| 10/19/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I went to XXXX university XXXX XXXX. They stated that I still owed them money in XXXX in the amount of {$10000.00} which I have no clue where this number came from because XXXX will not let you register for classes if you still owe money from a previous semester. I was making monthly payments to them in the amount of {$150.00} a month for 4 years straight which came to a little over {$7000.00}. When I called them to ask my account balance they told me that I still owed {$7600.00}. when I asked them how could this be they stated that out of the {$150.00} I was sending them a month only {$50.00} was going towards the actual bill and that {$100.00} was going towards late charges every month, which I was not made aware of this due to the fact that the payments would be late for the life time of the debt. I explained to them that this was ridiculous and I never even owed that large amount I only made payments because they kept threating to have me sued and would try to mess up my credit. I explained to them I had only owed a little over {$3200.00}. However XXXX had a collection company come after me when I refuse to pay anymore money to them. The law offices of XXXX XXXX XXXX XXXX Regency Plaza XXXX XXXX, Pennsylvania XXXX, these people claim to have the Debt from XXXX, I have been making payments of {$50.00} per month for over 3 years now and they keep harassing me by calling threating to sue me in court, telling me they will destroy my life by messing up my credit. everytime they send me a bill its for a different amount IM SICK AND TIRED OF BEING HARRASED!!! I explained to them that the debt that they have in incorrect, when ask for them to check with XXXX for the original amount they are telling me that XXXX does n't have the information any longer. they sent me a bill on XXXX XXXX XXXX saying I owe {$8900.00} I called and told them this was incorrect! then I got another bill on XXXX XXXX, XXXX saying I owe them {$9900.00} and this year they sent a letter saying that now interest will accrue at the rate of 6 % annum in accordance with state law. these people are rip offs I did n't have all the proof of all my payments I have moved and switched banks a few times most payments where through my bank accounts sometimes it was sent through a money order but all the ones sent to the law office for collections was through XXXX of my bank accounts. I had missed a few payments when I found out I had XXXX I was n't working had no income they continued to harass me saying they would sue me in court. I do n't owe this money and I 'm tired of paying them every month just for them to leave me XXXX XXXX should have to go through this, this is not right and I currently have no job after being out sick with XXXX and losing my job. I called XXXX they do n't have a record of the exact amount or the exact amount of payments I made. this has been almost 7 years going through this
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| 01/04/2016 |
No |
- Debt collection
- Non-federal student loan
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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After receiving notice in the mail that this debt had gone to collections, I responded immediately to the law firm/collection agency because I was unaware that this debt had NOT been consolidated through the Public Service Program I had applied for. After speaking with the attorney 's secretary, I agreed to pay $ XXXX/month for the total amount of a little over {$6000.00}. About 6 months later, I considered offering a lump sum payment and discussed this with the secretary. She told me that I ca n't settle for any other amount because it 's an education loan and that there 's no benefit to paying it all at once. I then agreed to continue to pay $ XXXX/ month. After approx. one year and a few months, the law firm contacted me about my automatic payment that did n't go through because my debit card had been replaced by the bank. While discussing this with the secretary, it came to my attention that the principal of the loan was much higher than I expected it to be because I was being charged 5 % interest per year. I had paid almost {$400.00} in interest as of XXXX 2015. I am upset because I was never told in writing or orally that I was paying interest. I was also discouraged to pay a lump sum and was actually told that it would n't be advantageous to me, which is clearly untrue. Finally, while this is an education loan, I have trouble believing that I ca n't offer a settlement amount as this is a debt that has already gone to a collection agency. While I do n't know the law in Pennsylvania, I do n't understand why I ca n't try to settle for a lesser amount, or why I was n't told that I 've been paying interest for a year and a half.
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| 04/15/2019 |
No |
- Debt collection
- Federal student loan debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Phone |
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| 01/03/2019 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
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| 10/02/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Referral |
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