Immediate Credit Recovery CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/02/2021	Yes	Debt collection Federal student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MD 20850	Web
After receiving a letter from the Department of Education, XXXX XXXX XXXX in regards to the extension of your student loan flexibilities. On XX/XX/XXXX and XX/XX/XXXX, I requested for a validation of debt in pursuant to 15 U.S.C. 1692 ( g ). Because, I never received any initial written documentation or notification that disclose it was an attempt to collect a debt. I received two letters from a debt collection agency name XXXX XXXX XXXX contracted by the Department of Education on XX/XX/XXXX and XX/XX/XXXX in regard to an alleged account # XXXX concerning student loans declared in default of {$67000.00}. According to the two letters I received from the XXXX XXXX XXXX this balance includes {$38000.00} in unpaid principal and {$18000.00} in accrued interest. For this reason, the account was transferred to another third-party debt collection agency name Immediate Credit Recovery , Inc., which is entitled by its contract to a commission, {$10000.00} for collection costs, and additional finance charges. Along with the two letters were the alleged copies of the master promissory notes that did not disclose it was an attempt to collect a debt. It did not provide key details about the loan amount ( violation under 15 U.S.C. 1605 determination of finance charge ), finance charges including interest rate, loan fee or similar charge, other charge or any guarantee, fees paid directly to the schools, any amount payable under other systems or additional charges. These promissory notes alleged that I was the borrower, and it did not state if a consumer would owe a debt. Again, these promissory notes do not disclose any adequate amount of the finance charge, the amount to be financed, the total of payments, the number or amount of payments. Whereas none of the promissory notes do not state that such consumer owes any debt in pursuant to 15 U.S.C. 1692 ( b ). Any form of communication received through this correspondence concerning this student loan account with the U.S. Department of Education, Federal Student Aid do not indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This unfair or deceptive act or practice committed by the assigned college or university which failure to disclose the actual cost on the promissory notes and failure to disclose in the initial written communication with the consumer that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. These promissory notes provided were documents authorized, issued, or approved by the Department of Education use for deceptive means to collect or attempt to collect any debt. These letters alleged that I owe multiple debts XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ) and threaten to take negative or legal action. Again, the master promissory note do not include any loan amount, or finance charges that were included. In pursuant to 15 U.S.C. 1692j-Furnishing certain deceptive forms, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor such as the consumer is participating in the collection of or in an attempt to collect a debt. Therefore, this complaint is intended to protect my federally consumers rights and to ensure that it protect the consumer against inaccurate and unfair practices, such as cease unfair or deceptive acts or practices involving student loans and financial aid. In pursuant to violations under 15. U.S.C. 1605 the determination of finance charge shall not include improper fees and amounts, accrued interests, late charges, unpaid principal balance, loan fees or similar charges and amounts imposed by third parties collecting additional finance charges. I never received any loans ; I entered an open-end consumer credit transaction which I extended as a natural person in pursuant to 15. U. S. C. 1602 ( j ). On top of all the false, misleading, and deceptive acts, the Department of Education disclosed nonpublic personal information to affiliated or nonaffiliated third parties ( XXXX XXXX XXXX and Immediate Credit Recovery , Inc. ) repeatedly and violated my consumers rights to privacy under 15 U.S.C. 6802 the obligations with respect to disclosures of personal information. In both letters received from thXXXX XXXX XXXX XXXX, they are urging me to contact the Immediate Credit Recovery , Inc., for repayment options for the alleged balances transferred to this debt collection agency. I have no idea who either of these debt collection agencies are after or before the account was transferred to them, nor do I have any affiliation with these third-party agencies, and I did not enter any consumer credit transaction with these debt collection agencies ( XXXX XXXX XXXX nor Immediate XXXX XXXX XXXX XXXX. or a like ). Again, I did not enter a contract with Immediate Credit Recovery , Inc. Therefore, a third-party debt collection agency who purchase defaulted loans can not lie about improper amounts that consist of finance charges, accrued interests and additional collection fees that I do not owe. On XX/XX/XXXX I sent a cease-and-desist letter to Immediate Credit Recovery , Inc., as I was instructed to by the other debt collection agency name Default Resolution. I demanded for Immediate Credit Recovery , Inc., and all affiliated financial institution to cease all forms of communication with me through any and all mediums, relating to the federal financing, capitalized interest rates or accrued interest, increasing unpaid principal balances, collection fees, loan fees, commission charge or other system or additional finance charges and account number XXXX. Violation under 15 U.S.C. 1692 ( e ) ( 1 ) false representation or implication that debt collector is vouched for, bonded by, or affiliated with the United States or any State. Violation under 15 U.S.C. 15 U.S.C. 1692 ( e ) ( 2 ) the character, amount, or legal status of any debt or finance charge, amount financed and displaying a positive balance. Violation under 15 U.S.C. 15 U.S.C. 1692 ( e ) ( 11 ) the failure to disclose in the initial written communication with the consumer that this is an attempt to collect a debt. Violation under 15 U.S.C. 1692 ( e ) ( 14 ) the use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. The Department provided more than one debt collector names who was hired to collect this alleged debt. Violation under 15 U.S.C. 1692 ( f ) a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Violation under 15 U.S.C. 1692 ( f ) ( 1 ) the collect of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Violation under 15 U.S.C. validation of debt- the promissory notes do not provide the amount of the debt, a copy of the judgement against the consumer, and these debt collecting agencies refuse to provide all pertinent documents. Violation under 15 U.S.C. 1692i legal action by debt collectors. In pursuant to the federal Fair Debt and Collection Practices Act 15 U.S.C. 1692 ( FDCPA ) Immediate Credit Recovery, Inc and a like shall refrain from attempting to collect on these defaulted school loans and violating my consumers rights. Violation under 15 U.S.C. 1692 ( d ) ( 1 ) can not threaten to ruin my reputation by reporting to consumer reporting agencies improper finance charges, accrued interests and amount to collect additional fees. Violation under 15 U.S.C. 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. These are a few out of the many violations under 15 U.S.C. 1692 Chapter 1692. Along with the cease and desist I sent exhibits for 198 Federally Protected Consumer Rights Violation Under 15 U.S.C. Chapter 41 ( FDCPA, FCRA, Truth in Lending Act and XXXX XXXX XXXX XXXX and to pay the invoice for {$590000.00} for all the violation presented in the exhibits.
08/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 78640	Web	Servicemember
My wife and I were attempting to purchase a home using my VA loan benifits. Everything looked good according to our Finance Officer ... nothing to indicate the loan would not go thru ... so it was sent to Processing before being submitted for underwriting. Processing got a hit on my wife on XXXX regarding my wife defaulting on her student loans. Backtrack a little ... ..In XXXX my wife defaulted on her student loan due to us having financial hardships. She was contacted in XXXX stating that her wages were going to be garnished and she acknowledge this. They were garnished from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX, my wife left her job working for XXXX XXXX XXXX in the State of Texas. She sent the XXXX XXXX XXXX XXXX notice to stop the garnishment of her wages due to being unemployed, to which they acknowledged receipt. About the same time, my wife and I were working with an outside 3rd party loan adviser, XXXX XXXX XXXX XXXXXXXX, XXXX, trying to see if there was any way to reduce our student loans ... .I attended XXXX XXXX and they were in trouble for being a 'For Profit ' school and they had escalated my student loan debt as well as used my entire XXXX GI Bill, and my wife, having been with the State of Texas for 10 years, was told that they could file a Public Service Loan Forgiveness ( PSLF ) tXXXX would remove her from having to pay back her student loan. Step forward a bit ... .We paid XXXX XXXX XXXX XXXX for their services ... my payments ended up increasing but we did not hear anything on my wife, however, we also no longer heard anything from the XXXX XXXX XXXX XXXX XXXX nor from the company the XXXX XXXX XXXX XXXX had given her loan to. Additionally, there were no further reports on my wife 's credit for delinquencies or whatnot. In fact, the last report on my wife 's credit was from the XXXX XXXX XXXX XXXX on XX/XX/XXXX where it stated that the highest balance on the subsidized loan was {$35000.00} and the current balance is {$0.00}, and her unsubsidized loan 's highest balance was {$40.00}, XXXX and the current balance is {$0.00}. It also states that both loans were closed and says that they were closed due to transfer. These reports were from when she originally defaulted on her loan. Nothing had or has been reported since. Apparently, after my wife had sent in the notification to stop wage garnishment, her loans were immediately placed in double default to which they 1 ) were reported to XXXX, thus blocking any chance of us ever using my VA loan or an FHA loan, and 2 ) have been accruing an interest of $ XXXXday that is has been in double default. Now, we had filed this paperwork for the PSLF, my wife had also informed the XXXX XXXX XXXX XXXX to stop garnishment ( not that they can garnish nothing ), and the last report on her credit stated the balance owed was {$0.00}, had been closed and had been transferred. We naturally assumed that it had been actually forgiven and the transfer had meant it had been transferred to closing. Our complaint is this ... .after my wife sent in the request to stop wage garnishment due to her being unemployed, at no time EVER did either the XXXX XXXX XXXX XXXX XXXXXXXX nor whomever was holding the loan on their behalf after XXXX reach out to us to make payments separate from the wage garnishment, nor did either of them EVER report ANYTHING to any one of the 3 credit bureaus. As a result, we had no idea that her loan had in fact not been forgiven and we were still required to pay. As a result, we ended up getting blindsided after we had made an offer on a house, finding out that I will not be able to use my VA loan, and worse, my wife 's student loans are now in excess of {$110000.00} due to a $ 10.82/day fee/interest/penalty being charged over the span of 18 months, all because no one ever contacted us to let us know the debt still existed, nor to attempt to make payment arrangements with us. After all, we pay my student loans, so why would we not pay hers? We have reached out to the XXXX XXXX XXXX XXXX about this matter and they automatically refer us to Immediate Credit Recovery ( ICR ), the current holder of her loans. When my wife called ICR, she was informed that her loan would not come out of default until she either 1 ) paid the entire debt in full, or 2 ) paid $ 115,000+ and made payment arrangements on the remainder, both of which we can not do. They then told my wife that they might be able to make payment arrangements of a lesser monthly amount upon receipt of proof of mine and my wife 's income ( last 2 pay stubs for each ) and proof of my student loan, to which we did, and that after 9 payments, they could remove the default loans from XXXX. When I called, I was pretty much told the same but instead was told that the loans could come off after making 6 payments. I reached out to XXXX XXXX and explained the situation to them and they replied for me to contact the XXXX XXXXXXXX XXXX XXXX XXXXXXXX and request to have the XXXX report suppressed. My wife then called the XXXX XXXXXXXX XXXX XXXXXXXX and eventually managed to talk to someone who told my wife that they could not suppress the report until she had made 3 payments, or else paid the debt off in full. She requested to speak to an administrator or supervisor and was denied. I asked my wife if she informed them of who it was that told us that we could request for the to suppress the report to which she replied that she did not think of doing so. I then contacted the XXXX XXXXXXXX XXXX XXXXXXXX requesting to have the report suppressed and was told that the report could not be suppressed until I had paid all but {$25.00} of the debt. If I could pay all but {$25.00}, why not pay that last bit and have it removed from being paid and forgo suppressing it? I was then told that there was no such thing as suppressing the record. I was also told that the loans would remain on the XXXX report until they were paid off. When I asked to speak to an administrator or supervisor, I too was denied. I reached back out to XXXX XXXX and was told that a suppression does exist but only an administator or supervisor has the authority to do so and to reach out to one of them. I informed him of what happened when we did and he stated again that they were the only ones who could do so. Now, can the report be removed from XXXX prior to being paid in full? If so, how many payments must be made ... ..3 months, 6 months, 9 months? Can the report be suppressed? If so, how can we get in touch with a supervisor to have it done? Immediate Credit Recovery has since informed us that the payments that they have decided we could make would equal just over {$450.00} per month. With a $ 10.82/day fee/penalty/interest being assessed, in a 30 day month, I calculated that we would only be making payments towards my wife 's student loans in the amount of exactly {$110.00}, all the rest would be going to pay this ridiculously high daily charge. We are on the XXXX report due a series of unfortunately events but more so due to them not contacting us to inform us that payments still needed to be made. Had they done their job, in the very least, and reported the loans on my wife 's credit, we would have known the loans still existed and needed paying. Neither the XXXX XXXX XXXX XXXX nor ICS can explain to us the absence of reporting, why the last report was in XXXX of XXXX, nor why no one ever reached out to us via email, phone, or US Postal mail correspondence. ICS did however state that they sent a letter to us in XXXX of XXXX. The problem, according to one of the people I spoke with at ICS, the envelopes do not state the sender and only contain a XXXX XXXX address. Unfortunately, when I see mail in this format, I toss it as being junk as more than 90 % of junk mail I receive comes in this format. Had they had their name on the envelope, I might have opened it and addressed this issue sooner.
10/03/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I received a collection notice from XXXX XXXX XXXX XXXX and on XX/XX/2017 I mailed them a dispute via certified letter which made it a legal document. In the dispute I requested the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Account XXXX XXXX To Whom It May Concern, This letter is regarding File # Account # XXXX, which you claim I owe XXXXXXXX. This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX , you should be aware that a printout of a bill or itemized document does not constitute validation or verification. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter with ALL of the requested information may result in small claims legal action against your company at my local venue. I would be seeking a minimum of XXXX in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims that have been made by any creditor regarding this account. 4. Name and address of alleged creditor. 5. Name on file of alleged debtor. 6. Alleged account number. 7. Amount of alleged debt. 8. Date this alleged debt became payable. 9. Date of original charge off or delinquency. 10. Verification that this debt was assigned or sold to collector. 11. Complete accounting of alleged debt. 12. Commissions for debt collector of collection efforts that is successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX, in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from XXXX XXXX XXXX XXXX. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney Generals Office Cc : Better Business Bureau On XX/XX/ XXXX XXXX XXXX XXXX sent me a letter along with an itemized bill. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. I then in turn filed a complaint with the BBB which XXXX XXXX XXXX XXXX has yet to respond to. I am filing to this complaint today to say, I have never done business with this company and do not know who they are. They have never loaned me money and can not stand in a court of law and say that they have. Futhuremore The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. " Subrogation '' means to substitute. " Does not exist '' means is not allowed. " Stranger to the transaction '' means someone or some entity not on the original contract. This includes attempts to collect based on assignment, sale/purchase, or trade. The collector can not substitute himself to collect money because he believes he was assigned the task or he purchased the bad debt, or traded some bad debt for a different bad debt. I have never agreed to do business with your company - XXXX XXXX XXXX XXXX XXXX-, your company is not mentioned on any contract I 've ever signed with anyone and I demand full validation, meaning a contract between you ( XXXX XXXX XXXX XXXX ) and me with my true wet ink signature on it! I have never contracted with XXXX XXXX XXXX XXXX XXXX. There is no contract with XXXX XXXX XXXX XXXX XXXX or myself, regardless of whether XXXX XXXX XXXX XXXX XXXX purchased an account from an Original Creditor or not. Another thing is that if XXXX XXXX XXXX XXXX XXXX claims that they have received all rights of interest and assignment when they purchased the account, XXXX XXXX XXXX XXXX XXXX is automatically violating the Statute of Frauds. XXXX XXXX XXXX XXXX XXXX has NEVER exchanged anything of value with me, yet they want me to give value to their company. That is not equal risk, a pertinent part of all valid contracts. Furnishing or attempting to verify information with credit bureaus that is inaccurate is ILLEGAL COLLECTION ACTIVITY. XXXX XXXX XXXX XXXX XXXX is in clear violation of the FDCPA for continuing collection activity while refusing to respond to every demand for validation I have sent. I HAVE REQUESTED ON SEVERAL DIFFERENT OCCASIONS FOR VALIDATION WHICH IS A SIGNED CONTRACT BETWEEN XXXX XXXX XXXX XXXX AND ME! NOT PAPERWORK FROM XXXX XXXX XXXX. XXXX XXXX XXXX XXXX DOES NOT HOLD A CONTRACT BETWEEN ME AND THEM NOR DO THEY HAVE MY SIGNATURE LISTED ON A CONTRACT SHOWING IMMEDIATE CREDIT RECOVERY!! XXXX XXXX XXXX XXXX XXXX will need to provide a contract between me and them specifically!! I deny your claim, I deny owing any monies, I deny any contract with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX has never lent anything to me or provided any services to me, and I refuse to contract with them as I do not do business with 3rd party debt collectors. Please send me proof of your Bill of Sale and the price you paid to purchase my information and create this account, which you did without my knowledge, without my consent, without A CONTRACT or AGREEMENT allowing you to subrogate on my behalf. What XXXX XXXX XXXX XXXX did when they created this alleged account is commit fraud against me and perpetrate identity theft against me. XXXX XXXX XXXX XXXX does not qualify to make a claim against me according to the Doctrine of Subrogation. If XXXX XXXX XXXX XXXX does not produce a contract with my signature as well as XXXX XXXX XXXX XXXX/representative of this companys signature in 15 days from the receipt of this final statement, I will have no choice but to file suit against XXXX XXXX XXXX XXXX XXXX. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. Unless XXXX XXXX XXXX XXXX. provides me with all of the information I have requested, they better not even think about reporting anything on my credit report. I am extremely litigious.
01/04/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	PA 19050	Web
On XXXX XXXX, XXXX, I received a letter from Immediate Credit Recovery dated XXXX XXXX, XXXX on Department of Education letterhead, stating that I had 30 days to address a potential wage garnishment - either through a hearing or making arrangements to consolidate or pay the debt. It is the first letter of any kind that I have received from the debt collector. Prior to receipt of the letter, I was garnished by the Department of Education for over 3 years to pay back student loans that fell into default after I was diagnosed with XXXX XXXX in the fall of XXXX. I was doing well financially and attending XXXX University at the time. I had great credit, credit cards and a car loan that I paid on time each month prior to diagnosis. Needless to say I feel behind on almost every bill and my credit plummeted. I soon fell into default on my student loans. I never resumed schooling at XXXX University and ended my pursuit of a degree during my junior year. Fast forward to the present time - I can say that I am still recovering from my illness and the stress and trauma over my lack of financial adequacy. I feel that I have been beaten down by creditors and collection agencies for years, only to fall victim by their many tactics and deceitful practices. With regard to the letter from Immediate Credit Recovery, it stated that the Department of Education would initiate a wage garnishment if I did not act within 30 days to either contest the debt or make arrangements to pay based on income. I made a call within the week to address my concern and to also address the untimely mailing, which did not allot me 30 days to comply. After speaking with XXXX XXXX XXXX on the phone, it was my understanding that I would receive correspondence with guidance on submitting income documentation, bills etc. to support a payment arrangement. I never received a correspondence. However during the time that I was waiting for a letter via U.S. mail or at the very least, an email, I began working on gathering the income verification, lease information and billing information requested. While doing so, I ran into constraints around getting the requested paperwork. I reached out to XXXX XXXX on several occasions to request either an adjustment to the types of documentation needed or more time to gather the information. I was not able to make a second phone contact or any further contact with the Immediate Credit Recovery representative, XXXX XXXX within the 30 day time frame. I feel I was intentionally given the run around by other service representatives in and outside of the AWG department. I had been informed on two separate calls to the collection agency that XXXX XXXX 's team was in a meeting and would handle calls soon after. I never received a call. Because of how quickly things transpired to move against me, I feel that Immediate Credit Recovery acted unfairly and in a way that ensured I would be moved into administrative wage garnishment. They would stand to gain over 6,000 in fees for managing the debt collection, so I believe it was in their best interest not to counsel me fully, nor give me the necessary tools and guidance to avoid wage garnishment. Therefore, I believe there was incentive not to send letters to me prior to wage garnishment notification and not to correspond with me via telephone or send me emails to help me send in the needed paperwork to stop garnishment. After much research, I found that I could potentially have my student loans discharged if it was determined that I had a XXXX XXXX XXXX XXXX I immediately initiated the process on the eve of XXXX XXXX, XXXX, as I new a wage garnishment would be a burden to my family - as I had been garnished for over 3 years for student loans just prior to the notification from Immediate Credit Recovery. I also did research to find that the end of a 30 day notice can not fall on a Sunday, so I felt I would be safe with initiating an application for XXXX XXXX XXXX XXXX on XXXX XXXX, via XXXX. XXXX was quick to respond and begin the process, with a first step to request that the Department of Education and Immediate Credit Recovery cease collections until my application was received and reviewed. I received a letter from XXXX on XXXX XXXX, XXXX - approximately one week after their dated correspondence of XXXX XXXX, XXXX. The letter enclosed an application and next steps to follow for processing. The letter also noted all loans and amounts outstanding, the creditor ( Dept. of Ed ) and that the loan holders were contacted and instructed to suspend collection activity on the loans for a period of 120 days beginning XXXX XXXX, XXXX and ending XXXX XXXX, XXXX. It also stated that I would not be required to make voluntary payments and that the suspension will give me time to complete the TPD application and return for processing. It also stated that any wage garnishment payments already in will have to continue until a decision is made to discharge the loan debts. Receiving the notification gave me a sense of relief and I felt a burden lift. It was n't until I received a letter for the Department of Education today, XXXX XXXX, XXXX, that my stress and fear returned. The letter is dated XXXX XXXX, XXXX and is a FINAL Notice of Wage Garnishment for Debt Owed to U.S. Government. The language stated that garnishment would begin and my employer notified. I immediately called Immediate Credit Recovery and got an automated system. I could not connect with my representative XXXX XXXX or an alternate representative, as I was not directed to any other person for assistance. I then called XXXX and was met with great concern about the process. XXXX stated that the followed through with due process and that the Department of Education and Immediate Credit Recovery may be acting in a way that could be deemed unfair and not in keeping with timelines and fair collection activity. Seeing that I have gotten little relief from Immediate Credit Recovery, I am writing to you to throw myself at the mercy of your office and plead for more time to resolve this issue or at the very least find out if I am eligible for loan discharge. A wage garnishment would be a hardship on me and my family. I am also exploring bankruptcy as a last attempt to keep my financial situation as stable as possible. Thank you so much for your consideration and taking the time to hear my case. Best Regards, XXXX XXXX
09/09/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 77389	Web	Older American
On XX/XX/XXXX, I filed a complaint with CFPB. I explained in my previous complaint how a collection agent was garnishing my wages and that the debt was not even valid. The response from CFPB was to contact the assigned collection agent. I spoke with XXXX XXXX, Manager with the Wage Garnishment Dept of Immediate Credit Recovery. She gave me the address where to send my Request for Hearing at the Dept of Education 's Wage Garnishment Hearing Branch. I send my ink-signed letter requesting to stop the Wage Garnishment along with my budget information and supporting documentation showing my budget was already in the " red '' prior to the garnishment and that the garnishment was causing extreme havoc on my finances. Near the end of XXXX, a rep from ICR called me to say they had received a response from the Dept of Education Wage Garnishment Hearing Branch - there were two parts to the response : 1. one document was poor quality and I needed to send a better copy ; 2. Nothing else needs to be done was the response from Dept of Ed. I resent a better copy of the document requested, which was received on XX/XX/XXXX. I called on XX/XX/XXXX and was told they needed 21 days to review and that I should call back on XX/XX/XXXX. I called back on XX/XX/XXXX and a rep with the XXXX XXXX XXXX sent a fax to request to stop the Wage Garnishment. The following Friday, my pay was still reduced so I called later that afternoon ( XX/XX/XXXX ). I was told the fax was stopped and did not go to my Payroll Dept because I did not have a Hardship on file. I explained that I did have a Hardship on file and that a decision had already been made. The XXXX XXXX rep told me that I did not have a Hardship on file because I did not use their particular form. I explained that I was told by XXXX XXXX of ICR that the only problem with using this form was that I would be agreeing to the debt. I could not sign and send that form since I do not agree with the debt as my loan was fraudulently refinanced prior to XXXX ( that is when I first learned of it ). I also explained that I had sent an ink-signed letter requesting the Wage Garnishment be stopped and also sent a detailed budget along with supporting documents. I asked how could I not have a Hardship on file when the Dept of Education Wage Garnishment Hearing Branch requested a better copy of one of my documents. I also reminded them that you will see notes in my file from XX/XX/XXXX which say " Nothing Else Needs to be Done ''. I have spoken with countless reps of XXXX XXXX XXXX. None seems to scroll/read the notes all the way down and just copies what the last person said which is that I do not have a Hardship on file. I am not able to reach the Dept of Ed. When I call the Dept of Education, I am required to enter my SS number. Once my SS number is entered, I am automatically transferred to the XXXX XXXX XXXX. This entity is a contractor hired by the Dept of Education and they are undermining the Dept of Education 's decision in the matter. My financial situation has deteriorated even more since this garnishment started. I now have a new credit card which is almost at its limit and my other two are at their limit. I also have a new medical debt since this garnishment has started ( not even included on the budget I sent ). I am making payments to the XXXX XXXX Hospital as I had to have a XXXX due to a large XXXX XXXX. I am XXXX and can not even keep funds in my 401K. I have no regular savings or retirement savings and I am trying to get my grandson through school. I have sent another letter of complaint dated XX/XX/XXXX directly to the Dept of Education Wage Garnishment Hearing Branch recounting what has happened and asked if someone could contact me - nothing to date. I have asked two different employees of the XXXX XXXX XXXX to send me the Hardship form to fill out ( I will cross through the part which says I am agreeing to this debt ) and was told twice it was sent - to date, I have not received a copy of that form by mail or email. I asked to speak with a supervisor and asked that supervisor to escalate my case to her manager ( since she said I could not speak with a manager ). I was told they could not call me back, they could not email me back and they could not send a response in the regular mail. The only way for me to learn what the manager said about my case was to call back and check. That supervisor said to call back in two days. When I did, the rep on the phone said there was no note of my request to be escalated to a manager. I am now starting to think they are playing games with me because I filed a complaint with the CFPB - they are going to show me. My request is for someone with the CFPB to inquire and find out exactly what is going on with my case - where do I stand - when will this garnishment stop. The garnishment is not even on a valid debt. And most importantly, I understand I can receive a refund of the funds taken from me - how long will this take? I can be reached day or night at XXXX. Thank you for your help, XXXX XXXX. XXXX.
06/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38002	Web
I am making a complaint against Immediate Credit Recovery, XXXX XXXX XXXX and XXXX XXXX XXXX. Immediate Credit Recovery, XXXX XXXX, and The Department of Educations XXXX XXXX XXXX has stated that I have 3 unpaid student loans that were obtained in XXXX to XXXX to attend the University XXXX XXXX. I never signed for or received Federal Direct Stafford Loans when I attended the University XXXX XXXX. I did attend the University XXXX XXXX in XXXX and XXXX with student loans that I obtained through XXXX XXXX. Throughout the rest of this document I will be referring to XXXX XXXX by their new name XXXX. The Federal government is currently garnishing my paycheck and collecting my tax refunds for some additional student loans I never signed for, received, or agreed to. The legal basis for my claim falls under The Fair Debt Collections Practices Act, 15 U.S.C. 1692e, et seq. Immediate Credit Recovery, XXXX XXXX XXXX, and The Department of Educations XXXX XXXX XXXX violated FDCPA 809 Validation of debts [ 15 USC 1692g ] ( b ) disputed debts. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this title may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. I disputed this debt on three different occasions by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & I have copies of the proof. I mailed in a request for hearing packet to dispute this debt & requested to be called over the phone for the hearing. I did not receive a phone call for the hearing. I only received letters in the mail from the debt collectors ignoring my dispute & evidence that I supplied for my only loans that I had through XXXX XXXX. When I asked the collection agencies to supply me with the information of the original creditor the customer service representative with Immediate Credit Recovery responded, " I dont know, during multiple phone conversations. These collections agencies then started to garnish my paycheck & tax refunds. The collection agencies have not been able to prove the validity of this debt. The only thing these collection agencies have is data of when I went to college, the year, the school, & the cost of what my tuition was at the time from the NSLDS website. They have not provided any evidence showing that additional money or tuition was disbursed to the college I attended from another loan provider. I however, was able to supply school account records, my student loan servicer Navient records, a copy of the check & debit card payments, that covered all of my tuition cost to the University XXXX XXXX. Also, I provided proof of bank records showing proof that my only student loans through XXXX were already paid in full. The collection agencies are still claiming I owe on a debt that I never signed for or agreed to. I contacted the local police & filed a police report for a copy of a master promissory note that I never signed for or agreed to. The collection agencies have not been able to prove the validity of this debt. The forged document from the collection agencies is for the William D. Ford Program. Exhibit D was to big to attach in my supporting document section. While Immediate Credit Recovery may say that there were phone conversations about this debt in question I never once said, that I agreed to this debt or that I owe on this debt. I asked as many questions as possible & had conversations with the agency about the debt in question. As I needed to make sure that I had as much information as possible to make sure that the next steps that I took were the correct steps in resolving this issue. A phone conversation between me & the collection agency about a fraudulent debt in my name with my social security number no way implies that I agree that this debt is valid or that I even owe on this debt.
03/27/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	OH 45140	Web
I needed to finance my home that i live in out of my sisters name because she's getting married and i need to get the home in my own name. I started working with a loan officer last year and paid to have someone help me fix things on my credit. The loan officer told me that i needed to get my student loans in good standings because with them in default in wouldn't qualify for any home loan having a student loan in default. So back in XX/XX/2018 I contacted immediate credit recovery to see what i needed to do to get my student loans in good standings so that i could be eligible to get my home loan. They told me that i could do a rehabilitation loan and after 9 months of consecutive payments then the loans would not be considered in default any longer and it would be shown in good standings and then i would be able to get my home loan because it wouldnt be considered a student loans in default. So i setup and sent in the documentation that they required and then every month they would send me a reminder that said the {$5.00} will come out this day. So my sister has given me the 9 months to get that in good standings so that i would be eligible to have the house in my name. The loan officer has all the paperwork that i needed to get in order to close on the house. One of the required Documents was a document from immediate credit recovery showing the account numbers and the rehabilitation amount. Well i called immediate credit recovery and told them what i needed, the first person that i talked to told me that the rehabilitation was only on 2 of my loans and the other 6 were not eligible. So i said no that must be a mistake, there would be no reason i told the lady to rehab 2 of my loans while the other 6 were still in default. That would still block me from getting a home loan and make absolutely no sense for me to have done that and have waited 9 months. She agreed and then said well i would have to listen to the phone call to determine if i was mislead to believe that it was for all of my loans and not just 2 of them. After a couple days of calling back she had finally listened to the original phone call and said that she apologized that i was not made aware that the rehabilitation was only for the 2 loans, she said that this was a mistake and i should have been told 2 were going to be out of default but i still had 6 loans also serviced by them that were going to be considered negative. Every month the {$5.00} letter i received would say total amount due at the top and would have like {$64000.00}. The lady said im not sure how i can make this right all i can offer you is a consolidation of all your loans at this point. I feel like they mislead me from the beginning and that should have been offered in the beginning, or should have even mentioned that it was only for a couple of the loans. So now my sister is going to have to sell the home that i have lived in for 5 years so that she can buy herself a new home. I have all the approvals for the home loan and was supposed to close on XX/XX/XXXX, but now having 6 student loans in default still i will not be able to get the home loan and will be put out of my home. So i tried to fill out the consolidation to see if there is any way that would help my situation after being mislead for 9 months, but they gave me the wrong amounts of the loans that i needed to consolidate and they gave me the wrong account numbers as well. So im not sure if in the beginning they included all the loans only to find out that 2 were eligible and just didnt tell me but the fact of the matter is they made a mistake either in the beggining or when i called 3 weeks ago for the account numbers of the loans, and then they realized that i had been told misleading incorrect information. In the end they can apologize and that still doesnt help me keep my home, someone needs to be held accountable and they should not be able to mislead anyone else into something that is not what was even asked for. They should not be able as a debt collector to not provide me with false or inaccurate information with no repercussions in the end. The lady from immediate credit that i spoke with said that she had reported the issue to whomever that may be, however that does not help me now.
09/20/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	IL 60620	Web
I have had a XXXX loan that I have disputed based on a default date of XXXX. I appealed this repeatedly in the past because I had documentation stating that my loan was deferred until XXXX. After being passed around to several agencies, I was told that my loan was repurchased by XXXX and in good standing, which turned out to be false. Although I fought this for years, I ended up paying off my XXXX and XXXX loans with no issues. The XXXX loans continued to haunt me. I'vetried resolving this for many years, but kept getting passed around to different agencies. I have never seen any offsets or garnishments applied to the loan balance since XXXX. Fast forward to XXXX XXXX, I found my loan information on XXXX and saw that my loan was with XXXX XXXX XXXX XXXX at the XXXX. I paid off the amount listed and sent it to the agency. One month later, I receive a letter stating that they had received the funds and forwarded it to XXXX. XXXX in XXXX and all future payments should be sent there. Two days later, I received a document stating " Congratulations! You have expressed an interest in the Rehabilitaion Program '' requesting my financial information. It had Immediate Credit Recovery at the top of the page. There is no identification of who they were representing, nor had I requested any service. I thought it was a fishing scam and ignored it. But when I called the XXXX, I found out that my loan was with Immediate Recovery and I still owed thousands on my loan! I was told that if I 'd contacted ICR prior to paying the loan, I would not owe anything nor would I have had to pay the full amount! I explained that I 'd never heard of/from this company but asked to be transferred to ICR to resolve my loan. Each representative that I spoke with at ICR told me that I should have contacted them first before paying because I could have negotiated a payoff lower than I sent. Again, I explained that I never heard of/from them. No contact whatsoever & XXXX XXXX was listed as the owner of my loan. They proceeded to tell me that I now must pay several thousand more to satisfy my loan. I asked why and they stated " because you already paid the balance. '' Confused, I asked why I would have to pay extra to satisfy the loan, especially since a negotiated payoff would have been less than I already paid? I was told again that because I already paid the loan, I was being penalized and that it could no longer be negotiated. I asked for a balance statement and was told that they could not give me XXXX since I planned to dispute the balance. I contacted the XXXX ( XXXX ) again requesting to dispute the remaining amount based on several factors. I sent my dispute & supporting documentation were delivered on XXXX XXXX ( USPS delivery confirmation receipt ). On XXXX, I called XXXX and was told it had not been received and that I should not send certified mail to a XXXX XXXX XXXX I was told to re-send the request by regular mail. I spoke with a supervisor to find out if there was a delay or backlog in the mailroom or any way to check. She offered no solution, cut me off and said the loan was old. I requested a payment history and was told to write to the same address that I have been requesting this info from for years at XXXX XXXX XXXX Texas, the same XXXX that says they 've never received my correspondence ; the same XXXX that never responds to my written requests. I was also told by this supervisor that my loans went into default on XXXX/XXXX/XXXX not XXXX ( when I started getting collection calls & letters ), not XXXX, XXXX or XXXX ( as listed on nslds.gov )! I have been financially penalized since XXXX and counting! I have lost more than employment and educational opportunities because of these inconsistencies and disregard for a true resolution.
04/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10463	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Immediate Credit Recovery, INC XXXX. XXXX XXXX XXXX XXXX, NY XXXX Re : Account No # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any credit reports by your company or the company that you represent. I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, When in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX ) request shall be sent to immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me Must be done in writing and sent to the address noted in this letter by USPS. If would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX
10/04/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account in dispute belongs to me and the information is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed account and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT validated at all. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights. Again, As per FTC opinion letter from Attorney XXXXXXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. What you have provided as validation is a print out. Not only is it a printout, but it has no letter head. This was itemized statement was printed out on plain printing paper form a XXXX Document and I am sure any Judge worth the bench he or she sits on will agree. I am demanding a contract between XXXX XXXX XXXX, XXXX. I have never contracted with you, I have never provided you my social security number, and I have never provided you my name or any of my personal information in order to contract with Immediate Credit Recovery. Your company is in violation simply because you refuse to validate with a contract between Immediate Credit Recovery and myself. Furthermore The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. " Subrogation '' means to substitute. " Does not exist '' means is not allowed. " Stranger to the transaction '' means someone or some entity not on the original contract. This includes attempts to collect based on assignment, sale/purchase, or trade. The collector can not substitute himself to collect money because he believes he was assigned the task or he purchased the bad debt, or traded some bad debt for a different bad debt. I have never agreed to do business with your company - XXXX XXXX XXXX , XXXX-, your company is not mentioned on any contract I 've ever signed with anyone and I demand full validation, meaning a contract between you ( XXXX XXXX XXXX, XXXX ) and me with my true wet ink signature on it! The selling and buying of my personal information constitutes fraud, and for that I will gladly sue XXXX XXXX XXXX , XXXX.
06/07/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	MN 55106	Web
On XX/XX/XXXX I noticed that my paycheck was short {$220.00}. After speaking with my HR dept. I realized that I was being garnished for my student loans. I called my student loan servicer, the US Department of Education. They told me that since I was in default they transferred my accounts to a debt collect called Immediate Credit Recovery , Inc. So I contacted Immediate Credit Recovery. A represented answered and as soon as I mentioned that I was being garnished I was placed on hold and blind transferred to their garnishments department. No one answered so I had to leave a voice message that went to a general mail box. When no one returned my call I called them again the next day. The next day XX/XX/XXXX I spent my entire lunch hour and even ended going over by 45 minutes trying to get someone to discuss the situation with me. To make a long story short I called 4 different times. Each time the rep that answered would just transfer me directly to the garnishment department and no one in garnishments ever answered. By this time I was extremely upset and I called my original servicer, the US Department of Education. I asked to speak with a manager and I made a complaint letting them know that their sub-servicer Immediate Credit Recovery , Inc. was not returning calls and that no one in the garnishment department was available. on XX/XX/XXXX after many more days of trying to get through I begged one of the reps to walk over to the garnishment department to see if they could get someone to talk to me. That worked. I spoke with a woman in the garnishment department who was pleasant and told me about the loan rehabilitation program. She told me that she would email the info I needed to get started and that I needed to set up the initial payment over the phone with her. I told her that I would call her back with the debit card info later that day and that I would wait for her email. I never received her email and I was never able to get a hold of anyone in the garnishment department ever again and it has been several months. The garnishment rep told me that the 1st date of my rehabilitation plan would start on XX/XX/XXXX. And that I needed to make sure that I got my 1st payment in on that date. ( Mind you the whole time I am still being garnished a total of {$430.00} per month. ) But I digress. So on XX/XX/XXXX I attempted to reach Immediate Credit Recovery, Inc. for hours while NO ONE answered at all. I decided to call my original servicer again to complain. My original servicer ended up having to take the payment from me. Today is XX/XX/XXXX and I am still being garnished and Immediate Credit Recovery , Inc. is still not returning the voicemails that I leave on a daily basis. The one and only lady I spoke with in the garnishment department told me they are not allowed to call me, that I need to call them only. But yet their voice mail states that someone will get back to me and no one ever does. Plus the customer service reps state that they can not give me any information about my account because my account is with the " garnishment '' department. PLEASE HELP. I am a brand new single mother to a XXXX XXXX XXXX XXXX XXXX who 's not getting child support. I can not afford for {$220.00} to be taken out of my check on a bi- weekly basis.
11/15/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	CA 93291	Web
XXXX XXXX XXXX assumed my student loan. In XXXX they contacted me stating that my loan was in default and no longer on deferment and I had a balance of {$10000.00}. They stated I could not make payment arrangements and had to pay it in full because it was in default. They suggested that I take out a personal loan or borrow from a family member to pay it. I couldnt do anything like that so I was at a loss. They submitted a garnishment order to my employer that I had just started working for and never provided a 30 day notice on XX/XX/XXXX. I got the notice from my employer a week before garnishments were to start. The order stated that I owed {$10000.00} and I was going to be garnished for {$16000.00} ( added fees ) until it was paid. I was then contacted in XXXX by XXXX XXXX stating that I could reduce my debt if I made additional monthly payments of {$5.00}. If I made these payments for 12 months then they would remove the collection fees and consolidate the 3 loans I had so that the debt would pay down faster. Additional payments started XX/XX/XXXX. I was not aware how much had been paid out in garnishments yet. XX/XX/XXXX my employer was sent a garnishment cancellation notice. I was contacted shortly after stating that my has been paid and that my employer was notified to discontinue garnishments.They stated they would forward the information to the department of education and they will contact and provide me with my release. The last payment was XX/XX/XXXX. They continued to automatically deduct the {$5.00} additional payments though until XX/XX/XXXX. I was contacted 2 months later stating they were calling in regard to my student to set up payment arrangement for the remaining {$3000.00} balance. I stated my loan was paid, they said this is what they got from the servicer, after a back and forth they told me to make {$50.00} payments to keep it out of default while they figured out what was going on. called every month to check the status and they said that I did a loan recovery agreement to get out of default. I told them no I didnt sign anything for that it was out default because it was paid off. The recovery agreement is where you pay 9 additional payments during the garnishment for 10 consecutive months. If that is successful your garnishments will stop and they will take your loan out of default and set up a payment plan. I made additional payments from XX/XX/XXXX to XX/XX/XXXX. Thats 16 months not 10. Also I payed through garnishment and additional payments a total of {$17000.00}. Thats {$1000.00} more than the garnishment order. They also never consolidated the 3 loans. I refused to keep paying and now the {$3000.00} is in default. Immediate Credit recovery has now submitted garnishment. I just found out. I never got a 30 day notice. When I called to tell them I dont owe this they stated that I submitted a no contact order so they couldnt send me notice and cant talk to me about it. I never contacted them and thats not even legal for them to do. Im entitled to a hearing to stop the garnishment from happening thats why Im suppose to be given notice. Ive been trying to clear this up for years and they finally in XXXX XXXX XXXX XXXX sent me my payment history after stating they didnt have that information.
03/17/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	OH 446XX	Web
To Whom This May Concern, My tax return was taken and given to the department of education without prior. One rep said then sent it to my current address, one said that they sent it to past address. I never got the notification to set up a payment plan or else I would have! I am in significant economic hardship and about to be homeless with my XXXX kids .... but because my mother will not file a court order eviction they will not let me process the form to get my income tax reimbursed. From XXXX to XXXX I was in an XXXX marriage and kept isolated by my former husband, suffering greatly until I had to emergently evacuate the state of XXXX XX/XX/XXXX due to XXXX XXXX by my ex-husband and fear of bodily harm for myself and my children. In this move I lost everything including most personal belongings, household belongings ( washer/dryer/bed/dressers/refrigerator, etc ), and home. I was forced to temporarily move into my mothers house with my XXXX children and stay with a friend on weekends/holidays to decrease stress and burden on them, until we could afford to find a house to live in. In addition, defaulted on my mortgage in XXXX which was finalized XX/XX/XXXX. The XXXX XXXX caused significant XXXX XXXX XXXX XXXX for myself and XXXX out of the XXXX children, symptoms ranging from XXXX XXXX and XXXX of XXXX, XXXX XXXX and XXXX, difficulty with XXXX at home and work, XXXX XXXX, and XXXX XXXX, making staying current on paperwork and necessary documents very difficult let alone trying to work and take care of XXXX children ( XXXX with XXXX XXXX, one having XXXX XXXX ). Since being back in XXXX for the past 8 months I have fought the harassment and menacing from the ex-husband requiring police investigation, police reports ( Case # XXXX ), and after a long exhausting process of being awarded a protection order by the XXXX County Court of Common Pleas ( Case # XXXX ). Being a XXXX XXXX survivor, single mother of XXXX without child support, and having XXXX XXXX requiring XXXX XXXX, multiple appointment and XXXX XXXX, and low income has caused a huge financial strain. We currently receive food assistance ( receiving around {$250.00} in Snap benefits requiring me to pay over {$800.00} out of pocket expense for food to provide food for myself and children ) and Medicaid through XXXX County Jobs and Family Services, has left me unable to afford the cost of living and permanent/stable housing which is greatly needed. Having my income tax return taken and paid to past student loans has left us with a significant financial burden, I was depending on that money to afford living expenses and necessities for raising XXXX children on a low income. I have followed the recommendations of setting up a payment plan of {$5.00} per month through ICR ( Immediate Credit Recovery , Inc ) based on my income and expenses and have been current on this. I will continue these automatic monthly payments. I am requesting that you see how the financial strain affects myself and my children and hinders the ability to afford housing and bills, pay for XXXX XXXX for myself and children that are not covered by government assistance, that are necessary to live and require the reimbursement of my income tax return in order to do so.
08/27/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TN 38002	Web
XX/XX/XXXX I received a letter from my employer XXXX in XXXX, TN that I had an order for a wage garnishment for an unpaid student loan. I received a letter from the U.S. Department of Education that I owed in full payments on student loans for the University of XXXX. The only student loans that I had with the University of XXXX had already been paid off in full as of XXXX. XXXX XXXX XXXX Federal Direct Loans was the program and my loan servicer was XXXX as listed on the .gov chart website for the Federal Direct Loan student loans servicers. I have provided bank records, payments made to XXXX, my account information with XXXX & the University of XXXX school records matching my payment records from XXXX. In addition to the master promissory note with XXXX XXXX XXXX Federal Direct Loans & XXXX promissory notes that the loan servicer required. The U.S. Department of Education is refusing to accept my proof that the only loans I had were through XXXX & they are refusing to accept that my loans were paid in full. They stated that I never had loans serviced with Navient even after I provided hard evidence and records from XXXX showing my student loan account history with XXXX and the school the loans were with which was the University of XXXX. The U. S. Department of Education is fighting against me saying that XXXX is not a Federal loan servicer for the XXXX XXXX XXXX program, but it clearly states that XXXX is on the .gov website. On the government free website under the loan servicer chart Navient is listed as a loan servicer. My student loans through XXXX were paid in full as of XXXX. The U.S. Department of Education then stated in a letter that my loans were transferred XX/XX/XXXX to Federal Loan Servicing the same year I finished paying the exact same loans off in full to XXXX. In order for my loans or loan information to have been transferred to XXXX XXXX database it had to come from somewhere. That somewhere originally being XXXX. The U.S. Department of Education is currently taking money out of my paycheck through wage garnishment and taking all of my tax refund money to pay towards loans that have already been paid in full. When my personal student loan information was transferred from XXXX to XXXX XXXX apparently none of the payments that were made are even being credited because again they want to state that these loans arent the same as my XXXX student loans. The only student loans and documentation of loans I had with the University of XXXX was with the servicer XXXX. I feel like I am being taken advantage of and definitely abused by the federal government. Please help. I have mailed in more than enough proof that my only loans were with XXXX and that those loans were connected with the University of XXXX. The US Department of Education has provided no evidence to prove me wrong. The U.S Department of Education doesnt even understand the websites literature on who their loan servicers are according to their statements.
01/10/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	XXXXX	Web	Older American
Contacted for the first time in XXXX XXXX about a loan from XXXX 's that supposed remained unpaid. Live in XXXX. Wrote an XXXX chq as XXXX draft not possible ( too old fashioned ) and explained problem in letter. Chq returned and XXXX draft requested. Started to question paperwork and asked for proof of debt and method of payment other than XXXX draft. Only received unsigned form letter answering questions I did not ask and escalating the debt amount. Thought it was a scam due to time lag in invoicing, clock not stopped when validation of debt requested, debt not validated, no alternative payment method offered, IRC website says they are XXXX XXXX but actual XXXX XXXX site says they are not, lack of contact information on correspondence ie return address, no names or signatures, slow mailing to XXXX ( about a month ). I have copies of all correspondence including registered post and fax transmissions to XXXX. Complaint to XXXX ombudsman XXXX XXXX XXXX, no receipt acknowledged and followed up 5 times. XXXX XXXX letter received and email from XXXX XXXX Escalated Issues advising complaint to be lodged with FSA Feedback System and copy of a loan document provided. Issue lodged with XXXX Feedback System XXXX XXXX XXXX ( XXXX date XXXX XXXX XXXX. Information package from XXXX Feedback System received XXXX XXXX XXXX dated XXXX XXXX XXXX again unsigned, no contact information and no name. Claims much of my correspondence unable to be found ... ..and that even though I ca n't remember the loan does n't mean I am not responsible. However I finally received documentation about the loans but no explanation as to why it took so long to invoice me in XXXX as I have held a XXXX passport since XXXX and drawn XXXX Social Security since XXXX. The package also contains reference materials to an erroneous loan at XXXX XXXX XXXX in XXXX. A place I was never at. I was living in XXXX in XXXX. The only institution I ever attended was XXXX. Again it said to contact Immediate Recovery Inc to arrange payment so we are back to the spinning wheel again. XXXX provided no payment method and IRC have not answered my emails this week. I believe at the very least the interest should have ceased in XXXX XXXX, anything related to XXXX is not me and if they can not provide a swift code for direct deposit or credit card facility to clear the XXXX debt then Social Security is the only option. The debit is supposedly {$2100.00} as at XXXX XXXX XXXX. I hope you can help. Otherwise I will have to go back to the XXXX Ombudsman or just wait for the Social Security option as there appears to be gross incompetence or a scam going on. Note : I ca n't talk on the phone due to XXXX ( service related ) and the time difference between XXXX and XXXX also adds to the difficulty.
10/05/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I never signed a contract or agreement with the Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX can not collect any amount of money that is not permitted by law or by agreement. " The Fair Debt Collection Practices Act states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. Whereas no relationship exists between Immediate Credit Recovery XXXX XXXX and me, and whereas I never signed a contract or agreement with Immediate Credit Recovery XXXX XXXX, I cite Lack of Privity. Just because an assignment clause exists in a credit agreement does not mean that it is sufficient to create a new obligation with the Immediate Credit Recovery XXXX XXXX. The assignment clause merely takes away the rights of XXXX XXXX College to collect if they decide to assign it to another company, in this case Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX would then have to offer me a new contract, I would have to agree to its terms, and I would finally have to sign this new contract. If I have not signed a contract with Immediate Credit Recovery XXXX XXXX, I owe them nothing. I know my rights, and I am fully prepared to exercise them. You have already admitted in writing that you do not have a contract with me. Therefore, you have no proof that you have ever provided any services to me. There was no meeting of the minds, a necessary element of a valid contract, no contract exists. Since there was no meeting of the minds between me and Immediate Credit Recovery XXXX XXXX, which is a necessary element required to create a legal and binding contract between the two of us, your claim is repudiated. So once again, I request the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims that have been made by any creditor regarding this account. 4. Verification that this debt was assigned or sold to collector. 5. Commissions for debt collector of collection efforts that is successful. 6. Proof that Immediate Credit Recovery Incorporated is bonded/licensed to collect in Texas. Immediate Credit Recovery INC continues to ignore my requests for information. I am making careful note of our communications. Please provide the requested information. If you can not provide the requested information and you follow suit with bothering my credit report. I will file suit against your company!
05/10/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	OH 43206	Web
I received a Notice of Proposed Wage Garnishment dated XXXX XXXX, 2016. The letter indicates that I have 30 days to request hearing and/or agree to a voluntary payment arrangement equal to XXXX % of my " disposable income ''. In an effort to avoid garnishment on XX/XX/XXXX, I contacted Immediate Credit Recovery, the current servicer of the loan. I spoke with an agent, XXXX at extension XXXX. Initially I was advised that my loan did not qualify for rehabilitation. I inquired why I was eligible two months prior but not eligible now, she double checked and determined that the loan was eligible for rehabilitation. She proceeded to capture financial information ( gross pay less taxes, insurance and expenses ) and calculated a potential monthly payment amount, contingent on confirmation of the financial information provided. The proposed plan amount {$920.00}, my calculated disposable income is $ XXXX/month. I was also provided an option to settle the balance for approx. $ XXXX however am unable to settle the balance. On XX/XX/XXXX I reached out to XXXX to confirm how the proposed rehab/plan amount was calculated, she indicated that it is based on XXXX % of my AGI. She also indicated that there was another repayment plan which takes expenses into account, she referred to this as a " reasonable and affordable calculator '' however again, is not based on XXXX % of my disposable income as indicated in the letter. I asked XXXX to clarify that the option which was written in the letter, 15 % of disposable income, is not an option for repayment - she confirmed. On XXXX/XXXX/2016, I called the Dept. of Ed and spoke with someone in customer service who referred me back to Immediate Credit Recovery, Special Assistance Unit, explaining my concerns and requesting a call back. I called again on XXXX/XXXX/2016 and left message. To date, I have not received a response to either message and indicated in both that I am attempting to respond timely to avoid garnishment as indicated in the letter, action is required by XXXX. My concern is that the letter is clear, I have an option to avoid garnishment and by agreeing to repay XXXX % of my disposable income. I wish to repay XXXX % of my disposable income however Immediate Credit Recovery is not providing this as an option and is non-responsive to escalated calls. Either the US Department of Education has provided false, misleading or deceptive information in the letter dated XXXX XXXX or Immediate Credit Recovery is unwilling to honor the option written in the same communication to pursue wage garnishment which is abusive and/or deceptive.
07/02/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	FL 33312	Web
After several disputes finally received letter from XXXX XXXX without definition clear and lawful definition of payment in dissatisfaction. Disputed liability of alleged obligations as 15 U.S. Code 1692a3 natural consumer and 15 U.S. Code 1692a ( 4 ) original creditor having extended my 12 CFR 1002.2 ( j ) credit via 15 USC 1602 ( l ) social security 12 CFR 1002.2 ( a ) account number compelled against 42 U.S.C. 408a8 and Public law 93-579. ssn belongs to the SSA and anything obtained with the identifier number is a obligation of the United States 18 U.S.C. 8, UCC 9-307 ( h ). Anyone attempting to collect a debt from me obstructing commerce and in violation of The False Claims Act ( FCA ), 31 U.S.C. 3729 - 3733. XXXX XXXX, Department of Education, XXXX XXXX has 18 U.S.C. 241 ; 242 conspired to deprived me my right to credit and denied me satisfaction and accord of obligations per 18 U.S.C. 8 obligation of the United States, for satisfaction and accord and per 15 U.S.C. 1 illegal restraint of trade debt collectors refused to restore credit to good standing and has impaired my right to open-end credit. Art. 1 Sec. 10, No State shall enter into any Treaty, Alliance, or Confederation shall make any Thing but gold and silver Coin a Tender in Payment of Debts ... All parties have said they will accept anything except lawful money, gold and silver for payment of debts, and all have neglected via 15 U.S. Code 1692e. false or misleading representations their fiduciary duty in the acts of Misfeasance, nonfeasance and malfeasance to settle the obligations for full acquittance and discharge without liability per 50 USC 4305b2 and has restraint my right of trade and is in breach of trust per 15 U.S.C. 1 whereby alleged obligations are rendered an obligation of the United States as per the supremacy clause- any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. I have disputed obligations several times with credit reporting bureaus, Experian, Equifax and Transunion who has conspired also to invalidate title 18 U.S.C. 8 obligation of the United States and hold my person liable for the obligations. My credit has been discriminated and I have been impaired from getting a home. This injury has been nerve wrecking and emotionally distressing without remedy. As original creditor/grantor/lessor of personal data, I reserve all rights to proceeds, titles, interest where my personal data valued at XXXX XXXX per entity, per year for misuse and negligence to settle obligations.
01/22/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	WA 98112	Web
Re : School loan Account # XXXX I am writing to ask your help in resolving my efforts to pay off my son 's school loan. Please note that I am not an account holder or co-signer. He has given me his written permission to negotiate on his behalf with the Department of Education, Immediate Credit Recovery Inc. ( the collection agency ) and any other interested party. My attorney advised me that, by statute, a payment of 90 % of the amount then due would satisfy the loan and end the garnishment. He also advised me to seek help myself before employing him to act for me. I have tried to do this. My son has had no written updates from anyone concerning his loan since XX/XX/XXXX, when it had mounted from the original {$38000.00} to {$64000.00}. Since XXXX his wages have been garnished and income tax return seized. On XX/XX/XXXX, I sent 90 % of the XXXX figure to the Department of Education as instructed, asking whether that, plus the garnishment and tax return, was adequate to satisfy the loan. My check for {$57000.00} promptly cleared my bank on XX/XX/XXXX. Success? However, I heard not a peep from the DOE or its collection agency. Garnishment continued. As of XX/XX/XXXX, {$5500.00} had been taken from his earnings. I believe the tax return was small, but don't know the amount. When I first spoke to Immediate Credit Recovery Inc., I was instructed to fax my son 's permission before they could speak to me. I don't have a fax, and they refused to accept an email with attached photo. I tried calling the Department of Education. It required all my persistence just to get the correct phone number, and then I was greeted with an insurmountable phone tree. The tree did tell me that as of XX/XX/XXXX he owed {$68000.00}. ( What about my XXXX check? What about his garnishment and tax returns? ) On XX/XX/XXXX, I sent appeals to both the DOE and ICR for correction, and included XXXX XXXX permission and documentation. I also faxed this mailing to ICR. To date I have had no written response. I do not want to speak to either of these agencies. I believe we have overpaid, and I want a documented calculation showing my XXXX payment and all garnishment and other confiscation, and removal of any interest or penalties added since XXXX. I am attaching my letters and can provide other documentation as required. Thank you for any help you can give us.
09/29/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NY 10030	Web
I had a student loan that went into collection with Immediate Credit Recovery twenty or more years ago. The original loan amount was {$10000.00} and the interest rate 10 %. I set up automatic payments of {$250.00} a month that were deducted twice a month for at least ten of these years. I believe it was XX/XX/XXXX when they disclosed to me they could no longer make automatic deductions, so they began calling me to authorize payment. The original servicer was extremely rude and nasty and I had to speak to a supervisor in order to get someone humane. I also reduced my payments to once monthly, or {$120.00}. In XX/XX/XXXX I asked to settle the account for {$5000.00}. I was told that amount would never be authorized and I needed to make a payment of at least {$6200.00} to reflect 50 % of the remaining balance ( {$12000.00} on a {$10000.00} loan ). I called the school directly ( XXXX University ) and after several back and forth conversations between ICR, XXXX and myself the school authorized {$5000.00}. By this time however I had discovered that my payments to ICR had reached nearly {$30000.00} -- three times the amount borrowed. ICR could not explain to me why on-going payments were needed or even a lump sum to pay off the loan. In addition the school agreed that a 10 % interest rate on a student loan was now considered exorbitant ; however the school only communicated with me through ICR, which told me the offer to settle would expire within three business days. I called the CFPB three times for advice on whether or not to settle the account but was told there was no representative who could listen to my situation and guide me, and that I could only file a complaint. I did not want the collection agency to make my life any harder so I made the payment. After the payment was made, the servicer called to ask me to put in writing that i authorized each and every payment made on the account, which is in fact untrue. This is evidenced by the fact that i immediately cut my monthly payments in half when i was contacted by a live representative in XX/XX/XXXX. At this point I decided to make a complaint.
06/29/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 76053	Web
I XXXX XXXX have attempted to resolve my defaulted student loans, however, Immediate credit recovery is refusing to process my XXXX paperwork based on me being unable to supply my wife 's income information. I spoke to them in regards to this matter onXX/XX/XXXX( previously as well, sent Rehab docs back inXX/XX/XXXX but never heard back and confirmed onXX/XX/XXXX they were calling an old number ; the paperwork emailed to them had all my correct information on it though ). They are currently garnishing my wages, I have provided them my financial disclosure and 2 pay stubs, for myself, as they have asked. ICR is still seeking to obtain my wife 's income but we file separately on our taxes ( have been and will continue to do ) and she refuses to furnish any income docs as we keep bills/income separate due to her not wanting to be a part of my personal debts acquired prior to our marriage ). I do not have access to her paystubs as she can only access those via online with her secured log ins ; which she is refusing to furnish. My understanding of all the department of eds programs are that because we file separate and she is unwilling to provide me the information, I will be treated as separate. Please review this matter and assist me with the Rehab as I can not afford the garnishment and would like to rectify that by entering into a Rehabilitation with the collection agency. Originally I had attempted to consolidate out of default inXX/XX/XXXX, that was denied once ICR placed a garnishment 3 weeks after the application was submitted. the garnishment originally should not have taken place as the loans were being paid via consolidation prior to a garnishment ( my feeling is that the XXXX was denied and the garnishment was placed once ICR received notice of the intent to consolidate ; which is unethical and illegal practice ). Please help me resolve these matters as this is causing undo stress and hardship on myself and children.
02/01/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	OH 43206	Web
On or around XX/XX/XXXX I received a call from Immediate Credit Recovery advising that they were initiating wage garnishment and recently mailed a letter to my home address ; I advised the agent that I was willing to make voluntary payments to avoid garnishment and ask the agent what address the letter was mailed to as the letter was not received. She confirmed the letter was mailed to my home address, when I ask if she could resend ( so I can understand the letter content and what options, if any are available to me ) she indicated that XXXX had fulfilled their obligation by mailing it and that they are not responsible for USPS. The agent proceeded to collect personal and financial information - after approx. 20 minutes on the call I had to leave, as I was at work. The agent indicated that her office hours were M-F, XXXXEDT ( which are the same as mine ). I request the agent provide her contact information ( XXXX ) and callback at XXXX to finish the call - I did not receive a callback, nor was I able to reach the agent when I attempted to return the call. I have since made multiple attempts between XXXX and XXXX and also leaving voicemails for the agent. If my recollection of my conversation in XX/XX/XXXX is that I have 30 days to take action - I am unable to take action without the letter and if my voicemails have not been returned. I am not disputing the debt however I find it frustrating that I continue to have issues with this agency - in a prior complaint the agent the agent erroneously advised that voluntary payments were not an option, since this complaint ( to my knowledge ) there have been no additional attempts to contact me by phone or in writing. I understand that my loan is defaulted, I am willing to pay however it seems unfair to impose deadlines when I am at the mercy of the agent answering the phone/responding or at the mercy of the USPS.
05/04/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX XXXXX	Web
In XXXX 2017 I applied to have all my student loans consolidated and was notified that XXXX of my loans were about to default and I needed to fill out a for to add the XXXX borderline defaulted loans to my consolidation, which I did. In the process of waiting for the consolidation to be finalized and the XXXX loans added into the consolidation, I am told the XXXX loans defaulted and went into collection but I was also told that it was within the 180 day rule and that I could still have the XXXX loans consolidated. Meanwhile, without any prior notification or packet, which the XXXX XXXX XXXX center and the Department of Ed representative told me I was entitled to in order to prevent wage garnishment, but that did not happen an d on XXXX XXXX , 2017 my payroll was garnish for $ XXXX without any warnings or prior notice, my address has not changed and I am receiving mail at my XXXX XXXX XXXX . The amount of the defaulted loan is a little of {$2000.00} and I am being garnished for $ XXXX and told the only way out is to pay in full up front or have the Department of Education send a Stop Notice. When I contact XXXX XXXX , I 'm told I must get the Debt Collection Company to agree to release the garnishment to have them added into the consolidation and the Debt Collection company, Immediate Credit Recovery tells me that it is no such action, once in garnishment always in garnishment until paid off or enter into a rehabilitation program which is additional monies on top of the garnishment, which has already put me in a financial hardship and no way out ... XXXX Can someone tell me which information that I was given is correct and the steps to take in order for me not to be destitute?
03/20/2019	Yes	Debt collection Federal student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77389	Web	Older American
I took out student loans totaling {$19000.00}. At the end of school in XXXX, I started paying on my 15 year loan. I paid for 7 years. When it came to my attention that the balance was not going down any longer ( around XXXX ), I contacted XXXX XXXX. I was told I had refinanced my loan into an Interest-Only Loan. I DID NOT do that so I asked for paperwork to show me when I asked for this and show me my signature. It never arrived. I stopped paying on the loan until it could get this resolved. These communications went on over the years and the loan went into default in XXXX. In XXXX, it came to my attention that I had an entry on my credit report in the range of {$90000.00}. After going back and forth again, I finally made a Complaint with this agency, the CFPB ( I think around XXXX ). The entry was removed from my credit file. Later, I received more communication in the mail. I sent two certified packages ( with 32 or 33 pages each ) to the address provided. When I followed up by phone, they would say they never received the package. Nothing became of it and I did not hear from them any longer. Now, they have send a Wage Garnishment to my employer. When I called my Payroll Dept, I was told this was from the Dept of Education. I asked for copies ( I will send to you ) and they are not the Dept of Education - they are a collection agent posing as the Dept of Education. It is a different collection agent than before. I did not have a student loan even close to {$90000.00}. Is a Collection Agent allowed to collect " late fees '' and garnish my wages? Are they allowed to pose as the Dept of Education when they are not? I can be reached at any time at XXXX. Thank you for your assistance in the matter.
07/14/2021	Yes	Debt collection Federal student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 90815	Web
My name is XXXX XXXX I am reaching out to the Dept. of Education and Immediate Credit Recovery. Account # XXXX I have written all 3 credit bureaus and Immediate Credit Recovery about placing my student long account in forbearance or deferment because of the Covid-19. Everyone else in the United States and my friends all their student loans were place in forbearance or deferred but mind is still reporting as Charge Off and my credit scores with no job. I can not get a place to stay because I am not working and my credit because of these student long reporting as Charge Off is ruining my life. I am asking and pleading the Dept. of Education and Immediate Credit Recovery who I didn't even know had my student loan in collection. I never received a letter until XX/XX/2021 after I wrote to the credit bureaus and Dept. of Education. I talk to my Attorney General 's Office they told me to write this letter to CFPB asking both the Dept. of Education and Immediate Credit Recovery to place my student loan in deferment or forbearance. Until I can get a job and place to stay. Also, my Attorney General 's Office said that Immediate Credit Recovery can not collect in the state of California because it is not license or have a registered agent. They are validating Federal and State laws along with FCRA Sec. 605 ( c ) and FDCPA Sec. 807 ( 8 ) & Sec. 805 ( c ). As a consumer I am suppose to be afforded protection under these laws. This causing me not be credit worth of any new credit or to get a place to live. I highly appreciate that you can assist in either removing this off my credit or update as current.
07/06/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OH XXXXX	Web
ICR, Immediate Credit Recovery garnished my husband 's wages for {$320.00} each pay period ( every two weeks ) without proper notification. I was not aware of any money owed until I received paperwork for the garnishment from my employer until 8 days prior to the funds being deducted from my pay. The amount being deducted has adversely affected my family and my credit, I can not meet my basic living needs and I have XXXX XXXX children at home. Both are in need of summer clothing to fit them, and we have a combined school expense of {$800.00} that was due XXXX XXXX, and we ca n't afford to pay it. I have had utilities turned off, not able to pay for groceries and media actions needed because we have an {$11000.00} deductible. We are incurring late fees on our financial obligations and never had the opportunity to dispute or set up affordable payments. I need help ASAP as ICR has failed to respond to faxes, email, and phone calls. When I call I press option 3, them get a recording and disconnected. I requested a hearing on XXXX XXXX and was told they were wating for a response as to the date of the hearing only to find out 6 weeks later ( XXXX ) that they never sent it so we wait another 30-60 days for a hearing date while they continue to take money from my husband 's pay. We do not qualify for any type of assistance because they look at gross income, they do n't take the garnishment in to consideration. This company had contradicted themselves and made it impossible for us to meet our basic needs.
02/05/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	IL 60620	Web
I received a notification of a possible offset last year around XXXX from the United States Department of Education. I immediately contacted Immediate Credit Recovery to setup the payment plan. I called the United States Department of Education again to confirm there would NOT be an offset on my taxes. The representative indeed confirmed since there was a payment plan setup that I would be just fine and there would not be an offset. I made my first payment of {$25.00} on XX/XX/XXXX via checking account and it has been coming out consistently and on time every 2 weeks. I happen to call the Treasury Offset line on XX/XX/XXXX to see if anyone requested my refund and guess what! The United States Department of Education requested my refund. I called them and waited over 2 hours and spoke with XXXX. He agreed that Immediate Credit Recovery indeed messed up with the payment plan by starting, stopping and restarting again. A while back they also submitted a wage garnishment for me when I NEVER received the notification because they had the incorrect address. I called Immediate Credit Recovery today and spoke with XXXX XXXX who agreed they made a mistake, but she did not seem knowledgeable enough to assist with my issue. I requested a manager by the name of XXXX XXXX ( garnishment manager ) and she assured me she would send " up '' a complaint to the compliance division and then they would forward it to the Department of Education. She stated there is no exact time frame they could give. I am frustrated!
04/11/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	WV 26505	Web
On XX/XX/2020, XXXX XXXX XXXX, XXXX, Administrative Remedy Demand No. XXXX, Notice by Written Communication was mailed to alleged Debt Collector via United States Registered Mail # XXXX XXXX. in response to notices dated XX/XX/2020, XX/XX/2020, XX/XX/2020 requesting validation of any alleged debt and was not a request for a copy of any invoice, statement, bill, agreement, alleged agreement, contract, alleged contract, and the like, nor was it a request for a copy of any notification of assignment, negotiation/transfer of rights, nor was it a request for a copy of any other un-verified document/presentment referencing said alleged debt. The request for validation of any alleged debt is a request for bona fide verification of any alleged debt. In accordance with law, only duly sworn/ affirmed affidavits, oaths, and depositions qualify as a verification of the lawful existence of a bona fide debt. Absent such verification validating the alleged debt, and absent proof of a claim greater than that of Secured Party alleged Debt Collector " fails to state a claim upon which relief can be granted ''. Wherefore, in accordance with the Fair Debt Collection Practices Act, effective immediately upon alleged Debt Collector 's receipt of the " Notice by Written Communication, alleged Debt Collector must cease all collection/prosecution efforts against alleged debtor, Secured Party, and Secured Party 's secured private property.
10/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30339	Web
Since XXXX I have been trying to settle a debt that the college says I owe. There was a glitch in THEIR system ( I have emails of them admitting error to the errors ). They issued my my student refund before settling my book store account, which came to about {$1200.00}. The college refused to give me my transcripts. I have since had a no asset bankruptcy discharged ( XXXX ) and this debt was listed and discharged as well. They also sold this debt to a collection agency, a couple of months after being notified of the filing and discharge. The same collection agency states that they did see that this debt was included in the bankruptcy and sent a request to the university that I be given my transcripts. However, the college is still requesting the balance from me before I receive my transcripts. It is ILLEGAL to attempt to collect on a debt that was discharged in a bankruptcy proceeding. The college attempted to tell me that the debt could not be discharged because I took out a student loan. However my student loan provider is in the process of discharging this loan due to the negligence and mishandling of student loan funds by the college in my case. The fact that I am unable to pursue a higher education ( which the same colleges should want ) at another university due to this college negligence is causing me a great deal of mental and emotional distress.
01/17/2018	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	PA 180XX	Web
I have a federal student loan that is in default and placed with Immediate Credit Recovery as a private collection agency. It appears they try to contact me and do not leave voicemails. I have discovered, through my own investigation, my defaulted loan is scheduled for treasury offset with my 2018 tax return. I have been trying to contact the correct Department for loan services in regards to consolidation or rehabilitation/ whatever other options may be available however every time I contact the business I am rushed to be transferred and once I am I am told to leave a voicemail to a mailbox that is full and will not accept a message. I have tried contacting other departments of the business to see if they have a way of contacting the department to find out what is going on but everyone is rude and of no help saying they are totally unaffiliated with that department which I do not exactly understand if this is all the same business. I have tried to contact the US Department of Education directly for the issue and they have also submitted a complaint to the collecting company but they are unable to help me. I am trying to do the right thing by getting in touch with these people to correct my debt and they have made it extremely difficult and frustrating. I do not know where else to turn besides possibly seeking advice from a lawyer at this point.
09/16/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76227	Web
Pursuant to Chapter XXXX Adversary Case No. XXXX filed in the XXXX XXXX of Texas, the student loan debt for the US Dept of Education against XXXX XXXX was administratively discharged due to his total and permanent XXXX. As such a Motion to Dismiss was filed on XX/XX/XXXX against the US Dept of Education in the Adversary Case. The Motion declares the student loans discharged and enjoins enforcement of the discharged educational loans. The Motion was approved and an Order of Discharge was filed on XX/XX/XXXX. XXXX and I ( XXXX ) jointly filed our XX/XX/XXXX income taxes in XX/XX/XXXX, but have not receive the anticipated refund of {$8500.00}. We contacted the IRS to inquire as to the status of our refund and were advised that the U.S. Dept of Education had offset the refund for payment of {$100000.00} in student loan debt owed by XXXX XXXX ( which was the debt discharged in XX/XX/XXXX, discussed in the preceding paragraph ). We contacted the U.S. Dept of Education, who advised that they had sent XXXX debt for collection to Immediately Credit Recovery , Inc., who, in turn, reported XXXX 's student loans delinquent on his credit report beginning XX/XX/XXXX. We have not received a call or letter from Immediate Credit Recovery , Inc. We have left several messages to explain the discharge and to request resolution, but have received no response.
04/26/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	NJ 076XX	Web
Hi, I have been unable to get a valid response from their collection team. I am at the end of a very long rope. I have logged complaints on their site, with the department of ed and with FASFA. I understand that their business model requires that they maintain exuberant fees. However, I would hope that would not be at the cost of integrity. Several things keep occurring and I can not get the correct resolution. 1 ) All my requests for accountability have been ignored. This should include any computer calculation programming ( to validate for errors ) and the itemization of how numbers were applied. 2 ) Several documents uploaded to their portal were removed by their company 3 ) The initial contact person was okay, but massively misquoted the payments. If the ONLY way you communicate is phone, then why is that person 's system so radically different from the office staff? 4 ) Why do they refuse to make contact via e-mail? I have extremely limited phone use. 5 ) I have now made 4 payments of {$370.00} to the dept of ed and my loan has not been released. Furthermore, they have stolen these payment to apply to their fees instead of the loans. I am trying to work with what now appears like a corrupt company. Is this the image they are striving for? They will not provide me with an officer 's name at the company to discuss how to correct this.
08/30/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 494XX	Web
I called and asked for my loans to be deferred XX/XX/XXXX due to having a baby. They never put them to deferment. XX/XX/XXXX I went back school at XXXX College. Did not defer my loans due to being back enrolled in school. I was in school until XX/XX/XXXX. I called again in XXXX of XXXX because I was working less due to being 7 months XXXX. In XX/XX/XXXX I again asked for a defer in XXXX of XXXX due to XXXX XXXX to my XXXX baby. I then applied for Borrower Defense in XXXX of XXXX. My loan were not placed to be deferred so they sent me to collections. In XX/XX/XXXX my tax refund was taken by the DOE. They took {$9300.00} from me and my XXXX children. I applied for a hardship. I talked to multiple people about what I would need. They explained I would need to fill out the application and send in an legal eviction notice with what I owed and that was it. I did so. They first tried to say it wasn't legal and the amount owed was not on there. I made it clear that they were wrong about that and the women said oh well you didn't send your lease agreement. I explained that I was not told to send that in. Also it stated on the application if I could not get an eviction notice I would then need to send in my lease agreement and all she would say to me was not it is too late. Included is the application I was sent
09/04/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	WI 541XX	Web
I had a student loan in 2007. I was unable to continue to pay after a certain point. The XXXX XXXX XXXX XXXX put a lein on my tax refunds and took the balance. The loans have been paid. Now there is a credit company trying to threaten me with court. I responded with a cease and desist until they sent a verification of debt because the loans are paid. they show payment on my credit reports ( which I monitor ) and this debt collector is reporting the same accounts that the XXXX are reporting and screwing up my reports. I tried to contact this company on multiple occasions and finally heard from a special unit case after filing a complaint with the XXXX. However ; they said they could not talk to me about MY account. Not to mention that I only put a cease and desist until proof of verification of debt has been sent on XXXX account, the ONLY XXXX they threatened me about. But, they are reporting XXXX accounts and not even telling me anything about a XXXX account! I am in the process of getting a mortgage and my broker and underwriter told me to file this complaint against this company and give you my evidence. They have requested info on these debts and have been ignored .... Further violating my FDCPA rights.. IMMEDIATE CREDIT RECOVERY, INC. XXXX XXXX, GA XXXX
02/27/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	CO 809XX	Web	Servicemember
Immediate credit recovery which is contracted through department of education is attempting to collect debts of the wrong amount. A garnishment was sent to my employer with a specified amount to be garnished. After reviewing the final payoff letter mailed it appears that Immediate credit recovery is reporting incorrectly the amount paid. I had a garnishment in the amount of XXXX sent to my employer. I have since paid XXXX. This would leave a balance of XXXX. Immediate credit recovery continue to report that a current owed amount as XXXX. The website XXXX shows a current total debt balance of XXXX. When speak with immediate credit recovery they stated that balance is not correct. At no point on garnishment paperwork did immediate credit recovery state the balance may change based on interest. No disclosures of interest or balance adjustments for collection fees, ect. This should all be detailed for the employers and for the employees whos wages are being garnished. I wish for an update for requirements of these agencies to disclose balance and debt amount changes due from collection fees and/or interest. Instead of falsely reporting a set amount and making it extremely difficult to find out the correct balance or access correct payment information.
02/20/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	TN 37830	Web
I received ppwk today from my payroll department who sat on my notification since XX/XX/2020 for Wage Garnishment started XX/XX/2020 for {$100.00} per pay period. This account is being collected by Immediate Credit Recovery , Inc. and this company has now almost tripled the amount that I am required to pay back. The loan was originally for right around {$11000.00}, but the 3rd party collection agency is now charging me {$36000.00}. I will repay the loan through wage garnishment, however, the interest I what I have an issue with and will not pay the interest. The original creditor is U.S. Department of Education XXXX. I do NOT want to deal with Immediate Credit Recovery , Inc., because they are too much of a hassle and want entirely too much information which is difficult for me to obtain and takes too much time to deal with as they call, constantly. I also never received anything in writing from them, before this notification, over the last year. I want someone from the Department of Education to deal with the collection agency and tell them that no interest will be paid to the agency, above what the actual amount of the loan, is. Immediate Credit Recovery , Inc., are RipOFFS! No ONE should have to pay that Much interest.
12/06/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	AZ 859XX	Web	Older American, Servicemember
In XXXX my student loan was forgiven by the lender. On XX/XX/XXXX I received a demand letter from a 3rd party Immediate Credit Recovery , Inc. ( hereafter ICRI ) of XXXX Ga. and use a XXXX Califonia address. In this day of Identity theft it is hard to believe anything that demands personal information in the mail particularly when you can not contact the company with the telephone number provided by that company. I have written them a letter. Contained in the letter they sent me referenced another company which I am informed and believe and thereon allege that they are an extension of the collection agency and not a valid company for complaints against that agency. 1. without my knowledge or consent ICRI obtained my credit report, and information in violation of FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) et.seq. 2. Then as an attempt to resolve this I made 3 separate phone calls on 3 separate days to the number provided and was disconnected without being answered each time. 3. I have now written a letter telling ICRI that this debt was forgiven over 19 years ago with the help of the Veterans Admin. As of the date of this complaint, I have not heard anything and I reserve the right to amend this complaint as facts become visible.
10/14/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	FL 33584	Web
A couple of weeks ago I received an email from my payroll department that they were going to start garnishing my wages at 15 %. My payroll department was noticed of this on XX/XX/XXXX. I called the company that now has my student loans, Immediate Credit Recovery, yo ask about this garnishment and was advised they sent me a letter to set up a payment plan but they sent it to an address Ive never lived at. They advised me I can fill out a financial hardship packet and hope that they dont garnish my wages. I filled out the packet and mailed it in with all my bills then on XX/XX/2019 I received a letter in the mail from the US Department of Education to set up a payment for plan for the debt I owed. I called them to set that up but was advised to just disregard the letter I received and it was sent out in error. I was never given the opportunity to set up a payment plan for this debt and Im also XXXX weeks XXXX with my first XXXX so having them garnish 15 % of my wages is going to put a huge financial strain on myself. The amount I owe is XXXX and Ive also been advised they will be seizing all of my income tax this year. Id be willing to make payments to this company but I cant afford for them to take XXXX a month from me.
01/16/2020	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	MN 553XX	Web
Regarding Federal Student Loan. In XX/XX/XXXX, the US Dept of Education told me if I paid {$350.00} per month for 18 straight months, the penalties and some of the interest would be removed from what I owe. I complied with the request and when the 18 months was up, I found there was nothing removed from the interest or penalties. I called them on the phone and they sold the loan said they sold the loan. I called the new loan servicer who stated " That has nothing to do with us. '' I was totally at a road block. Many things happened in my life that have been very hard to take on but then I started a job 13 years ago at XXXX. For the last several years, Immediate Recovery has been garnishing my checks for {$530.00} per month and if there are three pay periods, {$790.00}. I have been late on mortgage since the garnishment and have contacted ICR several times trying to take it out of default as it still accrues interest all the time. Also they have my tax returns. Out of an {$8000.00} loan, I have paid approximately XXXX and still owe {$30000.00} which will continue to grow.I am not married, am by myself and feel there is no way out of this. They asked if I could pay lump sum of {$26000.00} which I can not do.
05/23/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	IN 46254	Web
The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim the department of Education have not produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.
11/10/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	TX 75088	Web
I received a letter from Immediate Credit Recovery stating I owe them {$74000.00} In student loans. I called XXXX The department that manages my student loans and they confirmed that I only have XXXX in student loans total. There is XXXX in interest. There are two problems here. 1. I do n't owe XXXX and there is another company already garnishing me for XXXX. Between the two companies they are taking XXXX every two weeks from my pay. That 's XXXX per month and XXXX in the 2 months that have 3 pay dates. How can two different collection agencies garnish you for the same money. Immediate Credit Recovery has also reported double loans to the credit bureau so that now it looks like i have twice the loans in default than I actually have. My credit is bad enough without it doubling up on default payments. i spoke with them back in XXXX about lowering the garnishment amount and they refused. I made arrangements to make payments from my credit card but they have not been taking the payments. I have called and got put through to a voicemail box and no return call. They have no problem calling me 19 times a day when I 'm at work or in bed, but when I call them with a problem I get no response.
02/21/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	IL 60477	Web
I received a Notice of Wage Withholding at 15 %. I have been trying to call the company for four days. Saturday, Monday, Tuesday and Wednesday. By Tuesday the number I was initially given to call, voicemail is full. I contacted the Dept of Ed to inquire and was told at the time that ICR 's main phone system was down and that if I dial the last four digits of XXXX instead of XXXX I will be able to reach them as that number ( XXXX ) is working. I called that number both Tuesday and Wednesday. It's the same message as the XXXX number but in a different voice, again, directing calls to voicemail ... and nobody returns them! I contacted the Dept of Ed again about the new number they provided to me and was told, " We don't have any other phone number to give you so just keep leaving messages. '' I made just XXXX above the poverty level of XXXX for 2017 and this year my hours have been cut by 5 a week. I was never notified by ICR about anything going to court so that my financial situation could even be considered and they don't even have a working phone number for consumers to contact them at to find out about any appeals or steps to take to dispute their actions.
09/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94559	Web
An acquaintance at XXXX XXXX University ( XXXX XXXX ) suggested I attend his XXXX program, ( back in 2017, I think ). I could not attend or enroll in any of his classes at XXXX XXXX University because I did not have the money to do so. He assured me that I would not be charged any tuition fees and that I would not be enrolled in or owe money for any of his classes. Nevertheless, I received a bill from XXXX. for thousands of dollars in tuition fees. I have never attended any classes at XXXX. nor, to my knowledge have I ever enrolled in any classes at XXXX. I complained to XXXX XXXX about the bill. He assured me that he would fix this problem. I now am receiving collection letters from Immediate Credit Recovery , Inc. ( a collection agency ). They say I owe them {$3300.00} for tuition fees at XXXX. ICR : P.O.Box XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX XXXX. I also show this figure on my credit report and my credit score has taken a diveXXXX XXXX. has refused to fix the problem and ICR still sends me collection letters. Also, XXXX XXXX refuses to pick up his phone. Land line at XXXX. : ( XXXX ) XXXX, cell phone : ( XXXX ) XXXX. Fix this please.
08/25/2017	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	MI 48910	Web
On XXXX/XXXX/XXXX at roughly XXXX PM I was contacted by XXXX XXXX XXXX and was told to verify who I was by my last four of my Social Security number. I asked for the name of the company that was calling me and was told I could n't get that information until after I had verified the last four. I refused to give that information out and the representative proceeded to state my Social Security number. I told him I wanted to speak to his manager. I get his manager, XXXX XXXX, and was repeatedly talked over and yelled at all the while trying to get their address. He refused to give it to me. I did verify that the company 's phone number was XXXX XXXX XXXX XXXX. I then asked to speak to his manager. I was transferred to a colleague of his, XXXX XXXX, and I asked for their address. XXXX XXXX repeatedly talked over me and would n't answer the question unless I verified my last four of my Social Security. He kept refusing to answer the question and hung up on me when I asked to speak to his manager.
01/08/2020	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	VA 23185	Web
I started being garnished in XXXX of XXXX for a student loan. I was not advised of any collection activity for this account and didn't receive notice of garnishment until the day it was applied to my pay check ( via my employer ). When reviewing the documents, I observed that the address of record was from a residence that I vacated more than a year prior. In XXXX of XXXX, I attempted to dispute the debt/garnishment via the company 's website and did not receive any type of response. I called the company on XX/XX/XXXX, and was advised by a representative that disputing the account was pointless and the only form of action that I could take to alleviate the garnishment was to file a hardship request, which would be reviewed and approved/denied by a judge after I provided receipts for all of my monthly expenses. It is my understanding that when a customer files a dispute, the debt collection agency is required to open the case and complete a thorough investigation. I was denied that right.
11/15/2017	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	MI 48167	Web
I have a US Department of Education loan debt. I 'm forced to use a company called immediate credit recovery to process my collection amount for the period of 11 months so that I can get out of default status and work out a different payment arrangement. I 've had ongoing issues with this company and the Department of Education about my loan. I have been paying the monthly obligation and yet the amount that I 'm paying is not showing on my credit reports as of today XX/XX/17 correctly and on the statements from the Department of Education the amounts are showing past due when they are not past due they are automatically taken out of my account each month. I have proof of all of this. I have contacted the Department of Education they will not help me and I have contacted ICR and they will not help me. Wrong information is being reported on my credit report and information that is inaccurate and money that I 'm paying is not being applied to my account properly.
07/24/2019	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	FL 32714	Web
I am currently working with Immediate credit recovery to resolve a student loan of about {$2000.00}. We have worked out a payment plan that I have agreed to as them and signed off on. And stated making payments on. Today at about XXXX on XX/XX/19 they called the XXXX and to my XXXX. From XXXX The secretary did transfer to my work phone ( she didn't know any better ). I tolled them not to call me at work. I am a XXXX and work at a XXXX. A miss XXXX XXXX was the rep from ICR. She initially presented her self as security or something like that We talked for a few minutes about the loan and that I and making payments on this. We have scheduled payments of {$15.00} to come out of my bank account on the XXXX of every month to start rehabbing this loan. I did remind her about me not wanting to be called at work. Her tone was harassing and threating. I did inform her that I would be making a complaint that it was illegal to call someone at work if they said not to.
10/04/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I am again requesting proof of a contract between Immediate Credit Recovery INC and myself, bearing my signature, of a loan that they provided to me. If that information is not provided with the next response. I will turn this case over to my attorney for further action. What I have been provided is a validation. It is a print out on a word document. I am requesting copy of the original written agreement between Immediate Credit Recovery INC, such as the loan note or credit card agreement, preferably signed by me and a representative of the company. I am demanding a bill of sale, an assignment, or a receipt between the last creditor holding the debt and Immediate Credit Recovery INC. You must return all copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt or I will turn this matter over to my consumer rights attorney.
11/24/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TN 371XX	Web
A representative from ICR Inc ( Immediate Credit Recovery , Inc ) has called multiple times over several days, refusing to provide anything but a first and last name as identification without me providing the last 4 of my social security number. I repeatedly refused to identify myself without verifying what company the representative was calling from was legitimate. The representative finally said " Fine, I'll verify the last 4 digits we have on file and you can tell me if they are correct. # # # # '' and gave my correct last 4 without having ANY idea who was on the other line. The representative confirmed that she was being recorded on her end of the call. I had no confirmed my name, only repeatedly asked for the called to identify the company she was calling from. I thought this was a WORK call and was trying to figure out what client I was talking to, and heard my own social given out.
06/14/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	CA 95032	Web
Immediate Credit Recovery, Inc. wants me to pay {$860.00} per month as a repayment to my student loan. I have been making regular payments for over one year, and have paid off many previous students loans in good faith in the past. I returned to school to earn my XXXX XXXX XXXX and these loans were supposed to be deferred, but were mistakenly not deferred so I was sent into default. I am a good person, who has every intention of repaying my student loans ; has demonstrated a good repayment history over the past 12 months and would prefer to make direct payments to the US Department of Education. I can not afford the {$860.00} monthly plan this debt collector put me on. They are unreasonable and are unwilling to work with me. REF account # XXXX Please help me resolve this so I can pay the US Dept of Education directly. I appreciate your support. Thank you, XXXX XXXX XXXX XXXX
11/14/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76010	Web
I received a call on XX/XX/XXXX from a XXXX XXXX from Immediate Credit Recovery trying to collect on a student loan that was from early XXXX 's that was listed on a chapter XXXX bankruptcy and was discharged XXXX, before the laws changed on ed loans, this has already been taken off my credit, this file has been sold several times so XXXX XXXX @ Immediate Credit Recovery, i advised him of the chapter XXXX and was discharged and he shall not contact me again and close out that account due to the bankruptcy. i received another call today XX/XX/XXXX from XXXX @ Immediate Credit Recovery regarding the same account, i advise him that this is the second call from their agency and was told to not contact me again due to the chapter XXXX bankruptcy, he wants to argue that this is owing and is on my credit, when it was already removed and needs to be removed asap.
02/13/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	UT 84043	Web
Immediate Credit Recovery Inc is the company attempting to get money from me. I did not even know they existed until they started garnishing my wages. I filed BK and when it discharged I got a letter from them in XX/XX/2018. I called and spoke with a representative about rehabilitation. She was not performing the rehab correctly and was not very helpful in trying to get this worked out. I called back to see what other options we had only to be hung up on and now not other phone call or contact and just got notifed about them taking garnishment again. I am in a rehab with another servicer and consolidation with XXXX. They do not care to work things out and it is clear they fully intend to only get their money through garnishment to claim a higher recovery. This can not continue especially since I have XXXX children and a total of XXXX in my house hold.
11/07/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	TX 75204	Web
Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. First, Immediate Credit Recovery , Inc. sent a collection agency notice to my parents house and not to me at my address in Texas. Second, Immediate Credit Recovery , Inc. did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.
03/24/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	MA 02125	Web
My wages have been garnished to pay this defaulted loan through Immediate Credit Recovery. I applied for Economic Hardship ; and regulary went to website ; saw status messages I did n't understand ; called Immediate Credit recovery they did n't return calls. I complained via myeddebt.gov. within the past week I called & was told garnishment was suspended & set up voluntary payments. I waited so I could do research. a few days later I call back to set up voluntary payments and find out that my account is on hold due to my complaint ; wage garnishment still in effect. My account will be on hold until Immediate Credit Recovery ( or Dept. of Ed ) investigates my complaint. This seems so retaliatory. I am glad I waited to attempt voluntary payments. I would have been paying via wage garnishments and voluntary payments.
04/02/2018	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	FL 32043	Web
u s dept of education sent a letter dated XX/XX/XXXX stating my loan is in defalt status due to non payment. i told them i had been hospitalized sice XX/XX/XXXX that i am putting applications in for ft employment. i had my mother to set up a paymentplant to take out automatic withdrawls from her credit card XX/XX/XXXX. they received the payment and did not remove the money every month. i have applied to a XXXX XXXX XXXX position to assist me in my loan repayment but i will not be hired untill this is resolved. i called the and was told it was sent to the immediate credit recovery, XXXX XXXX only getting voiice mail. and i complaind to the dept of education default resolution group, XXXX TX, XXXX XXXX XXXX i was told the phones mut be down due to BAD weather???? i will not be hired if this is not resolved.
03/15/2018	No	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	WY XXXXX	Web
I was incarcerated and unable to pay my student loan and it went into default.I am trying to contact the collection agency that holds the loan.The company is XXXX XXXX XXXX XXXX. I have made numerous attempts to call them. I have sent email. They do not reply to my messages. I am working with XXXX at XXXX XXXX and my adviser has also tried to contact them. I contacted Federal Student Aid and they can only give me a phone number that sends me to voicemail where I leave a message. Again, no one will call back. I started trying to contact them in XX/XX/XXXX and have made numerous calls each week ; too many to count. I need to resolve this and get my student loans out of default. I want to go back to school and this is keeping me from moving forward with my education. I appreciate any help you can give me.
12/14/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	NC 278XX	Web
I received a notice on XXXX/XXXX/2016 from U.S Government proposed wage garnishment - I called the # XXXX on the letter and spoke with a XXXX XXXX on XXXX she advised me I owe XXXX and they are garnishing my pay if I do n't respond by XXXX/XXXX/2016 - I sent a letter for a hearing certified mail as to which I have the receipt proof of this date, 7 days later they sent a garmnishment letter to my employer XXXX XXXX I received no chance for a hearing nor did they provide me with proof this loan and amounts are valid, today is XXXX XXXX, 2016 and still no hearing, I am writing to you because I believe this " collection agaency " is committing fraudulent acts and has garnished my pay which is causing a severe hardship on my family since I am the sole income earner. Please help.
09/22/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA XXXXX	Web
I received several calls and later a printed statement by mail, regarding an old student loan from a Collection Agency that indicated they were contacting me on behalf of the Department of Education. I contacted them by phone and was told unless I agree to set up satisfactory payment arrangements or submit the full payment amount, I would be subject to further collection activity including garnishment of wages and or XXXX / S.S. benefits. The issue also is currently there is a tax offset already in force that automatically forwards any tax refunds toward the balance of the student loan. With that already active, I should not have to be threatened & harassed by a collection Agency for a debt that is already being paid by the tax offset.
04/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 875XX	Web
I got a letter from a collection agency saying that I owed a high a amount of money back. For what what I do n't know. I see that it was opened on XXXX XXXX. XXXX. Saying I owe for a loan for schooling within years that 's I never attended. I attended college in the year XXXX and finished. After i got my certificate I started working with my XXXX and never attended school after that. I never ever opened up or took any school loans out. So when I seen that this was for XXXX it set a red flag for me. Becauae I became pregnant in XXXX and I stopped work for a year. I do n't understand why I 'm getting this collection agency saying I owe money when I never attended school or anything for two years sense XXXX. I strongly feel this is wrong.
07/08/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95124	Web
I received debt collection from a company called " Immediate Credit Recovery ''. Noting that I owed {$420.00} from XXXX XXXXXXXX. The account # they created is XXXX. They also claimed that if I was not able to pay within a month, my credit score will be damaged. I have not involved in any financial activity with XXXX XXXX and I am not aware of any direct bill. Actions I have taken : - Called XXXX XXXX. I was not able to confirm any bill for me from XXXX XXXX - Called the Company, I was not able to get connected to any agent - Emailed the company, there was a mail system failure meaning the email didn't go through. - Searched online, there were comments that this company may really exist
01/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75208	Web
This is first of all a debt that was the result of Identity theft and opened without my knowledge the account. This account appeared on my credit report and I have no knowledge of this debt and never seen any collections attempt made by this company. I have seen the same old debt bought and placed back on my credit report. This company has bought a non valid debt. Also a police report as been filed in efforts to protect my information from those who used my information to open the bogus tradeline. Also the company may not be licensed to collect in the state of texas. And the account that they have reported was fully discharged for it being fraudulently opened.
02/21/2018	No	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	OH 45244	Web
My parents told me to go to XXXX XXXX, even though I had heard about their fraudulent practices, they thought good idea for me to go there. I went, got an XXXX and in the end I was told I needed to redo a loan for one final credit, which was only about 2k and now all of a sudden I'm informed, after notice my federal tax returns are being taken from a federal credit collector, THERE'S NO WAY I OWE OVER 10K as now stated, I had paid off my XXXX XXXX credit loan. Hoping to get a way to be forgiven, since it's one of the most fraudulent circumstances I've ever seen or have had to deal with, especially with it being almost 10 years after I have actually graduated.
02/19/2020	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 76006	Web	Servicemember
I have been garnished without notification from Immediate Credit Recovery. I notified the company upon the garnishment and informed them that they must notify me within 30 days prior. According to the representative XXXX XXXX, they assumed I received the notifications and therefore to it upon their selves to submit the garnishment. I agreed to set up a rehabilitation plan and updated my information making a small payment but they continue to find differ reasons not to submit while a payment has been made. This process has caused many problems with my finances and Ive tried to work them. But if I had received any notification I would have made arrangements!
05/14/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	AR 71730	Web	Older American
the collector called from a local phone number indicating they were representing another party form the same office regarding student loan debt which is presently being paid. Also the previous party who arranged repayment of student loan debt did not disclose how funds would be distributed, thirdly the collection agency indicated they never received information I faxed and mailed to them on a timely basis, and it is my belief that this was done to run me over the time deadline to qualify for payment arrangements, in addition, the collection agency never offered a plan to have the debt not being reported on my credit as well as my dependent child 's report
08/05/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	TX 75208	Web
to keep it short I have been sending payment pre seeing it via XXXX to my loans still they 've started garnishing wages - I need - stating I have n't been sending payment I had a plan of XXXX, which I was n't able to meet because I a single income household the payments I have been sending are more than the XXXX from the plan that was set up that I did n't meet. when I call to talk to someone about my loan their systems are down and I have to wait long period to get someone and then I am transferred constantly I do n't know what to do - I ca n't meet my obligations of rent, utilities and food even less now that 15 % of my wages are being garnished
03/30/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	TX 78130	Web
My student loan defaulted and was passed around to collection agencies. Immediate Credit Recovery never contacted me regarding this debt. They went through the Dept of Education to garnish my pay, in which they were successful. I appealed and have not heard back for over a year now and have requested an itemized bill numerous times only to be directed to the Dept of Education who tells me they do not own the debt and I need to contact my collection agency. So basically calling back and forth in circles getting the same response. I am attempting to get the status of my appeal and an itemized bill. Any assistance would be greatly appreciated.
06/01/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	GA 30297	Web
The aforementioned credit agency representing United States XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX , XXXX , and XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Immediate Credit Recovery Inc does not have any documentation, they need to remove this from my credit file immediately.
03/10/2019	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	NY 11434	Web
I recently received a collection noltice from Immediate Credit Recovery Incorporated saying that I owe {$1200.00} for a previous student loan debt. I'm currently paying my student loans every month and I have never heard of this bill. I disputed the claim with the collection agency asking them to validate this information with a signed contract from me. They did not send me a signed contract. They sent me a bill claiming I owe. This bill doesn't prove anything. I still don't see where I owe this agency anything. They are not following the law by sending me a signed contract with my name on it proving that this debt is mine.
03/14/2017	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Seized/Attempted to seize property	LA 70118	Web
My student loan was in default and went into wage garnishment. I ma trying to start a payment plan to get out of default and NO one will call me back. I have called over 120 times in the last month and left over 47 voicemails. I have called all government departments that had anything to do with my loan and the only thing they tell me is that I have to speak to someone at Immediate Credit Recovery. At this point they are stealing from me. They are collecting a fee when I am actually trying to get out of default. They wont call me back because after I get out of default they will not be able to collect their fee.
08/14/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	NC 28212	Web
Had an agreement with Immediate Credit Recovery. We had an agreement that I would pay {$5.00} per month for 10 months and then the debt would either be consolidated or reviewed. Tried to send in documentation stating that I was not financially able to pay. The next thing I knew my wages were garnished, now I only have {$800.00} every two weeks to pay my mortgage and my bills. This will put me in a financial bind. I received no mail documentation that my wages would be garnished. This is an old debt and I should not have to pay a 3rd party for a loan that I did not sign originally with
12/12/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NE 68154	Web
ICR has mislead and misrepresented themselves. they had informed me they worked with US DEPt. of ED with getting loans out default however they were a 3rd party and a debt collector and had nothing to do with the situation with me and the US dept. of ED. I never had to do anything with them because my loans were sold. i've sent my debt val and cease and desist asking them to show me the contract we have showing they are allowed to purchase my information and the original contract showing their a debt collector and is a signed contract saying they can do so.
01/09/2016	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Threatened to sue on too old debt	AZ 85018	Web
I have been paying in my student loans for years and my taxes have been taken ..I started to question who 's loan this is since I have not been in college since 1989 and I wanted a pay history of all the payments that have been made because I could n't possibly still owe almost $ XXXX dollors still so when I was dealing with them dept of edu and I started questioning the debt all of a sudden I get notice I am with a collection agency and now I cant deal directly with the dept of edu any longer I have to deal with the collection agency
12/18/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA 91335	Web
XXXX in XXXX CA closed down along with all of their campuses while I was enrolled and now they are asking me to pay back the loans. The amount due is {$5400.00} which I have been going back and fourth with the XXXX XXXX XXXX XXXX to see If I could either get it forgiven seeing as I was not able to finish the program or if I could set up a payment arrangement. I sent in my last correspondence and now they are sending my account to a collections agency and they have sent me a notice that they are going to garnish my paycheck by 15 %
05/01/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	ME 045XX	Web
My loan went into default with ICR. I have called several times to set up repayment plans. They are taking 15 % of my pay and are telling me that they will ocntine to do so and then will charge me an additional monthly charge that they get to decide. They take {$500.00} a month. I am unable to maintain that payment let alone another one from them. They told me to go out and get a loan to pay it off, but i can't because i am in default from them. They hang up and never respond back and are unwilling to help
12/26/2019	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	ID 83704	Web	Servicemember
On XX/XX/2019 a legal and lawful cease and desist order was transmitted via fax to Immediate Credit Recovery, Inc. Confirmation of said transmittal was obtained. ICR, Inc. violated said cease and desist order on XX/XX/2019 by sending yet another attempt to collect via postal mail. Another notice was transmitted to them via fax informing them of their violation and of there consequent inclusion in any litigation to follow. ICR is now in direct violation of a legal and lawful cease and desist order.
01/05/2017	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	NC 275XX	Web
I have been trying to pay a debt presumed owed to this collection agency. I have made XXXX to XXXX attempts but to no prevail. I have talked to a receptionist and they keep telling me to leave a message at another department so someone can call me back. I have yet to hear back from anyone to resolve this issue. I 'm trying to get financing on a house for my family. All I want to do is pay what is presumedly owed so this information can be removed from my credit file and credit report.
05/16/2017	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	MI 48178	Web	Servicemember
Student loan was turned over to a collection agency, Immediate credit recovery Inc. I called several times prior to them garning my wages to discuss a resolution. I have left several voice mails prior to the garn taking place and after. I have never recieved a return phone call and they have started garning me. I just returned to work from a 6 month short term disb and this is crippling me. I tried to set somehing up prior to garn while on disb and no one will return my calls!
06/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11372	Web
I recently checked my student account from the XXXX College of XXXX and there is a so-called " Hold '' from ICR ( Immediate Credit Recoveries ). I 've never done business with this company and I pay my tuition with Federal Financial Aid and have already resolved my payment option through the Financial Aid Office of my University. I have not received any written nor electronic communication from this company nor from my school about this issue.
12/28/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	TX 76053	Web
I have been trying to set up a plan with this company and they keep telling me that they will call me back and I never get anything back. This has been going on for quite a long time. every time I call they keep telling me they are transferring me to a rep and then I get transferred again to someone who has no idea why I am calling. I know this is my bill and I want to pay it but they should call me back.
03/01/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	OH 45224	Web
the company took my income tax for the total of {$2900.00} and then stated that it was for student loans but it was taken by a company that I neither have heard from by phone or email or mail itself and when I try to call them there is no response I get a voicemail and when someone finally calls they call at a time I can not answer and they leave a number and extension which all it does hang up on me
03/09/2016	No	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	KY 41042	Web
This agency Immediate Credit Recovery is falsely reporting on my student loans and causing me to stay into default because they will not release the LVC and they are reporting that I am being garnished and I am unemployed with no income and trying to consolidate muy loans and they are denying that process to take place. Please recall my account from this agency as they are not properly servicing it.
05/22/2017	No	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	AL 363XX	Web
I am currently in a rehab program on XXXX of my student loans. I was told the XXXX loan does not qualify for this rehab but that I can not make any payments on it until the rehab program is complete. I just received a wage garnishment on the XXXX loan and when I try and call the number on the form I am transferred around and hung up on or I get a recording and no one ever contacts me back.
03/15/2018	No	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 46256	Web
XXXX XXXX called into my place of employment. I asked for the name of the company. female hesitated and went on with call as though she did not hear me. I asked again she finally reveled where she was calling from. I then told her that I am not to receive calls at my job. I asked that my number be removed. she laughed and said no. However she didnt know that the whole call was being recorded
08/16/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	NJ 07103	Web
XXXX 2017, the IRS and the XXXX XXXX XXXX informed me that a collection agency by the name of Immediate Recovery are in charge of my loans now for the amount of {$50.00}, XXXX. I have made many attempts to contact them and still no response. I have even asked the representative s that do answer to please leave an email with my request to speak to them but still they have not reached out.
05/03/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Need information about my balance/terms	NY 10025	Web
I XXXX in 2014 and had a loan with XXXX. However, my loan was handed over to a collecting agency - Immediate Credit Recovery without notices, which incurred a fee of $ XXXX. Moreover, as I wanted to see a detailed information of loan : interest rate and how it 's been accrued, the loan collecting agency refuse to provide me such information saying they do not have it.
09/01/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	NE 681XX	Web
My Federal Student Aid printout shows XXXX as servicer of XXXX of my loans. When I attempted to contact this agency, the recorded message referred me to Immediate Credit Recovery. That agency refused to give me any information on income based repayment. It also refused to send me anything in writing about my loans. It does not appear on my credit reports.
10/30/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 77091	Web
I was told by the Department of Education to contact this collection company. I told the Department of Education and the collection company the loan did not belong me because I had a name change and the debt is more than seven years old. According to the rules of the FCRA the debt is suppose to be deleted from their systems because it is inaccurate.
06/16/2017	No	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	WV 25701	Web
I have been making payments on my husband 's rehab. I specifically told them not to call a certain phone number and months later not only did they call it they left a foti on it. Im not happy about this and as a former XXXX XXXX XXXX XXXX i am thinking about going further than this. ICR in XXXX is the company. I have the foto on voicemail.
03/10/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	NY 117XX	Web
Reached a settlement agreement with ICR Immediate Credit Recovery amount of {$6600.00} to be paid by XX/XX/2019. The XXXX website has been down for the last three days and I am unable to submit payment. Their office is closed today XX/XX/2019. They should honor my agreement to the next business day without penalization.
02/19/2018	No	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	NV 89506	Web
I had gotten a letter from the collection agency to contact them by a certain date, I have tried repeatedly to contact them and no one answers or calls back. Now they are offsetting my wife 's share of the taxes and she isn't responsible for my student loan, I didn't even know her back then.
04/05/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	CA 93065	Web
Immediate credit recovery submitted me to garnishment to stop my process of consolidation that was submitted. They are falsely reporting on my student loan account and not properly servicing my student loans. They need to stop this garnishment asap and honor my consolidation.
02/02/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	FL 328XX	Web
After having a XXXX, XXXX related expenses skyrocketed. I can not afford to make the payment amount that they proposed. They would not defer the loan. If I could defer the loan, my wife is working on getting a better job and we could make payments later this year.
11/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 88012	Web
IMMEDIATE CREDIT RECOVERY INC, is listed on my credit report as a derogatory mark. The debt with XXXX XXXX XXXX XXXX has been paid in full, on XXXX 2016. I would like Immediate Credit update there records and remove this from all credit reports.
11/30/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	MA 010XX	Web
Was told entire payoff amount and deadline. Sent payment in full. Was called back by agency and told i still owed money beyond the payoff. That the agreed to amount was not approved Trying to charge me thousands more.
03/15/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	IL 62221	Web
I have been trying to reach the collection agency that is over my account and try and make payment plans but I have not been able to reach them. I have left voicemails and sent emails with no one trying to assist me.
12/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NY 10801	Web
There a a student loan from 1986 i was only XXXX years old and I was n't even informed about this loan. I signed something that I was n't even sure what I was signing I do n't recall going to that school for a week.
11/01/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 11226	Web
XXXX XXXX balanced due, willing to pay debt ; however getting to many phones calls and letters in the mail, i wish for it to stop. calls come in about 7 times a day. thank you for the understanding.
07/16/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	GA 30311	Web	Servicemember
Immediate Recovery refused to give me correct information on how to get help with defaulted loan status. Instead they made.threats and eventually called the police to the home.
11/24/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38111	Web
This company is attempting to garnish my check for student loan debt I dont owe. They have not contacted me to check if its really me or to work out a payment plan.
07/13/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 31324	Web	Servicemember
I have no debts and they are calling the wrong number. I have asked them to stop but they still call repeatedly.
01/19/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	GA 30318	Web
My interest rate is ridiculous. I only owed a little over XXXX but now I owe XXXX. I do n't understand how.
11/10/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	PA 19320	Web
I was told this company represents my XXXX carrier yet no payments have been made towards my loans!
12/22/2023	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77477	Web

05/25/2023	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	PA 18974	Postal mail

09/17/2022	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 76124	Web

07/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 12572	Web

07/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 13762	Web

06/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 10570	Postal mail

08/04/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 11225	Web

06/28/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78541	Web

01/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94188	Fax

01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21703	Web	Servicemember

12/16/2020	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt		Phone

11/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10458	Web

08/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 12603	Phone	Servicemember

07/02/2020	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07631	Web

05/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 98104	Phone

04/27/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	PA 17110	Phone

04/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NY 10028	Postal mail

04/10/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NY 10019	Web

02/22/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 77318	Web

01/24/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	PA 19082	Phone

01/16/2020	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	CA 90220	Web

01/16/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NY 10150	Postal mail

12/06/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	FL 33596	Referral

11/16/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	LA 71106	Web	Servicemember

11/08/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 65656	Referral

10/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32082	Web

10/10/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 92553	Phone

08/07/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	NY 11716	Referral

07/29/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	VA 22039	Postal mail

07/24/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 45232	Postal mail

07/03/2019	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	WA 98664	Referral

05/24/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 34472	Phone

05/23/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	AZ 85028	Referral	Older American

05/20/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	TX 78745	Postal mail

05/14/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 44138	Web

04/16/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79902	Web

03/19/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	FL 34472	Phone

01/07/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	NY 10704	Web

11/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11225	Referral

10/31/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MA 02090	Phone

10/11/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 77023	Web

08/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11417	Web

08/16/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33776	Web	Servicemember

08/16/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled		Phone

07/27/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds		Phone

07/03/2018	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10466	Postal mail

07/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78750	Referral

04/16/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	PA 17601	Postal mail

03/01/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NY 10512	Web

03/01/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 60644	Phone

02/28/2018	No	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	PA 19121	Web

02/23/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 33162	Phone

01/23/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NY 11021	Web

01/17/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 43123	Web	Servicemember

01/08/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	FL 33541	Web	Servicemember

01/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11203	Postal mail

12/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60611	Referral

12/05/2017	No	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid		Phone

11/08/2017	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	GA 30161	Postal mail

08/30/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	MD 21045	Phone

08/22/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	CA 94578	Web	Servicemember

08/18/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10304	Postal mail

07/07/2017	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	UT 84062	Postal mail

05/05/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	CA 93304	Web

04/17/2017	No	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	OH 43215	Web	Servicemember

04/11/2017	Yes	Debt collection Federal student loan	Disclosure verification of debt Not disclosed as an attempt to collect	IN 46250	Phone

03/23/2017	Yes	Debt collection Federal student loan	False statements or representation Impersonated an attorney or official	FL 33706	Referral

03/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	FL 33142	Phone

02/17/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	NC 28270	Web

02/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11214	Phone

02/11/2017	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	MI 48317	Web

02/02/2017	No	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	LA 70128	Phone

01/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22310	Referral

01/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 12522	Web

01/09/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	FL 32246	Web

12/14/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	ND 58701	Web

11/01/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	MO 65355	Web

10/04/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	NV 89102	Fax

10/04/2016	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	MA 02113	Referral

10/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10002	Postal mail

09/26/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	TX 76053	Web

08/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11803	Web

07/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92301	Web	Older American

05/12/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	MO 63012	Phone

04/12/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	DC 20003	Web

02/19/2016	No	Debt collection Federal student loan	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30122	Postal mail

09/30/2015	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	VA 22301	Web

09/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75093	Web

07/02/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 24522	Referral

06/09/2015	Yes	Debt collection Federal student loan	False statements or representation Attempted to collect wrong amount	OH 44646	Web

06/05/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WA 98661	Web

04/07/2015	No	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MD 20744	Postal mail

03/04/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NJ 07036	Web	Older American

02/24/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30310	Phone

01/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10566	Web

12/10/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 78702	Web

12/05/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32217	Web

10/02/2014	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 90254	Web

09/04/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 92253	Web	Servicemember

08/07/2014	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Seized/Attempted to seize property	CA 90254	Web

08/05/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	KY 40601	Postal mail

07/23/2014	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	MA 01731	Web	Servicemember

06/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30340	Web	Older American

05/06/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	OH 45322	Web

04/04/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30060	Web

02/21/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 31308	Web

01/24/2014	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	VA 22903	Web

01/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	WA 98072	Referral

01/21/2014	Yes	Debt collection Federal student loan	Disclosure verification of debt Not given enough info to verify debt	KY 42103	Postal mail

01/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 12850	Referral

12/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 11372	Web

11/21/2013	Yes	Debt collection Federal student loan	Improper contact or sharing of info Talked to a third party about my debt	WA 98072	Web	Older American

11/07/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77081	Web

09/16/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management		Referral