A plus Title Pawn

Initial Business Response /* (1000, 5, 2016/02/11) */
This is in response to your complaint filed with the Revdex.com on February 3, 2016, concerning your defaulted student loans guaranteed by Educational Credit Management Corporation (ECMC)As a result of the complaint, Laurie ***
ECMC Research Resolution Specialist, called and spoke to youOn February 11, we addressed the resolution of your current concernsShould you require additional assistance or have further questions please contact Laurie at XXX-XXX-XXXX

On May 23, 2017, Educational Credit Management Corporation (ECMC) received your Revdex.com (Revdex.com) complaint and responded timely on June 1, You indicated you did not accept the response and your new inquiry was forwarded to ECMC June 2, You are requesting documents signed by *** *** to prove you owe the “supposed debt”It is your claim these student loans do not belong to you therefore ECMC is unable to provide any signed documentation to someone who is not the account holderPlease note, after a review of the documents associated with the account in question, ECMC has changed the last name on the account from *** to ***. As stated in the first response, after reviewing this information, should you still believe these loans do not belong to you, please complete the Certification/Agreement of Cooperation of Identity Theft Claims (ID Theft) affidavit provided and contact Laurie ***, ECMC Research Resolution Specialist, at ###-###-####Ms*** will be able to further assist you with this matter Should you determine the loans do belong to you, there 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 this account, please contact ECMC at ###-###-####

I am rejecting this response because:It is very clear that I never attended this University and the fact that could not get a copy of the cancelled check should be more then reason to clear my nameAlso there telling me to go after *** *** University to collect money that they claim was deposited to them for cl;as that I never attendedTo force me to pay for a loan I never took out nor attended that school is unfair to me too be subjected to being forced to pay for this loanUnder the fair credit act I,m sure they have to be 100% sure the loan is mine and I owe itOnce again Ive got a letter from the University that makes it very clear Ive never went to there School nor taken any classes at anytime in there UniversityAlso if they are claiming that *** *** received this money then they should be going after the University not meAlso there has to be a statue of limitation on this as well, where talking about plus years ago. *** ***

I am rejecting this response because:
This account still remains on my credit report as a negative accountI want this account deleted from my credit report

Please see attached response from Educational Credit Management Corporation (ECMC)

I am rejecting this response because: ECMC has not yet provided signed documents and a written contract to prove the supposed debt that will tell me that I have been subject to identity theft All I have ever gotten are letters with this name claiming that I owe
a student loan If they say that *** *** has signed a loan with my social security I want to see evidence of this before I proceed with an identlty theft complaint and costly procedure when I don't even have evidence of it I want to see a written contract where the supposed *** *** signed a student loan with my social security so that I can proceed accordingly. Thank you so much for your valuable assistance

I am rejecting this response because:
ECMC has not been processing information correctlyThey had not informed my employer nor the E.O.Dthat they had been paid in full...I have confirmation that ECMC has received even more money than that stated in this
response as wellWritten confirmation from my employers HR team

On February 6, 2017, Educational Credit Management Corporation (ECMC) responded timely to your complaint filed with the Revdex.com on January 26, 2017. You indicated you did not accept the response and your new inquiry was forwarded to ECMC February 7, 2017. As stated in the previous responses, ECMC refunded two Administrative Wage Garnishment (AWG) payments totaling $received after your consolidation funding was postedOn February 7, 2017, ECMC received another AWG payment from your employer in the amount of $63.22, which was refunded February 10, Attached is a copy of your ECMC payment summaryPlease note ECMC is not responsible for how long it takes your employer to process any AWG related documentation or to forward payments to ECMCECMC did confirm with your employer today they received the AWG release on February 1, however refused to confirm the last payment made to ECMC. Your employer did state you will have to contact the payroll department directly for that information. Please contact your employer directly for any information relating to the AWG release or payment processingPlease contact Pam ***, ECMC Research Resolution Specialist Lead at ###-###-#### if you have any questions or additional concerns

Please see attached

Response was provided to consumer

Initial Business Response /* (1000, 5, 2015/10/08) */
This is in response to your complaint filed with the Revdex.com on September 29, 2015, concerning your defaulted student loan guaranteed by Educational Credit Management Corporation (ECMC)As a result of the complaint, Pam ***
ECMC Research Resolution Specialist, called you on September 30, to discuss your concernsYour account is currently placed with *** *** *** *** a third party debt collection agencyBrian, the manager you spoke with works for *** Since your loan is held by ECMC, all settlement offers are handled and approved by ECMCA new setttlement letter was sent to you on September 30, containing the information you requested
Your inquiry also includes allegations of rude and unprofessional conductWe investigate and take all such allegations very seriouslyECMC does not condone or tolerate rude, harassing or unprofessional behaviorWe appreciate such concerns being brought to our attentionIf you have further questions or need assistance please contact Pam at XXX-XXX-XXXX
Initial Consumer Rebuttal /* (2000, 7, 2015/10/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Only if the default states is removed from *** xxx-xx-when the $check is cashed as final payment and *** is again in good standing with all student loan agencies and departments There is no further collection needed because the loan is paid in full and in good standing***

Diane ***, Educational Credit Management Corporation (ECMC) Ombudsman, has been in direct contact with Ms*** *** in regards to her defaulted federal student loans currently held by ECMC. After the conversation, Ms*** requested a refund in the amount of $which was mailed to Ms*** October 4, 2017. Ms*** also explained the need to enter into a payment arrangement on the defaulted loans in order to avoid potential future offsets of her income. Ms*** provided her direct phone number for any future concerns or questions ###-###-####

Please see attached response

This is in response to your Revdex.com complaint dated July 6, concerning your federal student loan previously held by Educational Credit Management Corporation (ECMC) In your latest Revdex.com complaint, you are requesting validationOn May
25, 2016, ECMC received this request, and ECMC sent a written response on June 9, ECMC has attached a copy of the response for your review Your remaining concerns regarding ECMC credit bureau reporting have been addressedPlease refer to ECMC Revdex.com response of May 27, In addition, based on your rejection of this response, ECMC Research Resolution Specialist Trudy *** contacted you on May 31, and advised you of ECMC’s credit bureau reporting requirementsMs*** also advised that based on the information provided by Affiliated Computer Services (ACS), ECMC is reporting your federal student loan information correctly to the credit bureausIt is ECMC’s position that all credit bureau reporting issues have been thoroughly addressed by ECMC If I can be of further assistance, you may contact Trudy ***, Research Resolution Specialist at ###-###-####, or email ***@ecmc.org

I am rejecting this response because:The problem has not yet been resolvedI have contacted Ms*** and emailed her the information that she requestedI am still waiting on reimbursement of my pay checks

Response to consumers rejection of initial response is attached

On September 4, 2016, Educational Credit Management Corporation (ECMC) responded timely to your complaint filed with the Revdex.com on August 25, 2016. You indicated you did not accept the response and your new inquiry was forwarded to ECMC September 6, You again expressed the same concerns and continue to claim you are not responsible for this debtPlease refer to ECMC September 4, responseECMC maintains its position that you are responsible for this debt and must address the issue with *** University due to the following: *** University certified your attendance on the loan documentsStudent loan funds were disbursed to pay education expenses while attending *** UniversityECMC has no control over another agency’s record retention policiesThis includes banks and colleges. Until ECMC receives documentation you are not responsible for this debt, ECMC’s position is you are liable for repayment*** University’s letter dated August 1, contradicts their certification on student loan documents, and therefore does not provide proof the funds were not disbursed to either *** University or yourselfRegarding your concerns about the statute of limitations, there is no statute of limitations for collections on a defaulted student loan debtFor information on the statute of limitations for student loan collections you may refer to the Higher Education Technical Amendment of 1991, HR(Public Law 102-26) signed on April 9,

I am rejecting this response because: it does not state that they will remove the inaccurate item from my credit file with the major credit bureaus. The loan service provider prior to ECMC failed to process my request for forbearance which resulted in a credit default. I was in good faith and since I was unemployed, I repeatedly asked for ways to defer my student loans. ECMC is required by law to furnish proof and report with 100% accuracy. If they cannot, then they must remove the item from my credit file. Looking forward to a fair resolution in this matter.

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 [redacted], ECMC Research Resolution Specialist, contacted you on April 6, 2016...

to discuss your concerns.  ECMC records reflect you successfully completed a rehabilitation on January 29, 2016. 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, 2016.  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 /* (1000, 5, 2015/06/18) */
On May 13, 2015 you filed a complaint with the Revdex.com (Revdex.com) regarding your federal loans guaranteed by Educational Credit Management Corporation (ECMC). ECMC does not believe this complaint pertains to any loans previously held...

by ECMC as our records indicate [redacted] is the current holder of your loans. For information regarding your account please contact [redacted] at X-XXX-XXX-XXXX.
Based on your complaint, you stated ECMC has refused to look into your claim of falsified Ability to Benefit (ATB) scores. On April 4, 2012, ECMC received your loan discharge application based on False Certification due to ATB. ECMC sent a response dated May 8, 2012, which stated your application was denied based on information provided by the school. Attached is a copy of the letter and a CPAT Student Score Report reflecting you took and passed the required ATB test at Everest College.
You exercised your right to appeal ECMC's decision with the Department of Education (ED). Attached is a copy of ED's response dated December 26, 2012 which upheld ECMC's determination to deny your application. On April 4, 2015, ECMC received an email from you requesting a loan discharge based on False Certification due to ATB. ECMC responded to your inquiry on June 2, 2015 which explained your loans did not meet ED's criteria for discharge based on False Certification due to ATB. For your convenience a copy of the letter is attached.
Please feel free to contact [redacted] ECMC Research Resolution Specialist at XXX-XXX-XXXX if you have questions regarding the information provided.
Initial Consumer Rebuttal /* (3000, 7, 2015/06/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The school falcified everything I did not take any test to enter the program the school has been accused of a lot of fraudulent acitivities but ECMC refuses to look into it and just denied me because they submitted a dsocument that doesnt have my signature or can they prove I took this test. ECMC is there protect us the victums but they refuse too they are doing everything the opposite. I am a victum and ECMC refuses to look into it I want copies showing that it was me so signed everything and that it was me taking those test. At the time spanish was my first language so they took advantage of my situation
Final Business Response /* (4000, 9, 2015/06/23) */
On June 11, 2015, Educational Credit Management Corporation timely responded to your complaint filed with the Revdex.com. You indicated you did not accept the response and your new inquiry was forwarded to ECMC June 19, 2015. Again you state ECMC has refused to look into your issue. In our first response we provided copies of previous correspondence and enclosures demonstrating we have reviewed your concerns. ECMC also explained the reason your application due to false certification ability to benefit was denied and the Department of Education (ED) upheld our determination.
Please go to www.studentaid.gov/Corinthian or call [redacted] to determine if there are other options available to assist you.