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This is in response to your complaint filed with the Revdex.com on April 4, 2016, concerning your student loans guaranteed by Educational Credit Management Corporation (ECMC)As a result of the complaint, Laurie ***, ECMC Research Resolution Specialist, contacted you on April 6, to discuss your concerns ECMC records reflect you successfully completed a rehabilitation on January 29, As a result on February 7, 2016, ECMC submitted a request to the national credit bureaus to delete our tradeline ECMC has no control over and is not responsible for how long it takes the consumer reporting agencies to update the account At your request, Laurie mailed and emailed you a copy of the Rehabilitation completion letter originally mailed to you February 8, In order to assist you, ECMC has again submitted a request to the national credit bureaus to delete the ECMC tradeline We did this using their on-line eOscar system Should you require additional assistance or have further questions, please do not hesitate to contact Laurie at ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/09/11) */ This is in response to the complaint you filed with the Revdex.com on September 1, 2015, concerning your defaulted student loans guaranteed by Educational Credit Management Corporation (ECMC).Educational Credit Management Corporation (ECMC) has reviewed your concernsECMC has previously responded to you directly regarding the same concerns on October 31, 2012, July 6, 2015, and August 8, For your convenience, we have attached copies of those responses A review of the National Student Loan Data System (NSLDS) reflects there are other federal student loans not held by ECMC listed under your name and social security number that reflect a default status For information pertaining to your loans, you may access your loan information at www.nslds.ed.gov Following is an outline of your federal consolidation loan held by ECMCOn July 18, 2003, you received one federally guaranteed consolidation loan disbursed in the amount of $14,The loan was serviced by Affiliated Computer Services (ACS) and was originally guaranteed by the California Student Aid Commission (CSAC)Effective November 1, 2010, the U.SDepartment of Education (ED) assigned the CSAC student loan portfolio to ECMC and ECMC became the new guarantor of the loanAttached is a copy of the signed promissory note used to obtain this loan In your complaint, you are requesting proof of the debt you oweBy signing a promissory note, you, the borrower, agree to repay the loans that are guaranteed using the noteThis is a legally binding contractPlease read section's F and G on the last page of your promissory note for further information Information provided by ACS indicates you were granted months of deferment, months of forbearance and made four payments totaling $430.18, which advanced the due date to June 28, Records reflect no further payments, deferment or forbearance were processed on the loan When your loan became more than days delinquent, it went into defaultOn August 2, 2012, ECMC paid a default claim on your loan in the amount of $16,Pursuant to federal regulations governing the Federal Family Education Loan Program (FFELP), guaranty agencies must add collection costs on educational loan debt when the guaranty agency pays a default claim to the lending institution (C.F.R§ 682.410(b)(2))In addition, all outstanding interest was capitalized at the time the default claim was paid (C.F.R§ 682.410(b)(4))This caused the loan balance to increase You expressed concern over the reporting of your loans to the consumer reporting agenciesIn accordance with U.S.C§ 1080A(f)(1), U.S.C§ 1681c(a)(4) and C.F.R§ 682.410(b)(5), the Federal Family Education Loan Program (FFELP) requires and the Fair Credit Reporting Act allows guaranty agencies, such as ECMC to report this information for seven years from the date on which the guaranty agency paid a claim to the holder on the guarantyAs stated above, your claim was paid on August 2, ECMC is accurately reporting your account as a (Account assigned to internal or external collections) with a balanceECMC has submitted a request to the consumer reporting agencies to mark the account as disputedECMC has no control over and is not responsible for how long it takes the consumer reporting agencies to update the account Regarding your concerns with the Fair Debt Collection Practices Act (FDCPA), it has been established that student loan guarantors, such as ECMC, are not subject to the FDCPASee Pelfrey vEducCredit MgmtCorp(In re Pelfrey), F.3d (11th Cir2000); Rowe vEducCredit MgmtCorp., F.Supp.2d (DOre2010); Montgomery vEducCredit MgmtCorp., B.R(DMinn.1999) At this time there is not enough evidence to substantiate your identity theft claimIf you believe the student loans held by ECMC were the result of identity theft, please complete the attached Certification/Agreement of Cooperation of Identity Theft Claims form, which is required by the Department of Education to review a claim of identity theftIn addition, ECMC also mentioned your claim would be reviewed once the notarized form and all required documentation were receivedIn our October 31, response we explained it is your responsibility to obtain a criminal court verdict that conclusively finds that you were the victim of identity theft; references this loan specifically; and identifies the name(s) of the individual(s) who committed the crimePlease note filing a police report does not fulfill that requirement Your account has been placed in a suspend status for days to allow you time to return the Certification/Agreement of Cooperation of Identity Theft Claims form and the required documentationShould you have any questions or concerns regarding this information please feel free to contact Laurie [redacted] at XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) Please send all documents to my address on file for me to review Final Business Response / [redacted] (4000, 9, 2015/09/23) */ On September 14, 2015, Educational Credit Management Corporation (ECMC) responded timely to your complaint filed with the Revdex.com on September 2, You indicated you did not accept the response and your new inquiry was forwarded to ECMC September 15, You requested documents be sent to your address on file for reviewAttached please find documents ECMC received from Affiliated Computer Services which include deferment and forbearance requests, copies of your check stubs and a notice of unemployment insurance awardThese documents will also be mailed to you on September 24, As stated in our first response if you believe the student loans held by ECMC were the result of identity theft, please complete the attached Certification/Agreement of Cooperation of Identity Theft Claims form, which is required by the Department of Education to review a claim of identity theftIn addition, ECMC also mentioned your claim would be reviewed once the notarized form and all required documentation were received If you have questions regarding this information please contact Laurie ***- ECMC Research Resolution Specialist [redacted]

I am rejecting this response because: First of all, I did not receive response to my request for validation within the specified days per Texas Finance Code There is no evidence to support ECMC's claim to have sent this information in time Furthermore, any attempt at a validation at this point comes too little too late I have already suffered substantial damages due to this debt collector's willful negligence I am making every effort to resolve this matter without presenting this case before a courtroom jury I am respectfully requesting ECMC delete the invalidated account from my credit reports immediately

Initial Business Response / [redacted] (1000, 5, 2016/03/16) */ Educational Credit Management Corporation (ECMC) has reviewed your concernsYou state your phone number XXX-XXX-XXXX has been incorrectly associated with an ECMC account that does not belong to youECMC located your number on our system and removed it from the associated accountWe apologize for any inconvenience the calls may have caused youECMC is a Federal Guarantee Agency that participates in the Federal Family Education Loan Program (FFELP)Should you have any further questions or concerns, you may contact Pam [redacted] ECMC Research Resolution Specialist at XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/03/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) ECMC indicates they have removed my cell phone # from the incorrectly associated ECMC accountHopefully, they will honor their word and I will not receive any further phone calls

This is in response to your complaint against Educational Credit Management Corporation (ECMC) filed with the Revdex.com on November 11, regarding the default status and collection activity on this student loan debtAttached is a summary listing the student loans ECMC holds in your name and social security number, as well as the electronically signed promissory note you signed to obtain the loansThe loans were disbursed to pay education expenses while attending [redacted] UniversityThe loans were originally funded by Wells Fargo, later sold to Navient and SLM Trusts and serviced by Navient SolutionsTo verify this information and confirm all federal student loans under your name and social security number, ECMC advises you to check with the US Department of Education’s (ED) National Student Loan Data System (NSLDS)The web address is www.nslds.ed.govIf you wish, you may access this information by calling ED/NSLDS toll-free at ###-###-####Information provided by Navient confirms you separated or withdrew from [redacted] University on September 13, You were eligible for a six month grace period, during which no payments were dueThe grace period expired on March 13, Once the grace period is used, it is not reinstated should the student return to schoolThe first payment was due on May 13, Navient confirms no payments were paid on the accountYou were granted months deferment and months forbearance, advancing the next payment due date to May 13, Once the loan became more than days past due, it went into default and a default claim was filed by NavientOn June 23, 2016, ECMC paid a default claim on the loan in the total amount of $83,167.50, and the loans were transferred to ECMC Pursuant to federal regulations governing the Federal Family Education Loan Program (FFELP), guaranty agencies must add collection costs on educational loan debt when the guaranty agency pays a default claim to the lending institution (C.F.R§ 682.410(b)(2))Regulation also requires all outstanding interest to be capitalized at the time of default (C.F.R§ 682.410(b)(4)) As a result of the capped interest, your new principal balance became $83, A review of ECMC records reflects when our attempts to reach you were unsuccessful, a Notice Prior to Wage Withholding was sent to you on November 14, This notice advises you ECMC--pursuant to federal law (U.S.C§ 1095a et seq.) - is ordering your employer to immediately withhold 15% of your disposable income for payment of your defaulted federal student loansThis notice explains you could avoid the garnishment if you establish a written payment arrangement or request a hearing within days of the date of the notice If no written or verbal response is received to this notice, an administrative wage garnishment order will be issued to your employer to deduct from your wages an amount equal to no more than 15% of your disposable pay for each period, or the amount permitted by U.S.C§ 1673, to repay your defaulted federal student loans held by ECMC You can avoid wage garnishment by entering into a repayment arrangementThese arrangements include Pay in Full, Settle in Full, Loan Rehabilitation and ConsolidationTo learn more about these options, you can view www.ecmc.org under the Resolving Default tab or visit www.studentaid.ed.gov under Repay your Loan - getting out of defaultTo enter into one of these arrangements or to receive further information specifically regarding this account, please contact ECMC at ###-###-#### In your Revdex.com complaint, you request ECMC no longer contact youECMC placed your account into a Do Not Contact status and suspended all future callsHowever, ECMC still has a duty under the federal student loan regulations to make diligent efforts to collect your defaulted federal student loanA do not contact request does not prevent ECMC from contacting your employer for the purposes of initiating administrative wage garnishment proceedings ECMC may also pursue other administrative remedies After reviewing this information, if it remains your position these are not your student loans, you may contact Customer Service at ###-###-#### to discuss the optionsIf I can be of further assistance, you can reach Trudy [redacted] , ECMC – Research Resolution Specialist at ###-###-#### or email [redacted] @ecmc.org

This is in response to the complaint you filed with the Revdex.com on July 14, concerning your defaulted student loans guaranteed by Educational Credit Management Corporation (ECMC)Following is an outline of the student loans previously held by ECMCOn October 20, 2003, one subsidized Stafford loan was disbursed for $2,625.00, and one unsubsidized loan was disbursed for $1,for educational expenses at Concord Career InstituteThe loans were serviced by Navient Solutions, Incand were originally guaranteed by the California Student Aid Commission (CSAC) Information provided by Navient confirms you separated from school on April 16, You entered into a six month grace period, during which time no payments were dueThe grace period expired on October 16, 2004, and the first payment was due November 8, No payments were received by NavientYou were granted months deferment and months forbearance, which advanced the due date to August 8, When the loans became days past due, Navient filed a default claim with CSACAs guarantor, CSAC paid the default claim in the amount of $4,Effective November 1, 2010, the U.SDepartment of Education assigned the CSAC loan portfolio to ECMC and ECMC became the new guarantor of the loansAccording to ECMC records, the loans were paid in full through consolidation on September 13, You have questions regarding ECMC’s reporting to the national Credit Bureaus In accordance with U.S.C§ 1080A(f)(1), U.S.C§ 1681c(a)(4) and C.F.R§ 682.410(b)(5), the FFELP requires, and the Fair Credit Reporting Act allows the guaranty agency to report defaulted information for seven years Because this seven year reporting requirement is due to expire August 8, 2016, ECMC has requested the credit reporting agencies to delete ECMC tradelinesECMC has no control over and is not responsible for how long it takes the consumer reporting agencies to update the accountIf you need further assistance, you may contact [redacted] , ECMC – Research Resolution Specialist at ###-###-####, or email [redacted]

This is in response to the Revdex.com (Revdex.com) complaint you filed regarding your tax offset, which was sent to Educational Credit Management Corporation (ECMC) on March 6, As a result, Pam ***, ECMC Research Resolution Specialist Lead, called the number you had listed on the Revdex.com complaint, ###-###-####, on March 8, 2017, received a message your mailbox was full so she sent an email to the address provided on the complaint, [redacted] In the email Ms [redacted] explained the following: Effective December 2, 2016, the U.SDepartment of Education (ED) assigned the South Carolina State Education Assistance Authority (SCEAA) loan portfolio to ECMCRecords reflect your defaulted Federal Family Education Loan Program (FFELP) loans previously held by SCEAA were consolidated into a Direct Consolidation Loan in November Due to some system conversion glitches from SCEAA to ECMC, your account was certified for tax offset in error ECMC just received notification to post the offset payment of $2,on March 7, The offset has been refunded and was mailed to you on March 9, 2017, to the mailing address you provided on the Revdex.com complaintECMC truly apologizes for any inconvenience this has causedIf you have any questions please feel free to contact Pam [redacted] at ###-###-#### or p***@ecmc.org

This is in response to your complaint filed with the Revdex.com on May 5, 2016, concerning your defaulted federal student loans guaranteed by Educational Credit Management Corporation (ECMC)As a federal guarantor, ECMC is required to participate in the Treasury Offset Program (TOP) and required to send notification to the U.SDepartment of Treasury on each defaulted borrower in our portfolio who is not in a current payment arrangement Through this program, Treasury may offset this debt against all payment streams authorized by law, either currently or in the future These payment streams may include (but are not limited to) federal and/or state tax refunds, Social Security benefits, and/or federal travel reimbursements Your account was certified for offset in On May 3, 2016, ECMC received notification from Nelnet to place your account on day hold based on your request for a total and permanent disability discharge application As a result, on May 8, 2016, ECMC notified Treasury to decertify your account from TOPOnce Treasury receives the notification, it can take approximately four to six weeks to complete the decertification processECMC has no control over how long it takes Treasury to decertify your account from offset ECMC has established a process by which borrowers who have had their social security offset may apply for a hardship refund of those funds Attached is a Non-Tax Offset Hardship Refund Request form for your review Once the application is submitted, ECMC will review the application for a hardship refund however there is no guarantee that a refund will be issued Please contact Nelnet at ###-###-#### 8:00am – 8:00pm ET seven days a week for any questions regarding your application or any questions regarding total and permanent disability discharge Should you have any questions regarding this information please contact Laurie ***, ECMC Research Resolution Specialist at ###-###-####

I am rejecting this response because: ECMC is in violation of the Fair Credit Reporting Act since I requested a forbearance that was ignoredI request that ECMC immediately remove the negative item they are reporting to the major credit reporting agenciesMy account was never late and they are in breach of the lawI have filed a lawsuit to take this matter to court if it cannot be resolved by outside of the judicial systemThank you

Please See Attached

This is in response to your complaint filed with the Revdex.com on March 23, 2016, concerning your defaulted student loan guaranteed by Educational Credit Management Corporation (ECMC)New York Higher Education Services transferred your account to ECMC on March 12, however they did not provide your bankruptcy informationBased on the bankruptcy discharge documents you provided along with your letter addressed to ECMC, which was received March 4, 2016, it was determined your subsidized Stafford loan disbursed October 19,in the amount of $2,was eligiblefor bankruptcy discharge Your loan held by ECMC was written off on March 24, Please contact Pam ***, ECMC Research Resolution, at ###-###-#### if you have any questions

This is in response to your January 30, rejection of Educational Credit Management Corporation (ECMC) Revdex.com January 20, response to your January 16, complaintAs advised in ECMC’s January 20, response, your loan rehabilitation agreement became voided because required paperwork was not receivedRequired paperwork cannot be altered, which is why your previous documents were rejectedAs long as you submit all paperwork without altering the agreement, all voluntary payments made within the grace period will count toward the rehabilitationAlso advised on January 20, ECMC will no longer attempt to arrange loan rehabilitation through the United States Postal ServiceYou will need to either contact the Default Resolution department at ###-###-#### or set the rehabilitation up at www.ecmc.orgECMC has reviewed the privacy error screen print you submitted with your rejectionThis warning was generated based on settings on your computerYou may wish to adjust your settingsECMC website is secureLoans issued under the FFELP provide an option for loan forgiveness via Total and Permanent Disability (TPD) Discharge Effective July 1, 2013, the regulations require all TPD inquiries to be handled by the U.SDepartment of Education via their TPD provider Nelnet You may contact Nelnet at ###-###-#### 8:00am – 8:00pm ET seven days a week, via their website www.disabilitydischarge.com or via their email address [email protected] I can be of further assistance, you may contact Trudy [redacted] , ECMC – Research Resolution Specialist at ###-###-####

Initial Business Response / [redacted] (1000, 5, 2016/02/19) */ This is in response to the complaint you filed with the Revdex.com on February 10, 2016, concerning your defaulted student loans guaranteed by Educational Credit Management Corporation (ECMC)As a result of the complaint, Laurie [redacted] ECMC Research Resolution Specialist, attempted to contact you February and 16, to discuss your concerns and left you message to contact herAs of February 19, 2016, no return call has been receivedThe following is an outline of your federal consolidation loan currently held by ECMC On August 15, you received a federal Consolidation loan in the amount of $11,The loan was serviced by Navient and originally guaranteed by the California Student Aid Commission (CSAC)Please find a copy of the promissory note you signed to obtain this loan attached with our response Information provided by Navient indicates your first payment became due on October 14, Records reflect you made one payment in the amount of $200.90, which advanced the due date to November 14, When the loan became more than days past due, it went into default and Navient filed a default claim with CSACAs the guarantor, CSAC paid a default claim on December 14, in the amount of $12,Pursuant to Federal regulations governing the Federal Family Educational Loan Program (FFELP), guaranty agencies must add collection costs on educational loan debt when the guaranty agency pays a default claim to the lending institution (C.F.R§ 682.410(b)(2))In addition, all outstanding interest was capitalized at the time the default claim was paid (C.F.R§ 682.410(b)(4))Due to the default and capitalized interest, the claim amount of $12,became your new principal balance According to CSAC you entered into a loan rehabilitation agreement on October 21, 2009, which acknowledged and reaffirmed the debtIn this agreement you agreed to make nine monthly on time payments in the amount of $The first payment of your rehabilitation posted October 27, and the last payment June 29, Attached is a copy of your CSAC payment historyUpon timely receipt of the final rehabilitation payment, CSAC located a lender to buy back your loanOn July 16, 2010, CSAC received repurchase funds from Suntrust Bank in the amount of $14,Your loan was successfully rehabilitated and removed from defaultAt this time American Education Services (AES) became the new servicer of your loan Information provided by AES indicates your first payment was due August 23, 2010, you made five months' worth of payments totaling $805.00, were granted months of deferment and months of forbearance, which advanced the due date to February 1, Please note interest is capitalized and added to the principal balance at the end of a forbearance period, which causes your principal balance to increaseAES records reflect no further forbearance, deferment or payments were processed on your loanWhen your loan became more than days delinquent, it again went into defaultEffective November 1, 2010, the U.SDepartment of Education (ED) assigned the CSAC student loan portfolio to ECMCOn February 26, 2015, ECMC paid a default claim on your loan in the amount of $37,Due to the default and capitalized interest, the claim amount of $37,became your new principal balance ECMC sent you the required Notice of Default (NOD) dated March 1, This notice informed you of your rights, consequences of default and outlined the steps a federal guarantor may pursue on defaulted student loans, In addition the NOD provided options to remove your loans from default and contact information to set up a payment arrangement As a federal guaranty agency, ECMC is required to participate in the Treasury Offset Program (TOP) and must provide information to the ED on all defaulted accounts in which a voluntary arrangement has not been reachedAs part of this process, ECMC mailed a written notice to you dated August 15, with the last known address provided by the Department of TreasuryThis notice explained the offset process and also provided you options for avoiding the offsetWhen no response to the letter was received, ECMC placed your name on the certification file which was processed in November Through TOP, ED may request the Department of Treasury to offset this loan debt against all payment streams authorized by law, either currently or in the futureThese payment streams may include (but are not limited to) federal and/or state tax refunds, social security benefits, and/or federal travel reimbursementsThe account remains certified for TOP until you make a satisfactory payment arrangements on the loan or otherwise bring the loan out of default As of the date of this letter your current balance is $19,Of that amount $15,is principal, $interest, and $3,collection costsOn February 17, 2016, ECMC received notification to post a treasury offset payment in the amount of $3,Attached is a copy of your ECMC payment history ECMC has established a process by which borrowers who have had their tax refund offset may apply for a hardship refund of those fundsThe process requires the borrower to set up a satisfactory payment arrangement on the accountOnce that is done, ECMC will review the borrower's application for a hardship refund however there is no guarantee that a refund will be issuedAttached is a Tax Offset Hardship Refund Request form for your review There are several options available for defaulted borrowers such as pay in full, settle in full, or consolidationTo learn more about these options, you can view www.ecmc.org under the Resolving Default tab or visit www.studentaid.ed.gov under Repay your Loan - getting out of defaultTo enter into one of these arrangements or to receive further information specifically regarding your account, please contact ECMC at X-XXX-XXX-XXXX If you have any questions regarding this information please contact Laurie at XXX-XXX-XXXX Final Business Response / [redacted] (1000, 7, 2016/02/23) */ This is in response to the complaint you filed with the Revdex.com on February 10, 2016, concerning your defaulted student loans guaranteed by Educational Credit Management Corporation (ECMC)As a result of the complaint, Laurie [redacted] ECMC Research Resolution Specialist, attempted to contact you February and 16, to discuss your concerns and left you message to contact herAs of February 19, 2016, no return call has been receivedThe following is an outline of your federal consolidation loan currently held by ECMC On August 15, you received a federal Consolidation loan in the amount of $11,The loan was serviced by Navient and originally guaranteed by the California Student Aid Commission (CSAC)Please find a copy of the promissory note you signed to obtain this loan attached with our response Information provided by Navient indicates your first payment became due on October 14, Records reflect you made one payment in the amount of $200.90, which advanced the due date to November 14, When the loan became more than days past due, it went into default and Navient filed a default claim with CSACAs the guarantor, CSAC paid a default claim on December 14, in the amount of $12,Pursuant to Federal regulations governing the Federal Family Educational Loan Program (FFELP), guaranty agencies must add collection costs on educational loan debt when the guaranty agency pays a default claim to the lending institution (C.F.R§ 682.410(b)(2))In addition, all outstanding interest was capitalized at the time the default claim was paid (C.F.R§ 682.410(b)(4))Due to the default and capitalized interest, the claim amount of $12,became your new principal balance According to CSAC you entered into a loan rehabilitation agreement on October 21, 2009, which acknowledged and reaffirmed the debtIn this agreement you agreed to make nine monthly on time payments in the amount of $The first payment of your rehabilitation posted October 27, and the last payment June 29, Attached is a copy of your CSAC payment historyUpon timely receipt of the final rehabilitation payment, CSAC located a lender to buy back your loanOn July 16, 2010, CSAC received repurchase funds from Suntrust Bank in the amount of $14, Your loan was successfully rehabilitated and removed from defaultAt this time American Education Services (AES) became the new servicer of your loan Information provided by AES indicates your first payment was due August 23, 2010, you made five months' worth of payments totaling $805.00, were granted months of deferment and months of forbearance, which advanced the due date to February 1, Please note interest is capitalized and added to the principal balance at the end of a forbearance period, which causes your principal balance to increaseAES records reflect no further forbearance, deferment or payments were processed on your loanWhen your loan became more than days delinquent, it again went into defaultEffective November 1, 2010, the U.SDepartment of Education (ED) assigned the CSAC student loan portfolio to ECMCOn February 26, 2015, ECMC paid a default claim on your loan in the amount of $17,Due to the default and capitalized interest, the claim amount of $17,became your new principal balance ECMC sent you the required Notice of Default (NOD) dated March 1, This notice informed you of your rights, consequences of default and outlined the steps a federal guarantor may pursue on defaulted student loans, In addition the NOD provided options to remove your loans from default and contact information to set up a payment arrangement As a federal guaranty agency, ECMC is required to participate in the Treasury Offset Program (TOP) and must provide information to the ED on all defaulted accounts in which a voluntary arrangement has not been reachedAs part of this process, ECMC mailed a written notice to you dated August 15, with the last known address provided by the Department of TreasuryThis notice explained the offset process and also provided you options for avoiding the offsetWhen no response to the letter was received, ECMC placed your name on the certification file which was processed in November Through TOP, ED may request the Department of Treasury to offset this loan debt against all payment streams authorized by law, either currently or in the futureThese payment streams may include (but are not limited to) federal and/or state tax refunds, social security benefits, and/or federal travel reimbursementsThe account remains certified for TOP until you make a satisfactory payment arrangements on the loan or otherwise bring the loan out of default As of the date of this letter your current balance is $19,Of that amount $15,is principal, $interest, and $3,collection costsOn February 17, 2016, ECMC received notification to post a treasury offset payment in the amount of $3,Attached is a copy of your ECMC payment history ECMC has established a process by which borrowers who have had their tax refund offset may apply for a hardship refund of those fundsThe process requires the borrower to set up a satisfactory payment arrangement on the accountOnce that is done, ECMC will review the borrower's application for a hardship refund however there is no guarantee that a refund will be issuedAttached is a Tax Offset Hardship Refund Request form for your review There are several options available for defaulted borrowers such as pay in full, settle in full, or consolidationTo learn more about these options, you can view www.ecmc.org under the Resolving Default tab or visit www.studentaid.ed.gov under Repay your Loan - getting out of defaultTo enter into one of these arrangements or to receive further information specifically regarding your account, please contact ECMC at X-XXX-XXX-XXXX If you have any questions regarding this information please contact Laurie at XXX-XXX-XXXX

This is in response to your complaint filed with the Revdex.com on April 15, Educational Credit Management Corporation (ECMC) has reviewed your concerns ECMC records reflect a payment posting to your account in the amount of $2,effective March 1, As a result of this payment, your account was paid in full On March 6, 2016, ECMC accurately reported the loan to the national credit bureaus as a (account paid in full was a collection account, insurance claim or government claim) with a zero balance Your complaint states the loan should have been removed from your credit report within days of being paid in full In accordance with U.S.C§ 1080A(f)(1), U.S.C§ 1681c(a)(4) and C.F.R§ 682.410(b)(5), the Federal Family Education Loan Program (FFELP) requires, and the Fair Credit Reporting Act allows the guaranty agency to report defaulted information for seven years from the date on which the guarantor paid a claim to the holder on the guarantyYour default claim was paid on June 3, and as a result is eligible for reporting until June 3, ECMC has submitted a request to the consumer reporting agencies to mark the account as disputedECMC has no control over and is not responsible for how long it takes the consumer reporting agencies to update the account as disputed If you have further questions you may contact Laurie ***, ECMC Research Resolution Specialist at ###-###-####

On August 25, 2016, you filed a complaint with the Revdex.com This complaint was directed to the attention of Educational Credit Management Corporation (ECMC), a student loan guarantor of federal student loan debt under the Federal Family Educational Loan Program (FFELP)You continue to dispute an issue that has been addressed by ECMC Office of the Ombudsman in the pastFollowing is a summary of ECMC’s past responsesOn January 25, 1985, a student loan was taken out under your name and social security number for educational expenses while attending [redacted] UniversityOn the promissory note, [redacted] University certified your enrollment and the student loanECMC provided you with loan documents on August 1, After receiving loan documents provided by ECMC, you contacted ECMC Ombudsman on August 5, ECMC Ombudsman advised the account is being researched regarding your assertion you did not take out this loanYou advised ECMC you had a letter from [redacted] University advising they had no record or your enrollment On August 9, 2013, ECMC advised you that the school confirmed your enrollment at [redacted] and the student loan by certifying the information on the loan documents, and [redacted] will have to answer to what happened to the student loan disbursement On August 12, after receiving a copy of the letter provided to you by [redacted] University, ECMC contacted [redacted] University regarding this issueECMC advised [redacted] it had their certification of your enrollment and provided them with copies of the loan documentsOn the same day, [redacted] University contacted ECMC and advised they will “look into” returning the $2,500.00, since there was no record of your enrollmentOn August 13, 2013, ECMC advised you of this ongoing researchOn August 19, 2013, ECMC was advised by [redacted] University via email that they were unwilling to refund the $2,because they could find no record of actually receiving the loan proceedsECMC began working with the lender of the funds for the cancelled loan check, but never heard backOn August 28, 2013, ECMC advised you of these events and directed you to [redacted] University for further disputeYou were also advised by ECMC that since there was no resolution with [redacted] University, you are responsible for this debt and collection activity would continueHad [redacted] University refunded the disbursed amount of $2,500.00, this would have cancelled the debtAt no time did ECMC advise you that if the $2,was received from [redacted] University you would remain responsible for the outstanding interest or costs, nor did ECMC demand the full remaining balance from [redacted] University If you wish to continue this dispute, again, you will need to address the issue with [redacted] UniversityYou requested to no longer be contacted by telephoneECMC will remove your phone number however you will still be responsible for the debtECMC may pursue other collection activity such as administrative wage garnishment and/or certifying your debt for the treasury offset program (TOP) Through TOP the Department of Education (ED) may request the US Department of Treasury (Treasury) offset this loan debt against all payment streams authorized by law, either currently or in the future These payment streams may include (but are not limited to) Federal and/or State tax refunds, Social Security Benefits, and/or Federal Travel reimbursements ECMC is required to participate in TOP and is required to provide the names of all accounts that are in default and not in arrangements with ECMC to ED who provides to the TreasuryThere are several options available for defaulted borrowers such as Pay in Full, Settle in Full, Rehabilitation and ConsolidationTo learn more about these options, you can view www.ecmc.org under the Resolving Default tab or visit www.studentaid.ed.gov under Repay your Loan - getting out of defaultTo enter into one of these arrangements or to receive further information specifically regarding your account, please contact Pioneer Credit at ###-###-#### If I can be of further assistance, you may contact Trudy [redacted] , ECMC Research Resolution Specialist at ###-###-####, or email t [redacted] @ecmc.org

Initial Business Response / [redacted] (1000, 5, 2015/09/11) */ This is in response to your Revdex.com complaint dated September 2, concerning your federal student loans, currently held by Educational Credit Management Corporation (ECMC)Your complaint stated you were receiving multiple calls at a place of employment where you are a contractor and you do not wish to be contacted thereECMC records reflect that one of our representatives contacted your place of employment on August 28, At that time she left a non-descript message asking that you return her call regarding a personal business matterOn September 1, our representative again attempted to contact you at XXX-XXX-XXXXIn accordance with federal law, a guarantor is required to directly contact a defaulted borrower in order to collect on his/her student loanSee, e.g., U.S.C§ 1078(c)(2)(A); U.S.C§ 1080(a); C.F.R§ 682.410(b)(6); C.F.R§ 682.200(b)On this date, ECMC records reflect a brief conversation between you and the representative in which the representative was asked to no longer call you at your work numberThat request was noted in your file and the number was marked do not call per your requestOur records reflect no further calls were placed to that number In your complaint you also state you have no knowledge of the amount ECMC claims you owe and you have never been provided with a detailed accounting of the debtFollowing is an outline of the loans currently held by ECMC On September 19, 2006, you requested and received one Federal Family Education Loan Program (FFELP) consolidation loan in the amount of $39,Your lender was Citibank ELT SLC, the servicer was Navient (Formerly known as Sallie Mae) and the California Student Aid Commission (CSAC) was the guarantorAttached is a copy of the promissory note you signed for LN On June 19, 2007, you requested and received one FFELP consolidation loan in the amount of $7,Your lender was Citibank ELT SLC, the servicer was Navient and the California Student Aid Commission (CSAC) was the guarantorAttached is a copy of the promissory note you signed for LN On July 16, 2007, you were disbursed one Stafford subsidized and one Stafford unsubsidized loan in the amount of $3,for your attendance at Capella UniversityYour lender was Citibank ELT SLC, the servicer was Navient and the guarantor was Great Lakes Higher Education Corporation (GLHEC)Attached is a copy of the master promissory note you signed On February 4, you were disbursed one Stafford Subsidized loan in the amount of $1,for your educational expenses at Kaplan UniversityYour lender was Citibank ELT SLC, the servicer was Navient and the guarantor was CSACAttached is a copy of the master promissory note you signed Effective November 1, 2010, the U.SDepartment of Education assigned the CSAC student loan portfolio to ECMC and at that time ECMC became the guarantor of your CSAC loans On July 6, you filed a Chapter bankruptcyAs a result of the bankruptcy, ECMC paid bankruptcy claims to Navient on August 14, GLHEC also paid bankruptcy claims to Navient on August 14, and transferred their loans to ECMC effective September 5, On June 7, ECMC was notified your bankruptcy had been dismissed June 6, Upon receipt of notification that a bankruptcy action has been dismissed or discharged, federal regulation C.F.R§ 682.402(h) requires the remaining balance of a student loan that was not in a default at the time the bankruptcy petition was filed be repurchased by a lenderAs none of your loans were in default, Navient repurchased all of your loans as outlined below: LNin the amount of $47,effective September 9, LNin the amount of $9,effective September 6, LN10, and in the amount of $7,effective August 16, Upon repurchase Navient established the due date for the consolidation loans as September Navient records reflect months of forbearance which advanced the due date to April The three Stafford loans had a due date of August and were also granted months of forbearance which advanced the due date to March Navient records reflect no further deferment, forbearance or payments on these accounts Once the loans became greater than days past due, the loans went into defaultECMC paid default claims on April 23, and May 21, in the amounts of $7,and $65,respectively Pursuant to federal regulations governing the FFELP, guaranty agencies must add collection costs on educational loan debt when the guaranty agency pays a default claim to the lending institution (C.F.R§ 682.410(b)(2))Guaranty agencies must capitalize all outstanding interest at the time of default (C.F.R§ 682.410(b)(4)) As of September 10, 2015, your balance is $92,Of that amount $72,is principal, $1,interest and $17,collection costsAny payments received by ECMC are applied as required by federal regulations: first to outstanding costs, then to outstanding interest and then to the principal balance (C.F.R§ 682.404(f))ECMC records reflect no payments made to these loans after default Your loans have been placed with ECMC's internal collection departmentThere are several options available for defaulted borrowers such as payment in full, settlement in full, loan rehabilitation, or loan consolidationTo read more about these options you can view www.ecmc.org under the manage Default tab or www.studentaid.ed.gov under the Repay your Loans - getting out of defaultTo enter into one of these arrangements or to receive information specifically regarding your account, please contact ECMC at X-XXX-XXX-XXXXIf you do not wish to speak to a representative, you may establish an agreement online at www.ecmc.org, under manage my defaulted loans For further assistance or questions regarding this letter, please contact me directly at XXX-XXX-XXXX Laurie [redacted] ECMC Research Resolution Specialist

On September 20, you filed a complaint with the Revdex.com (Revdex.com) against Educational Credit Management Corporation (ECMC) ECMC Ombudsman, Diane [redacted] reached out to you on September 25, to discuss your concernsIt was determined in that conversation that Ms [redacted] will address your concerns directlyMs [redacted] will again contact you to reach a resolutionMs [redacted] can be reached at ###-###-####

I am rejecting this response because: I still have not seen proof of mailing with tracking showing it was received to my address on file (that would satisfy a court judge example being a certified mail receipt) on this "claimed" letter that is SUPPOSEDLY SO IMPORTANT that I had to fill out and return within days or my loans would go into defaultThe first communication I EVER received about my loans was a notice of default in March Had I received the claimed letter in a timely manner it would have prevented this entire disputeI had to get in contact with the Federal OMBUDSMAN group JUST to get it sent to me in April, which is when I filled out and returned immediately (which is supposedly "too late")If I do not see a proof of mailing that I can take to USPS to investigate and determine what happened to the initial letter that was supposedly sent in February, I intend to file a lawsuit within the next days in my local small claims court against ECMC for damages under the California credit reporting laws for reporting incorrect information on my credit file under my nameI have kept a log of all my communications

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.

Final Consumer Response /* (2000, 6, 2015/12/03) */
I received a call from Pam from ECMC last nightShe is resolving the issue and settling my rehabilitationShe apologized for the situation and incorrect information
I am super stoked with this outcome!