXXX, and the account was closed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$8200.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$6000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$5300.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4700.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$2100.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX. XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX, and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX
12/22/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 371XX	Web
After pulling my credit reports on XX/XX/XXXX I discovered a collection account listed on all three bureaus ( XXXX, XXXX and XXXX ) by XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I immediately sent a certified letter to XXXX XXXX giving them official notice of dispute. I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked them to note that I was requesting " validation '' ; that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This letter was received and signed for on XX/XX/XXXX. After waiting 30 days with no response from XXXX XXXX I pulled all three credit reports again only to discover that they had not removed the " Collections '' listings from my reports nor had they marked them as " Disputed '' as required by The Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. On XX/XX/XXXX I mailed XXXX XXXX a second certified letter which was delivered and signed for on XX/XX/XXXX. Now it has been almost another 60 days from the receipt of this second letter with no response or action taken by XXXX XXXX as required by the FDCPA and FCRA. Their failure to adhere to FDCPA and FCRA requirements and local laws is seriously damaging my credit. I have maintained a careful record of my communications with XXXX XXXX, letterdelivery signatures as well as time stamped credit reports that clearly document non compliance by XXXX XXXX to FDCPA/ FCRA requirements and to local laws. I will provide a copy if needed.
07/13/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX 77504	Web	Servicemember
Upon reviewing my credit report there are 4 opened/closed accounts ; originally owned by XXXX XXXX XXXX XXXX. The Company ECMC retrieved the dropped accounts and reopened them on XX/XX/2019 after I started a dispute against the loans with XXXX. I reached out to ECMC requesting that they provide me a signature of my approval of the loan but they couldn't provide a statement of account of my signatures attesting of ownership or a full account number of the schools documentation of attending the school. They did send a promissory note with my name typed in .... which is not my original signature nor ever sent to me via email or in person to sign. It is to my understanding that the report came from XXXX XXXX a school I have not attended. ECMC also disclosed that the review that I requested by the education department is still not yet clear if I am approved or not for student loan debt relief. The loan account number for ECMC is listed XXXX ... with the other numbers hidden. When I asked to give me the full account number for my report, they stated that they couldn't provide me with that information because it wouldn't help my case in submitting another dispute and insisted that your department will have the account information needed to process my complaint the account are as follows : Account XXXX. XXXX Account XXXX. XXXX Account XXXX. XXXX Account XXXX, XXXX Totaling : XXXX By the provisions FCRA15USC-section 1681I of the fare credit report act of 197, the items listed above be reverified and deleted from my record. These items do not belong to me. Also in FCRA 15USC-section 1681I part 5 and 6 states that I should be notified when the items have been deleted from my report.
05/03/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75088	Web
These folks filed a garnishment on my wages. But, when I called to make arrangements before the first garnishment payment came out I was told they would stop the garnishment. They did not. When making the arrangements and signing documents I asked if I could print and fax the papers, so I had time to read them. I was told they could not have time to stop the garnishment if I did n't sign right now. I was told where to sign while an agent was on the phone with me on hold. I told them I needed to go but they insisted I sign all the papers or they could stop the garnishment. I signed the papers so I would not miss the opportunity to get the garnishment stopped. The following Friday my paycheck was short XXXX. I called them and asked what happened? They denied telling me the garnishment would stop. I was then told the garnishment would stop after XXXX on time payments. So I said you are taking 5 months of XXXX garnishment and my XXXX payments? they said yes. They said we will send a modification to reduce you garnishment to 5 %. They did not. I would not be near as upset about any of this until I got the documents detailing my arrangements request for additional documentation. They are charging me {$13000.00} on a {$10000.00} dollar loan. After 5 month of garnishment i will have only paid the their collection fees. And on top of that I have to send in more documentation before the arrangement is valid. They were calling XXXX5 times a day, weekends, and holidays. Making me crazy. They began calling my ex-husband and my daughter. I just do n't understand how they can garnish me and take payments at the same time and I am paying 30 % in collection fees on a Federal student loan.
03/15/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CT 067XX	Web
My problem is with a company called ECMC ( Education Credit Management Corporation ) their address is XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX. Their phone number is ( XXXX ) XXXX. This company is harassing me they sent my past employer a wage garnishment on XX/XX/XXXX trying to garnish {$6000.00} of federal student loans without a court order and also sent me a statement on XXXX XXXX stating I owe two student federal loans from service lender provider XXXX XXXX XXXX in the amounts of {$3300.00} and {$3000.00}. Ive contacted XXXX on XX/XX/XXXX they said these loans were cancelled and show a XXXX balance. I also requested a statement from XXXX to prove that these loans were cancelled and I do not owe this debt.I contacted Dept of Education several times from XXXX, XXXX and XXXX and explained the story to them which they did not help me at all but they are aware of the situation. ECMC is ILLEGALLY reporting these balances to the XXXX credit agency even after I disputed these transactions twice which I have proof as I kept the dispute reports. At this point this company is taking old student loans that were cancelled or paid off and trying to extort money from people. I've done research on my own and they have been sued several times and there are several complaints filed, websites are XXXX and XXXX. These loans are currently with XXXX XXXX XXXX which I called them today XXXX XXXX explaining everything. At this point I'm not sure what I can do but action needs to be taken. I have a whole file of paperwork from ECMC and XXXX to prove my case. This is a CRIME that needs to be handled innocent people are getting ripped off and the government is doing nothing about.
11/18/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45211	Web
XX/XX/XXXX XXXX XXXX USED INFORMATION FALSELY/FRAUDULENTLY TO COLLECT STUDENT LOAN MONEY IN MY NAME AFTER I WITHDREW FROM THEIR COLLEGE TIMELY IN THE YEAR 2000. I NEVER ATTENDED THEIR COLLEGE OR RECEIVED ANY EDUCATION BENEFITS FROM THIS COLLEGE OR THE MONEYS COLLECTED BY THIS COLLEGE IN MY NAME. AS A RESULT OF THIS FRAUDULENT ACTIVITY ON THE PART OF THIS COLLEGE AND FRAUDULENT LOAN PROCEEDS THE LOAN SERVICERS OF THESE LOANS ECMC CONTINUES TO REPORT THIS FRAUDULENT LOAN TO THE CREDIT BUREAU IN VIOLATION OF THE FAIR DEBT CREDIT REPORTING ACT. ECMC IS A THIRD-PARTY DEBT PURCHASER WHO IS REPORTING AN OUTED FRAUDULENT DEBT FROM THE YEAR XX/XX/XXXX. I HAVE MADE NUMEROUS REQUESTS OF THIS THIRD-PARTY DEBT PURCHASER TO VALIDATE THE DEBT AND PROVIDE ME WITH THE ORIGINAL DEBT INSTRUMENT IN ACCORDANCE WITH THE FEDERAL DEBT COLLECTION AND REPORTING ACTS TO NO AVAIL. ECMC IS REPORTING FALSE INFORMATION TO REPORTING AGENCY IN REFERENCE TO THE DATE OF LOAN ORIGINATION, DEBT AMOUNT AND OTHER FALSE INFORMATION IN VIOLATION OF FEDERAL LAW. I HAVE PLACED ECMC ON NOTICE AND REQUESTED NUMEROUS DISPUTES OF THIS FRAUDULENT AND INACCURATE INFORMATION REPORTING TO MY CREDIT FILE AND ECMC HAS REPEATEDLY REFUSED TO FOLLOW THE LAW IN THE DISPUTE PROCESS EACH TIME. ECMC CONTINUE TO REPORT THIS ACCOUNT AS A OPEN ACCOUNTS AFTER 20 YEARS AND ALLOWS THIS TO MAKE MONTHLY LATE PAYMENT ACTIVITY IN MY ACCOUNT REGARDLESS OF THE FACT THAT THIS ACCOUNT IS TIME BARRED UNDER FEDERAL LAW. THEIR ACTION HAVE RACIAL UNDERTONE AND EVIDENCE BEHAVIOR OF RACIAL PROFILING AND WELL AS FRAUDULENT ILLEGAL ACTS THAT ARE PROHIBITED BY LAW.I REQUEST AN INVESTIGATION INTO THESE ACTIONS. THANK YOU XXXX XXXX
07/06/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	GA 30328	Web
ECMC fails to answer specific questions to my complaint and I am not sure why they will not answer the question. It appears that for a company who wants to be transparent they continually dodge the specific question. Please answer the following questions below : " The promissory note states that I " must '' provide two separate references. The note that you attached fails to state what you will need that for. Are the references needed to find me in the case that I am not communicative? The question I need you to answer is, if the purpose is to not discuss the defaulted loan with the references, then what was the purpose of calling the references? I also have proof that you have contacted individuals outside of the references listed in the note. Please provide explanation as to why? As I have confirmed on multiple accounts my willingness to communicate with ECMC and to find a resolution, please explain why you do not honor this request and contact me via email as this is the method of contact I have requested instead of calling me? Please explain why you continue to call these references, and those who are not listed as my references? If you did not discuss my defaulted loan, what did you want to discuss with those listed as my references and others outside of these references? You state that " ECMC has a continuing obligation to use all methods prescribed by federal regulations to collect the student debt from you. '' If you are attempting to collect from me, and I am communicating with you as evidenced in the communications attached, why were you calling other people? Was it to collect from them when they are not obligated to pay the loan? ''
09/30/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	OH 45242	Web
I have student loan that had defaulted and was turned over to Premiere of North America LLC. Arrangements were made for me to pay {$140.00} dollars each month for 10 months. After 10 months of payment, my loan would be in a current status. These arrangements were set up automatically to be withdrawal from my checking account monthly. Payments started to come out of my checking account automatically, but then the payments stopped. When I contacted Premiere @ XXXX, I was unable to get through ( constantly on hold and then the line would disconnected XXXX to speak with a representative after several attempts. After calling Premiere for several weeks, I finally received a recording stating that they were no longer handling my account and the call was automatically transferred to the XXXX XXXX XXXX ( XXXX ). After speaking to a Representative, I was told that there was a dispute going on between Premiere and XXXX XXXX XXXX XXXX and that they could only accept payments but because no paperwork from Premiere was forwarded to them, they could n't honor the payment arrangements that was made with Premiere and they could n't off their rehabilitation program because it is only offered once in the lifetime of the loan. I asked for a settlement amount, the representative told me that I need to contact Premiere. I confirmed with the agent that they were aware I was getting referred back to their office. The agent stated that is what he was told to say. I am wanting my name removed off of the CAIVRS list because I have been paying as agreed. I am also requesting that the XXXX XXXX XXXX honor the payment arrangement that was set up with Premiere.
08/21/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NC 28054	Web
I completed a Default Clearance letter maybe 2 years ago. I completed a FAFSA this year the school and Federal Department still have the Default classification on there. This company and my interaction with them strikes me a hostile, and antagonistic and one-sided in the way they have chosen to conduct business with me. They are reporting a total amount from education loans from 25 years ago. I went to another XXXX school and took 2 classes. Then they " consolidated '' and claimed I owed from the loans 2 decades ago. I had n't heard anything about owing on a loan until I took the 2 classes at the less expensive school and an offset was approved. I feel like I am being attacked. This company called me 4-5 times a day back in 2008. Last year I agreed to make voluntary payments for $ XXXX- that was the asking price. As I have applied to get financial aid at other institutions, this rehab loan keeps coming up. I was unaware that this categorization of my loan account was going to prevent this. Negotiation is at the core of most business transactions- it 's a give and take. I feel if I can pay voluntary- that 's what they asked me to pay- and someone on their team can be more flexible to allow me to move forward.I was reluctant to keep contacting them, because they said they were not reporting anything and starting sending me privacy policy notices. I thought there was some kind of legal proceeding that had occurred - like a gag order. Im just really confused as to why I keep having the same conversations with them almost every year. I really need a normal professional business person to help me with this.
07/10/2017	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	CA 917XX	Web
Recently received repayment information on this loan through CFPB and after reviewing such information, I noticed a few things that do n't sit right. Understandably, the company will charge a fee to collect and there will be interest to pay. However, ECMC has added there fees to my balance more than once. Looking at the paperwork shows that ECMC has tried to add collection fees 9 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00} and XX/XX/XXXX {$2300.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1100.00} ) and removed them 8 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1900.00} ) while collecting additional collection fees monthly. If a collection fee is added in XX/XX/XXXX it 's removed in XX/XX/XXXX, if it 's added in XX/XX/XXXX it 's removed in XX/XX/XXXX except for the last collection/reduction fees which were in XX/XX/XXXX. ECMC is collecting additional interest on the added fees while they are posted but not making the corrections to said fees. So my balance should be around {$3000.00} ( minus the added interest from added collection fees ) plus the correct interest without the added fees to my balance and lets not forget ECMC additional collection cost of {$1000.00}. So I 'm guessing my balance should be anywhere around {$4000.00} ( includes collection cost ) plus interest which would include the most recent payment of about {$190.00} in XX/XX/XXXX.
08/06/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	NC 28105	Web
My student loans was with the XXXX XXXX XXXX. I paid automatically every month through my bank. In XXXX XXXX XXXX XXXX started returning my checks so I checked my account online and it said my balance was XXXX. This month I started receiving debt collection calls about my student loan saying it was in default. This was the first I heard of this, I thought my loan was paid off. I called XXXX XXXX XXXX and they said they transferred my in XXXX. I was never informed by anyone. I called XXXX and they said they received my account on XX/XX/XXXX. I never received any information about this. I spoke with a lady named XXXX at XXXX, she said they mailed a letter to an address ( XXXX XXXX XXXX. ) that I have not lived at for 15 years. The letter was mailed In XX/XX/XXXX and she said it was returned because it was the wrong address. There was no other attempt to contact me. In XX/XX/XXXX ECMC took over my account and again I was never contacted. I spoke with XXXX at ECMC and she said they mailed a letter to the same wrong address ( XXXX XXXX XXXX. ) on XX/XX/XXXX. I never received a letter or any information from ECMC or XXXX. My address has always been current and updated with the United States post office and on my drivers license. Also, XXXX XXXX XXXX XXXX has always had my current address. There is no reason I should not have been informed of my account being transferred to XXXX. Then it was supposedly late with XXXX and then it was in default. I was unaware of all this. My credit has been perfect until XXXX and ECMC failed to notify me that they have an account with me.
01/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32244	Web	Servicemember
On XX/XX/XXXX I went into the emergency room at XXXX XXXX XXXX XXXX to be seen for stomach pain. The wait was very long so I left without ever being admitted. I ended up going to another emergency room ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I received an alert from XXXX XXXX stating that a new negative account had been added to my credit files ( XXXX and XXXX XXXX ). To my surprise I had lost 42 points due to a collection being added from a creditor by the name of XXXX XXXX XXXX XXXX XXXX. I researched the company and called to see why they had added this to my file. They told me that XXXX XXXX XXXX had submitted a bill for {$270.00} stating that I failed to pay. I have never received a bill or a call from XXXX XXXX XXXX or from XXXX XXXX. I asked the women to verify what contact information they had on file. She preceded to verify an old address of mine and a phone number that has never been mine. I asked what correspondence had gone out to me to alert me of this debt and she failed to answer the question. She kept telling me to call XXXX XXXX XXXX. I never received service from XXXX XXXX XXXX and I was never admitted despite the bill I requested and received ( XX/XX/XXXX ) stating I was discharged at XXXX XXXX. I arrived at XXXX XXXX XXXX XXXX which is 14.2 miles away at XXXX XXXX. This is fraud. XXXX XXXX XXXX preceded to charge my XXXX XXXX for room in board and service that was never rendered. They have damaged my credit and committed insurance fraud. I never received any notice of the debt and was not given a chance to dispute it or anything. FRAUD.
06/13/2020	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 76543	Web	Servicemember
This complaint is in reference to XXXX XXXX XXXX XXXX, and the company they represent, Educational Credit Management Corporation. On XX/XX/2020 I pulled a copy of my credit report to find that there is an additional balance for the same account yet only one balance listed on the statement I received in the mail. I also noticed that the account has an opening date listed with XXXX and XXXX but missing an opening date for XXXX and showing the account as closed. I contacted the debt collectors ( XXXX XXXX XXXX XXXX ) and requested proof of validation on the account. I also asked that all collection efforts cease and desist. In return I received a copy of an itemized list of the same information that I disputed and a copy of a promissory note from Educational Credit Management Corporation. In review of the itemized list I noticed that there was a difference in the total balance and interest balance listed. On the statement dated XX/XX/2020 XXXX part of the list showed the interest balance as {$580.00} and the other part of the statement showed the interest balance as {$700.00}. The statement also showed one part of the total balance as {$8100.00} and the other part as {$8300.00}. I then contacted XXXX XXXX XXXX XXXX requesting more proof of validation and I did not receive a response within the 30-day validation period. I made a final attempt at obtaining sufficient proof of validation on the account but was unsuccessful. I also requested that the inaccurate, misleading, invalidated account is removed but received no response to that request as well.
06/08/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA 93444	Web
I have student loans, NEVER once in any sort of default and always in good standing ( shown on my Credit Report history ) Always been on an IBR payment plan of {$0.00} per month or on forbearance ( i hav e a paper trail from navient which i attached to this complaint -- the most recent forbearance approval ) I filed an ability to benefit discharge in XX/XX/XXXX / XX/XX/XXXX since i should not have been issued student loans since i had no XXX/Diploma at the time i enrolled in the school and was not tested per the rules, supposedly when i did this request, the guarantor ( ECMC ) paid off the loans immediately. ( which does not seem right? ... Why would you pay off loans before investigating my complaint/issue? ) The XXXX discharge request was denied by ECMC an d Dept of education a ppeal ( and ive asked for proof of the XXXX test they supposedly administered to me and it was never provided ), now all the sudden i 'm in default on my XXXX loans ... and ECMC wont put the loans back with Navient to go back to the good standing they were in. They want full payment and that 's my only option. its dropped my credit score XXXX points now just after i got it up to over XXXX . Per the federal student loan website : i should have been sent monthly statements ( which hasnt been sent at all ) and i can not be reported as defaulted until its over 270 days LATE. My loans have never been late and have always been on a forbearance or IBR. ( i have a statement of a approved forbearance showing an end date of X/X/18 )
07/27/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	CA 948XX	Web
These Creditors have been harassing me for almost two years. I have denied this debt. They sent additional attempts to collect debt. I filed for chapter XXXX XXXX Bankruptcy relief and included them. They started sending wage garnishment attempts to my employers. I contacted Consumer Finance Gov regarding this and the company states the account is closed as of XXXX XXXX. So a few months later I receive another attempt to garnish my wages, so I sent information letting them know once again 1 ) this is not my debt and 2 ) I do n't know what these student loans are for. They sent me some information from XXXX XXXX XXXX from when I was enrolled in XXXX ( unsure of exact enrollment time, this is an approximation ). Once I was informed of the school, I wrote them back letting them know the school staff were signing our applications ( evening students ) and receiving loans on behalf of us. I also informed them that is the reason the school was closed. They sent XXXX application packets where I needed to provide XXXX signatures from as close to the date as possible. I was given 60 days from XXXX to submit. However, the company sent another wage garnishment to my employers prior to my 60 day submittal deadline although I faxed all of the application including my supporting documents the day before my 60 day deadline. It took me almost two months to locate anything with my signature dating that far back. Now the company has began emailing me to rehab my loan and are ignoring my discharge due to unauthorized signature.
06/22/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	CA 91325	Web	Servicemember
I had multiple federal loans from XXXX XXXX and because I am in the military I used my Student Loan Repayment Program which paid XXXX XXXX {$9000.00} in XXXX lump sum. That was XXXX of the only payments I have made on my loans since I graduated in 2008 but the amount should have kept me current for many years. My total student loan debt was about {$40000.00} at that time. XXXX received payment and then transferred my student loans to ECMC where interest is accruing rapidly. I personally feel that the lump sum of money should have brought me all sorts of options including the XXXX and/or XXXX XXXX. I am currently serving in the XXXX XXXX ( XXXX ) and also I work XXXX ( 5 years ). Instead, once ECMC got a hold of the account they have been asking for payments and I was not able to pay the monthly fee due to the fact I was barely able to keep a roof over my head. I have since entered into the XXXX program with ECMC but I feel it is unfair due to the fact I paid a lump sum to XXXX XXXX. I should be entered into a XXXX program immediately with the lump sum taken into account. Also, all the interest that has been accumulated should be wiped clear. I understand that XXXX consecutive payments on a loan forgiveness program is the standard but I should be offered 5 years of consecutive payments, at this point, after such a large sum of money was paid. Please help me find a solution. I even have another {$1000.00} left I can pay in lump sum from my XXXX to aid in the activation of XXXX and/or XXXX XXXX XXXX XXXX.
10/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MN 55417	Web
The circumstance began when the Indiana Department of Revenue started reaching out to me to collect a debt from a previous employer of mine. The Indiana Department of Revenue contracted with a company called " Premiere Credit XXXX '' to use tactics to collect my old employers debt while I was working with the Indiana Department of Revenue to have me removed from this account. The Indiana department of revenue removed me as a liable party in XXXX 2015 and Premiere Credit continued to collect the debts after this period until they closed the account in XXXX 2015. During this period of time Premiere Credit notified me that they were trying to collect a personal tax debt that I did owe. Premiere sent a garnishment to my employers payroll company. Premiere did not communicate to me that there was this additional debt other than the debt that I had been released from. As soon as I verified this debt to be true it was paid within 2 days of that verification. Premiere had told me that they sent a release to my employer immediately after I paid the balance. Premiere did not communicate the release of the garnishment to my employer for a week after they had told me that they had sent it to my employer. I had to call more than 4 times to premiere and my employer each to verify that the garnishment release had been received. The representatives from premiere were not helpful and disrespectful when I asked for the release to be sent and they would not provide me a fax confirmation that they had sent the release.
03/19/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	KY 427XX	Web
In XX/XX/XXXX I attended XXXX university, now XXXX for one quarter from XX/XX/XXXX to XX/XX/XXXX. I was awarded 2 private student loans in the amount of XXXX and XXXX for the year. However, only XXXX and XXXX was disbursed, the remainder of the loans was cancelled. The loan was serviced by XXXX XXXX / XXXX XXXX later sold to XXXX XXXX. XXXX XXXX reports the full amount of each loan on my credit report under their name with false originating dates, I have not been able to contact anyone from their companies. The loan was then sold to XXXX upon logging into navients website I obtained loan history showing payments of XXXX, they also are reporting to bureaus that the loans were late, incorrect amounts and dates. The loans again were sold to ECMC in XX/XX/XXXX I was then garnished via wages and tax offset in the amount of XXXX. They also show negative marks on my credit report for the same loan, some late payments overlapping each other on different lenders for the same debt ( which wasnt even the correct debt. ) I have contacted both ecmc and XXXX requesting documentation of payments etc. I had to acquire them myself on their website, they also refused to help correct my credit report errors and advised me to call the bureaus directly. I paid a total of XXXX ( to my rough calculations ) to 2 of the 3 lenders that had these 2 loans. Now I understand interest accumulates, but I never had any correspondence advising of the new debt holders, I had been in deferment for some time as well.
11/24/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 011XX	Web
ok this is XXXX XXXX XXXX I writing this complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.. ok I received a debt today XX/XX/2018. stating I owe a debt principal balance XXXX interest XXXX plus there fees and cost of XXXX total balance XXXX.. Now this is a lie I don't even know any think about this debt.. first this is a violation of the fair credit reporting act .because they brought some back dated debt because my credit has been good and clean for 5 years now. I had a XXXX credit score till they pulled it down low ... second they never tried to contact me on the phone or letter till today. However they already put this on my credit report and damaged my credit. they did this on purpose they hurt me financially because I use my credit to acquire income producing assess ... they violated the fair credit reporting act .I don't owe them I don't know were they get this debt from or who sold them my information but its not my debt ... third of all they never gave me a change to see what this debt is about before they put this reaged debt on my credit report .. I demand they take it off my credit report IMMEDIATELY.I DONT KNOW ABOUT THIS DEBT THE LETTER DOES NOT TELL ME WHAT THE DEBT IS FOR AND WHO FROM THE ORIGIN CREDITOR. THEY JUST PUT IT ON MY CREDIT REPORT BEFORE THEY INFORM ME OF ANY THING. THIS IS A COMPLETE VIOLATION OF MY RIGHTS AND THE FDCRA FAIR DEBT CREDIT REPORTING ACT I WANT THIS OFF MY CREDIT REPORT FAST AND NOW.
03/09/2017	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	ND 58601	Web
I obtained a credit report and noticed negative information being reported by Educational Credit Management Corporation ( ECMC ). Not recognizing the alleged debt, I attempted to dispute the debt with ECMC. The dispute was returned as un-deliverable. I obtained credit reports from XXXX different CRA 's, both with negative, unrecognized information. XXXX different CRA 's reporting from ECMC provided XXXX different address for ECMC. I sent a dispute to both other address. Copies are attached, with USPS certified mail confirmations. I filed a complaint with the CFPB about the mis-representations of ECMC in my credit reports. ECMC replied with an alleged loan summary for an entirely different individual. ECMC also replied to my mail disputes by providing a simple spreadsheet printout. Evidently this simple spreadsheet confirms a debt. Evidently, according to ECMC, all that is needed to collect a debt is a spreadsheet with a couple columns. I do not have any documented evidence supporting ECMC 's negative reports and/or debt collection activities. ECMC has not supplied any verified documentation supporting their reporting. I filed bankruptcy four years ago and still have debt collector vultures harassing me. The alleged debt might have been paid in full. The alleged debt might not be mine. The alleged debt might have been discharged in bankruptcy. Despite all this, ECMC continues to report negative information in my credit reports.
11/18/2021	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	TX 77063	Web
In XXXX I attended XXXX XXXX XXXX to obtain my XXXX licensure XXXX XXXX, Florida. The student aide dept there obtained funding for my program and I signed for the loans. I had very little understanding of the process & or lender. I, obtained myXX/XX/XXXX license and worked in the field for XXXXyrs after as a XX/XX/XXXX In XXXX, I went back to school to obtain my XXXX. In my XXXXrd year I was hindered by the inability to procure loans for school. In XXXX, I entered a loan rehabilitation program to rehabilitate my student loans ( all defaulted loans ) I enrolled in XXXX in XXXX of XXXX and have been attending since that time. Having received my default clearance letter due to loans rehabilitation completion. Since, XXXX of XXXX the debt collection company continues to report and actively seek payment on debts they claim I owe. They refuse to remove incorrect remarks from credit reports and incorrect reports from XXXX XXXX as Dept of Education has provided should be done due to the umbrella loans into rehabilitation and the XXXX XXXX reporting regulations. I have no knowledge of ever entering into any agreement with ECMC as a loan servicer in XXXX for XXXX XXXX XXXX for XXXX XXXX license or any other degree. Yet, the company continues to cause detriment to my credit rating and harase for payments I do not believe are owed through this last two years ; while I have been attending XX/XX/XXXXas a full timeXX/XX/XXXXXXXX.
10/05/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	FL 34698	Web	Servicemember
Back in the late XXXX 's, I had to file for Chapter XXXX and Chapter XXXX bankruptcy. Relief from my student loan obligations was denied. I was later contacted by ECMC and told that I had 3 days to pay off my $ XXXX balance that was in default or the amount would double. I had no money at the time and no resources to pay off the balance. How can the law allow any entity to do this? If I just filed for bankruptcy, and couldn't afford a single payment, it is evident that I could not pay off a balance of $ XXXX in 3 days! I did some research and reached out to XXXX XXXX. They had a program that would allow me to consolidate my student loans providing I was able to make 3 consecutive monthly payments first. I was able to pull the money together and XXXX XXXX consolidated my loans with ECMC. What I didn't know at the time is that ECMC had increased my $ XXXX balance to $ XXXX and THEN sold them to XXXX XXXX. I have since paid over $ 120K ( over $ 600/month for over 17 years ). I still have an outstanding balance of $ XXXX. That's over $ 260K for $ XXXX of student loans! I believe that I have more than met my commitment in repaying the $ XXXX and I'm requesting assistance going after ECMC for doubling my initial loan amount ... ..which would be paid off by now. I further believe that ECMC has been allowed to engage in a VERY predatory practice. I can provide documentation upon request. Thank You for your consideration.
12/24/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	CA 92509	Web
My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with XXXX and ECMC because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, ECMC, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer XXXX. I 've never had any way of knowing that XXXX now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH ECMC, who I had been paying faithfully. Finally, ECMC lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.
06/28/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NY 11743	Web
Several loans that were serviced by ECMC during the loan rehab period had incorrect loan balances and interest rates therefore I was overcharged. For example, ECMC calculated 2 loans based on the orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled / never disbursed by the lender. Additionally, 2 of the loans has a fixed rate of 4.50 % - yet they charged me at 6.80 % on each. Another loan has a fixed rate of 5.75 %, ECMC charged me 6.00 %. Yet another loan has a fixed rate of 6.55 %, again they charged 6.80 %. There were several loans mishandled in this manner and as a result there was interest calculated that should not have been and payments misapplied as a result. I advised them of their mistake on several occasions, most recently on XX/XX/XXXX, but they have refused to fix the info on file or advise HOW they plan to rectify it. ECMC also did not report payments made by me on this loan while it was handled by them ( years XX/XX/XXXX through XX/XX/XXXX ) and at the time they transferred my loans to XXXX XXXX. ECMC also reported the wrong loan info on my credit report during the years XX/XX/XXXX through XX/XX/XXXX. ECMA also failed to report to the Dept. of Education that they received an IRS offset in the amount of {$5200.00} during that same time period.
06/03/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 37205	Web
On XX/XX/2017 I underwent an XXXX and XXXX at XXXX XXXX Medical Center in XXXX, TN. I have XXXX health insurance so I made sure to go to an " In Network '' hospital to keep my out-of-pocket costs low. Prior to the procedure occurring, I called the XXXX department at the hospital to ensure that the copay I was providing ( {$100.00} ) would be my total out of pocket cost. My health insurance paid {$2800.00}, while I paid my copay the day of the procedure. I was told that this would be the total cost to me. I was very surprised to see a bill from " XXXX XXXX '' who is out of network with XXXX. I thought it was a mistake. The XXXX fee was balance billed to me as XXXX does not cover " out of network '' costs, even though the facility I picked was " in network. '' I attempted to contact XXXX XXXX to discuss the bill. They directed me to contact XXXX XXXX Medical Center, who said to contact XXXX XXXX. I also contacted XXXX, who merely said they don't cover out of Network claims. None of the 3 parties were able to help explain. I received an unrelated XXXX XXXX in the past year at a different facility, and there was no surprise bill as the XXXX/facility were " In Network. '' Recently, I had 2 derogatory marks show up on my credit report for this one hour medical visit. XXXX XXXX had sent my single account to " XXXX XXXX XXXX XXXX XXXX '' as 2 different accounts.
09/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32221	Web
On XXXX XXXX,2017 I received a notification from the credit monitoring site that a new collection account has been added to my credit report. Being that I have been a victim of the identify thief twice this was very alarming to me. The debt collector Premiere sent me notification of an alleged debt in which I followed up in writing within the 30 day window to dispute this alleged debt. Not only did I dispute this debt in writing I also requested that they provide me with copies of medical records and statements from the original credit. I took it upon myself to also reach out to the original creditor XXXX XXXX XXXX XXXX and request the same information in question. After disputing this alledge debt with Premiere and the original creditor, I also sent over proof of identify theif. The original creditor agreed that this account was linked to fraud and deceased collection attempts. Premiere on the other has violated my rights under the fair debt collection practices act section 809 which states I have the right to dispute this debt within 30 days and I also have the right to request proof of the alleged debt of which contains my signature. Premiere is unable to provide this information because it does not exist! I request that all collection attempts and negative reporting to all credit bureaus cease immediately before I seek legal action!
05/11/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	CT 067XX	Web
This is my second complaint with CFPB regarding a company called ECMC ( Education Credit Management Council ). My first complaint was sent on XX/XX/XXXX, reference complaint ID # XXXX. This company fraudently opened up two student loans in my name claiming I went to a college called XXXX XXXX which I never attended. The promissory note their using belongs to a college called XXXX XXXX, ECMC is presenting 2 pages of that promissory note trying to say it is from XXXX XXXX and on purpose not providing the full promissory note that shows the college name ( which I have a copy of that I can send to you ). I have contacted XXXX XXXX and proved that promissory note their using is from XXXX NOT XXXX XXXX. They are now reporting these fraudenlent loans to both credit bureaus. This company has many lawsuits against them and under investigation in Minnesota. THIS IS A VERY FRAUDELENT COLLECTION AGENCY. THEY ARE STEALING PEOPLES PERSONAL INFORMATION AND OPENING UP STUDENT LOANS OR TAKING OLD PAID OFF STUDENT LOANS AND TRYING TO COLLECT ON THEM. CFPB NEEDS TO HELP ME AND NOT IGNORE THIS PROBLEM. I CAN NOT OBTAIN A JOB BECAUSE THEY WILL TRY TO DO A WAGE GARNISHMENT AGAINST ME. I have attached one document that ECMC generated with a signature and name " XXXX XXXX '' they dated it XX/XX/XXXX and you can clearly see my signature is not on there at all.
03/21/2018	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	OH 441XX	Web
I have been trying to get this student loan off of my credit it has been handled by multiple debt collectors XXXX / XXXX XXXX lastly loan servicer is ECMC upon asking the company multiple times. After many misleading phone calls these people would tell me that the loan is for my current school. I called my loan servicer which was XXXX and ask them if I missed any payments and they said to be careful because there was scams out there so I assumed that this was a scam. The school that I am attending which I'm current on in payments is located in XXXX Ohio. Upon me threatening to call the Attorney General because I thought this was a scam they told me it was for a school called XXXX I have never attended the school XXXX in XXXX Florida. Not only have I submitted police reports I've submitted dispute letters I've submitted even my high school diploma proving that I did not go to the school and that this loan was made before I was a high-school graduate I did not give permission for this loan. I have also informed all credit bureaus and they're saying that they leave it up to the company that's debt collecting to investigate themselves and that's how they determine whether they remove the dead or not and I am not satisfied with that I have said over and over again that I am a victim of identity theft I have the paperwork to prove it
05/28/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	LA 71220	Web	Older American
I am a senior citizen and my sss chec k was garnished by ECMC for a st udent loan I had nothing to do with. I never heard from ECMC until I discovered that they was responsible for this invasion of my privacy and identity theft of my personal identifiers, namely my social security number, my date of birth to fraudulently take money and I must say badly needed money for mere survival from my check.Had they exercised due diligence they would have known that this was not a loan of mine. when I spoke with them about adhering to the FDCPA laws they stated that it does n't apply to them when in XXXX V. ECMC the XXXX XXXX clearly stated that they ECMC are subject to FDCPA laws as a debt collector. Now being that they are aware of this ruling they are using deceptive trade practice to deceive the consumer and to defraud them out of their hard earned money, plus praying on senior citizens of which I am.Had I not discovered their deception they would have taken over XXXX dollars from me.ECMC have also violated La Deceptive Trade Practice laws and Civil RICO statures by scheming with XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX , N > Y > and XXXX and XXXX XXXX XXXX XXXX to defraud me out of my money, they also drag the TREASUR Y Dept into this scheme and t he social Security Administration.
09/27/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	AL 35811	Web	Older American
In XXXX of XXXX, I was in the process of purchasing a home only to find out that I had defaulted on my student loans. I had filed bankruptcy in XXXX, and my loans were placed into forebearance. During which time, my loan servicer XXXX was found to have used fraudulent practices and loans were being dismissed. So, when I called to check on my loans, there was no record of them existing. I assumed my loans were dismissed. This was several years ago. My student loans just came up again this year in XXXX so XXXX trying to rectify the situation. It was revealed to me that XXXX and XXXX were reporting my loans under an incorrect social security number. Therefore, I corrected that error by providing a copy of my social security card. Now, I feel like I am getting the runaround from XXXX. XXXX being told that I can not take advantage of the programs offered on the XXXX website because they are not my loan servicer and just a holder of my loan. However, The Department of Education told me that XXXX is the servicer of my loan. At this point, I want to come out of default status and do whatever I need to do to be in good standing. Unfortunately, I am not able to pay what is owed in full. I would like to take advantage of an income based repayment program that will bring me back into repayment status.
08/06/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 95209	Web
I attended XXXX XXXX College inXX/XX/XXXX and the school did not provide the promises they made for job placement and graduating in 18 months. I withdrew from the college when they said they could not provide the credits necessary to complete studies in the promised 18 months. There were two attempts to secure employment with interviews that yielded 0 offers. From day one to this day, i refute being responsible for these predatory loans that were written in fraudulent intent. They wanted to extend the loans beyond the 18 months that we were not agreeing to. When this fraudulent action was finally discovered in XX/XX/XXXX-XX/XX/XXXX, i filed to get our loans discharged that were in default. Instead, ECMC decided to take drastic actions now and withheld {$9000.00} from my wife 's return in XX/XX/XXXX. I called to setup a rehabilitation repayment but they instead went ahead with wage garnishment of 15 %. I know this is all legal, but it is a hardship on our part but of course not according to their qualifications for hardships. Homeless, utility disconnections, etc. They should have never been allowed to puchase the XXXX XXXX just to retain status to continue collecting on these pedatory loans. I 've read many former students in the same situation getting hard tactics to collect on these loans.
08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OK XXXXX	Web
I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. Account Name : XXXX XXXXXXXX Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 2. The date of last activity you are reporting for the below accounts dont match my records. 3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 4. No High Credit limit is reporting on XXXX. The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.
04/26/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	SC 29687	Web
I received a letter from my employer today stating that an order for wage garnishments has been processed for a defaulted student loan through ECMC. This was a great surprise because the last time I spoke with a representative from this company was on XXXX / XXXX / 17 when I made a request to be communicated with in writing/by mail about a resolution for this matter. I have kept a record of letters I have sent and received in an attempt to get this debt validated and to request a payment plan if this debt belongs to me. ECMC was not willing to work with me, the debt they claim is mine has not been fully validated and they have yet to provide me with a promissory note. I was not given proper notice that this process was even happening, yet in one to two pay periods they are demanding that my first employer in almost two years garnish 15 % of my wages after only being employed for three months. I was never notified of the issuance of this order and the law requires a thirty day notice from what I read in a letter from my employer. Not only that but I was not given an opportunity to contest the withholdings, nor was I informed of my rights in regards to the wage garnishment process. I was not given a n opportunity to make any arrangements so that this order could be avoided.
12/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46614	Web	Servicemember
Premier Credit, a debt collector for the Indiana Department of Revenue, was tasked with collecting a tax warrant in the amount of {$4700.00}. They garnished my wages and received all but {$900.00} the amount owed. Even though they had confirmation from my employer that they would honor the garnishment order, Premier Credit proceeded to levy my bank account for the full {$4700.00}, as if the garnishment order had not been made and received -- which my bank immediately transmitted to them by cashier 's check, without prior notice to me.. Premier admits it overcollected, having received almost XXXX the {$4700.00} owed,, but refuses to refund the difference to me or my bank. They said the large overpayment, though recognized as such, will be submitted to the Indiana Department of Taxation, even though the Department only authorized them to collect {$4700.00}. A debt collector can not legally charge and retain from a debtor, more than its creditor is owed, yet that is exactly what Premier Credit has done. This is oppressive and unlawful conduct, in violation of the Fair Debt Collections Practices Act, but Premier 's policy is NEVER to refunds collected in excess of legal authority and to remit all such overpayments to the Department, to the detriment of taxpayers across Indiana.
06/03/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	GA 30328	Web
Thank you for FINALLY answering " yes '' and confirming that you did in fact contact people, including my family and friends while I and ECMC were in communication with each other about my loan account. These straightforward answers were not in the initial complaint responses. In speaking with a specialist at CFPB yesterday who assisted with this case, can you tell me what the purpose was for ECMC to contact other people while they were directly speaking to me. Federal law does not force you to call other people if I am in direct contact with you. Federal law allows you to contact other people if you can not get into contact with me ; which as we have proven you were in direct contact with me all along. You stated that " ECMC did pursue leads including attempting phone contact using phone numbers learned during skip-tracing and believed to be associated with you... [ but that ] ECMC did not discuss your defaulted student loan debt with any person other than you. '' If you were directly in contact with me when you called these other people, and your call was not to discuss my loan with anyone else as you stated, then why did you make these calls in the first place? Please give a specific answer and not the " required by federal law '' answer as that idea has proven false.
09/28/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 75115	Web
I contacted Educational Credit Corporation to ask about a payment transcript they sent to me after my loans were taken out of default due to my paying the loans through a bankruptcy. I asked why the payment transcript showed that my payments made during the pandemic had been reversed back to me, but I never received them. The Customer Service rep told me that they had reversed my interest on the loan due to the COVID forbearance, but not the actual payment. I asked for a record or statement of this to be sent to me in writing. However, I never received anything in writing from the company after receiving the initial transcript. The next time I called I was told to contact XXXX XXXX as my loan had been transferred to that company. On my first contact with XXXX XXXX, I was told that my account had been transferred & that I was eligible for the refund of payments made during the COVID forbearance. The agent took my information & told me a check would be sent to me in the mail. After over 6 weeks of waiting for the refund, I called again & was told I didnt qualify for the COVID forbearance because of the type of loan I had. I asked why did my original loan servicer, ECMC, send me a transcript with COVID forbearance written all over it, but could not get a straight answer.
12/11/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	GA 30341	Web
I have been communicating with both my servicer and guarantor due to a fraudulent " notice of default '' claim that was filed and paid. I am now inelgible for financial aid eventhough I never defaulted and had just come off a forbearance period when the claim was filed. Both companies continue the point the finger at the other. Today, I called and spoke to a representative named XXXX who refused to provide additional information. I asked her what dates are listed as my loans being delinquent on the claim XXXX filed. She only referred me back to them. She stated she is only in collections. I informed her I am versed in how collections work and that a company must substantiate any claims of delinquency by providing the dates an account was in default. She refused to tell me what information was on the claim filed by XXXX. I told her having that information would allow me to submit proof of my forbearance period to get my loans taken out of a " default '' status. I have made payments to both XXXX and ECMC within the past 8 days. ECMC is refusing to accept my proof of non-default which is preventing me from receiving financial aid. ECMC is not willing to update my loan status even though they are aware my account never defaulted and that they paid on a false claim.
01/02/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	DC XXXXX	Web
XX/XX/2018 Funds withheld from my payroll by XXXX XXXX XXXX, affiliate of XXXX XX/XX/2018 Immediately filed complaint with XXXX because funds had been illegally garnished-what they had designated as loans were actually TEACH grants that I am in compliance with XX/XX/2018 Response from XXXX/ECMC indicated that funds garnished would be refunded to me in compliance with terms of bankruptcy XX/XX/2018 Filed for Bankruptcy in District of Columbia, XXXX XX/XX/2018 Bankruptcy, chapter XXXX, granted XX/XX/2018 I contact ECMC to ask why they are collecting on a TEACH grant that I am in compliance with XX/XX/2018 I contact the Ombudsmans office at the US Department of Education seeking assistance in resolving this issue as I am one of thousands of XXXX across the USA that have been jeopardized by the immoral and illegal practices of this company. The Ombudsmans office indicates that I need to resolve the matter with ECMC/XXXX directly. XX/XX/2018 XXXXECMC and affiliates indicate to me that they will send me a form to complete and submit in order to request a review of my file BUT they continue to " collect '' on a TEACH grant XX/XX/2018 Form arrives from ECMC/XXXX and affiliates, I have completed form and am submitting it via their customer service email address
07/22/2018	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	CA 95825	Web
I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
04/16/2015	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	OH 43119	Web
I have student loan debt and was in default for a long time. When I finally got a job I did n't really make enough to make payments, but instead of trying to work out a solution I ignored the problem for a while. I finally started working things out in 2014 and qualified to consolidate all my loans but XXXX, which were getting ready to garnish my wages. I asked the collection company if they would release them to be consolidated but they refused. My wages are being garnished at 15 % of my total income, not just disposable income. It is my understanding that it should be 15 % of whatever I make over the federal poverty level. I have tried to ask the collections to correct it, but they said that my employer must not be using the form given them to figure the correct amount. Bottom line, I can not be self sufficient and be on my own with this amount of money coming out of my check every pay. I would like them to adjust the amount they take or add those loans to my consolidated loans in which I qualify for the income based repayment plan which is more affordable to me. I do n't want to end of losing my job because I ca n't afford transportation there. My living expenses are a hardship just to take care of bare minimum items.
12/08/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	FL 34785	Web
I can not get ECMC ( Educational Credit management Corporation ) to help at all. I have been in daily communication with ECMC since XX/XX/XXXX. ECMC is wanting to increase the amounts agreed upon. ECMC has been calling nonstop to my workplace, home phone and family. They have sent emails to my workplace as well. I have spoken with them on the phone and they are rude and unprofessional. I try and communicate through email so that I can have an electronic method of tracking our communication, but they only want phone correspondence. I established a payment plan through ECMC and they are also wanting to garnish wages starting on XX/XX/XXXX for these loans as well. My loans were in forbearance with XXXX, except for the ones that they got possession of. I was told by XXXX that those were mistakenly not put into forbearance status. My position now, is that I am paying XXXX, XXXX, ECMC through a payment plan set up through their site. I will also have my wages garnished on XX/XX/XXXX. I have XXXX special needs kids that I adopted so I do not have money to just give to ECMC. I can not sell my house either like ECMC has suggested. Any help in this matter would be greatly appreciated. Thanks for your time. XXXX
10/03/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Keep getting calls about your loan	TX XXXXX	Web
I obtained loans in XX/XX/XXXX while attending XXXX, Florida XXXX XXXX XXXX, Florida. My original loan was obtained through XXXX. The loan was paid in full in XX/XX/XXXX. I received documents from XXXX to support payoff. ECMC had purchased the loan at some point and started derogatory collection practices. They have garnished my wages in XXXX, obtained over XXXX before I could stop them. They have taken my tax returns as well. Yet, those payment do not reflect any where in their system. They have harassed all my former clients that I worked with, not to mention ruined my business reputation. They sold the account to numerous credit agencies, whom continued the 20 calls a day harassment. I had submitted the pay off paper work obtained from XXXX on 15 occasions and obtained a lawyer to deal with this harassment to no avail. They are yet again contacting me to garnish my wages. I have yet again submit a response with a request for a " Trial '' to refute owing them any money. ECMC just sent me a letter refusing my hearing request and demands information to garnish my wages. I am at a loss! I have had XXXX contact them directly to confirm payment and they are still relentless in their collection effort.
09/14/2017	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	CO 80911	Web
I have previous sent a complaint regarding ECMCXXXX XXXX and now including XXXX XXXX XXXX XXXX contact at XXXX. I filed originally with CFPB last fall because XXXX XXXX XXXX illegally sent my loans to collections while I was XXXX stating " They had sent me notice that my economic hardship had been denied. '' I asked to which address they sent that information ( Knowing very well I was homeless and had no address ) they said they could n't give me this information. So ECMC is still continuing to contact me. I had told them to stop contacting me previously while i was contesting the loan being sent to collections. They have not stopped calling they call daily. XXXX XXXX XXXX called me at my work on behalf of XXXX. I HAVE NEVER OFFERED OR GIVEN THIS NUMER TO ANYONE NOR HAVE I EVER GRANTED PERMISSION TO CONTACT ME AT THIS NUMBER!!! I can not believe this is happening! I have {$55000.00} in student loans in good standing and XXXX XXXX and their blood hounds are harassing me for {$2000.00}. I should have been included in the class action law suite against XXXX XXXX and XXXX that happened at the beginning of the year. Reading the description of what happened in the suite I qualify to have my loans removed.
01/04/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	FL 32304	Web
On XXXX XXXX, 2016, I enrolled in the services provided by XXXX XXXX XXXX. XXXX XXXX XXXX offers service against debt collectors. After contact was made with the debt collector ECMC on XXXX/XXXX/2016 by XXXX XXXX XXXX, the process began. ECMC sent to me what is labeled as " Validation of Debt '' on XXXX XXXX, 2016. I then forward the " Validation of Debt '' documents to XXXX XXXX XXXX the next day, XXXX XXXX, 2016. In the process of validating a debt, there are certain things that are to take place : 1. You must get written proof that your account has been sold or assigned to the CA 2. You 'll also get a copy of your current account payment history. This will help you verify the total amount you owe, including any fees being added to your debt. You should also find out how the CA has calculated these extra fees. 3. A copy of the original contact. This is intended to prove to you that you agreed to the debt. If they do not provide you with a copy of the original agreement, the CA may also provide you with the account statements from the original creditor. If they validate the debt, the collector is required to send a copy of your agreement with the original creditor. This was not done.
07/07/2016	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	GA 30294	Web
I discharged this Debt with XXXX XXXX and this company as well as others continue to contact me but I have successfully disputed this Student Loan Debt. This IDENTITY THEFT XXXX XXXX. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is purchasing something from another CORPORATION.
08/27/2020	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	TX 76542	Web
Hello, I have a loan with ECMC currently and I'm in Chapter XXXX until next month. I have attempted to find out what my options are regarding decrease/pause on interest accruals and have only been slapped down by ECMC with any attempts I have to try to reduce my burden after my bankruptcy is complete next month. While the rest of the nation enjoys no interest and no student loan payments I'm still throwing money away. I have paid in over XXXX during my bankruptcy but while ( exorbitant ) interest is still accruing no one is willing to assist me in helping me reduce my loan debt. Obviously I have no issue trying to repay my loan but I'm also at the end of my rope with ECMC who cares little about my mental or financial well being. I've contemplated what I might do if I'm unable to resolve this and move on with my life and should anything happen to me it will certainly be because of ECMC and the ridiculous interest rate and unwillingness to assist me in reducing any of this. I'm going to reach out to my senators and state legislature members as well because I need help and I need to know help will be there when I come out of bankruptcy next month. Thank you, ECMC XXXX
04/29/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	MI 485XX	Web
This is a correction to XXXX. A Student loan that I was not aware of was being garnished from my wages. I was never notified from the company or employer. I then had a medical issue which caused me to take time off work. I then had to file bankruptcy. I informed ECMC that I was looking in resolving the confusion and that they need to defer or put a forbearance on the remaining balance. They refused and continued with taking my tax refund and then when did return to work and still having the ombudsman involved in looking into the issue with ECMC, I was still being garnished. Even after bankruptcy filing. ECMC took almost {$20000.00}. They never communicated or contacted me. If they knew my employer then they should of sent certified mail there if they continue to say they mailed info out. They did not. Why would I default on a loan when I was paying my original student loan on time and it was set on autopay. They created a more of a financial hardship after the bankruptcy then before it. The amount of the loan and what was garnished are very close and what they said was my remainder balance was wrong. It should of been in a deferred or forbearance to reduce fees and interest.
09/27/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	FL 32817	Web
Illegal collection whereas ECMC garnished my wages for the XXXX time within two years without notifying me, validating the debt or allowing a consolidation, as the law states prior to an order of garnishment, for ECMC was made aware in 2014 when the debt was release. even though the debt was removed by the department of education removed from my credit report and resolved in 2014 by ECMC, this company refiles the paper work to start the process again and refuses to acknowledge the laws concerning consumers rights, this type of collections tactics is causing financial hardships, putting my housing and employment in jeopardy. Two years ago they attempted to garnish my wages and was forced to release the garnish 4 weeks after I complained, asked for information, provided them my current information and all collection attempts stopped and the garnish was released but now they are garnishing my wages under another collection agency without the proper notification required by the law and with no paper trail present this is invalid action since this action was halted in 2014 when this matter was resolved. This is harassment and unfair collection practices and needs to be resolved.
08/23/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	UT 84403	Web	Servicemember
I am responding to CFPB Complaint # XXXX. Another Administrative Wage Garnishment Letter was sent by ECMC to my employer, even though ECMC told my attorney via phone that they XXXX and a cancellation letter was sent out to my employer. My employer has not received a cancellation letter. My employer told me that ECMC is threatening to sue them for not garnishing 15 % of my gross pay. ECMC states in their response to complaint # XXXX that they sent their attached XXXX XX/XX/2019 letter and a Financial Disclosure Statement form to fill out and return within 15 days of the Letter to my attorney, but there is no form in this letter. My attorney has not communicated with me that he has even received this letter. The letter they attached for the complaint is addressed to the wrong address for my attorney. My attorney faxed and emailed with ECMC. Why can't ECMC type the right address on letters? Why can't ECMC fax or email with my attorney like he does with them? This is evidence of ECMC NOT COMMUNICATING WITH MY ATTORNEY. ECMC is dishonest, incorrigible, and impossible to work with. They will not work with my attorneys and this has been going on for a decade.
05/21/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	PA 152XX	Web
I am currently in Chapter XXXX Bankruptcy repayment, so I am not required to make payments on my student loan. My loan is serviced by Educational Credit Management Corporation ( ecmc.org, ECMC ). I can, however, make voluntary repayments, which I have been doing for a number of months in order to avoid interested being capitalized back into the principal of my loan. On the ECMC website, when you select to make a voluntary payment it tells you how much interest per day is due on your loan account. One can not decide to pay one loan or other, a single payment for your account with ECMC must be made. What is not made clear is that this amount is PER loan. This is very misleading and led to me not making the correct payment ; I was underpaying by 50 % when I thought I was paying the correct amount to avoid interest capitalization. One must look elsewhere on their website ( and really dig to find it ) in order to discover that the amount on the voluntary payment page - where most people are looking for this information so that they can make the right payment - is in fact PER loan, not a total amount for your entire account with ECMC.
04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web	Servicemember
I noticed these fraudulent accounts on my credit report and I've disputed them several times with ECMC and XXXX and they are still stating these are mine. The information being reported is fraudulent and inaccurate including dates, amounts and activity status. I lost my identity documents on or about XX/XX/XXXX including my drivers license and social security card. This is an unknown account. Someone tried to attend school in my name. It looks like XXXX have been PAID IN FULL on my report but they are still reporting as charge offs. I've been a victim of identity theft and even had my taxes garnished for over {$9000.00} because of this I now keep several precautions in place to keep this from ever happening again but I need this deleted. This is messing up my credit and I am a single mother of XXXX who has struggled through the covid-19 pandemic to try to become and homeowner and this is holding me back. I have good credit, please delete these 5 fraudulent XXXX balance accounts immediately. Thank you. Account Opened Amount ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00}
02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 331XX	Web
I received correspondence from ECMC via email regarding a 2004 student loan in the amount of {$420.00} with instructions to reply to the email in order to prevent the loan from going into default status. I replied to the email each time it was sent but did not receive a response. It turns out that their instructions were incorrect and that no one at ECMC was monitoring that mailbox. The loan was subsequently placed into default and I was instructed to make 9 consecutive payments in a 10 month period so that the loan would be returned to " good standing. '' I made the required loan rehab payments and then proceeded to pay off the loan balance. ECMC then informed me that the loan would remain in default status because I had not submitted paperwork regarding the loan rehab. A loan rep had sent me invalid links to sign documents electronically. I requested proper links for documents several times but received no response. My credit report still reflects a defaulted loan and ECMC either does not reply to my requests for correction or replies with a form letter that is unrelated to my request This has caused me irreparable financial harm.
06/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46038	Web
Premier Credit of XXXX XXXX placed a levy on my bank account on behalf of the XXXX. On XXXX/XXXX/15 I called the XXXX on the situation and they recalled the levy and sent notification to Premier which should have lifted the levy on my bank account. I called Premier on XXXX/XXXX/15 to confirm they received the notice and they said they had not. I then called the XXXX on the matter and again they confirm they sent the notification. I then called Premier and they again said they had not received the notification. I made a total of XXXX calls to the XXXX and Premier and over and over again the XXXX confirmed this as a result of looking into their data base which the employee used to send the notification. I also made XXXX calls to Premier and leaving my number for the manager XXXX XXXX to call me back. this was about XXXX. I waited till XXXX on his call to help with the mater which I called him at XXXX. Premier has refused to look into the matter to resolve the issue. Make take on that is they are lying about the matter so they can get the levy and receive the fee. Why would the XXXX make such a story up or lie on the matter!
04/26/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	GA 30144	Web
I have a student loan, XXXX I wasnt sure I had, since I had just paid off XXXX. Anyway the collections emails started, and then the calls. On the call, the woman asked for not only payment, but wanted all my tax info, including all my wife 's information. Since I was at work, I told her, repeatedly, like 4-5 time, that I do not have the info she was requesting. She kept asking for it, asking for a ball park estimate, all kinds of ways. I finally told her the only way I could possibly get her the info was to walk off the job. She said fine and that she would call me later in the evening. Then, a few days later, I got a letter stating my wages were going to be garnished in the next week, and then the week after that, my paychecks were being garnished. Also there is almost XXXX dollars charged for for collection fees. All the money they are garnishing is only going to interest. I tried to explain that I had tried multiple times to submit for a loan rehab, but the website will not progress past the second to last page, even when I switched browsers. That tells me it is theirissue, and not operator error
03/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	AZ 85210	Web
I contacted Premier Credit ( I have never heard of them, I was referred to them by the original creditor when I contacted them to find out what I owed ). I offered to pay a lump sum ( {$500.00} ) to pay it off in full ( less than current balance of {$740.00}, more than original debt of {$440.00} ) or to setup a payment plan. I was transferred to " XXXX '' an " account manager '' and he immediately told me, " my levee department is already working on freezing your bank accounts and getting your wages garnished ''. Now, if there is a judgement against me, I am not aware of it. I had never even heard of this company before I reached out to OFFER to pay. He refused the payoff amount and when I asked about a payment plan, he again started talking about wage garnishment! This debt is for XXXX State Taxes from 2012, so I do n't know if its time-barred or not, but even if it is not, I am not aware of any legal action by them against me, so he had to be lying to try to scare me ... and honestly, there is a little 1 % of my mind that is now worried my bank account will be frozen next time I go to use it.
08/09/2017	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	CA 92234	Web
Hello, I have a paid collection with ECMC for {$250.00} back in XX/XX/XXXX. I thought my mortgage company paid off my XXXX XXXX, so I thought back in XX/XX/XXXX. then in XX/XX/XXXX XXXX XXXX contacted me and said I owed {$110.00} along with 2 years in payment coupons. I called many times speaking to reps in another country, they just kept saying I owed the money but could n't tell my why. after about 8 months of fighting with XXXX XXXX, XXXX XXXX then " charged off '' {$250.00} and sent me to ECMC collections. I was finally done dealing with these idiots and paid off the {$250.00} in XX/XX/XXXX. I have been writing to ECMC to please update my credit report to " paid '', instead they are listing my credit report as " failed to pay ''. I just pulled my report on XX/XX/XXXX and they now reported me as 120 days late in XX/XX/XXXX. I feel all this is in retaliation, I even have a letter stating " paid in full '' is n't this illegal? BTW, my credit score is in the XXXX 's however this false report to XXXX has cost me the best possible refinance interest rate, showing that I have a serious delinquency.
05/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	IN 46237	Web
we were never notified by them of the debt.they claimed they sent a letter and called. I told them I never receieved a letter or call. Woman said they tried and if I do n't answer they cant leave a message.And we never knew until we got a call from the bank and called and ask why.the very rude woman said it was a tax lien by the state. I looked on the department of revenue site I owed nothing .I called the department of revenue and they said it would n't show on line because it was a audit that found we owed more money for 2012 and those do n't have case # to show. Department of revenue said call premier back and they should make arrangement. the woman there said only way she will make a arrangement is XXXX today .I advised I do n't have that and she said well we wont make a arrangement .I told her the superviosor with department of revenue said they are suppose to. she advised me the department of revenue ca n't tell them anything to do or how to do it. And they still have our bank account frozen and refuse to make any payment arrangements.And trying to collect a amount not even owed.
05/20/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	NY 10019	Web
I defaulted on my student loans last year due to a bankruptcy filing in XXXX XXXX , 2016 . For some reason unknown to me my student loans totaling approximately {$110000.00} which has received substantial payments over past 20 years was apparently and without my knowledge sold by my former loan handling company XXXX to another company called ECMC. These people promptly added a whopping $ XXXX " collections fee '' making a total balance of approximately {$160000.00} and then began to repeatedly call, threaten, harass, intimidate and extort me into signing a contract with them for monthly payments, or they would cause a great deal of trouble for me due to my unintentional loan default and bankruptcy. They said if I paid for 6 months they would take me out of default, and faced with these threats and my fear, I reluctantly signed their agreement and began to make these monthly payments. My question is was their conduct legal? Can I remove this $ XXXX " collection fee '' markup in my already hefty student loans? I really can not afford this. Please help, advise and assist.
05/09/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	WA 98684	Web
I have been making payments to XXXX XXXX for two years. Today I discovered that another company XXXX XXXX XXXX XXXX is holding XXXX of my student loans. I had no idea. I have had the same email and phone number for 15 years and I have NEVER heard from these people, ever. As a result my taxes were seized leaving me in dire straights. What really makes me angry is that if I had KNOWN this loan was with this company I would have addressed it, I could have had them all consolidated so I can make payments together. Because they have acted in secrecy, by never contacting me, two years after making on time monthly payments my credit score is still suffering and I have XXXX loans in default. I have struggled to get my credit on track and this is a huge set back. Not to mention I actually owe XXXX more than I took out in student loans thanks to insane collection fee 's. I want my loans taken from these people immediately. I want them placed with XXXX XXXX, the company who reached out to me and helped me get this started. I also want XXXX to receive repercussions for their part in this.
02/11/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TN 382XX	Web
For the last 3 and a half years ECMC has been taking payments out of my check every two weeks. Before I left my employer I was told that I owed around 2-3 thousand on it and that it would be done. However, my credit report still shows that no payments have ever been paid at all. I have been dealing with them for around ten years now. Here I thought I was at the end of this and it shows that nothing has ever been paid. I feel like with payments over the years and payments from my checks that I have paid this loan back several times over. I am sure I can get my financial statements from my old employer showing all the payments that have been paid, but when I speak to them they are hateful and rude and make threats. I am a single mother of XXXX children. I am wanting to buy a house but can not do so because of this company. I don't understand how they can do this to people. I agree I proba ly still owe 1500 to 2000 and would not mind paying it if I knew for sure that it would help. I just want to be able to give my kids a home and provide for them and feel like I cant.
01/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 082XX	Web
Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXX tax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.
02/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33027	Web
i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. thank you for your time concerning this matter at hand
10/08/2017	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	TX 78748	Web
I was contacted by Alaska XXXX on XXXX in 2015 they informed me that I owned on my student loans. I tried to make a payment plan and they declined stating that the only option is pay the loan, go back to school for deferment, or default. I then told the rep that I was going back to school. XXXX University then sent them a letter to them and all my federal and private student loans stating my enrollment. But shortly after the get a letter from premiere credit stating that my loans are being handled through them. I called to told him them the same issue and they stated that they would handle it. Nothing has being done and when I call they tell me the same thing while this bill is accumulalting fees. Due to my contract I 'm in deferment until I get out of school and it seems that they are n't trying to work with me knowing my situation. I 've tried to communicate with them and they tell me they are handling the issue but the bill are still coming and fees are still accumulating. Please help. I do n't want to own more on loans while I still getting my education.
01/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91977	Web
Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and XXXX, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT! Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!
09/14/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MD 20716	Web
I had been receiving calls for months from ECMC about bringing my student loan to current standings. Whenever I would call and attempt to work the issue out they would give me a link to a website to go to to electronically sign the papers with the last XXXX of my social. After multiple attempts at putting in my social it would lock me out. I would go through the process multiple times and explain to them the issue with no reason as to why I was n't able to log in and fix the problem. I continue to receive multiple calls a day from ECMC. Eventually I received paper work at my job for a wage garnishment. They have the wrong social security number and the wrong amount for my loan. When I called to tell them that they said y that I have to send them a copy of my social and it would take XXXX days for it to be updated in the system and in the mean time legal action would continue and I would keep receiving multiple calls daily. They could n't change it in the system or stop the harassment until I fixed their problem, their mistake. Absolutely unacceptable.
03/10/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	NV 89081	Web
I went into default 8 years ago with educational credit management for a school loan.They sold my debt to performant creditor. I made payment arrangements of XXXX dollars a month on the XXXX to be direct deposited out of my account. I have never been late or had a missed payment. They send me a letter each month saying they are taking out XXXX dollars and the account information. Educational management sends me letters every four years stating that I need to settle the account. I called up and they told me I am in good standing then they transfer me to a lady that says I must resettle the debt. I told them I had made arrangements with the creditors they sold my debt to. They said those are volunteery payments and dont count. Now thet sent a letter saying I am in default even though they took out XXXX dollars XX/XX/2021. Now they sold my debt again to a credit company XXXX and they added XXXX in fees. I am paying the original agreement as agreed they are harassing me in and already stressful time covid. I have bank records proving I payed as well.
06/22/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NY 130XX	Web
My student loans were part of a chapter XXXX bankruptcy that was discharged in 2014. Initially, the amount outstanding claimed was {$1700.00}. Soon after, Educational Credit Management Corp. added approximately {$8000.00} to the balance for " fees ''. It is my knowledge and belief that this is illegal, as I understand that the CFPB has enforced proper sanctions in similar situations. My loans are 30 years past due. I never was able to obtain employment as a result of my education. I am unemployed now. When I attended school my program that I was enrolled in was terminated by the school so that I could not receive a degree in that program. I will be applying for dismissal/forgiveness of my loans through proper channels. I ask that the board act on this complaint to resolve the immediate issue of improper debt collection practices asap. I also request suspension of debt collection activity as well. In addition I request that my tax refund offset of {$1300.00} be sent to me from this debt collector which it has recently collected from the IRS.
08/01/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	XXXXX	Web
Back in 2007, I attended XXXX XXXX , XXXX ( XXXX University ) now called XXXX XXXX XXXX. I submitted a request to be withdrawn from attendance within the required time frame. The school had informed me that the loan would not take effect immediately, but would be disbursed in future semesters towards the end of my degree plan ; they withheld how the loan disbursement would actually take place. They never processed my withdrawal request, and instead kept me on their attendance records to they could collect on the loan disbursement, which they did. I have contacted the original loan servicer, XXXX, requesting to dispute the loan, and they referred me to ECMC, the current loan Servicer. After contacting ECMC to dispute the loan, they are refusing to acknowledge my documentation and complaints on the matter. They keep sending me back and forth to address the matter with XXXX XXXX for a record correction, even though the school keeps ignoring my inquiries, and the school is owned by ECMC, the present loan collector demanding I go to the school.
12/08/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	GA 30741	Web	Servicemember
The servicer contacted me back XX/XX/XXXX of last year and told me that my loan was due for repayment. I specifically asked them to send me any original paperwork bearing my signature from the original date of loan. The representative said they do not provide that information and I will have to repay the loan without them validating the signature on the loans. I have sent them a letter in XX/XX/2018 requesting the same information again and never heard from them again. I received a letter on XX/XX/2018 stating they are proceeding with wage garnishment without following proper Federal code ( 4 ) ( h ) ( 1 ) ( B ) Federal Rule to Civil Procedure of sending a summons to appear in court. I am sending them a letter in writing again with return receipt requested, asking for Original documents Bearing My Signature from date the loan was started. The loans were cancelled 1. XX/XX/2006 and loan number 2. XX/XX/2006. They were both cancelled on the same date. I didn't attend this school nor did I sign any loan paperwork for this institution.
02/28/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33511	Web
I went to XXXX College in XXXX AZ for a trial time. I did not complete my classes there and was told that I they were a new school for XXXX and XXXX and they were introducing a non traditional platform for people that did not want to go to a big college.I decided not to go to this school because they were getting sued and we also found out that credits could not be transferred because they had the incorrect staff teaching classes. I opted out of continuing to go to this school. I did sign paperwork acknowledging I was a trial student ( is what they told me and hundreds of other students ) All of a sudden I am getting garnished years later. I called the collection place ECMC to dispute this and they did nothing for me. I am not able to find any documents because i have moved and around a lot since my attendance with XXXX college. So many other students are fighting this debt too. ECMC was not able to show me what i signed but they are saying I owe XXXX. I have attached some news on the school as well XXXX XXXX XXXX XXXX XXXX XXXX
09/15/2022	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	TX 77042	Web
I've reviewed my credit report. After requesting validation, It occurred that this item had not been verified with accuracy and completeness, as required by FCRA. I contacted XXXX : XXXX XXXX XXXX XXXX, asking to verify payment in full; was received in the amount of {$280.00} on XX/XX/XXXX ; in exchange for removal. However, this account is inaccurately reported as a closed and paid collection account. I spoke with XXXX from XXXX on XX/XX/XXXX, approx. XXXX XXXX. She stated they were not a collection agency, but a guarantor. However, my credit report is reporting as a collection account ( Please see attached ). This collection account exceeds the statute of limitation, is reported without my consent and is being reported against my right to privacy. It also violates my right to privacy, according to the Fair Credit Reporting Act. I, the consumer have the right to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with FCRA. This account must be discontinued from reporting and deleted!
08/16/2019	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	TX 78634	Web
XX/XX/XXXX- My number was called more than twice by robodialer. When I answered the call the call was dropped. XX/XX/XXXX- I returned the call and asked that my number be taken off the auto dialer system. Agent stated she would address it. Agent offered me full repayment option of $XXXX. I stated that I didn't have that amount of money. Agent offered a loan consolidation. I stated that I was uncomfortable engaging in any contracts over the phone. XX/XX/XXXX- Received a blind carbon copy email at my workplace email address from XXXX XXXX XX/XX/XXXX- Received phone call at my unlisted workplace phone line from XXXX XXXX. I stated I had not given authorization to be contacted at work and asked not to contacted at work XX/XX/XXXX Received unsolicited phone call from XXXX a month after my bankruptcy was finalized to rehabilitate my student loan. Despite receiving little information on the status of my loans which were being paid in the bankruptcy or discussion of alternatives, I was pressured into an agreement to pay $XXXX a month.
06/27/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX 77091	Web
On XX/XX/XXXX, I received a copy of a promissory note from the organization XXXX for a XXXX XXXX Loan from XXXX. The personal information on the document is either irrelevant or fabricated. XXXX was able to garnish my wages without contacting me. On the promissory note, the information provided is completely fabricated and uses my maiden name ; I legally changed my name in XXXX. I lived in XXXX - XXXX XXXX - from XXXX to XXXX, at which time XXXX XXXX Loans were taken out in my name in XXXX, XXXX, and XXXX. Additionally, the information connected to the XXXX references is not even people I am connected with. The mailing address, phone number, and email address are fake. According to XXXX, the loan was disbursed to the University XXXX XXXX ; however, the University XXXX XXXX states that they do not have a record of the disbursement. In closing, a loan of {$21000.00} was taken out using inaccurate and fraudulent information connected to me ; the only information which is correct is my birthdate and social security number.
07/28/2016	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	GA 30127	Web
Immediately after my XXXX XXXX bankruptcy was dismissed in XXXX 2016, I began receiving phone calls from ECMC about a debt. I had no knowledge of the type of debt until I googled the company and read the reviews. Later that day, I was contacted by a rep from ECMC who proceeded to explain the nature of the debt. We went over some basic information and I realized it was for my student loan which the company says I am in default because of the bankruptcy dismissal. On XXXX XXXX, I gave the rep my communication preferences which included my home number and the immediate removal of the temporary work number that I did not give them ... or give them permission in which to call me. Today alone, I have received 3-5 robo calls from them as transfers to my employer. The calls began in late XXXX and have been continuous since. The live person I spoke with today, threatened me with wage garnishment on my employer line, and said she received no communication to remove the employer number so they have continued to robo call the number.
01/27/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	GA XXXXX	Web	Servicemember
I have been XXXX, in and out of the hospital and in homeless veteran programs trying to survive. My storage locker was auctioned in a storage locker auction. Since that time I have been the victim of identity theft and homeless. I have been living out of friends and families homes. I am currently working with the XXXX XXXX Hospital now to put my life back on track. My income is only my XXXX XXXX XXXX XXXX XXXX compensation of XXXX a month. I have dependents XXXX small children. I am on public assistance ( welfare ). I need help and would like to have the opportunity to rehab my defaulted student loans. I have called numerous times but never a resolve or help. I actually got a rep to tell me instead of rehab they would take my military XXXX and I would still have a debt. I was told on another occasion rehab for default student loans was not a guarantee and just because I was homeless didn't mean they were going to do anything. So instead of wasting postage stamps I am on this platform hoping for a better solution.
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92707	Web
ECMC and or Educational Credit Management Company these accounts were properly investigated and came back as verified. However how is that true when there are several inaccuracies on my report? As a consumer I request to know all the steps your agency took to insure items were 100 % accurate under 15 USC 1681 ( 7 ) method of verification description of reinvestigation procedure. Account Name : ECMC ( 7 line items ) Account Number : XXXX Company does not have a Surety bond and is not lawfully collecting debts in the State of Texas nor California Please investigate if every piece of information is correct. If not, please remove it from my credit report. Wet ink Signature provided was not my signature but yet they still try to pursue this debt even though I have provided police report. Company does not hold Surety bond in Texas or California and still reporting this debt on my report. The company has passed the statute of limitation on debts that are not even mine and should not be reporting on my credit report..
02/20/2017	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	NC 28655	Web	Older American
To Whom It May Concern, Been trying to text and call XXXX and ECMC but no response to contact, They mailed whatever to wrong address with wrong name. I have been through bankruptcy, loosing my house and all personal items, and moving to a better paying position. Called ECMC and told them I was not paying on this bill they labeled XXXX. In XX/XX/XXXX Married and XX/XX/XXXX graduated using XXXX. So big issue of who signed the paperwork. He forged my name to Fed and State Income tax as well. Called they refused to even change the name. There is no such person as XXXX. They have set payment beyond what I could do, question of who signed it, and how to get it turned around. Considered an Attorney for damages. I am doing well now, turned things around, and having more income. Want to get on with things. But I will not pay their interest on this for the past 16 months of sending infor to wrong address, question of who signed it, and in wrong name. They do not respond with any contact. I was striped financially period.
09/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35010	Web
ECMC was previously servicing my student loans from XXXX. The original loan date was XX/XX/XXXX, original amount was {$11000.00} and {$11000.00}. I have requested several times to ECMC and all 3 credit reporting Bureaus to correct inaccurate information on my credit report. The loans are no longer serviced by ECMC, every month from XX/XX/XXXX thru Present Interest is being added to the loans in violation of the CARE ACT for 0 % interest until XX/XX/XXXX. ECMC is showing 29 late payments on my credit report that is negatively affecting my credit rating. The Open date is incorrect on all 3 of my credit reports it should state these loans were opened in XX/XX/XXXX. I have requested the validation of these loans and the breakdown of the current amounts of {$33000.00} and & {$24000.00}. The loans were transferred to another servicing company which is also reporting on my credit report and it show that I owe Double the amount because the loans are showing owed to 2 different loan servicing companies.
05/22/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA XXXXX	Web	Older American
My signature was copied and used on a promissory note by a financial aid officer at a XXXX in 2002. I was informed by an unknown person that this suspect was being investigated ( during this time frame ) by a voice mail left on my answering machine. I was asked to call. I was too sick to return the call at the time and actually forgot about it until my XXXX refund was intercepted by ECMC. I explained the situation to them and they asked for proof. The school has changed names, all of the staff have been replaced and no one can provide the answers that I need. I am left to struggle with a meager XXXX that has also been intercepted by ECMC and currently on XXXX. My utilities are months behind ; because I was expecting my tax refund. The XXXX informed me that ECMC should never have been involved ; because I was under forbearance for other loans and was also a student. It has been a nightmare that has caused my life to take a downward spiral. I need help please.I am also XXXX.
07/15/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	SC 29642	Web	Servicemember
The Company ECMC contacted me in XXXX with a debt that they indicated i owed for loans at a school i did not attend in XXXX, S.C. I indicated that they needed to stop the procedure of garnishing my wages because this was NOT my debt. They filed papers to garnish and eventually took {$2400.00} within the time frame of a job that i left because i felt i did not owe the debt and did not know how they were able to legally do this. I wrote this company twice with the 2nd in repsonse to them trying to track down another opportunity to garnish my wages ; in response, i wrote a certified letter indicating my actions that i would take, this was done on XX/XX/XXXX. I had not heard back from them until i got a notice regarding my debt with my credit score and noticed that they closed my account with them. I am not seeking legal counsel on my own to sue the company but am asking on my behalf with this complaint that the company reimburse the money that they took illegally from me.
06/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY XXXXX	Web
On XX/XX/XXXX ECMC was given notice by i : XXXX XXXX, to Cease and Desist collection. This notice was not returned nor did ECMC respond. On XX/XX/XXXX, i notified CFPB via compliant ( XXXX ) regarding ECMC threatening to use my social security and personal information. ECMC responded they have no account with my information. It comes now on XX/XX/XXXX, i received an alert from XXXX XXXX that my credit score was decreased because of 7 ECMC collection accounts added. Upon review i noticed XXXX has the account listed as collection accounts and XXXX has the account listed as credit both accounts list the open date as XX/XX/XXXX. This is a violation to the Cease and Desist Notice dated XX/XX/XXXX, FCRA ( which state debt collector are to report accurate information, FDCPA ( are to cease and desist when notified ). By ECMC attempting to extort i for money not owed this falls under RICO frauds and swindles. This also is paper genocide and violating my indigenous rights.
04/26/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX 759XX	Web
The entity claims I owe them money for a debt I do not owe and had never paid on but on my credit report they have been throughout the course of ten years making it appear to where I started and setup a payment with them and have been making payments to them which I have not ever once. I have not even contacted them throughout the span of ten years. Everyday I get harassed by phone calls all from different yet local numbers ( too many to count ) to disguise the true nature of who was really calling my house. They will get on the phone trying to bait me by impersonating someone other than a debt collector. They sent a fear factor letter in the mail threatening to take funds out of my check. Since I have known them to be irrelevant I have to step up and now and take action towards them and ask for proof of any transactions they claim I have made to them so they can be made fools of I can be left alone. I have stressed and endured harassment long enough over this.
07/30/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	GA 30328	Web
Through the attached communications I am slightly confused by who is the correct person and/or agency to answer the questions that I have concerning the loan and thus, I am forwarding to CFPB to get the answers to the following questions : 1 ) confirm that the ECMC added " collection cost '' fees are payments that they are requesting be made for the skip-tracing tactics that you used to collect the debt including calling references and those not listed as my references in the original loan? 2 ) why would Navient, and not ECMC be able to answer the question in regards to how ECMC defines what the collection cost ECMC is charging in the prior email? 3 ) What is XXXX current role in regards to the debt ECMC bought from them? 4 ) Is the collection charge instituted from ECMC or is it from XXXX? 5 ) Should all questions and concerns be sent to them? 6 ) Does that mean that arrangements can be made with them and not ECMC, are they considered to be one in the same?
04/26/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	GA 30032	Web
Th e Educational Credit Management Co. ( ECMC ) is ha rassing me to pay a debt for a closed school I neither attended nor signed a loan agreement to attend and denied my request for a loan discharge in accordance with procedures specified in paragraph ( d ) ( 6 ) ( i ) of 34 CFR 682.402 section A : ( d ) Closed School ( 6 ) Guaranty Agency Responsibilities ( i ) Procedures applicable if a school closed on or after XXXX XXXX , XXXX , but prior to XXXX XXXX , XXXX . ( A ) If a borrower received a loan for attendance at a school with a closure date on or after XXXX XXXX , XXXX , but prior to XXXX XXXX , XXXX , the loan may be discharged i n accordance with the procedures specified in paragraph ( d ) ( 6 ) ( i ) of this section. ECMC confiscated my XXXX tax refund without a MPN on file and is aware the XXXX XXXX XXXX XXXX has closed for recruiting violations in XXXX but is still attempting to collect my XXXX refund.
02/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 386XX	Web
XX/XX/XXXX/ECMC is reporting false and inaccurate things on my credit report. They sent me a promissory note stating that I signed on it. I have attached the promissory note there is no eligible signature on there. There are just letters. This is not my account. Looking through the promissory note you can clearly see that there are other false and inaccurate information which is a violation according to 15 USC 1681. I attached the response that they sent me on the CFPB. I highlighted all my responses throughout this response. ECMC response violated many different laws. This is not my account this is inaccurate information on my credit report. Any inaccuraries on my report should be removed off of my consumer report. Any inaccurate or unverifiable information should be deleted off my credit report immediately according to 15 USC 1681 5 ( a ) ( 1 ) immediately! I have attached the promissory note, affidavit of Truth, ID and SSC, cease and desist letter.
03/12/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	CA 948XX	Web	Servicemember
I filed for chapter XXXX bankruptcy relief on XXXX/XXXX/2015. My case was dismissed due to not paying my installment fee by due date. My case was re-opened. During the time that my case was dismissed creditor I am complaining against sent me another attempt to collect debt from a completely different company ( since they were included in my list of creditors ). I went to bankruptcy clerk to amend my list of creditors to include this company although they were originally listed as ECMC. About two weeks later I received an attempt to garnish my wages from the same company but using an address different than the one I included in my amendment. I should not be receiving any attempts to collect as I am under an automatic stay and have also requested an extension to my stay due to my case being temporarily dismissed and re-opened. I have been disputing the validity of this debt for 10+ years and this debt keeps being resold to different creditor companies.
10/11/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 08105	Web	Servicemember
I, XXXX XXXX, would like to submit a complaint against Educational Credit Management Corporation and XXXX XXXX for taking collection activity on me for time-barred student loans they are not permitted by law to collect on. These entities also blocked Title IV Federal Student Aid benefits I was entitled to for semester Fall XX/XX/2018. They lied on the amount, character and legal status of the loan to facilitate a loan rehabilitation agreement in which they collected monies from me. I submitted timely objections per the loan rehabilitation agreement citing all the reasons I made in this complaint and they have gone unanswered. They sent me a letter stating that they was going to wait for the submission of documents for me in regards to a loan discharge due to a XXXX after they told me on the phone that they wasn't going to process it. I understand that CFPB is empowered by law to enforce the Fair Debt Collection Practice Act and subsequent state law.
12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS XXXXX	Web
I went to XXXX XX/XX/XXXX for less than 12 months XXXX XXXX to XX/XX/XXXX, to get Masters at the satellite location at XXXX XXXX XXXX. I attended XXXX XXXX for a couple of years. Either way, per the financial office XXXX XXXX XX/XX/XXXX, Treasury Department, on XXXX XXXX, XXXX, at XXXX XX/XX/XXXX, they said, it did not cost {$18000.00} to get XXXX XXXX. If there was a refund it should have been credited to the loan. ECMC has sent people to my home address. They sent mail to my neighbors house. They started garnish my check. I have asked to see cancelled checks to see who signed off on the checks. I did get some funding for XXXX XXXX for an essay that I wrote. I did not use all of those funds that were allocated to me and I did not get a refund for any monies while at XXXX XXXX, nor XXXX XX/XX/XXXX. I want to see the cancelled checks for signatures of who signed for the checks and what bank account did they go to for deposit or to be cashed.
03/05/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	KY 40220	Web
ECMC Which I have never taken a loan from are historically and repeatedly destroying my credit report after being paid in full years ago. My Original student loans were from XXXX XXXX and then sold or transferred to XXXX different collection company 's ECMC being XXXX of the company 's involved. I paid all student loans off and after being paid ECMC appeared on my credit report. I have tried to contact them and ask for an original contract to show that I had a loan through the company. I never received any response. I disputed this with the XXXX credit reporting agencies and it was deleted from my XXXX file for lack of proof 2 years ago and last month ECMC decided to change all the open dates and amounts to look like a new account and re reported to the collection agencies. It is very difficult for me to get any information from this company about the accounts in question and I would like them deleted from my credit reports immediately.
11/04/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MS XXXXX	Web
I attended XXXX XXXX XXXX Fall XXXX to XXXX XXXX, received Masters on XXXX XXXX, XXXX. I worked at XXXX at the time in a leadership role. The company paid for my education to attain the Masters Degree Program in order to develop my career. I have filed Chapter XXXX twice and the 1st time XXXX. XXXX XXXX told me that they were paid off after the 1st chapter XXXX. When I began to get more notices for student loan debt, they began to garnish my check. I filed chapter XXXX again to gain help from legal regarding student loan. I did not succeed and I dismissed the chapter XXXX in XX/XX/XXXX. I contacted ECMC and began a payment plan of {$770.00} each month as I am in fear of them garnishing my check. My identity has been stolen more than once without my knowledge or permission. I did not attend school in XXXX. As the ECMC accused of disbursing {$400000.00} to me for expenses incurred at the XXXX XXXX XXXX. No, I did not get these funds.
09/05/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	DC 20017	Web
For at LEAST 2 months now, I have been trying to obtain information about my student loans. On XXXX XXXX, 2017 I sent a Debt Validation letter to the US Department of Education to see who is collecting on my student loans because they are showing In Collection on my credit report. When I call the student loan lender at XXXX an automated message states that XXXX XXXXXXXX XXXX XXXX XXXX is collecting on my student loans. When I call XXXX XXXX XXXX XXXX XXXX at XXXX they state that they are no longer collecting on the accounts and transfers me BACK to US Department of Education. SO neither company can find my student loans and I have NOT received anything in the mail from the Debt Validation that I sent out in XX/XX/XXXX. Also the contact information that is provided on the credit report for US Department of Education is not valid. XXXX is not a valid number and should not be reporting on my credit report as it leads me to no answers.
08/04/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	OH 441XX	Web
I have been trying to consolidate my loans for the past 6 months now. My loans are supposed to be with ECMC-they are stating that my loans are in a repurchase phase and that they do n't have them and that they are to be picked up by XXXX XXXX XXXX. I called XXXX XXXX XXXX and they have no record of me whatsoever. I have been denied numerous time for consolidation because ECMC is holding and reporting incorrectly on my loans. They are improperly servicing my loans which is causing me negative reporting on my credit report. I am trying to re-establish repayment of my loans and can not do so because this agency ECMC is incompetent. Please recall me loans from them or have them properly update my loan information so that I can move forward with my financial obligation to repay my loans. They are reporting that I am in Bankruptcy and I have sent over my discharge notice to them as well and they are still incorrectly reporting on my loans.
02/13/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	NC XXXXX	Web
ECMC on the behalf of its servicer XXXX will not furnish proof that they own the debt and I owe the debt. I have requested original documents from the original creditor that were executed and authorized by me, however ECMC ( & XXXX ) have failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. In addition, I requested a copy of the contract agreement that gave authorization for ECMC to be my guarantor, when I never signed any agreement initial with ECMC nor XXXX. Both companies have failed to respond to my request and confirmed that they can not. ( See attachments ) ECMC has furnished an account number that does not establish its affiliation with original creditor loan number. As well XXXX furnishes a different account number. Through discovery under the FCRA & FDCPA all accounts must accurately correlate and have an affiliation with the original creditor loan number existing.
04/30/2019	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	SC 29687	Web
ECMC is currently collecting for a loan they have yet to validate. Nonetheless, due to unlawful wage garnishments that I never received notice for a few years ago as well as offset tax refunds that were never applied to the loan amount, I reached out to figure out how to resolve this issue. This has caused me much hardship and has burdened me for years and now they are adding unfair collection charges to the debt without explanation. In just one month the loan amount went up over {$1000.00}. I have educated them that I am unemployed and have been now for over a year. They refuse to offer a hardship deferment and ignore my emails. They have been threatening to garnish more wages and offset my taxes, but again I do not work. This is causing me so much stress and they are unwilling to do anything other than tack on more fees and try to collect money I dont have for a loan I dont have validation for from my school or anywhere.
05/11/2018	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	WA 98686	Web
I filed chapter XXXX bankruptcy in XX/XX/2015. XXXX loans were discharged, yet were resold several times despite that to various collection companies. Each time I have contacted the collection company directly, provided them copies of the bankruptcy and discharge notices. Every couple of months, despite contacting all three credit bureaus directly, they reappear on my credit report. I have to submit a new dispute and start all over again. They are currently with XXXX XXXX XXXX XXXX XXXX, XXXX collecting on behalf of XXXX XXXX XXXX XXXX. They call me multiple times a day, despite paying for and providing them documentation of the bankruptcy and discharge notice from now almost 3 years ago. I am feeling harrassed and my credit is being abused and the credit bureaus aren't helping. I don't want to be forced to take thrm to court, but they won't stop and the law should protect me from this. Please assist! Thank you!
11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11561	Web
In XXXX of 2019, i made contact with ECMC XXXX XXXX D/B/A Vice President/ Counsel with the intentions to settle the allege student loan debt by way of debt validation letter. In XXXX of 2019 ECMC sent me a threatening letter stating, they will take my earnings and money in private bank account if i don't pay up. Under duress and fear, I made payment XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 [ see receipts ] to date, ECMC reports inaccurate information, and fails to update their account. In XX/XX/2019, i made payment in full [ see receipts ]. ECMC continues to report inaccurate data, and continue to report the accounts as charge off/ failure to pay ; ECMC agent XXXX receive notice from me with correct information [ see attachment ] but refuses to correct the record. I want ECMC to stop sharing my private data and information, without my written or express authorization.
04/11/2022	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 Investigation took more than 30 days	VA 22193	Web
On XX/XX/XXXX I reached out to ECMC because XXXX stated they verified this Acct. as accurate. I spoke with XXXX XXXX, XXXX and I asked her why are these Acct 's still reporting Negatively/derogatory. My recent report showed it was in Collections, but the Cares Act has placed ALL Student Loans on Pause. No Collections of any kind, no Negative Reporting until XX/XX/XXXX. I asked the XXXX what was the first date of Delinquency and she replied XX/XX/XXXX, and stated that this was Acct. was SOLD & Repurchased again back in XX/XX/XXXX. So the original date placed with them was incorrect. I was never informed that this Acct was Bought and Sold. I asked her how was this possible. She informed me that I can Start a repayment plan now or wait until after the Cares Act expires. XXXX XXXX XXXX have removed this Acct. from my Credit File, and I am Demanding that ECMC Remove this negative reporting from my Credit Report.
08/17/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 90068	Web
Hello, I defaulted on my Student Loans and ECMC now holds the loans and they assigned XXXX to be the servicer. I have reached out to both companies and asked for copies of proof that they are the legal holders of my loans. I am about to begin repaying the loans but before I do I want them to prove they have all of their legal documentation and rights to claim payment in place. My payments will resume on XX/XX/2021. Both companies let me know that the federal pause on student loan payments does not apply to me. Neither company has granted my request provide copies of the documentation. As they have not felt obligated to produce any documentation at all I have become suspicious and wonder if they actually are in possession of all documentation necessary for them to hold the rights to repayment. Please help me compel them to provide the documentation I have requested. Thank you -XXXX XXXX XXXX
07/05/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	PA 19082	Web
I paid off all of my student loans ; however I am being harrassed by XXXX for payment of a student loan. I have requested via online submission for this collection agency to provide me with the originating contract and lending information but they refuse to send me the requested information. This is a clear violation of the FDCPA and UDAAP as I did not have many student loans ( as I received a XXXX ) and the ones I did have were paid off ( final payment made about a year ago ). I was in school several years ago graduating in 1993 and I do not recall having any other loans then the standard federal loans that I have paid in full. Instead of XXXX providing me with the origination documentation they sent an email stating to contact them as they can possibly garnish my tax return or other federal payments. Please assist me with obtaining the requested information and to stop the harassing phone calls.
04/26/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NY 130XX	Web	Servicemember
There was an executive order XX/XX/2021 to cease collection for student loans. ECMC executed a garnishment of my pay on XX/XX/2021. they also continued the garnishment on XX/XX/2021. ECMC did not notify me of this action at any time prior as required to enable me to make payment arrangements. I will in due course make arrangements when able and will attempt to settle the debt with reasonable terms. I reserve the right to have settlement made in any future forgiveness by the government. My school cancelled my curriculum so I was not able to finish and get a marketable degree. I am requesting a refund from the monies garnished this XX/XX/2021. The fax number to charter payroll is XXXX. XXXX XXXX Department. The address to XXXX is XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX. Phone # XXXX. I spoke with XXXX at ECMC. MY name is XXXX XXXX XXXX ss # XXXX. # XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXX
04/28/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30038	Web
On a letter Dated, XX/XX/2019, Educational Credit Management Corporation failed to identify itself as a creditor or Debt collector and conducted Bad Business Practices by falsely stateing that I must act quickly to avoid my student loan payment from going into default and tha, I have not made a student loan payment in six months. That can not be a fact because my student loans are already in default and, I have a payment plan with the Department of Education because of my disability that is payed every month. Educational Credit Management also falsely stated that it is the guarantor of my federal student loans, and has failed to send me a verification notice of the debt that it is trying to falsely collect and has violated several federal laws by not properly identifying it self as a creditor or debt collector in its letter. and has failed to send me any documentation to prove it is a valid debt.
08/16/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	OR 97224	Web
I sought student loan rehabilitation and ECMC stated that I could rehab for 5 % of income/month. I filled out their application and in the fine print in the contract ECMC states that the outstanding balance and collection costs would be capitalized and monthly payments would be based on the recalculated principle and interest balance at time of rehabilitation up to 16 %. I wrote back to the representative and stated that I was going to have a third party look at the contract and would get back to them. While I was seeking third party help ECMC went to court and obtained a garnishment for 15 % of my paycheck. I was ready to rehab my SL and started the process to do so. What can I do to reverse this decision and rehab with the XXXX? These student loans were borrowed for matriculation thru the XXXX from XXXX. The school has since closed. Thank You for your consideration, XXXX XXXX XXXXXXXXXXXX
04/14/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32832	Web
I have been battling ID Theft for over 5 years now. The only part that will not resolve are federal student loans that ECMC has been garnishing my wages ( at XXXX point it was 25 % weekly pay ) and seizure of my tax refund. They have not responded to either of the XXXX lawyers that I hired or any other attempts that I have made on my own. I have proof with a police report AND that the loans were signed electronically without my authorization ( also includes a false address on the signature page ) but ECMC will not review anything to do with my case since it is easier to take the money from me. I am a single parent and the only financial support for myself and my child and as a result of ECMC refusing to cooperate, I am in extreme financial hardship. I want this ID Theft with the student loans to go away and all of the money that ECMC has garnished over the past 5 years to be returned to me.
05/11/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	SC 29341	Web
ECMC/Educational Credit Management Corporation is trying collect on a student loan that I don't owe. I never take out student loan. And just they garnish my wage. I request validation of the debt in XX/XX/2019 & I dispute the alleged debt with any luck. ECMC sent me documents that I never seen before and those docs has information that doesn't apply to me. I ask for the following in my request : documentation to show where I agree to pay them documentation to shows all terms and condition documentation to show their legal standing to collect money from me documentation to show original creditor name and my name on the same document. documentation to show proof of assignment or ownership of the alleged debt Copy of legible original contract I've never apply for a student and I don't owe them any money and ECMC is committing fraud and stealing money from me with the wage garnishment.
05/01/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 94555	Web
ecmc sent me some paperwork however I 's disputing the fees and interest because they are making impossible to repay for example a loan disbursement of XXXX with a repayment amount of $ XXXX. This to me is unacceptable and doesn't see LEGAL. I also have always questioned the pay back amount and XXXX would never provide info I asked for like how is my repayment at $ XXXX oh actually within the last 2 months it was jacked up to $ XXXX. This is just for almost 2 years of schooling. There is definitely something wrong here with the accounting with ECMC and/or XXXX XXXX University which was in control of the disbursements. I have been asking for the last decade about these overcharges and can't get any help as to my options with disputing these loan charges/fees. I am starting to think that someone in the XXXX XXXX Financial aid office took in money that I didn't know about.
10/29/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	CA 95123	Web
ECMC IS WRONGFULLY REPORTING MY STUDENT LOANS ON MY CREDIT REPORT AND IS REFUSING TO CORRECT THE NEGATIVE STATUS. THESE ARE PAID IN FULL IN GOOD STANDING LOANS BUT REPORTING AS NEGATIVE AND MULTIPLE TIMES HURTING MY CREDIT IN A MAJOR WAY. MY NUMEROUS ATTEMPTS TO CONTACT ECMC WENT INGNORED AND THEY ARE CONTINUING TO WRONGFULLY AND NEGATIVELY REPORT THESE ACCOUNTS! 1 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 2 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 3 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 4 ) ECMC Acct # : XXXX Credit Limit : XXXX XXXX XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00}
04/22/2015	Yes	Debt collection Federal student loan	Communication tactics Called after sent written cease of comm	IN 460XX	Web
I submitted a claim with the cfpb in XXXX ( case # XXXX related to case # XXXX ) where I asked ECMC in writing to cease all phone calls to me at both my work and my cell. Their response on the explanation of closure is " Nevertheless, ECMC has honored your request and placed your account into a do not call status. '' Yesterday XXXX/XXXX/15 at XXXX XXXX contacted me in an attempt to collect on this debt. Then she informed me that no automated computer or recording would ever be contacting me. Today XXXX/XXXX/15 at XXXX XXXX called me and it was a computer/automated call. Then again at XXXX this same day XXXX/XXXX/2015 another call to me was made from ECMC from XXXX. So they are not doing what they promised cfpb, nor me. This case is pending a hearing and I need EVERYTHING in writing either via email or letter. And I need them to cease the calls immediately.
11/07/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	MD 20772	Web
I had a XXXX XXXX loan that went into collections. The account has been transferred several times and each company charges me a default fee. The principle balance has been paid but I still owe {$8000.00}. This balance is almost entirely these bogus fees. I complained to the new company that charged me a default fee as soon as they sent me a bill and they stated that my loan docs allow for this fee. The new company did n't even give me the opportunity to make XXXX payment before they charged me for default. I looked at the original documents. They do say that I may be charged a default fee, but not by every company that touches the account. The loan docs do not state how much the default fee is or how frequently it will occur. I do not think this is a fair practice. I should be done with this and instead I am stuck making payments on made up debt.
05/16/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	WA 984XX	Web
The current holder of my student loans is ECMC, who acquired it from XXXX XXXX XXXX. ECMC shows that I owe {$220000.00} on my account. When I look up my account history on the ECMC website, no payment activity is shown for the time period XX/XX/XXXX-XX/XX/XXXX. During those 5 years, I had paid nearly {$1500.00} every month to a Chapter XXXX trustee, most of which was disbursed to XXXX XXXX. In the past I 've asked for a detailed accounting from ECMC to show how the current debt was calculated but did n't get an adequate response. XXXX XXXX XXXX no longer has those records, I was told in a recent phone call. I would like to know for certain that the debt is accurate and valid, but ECMC is infamous for being difficult to work with. Please let me know what options I have. Thank you. By the way, I 'm XXXX years old, if that has any bearing.
12/27/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	MA 011XX	Web
Ok education credit management corporation XXXX XXXX XXXX XXXX XXXX XXXX. XXXX MN XXXX. Are Harassing me and writing letters to my former attorney about a debt I Dont owe or know anything about ... First of all I want them to stop calling me and trying to trick me for information. They threatened me so gave them my attorneys name I am address they are writing him for a debt I dont owe ... In a unrelated matter hes a criminal defense lawyer. And has know knowledge of this debt they claim I'm owe ... They a embarrassing me ... because my former lawyer has nothing to do with this debt. More especially me. They have the wrong guy.. I am Disputing this debt so stop all collection action for 30 days until this matter is resolved. According to the fair debt credit reporting act you must stop all attempts to collect on this false debt.
06/15/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	VA 22003	Web
Called ECMC to inquire about a dispute -- spoke with XXXX ( refused her last name because she said she did n't have to ) She was rude, dismissive and lacked knowledge. She should not be allowed to work federal loans EVER! I requested a Manager bu t she transferred me to whoever she wanted to -a team leader named XXXX . This is the worst experience I have ever had and I do not appreciate this type of customer service when I am being caused financial hardship and doing everything to correct this situation. XXXX needs to be fired! and so does h er Manager for not properly training! Nevertheless, I do not owe this loan, this is fraud and I have presented the proper documents to prove it. I have never been to college and never went to this school. I am being offset for my taxes and this is not my loan. Period!
05/04/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	MS 396XX	Web
I was contacted by Premiere Credit about removing my Wage Garnishment from a defaulted student loan. I wanted this removed so I could start paying back the student loan without further damaging my credit, so I agreed to a XXXX program that had me pay a set amount each month on time to remove the debt. I was told that after the XXXX month had been paid, I was to contact them to remove the auto-payments from my account and discuss how I would start to pay directly to my loans and remove my wage garnishment. I have tried to contact them for a couple weeks now, but each time I call their number and try to speak with a person, it says that their lines are too busy and I should leave a message for them to call me back. I have done this a XXXX times as well as e-mailed them and still no one has contacted me a XXXX later.
02/21/2022	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 Investigation took more than 30 days	VA 22193	Web
XXXX XXXX XXXX Credit Report approx. XX/XX/XXXX and began to dispute inaccurate and/or outdated info. in credit file dated XX/XX/XXXX asking to correct Personal Data, and Disputed an ECMC Collection Account XXXX being reported. I also reached out to ECMC on XX/XX/XXXX advising that I disputed this claim and requested Validation. Mail was returned undeliverable from address listed on Credit Report : XXXX XXXX XXXX, XXXX, MN. XXXX. On XX/XX/XXXX I forwarded copies of returned mail to XXXX and instructed them to DELETE the derrogatory reporting. As of this reporting, XXXX has failed to respond, and I am asking that this item from ECMC be REMOVED from my credit reporting file due to failure to respond with the required time frame according the the Fair Dept Collection Practices Act. ( Prove it or remove it )
04/21/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	NC 27405	Web
My son acquired a student loan but was unable to finish school. ( attended XXXX out of the XXXX months ) The school collected the entire amount of the loan. He defaulted on his loan and it fell back on me. I attempted to make payments but my wife was not working at the time and all of our bills fell on my shoulders. I contacted XXXX XXXX but they only lowered the monthly amount due by a few dollars. I contacted them again with no result. The loan grew to double the amount from XXXX up to XXXX. I 'm still on my own paying bills and can not afford the amount that they are garnishing from my wages every XXXX weeks. I have not received a raise in XXXX years. All of our medical, dental, vision, homeowners and automotive insurance is taken out of my pay. Water, electric, gas etc is also what I pay each month.
04/17/2015	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	AK 99516	Web	Servicemember
i fell behind on my private student loan, but for XXXX yrs i was under an agreement to make {$260.00} a month payments. i recently completed this agreement, but was met with harassment and belittling comments from a manager at Premier Credit. Berating me because I can not afford to increase my monthly payments and was met with resistance to continue payments like i currently am. In XXXX 2013 they offered me a deal to settle my account for XXXX, but now they are telling me i 'm 16 months behind and our threatening to take more income that i do not have as i 'm a mother of XXXX and a full time student. i am more than willing to continue payments to bring my account to zero, but this company is not willing to work with someone on a limited budget and even insulted the fact that i was on a limited budget.
07/19/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 92627	Web
For many years, I have requested an accounting from ECMC as to all the missing and misapplied payments, inaccurate interest, in appropriate fees, collection costs, etc. I have never received the full accounting. All I get is the original note and a balance sheet that starts just a few years ago. I have sent many letters ( some certified ) requesting all of this information and have never received more. Every time an ECMC representative calls or emails, it is the same story that they no nothing about my demands, no adjustments have been made to my account and just want me to agree they are right and to agree to pay way more than I could possible ever owe. I 'm not going to agree and I should not have to agree to pay what ECMC wrongly believes they should be paid just because they say so. It 's wrong!
06/10/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	GA 30328	Web
Please explain why a representative from ECMC called my parents ' house today, XXXX XXXX, 2016, and what they wanted to speak with them about? As you had stated in your prior correspondence that you did not disclose information about my loan to anyone you called, please confirm what you wanted to speak with my parents about? Please also state what the purpose of calling them is ( outside of the incorrect answer that federal law requires this ), when you have confirmed you are in contact with me and I have specified since last year my desire for communication via my email address, you have my current address which confirms I do not live with them, and they are not cosigners to my loan or would have any knowledge whatsoever in regards to my loan. Please confirm how many times you called my parents?
02/21/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	AZ 85018	Web	Servicemember
This is my second complaint about ECMC. I just received an arrogant and not factual letter from ECMC stating that they did not have my updated information which was their reasoning for me not receiving communication from them, which in turn provoked them to garnish my wages. I just located my XXXX tax document from them which clearly had my current address. There was no reason to send any document to XXXX which is what was stated. It is very upsetting that these companies like XXXX as well are allow to get away with this type of action. How can companies treat people trying to better their lives this way. I did not receive one bill, communication, or information about what was owed, yet they are allowed to make damaging reports on a credit report and garnish wages. It is just not acceptable.
10/19/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	FL 33009	Web
ECMC sent me a letter dated XXXX/XXXX/2016 which stated that it validates a debt regarding Stafford loans, but their statement is fraudulent. I do not owe a debt to ECMC. The debt was consolidated with the U.S. Department of Education ( XXXX ) two years ago, and is being paid by me to them, and the documentation is a matter of public record since they are a federal agency. In addition, the private loan has also been paid to private lender XXXX. Therefore, I do not owe a debt to ECMC. I wish to dispute ECMC 's fraudulent reporting to credit agencies. ECMC needs to stop sending me letters and calling me. I do not owe ECMC anything, because I consolidated my student loans two years ago and I have been paying on them this whole time. I attended XXXX University, and before that, University XXXX.
03/09/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	TX 78634	Web
I am trying to pay off my student loans. My loan servicer is E.C.M.C. I began receiving collection calls in XX/XX/2019 requesting that I consolidate the loans for the amount of {$24000.00}. XXXX, my previous loan servicer, was reporting a lower amount to the major credit bureaus. E.C.M.C can not substantiate the current amount claimed other than to provide they paid a certain amount for the loans. What E.C.M.C can substantiate is the original loan amount of {$10000.00} and payments made in the amount of approximately {$8800.00} on the loans. E.C.M.C asserts that despite these payments, {$22000.00} is still owed. I have requested a settlement but the offers exceed {$15000.00} despite an active wage garnishment in the amount of {$530.00} per month. I wish to reach an equitable settlement.
10/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37862	Web
Student loan from XXXX XXXX in XX/XX/XXXX still on my credit report that states in default collection. Called XXXX XXXX when I payed everything off! Represtative stayed all loans were ALL PAID OFF IN FULL. Merged with navient got collection letters calls. No bills to my address never once did I receive a bill! This account was in XX/XX/XXXX and should have been removed permanently in XX/XX/XXXX even if I was in default which I wasnt! This is unlawful and unacceptable when I have paid this off. Not to mention got a confirmation from the representatives. Now I am struggling with correcting my credit. Also going thru XXXX. And lastly the school has been CLOSED. I just want an honest person to close my account so I can more on with my life and not deal with this outrageous account balance.
10/12/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IN XXXXX	Web	Older American
This company put a tax levy on my checking account. Which the bank took {$150.00} legal fee out of my account, which cauesed a overdraft. which cost me another {$29.00}. XXXX XXXX of XXXX XXXX XXXX, works for the state on Indiana. when i called them to try to arrange, some kind of payment plan, They where unwilling to cooperate.They told me i had to pay {$1100.00} up front then 11 payments to pay the rest off. The only money i get, is social security amount {$1500.00} a month. My rent and my prescriptions food car ins total. {$1200.00} that leaves a little over {$300.00}, for the rest of the month. there is no compromise with these people. I tried a couple of years ago but to the same result. there way or no way. oh that money they made the bank take was exempt funds social security.
08/10/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	CA 95621	Web
ECMC has been taking my tax returns to pay off private student loans for 4 + years. When asked for a statement showing all my tax returns being applied to open loans they can not provide me with any prof!!!! It has been at least 4 years at at least {$2000.00} per year, they have also been taking my state returns at about {$100.00} per year. That 's well over : {$8500.00} estimate. Yet they still claim I owe them the whole balance of {$13000.00}. MY loans should be at {$4500.00} NOT {$13000.00} I have read online that I am not the only person that this is happening to. It is scary and I honestly feel like these loans should be forgiven. The schools I attended have both lost their accreditation. Both have also been involved in class action lawsuits.. I am at a loss about what to do.
08/09/2018	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	AZ 85383	Web
This debt collector calls me repeatedly and hangs up after I say hello. Sometimes they call multiple times a week and hang up with out saying a word within the first 3-5 seconds of the call. I can hear chatter and the noise of the room in the background so i know there is a live person on the other end. When I call them back and tell them what happened, they say, that shouldnt be happening., but they have been doing it for years now. Sometimes they do this multiple times a week and month, even when I call them and make contact. There is no reason they should be calling repeatedly and hanging up like that. Then when I finally do get to speak when they call me, they claim they have been trying to get ahold of me with out success. Obviously if you hang up everytime, we can not talk.
12/13/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92703	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00} ; EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00} ; EDUCATIONAL CRED MGMT XXXX Date Opened XX/XX/2016 Balance : {$0.00}
04/18/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IN 463XX	Web
I was notified by collection agency " XXXX XXXX XXXX XXXXXXXX XXXX, XXXX '' ( see attached ) on XX/XX/XXXX regarding a tax debt with XXXX XXXX XXXX XXXX for {$940.00}. I responded back to collection agency with a certified cease & desist letter on XX/XX/XXXX ( see attached ) explaining my intension of resolving the account with the original creditor. I have since hired a professional CPA on XX/XX/XXXX who was given my Power of Attorney to resolve any debt with XXXX XXXX XXXX XXXX. Today XX/XX/XXXX my bank notified via automated text alert of a large withdraw in the amount of {$5100.00} made by " XXXX XXXX XXXX XXXX XXXX, XXXX '' with no authorization or notification. This was all the money in my bank account that I currently have checks written out to pay bills with.
03/25/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	VA 229XX	Web
I am a XXXX veteran. My status was official through the Department of Veterans Affairs in XX/XX/2011. I contacted XXXX and informed them of my XXXX status and I would no longer pursue a college degree. I submitted all required documentation of my status. Somehow the process of discharging my student loan debt, slipped through the cracks and my account showed delinquent. My loans are currently discharged due to my XXXX status, but it should have never been reported as delinquent. ECMC discharged all student loan debt under XXXX application that I filed. The letter for approval states I was eligible as of XX/XX/2011. My family and I are suffering greatly by the reporting practices of all XXXX major credit reporting bureaus. Please correct this wrong. Thank you, XXXX
10/11/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	AZ 85705	Web
I sent a Letter to ECMC disputing the accuracy of negative reporting of Charge off on my credit report for student loans that were through XXXX XXXX, I had, had them deferred back in XXXX for 6 months and then in XXXX XXXX, they were paid off in full. Those letters were sent out XXXX Certified letter on XXXX XXXX, XXXX, signed for on XXXX XXXX, XXXX. After 30 days I never heard a response back from ECMC. I 've disputed inaccuracies with ECMC back in XXXX as well, sent a letter out on XXXX XXXX, XXXX they refuse to respond to my letters requesting " that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them this debt and therefore has broken the law by not reporting in a timely manner.
12/05/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	MN 55416	Web
ECMC continues to send me emails about a student loan account I do not have. I have called numerous times and sent emails letting them know I am not the intended recipient of the emails and that I do not know who they are ; me and my father share the same name and neither of us have student loans. The social security number ECMC has is not mine. The address on file also is not mine. When I spoke with the telephone representative on XX/XX/XXXX they understood that I was not the person they were looking for and I asked that they kindly remove me from email notifications. I have no records on my personal credit report of ECMC. I have received nothing in the mail from them. I simply wish that they stop contacting me regarding a loan that I do not have.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 151XX	Web
ECMC has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc. By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a XXXX Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. XXXX never processed properly as well. XXXX net shouldve never transferred or sold the debt to ECMC. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.
05/31/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 76110	Web
In XXXX of XXXX I found out fraudulent student loans were taken out in my name in XXXX while I was still in high school. I contacted ECMC to make them aware I was a victim of identity theft and they refused to remove the loans. On XX/XX/XXXX I received a Finding and Order from the XXXX XXXX XXXX XXXX in XXXX XXXX Texas. This finding specifically addressed the fact that I was a victim of identity theft regarding these fraudulent loans. On XX/XX/XXXX I submitted the Order and Finding to ECMC and as of todays date they have refused to remove the fraudulent loans from my record. The loans are fraudulent and I am unable to attend school due to this. The loans are fraudulent and need removed. Finding and Order of Identity Theft attached to complaint.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75071	Web
ECMC/ XXXX XXXXXXXX XXXX XXXX XXXX has been previously notified to verify my account to be accurate and complete. I have noticed that ECMC has been violating my rights by reporting inaccurate and incomplete information on my credit report. ECMC is reporting different information to two different credit agencies for the same account. ECMC has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that ECMC has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.
03/20/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	MD 21136	Web
I have been repeatedly working to consolidate my student loans, seeking a short term forbearance until the process is complete. Due to financial hardships and a recent divorce, I am not able to make the payments as agreed. I have been repeatedly harassed by the EDUCATIONAL CREDIT MANAGEMENT CORP, XXXX XXXX XXXX XXXX, XXXX MN XXXX Phone # XXXX, who is trying to collect on XXXX loans that were cancelled by the XXXX XXXX XXXX. I am seeking a consolidation of all students loans and currently awaiting a decision from XXXX on the short-term forbearance. I was deceivably told I can not apply for a consolidated loan or forbearance because my loans were in default. Per the Department of Education, I am told I do have to option to consolidate : XXXX
12/17/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	GA 31061	Web
A company by the name of ECMC is reporting accounts on my XXXX and XXXX accounts. It seems that they are reporting student loan information. I have never signed a promissory note with any company by the name of ECMC while I was attending college. A few weeks ago I requested to ECMC to validate the debt that they are reporting on my consumer credit files, and they failed to do so. I demand that the company by the name of ECMC immediately deletes all accounts from my XXXX and XXXX credit reports due to their inability to verify and validate that I owe the debt to their company. They fail to produce my signature on documents. I did not sign a contract, promise to pay, or promissory note with a company named ECMC and that is the bottom line.
02/15/2021	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	CA 91761	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/20/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	OH 45215	Web
The loan was originally with ECMC. I consolidated the loan to my fedloan account back in XXXX of last year. XXXX confirms that the consolidation was completed and that a check for XXXX was sent to ECMC on XXXX. ECMC turned the loan over to XXXX after they had receieved tha payoff from XXXX ( Acount NUmber XXXX ). I have worked with XXXX, ECMC and XXXX to in an attempt to resolve the issue. XXXX indicated that it is up to me to get ECMC to turnover the funds from XXXX to them, XXXX is indicating that they have reached out to ECMC to get them to return the funds but have not been successful to date. I can not afford to pay both XXXX and XXXX for the loan. ECMC needs to return the funds to XXXX so they can pay XXXX.
02/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85282	Web
On XX/XX/2018 ECMC, Educational Credit Management Corporation, website XXXX XXXX XXXX sent a letter to my workplace requesting my wages be garnished. The ONLY information for the debtor they had that matched any of mine was a first and last name. Not even my middle initial matched the information they had, and yet they had the nerve to send a letter to my employer. Luckily the person at my work handling this knows me and let them know right away this was not the right person they were looking for, but they are obviously just fishing on websites for names and not doing due diligence to ensure the person they are targeting is correct and my wages could have been garnished for a debt I had nothing to do with.
06/25/2020	Yes	Student loan Private student loan	Incorrect information on your report Account status incorrect	OH 45247	Web	Servicemember
My student loans have been with XXXX since XXXX. I finished school in XXXX. Even though XXXX has always been servicing my loans. A company called Education Credit Management or ECMC is reporting collections on my credit report for students loans with the same exact dates that XXXX has for XXXX and XXXX for late payments on my student loans. I have no knowledge of ECMC. I've never signed any paperwork with them or even spoken to anyone from that company in XXXX and XXXX. I never recieved a letter, an email or any kind of correspondence to who they are. So I have no knowledge of the collections or why they're reporting fraudulent information on my credit report. XXXX has always serviced my student loans.
09/01/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	VA 22030	Web
This is not my loan and I did not take this loan out. This is a fraudulent loan and this is not my signature or my date of birth nor my ssn I have sent in proof to the collection agency who is trying to garnish me as well as the servicer/lender of this loan. I have submitted multiple documentation explaining and proving that this was not my loan, not my address, not my ssn, not my date of birth and not my loan. Please help me resolve this as I am having difficulty with the collection agency and servicer about getting this resolved and discharged. This loan was taken out the same time I was enrolled in a different school in a different state. I can not be a two places at one time. THIS IS NOT MY LOAN!
03/21/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	TN 37312	Web
This debt was settled for {$1200.00} on XX/XX/XXXX and had a zero balance. The company proceeded to garnish my wages and took {$140.00} from my paycheck on XX/XX/XXXX. I contacted ecmc at least 3 seperate times by email after XX/XX/XXXX regarding the garnishment and the only response I received was asking for the fax # to my hr. Which I provided but ecmc should have already had as it was on the copy of the paperwork my employer sent. I finally received a response on XX/XX/XXXX stating that they have not received the payment and to " check back '' without a specific time frame provided. This garnishment should have never gone thru on the XXXX since my account was already settled in full on the XXXX.
12/10/2017	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 76036	Web
ECMC has attempted to contact me and collect on a debt that is not owned to them since XXXX XXXX. They have sent letters, called my cell phone, my family members and my place of business. I disputed the claims that ECMC has placed on all 3 of the credit bureaus under the Fair Credit Reporting Act. ECMC sent a letter to me on XXXX XXXX, XXXX that I owed XXXX in student loans and they would be contacting my employer to garnish my wages. I am currently under a payment plan to pay my student loan back and do not owe ECMC. I 've never taking out a loan with ECMC nor given them my information. I would like for Educational Credit Management Corporation to not contact me or my place of employment anymore.
04/07/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	IA 50010	Web
See attached letter. In short, a third-party with questionable standing attempted to garnish my wages. I appealed, listing a number of objections. The appeal was conducted by Educational Credit Management Corporation, and was mishandled in the following ways : 1 ) The collection agency made no showing that requirements under 20 U.S.C. 1095a, et seq. had been met. 2 ) I was denied appropriate procedural due process. 3 ) The lender did not produce my complete file, in fact produced almost no evidence, and the unproduced evidence should have been ( but was not ) viewed through the lens of adverse inference. 4 ) The decision relied on prejudicially incorrect or misleading Findings of Fact.
05/09/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	CA 95949	Web
Received this loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX. It was for {$6000.00}. This was to be forgiven when I XXXX in a culturally deprived or low income district which I did by XXXX in XXXX Ca. and at XXXX XXXX in XXXX XXXX. The XXXX program, administered by the state was supposed to complete the forgiveness process in XX/XX/XXXX-XX/XX/XXXX or so. This never happened, in spite or many attempts on my part to contact them and have the loan forgiven. Since then the loan has been boughtand sold several times and is now in the hands of XXXX to the tune of {$12000.00}. This is utterly ridiculous. It 's been nearly 20 years that I have been paying on this loan and trying to get it forgiven.
06/14/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60630	Web
On XXXX XXXX , XXXX , I rec 'd notification from a credit reporting company that XXXX new " collections '' were added to my credit report. The XXXX new collections are both the same company ECMC for student loans and were included in a Chapter XXXX bankruptcy that was file last year in XXXX XXXX . My issue is that the company newly reported this to credit agencies as an active collection a year after I filed Chapter XXXX . I am still in this active Chapter XXXX . I 've called the company and they said that the accounts are in an active collection status despite the Chapter XXXX . Should I not be protected under the automatic stay until the end of the bankruptcy?
07/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30127	Web
I have sent many disputes to the Credit Agencies and to ECMC in regards to the XXXX accounts that they are inaccurately reporting on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that ECMC verified that these items are accurate. But it is ironic how ECMC will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from ECMC. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.
03/14/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	FL 32536	Web
In XXXX XXXXXXXX advised I had XXXX open accounts, XXXX accounts that ECMC claims they represent XXXX on XXXX represented by XXXX. Ecmc garnished wage w/out notification, said they mailed letter but had no proof, told me I was not eligible to contest garnishment at all, later found out I could contest but it would not have stopped the garnishment at that point. ECMC sent a breakdown of my XXXX loans to me. Shortly after contacting ombudsman and getting response in writing regarding ECMC 's XXXX debts, I received another letter from ECMC of my XXXX loans and this additional loan was now on my credit report and XXXX. How did this extra debt get added 5-6 years after I left school?
01/08/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CA 94086	Web
I have been receiving emails starting from XX/XX/XXXX, regarding an unpaid student loan ( account no XXXX ) from ECMC. I have not taken any loan from ECMC. As I contacted ECMC the customer representative confirmed that even though the account is under same name the year of birth and the last 4 digits of SSN do not match with my credentials. Besides, the loan was taken in XX/XX/XXXX and I have entered USA in XX/XX/XXXX. Hence ECMC promised that I will not receive any email or letter communication from ECMC going forward as this is a case of mistaken identity for debt collection. However, I am still getting mails from ECMC. I contacted ECMC again but it is not getting resolved.
07/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23608	Web
All of a sudden my XXXX check has been garnished.. when i called Social Security they said it had to do with the Dept of Education.. when i called them I got the number of a collection agency. This collection agency somehow was able to get a judgement against me even though they have been sending mail to address I havent lived at since XX/XX/XXXX. They had no idea I moved to Virginia in XX/XX/XXXXthey bought the debt in XX/XX/XXXXfrom a company that went bankrupt yet somehow they were able to garnish my XXXX check. Its not my debt, they did not contact me and the 1st I hear of this is when my XXXX check is being garnished.. this cant be legal the company is ECMC Corp
03/27/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	NY 11203	Web	Servicemember
It has been over five years since ECMC has first contacted me about a student loan debt that is not mine, that was the first time Ive heard about the 1987 debt, I have written many letters explaining the debt is not mine, and it may have been obtain through fraud, at my request they sent me a copy of the original contract and a default judgment, the SSN, middle initial, address and signature are not mine. I have never attended the school listed on the contract, they have created a computer generated document with my correct SSN and attached it to my name. I believe ECMC has continued to force this debt onto me for financial gain, which has cause me many pain and suffering
03/11/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 90008	Web	Servicemember
ECMC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX USA The above tried to call me repeatedly in 2015 to " enroll '' me in a student debt program- I REFUSED. I did not have any money, was living with my mom after a natural disaster. They used robocalling for over a year to try to get me to enroll- posted erroneous payments then placed several debts on my credit. I now have NO documentation of my loans and I am locked out of the US Dept of Education website. They keep adding money to these " Loans '' but reporting it as " personal loan '' not student loan. And I have NO agreement I ever made with them because I thought they were a scam when the abusive repeated calls started.
08/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN 371XX	Web
Due to an insurance mix-up a medical bill got turned over to a collection company without my knowledge. I was doing an annual credit check when I found it on my credit report. I called XXXX to find out what it was about. I told her that I had never received anything in writing about this collection notice. She told me that they made several calls. Because I get so many spam calls I do not answer unless I know the caller. They can leave a message and I will respond if it is legitimate. IF they left a message it was too non-specific for me to consider it anything other then another spam - like the IRS one going around. But again, I NEVER received a collection notice.
01/12/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	HI 967XX	Web
The account # XXXX has been removed from the consumer report, re-aged and placed back on the consumer report. Furnisher is reporting inaccurate " Date opened '' information. Furnisher is reporting inaccurate payment history/Missing dates. The furnisher has reported the account on the consumer report more than 7 years. The account has passed the statue of limitations. Furnisher is reporting inaccurate balance information. Furnisher is reporting inaccurate business contact information/address in the consumer report. Consumer attempted to contact the furnisher by U.S. mail to dispute the inaccuracies and mail was returned to sender ( please see attached mail image ).
02/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44313	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
09/02/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	VA XXXXX	Web
i have tried for about 2 years to repay my student loan i was offered a plan to get my loan out of default was paying about XXXX dollars a month around XXXX. the customer service person i spoke with explained that once my loan comes out of default the payments would be around the same amount each month. That was not true i was lied to and i still do not know what to do about my student loan i want to pay my student loan. the company is ECMC. AGAIN I WANT TO PAY STUDENT LOAN BUT AS A CONSUMER I AM CONSTANTLY GETTING THE RUNAROUND IN THE MEANTIME INTEREST IS STEADY BEING ADDED TO MY ACCOUNT THIS SHOULD BE AGAINST THE LAW THAT COMPANIES ARE DOING THIS TO CONSUMERS.
08/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78840	Web
I have already tried to fix the problem using this web sight. a line of credit labeled XXXX XXXX XXXX is reporting a payment back in XXXX of this year for 120 days late. the account was payed off through a consolidation back in XXXX throught he resolution from the last complaint the company agreed to delete the line of credit. till this day the error on the line of credit still exist. Please ... I need this resolved as soon as possible ... I was suppose to close on the XXXX of XXXX and this blurp in my credit is holding me back from getting the best rate possible. i appreiated anything that can be done to resolve this issue as fast as possible
07/10/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	AL 35209	Web
Ok I received a bill from .. XXXXXXXX XXXX XXXX XXXXXXXX XXXX , XXXXXXXX reference # XXXX Guarantor Educational credit management Corp .... well the problem is I do not know this people I never did business with them I dont owe the not aware of this bill ... first of all I never had a account from XXXX XXXX XXXX like it stated..second they called me and when I said I dont no what they are talking about they got XXXX he cursed me . Because I would not acknowledge this bill cause its not mind ... can you help please I dont want them to contact me ever .... XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, In XXXX .... help me please
07/02/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	MD XXXXX	Web
Hello, on XX/XX/XXXX complaint # XXXX I received this message ... XXXX XXXX has learned through this complaint that XXXX XXXX is not the correct consumer we are attempting to contact. As such, XXXX XXXX ' contact information has been removed from the account and she will no longer be contacted regarding this account. We apologize for any inconvenience caused through our communication efforts. Now they're after me again and I filed another complaint # XXXX on XX/XX/XXXX. Why are they after me again if it was proven that it wasn't mine and I received a check in the mail from a lawsuit that was filed against them from contacting people?
04/11/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	OR 97086	Web	Older American
My son attended XXXX XXXX XXXX for less than one quarter. The college was to refund unused monies and, either never did or it fell through the cracks. We have provided them evidence, and tried to resolve this for nearly three decades. ECMC, in a letter dated XX/XX/XXXX, has finally agreed the funds were never refunded by the college, as they should have been in XX/XX/XXXX, but expects me to pay their collection costs, etc, on a debt we never owed. This has, in my opinion, been thirty years of government overreach and harassment. I ask you to please look into this matter and help resolve this egregious situation. Thank you.
08/12/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	OH 45230	Web
XX/XX/2006 I filed for Ch XXXX bankruptcy protection. At that time, I owed {$39000.00} for my student loans. When I filed, my loans were transferred to ECMC ( Educational Credit Management Corporation ). Once my loans were transferred, ECMC assessed fees in the amount of {$10000.00} therefore increasing my loan balance to {$49000.00}. My bankruptcy has now been discharged and I am now faced with a loan balance that has increased by XXXX %. I am in need of information as to how and why ECMC can legally assess me with such a large fee simply for taking over my loan and how I should proceed so that I may begin making payments on my loan.
11/27/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	FL 33844	Web
ECMC became the servicer of my student loans after, I unfortunately defaulted on my loans, which I am not able to understand, as I did not XXXX, yet someone received monies for studies in did not complete. Initially, XXXX was the collection agency " servicing " the loan, but after I became eligible for the income based program through XXXX, XXXX removed the accounts from my credit reports, however ECMC refuses to remove the negative items, but showing a XXXX balnce, but still reporting negatively, even after I have asked them more than once to remove them. These items are affecting my life hugely in a very negatively profound manner
09/15/2016	Yes	Debt collection Federal student loan	Communication tactics Called after sent written cease of comm	NY 109XX	Web
the number provided represent a company I am independently contracted with but is not an employer - they have been notified to never contact me at any employment/contract venue ever. They have been notified repeatedly and continue to violate the request. Further, the last occurence, they failed to DISCLOSE the conversation was being recorded until AFTER making the representation that we were " friends '' or otherwise had an existing relationship - WE DO NOT. These tactics violate the consumer rights on many levels. Further, the amount of repeated calls - even several in one day is beyond normal volume and is considered harrasment.
03/22/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	TX 77053	Web
I initially requested a hardship/deferment for my student loans with ECMC. I did n't receive any late notices or requesting information letters from this service provider. Now I am receiving letters of wage garnishments. When I talk to reps on the phone my calls are never documented like they should. I have even reached out to the ombudsman. I have submitted requests to have documents to be re-sent to me, and have not received anything. I have even requested assistance on how to rehab the loan. This collection agency is not helpful at all. I am willing to pay something, but they will not provide the requested information in writing.
03/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 44720	Web
ECMC is reporting negative information on all 3 credit bureaus. I have not made a payment in over 20 years and they will not remove themselves from my report resulting in me being turned down for mortgage and car loans. They put false information saying i made a payment in order to keep the information on my reports. There is a statute of limitations for reporting and after 7 years they are required to remove that information. I have disputed with all 3 bureaus only to receive a report back that ECMC claims all information is correct and it is not. I want them removed from reports immediately. I am prepared to hire an attorney.
01/29/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	ND 58601	Web
I reviewed my credit report supplied by XXXX. In the report I noticed incorrect information and attempted to dispute the reporting. An Educational Credit Management Corp. was the reporting agency. I mailed correspondence disputing the debt, however, the mail was returned as not deliverable, unable to forward. I utilized the mailing address provided in the report. This reporting situation is criminal by violating the FCRA and negatively impacts my life. I am attaching scanned images of : the credit report and the returned mail. Please investigate and prosecute as required. I have requested XXXX investigate the issue. Thank You
08/16/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85710	Web	Servicemember
XXXX XXXX has been calling me at work over a debt of taxes from Indiana Department of Revenue. XXXX XXXX has been paid in full. This week XXXX XXXX put a levy on my bank account with XXXX fraudulently. XXXX XXXX is nothing but fraud. All the payments that they collected from the State of Indiana has never been transmitted to Indiana at all. XXXX XXXX obviously kept the money for themselves. I have proof from the bank that all funds were transmitted to them. I have shown them. Plus XXXX XXXX was licensed in Arizona in XXXX ; they debt goes back 15 years in XXXX therefore they don't have the license to collect the debt either.
05/01/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	CA 95501	Web
I am unemployed, I filled out an application for an Income-driven Repayment plan at studentloans.gov, and was granted a zero amount repayment in XXXX XXXX In XXXX XXXX my income tax refund was withheld b y ECMC ( Educational Credit Management Corporation ), claiming that I was in default. Up until this letter, I had no correspondence from ECMC stating that I was in default, nor was I ever even informed that ECMC was a lender of mine. I am not in default with any of my other lenders. All my other lenders received and granted my Income-driven Repayment plan. I emailed ECMC twice and have not received a response.
07/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	XXXXX	Web
I was contacted in XX/XX/XXXX to file taxes for XX/XX/XXXX. It was my error thought I completed on line. Filed with the Indiana Dept of Revenue ; no written response. Called, got hung up on, left messages no return calls, sent return in again, still no written XXXX from Internal Revenue Service, called again, was told putting hold on account, that did not happen. Got levy on personal bank account, rude people at both the Indiana XXXX, and Premier Credit. Not once contacted by Premier Credit, Indiana XXXX new dispute with amount owed. Claimed I did not send in XXXX and XXXX ; which I did both times. Basically, harassed by both
04/11/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	MA 02368	Web
spoke with Premiere collection agency -spoke with XXXX XXXX -a representative who claimed that was her name. She was very rude and also hung up on me. This is not proper servicing of student loans and a consumer should never be hung up on. This representative should go back to training and learn how to properly service student loan consumers per the dept. of education Statement of Work. They have sent documentation to my representative and now state that they can not speak with them. This is holding up my process for resolution and causing more financial hardship. This agency does not deserve to be working student loans.
11/07/2022	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	CA 93703	Web
LOAN TYPE XXXX XXXX XXXX XXXX XXXX Unsubsidized LOAN PERIOD XX/XX/XXXX - XX/XX/XXXX I am having some family issue the following coming school years XXXX on so I took a semester break for the year. dealing with my issues plus time passes by I was going to decide to continue some semester again, but unfortunately the school announcing itself is being close down due to some series learners and parents complaining about its teaching. I try to find some way to get a hold of my credit units that I have completed and earn when I was attending from XXXX year, but no luck. Will I ever be able to get a hold of that transcript?
03/29/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	VA XXXXX	Web
i have been requesting and trying to work out payment agreement with Educational credit management corporation for years with no resolution now all the payments that I have made over the years were not applied now my taxes were sent to this company when i was told this company no longer has my account when you start to dispute companies they transfer your information to other companies which makes it harder and harder to dispute and you are steady been charged ridiculous interest on the account. I received a letter XX/XX/2016 that this company will no longer hold any monies per federal law. please explain this to me.
11/10/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	CA 91915	Web
There are 9 student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. There are also 2 student loan collections reporting to XXXX in error. XXXX XXXX has deleted all of the student loan collections. XXXX hasnt deleted any of them. XXXX has deleted all but two of them. They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.
11/05/2019	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	MO 63301	Web
ECMC is ruining my credit report and quality of life. I have been paying these student loans for years and Im paying currently $ XXXX monthly payments and they have and are still reporting Im late, delinquent with no payments monthly. I keep being denied a mortgage loan to support my family and Im paying on time automatic payments monthly. They are reporting false information as Ive been time and making faithful payments. They are affecting my well being and livelihood due to their reporting. I have all statements showing Ive been paying and on time. Please update so I can continue to provide a place for my family.
04/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85281	Web
I terminated myself from the sorority in XXXX due to girl doing too much drinking and drugs. So I had a meeting with the board and they said I would not owe anymore fees because I disaffiliated myself from the organization. I have tried to contact the sorority by phone and am unable to reach them and get no responses to my voicemails. This has been an ongoing processes of me trying to get ahold of them for almost XXXX years now. I also received and email from the sorority in XXXX XXXX stating that I was no longer going to be charged after speaking to the finance department of greek life at XXXX .
09/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 70601	Web
The creditor ECMC has had a collection/charge off account on my credit profile which I have disputed several times because the student loans were consolidated and they were never late. The creditor keeps removing the accounts from my credit profile then places them back on my credit profile as a new collection account. This is impacting my credit score greatly as the accounts are in negative standing on there and being reflecting twice on the separate accounts and on the consolidated account. I have disputed them several times and each time the accounts were removed then placed back on my credit profile
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 290XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
04/19/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	CA 95818	Web
I contacted the loan servicer of my {$680.00} XXXX loan to inquire about the option to rehabilitate my loan. i was advised I do not qualify for loan rehabilitation due to the dollar amount of the loan.. I then inquired about setting up a payment arrangement and was advised I do not qualify for a payment arrangement due to the dollar amount of the loan. I then confirmed with the rep that my only option was to pay the balance in full she responded that no that is not what she said my options were to pay in full or make payments online as I wish but that it would not be considered a payment arrangement.
05/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34747	Web
the below collector is reporting wrongfully an item that does NOT belong to me. I have tried to call them and ask them if they could provide any proof since i have no debt at all to anyone, they claimed that this account belongs to me, i EXPLAINED that there are many people with similar names, including my own family, they never got back to me since then. Name of collector ; Education Credit Management For Account number ; XXXX Their address ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Phone ; XXXX Please help me as I am trying to obtain a mortgage and the bank says it must be debt with first.
03/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 22903	Web
I sent a dispute letter to XXXX regarding 8 accounts totaling {$48000.00} reported by ECMC of dates of these account opening on XX/XX/XXXX. I informed them that I had no knowledge of opening these accounts on or around that time. XXXX responded back with a copy of my credit report indicating when these accounts will be removed on XX/XX/XXXX however they did not fully investigate that these accounts are associated with old accounts from XXXX and ECMC re-aged the accounts to XX/XX/XXXX as well as XXXX XXXX, XXXX XXXX, and XXXX re-aged the same debts during the transfer from one office to another.
04/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46410	Web
As of XX/XX/XXXX I owed XXXX cents to the state of Indiana .. on XX/XX/XXXX th XXXX XXXX of XXXX XXXX XXXX placed a hold on my Checking account for XXXX plus I was charged XXXX they also garnished my check on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX I reached out to them multiple times either they are too busy and it tells you to leave a message which i did two weeks ago never received a call back so basically they have attempted to take XXXX Dollars plus for XXXX dollars I also contacted the state of Indiana as well and was hung up on by a rep which I am contacting the states attorney office next
03/22/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	CA 95670	Web
I was offered a rehabilitation program by lender who advised if I completed this program my loans would be removed from default and they would update credit reporting agencies to reflect no late payments on my credit. I successfully completed the loan rehablitation program and was told after I paid on time for 12 months that they were not going to remove the default from my credit nor update the late payment status although the agreement shows that they will. They then advised me that I must pay the balance in full to have my credit update which was n't what was written in the orginal agreement.
06/19/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IN 46222	Web
XXXX XXXX has seized my bank account located at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have sent certified mail to them notifying them that they are violating Indiana State law. The debt they are trying to collect is from XX/XX/XXXX and XX/XX/XXXX which is classified as " Time Barred '' debts according to Indiana State Law. A time barred debt is a debt over 6 years of age and ONLY allows the debt collector to send notice and NOT to take any court or enforceable action. This is part of Indiana state law IC 34-11-2-7. XXXX is clearly violating the law and needs to release my funds immediately.
10/10/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	VA 23666	Web
i am having my wages garnished i never recieved any informaion in reference to this i had tried to established a repayment yrs ago but as student loan debt has been highlighted that companys taking advantage of this sitiation i have had my federal taxes withheld for many yes and still no resolution has been given to me these companies just take advantage of hard working people to fatrwn their pockets with the high interest rate. Consumer do not know who to trust as America Companies are becoming more and more greedy over the American dollars and finding more ways to take from consumers
05/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	IN 461XX	Web	Servicemember
I just got out of the XXXX XXXX XXXX 2 months ago had no idea about taxes i owed to XXXX. XXXX tax sold my debt to a debt collector ( Premiere Credit of North America LLC ) I have mad multiple attempts to pay this dept with this company I have called multiple times and left a message. This dept have resulted in interested being added and having a warrant out for me as well a tax lien. I have the funds to pay but can not make contact this is unprofessional for a debt company and each day that passes more interest is added. I am trying to pay and this has had major impact on my credit.
11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 349XX	Web
These are private loans that ECMC credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.
05/19/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TN 37862	Web
XX/XX/2006 student loans that were paid off by XXXX XXXX, when they transferred to XXXX my account was obviously not properly updated in XXXX XXXX records. I have paid my loans off and get calls daily, letters that they will garnish my checks. Took my refund from taxes That I have paid OFF previous to the transfer of XXXX My credit score is getting major impacted on these collections to ECMC. I KEEP DISPUTING THESE CLAIMS AND STILL ON MY TEPORT. I WANT THEM CLOSED AND OFF MY CREDIT REPORT. IT IS UNFAIR TO MAKE FALSE STATEMENTS WHEN THEY HAVE BEEN PAID OFF. THANK YOU
12/28/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CO 80237	Web
I received a letter that they will be garnishing my wages of 15 % each check. I had no idea of who they are and where they are coming up with the amount. All I see is that it is student loans but no idea of it 's private or federal as no information was given exempt that my paychecks will be decreasing and I live off every dollar amount now to survive. I will be financial crippled if these people garnish my wages. Not only did this come out of the blue - they contacted me through my place of business leaving me subject to losing my job making my life situation worst.
10/25/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	GA 30188	Web
ECMC calls from 2 different numbers. XXXX and XXXX XX/XX/2018 XXXX, male caller, identified himself as ECMC. I informed he was calling my employer, calls not allowed, do not call again. XX/XX/2018 XXXX, female caller, identified herself as ECMC to my coworker. I informed again she was calling my employer, do not call again. XX/XX/2018 XXXX, same female caller, Identified herself as ECMC to a coworker. I informed again, DO NOT CALL. XX/XX/2018 XXXX, same male caller. identified himself as ECMC to a coworker. informed I was filing complaint. do not call again.
10/28/2022	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78240	Web	Servicemember
To whom it may concern : My name is XXXX XXXX. I am a XXXX XXXX veteran trying to obtain a VA loan to purchase a home, but there is fraudulent student loan on my credit report that is blocking the process. No success in correction after reaching out to ECMC directly, so I disputed the charge through the credit bureau again no success, so I reached out to the XXXX I then got a response from a representative of ECMC ( attached ) that they can not find me in their system. Can you please help me get this item removed from my credit history? Respectfully, XXXX XXXX
02/14/2021	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	TN 37086	Web
ECMC, has been making my student loan amounts increase, and I can not understand why, with the moratorium that is good thru XX/XX/2021. Also, I am being harrassed with numerous calls a day, and threatening voicemails. I understand there is scams out there. I can not fathom how, my balances are going up up up ... at this time. I am XXXX, in XXXX so I would usually have a small payment plan. I tried to reach out to figure out, what is going on. There are federal protections in place, and I just need help all the way around. I have severe XXXX, and this is not cool!
07/12/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NC 284XX	Web	Servicemember
I have two outstanding student loans with ECMC with a balance that total {$11000.00} during the covid pause ECMC refused to pause the interest rate and in fact kept calling to pay payments on the student loans. I am also XXXX and a veteran and ECMC still attempted to collect on the loans while in the covid pause was in place. On XX/XX/XXXX, I received a notice from ECMC that I can request a refund of any monies that was paid to ECMC during the pause but they refuse to refund those monies of {$4000.00}. ECMC still refuses to pause the interest rate on the loans.
02/27/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	NJ 080XX	Web
Hello. I took out a few student loans in XXXX or XXXX so I could attend college. The total amount of these loans was about {$5000.00}. Since XXXX, I have made a lot of manual payments, and the debt collectors and others have seized the vast majority of my IRS tax refunds. I can not remember the last time I received a tax refund because they have been offset and seized. To date, I have no doubt paid the original loans in full. And, I know I have lost thousands of dollars in tax refunds. Can you please help? I don't know where to turn at this point. Thank you.
07/11/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	FL XXXXX	Web
XXXX XXXX at ECMC repeatedly asserts that ECMC is not the " correct company '', yet via email she does have documentation related to my loan. So, obviously ECMC IS the CORRECT COMPANY. In addition, I previously attached a copy of one of the threatening letters I have received from ECMC. She also claims that I have not made payments on this loan in over a year. That is absolutely false. For years, I have been and continue to make monthly payments to XXXX. Once again, I am requesting copies of any and all documentation pertaining to my student loan.
04/02/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	IL 62703	Web
In 2010 I was giving an forgiveness loan from XXXX Bank then the loan file went to XXXX XXXX, from there EMCE then from there Premiere Credit XXXX XXXX XXXX, and then Premiere Credit went into my account and took out XXXX dollars, I send them proof and had not heard from them at all but still XXXX dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, XXXX him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call
10/05/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	NV 890XX	Web
XXXX Email was received from ECMC, who has already been placed under severe restrictions regarding their previous illegal harassment of lendees such as myself They state my acct is 60 days past due with XXXX, even though XXXX has shut down and handed over all loans to XXXX Whats more, your site 's security appears compromised, my password did not work, although when I tried to use it for a new password when starting the password change process, it stated the " old password '' could not be used. It stated the password had already been changed, TODAY.
03/04/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	TX 77477	Web
I was attending school in 2019 when they stated that my student loan was in default but it shouldnt have been due to the fact that i was enrolled full time in school and still is. I have provided numerous of documentation to them proving this as well as they made me enroll in a rehabilitation program because they was trying to garnish my work wages when Im in school. To knowledge from what the Department of Education has told me and personally lawyer that it is against the law for them to offset my tax refund or garnish my wages because Im in school.
02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90068	Web
XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is 1 account reporting to XXXX which are fraudaulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
10/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48198	Web
This debt appeared on my credit report and i contacted the company regarding this debt and provided the account number listed but to no avail my issue was not resolved. i was not provided proof of the contract I signed or if this debt is even my debt. I disputed this claim solely on the basis that i have no knowledge of this account and the company will not provide the neccesary proof that this is my debt. The debt is for {$2600.00} and {$850.00} and I have been damaged by this matter from not being able to access credit from other organizations.
02/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19149	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX, PA, XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ECMC {$8100.00}
03/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN XXXXX	Web
XXXX XXXX XXXX XXXX XXXX has an account on my credit report for {$160.00}, however, they have never sent me anything in writing to validate this debt or inform me of placing on my credit. Furthermore, they are not in compliance with the State of Tennessee collection agency regulations. They have to be licensed and bonded to collect debt in this state. They are not listed on state documents to collect. They have NO licenses and are not bonded as required! They are not only violating my FCRA rights but also in violation of the state regulations.
09/14/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	TX 778XX	Web
I originally receive a letter of pending wage garnishment from ECMC, providing instructions on how to request a hearing and submit information on how a garnishment of XXXX % would cause a financial hardship. I sent a letter stating my financial case and requesting a hearing/review within the allotted time. No contact from the company. The next communication I received was from my employer with a copy of an order of wage garnishment from another company called XXXX XXXX XXXX. I was never given the hearing or review that I requested.
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23504	Web
ECMC is reporting 4 student loans as 120 days late when the accounts have been in default status for years making it look like they are new accounts. They also are unable to provide original promissory notes because they told me they acquired the accounts from XXXX. They also are guilty of re-aging the accounts several times within a 30 day timeframe on purpose, changing the status of the accounts from charged off, closed, and 120 days late multiple times which has resulted in my credit scores falling XXXX points. This is FRAUD.
04/30/2019	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	UT 84403	Web	Servicemember
A woman named XXXX XXXX from XXXX ( ECMC ) is calling my ex-husband 4 times a day at his federal government office of employment. She will not stop calling. She will not call my attorney ( about an account that has nothing to do with him ). Both my attorney and myself have called her and XXXX will not acknowledge that I have an attorney. We spent years filling out " attorney '' forms with ECMC and they would just lose them. Please make her call my attorney. Her phone number is XXXX ext XXXX. My attorney is XXXX XXXX XXXX.
05/10/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	CA XXXXX	Web
In 1998 I applied for a Parent Loan for {$3000.00} for my daughter who was attending XXXX. I was denied the loan, never received any funds. There are now XXXX loans reporting on my credit bureau reports as in default. The loan amounts reporting are in excess of {$12000.00} for XXXX loans. I have asked for copies of the original disbursement check, however I only received a copy of XXXX loan application. These loans are not mine and reporting in error. I request this be corrected and removed from my credit file
09/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06614	Web
I noticed this company ECMC ( collection company ) reporting negatively on my credit report. I requested proof from them and I also disputed with the credit Bureaus at the same time. The have not sent me any proof of debt with them or any original creditor. They are not registered in the state of CT as a business domestic or foreign. I called the secretary of the state to find out the rights and they let me know. This company does n't have authorization to collect in CT. I 'm not sure who they are at all.
12/05/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NY XXXXX	Web	Older American
My name is XXXX XXXX. Over 30 years ago, i took out less than {$5000.00} from XXXX XXXX XXXX Bank. I have paid out close to {$15000.00} over the years and when i speak with XXXX XXXX XXXX ( XXXX ) in XXXX NY, the collection agency taking my social security paycheck, they tell me i still have close to a {$3000.00} balance. This is absolutely insane. I have paid this loan off more than 3 times and they still say i owe the majority of the balance. The holder of the loan is ECMC in XXXX MN XXXX Plz help me!
08/31/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	CA 92308	Web
ECMC is reporting a collection on my credit report for a student loan where there were no payments due while I was in school. When I got out of school and the payments came due the account was sold to XXXX XXXX XXXX and I started making payments. I started my payment plan with XXXX XXXX XXXX and have never missed a payment with them in approximately 3 years. XXXX XXXX XXXX is reporting the student loan on my credit report. How can they report something that the payment was not due and is a duplicate?
06/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92019	Web
ECMC has been reporting to credit bureaus that I've been paying them since XXXX. Not only do I not have any sort of contract with ECMC, but I have not been paying ECMC since XXXX. On many occassions they have been asked for evidence, but they continually violate the laws, rules and regulations that require them to provide evidence that I payed them, or that I ever had a contract with them in any shape, form, or fashion. They are clearly operating in dishonesty, and erroneous illegal practices.
05/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92311	Web	Servicemember
XXXX and EMCE is falsley pretending to be a student loan place and has illigslly accessed my credit and used old address.and the XXXX ca. XXXX is being fraudulent due to my dad 's widow and her people XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX she and him are ceriel widowers and fraudulent individuals as well as her sister XXXX and brother XXXX XXXX who is a fraudulent child group home worker in banning ca.XXXX.alert the IRS and check the books on all adults ssi paperwork and income and you'll see.
09/30/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA XXXXX	Web
ECMC has sending me letters for default loan, after repayment plan, and loan given back XXXX for forbearance. I was told my loan separate from University of XXXX this not XXXX told me, as XXXX loan forgiven school closure. I also filled out a loan discharge ability to benefit, on basis that didn't get high diploma, and was given no examination by university of XXXX, I was email form to US Dept Edu and never heard anything form them.I have been getting threaten emails from them every week.
03/09/2019	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	NJ 078XX	Web	Older American
We are trying to refinance these loans at a lower interest rate with another institution and XXXX/ECMC have failed to supply us with the proper pay-off documentation. In addition they have incorrectly categorized the loans as in default due to bankruptcy. These loans are not part of any Bankruptcy Plan and should not be categorized as such. In addition several attempts to correct both this error and a pay-off document have been met with failure on their part to make any effort to correct.
05/03/2017	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NH XXXXX	Web
Numerous calls about student loan default for someone else with the same name. I have never held any student loans. Did n't use second identifier ( such as date of birth ) when contacting my place of employment to verify employment. Continues to call and leave messages even though they have been told they have the wrong person and verified that the birthdate was different with the person they are looking for, and was requested to stop calling. Will not stop calling. Harassing behavior.
10/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS XXXXX	Web
COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY 107 POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.
05/09/2018	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	FL 34786	Web
I currently owe on a student loan is that it is being garnished out of my paycheck on a regular basis. I repeatedly received calls still about this even though money is being taken out of my paycheck already. I work for the XXXX XXXX XXXX XXXX County Florida and now the front office has been receiving calls for 3 week and it is illegal for me to take calls in class while XXXX. It is also inappropriate to share my financial information or use pressure tactics with the front desk clerk.
01/20/2017	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	GA 31061	Web
ECMC is reporting inconsistent and inaccurate information to XXXX, XXXX, and of the XXXX. In reference to XXXX accounts with the same account # XXXX, they are reporting it as a " closed account '' to XXXX, an " open collections account to XXXX, and a " closed collection '' account to XXXX. These inaccurate reports to the major credit bureaus are damaging my credit worthiness and my credit score and should be DELETED under Secction 611 ( 5 ) ( A ) of the Fair Credit Reporting Act.
04/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20770	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason Constant opening and closing on the account.
04/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web	Servicemember
I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XX/XX/XXXX and XX/XX/XXXX and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00}
01/12/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	TX 76105	Web
I was informed in XXXX of XXXX I had three defaulted student loans from XXXX. I had nor graduated from high school yet. These loans are not mine! The debt collector, ECMC has inky provided four pieces of documentation along with one forged promissory note. The bank said I did not have an account with them. I am unable to attend school due to this. I am submitting the identity theft packet with this complaint. ECMC has not verified this alleged debt in over 90 days.
11/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 22310	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : ECMC Account Number : XXXX Date : XX/XX/0001 Amount : {$4600.00}
05/20/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 76179	Web
XXXX XXXX from a group called Premiere has been harassing relatives and friends regarding an outstanding debt they say is owed by me. I have requested a " Validation of Debt '' and they refuse to acknowledge or forward anything to that effect. They continue to harass and threaten or give me any other information. PLEASE INVESTIGATE THIS GROUP. The only number I can get for them is XXXX. There are numerous lawsuits against this company. PLEASE STOP THEM
07/11/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	NY 11216	Web	Servicemember
EDUCATIONAL CREDIT MANAGEMENT CORP calls my cell phone and home phone multiple times a day. They call from multiple phone numbers. The last time I spoke with them, I provided my home address and told them I only wish to communicate by letter. This defaulted student loan debt is already in involuntary repayment through tax offset. I know that repayment options negotiated at this point will not stop the tax offset I want to stop the phone calls.
10/07/2016	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	GA 30228	Web
THIS COMPANY HAS CALLED ME ON A NUMBER OF TIMES AND I HAVE TOLD THEM THAT I AM NOT XXXX AND THE SSN THAT THEY HAVE IS NOT MINE*********** AND THAT THE LOAN IS NOT MINE. BUT THEY KEPT ON CALLING AFTER I TOLD THEM TIME AFTER TIME THAT I DID N'T TAKE OUT A STUDENT LOAN AND THAT IS NOT MY INFORMATION. THEY STILL WENT AHEAD AND FILE A GARNISHMENT TO MY WORK PLACE AND NOW ARE COLLECTING MONIES FROM ME EVEN THOUGH ALL OF THERE INFORMATION IS INCORRECT.
07/26/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	KY 40219	Web	Older American
I have received repeated phone calls from XXXX XXXX concerning a debt owed by another person, same name each time. Each time I have told them that they have the wrong number and each time I am told they will mark their records accordingly and that I would get no more calls. Received another call this morning XXXX/XXXX/XXXX at XXXX XXXX from XXXX. When I tried to explain the situation and told him that I was going to file a report, he hung up.
05/23/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	UT 84095	Web
XXXX XXXX purchased My Student Loans from ECMC Just before these loans were purchased by XXXX, ECMC charged me {$3200.00} in what they were referring to as " Collection Costs '' ECMC stated previously that if I brought these loans out of Default these collection costs would be dropped or lowered down to 6.7 % but this never happened These collection costs were then passed on to XXXX in what was just referred as " Unpaid Principal Balance ''
01/30/2017	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	CA 91016	Web
ECMC would like me to apply for loan consolidation and loan rehabilitation with Income driven repayment plan. Under the new Income driven Payment plan ECMC would like to change the interest rate of my loan from fixed 3 % to 18.5 % I do not accept the terms of their loan consolidation. My loan is fixed 3 % for the life of the loan. I do not have the ability to pay. I am not going to accept a new term and new interest rate from a company.
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. ECMC continued to garnish my wages after the law went into effect. They owe me a refund of {$5.00} for two paychecks that were garnished on XX/XX/2020, and XX/XX/2020. In addition, ECMC must cease and desist further garnishments and stop automatic withdrawals from my bank account per the Coronavirus Relief ACT.
08/23/2021	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	CA 937XX	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
06/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	IL 60657	Web
Collector debit bank account removing XXXX benefits and refuses to accept responsibility for actions despite documentation showing their error. This is on a tax lien which is owed, however XXXX benefits are exempt according to documentation given to me by the collector. I have spoke with XXXX and am in the process of a hardship submission. Premier Credit refuses to work with me and has placed my held in danger.
05/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 751XX	Web
ECMC is reporting a fraudulent debt on my credit report and is attempting to collect without giving me any information. I already explained that this was not my debt. I pulled my credit report and their address is not listed. Please see page XXXX on the attached below. Also I 've uploaded my FTC documents for your review. Please help me get this resolved, it 's affecting my family. thx XXXX ( XXXX XXXX )
08/17/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	MS 38654	Web
I am making monthly payments to ECMC. They continue to call my place of employment and send emails threatening garnishment. The email that I received today ( XX/XX/XXXX ) was from XXXX XXXX-XXXX stating that my wages were about to be garnished. How can my wages be garnished if I making monthly payments? The threatening calls and emails are pure harassment if I am paying them. How are these actions admissible?
04/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 11561	Web
On XX/XX/2018, ECMC sent to my private homestead address deceptive communication alleging they are collecting my social security number, and my home address. I have no account with ECMC, i never applied for an account with ECMC, and i never received a loan or credit from ECMC. This is an act of deception, constructive fraud, extortion, attempting to collect on a discharged debt, and violation of the FDCPA.
11/07/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21244	Web
I have tried to reach XXXX numerous times through the 3 credit bureau's since XX/XX/XXXX 2017 in regards to in accurate information reporting on my credit report. They are reporting duplicated and inaccurate information in which is killing my credit file and costing me thousands of dollars in interest every year.XXXX /Account# XXXX****is reporting 4 times on my credit report with the same account number.
08/25/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 93309	Web
XXXX has been non-compliant with removing the unverified account ECMC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ECMC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
09/26/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CT 068XX	Web
ECMC is my loans servicer. Since the pandemic began, the law States that the federal student loans shouldn't not be charged interest. Yet, ECMC keeps on charging me interest and reports them on my credit report. I spoke with last XXXX, they told me they were going to fix it. They never did. Last month they started garnishing my paycheck when in fact the pose is due until the beginning of next year.
03/12/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	OR 97214	Web	Servicemember
I borrowed XXXX for school at XXXX XXXX college, and they sent my student loan to collection agency without contacting me. The collection agency, ECMC, now wants XXXX. They are trying to garnish my wages, I am on food stamps and get utility assistance because the cost of living in the city of XXXX is so high. I am already well below the poverty line, this is predatory and unfair practices by ECMC
10/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23435	Web	Servicemember
ECMC was garnishing my check for 8 months with consent and still reported negatively on report and still does to date. School shut down without knowledge and embezzled millions from it students. I am a veteran and at the time was utilizing my GI bill and XXXX to pay for school and feel the collector to be fraudulently collecting and once told collections stoppeybut report from company continues.
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 165XX	Web
ECMC is a collection company that has a private student loan debt that is more than 10 years old that has never had a payment made on it and is still reporting the debt as originating in XXXX which is not possible because I last attended school in XXXX and with the debt being more than 7.5 yrs old the company refuses to stop reporting it stating that I had made a payment in XXXX which is false.
04/06/2017	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	WA 98107	Web
Premiere Credit keeps calling me before XXXX PST I have informed them to communicate with me via email because I refuse to speak with their abusive representatives. Their response is to initiate phone calls starting at XXXX PST. I just received a call on a recorded line from XXXX a sales rep, which I did not give permission because this is a two party state. The number that called was XXXX.
04/06/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	NY 11413	Web
This company is continually calling my job. When sent to my voicemail they do not say anything. The phone number they are calling from is XXXX XXXX XXXX XXXX. They even called the receptionist and said they were calling from the US Postal Service. they told her they must speak with me. When I got on the line the person hung up the phone. Their tactics are unscrupulous and deceitful.
09/15/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	FL 33647	Web	Older American, Servicemember
In the response from ECMC, the following was staed : a ) Of that amount, {$20000.00} was principal {$9900.00} was interest ( 47 % ) and {$5500.00} ( 26 % ) The interest and collection cost assessed on this account are exorbitant and excessive ; needs a review. b ) I would like a statement of the account from XXXX thru XXXX. There is no record of any payment at all. Please review.
03/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37075	Web
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
04/14/2017	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	NY 137XX	Web
I was called at XXXX and answered the phone and told the person on the other end of the phone that she was not allowed to be calling me after XXXX. She stated that she was allowed to. The company that called me is ECMC. Note In the attached picture, ECMC is not a number I have programmed into my phone, it is a Caller ID that XXXX has assigned to the number that called me.
06/21/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 604XX	Web
Account Name : ECMC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report. Account Name : ECMC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report
01/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 298XX	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
02/08/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	CA 92530	Web
Sent CEASE AND DESIST letters and reiterated on a taped telephone call demanding ECMC cease and desist. I Filed Chapter XXXX Bankruptcy which has been discharged. ECMC 's representatives harass me on a daily basis. Calling from various numbers multiple times throughout the day, outside collection hours, and they have contacted XXXX parties regarding this issue.
01/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	LA 705XX	Web
The student loan was through XXXX XXXX XXXX acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX by the following agencies are out of date or inaccurate. please fix
12/06/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	NY 13208	Web
Been in a battle for years for a student lostudent loan I never took, in an educational institute accused of fraud in court and later closed. I had sent documents, lawyer letters, but always denied. They only have a pc of paper with my supposed signature.Ask them to take me to court. They never did, but every year they contact me reclaiming the loan money.
04/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH XXXXX	Web	Servicemember
I am a XXXX XXXX XXXX veteran. On my report for XXXX there are XXXX ECMC accounts, all are account number XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?
04/26/2019	Yes	Student loan Federal student loan servicing	Credit monitoring or identity theft protection services Problem with product or service terms changing	NC 27704	Web	Servicemember
I was not notified about this account for over 10 years when I finally received a letter they said it was sold or sent to collection. This account went to collection in XX/XX/XXXX and the government paid it off in XX/XX/XXXX. They said my Daughter signed for this loan while she was in college I was never notified by her school until 10 year later
01/20/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NJ 08859	Web
Established credit card with this company on or about XXXX XXXX. This credit card was included the Chapter XXXX filing of XXXX XXXX, discharged on XXXX XXXX, XXXX ( proof attached ). However, this creditor is violating the order of discharge by attempting to collect this debt through a XXXX party debt collection agency ( Premiere Credit ).
11/10/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	CA 91701	Web
Received a call from this debt that is more then 20 years old. I have received multiple calls. I did n't get a chance to get more information on the debt before he started throwing out repayment options. I 'm sharing to let people know that they need to voice their rights. Tell them you will be contacting the consumer finance department.
05/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77449	Web
I saw XXXX collections on my credit from ECMC, a collection agency that is not bonded to collect in my state. I sent for validation from them but they never responded. My student loans were consolidated and are current, yet this agency refuse to remove this inaccurate information from my credit. ECMC IS NOT BONDED TO COLLECT IN MY STATE
11/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
10/23/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	NY 11203	Web
I have multiple lateness/missed payments on my credit report due to ECMC not properly contacting me to inform me when payments were due. I never received any statements in regards to my loan. It was also a period in time when my loan was deferred so there should not be any late/ missed payments that is being reporting on my credit file.
04/09/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
The company XXXX XXXX XXXX sent a garnishment to my company for a student loan that was paid off around XXXX or XXXX. The loan was payoff from a tax refund offset from the IRS. The company never went to any court to have the case heard or sent me a letter about this matter the amount they trying to get is XXXX and it was back XXXX.
05/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91316	Web
EDUCATIONAL CRED MGMT is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that ECMC shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.
12/17/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	WA 98043	Web
I keep getting calls from my student loans a new company took over a couple of years ago and I tried to talk with them but just wanted money no matter what and would not hang up until they had some money. since then the call have been getting more and more each day now receiving about 5 calls per day. Premiere Credit XXXX XXXX
12/27/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 94086	Web
I have received a postal communication from " XXXX XXXX XXXX XXXX '' about unpaid student loan recovery on XX/XX/2018. They have threatened to withhold my wage if loan is not paid. I have never taken any student loan. I believe this is a case of identity theft. Please take necessary steps to ensure this does not happen again.
10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75604	Web
I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from EDUCATIONAL CRED MGMT
05/16/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	OH 43229	Web
I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying ECMC reported me and ECMC is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55060	Web	Servicemember
There are several paid collections from ECMC and XXXX. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the XXXX XXXX but it is still showing on there too.
02/08/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	NY 144XX	Web	Older American
ECMC and/or PCR have been calling friends and acquaintances seeking information about me. Yesterday, they called a former girlfriend of my brother 's seeking information about me. This is an invasion of my privacy and is harassment, especially when they have my current address and know that I am retired.
08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53224	Web
I have a loan with ECMC, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ECMC, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
02/07/2021	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	CA 91709	Web
My parents took a student loan out in my name when I was a teenager. It shows up in multiple ways on my credit. All preventing me from going back to school. I am now XXXX and just want to better my life and my childrens. I cant do that if I cant pay for school. I tried to rehabilitate and could not.
03/11/2020	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	OR 97202	Web
ECMC keeps hiring third party bill collectors to either put a wage garnishment on my paycheck or to continue harassing me despite the fact they have no evidence to prove I incurred this debt. Every time I dispute with the credit reporting they hire another third-party collector based out of Delaware.
05/08/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	MD 207XX	Web
Hello, ECMC has contacted me again regarding this debt that was closed on XX/XX/2017 because its not my debt. Now they're back to reaching out to me via email and telephone. Can someone please contact them and let them know this case was closed and its not my debt. I feel like I'm being harassed now.
06/18/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85710	Web	Older American, Servicemember
Was ill for many years. taxes were filed again me originally in the State of XXXX since XX/XX/XXXX State of XXXX sold rights off to this account to a collection agent to date in XX/XX/XXXX ; this collection agency has taken payments each month in the amount of {$1800.00} per month for 9 payments.
03/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 93552	Web
I Consumer XXXX never entered into a consumer credit transaction with ECMC. I used my credit card as defined under 15 USC 1602 ( l ) with XXXX in 2004. Somehow ECMC has taken my credit and got a loan and has begun to violate 15 USC 1692e because they falsely represented the status of a debt.
05/20/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	NJ 078XX	Web
I told Premier Credit on XXXX/XXXX/16 they called me at work and to stop calling me at work. They admitted on the phone that I told them this yet I have a log of them calling 13 more times at work. They are not allowed to do this and it is harassment. I will be filing a law suit against them
12/18/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 80301	Web
I attended XXXX College in XXXX CO, from XX/XX/XXXX-XX/XX/XXXX, I was unable to get my certificate and my friends and I found out that they were scamming people and the school closed. I am in debt over a school that wasn't real, where my certificate don't work and I can't use it anywhere.
04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33569	Web
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account. Delete this on my report as it really affects my credit standing.
10/02/2019	Yes	Student loan Federal student loan servicing	Incorrect information on your report Old information reappears or never goes away	MI 48067	Web
The account is ten years plus and has been continuously being reported to the credit bureu I am not working and am a single parent of XXXX young children is there anyway the payment can be written off or taken off of my credit. It is preventing me from providing for my children!
01/08/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	FL XXXXX	Web	Older American
Falsely created account and false amount owed ... to collection agency " XXXX '' ... XX/XX/XXXX..received letter from " XXXX '' stating the amount owed is the correct amount ... this is not true, since " XXXX XXXX '' received payments of {$6600.00} and {$5100.00} in XX/XX/XXXX.
06/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37115	Web
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
11/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IN 463XX	Web
a collection agency named premiere credit tapped in freeze my bank account they never send me any letters in mail they were sneaky freeze my bank account until they are paid i try talk to those idiots and collection agency they are very rude they caused me emotional stress
10/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02149	Web
I have been trying to secure a loan with a mortgage company to no avail, because a debt collection keep popping up in my credit report. I need to know the date and duration of this collection. Especially, the real nature of this collection and which company 's sent it in.
09/27/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	CA XXXXX	Web
I am enrolled XXXX in college I filed for a XXXX student deferment. When enrolled in classes the ECMC place my loan in default. They now have harass letters and refuse remove loan default status. The ECMC verified I am enrolled XXXX and still harassing me.
05/25/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 323XX	Web
I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48075	Web
This loan was applied for in my name in 1990. Since then I have been unsuccessful with removing it. Ive even called the Debt Collector and explained to them what happened and they would not listen to me, instead they kept offering me a settlement.
08/30/2019	Yes	Student loan Federal student loan servicing	Incorrect information on your report Old information reappears or never goes away	OR XXXXX	Web
ECMC and US Dept of Education get {$100.00} from me every month, and they continue to say that I am in default or late. then XXXX College is charging me and I couldn't even attend the school. I disputed the amount and they are still on my record.
10/18/2023	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Bankruptcy	NJ 088XX	Web
I entered bankruptcy with about XXXX in debt. My payment plan included payments to my loan such that I should have seen the total owed reduced. Instead after 5 years of payments my loan INCREASED by about XXXX. This doesn't make sense to me.
04/23/2018	Yes	Student loan Private student loan	Incorrect information on your report Old information reappears or never goes away	VA 23666	Web
This company has taken my 2017 tax refund and no longer has this acount why did they take my refund and why are they reporting incorrect information on my credit reports these are fraudulent acts that this company are doing to consumers
04/21/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	IA 50010	Web	Servicemember
See attached letter. In summary, Educational Credit Management Company submitted an intentionally misleading response to a previous CFPB complaint, and continues to act in ways that violate both federal law and Constitutional right.
08/11/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NJ 08053	Web
repeat calls from same company by different callers who were in contact with each other. called when i was at work, using stern and condescending tone and insisting to speak with can't pronounce my name. would not hang up persistent.
01/03/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	LA 71360	Web	Servicemember
Im being over charged and could be homeless cause I cant pay my bills that I always pay with my income taxes my property taxes on my house but I cant do that without my money which most of it was earned income for mychildren
08/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web
I received a letter from this company claiming that I owe them money and to my knowledge this company has never provided services to me or for me and I 've never entered into a contractual agreement to pay them for anything
02/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web
I recently received a letter from this company demanding payment for an account I have no knowledge of.To my knowledge I have never done business with this company and they have never provided me any goods and or services.
04/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	IN 46214	Web
The person XXXX revealed that the company owed a debt. She knew that the needed to speak to the owner. She was told that owner was unavailable. She revealed that it was a tax debt and she needed to talk to the owner today.
07/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28376	Web
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter
01/12/2023	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	NJ 08016	Web
Ecmc is currently in my bankrupcy. Theyre reporting late payments & balance owed. This should not be reporting on my credit report. I filed a XXXX XXXX XX/XX/2022. They will get their money it a five year plan.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 151XX	Web
ECMC is a 3rd party debt collector who's destroying my credit. Ive even attempted to send a registered security satisfy the obligation. They kept the security and never closed the account out. HELP PLEASE
02/23/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85225	Web
I have filed BK it got discharged XX/XX/2017 I contacted XXXX to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit
06/26/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	OR 97478	Web
My taxes of {$7400.00} were taken and being a single mom needing to move to better my life this was definitely a huge barrier. Please review to see if any money can be returned. thanks and XXXX bless!
06/22/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60453	Web
I am not sure why or what type of loan this company is calling me about because I do n't have any unpaid loans. They never leave a message, but they call 2 or 3 times a day and at all hours. Even XXXX
04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OR XXXXX	Web
For the past several years, ecmc have procured my income tax refunds which technically indicates partial payment, hence resetting the statute of limitations which should have expired in 2015.
04/20/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	CA XXXXX	Web
I got approve for borrower defense forbearance to delay my loan until 2023, however ECMC has refuse to remove default status on my loans, credit report and put my loan forbearance.
03/19/2021	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WI 54703	Web
They started garnishing my wages without sending me anything at all and they have the wrong information for me it has me at XXXX XXXX XXXX I havent lived there in over 10 years
07/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA XXXXX	Web
XXXX has re added ECMC back to my account when it was removed. It is illegal to re add an item after it has been removed. I took screen shots of this and will provide if needed
01/31/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	IN 46835	Web
COLLECTOR FAILED TO VALIDATE DEBT. ALSO WENT ON MY CREDIT REPORTS AND XXXX, AND CALL US 11 TIMES REGRDING TAX BILL PAID ALREADY.. THE COLLECTORS VIOLATED THE DODD-FRANK ACT!
04/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92663	Web
Company continues to negatively I pact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX to do with me or agree to validate supposed debt
06/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 701XX	Web
I have filed a report in regards to the incorrect information on my credit report. It has been well over thirty days and I haven't received any investigation results.
10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
PLEASE REMOVE 1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 2. Identity Theft U S DEPT OF ED/XXXX Account Number : XXXX This is not mine.
05/30/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	OH 43614	Web
I can't get a straight answer as to what I actually owe. Each number gives me a different answer, each website also different numbers. None show correct payments.
11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 94118	Web
I have provided evidence to XXXX and to ECMC over 6 or 7 times and they have refused to remove the information thats well over the amount of time allowed by law.
12/14/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	AZ 85018	Web
XX/XX/XXXX 2017 ECMC called my co-works and harasses my co-workers and manager. This is totally unprofessional and not acceptable. These actions must stop.
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	XXXXX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
03/02/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL XXXXX	Web
I keep receiving calls from XXXX XXXX XXXX XXXX, a Rep by the name of XXXX. I have no idea why she is constantly call me regarding some unknown debut.
03/01/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85225	Web
I have filed BK and it was discharged I put in a complaint with CFPB and was closed by you I have documentation proof my student loan was discharged
08/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77021	Web	Servicemember
These are not my accounts i also asked the company can they please send validation of the debt and they could not provide me with the information
03/25/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	CA 91301	Web	Servicemember
I never attended the school. The loan was processed and disbusted to a school that I never attended. XXXX XXXX Subsidized XXXX XXXX XXXX XXXX
12/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 290XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
04/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web
This is not my debt. I never received any Communication about any debt. I spoke with the company they would provide proof of the debt.
01/05/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 38401	Web
They are sending harassing phone calls practically daily and do not leave a message. I have on idea who they are or what they want.
01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85048	Web	Servicemember
Im a victim of identity theft someone had opened and applied for student loans two of them. ECMC is the collector.
02/24/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 79938	Web	Servicemember
I wrote ECMC on XXXX asking for legal validation of this debt. It has been 30 days and they have not responded.
12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	IL 60614	Web
GET THAT XXXX OFF MY REPORT NOW! STUDENT LOAN XXXX XXXX / XXXX XXXX ASAP!!! Thank you XXXX XXXX XXXX
11/08/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	FL 34231	Web
Need to find out if my student loans are government or private. Trying to get lending for a house
11/10/2016	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	MI 48213	Web
Social Security is allowing XXXX ( a collection agency ) to garnish my XXXX {$260.00} every month
05/13/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	MD 20721	Web	Servicemember
Debt continues to remain in collection status on my credit when balance has been paid in full.
06/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90044	Web
Ecmc has reported a 2013 collection that doesn't belong to me and has not been validated
12/15/2020	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	ND 58601	Web
Numerous calls about the same subject matter. Company changed the payment amount.
05/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32065	Web	Servicemember
I never signed any paperwork with this company stating that I promised anything.
05/08/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	FL XXXXX	Web
hello, please send me a copy of the signed rehabilitation agreement. thank you.
09/25/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	CA 91763	Web
I have tried deferment and forbidden since I qualify I get no response
05/10/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 920XX	Web
Should not be in collections. These loans are in a cosolidation loan
05/20/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	TX 77020	Web
Did not try to call me to fix problem.
04/16/2023	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web	Servicemember
I dont owe this debt. Its not mine
12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	VA 22701	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93030	Web

07/07/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NC 27302	Web

06/19/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	GU 96915	Web	Servicemember

06/10/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	CT 06525	Web	Older American, Servicemember

06/08/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	CA 95116	Web

03/25/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MN 55303	Web

02/14/2023	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	CT 06042	Web

02/03/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 77346	Web	Servicemember

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89031	Web	Servicemember

09/23/2022	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	AR 72336	Postal mail

08/25/2022	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	FL 33316	Web

08/23/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	IA 50023	Web

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75071	Web

08/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29609	Web

07/22/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	MD 20784	Web

07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29483	Web

06/28/2022	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 Was not notified of investigation status or results	CA 92586	Web	Servicemember

04/29/2022	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	GA 30308	Web

04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10466	Web

04/11/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11201	Referral

04/05/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	CA 91301	Web

03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08090	Web

02/23/2022	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	WA 98107	Web

02/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20785	Web

02/18/2022	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	FL 33896	Web

02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32837	Web

01/27/2022	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 Was not notified of investigation status or results	AK 99752	Web

01/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08090	Web

12/15/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19121	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43068	Web

12/03/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	FL 33647	Web	Older American, Servicemember

10/28/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	NC 27127	Web	Older American, Servicemember

10/27/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX 77479	Web

10/13/2021	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	KS 66605	Web

10/07/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28547	Web

10/07/2021	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 Was not notified of investigation status or results	MD 20745	Web

10/06/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NY 12866	Web

10/01/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	SC 29210	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33415	Web

09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19132	Web

07/29/2021	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	SC 29203	Web

07/01/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	DE 19904	Referral

06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91335	Web

06/08/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	AZ 85225	Referral

05/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

05/24/2021	Yes	Student loan Federal student loan servicing	Getting a loan	AR 72858	Phone

05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07304	Web

04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89107	Web

04/23/2021	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	PA 18704	Web

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95823	Web

04/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22101	Web

04/06/2021	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 23324	Web

03/31/2021	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 19602	Web

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89107	Web

03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	OK 73632	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19144	Web

03/03/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	TX 76063	Phone	Older American

02/23/2021	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	LA 70403	Phone

02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10460	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27616	Web

02/12/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	VA 23666	Web

02/03/2021	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20814	Phone

01/28/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	CA 94582	Web

01/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29588	Web

11/16/2020	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	NY 11550	Web

11/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95823	Web

10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WV 26062	Web

07/30/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 60074	Phone

07/18/2020	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NM 87112	Web	Servicemember

06/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30315	Web

05/29/2020	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	NC 28273	Web

05/01/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	AL 36613	Web

04/28/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	VA 22737	Web	Servicemember

04/23/2020	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	CA 93706	Web

04/20/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	SC 29662	Web

04/19/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	WA 98019	Web

04/17/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	TX 77293	Web	Older American

04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27215	Web

04/02/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	VA 23666	Web

03/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90706	Web

03/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44128	Web

03/09/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75025	Web

03/06/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	CO 80010	Fax

02/27/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	20024	Web

02/06/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	CA 93953	Web

01/22/2020	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	CA 93420	Web	Older American

01/21/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	MI 49048	Referral

01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92606	Web

01/06/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	CA 92551	Postal mail

01/03/2020	Yes	Debt collection Federal student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60624	Web

12/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18018	Web

12/18/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78665	Postal mail

12/13/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	OH 44646	Phone

12/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27263	Referral

12/05/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	OH 44646	Web	Servicemember

11/28/2019	Yes	Student loan Private student loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89104	Web

11/13/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 11233	Web	Servicemember

11/06/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	NY 10941	Postal mail

11/04/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	NY 10036	Web

10/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37620	Web

10/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37862	Web

10/07/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	IL 61739	Web

08/14/2019	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	TN 38133	Web

08/13/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	84403	Web	Servicemember

08/03/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NM 87105	Web	Older American, Servicemember

07/09/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	UT 847XX	Web	Older American

06/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77611	Web

06/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91367	Web

06/07/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	NY 10031	Postal mail

06/03/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	GA 30088	Postal mail

05/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30366	Fax

05/17/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	MN 55304	Web

05/17/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	CA 92223	Web

05/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02124	Web

05/01/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	IN 46404	Fax

04/10/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	CA 90707	Phone

04/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15613	Web

03/28/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	FL 34747	Web

03/21/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CA 91730	Web

03/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92078	Web

03/20/2019	Yes	Student loan Federal student loan servicing	Incorrect information on your report Personal information incorrect	SC 29541	Web

03/04/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms		Postal mail

03/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15235	Web

03/01/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	VA 22311	Phone	Older American

02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89044	Web

02/04/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 90002	Web

12/14/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	NC 27592	Web	Older American, Servicemember

12/10/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan		Phone

11/27/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	NC 28025	Web	Servicemember

11/26/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93953	Web

11/05/2018	Yes	Student loan Private student loan	Problem with fraud alerts or security freezes	TX 75062	Web	Servicemember

10/30/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	WA 98011	Referral

10/24/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

10/17/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	WV 24910	Postal mail

10/03/2018	Yes	Student loan Private student loan	Incorrect information on your report Account information incorrect		Phone

10/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60440	Postal mail

10/01/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 30344	Referral

10/01/2018	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NJ 07082	Phone

09/22/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	NC 27419	Web

09/21/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NY 13082	Referral

09/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11236	Web

09/12/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	WV 24910	Postal mail

09/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07753	Fax

09/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37212	Web

08/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77045	Web

08/27/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 78238	Web	Servicemember

08/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95746	Web

08/24/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33055	Fax

08/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31019	Web

08/15/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	SC 29810	Phone

08/08/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CO 80016	Postal mail

08/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 14727	Web

07/20/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	NY 13082	Referral

07/17/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	CA 94545	Web

07/13/2018	Yes	Student loan Private student loan	Incorrect information on your report Account information incorrect	CA 90280	Web

07/13/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 94553	Web	Servicemember

07/13/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	NM 87110	Referral

07/10/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds		Phone

07/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78840	Web	Servicemember

05/24/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	OH 43211	Fax

05/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29418	Postal mail

05/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 61109	Web

05/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92240	Fax

05/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37206	Fax	Servicemember

05/02/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 37040	Web

05/02/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 37040	Web

04/25/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	MI 48529	Web

04/16/2018	Yes	Student loan Federal student loan servicing	Improper use of your report Reporting company used your report improperly	FL 32837	Web	Older American

04/13/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MI 48529	Web

04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19701	Fax

04/10/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt		Phone

04/03/2018	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA 93705	Web

03/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60074	Web

03/29/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	WI 53208	Web

03/27/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	FL 32257	Web

03/25/2018	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	NV 89044	Web

03/13/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	FL 33134	Web

03/06/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	TX 78209	Web

03/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90029	Web

03/02/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	AR 71923	Web

02/26/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	SC 29073	Web

02/09/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	PA 15001	Web

02/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94086	Web

02/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91744	Web

02/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91343	Web

01/31/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	OR 973XX	Web

01/18/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TN 37743	Postal mail

01/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77073	Web

01/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 37122	Web

01/03/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60440	Postal mail

12/27/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	OR 97239	Web	Older American

12/13/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	MA 01851	Web	Servicemember

12/11/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90241	Web

12/08/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92376	Web	Older American

12/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60440	Referral

11/27/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls		Phone

11/17/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	CA 90602	Postal mail

11/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30318	Web

11/15/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	NV 89108	Postal mail

11/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98466	Referral

11/10/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TN 37312	Web

11/07/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30349	Web	Servicemember

10/31/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 92711	Web

10/30/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX 76013	Referral

10/26/2017	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43221	Web	Servicemember

10/11/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	KS 66226	Phone

10/05/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	NY 11417	Postal mail

09/28/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	GA 30311	Web	Servicemember

09/27/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan		Referral

09/26/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 94609	Referral

09/25/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NV 89030	Web

09/12/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	GA 30316	Web

09/08/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	RI 02888	Referral

09/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45320	Phone

09/05/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	FL 33764	Referral

08/23/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	VA 23666	Web

08/22/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	XXXXX	Referral

08/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27617	Web

07/27/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	WI 53083	Web

07/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33138	Referral

07/21/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	MI 48161	Phone

07/18/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KY 40216	Web

07/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89183	Web

07/12/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged		Phone

07/06/2017	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	PA 19533	Postal mail

06/27/2017	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	CA 91723	Web

06/21/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	IL 60614	Phone

06/20/2017	Yes	Student loan Private student loan	Incorrect information on your report Account information incorrect	FL 34109	Web

06/19/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	GA 30577	Postal mail

06/16/2017	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	FL 33128	Postal mail

06/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60438	Web

06/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33511	Web	Older American

06/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10031	Postal mail

06/08/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Keep getting calls about your loan	SC 29680	Web	Servicemember

06/08/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	NY 11434	Postal mail

06/07/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	TX 76131	Web

06/07/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	OH 43938	Postal mail

06/01/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA 91377	Web

05/27/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	FL 33461	Web

05/24/2017	Yes	Student loan Federal student loan servicing	Incorrect information on your report Information belongs to someone else	MI 48238	Postal mail

05/18/2017	Yes	Debt collection Federal student loan debt	False statements or representation Indicated you were committing crime by not paying debt	NY 11729	Web	Older American

05/18/2017	Yes	Debt collection Federal student loan debt	False statements or representation Indicated you were committing crime by not paying debt	NY 11729	Web	Older American

05/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32958	Referral

05/10/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	IL 60517	Postal mail

05/09/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WA 98125	Postal mail

05/08/2017	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	IL 60074	Phone	Servicemember

05/05/2017	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	MO 63136	Web

04/25/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	SC 29646	Referral

04/25/2017	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	MO 63136	Web

04/24/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	NY 12118	Web

04/20/2017	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	MI 48235	Postal mail

04/20/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	TN 37219	Web

04/17/2017	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	TX 75243	Phone

04/15/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	DE 19709	Web

04/11/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	TX 75503	Web

04/04/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	GA 30809	Referral	Older American

04/04/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	CA 92821	Web

04/03/2017	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	GA 33106	Phone	Older American

04/03/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	GA 30083	Web

03/31/2017	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	GA 30263	Referral	Servicemember

03/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60074	Phone	Servicemember

03/30/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	GA 30263	Referral	Servicemember

03/29/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	AZ 85741	Phone

03/29/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	MN 55404	Web

03/23/2017	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	NJ 08540	Phone

03/22/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30088	Web

03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46312	Web

03/20/2017	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	GA 30004	Web	Older American

03/19/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	TX 75001	Web

03/16/2017	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't decrease my monthly payments	CA 94561	Web

03/15/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	WV 25304	Phone

03/13/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	IL 60099	Web

03/09/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	AZ 85741	Phone

03/09/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	TN 37303	Web

03/07/2017	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MO 63139	Referral

03/02/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92660	Referral

02/23/2017	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 75374	Web

02/23/2017	Yes	Credit reporting	Incorrect information on credit report Account status	WA 98251	Fax

02/10/2017	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted me after I asked not to	GA 30349	Web	Servicemember

02/10/2017	Yes	Debt collection Federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	AZ 85018	Phone	Servicemember

02/07/2017	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	CA 92313	Web	Servicemember

01/28/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	CO 80233	Web

01/26/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32504	Phone

01/24/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	TN 38120	Web

01/19/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	CA 90660	Phone	Servicemember

01/17/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	WI 53085	Web

01/12/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	CA 92804	Referral

12/29/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	DC 20003	Web

12/22/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	CA 90260	Web

12/22/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	MD 20706	Referral

12/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	FL 33411	Web

12/18/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76036	Web

12/17/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75054	Web	Servicemember

12/10/2016	Yes	Other financial service Credit repair	Excessive fees	MD 20148	Web

12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11203	Postal mail

12/01/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	CA 95403	Postal mail

11/30/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	TX 76001	Web

11/23/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	OK 73141	Referral

11/22/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	CA XXXXX	Web

11/22/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	VA 22193	Referral

11/17/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	AK 99802	Referral

11/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN 38063	Web

11/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid		Referral	Older American, Servicemember

11/02/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	PA 19141	Referral	Older American

10/25/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	CA 95834	Web

10/25/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	TN 37138	Web

10/18/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	CA 91709	Web

10/18/2016	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	MO 64150	Web	Servicemember

10/15/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	TN 37207	Web

10/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	GA 30047	Web

10/13/2016	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 11434	Phone

10/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 04697	Web

10/05/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	GA 30824	Phone

10/04/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 15084	Web

09/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40214	Phone	Older American

09/24/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	FL 33435	Web

09/21/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	GA 30064	Referral

09/20/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	NY 10032	Web

09/19/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	MO 64053	Web

09/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37216	Web

09/15/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	AZ 85743	Web

09/14/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	TN 37917	Web

09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10457	Postal mail

09/02/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	GA 30809	Postal mail	Older American

08/26/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	FL 33974	Referral

08/26/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	NY 10941	Postal mail

08/23/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	TN 38221	Web

08/10/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MS 39180	Fax

08/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TN 37207	Web

08/05/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30328	Web

08/05/2016	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	TX 79336	Web

08/05/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	TX 76673	Referral

08/04/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	IL 60901	Web

08/01/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	WA 98509	Web

07/28/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	NY 10705	Postal mail

07/27/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	CA 93704	Referral

07/25/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	LA 70458	Web	Older American

07/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	SC 29909	Web

07/19/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	CA 90008	Phone

07/13/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	OR 97208	Web

07/06/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	MO 63077	Web

07/05/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	PR 00685	Postal mail

07/03/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	GA 30101	Web

07/01/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	MI 48178	Web

07/01/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	FL 32771	Web

06/28/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	AZ 85281	Phone

06/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IN 46250	Web

06/14/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	FL 33065	Web

06/13/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	IL 60565	Web

06/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 46808	Referral

06/07/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	FL 33135	Web

06/06/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TN 37211	Web

06/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33767	Web

06/06/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	TN 37031	Phone	Older American

05/26/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	VA 20176	Phone

05/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IN 46530	Referral

05/24/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	GA 30328	Web

05/12/2016	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	CA 90630	Referral

05/10/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	DC 20003	Web

05/06/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	GA 30288	Phone

05/05/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	CT 06457	Phone	Older American

04/27/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	AZ 85023	Web

04/25/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	OR 97212	Web

04/22/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	TX 78230	Web	Servicemember

04/21/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	AZ 85262	Phone

04/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NY 12528	Referral

04/19/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 94025	Web

04/15/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 31088	Fax

04/14/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	TX 77063	Web

04/13/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	OK 73159	Web

04/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt		Phone

04/06/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 93306	Phone

04/05/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 90042	Fax	Older American

04/03/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	GA 30328	Web

03/31/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	GA 30453	Web

03/29/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	CA 95741	Web	Servicemember

03/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37122	Web

03/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN 37075	Web

03/21/2016	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	IL 68121	Phone

03/15/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 33313	Phone

03/14/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	NC 28387	Web

03/11/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	TX 75060	Referral

03/10/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	OR 97463	Web

03/09/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	PA 19525	Web

03/08/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MA 02368	Postal mail

03/03/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	OK 73069	Web

03/01/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NC 28054	Web

02/22/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	OH 44122	Phone	Older American

02/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 85006	Postal mail

02/12/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	OH 43230	Web

02/03/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	TX 76131	Web	Servicemember

12/11/2015	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	OH 45662	Referral

12/06/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	NY 11729	Web

12/05/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 94118	Web

10/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 80128	Postal mail

10/01/2015	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	TX 77044	Phone

09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 47905	Web

08/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 46032	Referral

08/18/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	DC 20003	Fax

08/06/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 48312	Web

08/02/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	CA 91764	Web

07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 46725	Referral

07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94502	Web

07/23/2015	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	SD 57642	Referral

07/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11419	Web

07/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98034	Web	Servicemember

07/08/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 33024	Web

07/06/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	MO 64870	Postal mail	Servicemember

06/30/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	IL 60640	Web	Older American

06/23/2015	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	MO 640XX	Web

06/22/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	LA 70127	Web

06/18/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	MD 20745	Web

06/17/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	NY 11553	Postal mail

06/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 46203	Phone

06/11/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	VA 23452	Web

06/11/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	FL 34106	Web

06/11/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	IL 60914	Phone	Servicemember

06/10/2015	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	CA 92616	Web

05/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46234	Referral

05/26/2015	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	PA 19137	Web

05/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97034	Phone	Servicemember

05/07/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	NY 10008	Fax

04/21/2015	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	IN 47586	Web

04/20/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	CA 92595	Web

04/13/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt		Phone

04/10/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	CA 93063	Web

03/29/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	NV 89169	Web

03/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43062	Web

03/25/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	VA 23605	Postal mail

03/24/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	TX 77532	Referral	Older American

03/24/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 91316	Postal mail

03/19/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	MD 21227	Web

03/17/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	NV 89103	Web

03/10/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	SC 29505	Phone

03/10/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	CA 92615	Web

03/09/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	VA 23607	Web	Older American, Servicemember

03/05/2015	Yes	Credit reporting	Incorrect information on credit report Public record	PA 19333	Web

03/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	VA 23223	Web	Servicemember

03/02/2015	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	CA 91761	Phone

02/24/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	IL 60615	Postal mail

02/20/2015	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 92195	Web

02/19/2015	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	CA 92663	Web	Servicemember

02/09/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	CT 06489	Web

02/06/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CO 80047	Web

02/05/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NC 27803	Web

02/04/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	CA 95747	Phone

02/02/2015	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	ID 83554	Postal mail

01/28/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	CA 90746	Web

01/18/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 94551	Web

01/16/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MD 20832	Web

01/15/2015	Yes	Debt collection Federal student loan	Communication tactics Called after sent written cease of comm	IN 46017	Web

01/15/2015	Yes	Debt collection Federal student loan	Communication tactics Called after sent written cease of comm	IN 46017	Web

01/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IN 46804	Web

01/12/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Need information about my balance/terms	RI 02857	Web

01/02/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	WA 98512	Web

12/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95206	Web

12/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27569	Web

12/17/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	OH 43616	Web

12/12/2014	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	NE 68104	Phone	Older American

12/11/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 62208	Web

12/10/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	XXXXX	Web	Older American

12/10/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	AZ 86409	Postal mail

12/04/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OK 74865	Web	Servicemember

12/03/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	CA 94065	Web

11/26/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	NY 10473	Referral

11/21/2014	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	CA 90056	Web

11/20/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	CA 95206	Web

11/19/2014	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	AK 99518	Web

11/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 10801	Referral

11/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 76053	Referral

10/30/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 33701	Web

10/29/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	TX 75126	Web

10/28/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NC 27704	Web

10/23/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	GA 30306	Web

10/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NM 88221	Web

10/20/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	IN 46074	Web

10/18/2014	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	CA 95003	Web

10/15/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 75086	Web

10/15/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MD 21144	Web

10/15/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	GA 30315	Web

10/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32784	Web

10/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33312	Web	Servicemember

10/08/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	NJ 07111	Web

10/06/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	WA 98032	Web

09/29/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	CA 96821	Web	Servicemember

09/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19063	Phone

09/23/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	NV 89052	Web

09/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	CA 90746	Web	Servicemember

09/22/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't temporarily postpone payments	LA 70460	Web

09/20/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	VA 23666	Web

09/16/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	CA 91390	Web

09/12/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	GA 30043	Referral

09/10/2014	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	CA 90501	Referral

09/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33647	Web

09/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85140	Web

09/03/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	PR 00960	Web

08/26/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	OK 73089	Web	Servicemember

08/26/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MD 21030	Phone	Servicemember

08/23/2014	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	CA 95003	Web

08/20/2014	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 77586	Referral

08/19/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	AZ 85255	Web

08/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14141	Web

08/14/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	FL 33705	Referral

08/14/2014	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	OR 97227	Web

08/13/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	CA 92122	Web

08/12/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	TX 75067	Web

08/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OK 73135	Web	Servicemember

08/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 46808	Web

07/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 40509	Web

07/30/2014	Yes	Debt collection Federal student loan	Communication tactics Called after sent written cease of comm	WI 54982	Referral

07/29/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	UT 84403	Web	Servicemember

07/29/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	CA 94121	Web

07/27/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	TX 78745	Web

07/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	MI 49116	Web	Servicemember

07/25/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 78504	Web

07/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	IN 46260	Web	Servicemember

07/19/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	TN 38134	Web	Older American

07/18/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	FL 32224	Web

07/10/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	VA 23669	Web

07/08/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	AE 09824	Web	Servicemember

07/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	WA 98002	Referral

07/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87107	Web

07/03/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	VA 20146	Web

07/02/2014	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Threatened to sue on too old debt	VA 23503	Web

06/30/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	VA 22207	Web	Older American

06/28/2014	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	OR 97457	Web

06/26/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 95822	Web

06/24/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97227	Web

06/18/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	OH 43040	Postal mail

06/18/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 33130	Referral	Older American

06/18/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	OH 43235	Web

06/17/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MO 64132	Phone	Servicemember

06/13/2014	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	NC 27591	Web

06/13/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MO 65201	Web

06/13/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95132	Web

06/10/2014	Yes	Debt collection Federal student loan	False statements or representation Impersonated an attorney or official	CA 94122	Web

06/09/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	OH 44146	Web	Servicemember

06/05/2014	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 90804	Web

06/05/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	IL 62301	Web

06/04/2014	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 77586	Web	Servicemember

06/04/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	MO 65203	Web

06/03/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	GA 30345	Web	Older American

05/31/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	CA 91326	Web

05/30/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CT 06320	Web

05/29/2014	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 92230	Web

05/29/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	UT 84152	Web

05/23/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	MO 64803	Web

05/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93705	Web

05/18/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	TN 37174	Web

05/16/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	AL 35801	Web

05/11/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	TN 38115	Web

05/07/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	NM 87507	Referral

05/07/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me after I asked not to	CA 95835	Web

05/06/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls		Referral

05/01/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	MN 55387	Web

05/01/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NY 10023	Web

04/30/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	CA 92337	Referral

04/29/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	FL 33905	Web

04/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46814	Referral

04/25/2014	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	KS 66104	Postal mail

04/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10467	Web

04/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43227	Referral

04/18/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	CA 94503	Web

04/18/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	VA 24015	Web

04/16/2014	Yes	Debt collection Federal student loan	False statements or representation Indicated committed crime not paying	IL 62966	Web

04/16/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	AZ 86326	Web

04/15/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28211	Phone	Older American

04/15/2014	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	GA 30034	Postal mail	Servicemember

04/11/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	KY 40212	Referral

04/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29607	Web

04/07/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	DC 20032	Web	Servicemember

04/04/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	CA 90002	Web

04/03/2014	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 91744	Web

03/31/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60617	Web	Older American

03/27/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	OR 97420	Phone

03/20/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	MS 39563	Web

03/12/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NY 10930	Web

03/08/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 94551	Postal mail

03/06/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 14472	Referral

03/05/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	WA 98270	Postal mail

03/02/2014	Yes	Debt collection Federal student loan	Communication tactics Called after sent written cease of comm	MI 48226	Web

02/28/2014	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	NC 27609	Web

02/27/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77083	Web	Servicemember

02/19/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	CA 94707	Web

02/14/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	TX 76002	Phone

02/14/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NY 10603	Web

02/13/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	NY 10467	Web

02/12/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	TN 37408	Web

02/11/2014	No	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	CA 90044	Phone

02/07/2014	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	CA 95015	Referral

02/05/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Need information about my balance/terms	FL 32730	Web	Older American

01/28/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	OH 45504	Referral

01/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87111	Web	Older American, Servicemember

01/22/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	FL 33125	Web	Servicemember

01/22/2014	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	FL 33125	Web	Servicemember

01/17/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	CA 91301	Web	Older American

01/14/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	MN 56358	Referral

01/08/2014	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	TX 75243	Web

01/02/2014	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	MI 48226	Web

12/18/2013	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	IN 46322	Referral

12/16/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	TN 37116	Phone

12/16/2013	Yes	Student loan Non-federal student loan	Repaying your loan	CA 92656	Web

12/10/2013	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	NY 14301	Web

12/09/2013	Yes	Student loan Non-federal student loan	Repaying your loan	CO 80239	Web

12/08/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	NJ 07204	Web

12/07/2013	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 60473	Web

12/03/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	WA 98020	Web

12/03/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 46268	Web

11/26/2013	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted me after I asked not to	MO 64803	Web

11/25/2013	Yes	Student loan Non-federal student loan	Repaying your loan	NE 68847	Web

11/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	WI 53578	Web

11/18/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

11/15/2013	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	CA 95203	Phone	Older American

11/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15120	Phone

11/12/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	WV 25309	Phone

11/09/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	WA 98275	Web

11/09/2013	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	ID 61242	Web

11/05/2013	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	OR 97486	Referral

11/01/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	HI 96830	Referral

11/01/2013	Yes	Student loan Non-federal student loan	Repaying your loan	AK 99515	Web

10/30/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 40509	Web

10/30/2013	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	CO 80922	Web	Servicemember

10/29/2013	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Threatened to sue on too old debt	GA 31404	Web

10/29/2013	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NY 11205	Phone	Older American

10/29/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NY 10473	Referral

10/23/2013	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	CA 92057	Web

10/21/2013	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	TX 75067	Web

10/11/2013	Yes	Student loan Non-federal student loan	Repaying your loan	NC 27284	Web

10/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76501	Phone	Servicemember

10/09/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28054	Web

10/07/2013	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	FL 32877	Postal mail

09/27/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NJ 07860	Phone

09/26/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91723	Web	Servicemember

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11101	Referral

09/18/2013	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	TX 76002	Web

09/18/2013	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	TX 76002	Web

09/18/2013	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90038	Web

09/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 47725	Web	Older American, Servicemember

09/13/2013	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	PA 19147	Postal mail

09/09/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45231	Web	Servicemember

08/29/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93212	Web

08/27/2013	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	CO 80863	Web	Servicemember

08/23/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	CA 91744	Phone

08/21/2013	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	IN 46140	Referral

08/12/2013	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	FL 32825	Phone	Older American, Servicemember

08/10/2013	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 92570	Referral

08/08/2013	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	GA 30122	Phone	Servicemember

08/03/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	PA 15208	Referral

08/01/2013	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NC 28676	Phone

07/30/2013	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	CA 93401	Web

07/27/2013	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	WA 98272	Web

07/22/2013	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29662	Web	Servicemember

07/18/2013	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Seized/Attempted to seize property	CO 80935	Web

07/15/2013	Yes	Student loan Non-federal student loan	Repaying your loan	GA 30318	Referral

07/15/2013	Yes	Student loan Non-federal student loan	Repaying your loan	CO 80931	Postal mail

07/11/2013	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	GA 30311	Web

07/10/2013	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	FL 33157	Web

07/07/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	NY 14208	Web

04/20/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	VA 24012	Web

04/13/2013	Yes	Student loan Non-federal student loan	Repaying your loan	VA 23226	Web

02/01/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	CA 92627	Web