| 05/03/2019 |
No |
- Debt collection
- Federal student loan debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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FH Caan threatened to garnish my wages.
FH Caan has been continually delaying the completion of my agreement letter to be sent to the US Department of Education. I need the assistance of your office to get FH Caan to force FH Caan to send my agreement letter for my rehabilitated student loan needs to be sent to the US Department of Education.
I. BACKGROUND OF CASE I took out a student loan from the US Dept of Education in XX/XX/XXXX for {$40000.00}. I have made almost {$30000.00} in payments over the years including the funds hijacked by the department from my IRS refunds. The letter from FH Caan indicate that the principal is {$150000.00}. and with interest and collection it is over {>= $1,000,000}. Note that FH Caan collection charges are {$32000.00}. The collection agencies have shuffled my loan from collection agency to another agency and turned my {$40000.00} loan to over {$210000.00}.
The IRS hijacked my IRS refund in XX/XX/XXXX. I called the US Dept of Education in XX/XX/XXXX and was told that the Loan was in collection and that I had to contact FH Cann. In XX/XX/XXXX, I called FH Caan who told me that they had sent a letter to my employer to start garnishment of my wages and the only way to stop it was to start a monthly payment plan toward my loan. The FH Caan associate did a financial calculation over the phone with me and started a {$140.00} per month payment plan which they have been deducting from my debit card every month. The FH Caan associate told me he was sending paperwork for me to sign and that I was to include 2 paystubs. I did sign the paperwork and sent 2 paystubs. In XX/XX/XXXX, XXXX XXXX informed me that my credit indicated that I was in default with my student loan. I called FH Caan who said the paystubs were not clear since I had taken a picture of the paystub on the computer. They sent me another set of forms for me to sign. When I looked at the forms, it was the same form that I had signed in XX/XX/XXXX, therefore I did not see the need for me to sign the forms and send it again. I also did not see the need to resend paystubs since the computer picture I had taken of my paystubs that I submitted inXX/XX/XXXX was the same clarity as the w2 stubs that I send to the IRS and if the IRS accepts the stubs then I did not see why FH Caan is saying that the stubs were not clear.
In XX/XX/XXXX, the US Department of Education again hijacked my IRS refund for XX/XX/XXXX. I called the US Department of Education and they said that the agreement letter to rehabilitate the loan was not in my file.
I called FH Caan and they said I had to fill out a new financial disclosure form which I filled out and sent by fax on XX/XX/XXXX. I also sent 2 copies of my XX/XX/XXXX paystubs since they said they needed recent paystubs. I sent the signed financial disclosure form that they said I had to fill out and the paystubs on XX/XX/XXXX. I called FH Caan the week of XX/XX/XXXX and XXXX said that the signed disclosure form was not legible and it had to be redone. XXXX did not even bother to read the writing as he could not even read the street address which had been printed. I told him that if he was refusing to even make a good faith effort in reading the form, then he should type it out and send it to me and I would sign the typed form and send it back. I again signed the new financial disclosure form and emailed it to them on XX/XX/XXXX. That week I again called FH Caan to make sure they got the form. XXXX then said that the medical and dental was incorrect since I stated that I was paying {$360.00} a month. I forwarded the email from the Dentist them with the patient ledger that the Dentist sent me. The ledger shows that my Dental bills were over {$4000.00} incurred in XX/XX/XXXX and XX/XX/XXXX. The Dentist is out of network with my insurance and it was required that I pay the amount at the time of the visits. As indicated on the ledger, the payment was made from my Visa Card. I told FH Caan that the {$360.00} per month that I am claiming that I am paying for dental bills go to pay off the Visa Card that the {$4000.00} Dental payment was made from. Once again, a copy of the Dentist patient ledger was sent to FH Caan the week of XX/XX/XXXX. FH Caan said my monthly payments would now be {$220.00} per month. I disagreed that the payments should be that high. I said their calculations were incorrect and they were not factoring the {$360.00} dental payments made monthly. They also said my monthly income net was over {$4800.00}. I disagreed as my biweekly take home pay is XXXX. I requested to speak to a supervisor and was connected to XXXX. XXXX said she would have the calculations include the dental payments. I received the new financial disclosure form ( attached paystubs ) on XX/XX/XXXX and I emailed it to them on XX/XX/XXXX. I called FH Caan on XX/XX/XXXX to confirm that they had received it. XXXX said they did receive it but now he said I needed to send 2 new paystubs since the XX/XX/XXXX paystubs were no longer current. I sent my XX/XX/XXXX paystubs on XX/XX/XXXX. I called on XX/XX/XXXX and left a message requesting XXXX to call me back to confirm that all documents were in order. I did not get a call back. I called again onXX/XX/XXXX and requested to speak to a supervisor. I spoke with XXXX and he said the paystubs were not in my file. I again emailed the paystubs while he was on the phone and he confirmed he received it. He started giving me this line that new calculations had to be done and that I was required to pay {$220.00} per month. I told him that that is not what XXXX had said as she said the inclusion of the {$360.00} dental payments per month brought the monthly payments to {$120.00} per month. He again said that calculations had to be done. I told him that they were going around in circles and they were intentionally missing deadlines as the paystubs and forms had to keep being redone.
II. CONCLUSION FH Caan is not making any effort to get my loan out of default. I called the Department of Education and they said my file was missing the agreement letter, the letter that FH Caan is supposed to send them, to get my loan out of default. I have fulfilled my part of the requirements to get the student loan out of default and that they are preventing my loan from being out of default by their claims of insufficient documentation. FH Caan need to send the agreement letter to the US Department of Education to get my loan out of default.
Please send me an email or call me if I can provide additional information.
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| 07/09/2020 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I am filing a second complaint against FH Cann and Associates. I am doing so because I am appalled at the response they gave me on the first complaint I submitted through you the C.F.P.B.
On the first complaint, I described how I had enrolled myself in the student loan rehabilitation program through FH Cann and Associates. I did so at the behest of the Department of Education because they informed me they had already assigned these student loans over to collections. FH Cann and Associates was the collector who the student loans were assigned to. I also described how the representative at FH Cann and Associates took me through the process of figuring out what the payment for the rehabilitation program would be based on my current living situation. At the time I was told my payment would only be {$5.00} a month. It was determined that because I was on maternity leave and I was not receiving any benefits either through work, unemployment, or XXXX, {$5.00} was all that was required of me.
At the time of this enrollment phone call, never once was I told I would require financial documentation to " complete the enrollment '' as they claim. In fact, even if I was told financial documentation was required as claimed in FH Cann and Associates ' response to me in my first C.F.P.B. complaint against them, I already told them there is no documentation to provide nor would there be. Because I was on maternity leave without pay, wasn't receiving XXXX, and wasn't receiving unemployment benefits, I wouldn't have any financial information to give them above and beyond what was already provided to them over the phone. Does FH Cann and Associates expect me to conjure up paystubs or benefit documents that do not exist magically? If I needed to provide some sort of document in regards to income when there was none, why wouldn't they tell me that in the first phone call? Why did they wait until XX/XX/XXXX of XXXX to tell me this! By their own admission, they didn't even tell me this when we spoke on XXXX of XXXX and at that point I had already been enrolled in the program since XXXX of XXXX! You would think they would have known if there was missing documentation or an incomplete enrollment application by that point and would have notified me as such. Not notifying me of these requirements while keeping me " enrolled '' and making payments in the student loan rehabilitation program that would never be completed is deceptive, malicious, akin to a bait and switch tactic, and shows complete incompetence as well as improper servicing of this account at my expense.
What am I supposed to do now? I can't get those nine months back. By the way, in reality its more like 16 months because while the CARES act is in place, I can't begin making payments that would count towards a rehabilitation program until XX/XX/XXXX. To respond to my initial complaint by saying " During on XX/XX/XXXX, our representative made you aware of the missing documentation and advised you on the status of your account. On XX/XX/XXXX, our representative attempted to reenroll you into the program, but you chose not to listen to the programs benefits and insisted that your previous payments be applied to your new enrollment, '' and then begin quoting rules and regulations to me, they are essentially telling me that I'm screwed and that they have no empathy nor sympathy for my plight of their mishandling of my account. They are also attempting to deflect blame to me even though they are the ones that never advised me properly nor instructed me of further requirements until AFTER I had completed my nine monthly payments. I'm not just griping about this for no reason, I have a newborn and need my credit to be able to provide things of necessity such as a new place to live or a safer vehicle that I can transport my child in. Now, my credit won't be ready to do these things at a reasonable or preferred rate until late XXXX! AND ALL BECAUSE FH CANN AND ASSOCIATES NEVER BOTHERED TO TELL ME I NEEDED TO PROVIDE DOCUMENTS THAT DIDN'T EXIST FOR ME UNTIL XXXX OF XXXX WHICH WAS 2 MONTHS AFTER I COMPLETED MAKING MY 9 MONTLY PAYMENTS!
Again, I don't know what else to do. I completed my enrollment of this program. I followed the instructions provided to me by FH Cann and Associates. I made the 9 monthly payments on time as required by the department of education to satisfy the program. If I'm being told that I have to begin all over again and that I have to wait just to begin this much needed program after already completing it in XXXX of XXXX, then I will be forced to speak with counsel and set this matter for litigation. I'm not going to let FH Cann and Associate 's incompetency and deception to harm me without consequences.
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| 09/21/2017 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked on the Morning of XX/XX/XXXX. The head of the Dept. stopped me in the hallway to discuss a garnishment email. Red flags went off in my mind ; as, payroll has a ethical and moral obligation not to share personal and financial information with other employees.
Second, I had and still have n't been contacted with formal communication about the validity of this debt from XXXX XXXX or F.H.Cann & Associates, Inc.
Third, all of my Student Loans are held by XXXX, I communicated with the payroll Dept. stating that this was not a legitimate debt. I was informed that it was valid and to contact F.H. Cann personally.
Fourthly, the Garnishment paperwork is subpar. The paper work was emailed to my department head, not physically given to me, nor directly sent to me. Documentation it 's self is not legal in any way, it was created on a template each page has the exact same number on it plus the template is a 8 '' X11 '' not legal which is a industry standard. No seal and not notarized. The Writ it 's self contains no information about the original loan, no supporting documentation. This Writ is for the amount of {$34000.00}, one would think with that large of an amount that the payroll dept. would demand legal paperwork affirming the validity of the debt.
I have been trying to mitigate my damages since XX/XX/XXXX I called XXXX, asked about the garnishment and how to stop it. XXXX informed me that all my loans were in good standing and that they are in deferment until XX/XX/XXXX My credit report reflects that statement. ( please see attached paperwork ) The supposed debt that I 'm being garnished was rebalanced on XX/XX/XXXX. The status is in collections, not garnishment. It was originally opened XX/XX/XXXXreported on my credit report XX/XX/XXXX and was put into collection statusXX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX. The Company that reported it to my credit report is as follows : XXXX XXXX XXXX BOX XXXX XXXX IN XXXX NO CONTACT PHONE NUMBER XXXX have tried several times to contact XXXX XXXX to no avail.
There are two loans on my credit report from XXXX XXXX
XXXX XXXX : original amount {$12000.00} recent balance {$14000.00} as ofXX/XX/XXXX
Date opened XX/XX/XXXX First reported XX/XX/XXXX.
Second Loan : original amount {$14000.00}, recent balance {$17000.00} as of XX/XX/XXXX
Date opened XX/XX/XXXX, First reported XX/XX/XXXX The red flags are as follows : *The Dept. of education would never originate two loans for the same student on the same day. ( Please see attached paperwork for normal Dept. of Education loan origination. ) *The Dept. of Education does not start collection proceedings 3 months after the Loan origination date. The Dept. of Education waits until after graduation to start collecting on student loans * I have not applied for any student loans or attended any school since XXXX. These XXXX XXXX loans were documented as being opened in XX/XX/XXXX My legitimate Student loans are reported correctly on my credit report. ( please see attached credit report ) I called F.H. Cann on XX/XX/XXXX. I questioned the validity of the paperwork and they transferred me to woman named XXXX XXXX, she informed me that she had the power to garnish my wages until the debt was paid in full. They never offered to send me the original loan paper work, and have been ignored when I 've asked for it. XXXX then informed me that if I enrolled in the rehab program ( which was 12 months of {$5.00} payments ) after 6 months of payments she would stop the garnishment. In the quest to mitigate my damages, I agreed. F.H. Cann would not accept my XXXX they had to have my tax return. ( Which I refused to send ) The rehab paper work states that XXXX 's are acceptable to validate income. Under this program that I agreed to said I would make 6, {$5.00} payments and that my garnishment would end on my last paycheck in XXXX. Against my better judgment of letting a company finically double dip, I agreed.
My first paycheck in XXXX was garnished. I called XXXX. XXXX and was informed that my last payment was not posted. At this point I informed them that I have strong reasons to think what they are doing is illegal and that I would be contacting the FTC. Which leads me to file this complaint. As of XX/XX/XXXXthis organization has stolen {$2100.00} from me. This is money that I labor for. I have XXXX XXXX boys that I have to say no to because almost {$600.00} of my monthly income is being stolen from me. That include saying no to basic things like shoes, going out to eat, cell phones. I 'm begging for your help.
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| 05/14/2017 |
Yes |
- Debt collection
- Federal student loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Student loan reference # XXXX Principal : XXXX Interest : XXXX Collection Fees : XXXX Total Due : XXXX Violations of consumer rights : 1 ) I nvasion of privacy by using social media accounts to identify persons and organizations connected to the debtor, and 2 ) I ndependently contacting those persons and organizations, requesting private information about debtor and the organizations. 3 ) Threatening to continue sending debt collection related communications to 3rd parties that are not employers or relevant collection targets. Statu te : 15 U.S. Code 1692b - Acquisitio n of location information. Statute : 15 U.S. Code 1692c - Communication in connection with debt collection. These XXXX behaviors are a direct threat to the debtors ability to professionally network and move towards viable employment. [ BEGIN COMPLAINT ] My student loan, serviced by " XXXX XXXX XXXX XXXX XXXX XXXX '' is in default due to an inability to make regular payments, due to challenges related to homelessness and unemployment. On Monday, XXXX XXXX , the apparent collections agency, " F.H. Cann & Associates '', contacted at least XXXX organizations that I have been engaged with in the last 8 months. In their communications, they identified themselves as a law firm requesting employment verification. They asked each organization for information not related to me, such as EIN and information about the organization 's whereabouts. One of the organizations is a nonprofit organization I volunteer for, the other a company that I have taken sporadic interim projects for as a contractor. Neither organization employed me. I have not been employed since XXXX XXXX , XXXX . I notifie d F.H. Cann & Associates that th ey were violating my privacy and my rights pursuant to the FDCPA. In response, I received a secure email fro m F.H. Cann ask ing if I would communicate with " XXXX XXXX or another representative ''. I replied the same day that I would be happy to speak with anyone other than XXXX XXXX , who is the collections agent that invaded my privacy to begin with by contacting organizations listed in my XXXX profile, and as long as I would not be inappropriately threatened. I received no response to my offer to communicate. Then on XXXX XXXX , XXXX , I received a letter from XXXX . Cann stating that they would commence wage withholding from my " employer '', listing the company that most recently contracted me on an interim consulting project. On XXXX XXXX F.H. Cann & Associates issued a " Notice Prior To Wage Whithholding '' that lists, despite knowledge to the contrary, a company that does not employ me as my employer. The contents of this notice are standard and legally binding, however the persistence in communicating with a third party that is not my employer with a debt-related communication ( in this place a wage garnishment letter ) constitutes ongoing harassment and a 2nd communication, specifically violating rules associated with 3rd party communications as stated in 15 U.S. Code 1692c of t he FDCPA. Furthermore the situation is aggravated by a failure on the part of F.H. Cann & Associates to res pect the communicated issues related to this debt : 1 ) That I have been discharged fro m employment in the last 12 month s 2 ) Th at I was legally homeless in the last 12 months and own no assets including vehicle 3 ) That I would be willing to make a smaller payment, but not sign into a legally binding payment agreement while unable to certify regular income 4 ) That I have been denied unemployment benefits by the State of North Carolina and have evidence of this denial Since XXXX of XXXX , when I was terminated by my last employer, I have been working odd jobs and contract work while seeking employment again. By using social media to identify organizations I have volunteered for and completed interim contract work for, and then repeatedly contacting those organizations knowing that neither is an employer, F.H. Cann & Associates has violated my rights as a citizen and I ask that they halt this activity immediately.
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| 12/30/2016 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with my lender or servicer
- Received bad information about my loan
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Web |
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I need assistance with school loan collections matter concerning the companies XXXX XXXX and F. H. Cann and Associates.
A ) I consolidated with XXXX XXXX in XXXX, payments towards the loan balance were automatically withdrawn from my checking account monthly. This occurred from the start of the consolidation until XXXX when I became unemployed, consecutive payments were receives from me to XXXX XXXX from XXXX to XXXX. In XXXX, I questioned the remaining balance because the stated balance did not appear to be accurate ( it was {$3000.00} less than I started with ). During the 5 years of repayment ( from XXXX to XXXX ) I did not receive a single statement of payment applied and/or remaining balances. I made multiple requests for an explanation of balance from XXXX to XXXX, this was only provided to me two week ago from a claimed XXXX XXXX ombudsman XXXX at XXXX XXXX XXXX XXXX. See attachment for Payment History Letter. What the payment history letter showed was astounding, payments where applied towards interest and none or mere minimal were applied toward the loan principal ( for example : with a payment of {$100.00}, all {$100.00} was applied to the interest and {$0.00} to the principal. The very next months with another payment of {$100.00}, {$99.00} was applied toward interest {$2.00} towards the principal ). How were they applying payments??? And if {$0.00} is applied towards principal - would I ever finish? {$0.00} one month then {$2.00} the next. According to XXXX, it was a simple interest loan. This was never explained to me before because I would not have consolidated my loans with XXXX XXXX had I understood that I would only be paying interest. Also, there were at least XXXX different interest rates - 5.75 % and 5.25 %. This does not make any sense - is n't the point of consolidating that there would be XXXX balance and XXXX rate?? The prior loan holders prior to XXXX XXXX were XXXX and XXXX. The interest rates were 4.5 %, XXXX and 5.3 % for these loans. When I consolidated the loan, I was told the interest would have been less. Why would I have consolidate at a higher rate that I as paying prior????? This is a practice of Usury. When I graduated from school, I had XXXX single unsubsidized loan, looking at the statements now, which I repaid prior to the consolidation with XXXX XXXX, now I see where there are XXXX unsubsidized loans. They have sliced, diced, divided, flipped and transferred the loan to this and that servicer that I do n't know what 's up and what 's down anymore or how they have the figure that they have. What I know is that I faithfully repaid the loan for 5 years in what I only understood to be graduated payments, not simple interest payments, I asked for payments to be increased twice in the 5 years - now I am not sure if that was done. I was told that interest rate would be lower - it was n't. I was told that if I did direct checking withdrawal, interest rate would even further be reduced - not sure if that was done either. I was and still am being taken advantage of by XXXX XXXX. I would not have consolidated with this company had I been told or understood these terms.
Let me go on to explain that I entered into deferment from XXXX to XXXX due to unemployment, then XXXX to XXXX while I was a full time student. In XXXX, I again tried to resolve the balance and also obtain history of payment and explanation with XXXX XXXX / XXXX XXXX ( a new company the entered the picture sometime around XXXX or XXXX ) - they simply referred me to their company web site that had none of the information I was looking for. I was basically given no right to question the account.
B ) F. H. Cann and Associates started contacting me approximately a month ago. They left vague messages on my company 's answering machine in the nastiest manner - stating " XXXX call back this number, '' without stating wh
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| 01/24/2017 |
No |
- Student loan
- Federal student loan servicing
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- Can't repay my loan
- Can't temporarily postpone payments
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Web |
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I have tried and tried to resolve or get a resolve on these loans. I KNOW FOR A FACT that I did not BORROW XXXX dollars. My loan has been turned over TONS of times to MANY different companies and it steadily goes up, up, up and up with fees and interest. My checks where being ganished, and taxes offset. Also, my taxes were offsest last year. I lost my job XX/XX/XXXX and FINALLY GOT A SMALL part time job lost that, and got a temporary job and they offset my taxes and I was XXXX steps from being evicted. All I had was food stamps and NO INCOME. Now XX/XX/XXXX I get YET another letter saying my loan has changed hands and is now with F.H. Cann & Associates Inc. When I called last year when my taxes were offset, everytime I called the IRS they said they did n't see where my taxes were going to be offset. I tried to find out what I needed to know then. They said this literally everyday. Then all of a sudden they offset it. I called and spoke to XXXX people and each one gave me a different number and company to call. This time I started calling on Saturday and no help. I called today XX/XX/XXXX and the lady gave me another number to call. I called them today XXXX and she said I qualify for the {$5.00} a month but interest, ganishments, tax offsets ALL WOULD still happen until 9 months. So I said okay so if I borrow XXXX and pay it now today, will that help them NOT offset my taxes, ganish me and resolve or at least stop the loan from the interest growing faster than I can get a resolve. She said no. I said so, if I pay the {$5.00} a month for 9 months, pay XXXX, you are telling me that they still will offset my taxes, and ganish my checks and still collection interest, and the loan still may change hands and companies? She said yes. So I said it does n't matter what I do, I will still not get a resolve. She said no. She said in order to settle your loan you can pay, ( she gave me an amount over XXXX ) to settle. Now if I am having such hardship and STILL do not have a permanant job how in God 's dear earth can I pay XXXX In addition to that, I told her I DID NOT UNDER ANY CIRCUMSTANCES BORROW XXXX Not only that at the time I had just started college at XXXX University and all they said was file out the Financial aid form then sign here. The only thing they said was this is what you have been awarded. This is predatory lending. When a student have a deadline all they know is I have been rewarded sign the loan. Then next thing you know you are being sent a letter saying consolidate. Seconds after that you recieve a letter saying you defaulted. And unless there is a miracle out of nowhere you will owe that until you are XXXX feet under. And the interest collects on it so fast there is no way in the world you will EVER pay it off. How is this fair? How is it that if you try to resolve and make effort THEY STILL add and tack on XXXX 's of dollars in interest so fast there is no way you will EVER be able to pay it off. HOw is this different from predatory lending in the housing industry!? This is insanity to infinity and beyond. They are NO HELP they will not listen and all they want to do is coherce you into signing papers to pay {$5.00} a month WHILE they ware still adding interest. Then she tells me EVEN IF I borrow and pay XXXX that will not help either. So what will? If XXXX will not help how is {$5.00} going to help? MY TAXES are STILL BEING TAKEN, which puts me on skid row, with a temporary job, no benefits, struggling to make ends meet and having to hunt down and pray I have food to eat everyday. Please note for the question below, perhaps there needs to be an option where you can choose more than XXXX + add a description, because I ca n't repay my loan & after paying {$5.00} a month which doesnt help according to the rep I spoke with I cant repay after the 9 months either & dealing w/lender
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| 08/11/2019 |
Yes |
- Debt collection
- Federal student loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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US Department of Education attempted to collect a debt for a student Loan in XXXX that originated through XXXX XXXX loan # XXXX which then turned into XXXX.
The original loan was {$42000.00}. of which I paid {$25000.00}. After several attempts to reduce the promise payment of {$160.00} monthly moved to nearly {$500.00} monthly. I felt like this was literally extortion. I moved the then {$54000.00}. ( loan that has {$37000.00}. in interest added since I took it out ) to a Federal loan. I made several calls to lower my payments as I was divorced in XXXX every time I asked for a lower payment, I was told I would find out when I got my next statement, however the payments kept getting higher although my home income had decreased by {$1600.00} monthly. I also inquired several times regarding how to request loan forgiveness as XXXX XXXX was all over the new regarding a potential class action lawsuit against XXXX XXXX as the student loans were predatory and overcharges students by 44 % between XXXX. My son attended XXXX XXXX, I was the parent who took out this loan in I believe the summer of XXXX. I never received any information of how to follow through with loan forgiveness. I couldn't afford the payments, couldn't get forgiveness information. News broke in XX/XX/XXXX that a settlement was reached for XXXX XXXX XXXX XXXX. The company agreed to forgo collections on approx $ XXXX in old accounts receivable in the last 30 years at over 100 campuses and they will write off $ XXXX in accounts receivable. XXXX XXXX took advantage of students and parents. XXXX XXXX closed over 100 campuses including the campus in XXXX where my son attended. On XX/XX/XXXX my XXXX XXXX # XXXX balance was {$60000.00}. The statement I opened late by myself on XX/XX/XXXX included a request for review and verbiage regarding US Department of Education Application for Borrower Defense to Loan Repayment and that if I did not reply collections activities would begin. I immediately downloaded and completed the request for review and sent all paperwork and news articles regarding XXXX XXXX via USPS on XX/XX/XXXX as I should not have to continue to fight to repay a loan of a school that closed due to predatory loans. I have included the USPS certified mail receipts. Three days later, yesterday, XX/XX/XXXX I received a letter from F.H. Cann & Associates indicating my account had gone to collections and now my balance is {$83000.00} adding " interests and costs '' of an additional {$22000.00} on a disputed loan that should have never gone to collections. The application for borrower defense to loan repayment was sent to US Department of Education - Borrower Defense to Repayment at XXXX XXXX XXXX, XXXX KY XXXX and US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I should not have to pay the remainder of the original {$42000.00}. loan, of which {$25000.00}. was initially paid to XXXX XXXX, nor the now {$66000.00} in interest and fees attached by XXXX XXXX, XXXX, US Department of Education and F.H.Cann & Associates ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MA XXXX ). The remaining balance in full should be forgiven.The remaining balance if full should be forgiven. If I was originally charged {$42000.00} which court documents indicate was an overcharge by 44 % I should have only paid {$23000.00}. I already paid XXXX. This nightmare has been going on for nearly a decade.
It is my understanding that when a debt is in dispute the debt can not be sent to collections. This debt has been in dispute since XXXX.
Lastly, let it be know that at no time was I contact to participate in a Class Action lawsuit regarding this matter nor have I received any relief of any kind toward this not in for form of monies nor reduction in balance, interest or fees.
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| 12/06/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I purchased a cosmetic bag and 2 body products at XXXX XXXX ( XXXX ), on XX/XX/XXXX, and charged the items to my XXXX store credit card. Purchase total, {$18.00}. On XX/XX/XXXX, I received a collection notice from F.H. Cann & Associates , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA, XXXX indicating my account is overdue. Current balance now {$250.00}. ( copy of letter enclosed ).
Upon calling the customer service line at XXXX, I was directed to XXXX XXXX ( corporate headquarters XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ) as they hold XXXX credit card accounts. After spending 3 days on the phone speaking to a number of customer service and recovery center representatives I was told that my account had been sold to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX ) and got nothing but a lot of run around and a lot of brush off. ( Please note I received no other contact from XXXX XXXX either through phone or e-mail address. Though I believe an old phone number was listed, again, due to system error/failure per next paragraph ) After another call to XXXX XXXX, on XX/XX/XXXX, a customer service representative, XXXX, did indicate my address had been changed as of XX/XX/XXXX, to an address of XXXX XXXX XXXX, XXXX NY. This is my previous ( last ) address. My current address, where I have resided for 10+ years, is XXXX XXXX XXXX, XXXX NY . In fact I received my last XXXX statement in XX/XX/XXXX at this current address. Therefore, all XXXX statements from XX/XX/XXXX to XX/XX/XXXX were mailed to my previous address. When I asked how the address got changed, no one could answer my question directly, other than the system had changed it. ( Please note at no time this year ( XXXX ) did I call XXXX XXXX to change my address back to a previous address of XXXX XXXX XXXX, XXXX NY ) I requested to have the XX/XX/XXXX to XX/XX/XXXX statements mailed to me. I received such said statements on XX/XX/XXXX, from XXXX XXXX. Confirmed, the statements were addressed to my previous address, XXXX XXXX XXXX, XXXX NY XXXX ( Copies enclosed ).
I mailed the copies of the billing statements to F.H.Cann & Associates , Inc. addressed to XXXX XXXX, XXXX Supervisor again indicating the statements were mailed to my old address. I have also enclosed the statement from XXXX of XXXX with my current address. After discussing situation with XXXX XXXX, he asked what I would be willing to pay and that he would go back to XXXX XXXX to negotiate. I said I would be willing to pay the {$18.00} for the items I purchased and in good faith, I am also willing to pay one late fee charge of {$37.00}. Total of {$55.00}.
In the meantime, I also wrote a letter ( and sent copies of the billing statements ) to the President of XXXX XXXX, XXXX XXXX XXXX, asking assistance with regards to the situation. ( copy of letter enclosed ).
On XX/XX/XXXX I called XXXX XXXX at F.H.Cann & Associates to follow up on the situation. He told me he had been trying to call me. ( Note, I received one call from F.H. Cann & Associates phone number ( XXXX ) XXXX and no message was left. ) He told me that XXXX XXXX did not agree to the {$55.00}, but agreed to a settlement of {$110.00}. My understanding that if I agree to the settlement ( and not pay the full amount of {$250.00} ) it will negatively impact my credit report for 7 years.
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| 02/21/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with my lender or servicer
- Keep getting calls about my loan
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Web |
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I entered into a income based repayment agreement with F.H. Cann & Associates , Inc. on XX/XX/2016 for a monthly voluntary payment of {$38.00}.
To date, I have honored this agreement and have been " on time '' every month in paying by the XXXX day of each month directly from a specific business bank account, as it is reasonable and affordable for me. All pre-authorized payments to date except the XX/XX/XXXX payment have been processed - which I noticed said usual amounts have not been debited as they had in the past.
I have not received a written notice of changes to our agreement, and, have now been sought on my mobile phone [ which I use for work ], and, the main line phone number to my business during regular business hours by agents of F.H. Cann & Associates, Inc.
This practice now begins to adversely effect my state of mind at work and the business flow of approximately 5 other individuals. More specifically, the agents calling my employer have asked for me at times I am conducting important tasks or timely projects and speak to others without regards to my privacy as to where they might fax, email or send a wage reduction form.
In the initial contact period with F.H. Cann & Associates , Inc., I did have faith they may be able to assist me in rehabilitating my federal student loans. They convinced me my affairs would be handled on a professional level with my best interest in mind. Two months ago they began to apply pressure for me to sign a separate and new terms and conditions agreement with language referring to " collection of fee up to 16.0 % of the outstanding principal and interest balance then due on my loan ( s ) will be added up on conclusion of this Agreement and purchase of my rehabilitated loan ( s ) by an eligible lender. '' I have yet to determine what more I can do to comply honor my responsibility to what I 've agreed but know my original federal student loans have rates under a 5 % interest.
I have advised F.H. Cann & Associates , Inc. of my on-going involvement in debt counseling through my Attorney, XXXX XXXX. And, they are well aware I am considering personal bankruptcy only because of outstanding medical bills due to a XXXX, whereby financial constraints within the past 10 years were compounded by a long-term employment lay-off. This episode of my life rendered my personal financial affairs a disaster that also caused me to cash in a 401K to care for myself and a dependent child.
I have asked F.H. Cann & Associates , Inc. for their consideration of all communication with me to be conducted by telephone after XXXX EST., to which they have not complied recently. There is no clear line as to why F.H. Cann & Associates , Inc. now comes at me with such aggression with obvious disrespect for my personal business matters. I now think of F.H. Cann & Associates , Inc. agents as being far more seriously dangerous to my mental health as their intentions seem to have taken a turn for the worse.
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| 09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The remaining balance on my student loans ( roughly 36,000 in XXXX ) was discharged in XXXX due to XXXX XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year reviews.
That and other documents were submitted to XXXX/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and FH Cann were reporting over six months of delinquency to the three bureaus.
None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion.
The XXXX staff at the Dept of Education told me it was clear that I had a XXXX balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago.
I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim.
I am on the verge of being homeless. This is criminal.
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| 03/07/2019 |
Yes |
- Debt collection
- Private student loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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On XX/XX/XXXX XXXX from FHCANN & Associates contacted me in XXXX of XXXX and made me aware of a debt that I had for student loans. Prior to him contacting me I was not aware of an amount, or that I was in default. After XXXX spoke with me he and I made an agreement to set up an arrangement to get back in good standing with my student loans on an IBR program. The program that he advised me to get on was only {$5.00} a month for which he specifically stated would be a duration of 8 months. In the midst of our conversation I made XXXX aware that I would be filing taxes and specifically asked him, verbatim, if I had any kinds of garnishments against me with my student loans that I needed to be aware of. XXXX specifically told me no, that I did not have any garnishments. He also did not make me aware that I could " possibly '' be offset either if I did file my taxes. On XX/XX/XXXX I made my second payment and revisited the prior conversation in order to be sure that I would not be offset once I did file my taxes. On XX/XX/XXXX I was offset for the US Department of Education. I called FHCANN & Associates and asked to speak with a supervisor, and was given XXXX XXXX. He stated that there was nothing that could be done. I called again at XXXX PM the same day, and spoke with XXXX another supervisor, who stated that the call had been reviewed by XXXX and XXXX had came to the conclusion that nothing was said off script and that XXXX `` did '' make me aware that I would be offset, and that XXXX never confirmed that I would NOT be garnished. As I told XXXX, this is incorrect, and I wanted the call reviewed again. I also requested transcripts to which XXXX told me that FHCANN is not required to give me, however he stated that the call would be reviewed by a manager and that he would follow up with me in 1-2 business days. I would like to make a complaint based on the misrepresentation that XXXX made. From my understanding, XXXX is NOT a tax consultant, and therefore should not be answering tax related questions with definitive answers. I, the consumer, was also not made aware of the " possible '' offset which is a clear violation of FHCANN & Associates contract with the Dept. of Education.
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| 02/12/2020 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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XXXX-> XXXX-> XXXX XXXX XXXX-> XXXX XXXX-> F.H. CANN & Associates Inc.
I paid nearly 9 years of my student loans without Interruption. I then lost my job. Up until that point I had paid $ 20,000+ of my {$16000.00} loan. So I had paid {$4000.00} in interest at that point.
After a certain amount of time not being able to perform on my loan, it went into collections. Though XXXX never mailed me the bills, or informed me they were sending the debt to a collection agency. They claim they sent me e-mails, though they did not. They never sent snail mail either.
Now the collections agency, FH CANN is attempting to charge 24.34 % for collection costs.
Luckily I only owe > {$2000.00}. What if I owed {$100000.00}?! Thats a {$24000.00} Collection fee!
It equates to 4 years worth of interest in one charge. All because I couldnt perform on the loan. This is way too much money for a collection fee. To make matters worse, they then send the agreement that says, they will only charge 16 % collection fee if I sign and perform on the collection agreements, otherwise its 18 %. The kicker is, they then choose who they want to sell the note too, and then the new company reserves the right to charge a collection cost on top of it!
This has to be illegal!
If you, as a an owner of a bank, are offering student loans, you are investing in a generation of people and a job market. The risk of the investment is lack of job opportunity, yielding limited repayment. Either way, as a world leader, the fringe benefit of your infrastructural investment is the educating of your population.
The first chance you get, you dont sell the paper to a shell company, then charge outrageous fees once that person or people fall on hard times?!?! This is not how this business plan was originally built. It needs reform!
What is the cap on collection costs?
What are the rules for selling the debt?
What does transparency in servicing options look like. No Deception!
Please contact me with proactive or already in place regulations that will assist me with this companies attempt to collect a nearly paid off debt that they are trying to stock pile one-time insurmountable fees on top of.
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| 11/20/2017 |
Yes |
- Debt collection
- Federal student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I was contacted by XXXX XXXX of F.H. Cann on XX/XX/XXXX. I was advised that they are the current debtor that owned my student loan debt, which was defaulted on. She then advised me of a loan rehabilitation program, in which I would make payments for 9 months ( which had to be automatically paid from my checking account ), and after that time, my student loans would come out of default and I would be able to set up additional payments to keep them paid and in good standing every month.
I advised that due to my employment status, I was not able to make any substantial monthly payments. After going through several questions about my life, she determined that I could make small monthly " hardship '' payments via their student loan rehabilitation program.
I consented and she took my checking account information and emailed me some documents to e-sign sign, which I emailed back that same evening ( XX/XX/XXXX ).
Starting on XX/XX/XXXX my checking account was charged this monthly payment. I was charged every single month on the XXXX day of every month. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - all were electronically, automatically charged by " XXXX XXXX '' ), after which time my student loans should have come out of default. Since that time, I have made numerous attempts to contact this company and have all but failed. I was able to speak to someone on the phone in XX/XX/XXXX who advised me that I had one payment left in XX/XX/XXXX ( which was successfully made ), and after that payment I would receive something from them in the mail stating my loans were out of default. I received nothing. I have since tried making contact with them, only to be transferred to several other companies who they now claim hold my debt. If another company owned the debt, they were required by law to advise me of that, which never happened. I made monthly payments to them and they failed to deliver on their promises. I now have a student loan that I have been paying on which is still in default and I have no idea if any of the money I paid actually even went towards my loans. This is deceptive as well as illegal.
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| 03/14/2019 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Problem lowering your monthly payments
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Web |
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Six months ago I got in contact with the collection agency that has my student loans that are currently in default because I wanted to improve my credit and start repaying my loans. The collection agency is called FHCann & Associates and this is the worst company I have EVER dealt with. The process to start paying my loans back took many, many, many phone calls while I was trying to work. They needed paperwork after paper work. I was having to fax them and that wasn't good enough so I had to email them and that still wasn't good enough. This went on and on to the point that it was absolutely ridiculous. We had settled for {$100.00} a month so I had direct deposit set up for them to take it out my account and they have every month without fail. They had tried to go up on my payments to {$150.00} and then they actually tried to go down on my payments to I think it was {$55.00}. I told them that we would keep it at {$100.00} and they agreed. I was also told that after I make 9 payments on time that my loan would come out of default status and I would be able to make my payments to the Department of Education instead of them. Finally I was told that the papers I had sent were good but they had already taken I think 2 payments and I thought we were all set. All of a sudden I get my statement in the mail and it looks different so I called them. They stated that even though I had been making payments every month on time through direct deposit that it was not qualifying payments and I would basically have to start all over again and they needed a new income statement and pay stubs. I am currently in the busiest time of the year so I have been pulling 60 plus hours every week since the beginning of the year so when I send them my financial statement my payments will be outrageous and because I won't be able to afford those payments so then any payments I make would be non-qualifying payments therefore my loan would never come out of default. I am trying to do what I can to make payments on time every month, they are the ones who set the amount to come out my account. I feel that I have done my part and this is harassment and unfair.
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| 08/16/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Initial communication with FH Cann & Assoc. was after a wage garnishment was implemented with my employer. I informed FH Cann representative that I had received no written notice and was unable to verify amounts. They replied it was sent, but offered no proof of receipt.
I also explored a rehabilitation at this point but was told I could not enter the rehabilitation at that time, then again that I would have concurrent paycheck debits of XXXX % each for a total of XXXX %. As this is clearly unaffordable, and I was not in a position to pay this debt by credit card as counselled by FH Cann, I resolved to continue with the garnishment payment.
I made several attempts to contact FH Cann and request an account balance and a monthly statement. I was told by seperate FH Cann reps that these are sent monthly via mail. They must use the same mail service for the statements as their initial disclosure of debt, I have yet to receive either via paper mail. I did receive 1 statement and balance after to speaking to XXXX XXXX for the second time.
I recently filed a complaint with the XXXX and FH Cann General Counsil repsonded that they do not send monthly statments and that I may determine my " payment '' by reviewing my paystub. While the Esquire is correct, my paystub shows a debit amount, it does not provide a running balance, associated interest and fees. I have contacted the origional debtor for this information and was informed I must deal with FH Cann.
I believe as a consumer I have the right to the disclosure of debt ; not provided.
I have a right to see where and to what and how such garnishments are being applied.
If they are not required by law to provide these statements, how is consumer to know when such debt is satisfied? How is the consumer to know if the fees are within allowable legal limits?
If this is not illegal it most assuredly is poor business practice and poor customer communications.
Thank you
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| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I consolidated my only two existing student loans, in the amounts of {$4000.00} and {$3500.00}, respectively. This amount was paid in full shortly after by credit card. I have the credit card number. The account was held by my mother, now deceased.
However, the Department of Education and their collections agency, FH Canns & Associates are reporting that I owe {$26000.00}. The US Department of Education reports that they do show the consolidation and have further stated they can not confirm payment because the approved consolidation provider, XXXX was restructured while it held my loan.
Please note that prior to today, I have never seen any reporting to the credit bureaus of this debt, nor have I ever received any collections contact. It is only upon qualifying for an FHA loan did this matter arise. This invalid, unconfirmed, inaccurate account balance is preventing my family and me from buying our first home. This is severely negatively impacting our future. This not to mention The agents on the phone from the Department of Education failed to disclose that XXXX was censured and " XXXX has been dealing with problems related to its handling of student loans as far back as 2012. Due to complaints about their handling of student loans, the Department of Education transferred many of their loans to other servicers. You see, the Department of Education owns the Direct Loans, so they can decide who your loan servicer will be and there are many others. Since XXXX was having so many problems, the Department of Education cut ties. '' I need this matter resolved ASAP and will exhaust every regulatory, consumer advocacy, and legal resource at my disposal to do so. I paid my loans and I paid every other of my bills without fail so I'd have good credit when I needed it. The Department of Education, XXXX, and FH Canns & Associates are directly liable for this damage to my family, myself, and our futures.
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| 03/25/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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F H Cann and Associates Incorporated XXXX XXXX XXXX # XXXX, XXXX XXXX, MA XXXX has an abusive call policy : they record all calls and do not allow consumers to request not to be recorded -- their policy is to hang up on those calls, creating a harmful environment for consumers that want want to verify their legitimacy while not being recorded. Agents refused to answer company information that is public knowledge like their physical address which created me harm when thinking they were a scam. Their agents and supervisors make it seem like this scenario is the consumer 's problem and use language that felt like I was to blame. I heard phrases like, " Whatever you ask me, I don't know '' ( XXXX XXXXXXXX ) which makes them feel like a scam. I heard, " Are you done? '' ( XXXX XXXX ) in an aggressive tone from a supervisor which belittled my legitimate concern. One of the agents ( XXXX XXXXXXXX ) created a hostile environment for me when his crying child appeared in the background of my formal complaint. Also, it took an outrageous amount of time or I received hostile answers from agents XXXX XXXX, XXXX XXXXXXXX and supervisor XXXX XXXX. The phone number that supervisor XXXX XXXX provided to reach Manager XXXX XXXX at XXXX did not have a voicemail available and instead had the unhelpful runaround XXXX XXXX. Supervisor XXXX XXXX 's notes say she explained their Recording Policy as " security reasons '' but I do not remember that explanation in our call. F H Cann and Associates needs to not hang up on calls that request not to be recorded and should have the ability to control their call recordings. F H Cann and Associates needs to answer public knowledge questions about their company when asked. F H Cann and Associates needs to ensure the staff mentioned can appropriately handle escalated calls in a way that doesn't blame consumers for these legitimate concerns. Calls from XXXX at XXXX XXXX XXXX.
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| 02/04/2020 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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On XX/XX/XXXX i received my first letter regarding the current collections on this debt from the Dept of Ed. This first letter was the FINAL NOTICE OF WAGE GARBISHMENT FOR DEBT OWED TO US GOVERNMENT. When i called the Dept of Ed on XX/XX/XXXX i was redirected to FH Cann. Prior to this XX/XX/XXXX letter I have had no contact from a collector about this student loan debt when another company tried but after I sent a written request for verification of the debt, the collector never supplied verification and stopped contacting me. So, in several phonecalls on XX/XX/XXXX I immediately questioned FH Cann as to how this FINAL NOTICE was the only notice I've received and all they said was everything was sent to the same address. On this call I was instructed of several repayment options, of which were slight variations of paying the debt off in full. Not until ending the intial phonecall and doing some research and learn about loan rehabilitation. Upon calling back on XX/XX/XXXX and mentioning the rehab program FH Cann then said that was an option. They then proceeded to pressure me and question me about expenses regardless of how many times I stated I'd like time to review my finances to provide these numbers. FH Cann provided an estimate based on these inaccurate numbers and persisted in trying to get me to agree to these terms. Several times I repeated I would like to review my finances and was ignored I said I would not agree to terms until I could do a financial review to provide accurate numbers and that I also needed verification of this debt before I could do so. I was told this information was to be sent to me. The only documents I received after this call was a prefilled out loan rehab income and expense form using all the unreviewed numbers from the phone call. No verification on the debt as of XX/XX/XXXX. I will now be following up with a written request of verification.
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| 10/26/2021 |
Yes |
- Debt collection
- Federal student loan debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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I contacted the company the weeks of XX/XX/XXXX - XX/XX/XXXX in regards to a debt that was in collections. Speaking with several agents over a week period I countered their settlement agreement and was advised that it was not accepted. I advised them that I was not able to accept the offer they provided and asked them to send me a letter in writing stating that my offer was not accepted. I was advised that they would not be able to send me no such letter. Speaking with a supervisor he advised the same thing and told me they would be able to send me a letter with the offer they provided. At that time I disconnected the call and made no further attempts to resolve the debt.
On XX/XX/XXXX I received two letter in the mail from the debt collector, one stating the amount they would accept and the other advising the binding payment agreement we agreed upon which never happened. I contacted the debt collector on XX/XX/XXXX advising one of the agents of the letters I received and advised her that I never agreed to payment arrangement. She stated that she was able to see in the notes where I did. I advised her that I did not I offered an amount that was not accepted but I never agreed not accepted they over they provided, let alone made a binding agreement. She then placed me on hold to get a supervisor. The male supervisor came on the line and advised me that the letter I received was not an agreement letter it was an offer letter stating what they would accept. I told him that I received two letters one with the offer and another stating that I came to a binding agreement and it had the terms and conditions. He advised me that I could ignore the letter throw it away and I do not have to pay it if I don't want. I advised him that was not the problem and that I never made an agreement and that was false/fraud. I told him that I would be filing several complaints and ended the call.
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| 09/30/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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I Have been paying my monthly payment as I have been requested to each month for nine months to get my loan back in good standings and out of default, Fh cann asked me to fax over paper work back in XXXX after I found out my taxes were taken and I could set up payment to be back in good standings and off off the offset list. I was asked to fax over tax forms and pay stubs alone with employer info which I did along with my terms and condition form ( I have fax confirmations and emails. ) Without this form i will not be able to go back to good standing within 9 months, I have been contacted several time throughout the year stating they did not receive the form. But they received all other forms? I have faxed emailed and mail this letter nemours times in hopes that this would be settled. Only to get a call back months later to say they still have not received all the paper work but yet still taking payment from my bank account. I tried reaching out to management which is always busy and cant get on the phone, ask for corporate number with no luck and being told that I need to call the same XXXX number as customer service ( XXXX ) I don't know where My money is being sent at this time all I know is that I am making payment. Tried to reach out to Department of education with hopes of getting somewhere unfortunately I've been told they can not help me at this point until Im in good standing.Which I should be at this point but I feel im getting no where with this company. I need help Because as a single mother I cant afford to make these payments not knowing where they are going and to have my taxes intercepted again when in reality Im doing all that I should be doing.
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| 04/24/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/2018 I was contacted while at work by XXXX XXXX. Our brief conversation was XXXX stating she is calling " regarding '' XXXX XXXX. She never stated where she was calling from nor who she represents and every time I asked her who she was she just stated she is calling in regards XXXX XXXX. When I asked what this was pertaining to, she kept insisting for me to give my personal information first before she will talk. I was very busy at work and because it was unclear of who she was and where she was calling from, I refused to give my personal information she was asking for. I told XXXX XXXX that I will contact her when I have some free time and not at work. A fax was then received moments later on our main office fax machine and was then delivered to my desk. The fax 's letter head states a company named F.H. CANN & ASSOCIATES located in XXXX XXXX, MA with a return of ATTENTION : XXXX XXXX xt XXXX. *Fax is attached* As of yesterday, XX/XX/2018 my HR department reached out to me stating that XXXX XXXX has contacted them, shared that I have a debt they are collecting and needed HR to give my personal information to her. When HR refused because there was not a court order, she stated " there will be. '' Whether or not the debt is legitimate, it is not acceptable for this company to contact me at work nor violate my rights, sharing my personal information and threatening my employer that there will be legal action.
I want this to be on record and have this company stop violating my rights. If needed, I will seek out legal advise to insure that my rights are protected.
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| 09/04/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem lowering your monthly payments
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Web |
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I took out an education loan for my son while he was attending the XXXX XXXX XXXX XXXX. The loan went into default. I was sent an email from the U.S. Department of Education on XX/XX/XXXX regarding my XXXX XXXX XXXX " The U.S. Department of Education recently recalled your defaulted student loan account from XXXX XXXX XXXX
You can now make payment arrangements without paying additional collection costs, but you must call us before XX/XX/XXXX. '' This was the only communication that I received from them regarding this matter. I didn't get a letter nor was a message left on my phone. I didn't get this email until today, XX/XX/XXXX.
However, they quickly sent this to collections with F.H. Cann. I received a letter dated XX/XX/XXXX which I didn't received in the mail XX/XX/XXXX.
This could have been avoided if the U.S. Department of Education had given me reasonable time to contact them. Nor was I ever informed about the XXXX XXXX XXXX XXXX XXXX. I worked in public service for the County of XXXX for 31 years. I retired in XX/XX/XXXX. My husband had health complications which continues to today. In addition, the former servicer for my loan refused to send any documentation I asked for in writing. His response was " Because we don't send anything in writing. '' I am disputing the additional costs that have been tacked on to this loan in the amount of {$1900.00} for legal costs plus any part of this loan which should have been forgiven under the XXXX XXXX XXXX XXXX XXXX. I can resonably make $ XXXX payments for balance.
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| 10/20/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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I received a letter dated XX/XX/XXXX from F.H. Cann & Associates , Inc from XXXX, NH phone ( XXXX ) XXXX. The letter identified this company as a debt collector. The verbiage of the letter indicated that I owed {$610.00} to XXXX XXXX XXXXXXXX XXXX.
All my credit cards are locked with each of the credit bureaus. It was not until I filed my takes in XXXX that I discovered my identity had been stolen. I am retired living in FL and I do not do any online courses. My identity has been compromised. The IRS has indicated that someone filed taxes using my XXXX and XXXX at my address. What was missing on the IRS tax form was my full name. I filed an identity theft report with the IRS.
I called the debt collector phone # and a someone answered, then hung up. I called back and the same person answered but did not hang up. I explained the debt was not mine. The company rep was rude and said to call the college, that the debt was mine. He wanted my XXXX #, which I did not provide. I responded my identity was stolen and asked for the last name of the person who owed the money. since only my first and middle name appears on the debt collection letter. The debt collector rep would not answer and told me to contact the college before hanging up. There is only an account # noted with the name of the college, but no phone #. According to the letter I can only dispute the debt in writing by XX/XX/XXXX either by letter or on their website.
I filed a fraud alert with XXXX on XX/XX/XXXX and was advised to file a complaint with CFPB.
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| 01/09/2020 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On XXXX the XXXX, 2020, I received a phone call from thee number XXXX. I asked what it was in regards to and they refused to answer. I asked what company she was calling from and she mumbled it out. She refused to spell it to me. I asked what kind of company it was and she refused to tell me without giving her my name. I had withheld my name at that point. I asked her again and I told her that the FCC laws ask that she disclosed this information to me or it could be construed as an unsolicited call. At this point it was an unsolicited call because she did not tell me who she was or why she was calling or what kind of company she was calling from. She refused to tell me anything until I verified whether I was or was not who I am. The name of the company was FH Cann And Associates. I called the party back and I requested this information once more and she hung up on me. Her name is XXXX. They called me earlier this month several times under different spoofed numbers. I have told them every time that I'm not giving my name out until I know why they are calling and they keep hanging up. And goes back to the same people. I have finally got the name so I thought I would report it today as this is an illegal practice. To this very 2nd, I have 0 idea why they would be contacting me. Nobody will tell me. I am in hopes that they will stop harassing me. I would like to be able to answer my phone and not be harassed. I've had at least 4 calls over the past week from unsolicited agencies, probably all this one.
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| 02/21/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem lowering your monthly payments
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Web |
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I object to the amount owed to the Department of Education. My original loan amount was {$53000.00}. {$17000.00} of that amount was forgiven through the XXXX XXXX XXXX Loan Forgiveness Program. I should owe around {$36000.00}, yet the DoE wants to garnish {$110000.00} from my paychecks? Why is that amount triple the loan principal? That is an absurd amount of money. I am a XXXX not a brain surgeon, so why charge me medical school loan amounts?
I appealed the wage garnishment decision and was rejected even though the Department of Education neglected to consider the $ XXXX in medical fees I owe due to XXXX XXXX.
If the loan principal amount was accurate then I could make those payments, but Im not sure any XXXX XXXX XXXX in America can pay back {$110000.00}. I want to pay back my loan. That amount should be around {$36000.00}. Please fix this instead of trying to gouge me like a Payday Loan shark. Every day I go to work XXXX and trying to make America better. Please dont garnish my wages for a fictitious amount of money that was boosted due to insane collection fees. I can barely pay my rent and other bills, including medical bills that resulted from XXXX. I was diagnosed with XXXX in XX/XX/2017 and have been recovering since then. Why wasnt I given the option to defer my student loan payments? I would like that courtesy now, and for the loan amount to accurately reflect what I initially borrowed to become a XXXX. Thank you.
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| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Upon pulling my credit report, I noticed that The US Department of Education reported two accounts in the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my XXXX report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible.
-My XXXX report is incomplete and they have completely removed the payment history instead of removing the account as requested.
- My XXXX report is inaccurate and the data doesn't have the same information as XXXX.
-On the Department of Edu website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX.
They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The US Department of Education states everything was on time that year on my XXXX report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?!
This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
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| 01/14/2020 |
Yes |
- Debt collection
- Federal student loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Complaint against F. H. Cann & Associates Inc I have contacted the collection company F. H. Cann & Associates, Inc several times, agree to pay {$200.00} ( set up auto pay ) instead of {$1000.00} per month. I am unable to afford to pay {$1000.00} per month. I have water, electric, child expense, repair membership fee, medical bills, ... etc. I can not afford to pay {$1000.00} per month, And in fact, F.H Cann did withdraw {$200.00} per month from my bank for many years.
Now, F.H. Cann & Associates Inc threatened me and released my debts to XXXX, XXXX, XXXX, etc., which stated that " late payment, serious delinquency '' were false allegations and false statements, and violated consumers ' privacy rights. *** I set up an automatic payment of {$200.00} per month, and this debt collection company does withdraw money from my bank every month.
There is also FH Cann & Associates Inc. The malicious intention is not to use its company name to represent XXXX, XXXX, XXXX ... and other credit reporting companies. They use the " education department '' name to represent XXXX, XXXX, XXXX ... company, that is ( 1 ). False statement, false accusation ( 2 ). Violation of customer privacy ( 3 ). Destroy my reputation, character and professional career and unable to get any credit cards or get loan and unable to find job.
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| 08/29/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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XX/XX/XXXX @ XXXX, I contacted F H Cann & Associates to make arrangements to pay my student loans. The representative who answered the call stated, I couldn't make arrangements to pay my student loans because I had made arrangements in the past with the past servicer. He then asked if I could pay XXXX to pay my loans off. I informed the gentleman that I didn't have XXXX. The gentleman said we'll I didn't qualify for any other program, I could only do the program 1 time. My only options were to pay over XXXX a month or settle for XXXX. He stated his computer shut down and he could no longer assist me. I hung up and called again at XXXX, spoke to another representative he stated again I didn't qualify for any programs and I can only do the program once and he could settle for XXXX and close the account. I asked could I apply for financial assistance and originally he said I couldn't. He then stated that he'll mail the form to me. I then called back at XXXX to request a deferment till I recieve the forms and they are processed and the representative said they couldn't give me a deferment. I called XX/XX/XXXX because I never received the financial forms I requested and asked for a deferment the representative said she sees where the forms were mailed out but still refused to give me the deferment.
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| 11/28/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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I received a letter from F. H. Conn & Associates informing me my student loan was in default and that I must repay them a balance of over {$60000.00}. I have never had any student loans. I informed F.H. Conn that I had no student loans, and after sever letters and months i received a copy of a XXXX XXXX XXXX XXXX XXXX and Promissory Note. The form they sent was hand written and full of errors. I explained to the representatives that I had never seen, nor signed the XXXX XXXX XXXX XXXX XXXX and Promissory Note they sent to me. There are several errors, it is hand written by someone other than me and with my alleged signature, something I would not do. It does not identify who filled out the form, and there is no witness or approval signature. The form has a date stamp of XXXX XXXX, XXXX across the top but the form notes its expiration date as XXXX/XXXX/XXXX. There are several other errors including using my Social Security # as my Drivers License #. I asked for a review of this loan, but have been threatened with wage and tax garnishment and seizure of my property to pay this loan. I have never had a loan. This is an error or a fake. I am not sure what good filing a complaint here will do but I do n't have a lot of other options. Thank you for any assistance you can offer.
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| 04/23/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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They have not stopped. First on XX/XX/2019 they repeatedly kept calling me. I would answer their call and hit mute and listen to her speaking, asking for me. " Hello, hello hello. '' I refuse to speak through them through the phone, so the next day, XX/XX/XXXX, I mailed a notice to ask them to please quit calling me and to either snail mail or email.
They didn't listen. Friday, XX/XX/XXXX they called my partner ( I never gave them his information ) and then also my mother. They told my mother that if she didn't get a hold of me next they would call my work. Well, today, XX/XX/2019, they called my work. This is after I told them not to contact me in any other method than in writing. Especially NOT to call me at work.
XXXX, who is employed at XXXX. XXXX XXXX XXXX, a debt collector, has repeatedly called me and harassed me when I have given specific instructions. Next it'll be a call to my attorney and lucky for me I work at a law firm. It'll cost me nothing to pursue them for damages.
XXXX XXXX should be fined. THEY are not above the law. I CAN NOT PAY THIS DEBT AT THIS TIME and I have told them repeatedly.
They have harassed family members and now my place of employment.
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| 09/23/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I had a checking account with XXXX XXXX. Few months ago, approximately around early XXXX, I received a message saying my bank account is in negative and I owe them money. I walked into the bank to get it resolved to which they gave me fraud number. I tried contacting them, but they said they can not verify my identity. XXXXXXXX XXXX then keep calling me and asking me to pay them money that was paid towards my discover credit card payment. When I contacted my XXXX credit card, they said the payment from XXXX was returned back, And none of the payment from my XXXX account is posted on my XXXX account. SO again when somebody called me, I told them, That the money they asking for, has never been posted to my account, then why should i pay? I had XXXX $ in the account that is also gone, and every week, I get 2-3 calls asking for money. I was okay with that, untill, today i got call from debt collection agency F.H. Cann & Associates stating i owe money to XXXX. This is frustrating. XXXX has closed my account, they can not verify my identity and now they are asking me to pay back the money that was never credited to my account. I dont know what to do. Please help.
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| 02/02/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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F.H. Cann & Associates , Inc. is not reporting on my credit report. They are continuously calling me about this allege debt. According to 15 USC 1692g they are in violation because they never validate this debt. My name is not XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I am not sure who account this is but it is not my account and this is a fraud account. Any information that is not accurate can be disputed and it will not stand because of its inaccuracies. I am well aware of my rights and the laws. After carefully looking more into this I now can understand how my rights were violated many times. FHC is violating several laws by harassing me which is 15 USC 1692d, communication with while I am at work 15 USC 1692 ( B ) ( C ). Abusive practices which is a violation according to 15 USC 1692a. Calling me about this allege debt which is false and misleading which is a violation according to 15 usc 1692. F.H. Cann Associates is a violation of 15 USC 1692 f ( 1 ). I have attached my Affidavit of Truth, ID, and my invoice for violating my rights. F.H. Cann & Associates threaten me to call my job and garish my wages on an account that is fraud and not mines.
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| 09/20/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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I agreed to a payment plan with FH Cann and Associates. After my first 2 payments were charged, I had to get a replacement bank card, which has a new number.
For 17 days ( XX/XX/XXXX until XX/XX/XXXX ) of trying to reach FH Cann in order to notify them of my new account and update my payment information, I was unable to reach anyone at the company. They do not respond to emails. Their phone numbers typically go unanswered.
One of their two publicly posted phone numbers simply cycles its introductory message with the notice that they are a debt collector, over and over, and does not allow the caller to speak to a live person, leave a voicemail, enter an employee 's extension, nor " press buttons for more options. '' There was no way to reach anyone at FH Cann in order to update my payment method on time, so my automated charge did not go through on my payment date.
On XX/XX/XXXX I was finally able to reach a person via phone and resolved the immediate issue. However I still want to register a complaint about this, because it is terrible that we can not reliably reach this company to update our payment information or make arrangements.
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| 05/29/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Incorrect information on your report
- Account status incorrect
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Web |
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I received a consolidated student loan during my years as a student at XXXX. I repaid the loan balance in XX/XX/XXXX or XX/XX/XXXX. In XXXX I received a notification from a debt collector saying I owe XXXX {$200.00} for a Perkins loan. I had not ever received a notification of this debt prior to XX/XX/XXXX, plus they had added interest to it. I sent a letter to that debt collector and said this is not my debt. They sent me back a statement that I had signed back then in XX/XX/XXXX for the {$200.00}. However, I rightly assumed that all my student loan debt was repaid. No proof was provided that this {$200.00} was not included in what I repaid back in XX/XX/XXXX or XX/XX/XXXX. Plus they've added interest to it and added this debt to my XXXX Credit Report. Is this legal? How can these collectors, on behalf of the Dept of Education try to collect a debt from 26 years ago that they have not proved is valid? Plus XXXX is known for sloppy record keeping in the past. It is my contention that the information provided by them is inaccurate. I want to debt removed from my credit report and for collectors to stop pursuing me for it. Thank You
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| 08/09/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX. XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.
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| 08/09/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.
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| 02/24/2019 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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My loan was turned over to FH Cann and Associates when it went into default due to monthly payments of over {$1500.00}. I sent them income information and was told I could consolidate and get back on track. I called to find out what else they needed in the process and was told that it was to late ; they had sent paperwork for garnishment to my employer. They used my income verification paperwork to obtain my employers information. I was not informed ahead of time, although they claim to have mailed notice. I never received it. Although I asked to be set up with a voluntary payment, they stated there was nothing to be done about the garnishment. I was then told that my garnishment would not even be enough to apply to my principal, it does not even cover the interest of my loan of over {$160000.00}. Im afraid that I will be stuck in this never ending cycle of debt for the rest of my life. I did everything I was asked to do, and the information requested that I voluntarily submitted was supposed to be used to help me ; instead it was used to immediately pursue garnishment without my knowledge.
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| 04/16/2020 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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" Your federal tax refund will be returned to you if your refund was in the process of being withheldon or after XX/XX/2020, the date the president announced executive actions related to the COVID-19 national emergencyfor the repayment of a defaulted federal student loan. Your federal tax refund will not be returned to you if the process to withhold your refund was completed before XX/XX/2020 ''.
On my letter shows XX/XX/2020 has the Department of Education states need to return my Refund. I have attached the document from the Treasury Department it was taken on XX/XX/2020.
I did not make any arraignments by phone or any type of communication directly to you. I need back my 3 years refund and will not call number provided because this is not my loan and invest time calling to get my funds back. It your obligation to return 3 years of refund and if not will file a suit against you for fraud and any damages that were incurred in this 3 years to collect my refund back.
I will settle by returning my refund back of 3 years and take off the loans off my credit.
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| 01/09/2020 |
Yes |
- Debt collection
- Federal student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/19 I received an email saying my check was being garnished XXXX by a company named FH Cann & Associates I was immediately concerned because I have never contracted with this company and I was concerned some type of fraudulent activity on my SSN so I gave them a call and had come to find out that they were garnishing my check for a federal loan that I hadnt received any correspondence from in years and in fact have sent out numerous letters to to try and verify that de debt existed without any response and on my credit report it was noted to be Charged off. Anyways they informed me that they sent mail to an address that I havent lived at in over 5 years and that they can me an opportunity to respond which is a lie. No I have to file a complaint in court for improper service and hope this ends the garnishment and I can negotiate to manage the debt. This is causing me extreme hardship and I hope this can be handled correctly moving forward.
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| 10/24/2019 |
Yes |
- Debt collection
- Federal student loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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My student loan is in default. My monthly social security check payment has been garnished ( 15 % of net income ), and income tax refunds for the last several years as well. Prior to being eligible for Social Security, my wages were garnished through my employer. For some unknown reason, F.H. Cann and Associates ( collection agency for XXXX ) began calling me at work through the school office ( I'm a part-time teacher ), and to date they have also phoned 3 co-workers at my school via their cell phones.
I have written and mailed a letter to both F.H. Cann and Assoc., and XXXX asking them cease and desist from calling my place of employment and co-workers, yet they continue to harass me.
They have my current address and phone number, yet have not attempted to phone me or send me written correspondence. I have tried to reach them via telephone, yet when I call the telephone just rings and rings, and finally disconnects.
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| 06/14/2019 |
Yes |
- Debt collection
- Federal student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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F.H. Cann and Associates, representing XXXX, falsely claims they have not received a letter dated XX/XX/2019 requesting validation of alleged student loan debt in the amount of {$9800.00}. They are now unfairly attempting to proceed with a wage garnishment as of a letter dated XX/XX/2019, and have not validated the debt as requested.
As of writing this, I am mailing a second request for validation of debt to F.H. Cann. This is also the 5th request for validation that has been sent to a collections agency in less than 1 year regarding XXXX. The first four were to XXXX XXXX XXXX and the request for validation has never been satisfied. F.H. Cann, XXXX XXXX XXXX and XXXX have demonstrated blatant disregard for the Fair Debt Collection Practices Act and legal action on my behalf is being considered.
F.H. Cann and Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
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| 06/26/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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XX/XX/XXXX - called me at work regarding debt. I explained in detail that I am at risk of losing my job if I am contacted at work re : debts.
XX/XX/XXXX - called at work again, told caller that I can not accept calls at work and to please stop calling. I was told it would not happen again.
XX/XX/XXXX- called at work again, again asked them to stop calling me at work.
XX/XX/XXXX- called at work.
JXX/XX/XXXX- spoke with agent calling regarding debt. Told her that I have asked multiple times to not be contacted at work, asked if it was legal for her to continue to call me at work after that request. She transferred me to manager. Manager said that he didn't see any notes saying that I couldn't take calls at work. Said he would just remove ALL of my phone numbers ( including my cell ) and if I wanted to pay my bill then I could contact them.
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| 03/16/2021 |
Yes |
- Debt collection
- Federal student loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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I am being victimized and harassed by debt collector, FH Cann & Associates. The company is harassing me by calling my neighbors regarding my past due student loan account. Two of my neighbors have reported to me that they have received calls from this company and told them that I need to call them to resolve a " personal matter. '' Of course, my neighbors surmised that this was a debt collector. The most recent call was on XX/XX/XXXX.
The company representative who made the XX/XX/XXXX call is XXXX XXXX. The number she left is XXXX. I explained to Ms. XXXX that I am contacting the student loan lender to negotiate the issue. Previous calls were made in XXXX.
Please find the contact information for FH Khann below : F.H. Cann & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX
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| 08/24/2021 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I am a consumer pursuant to Federal Law 15 USC 1692a ( 3 ).
FH Cann & Associates is a debt collector pursuant to 15 USC 1692a ( 6 ).
FH Cann & Associates has used unfair practices in an attempt to collect a debt pursuant to 15 USC 1692f.
FH Cann & Associates has furnished information without my consent to other third parties regarding alleged debts related to an account associated with my name.
FH Cann & Associates must first receive written directions from me in accordance with 15 USC 1681b ( 2 ) in order to furnish information to any other person besides me, the consumer.
Any person or organization that acquires information regarding a consumer without the prior consent of the consumer has committed the act of identity theft pursuant to 15 USC 1681 ( q ) ( 3 )
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| 03/12/2019 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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on XX/XX/XXXX, my salary was garnished for XXXX for defaulting on student loans. I called immediately and made arrangements to rehabilitate loan. Moreover, on XX/XX/XXXX, I was told I would in 7-10 business days I would receive a refund. As of XX/XX/XXXX, I have not received anything. I was also told I would be receiving documentation explaining my rights with 7-10 days, have not received. Moreover, there was an issues processing payment and I could not reach any anyone at collection agency by phone. My payroll XXXX even tried to reach out and couldn't get thru. I need to have payment set up so I don't receive another garnishment. How can I make payment if they wont accept my call. Can someone please help. I will lose my job and apartment if I am garnished next week.
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| 03/23/2022 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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The school that I attended, XXXX XXXX XXXX XXXX, has blocked me from ordering my official transcripts. They are saying I owe a debt from 2007 for a private University loan that was received. The total a little over {$3000.00}. However, when I went to go and check and verify the debt, the University has sold this debt to a debt collection agency. I've never received a letter or call from this agency, and I've also tried to contact them several times but no one has gotten back to me. The collection agency is called FH Cann. What's even worse, the University still won't release my official transcripts even though they've sold the debt. I don't know what to do. This is so wrong and very confusing.
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| 03/27/2020 |
Yes |
- Debt collection
- Federal student loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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XX/XX/20 : I received a call from FH Cann & Associates at my place of employment. I spoke with the representative and requested that they not contact my job or family. I gave them my telephone number and said they can call me at the number I provided ( vs. my job, my business, family, etc. ) XX/XX/20 : I received a call from FH Cann at XXXX XXXX on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX on my business line XX/XX/20 : A family member received a call from FH Cann at XXXX XXXX on their personal line
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| 03/27/2020 |
Yes |
- Debt collection
- Federal student loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
|
|
XX/XX/20 : I received a call from FH Cann & Associates at my place of employment. I spoke with the representative and requested that they not contact my job or family. I gave them my telephone number and said they can call me at the number I provided ( vs. my job, my business, family, etc. ) XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : A family member received a call from FH Cann at XXXX PM on their personal line
|
| 05/04/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XX/XX/2020 XXXX XXXX. EST My wife and was contacted by an unspecified representative of F.H. Cann and Associates. The representative mentioned the debt was from an unspecified student loan that I listed my spouse as a person to contact. The representative also mentioned that they could provide more information if she gave personal information about me to them.
Any student loan I have was acquired years prior to meeting my wife and I have had no communication with any company where I either provided her information nor listed her as a contact. This information was false and misleading to gain personal information about me. This is in direct violation of FTC rules.
|
| 06/22/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I received a Perkins loan while in XXXX school. I was told that my loan will cancel if I work as a XXXX. I followed the rules, and I have worked for 6 years as a XXXX. I submitted my letter from my employer as evidence, and I was later told that my loan had been sold to a collections agency due to failure to pay. I explained that my loan should be canceled because I followed the rules and have provided evidence that I have worked as a XXXX I was informed that I am not eligible to cancel because the loan is now in default. I was told to send a message to this link because the terms of my loan was not kept by the original company that managed my loan.
|
| 04/05/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
I submitted required documents multiple times over the last year. Only in XXXX would they acknowledge receiving documents. Emailed documentation was bounced back with mailbox is full I explained this to customer service and was told we can still receive documents when that happens. I mailed and faxed documents which were never posted to my account. My loan status has not been updated to my credit report for months. FH Cann states it is the fault of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX states they are waiting for a green tag from FH Cann. This has been an ongoing problem and I am told each time I call wait a few more weeks.
|
| 07/09/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
Older American |
|
I have not received an accurate pay-off figure in writing for the debt I am being asked to pay. I have received a total balance demand with no supporting evidence of amount applied from Social Security garnishment or tax rebate applied, which was also garnished.
Enclosed is all the information I have received. XXXX no longer has my account available on their website. I want to receive information in writing from FH Cann or the US Dept of Education.
I sent a formal request for information using the sample letter provided from this web site on XX/XX/XXXX. I also asked in writing to receive all correspondence through the mail.
|
| 03/01/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
First off I have never ever received any type of letters for my wage garnishment of 25 %. Also they took my entire tax return on XX/XX/XXXX and no one has any idea why I did not receive a letter 60 days before. The amount of my loans have not changed since XXXX. They have been garnishing my wages for the past year and then took my tax return. I am a single mother with XXXX kids. Tax time is the only time of the year that I am worry free for about a month. I work hard everyday. I did not think they were allowed to garnish my wages plus offset my entire tax return. This is just awful plus the balance is not dropping.
|
| 07/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Numerous calls from various agents of this company, weekly, for the past 3 years to my place of employment. I have told them repeatedly that they were not allowed to continually call and they were not allowed to give messages to my coworkers and subordinates, yet they continue to do so. Today, they left another message with one of my subordinates and I decided to file a complaint because it seems to me that they are seeking to embarrass me at my place of employment. The company is FH Cann & Associates. The number they are calling from is usually XXXX. But they have called from other numbers.
|
| 09/26/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This debt collector for student loans has called me hundreds of times, on my phone and at my part time job. My employer has asked the caller to stop calling at my job. I have asked them to stop calling. Many different phone numbers are used to harass me. Many different callers. Some of the phone numbers that call are XXXX ; XXXX ; XXXX ; XXXX ; XXXX. However there are many more. The harassment is making me very sick as there is nothing I can do to change my financial circumstances. I am partially XXXX after three XXXX XXXX XXXX.
The callers call me several times a day. My job is affected.
|
| 10/16/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
The company F H Cann & Associates Inc. keeps contacting my brother repeatedly about my supposed debt. I've never heard from them, never received any letter from them detailing the debt. The company above revealed to my family member that they are trying to collect debt and keep spam calling them multiple times a week. They are not supposed to call more than once to obtain information about my whereabouts, yet they are spam calling every week. They are not supposed to talk to anyone other than my parents and potential spouse, yet they are contacting my brother repeatedly.
|
| 01/20/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have been audited by the IRS a few years ago and they confirmed that I had paid off all my student loans with the Department of Education in which they sent me my remaining federal income tax check after paying off remainder federal balances. I have also already applied again for another student loan and was approved, which if I did still have an outstanding balance I would have been denied. A year later I received a letter from a collections agency stating that I owe {$5700.00} for an outstanding federal student loan.
|
| 05/17/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have called repeatedly the collection agency that my account is with and I havent received a response from them for the last 2 months! Dep of education is garnishing my paycheck during the month of XXXX, XXXX and as of today. Under the cares act this was not supposed to take place. As a result of this I am 3 months behind in rent and have not been able to live. Effective XX/XX/XXXX, dept of education is not supposed to be garnishing checks but they are still illegally ignoring the cares act and taking my money.
|
| 05/18/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
They sent me a letter threatening to take legal action against me if I did n't take action to pay off my student loans so on Friday XXXX I spoke with a lady from FH CANN I told her that I was already doing a loanRehab with XXXX through the Department of Rd she ask me what was my payments and I told her {$5.00} a month and she told me that {$5.00} was n't feasible for them and they will need more money than that she was so rude about the situation and also I would Like them to contact me only not my job
|
| 08/12/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
XX/XX/19 recieved two documented calls from FH Cann within a 3 minute period. Once i returned the call and was notified of missing document needed i verified my address fo rit to be resent. The rep than asked about fax i gave her the number letting her know im not there and to not send anything with amounts on it. less than one minute later this rep sent me paperwork with every loan on it and im XXXX XXXX because i told her it was a public fax and to not send dollar amounts
|
| 04/09/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
FH Cann & Associates had taxes taken XX/XX/2019. Wages garnished starting XX/XX/2019. Have call multiple times to find out the pay off / settlement amount of loan with no response. Left an Email XXXX XXXX 2019. No response!!!! Haven't been sent any statements regarding balance or amounts taken. Deferment refused due to not consolidating my loan with my wife 's. My wife doesn't have any loans. They admitted they made a mistake and than started taking wages.
|
| 12/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with F.H. Cann & Associates, Inc.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's.
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.
|
| 06/03/2015 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was in a student loan rehabilitation plan with FH Cann from XXXX 2014 until XXXX 2014. During the loan rehabilitation program FH Cann illegally added excess fees and collection costs to my student loans. FH Cann also did not disloce where my payments were allocated to. FH Cann is engaging in illegal debt collection tactics by adding excessive and illegal fees and collection costs to people who are trying to rehab their student loans.
|
| 04/14/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
FH Cann has been repeatedly calling me and asking for XXXX about a debt. They stated the debt is from late XXXX. Theyre citing a college I went to but I graduated in XXXX. The woman was very aggressive and I kept asking for a debt validation. I have never received any mail or verification from them about any debt. I want them to stop calling immediately and only correspond by mailed letters.
|
| 02/01/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company making repeated harassing calls to my business ( XXXX XXXX XXXX, XXXX. ) after being told calls are to wrong person. Speakers allege they are calling on behalf of U S Department of Education. Callers demand personal identifying information and state they will continue to call until I disclose such information to them. Also spoke to Supervisor and asked that calls cease.
|
| 06/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I received three phone calls today from a debt collection agency, but I do not nor have I ever owed them any money. Since I got my new cell phone ( XXXX XXXX ), I have received many phone calls from debt collectors and scams. I tried changing the number once already but the debt collectors and scams keeps calling. I have never had such a bad experience with a cell phone.
|
| 08/16/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I received another call today from F.H. Cann after having submitted a previous complaint against them. They were supposed to have put my phone number on a do not call list, yet I am still receiving calls from them. I do not owe any money and only started receiving these calls from debt collection agencies when I got my new cell phone ( XXXX XXXX ).
|
| 09/18/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I settled my debt with XXXX XXXX through XXXX XXXX and XXXX for the amount of {$3600.00}. I was told on a recorded telephone call that this would settle my debt. I was also sent paperwork which confirmed this. On XX/XX/XXXX I was called and told that XXXX rejected the settlement, s and I would be made to pay the full amount.
|
| 08/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
This company F.H. Cann and associates keep calling me about a debt that my brother owes. This has repeatedly called my number even after I told them not too. I just want them to stop calling because I have no idea where he is and to my knowledge my brother never had my cell phone number.
|
| 05/10/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
Servicemember |
|
They are supposed to stop payments during this time until XXXX due to the Coronavirus and I call and no one is there. I work for XXXX and the comptrollers can not stop the garnishment until They hear from them. The dept of education says its supposed to be stopped. What do I do?
|
| 04/02/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The company FH Cann and Associates began garnishment of my paycheck without serving me any paperwork. I don't know if I've been sued or what or when the court case was. They are also in violation if the CARE Act by refusing to stop student loan collection after XX/XX/2020.
|
| 04/27/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
FH McCann Att XXXX XXXX XXXX XXXX XXXX has been harassing me by calling my workplace after being asked not to. This has gone on for years. Please help, they are seriously damaging my work reputation, telling anyone information they should never be allowed to.
XX/XX/XXXX
|
| 02/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Company at XXXX has called my employer repeatedly over the past three days. They have been told that employees can not take personal calls there. They even harassed my supervisor on her personal cell phone. The person at this company identifies herself as XXXX XXXX.
|
| 07/22/2019 |
No |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I WAS CALLED BY THE HR DEPARTMENT OF THE COMPANY I WORK FOR AND THEY TOLD ME THAT A WOMAN NAMED XXXX XXXX WAS LOOKING FOR ME, AND GAVE ME A NUMBER TO CONTACT HER AT. I CALLED THE NUMBER AND FOUND OUT SHE WAS A DEBT COLLECTOR FROM XXXX XXXX.
|
| 08/17/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2018 at XXXX XXXX FH Cann Associates called me at my place of employment without permission to contact me there. The number is not public information and I have only had a direct line at my desk for a couple of weeks.
|
| 07/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Received a collection notice and a report on my credit reports regarding a debt from FH CANN & ASSOCIATES INC. I am XXXX XXXX XXXX and do not owe a debt to this company or a XXXX XXXX. I do not know who these companies are.
|
| 12/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
These people call my job everyday all day long and harass me and my coworkers. They are even calling my friends and family. I would like it the harassment to stop. I don't know who they are but I want it to stop.
|
| 10/05/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
In XXXX of XXXX, after received a phone call at work, I asked XXXX XXXX of FH Cannes and Associates to not contact me at my work phone number. She contacted me at work at around XXXX on XXXX XXXX, XXXX at work.
|
| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
F.H. CANN & ASSOCIATES , INC. threatened to XXXX, and XXXX my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.
|
| 06/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
XXXX has been calling my workplace. My workplace is a XXXX. Not only are these calls an embarrassing form of illegal harassment, but they are putting people XXXX in danger by clogging up the phone lines.
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
A representative by the name of XXXX XXXX from FHCANN & Assoc. Called and stated " if you don't want to deal with this account ( debt ), then we will call your relatives and ask them about it ''
|
| 05/18/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The current collection agency constantly sends me letters and doesn't own the debt and therefore has no authority to hound me with calls and letters on this debt.
I don't owe them any money.
|
| 03/28/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
They took 3 years of Federal refund away from me. Would like my money back!! Even this year with all of Corono Virus going on. I have no job! They are crooks!!
|
| 07/16/2019 |
No |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2019 tax refund was garnished to offset a student loan debt. I was never notified of this in writing.
|
| 01/15/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company is a debt collector and I have not signed a contract with them.
|
| 07/26/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
F.H. Cann & Associates is calling my place of employment and harassing me.
|
| 01/10/2024 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 10/08/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/17/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 08/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/23/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 10/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/21/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Fax |
|
|
|
| 06/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 06/15/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 06/15/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 05/14/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 03/26/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
|
| 02/29/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Referral |
|
|
|
| 02/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 02/26/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 02/11/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/06/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/30/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Referral |
|
|
|
| 01/30/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Phone |
|
|
|
| 01/23/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/09/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/15/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 10/30/2019 |
No |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Phone |
|
|
|
| 10/21/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Postal mail |
|
|
|
| 10/01/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 09/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 09/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/13/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/27/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 08/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 08/01/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 04/15/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
|
| 04/04/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/25/2019 |
No |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Phone |
|
|
|
| 03/14/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 02/20/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/14/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 01/18/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 12/17/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 12/11/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/05/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 10/31/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
|
| 10/24/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 10/18/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 09/26/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/28/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 08/09/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 07/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Referral |
|
|
|
| 06/12/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 06/03/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/20/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
|
| 04/04/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Referral |
|
|
|
| 03/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Referral |
|
|
|
| 03/12/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/06/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 01/25/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 01/15/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/30/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 11/24/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/01/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 10/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/25/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/06/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 03/06/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/01/2017 |
No |
- Debt collection
- Federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 02/24/2017 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Phone |
|
|
|
| 01/27/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 01/25/2017 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
Servicemember |
|
|
| 01/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 12/12/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Fax |
|
|
|
| 12/08/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 08/02/2016 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 05/28/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 05/26/2016 |
No |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 08/14/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/30/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 05/21/2015 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/08/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 01/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 01/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 06/19/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 04/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
Older American |
|
|
| 01/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/12/2013 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 08/21/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|