Educational Credit Management Corporation

Initial Business Response /* (1000, 5, 2016/02/11) */
This is in response to your complaint filed with the Revdex.com on February 2, 2016, concerning your defaulted student loans guaranteed by Educational Credit Management Corporation (ECMC). ECMC responded to your Consumer Financial...

Protection Bureau (CFPB) complaint filed April 14, 2015 regarding the same concerns on April 27, 2015. For your convenience, we have attached copies of the response and enclosures. Additionally Pam [redacted] ECMC Research Resolution Specialist, contacted you on June 23, 2015 as a result of a Federal Student Aid Ombudsman referral, left you a message to contact the University of Phoenix directly and provided their contact information.
In our previous research, ECMC reached out to the University of Phoenix to obtain any records regarding attendance based on the FFELP loans. The school provided a copy of transcripts reflecting attendance between October 18, 2005 and December 21, 2009. We have included a copy of these transcripts for your review. They also provided a Request for Leave of Absence form signed and dated December 1, 2009, which is also included for your review. We spoke to Raquel [redacted] University Relations Lead in the Office of Dispute Management at the University. Their records reflect on August 9, 2012, you submitted a letter to the University stating you were the victim of identity theft and enclosed a copy of a police report you filed September 24, 2011. The University responded on August 22, 2012 and enclosed an ID Theft Affidavit packet, which is required to review your claim. Attached is a copy of the letter and enclosures for your records. If you have any questions or wish to further dispute these loans, please contact the University directly at [redacted]@phoenix.edu.
A review of ECMC records reflects when our attempts to reach you by telephone and mail were unsuccessful, a Notice Prior to Wage Withholding was sent to you on January 11, 2016. This notice advised you ECMCpursuant to federal law (20 U.S.C. § 1095a et seq.) - was ordering your employer to immediately withhold 15% of your disposable income for payment of your defaulted federal student loans. This notice explained you could stop the garnishment if you established a written payment arrangement or requested a hearing within 30 days of the date of the notice. On February 9, 2016, ECMC received your timely request for an administrative wage garnishment hearing.
Should you have any questions regarding your account or the status of your hearing please contact an ECMC representative at X-XXX-XXX-XXXX. Please feel free to contact Pam at XXX-XXX-XXXX if you need additional information or have questions.
Initial Consumer Rebuttal /* (3000, 7, 2016/02/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I find this ironic that I have NEVER received any email and/or phone call from a Pam [redacted] about this matter and neither has my attorney that I have retained. All I have EVER received from ECMC is that my wages are garnished on/off for the past almost six years including my tax refund in which ECMC has garnished for now three years. Additionally, why would ECMC now state that they are providing documents when they have never done so in the past? This is just baffling to me as that they have been "contacting me" for years when my cell phone number hasn't changed since I acquired the number in 1999 and my physical address has been the same for four years as well. I have again submitted dispute documents to ECMC about this matter in both email and fax form and it's nice to know that they have finally acknowledged that they received the documents. Additionally, ECMC has stated that they have attached all sorts of documents within their response. I do not see those documents attached and respectfully requesting that these documents be sent to me so that I may turn these over to my attorney for review and course of action.
Final Consumer Response /* (3000, 11, 2016/02/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I truly do appreciate that ECMC has finally responded after almost six years of both myself and my attorney trying to obtain the information that ECMC has been garnishing me on. I am in the process of filling out the paperwork with my attorney and will be sending the documents in early next week. Unfortunately, ECMC now has started to call my cell phone number at all times of the day and night (as late as 9pm) with the typical "you need to pay your bill" phone call. I am really tired of ECMC having their collections people call me at all times of the day especially on my cell phone which according to FCC is illegal.
Final Business Response /* (4000, 13, 2016/03/01) */
On February 11 and 12, 2016 Educational Credit Management Corporation (ECMC) responded timely to your complaints filed with the Revdex.com on February 5, 2016. You indicated you did not accept the responses and your new inquiry was forwarded to ECMC February 24, 2016. As of February 19, 2016, your account was placed in a collection suspend status for 60 days to allow you time to complete and return the Loan Discharge Application: False Certification (Unauthorized Signature/Payment) application that was mailed to you that same day.
On March 1, 2016 you sent an email to ECMC regarding an administrative wage garnishment hearing. ECMC responded with the following information:
Please submit the financial statement with supporting documentation as well as the False Certification Unauthorized Signature/Payment application for review. You may scan an email the requested documents to [redacted]@ecmc.org or they may be faxed to [redacted]
Please feel free to contact Pam [redacted] at XXX-XXX-XXXX if you have any questions.

Initial Business Response /* (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 12 and 16, 2016 to discuss your concerns and left you message to contact her. As of February 19, 2016, no return call has been received. The following is an outline of your federal consolidation loan currently held by ECMC
On August 15, 2007 you received a federal Consolidation loan in the amount of $11,361.46. 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, 2007. Records reflect you made one payment in the amount of $200.90, which advanced the due date to November 14, 2007. When the loan became more than 270 days past due, it went into default and Navient filed a default claim with CSAC. As the guarantor, CSAC paid a default claim on December 14, 2008 in the amount of $12,316.22. 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 (34 C.F.R. § 682.410(b)(2)). In addition, all outstanding interest was capitalized at the time the default claim was paid (34 C.F.R. § 682.410(b)(4)). Due to the default and capitalized interest, the claim amount of $12,316.22 became your new principal balance.
According to CSAC you entered into a loan rehabilitation agreement on October 21, 2009, which acknowledged and reaffirmed the debt. In this agreement you agreed to make nine monthly on time payments in the amount of $166. The first payment of your rehabilitation posted October 27, 2009 and the last payment June 29, 2010. Attached is a copy of your CSAC payment history. Upon timely receipt of the final rehabilitation payment, CSAC located a lender to buy back your loan. On July 16, 2010, CSAC received repurchase funds from Suntrust Bank in the amount of $14,171.48. Your loan was successfully rehabilitated and removed from default. At 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 18 months of deferment and 18 months of forbearance, which advanced the due date to February 1, 2014. Please note interest is capitalized and added to the principal balance at the end of a forbearance period, which causes your principal balance to increase. AES records reflect no further forbearance, deferment or payments were processed on your loan. When your loan became more than 270 days delinquent, it again went into default. Effective November 1, 2010, the U.S. Department of Education (ED) assigned the CSAC student loan portfolio to ECMC. On February 26, 2015, ECMC paid a default claim on your loan in the amount of $37,082.27. Due to the default and capitalized interest, the claim amount of $37,082.27 became your new principal balance.
ECMC sent you the required Notice of Default (NOD) dated March 1, 2015. 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 reached. As part of this process, ECMC mailed a written notice to you dated August 15, 2015 with the last known address provided by the Department of Treasury. This notice explained the offset process and also provided you options for avoiding the offset. When no response to the letter was received, ECMC placed your name on the 2016 certification file which was processed in November 2015. 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 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. The 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 $19,108.00. Of that amount $15,347.94 is principal, $24.37 interest, and $3,735.69 collection costs. On February 17, 2016, ECMC received notification to post a treasury offset payment in the amount of $3,403. 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 funds. The process requires the borrower to set up a satisfactory payment arrangement on the account. Once that is done, ECMC will review the borrower's application for a hardship refund however there is no guarantee that a refund will be issued. Attached 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 consolidation. To 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 default. To 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 /* (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 12 and 16, 2016 to discuss your concerns and left you message to contact her. As of February 19, 2016, no return call has been received. The following is an outline of your federal consolidation loan currently held by ECMC
On August 15, 2007 you received a federal Consolidation loan in the amount of $11,361.46. 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, 2007. Records reflect you made one payment in the amount of $200.90, which advanced the due date to November 14, 2007. When the loan became more than 270 days past due, it went into default and Navient filed a default claim with CSAC. As the guarantor, CSAC paid a default claim on December 14, 2008 in the amount of $12,316.22. 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 (34 C.F.R. § 682.410(b)(2)). In addition, all outstanding interest was capitalized at the time the default claim was paid (34 C.F.R. § 682.410(b)(4)). Due to the default and capitalized interest, the claim amount of $12,316.22 became your new principal balance.
According to CSAC you entered into a loan rehabilitation agreement on October 21, 2009, which acknowledged and reaffirmed the debt. In this agreement you agreed to make nine monthly on time payments in the amount of $166. The first payment of your rehabilitation posted October 27, 2009 and the last payment June 29, 2010. Attached is a copy of your CSAC payment history. Upon timely receipt of the final rehabilitation payment, CSAC located a lender to buy back your loan. On July 16, 2010, CSAC received repurchase funds from Suntrust Bank in the amount of $14, 171.48. Your loan was successfully rehabilitated and removed from default. At 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 18 months of deferment and 18 months of forbearance, which advanced the due date to February 1, 2014. Please note interest is capitalized and added to the principal balance at the end of a forbearance period, which causes your principal balance to increase. AES records reflect no further forbearance, deferment or payments were processed on your loan. When your loan became more than 270 days delinquent, it again went into default. Effective November 1, 2010, the U.S. Department of Education (ED) assigned the CSAC student loan portfolio to ECMC. On February 26, 2015, ECMC paid a default claim on your loan in the amount of $17,525.85. Due to the default and capitalized interest, the claim amount of $17,525.85 became your new principal balance.
ECMC sent you the required Notice of Default (NOD) dated March 1, 2015. 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 reached. As part of this process, ECMC mailed a written notice to you dated August 15, 2015 with the last known address provided by the Department of Treasury. This notice explained the offset process and also provided you options for avoiding the offset. When no response to the letter was received, ECMC placed your name on the 2016 certification file which was processed in November 2015. 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 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. The 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 $19,108.00. Of that amount $15,347.94 is principal, $24.37 interest, and $3,735.69 collection costs. On February 17, 2016, ECMC received notification to post a treasury offset payment in the amount of $3,403. 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 funds. The process requires the borrower to set up a satisfactory payment arrangement on the account. Once that is done, ECMC will review the borrower's application for a hardship refund however there is no guarantee that a refund will be issued. Attached 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 consolidation. To 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 default. To 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, 2016. Educational Credit Management Corporation (ECMC) has reviewed your concerns.  ECMC records reflect a payment posting to your account in the amount of $2,920.22 effective March 1, 2016.  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 62 (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 30 days of being paid in full.  In accordance with 20 U.S.C. § 1080A(f)(1), 15 U.S.C. § 1681c(a)(4) and 34 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 guaranty. Your default claim was paid on June 3, 2010 and as a result is eligible for reporting until June 3, 2017.  ECMC has submitted a request to the consumer reporting agencies to mark the account as disputed. ECMC 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 [redacted], ECMC Research Resolution Specialist at ###-###-####.

This is in response to your complaint filed with the Revdex.com (Revdex.com) on January 2, 2018, concerning your defaulted student loans guaranteed by Educational Credit Management Corporation (ECMC). Our research reflects you previously filed similar complaints with the Consumer Financial...

Protection Bureau (CFPB) on June 8, 2017, case #[redacted] and August 19, 2017, case #[redacted], which were responded to timely. Your Revdex.com complaint appears to raise the same concerns. Please refer to ECMC’s responses regarding your loan history, ECMC’s credit bureau reporting guidelines, the Ability to Benefit (ATB) testing requirements, the ATB application review process and why your loans went into default. Copies of these responses and enclosures are included with this response.   There are options available for defaulted borrowers such as Pay in Full, Settle in Full, Rehabilitation and Consolidation. To 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 default. To enter into one of these arrangements or to receive further information specifically regarding your account, please contact ECMC at ###-###-####.   For questions concerning the information provided please contact Pam [redacted], ECMC Research Resolution Specialist Lead, at ###-###-#### or p[redacted]@ecmc.org.

Initial Business Response /* (1000, 5, 2015/12/02) */
This is in response to your complaint filed with the Revdex.com complaint on November 23, 2015 concerning your federal consolidation loan formerly guaranteed by Educational Credit Management Corporation (ECMC). As a result of the...

complaint, Laurie [redacted] ECMC Research Resolution Specialist, called you on November 24, 2015 to discuss your concerns. You requested a letter confirming the status of your credit reporting by ECMC. The letter was emailed to you on December 2, 2015. Should you require additional assistance or have further questions please contact Laurie at XXX-XXX-XXXX.

I am rejecting this response because: ECMC is in violation of the Fair Credit Reporting Act since I requested a forbearance that was ignored. I request that ECMC immediately remove the negative item they are reporting to the major credit reporting agencies. My...

account was never late and they are in breach of the law. I have filed a lawsuit to take this matter to court if it cannot be resolved by outside of the judicial system. Thank you.

I am rejecting this response because:
First of all, I did not receive response to my request for validation within the specified 30 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.

This is in response to your complaint filed with the Revdex.com on September 29, 2016 concerning your student loans guaranteed by Educational Credit Management Corporation (ECMC). Records reflect you received two federal Stafford loans disbursed on February 3, 1998 in the total amount...

$5125 for your educational expenses at Plaza Beauty School. The loans are serviced by American Education Service (AES) and were originally guaranteed by the Tennessee Student Assistance Commission (TSAC). Effective July 1, 2016 the U.S. Department of Education assigned the TSAC student loan portfolio to ECMC and ECMC became the new guarantor of your loans.   In your complaint you reference being contacted by phone and writing by ECMC regarding your delinquent student loans. Federal regulations require a lender/servicer to submit a request for default aversion assistance to the guarantor when a borrower becomes 60 days past due (34 C.F.R. § 682. 682.411(i)). The guarantor is a separate entity from the servicer and as such assists in contacting the borrower to explain available options (such as income-driven repayment plans, forbearance and deferment). Guaranty agencies are responsible for maintaining records on all loans on which they hold the guarantee. ECMC records reflect AES requested default aversion assistance for your account on September 16, 2016. AES notified ECMC on September 29, 2016 your account was no longer past due.   Per your request we have marked your account do not contact. Please understand should your account become 60 days past due again, and you are not in contact with your servicer, AES will request default aversion assistance from ECMC. Due to your request, ECMC will be unable to contact you to provide assistance and your loans may go into default. If you wish to remove the do not contact status please contact ECMC ###-###-####. Should you have questions concerning this response, please contact Laurie [redacted], ECMC Research Resolution Specialist, at ###-###-####.

Initial Business Response /* (1000, 5, 2015/10/19) */
This is in response to your Revdex.com complaint dated October 16, 2015 concerning your federal student loans guaranteed by Educational Credit Management Corporation (ECMC). ECMC has previously responded to you directly regarding...

the same concerns on October 1 and October 8, 2015. For your convenience, we have attached copies of those responses.
In your complaint you expressed concern over the reporting of your loan to the consumer reporting agencies. ECMC records indicate you consolidated your loan under the Federal Direct Loan Program on July 5, 2012. As a result of the consolidation, ECMC submitted our last credit reporting file to the credit bureaus on August 5, 2012 reflecting a zero balance since the loan was paid through consolidation. Under 20 U.S.C. § 1080A(f) and its implementing regulation 34 C.F.R. § 682.410(b)(5), the Federal Family Education Loan Program, specifically authorizes ECMC to report this information for seven years from the date on which the guaranty agency paid a claim to the holder on the guaranty. This also complies with the Fair Credit Reporting Act duties of entities that furnishes information to consumer reporting agencies to report accurate and complete information regarding accounts placed for collection for up to seven years. See 15 U.S.C. § 1681c(a)(4) and 15 U.S.C. §§ 1681s-2(a)(1)(A)-(B), 1681s-2(a)(2)(B). The default claim for your loans was paid on May 30, 2011 and as such may remain accurately reported with a zero balance until May 30, 2018. ECMC has submitted a request to the consumer reporting agencies to mark the account as disputed. ECMC has no control over and is not responsible for how long it takes the consumer reporting agencies to update the account.
Any further questions please contact Laurie [redacted] ECMC Research Resolution specialist at XXX-XXX-XXXX.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Get your head out of your BUTT!
SUN 10/18 Someone there marked my accounts as Paying LATE.. I was sent a Credit Alert - so now its WORSE! These accounts are Paid / CLOSED!
They only took care of PART of the reporting..
Yes, the account has a $0 Balance, B?UT they left the account OPEN and it's also reporting COLLECTION.,
3 things are important to a credit report on an account.
1) TYPE - The ACCOUNT needs to be marked CLOSED
2) Balance needs to be $0 - It is
3) STATUS - Needs to be marked Satisfied/PAID/ Transferred
They have account Type as OPEN
They have STATUS as Collection / Charge off even though they were paid!
this is hurting my credit since 2012
Final Business Response /* (4000, 9, 2015/10/26) */
Educational Credit Management Corporation (ECMC) initially received your Revdex.com inquiry on October 16, 2015 and timely responded on October 19, 2015. The same day you received the response, you indicated you did not accept the response and wanted additional information. As a result of this request you were contacted by ECMC Research Resolution Specialists, Laurie [redacted] Laurie explained the reporting was accurate. ECMC's reporting is based on the Credit Reporting Resource Guide published by the Consumer Data Industry Association which instructs a Guaranty Agency and the U.S. Department of Education to report as Portfolio Type (Base Segment, Field 10) O (Open). ECMC is a Federal Guaranty Agency participating in the Federal Family Education Loan Program (FFELP). As such, ECMC followed the above guidance and reported your account as O along with the required 62 (account paid in full/was a collection account) with a zero balance. In accordance with 20 U.S.C. § 1080A(f)(1), the FFELP requires the guaranty agency to report account information to the credit bureaus for up to 7 years from the date on which the guaranty agency paid a claim to the holder on the guaranty. This also complies with the Fair Credit Reporting Act duties of entities that furnish information to consumer reporting agencies to report accurate and complete information regarding accounts placed for collection for up to seven years. See 15 U.S.C. § 1681c(a)(4) and 15 U.S.C. §§ 1681s-2(a)(1)(A)-(B), 1681s-2(a)(2)(B). As stated in the previous response the default claim for your loans was paid on May 30, 2011 and as such may remain accurately reported with a zero balance until May 30, 2018.

A copy of Educational Credit Management Corporation (ECMC) response is attached.

Please See Attached.

This is in response to your complaint against Educational Credit Management Corporation (ECMC) filed with the Revdex.com on November 11, 2016 regarding the default status and collection activity on this student loan debt. Attached 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 loans. The loans were disbursed to pay education expenses while attending [redacted] University. The loans were originally funded by Wells Fargo, later sold to Navient and SLM Trusts and serviced by Navient Solutions. To 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.gov. If 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, 2010. You were eligible for a six month grace period, during which no payments were due. The grace period expired on March 13, 2011. Once the grace period is used, it is not reinstated should the student return to school. The first payment was due on May 13, 2011. Navient confirms no payments were paid on the account. You were granted 12 months deferment and 36 months forbearance, advancing the next payment due date to May 13, 2015. Once the loan became more than 270 days past due, it went into default and a default claim was filed by Navient. On 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 (34 C.F.R. § 682.410(b)(2)). Regulation also requires all outstanding interest to be capitalized at the time of default (34 C.F.R. § 682.410(b)(4)).  As a result of the capped interest, your new principal balance became $83,167.50.   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, 2016. This notice advises you ECMC--pursuant to federal law (20 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 loans. This notice explains you could avoid the garnishment if you establish a written payment arrangement or request a hearing within 30 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 15 U.S.C. § 1673, to repay your defaulted federal student loans held by ECMC.   You can avoid wage garnishment by entering into a repayment arrangement. These arrangements include Pay in Full, Settle in Full, Loan Rehabilitation and Consolidation. To 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 default. To 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 you. ECMC placed your account into a Do Not Contact status and suspended all future calls. However, ECMC still has a duty under the federal student loan regulations to make diligent efforts to collect your defaulted federal student loan. A 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 options. If I can be of further assistance, you can reach Trudy [redacted], ECMC – Research Resolution Specialist at ###-###-#### or email [redacted]@ecmc.org.

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.

Initial Business Response /* (1000, 5, 2015/06/01) */
On May 22, 2015 you filed a complaint with the Revdex.com (Revdex.com )regarding your defaulted federal student loans guaranteed by Educational Credit Management Corporation (ECMC). As a result of the complaint, [redacted] ECMC Research...

Resolution Specialist, attempted to contact you to discuss your concerns. On May 26, 2015 [redacted] called the number you listed on the Revdex.com complaint and left a voice message requesting a call back to discuss your concerns. As of June 1, 2015 no return call or response has been received.
There are federal student loans associated with your name and social security number that are not currently held by ECMC. For information pertaining to these loans, you may access your loan information at www.nslds.ed.gov . Following is an outline of the 13 loans currently held by ECMC:

Between October 31, 2001 and September 8, 2005, you received five subsidized and three unsubsidized federal Stafford loans in the total amount of $33,926 for your educational expenses at the University of Southern California. These loans were serviced by Navient (formerly known as Sallie Mae) and were originally guaranteed by the California Student Aid Commission (CSAC). Attached is a copy of the promissory note used to obtain these loans.
On August 16, 2006 you received one subsidized and one unsubsidized federal Stafford loan in the total amount of $18,500 for your educational expenses at Loyola Law School. These loans were serviced Affiliated Computer Services (ACS) and were originally guaranteed by CSAC. Attached is a copy of the promissory note used to obtain these loans.
Between August 16, 2006 and June 14, 2007, you received three Graduate Borrower Plus loans in the total amount of $62,817 for your educational expenses at Loyola Law School. The loans were serviced by ACS and were originally guaranteed CSAC. Attached is a copy of the promissory note used to obtain these loans.
Effective November 1, 2010, the U.S. Department of Education (ED) assigned the CSAC student loan portfolio to ECMC.
Based on information provided by Navient, the eight loans disbursed between October 31, 2001and September 8, 2005, reflect a withdrawal date of December 14, 2005. These loans then entered a six-month grace period during which no payments were due. The grace period expired June 14, 2006 and the first payment was due August 1, 2006. You received 11 months of forbearance and 56 months of deferment, which advanced the due date to May 10, 2012. The records reflect no further deferment, forbearance or payments made on these loans.
Once the loans became more than 270 days past due, they went into default and a default claim was filed by Navient. On June 27, 2013, ECMC paid a default claim on the loans in the total amount of $39,857.70. 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 (34 C.F.R. § 682.410(b)(2)). Regulation also requires all outstanding interest to be capitalized at the time of default (34 C.F.R. § 682.410(b)(4)). This caused the loan balance to increase.
Based on information provided by ACS, the two Stafford loans disbursed on August 16, 2006 reflect a withdrawal date of July 21, 2011. These loans then entered a six-month grace period during which no payments were due. The grace period expired January 21, 2012 and the first payment was due March 10, 2012. The records reflect no deferment, forbearance or payments made on these loans.
Once the loans became more than 270 days past due, they went into default and a default claim was filed by ACS. On August 8, 2013, ECMC paid a default claim on the loans in the total amount of $24,387.15. 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 (34 C.F.R. § 682.410(b)(2)). Regulation also requires all outstanding interest to be capitalized at the time of default (34 C.F.R. § 682.410(b)(4)). Again, this caused the loan balance to increase.
Based on information provided by ACS, the three Graduate Borrower Plus loans disbursed August 16, 2006 and June 14, 2007, reflect the first payment due date of July 10, 2007. You received nine months of forbearance and 47 months of deferment, which advanced the due date to March 14, 2012. The records reflect no further deferment, forbearance or payments made on these loans.

Once the loans became more than 270 days past due, they went into default and a default claim was filed by ACS. On March 14, 2013, ECMC paid a default claim on the loans in the total amount of $100,224.27. 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 (34 C.F.R. § 682.410(b)(2)). Regulation also requires all outstanding interest to be capitalized at the time of default (34 C.F.R. § 682.410(b)(4)). Again, this caused the loan balance to increase.
After paying the default claims, ECMC attempted to establish repayment arrangements on your loans. ECMC has a duty under the federal student loan regulations to make diligent efforts to collect on defaulted federal student loans. Our records reflect multiple attempts to contact you by telephone and by mail to discuss the status and options available on your defaulted student loan. When our attempts to reach you were unsuccessful, the loan was placed with Performant Recovery Inc., a third party debt collection agency on January 24, 2015.
Because no voluntary payments were received on your account, a Notice Prior to Wage Withholding was sent to you on March 12, 2015. This notice advised you ECMCpursuant to federal law (20 U.S.C. § 1095a et seq.) - was ordering your employer to immediately withhold 15% of your disposable income for payment of your defaulted federal student loan. This notice explained you could stop the garnishment if you established a written payment arrangement within 30 days of the date of the notice. As no written or verbal response was received to this notice, an administrative wage garnishment order was 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 15 U.S.C. § 1673, to repay your defaulted federal student loan held by ECMC. That order was issued April 27, 2015. On May 15, 2015, ECMC received your untimely request for an administrative wage garnishment hearing. Attached is a copy for your review. Because your Request for Hearing was submitted untimely, the wage garnishment would not be suspended during the review process. On May 21, 2015, ECMC received an employer payment in the amount of $278.69. Attached is a copy of your payment history.
There are several options available for defaulted borrowers such as payment in full, settlement in full, loan rehabilitation, or loan consolidation. To read more about these options, visit www.ecmc.org under the manage Default tab or www.studentaid.ed.gov under the Repay your Loans - getting out of default. To enter into one of these arrangements or to receive information specifically regarding your account, please contact Performant Recovery Inc at XXX-XXX-XXXX. Please contact [redacted] at XXX-XXX-XXXX if you have any questions regarding the information provided.

Initial Business Response /* (1000, 5, 2016/02/11) */
This is in response to your complaint filed with the Revdex.com on February 5, 2016, concerning your defaulted student loan guaranteed by Educational Credit Management Corporation (ECMC). As a result of the complaint, Pam [redacted] ECMC...

Research Resolution Specialist, called you on February 10, 2016, to discuss your concerns. At this time you stated the prior contact information ECMC had was incorrect and requested a validation of debt. A following is an outline of your student loan held by ECMC.
On February 18, 2004, you received one unsubsidized Stafford loan in the amount of $5,500 for your educational expenses at California State University. The loan was serviced by Affiliated Computer Services (ACS) and was originally guaranteed by the California Student Aid Commission. A copy of the signed master promissory note dated February 10, 2004, is attached.
When you withdrew from school on June 12, 2004, the loan entered a six month grace period during which no payment was required. The grace period expired December 12, 2004, and the first payment became due January 14, 2005. ACS reports you made 5 months' worth of payments totaling $292.00, which advanced the due date to June 14, 2005. The records reflect no deferment or forbearance was processed on the account and no further payments were received.
Once the loan became greater than 270 days past due, the loan went into default and ACS filed a default claim with CSAC. As the guarantor, CSAC paid the default claim on June 15, 2006, in the total amount of $5,715.60. 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 (34 C.F.R. § 682.410(b)(2)). In addition, all outstanding interest was capitalized at the time the default claim was paid (34 C.F.R. § 682.410(b)(4)). Due to the capitalized interest, the claim paid amount of $5,715.60 became your new principal balance.
Effective November 10, 2010, the U.S. Department of Education (ED) assigned the CSAC loan portfolio to ECMC and ECMC became the guarantor of your loan, holding all right, title and interest to the loan. ECMC records reflect multiple attempts to contact you by telephone and by mail to discuss the status and options available on your defaulted federal student loan. Because no voluntary payments had been received, ECMC began the process of administrative wage garnishment, as required by law. ECMC records indicate a Notice Prior to Wage Withholding was sent to you on December 7, 2015. This notice advised you ECMCpursuant to federal law (20 U.S.C. § 1095a et seq.) - was ordering your employer to immediately withhold 15% of your disposable income for payment of your defaulted federal student loan. This notice explained you could stop the garnishment if you established a written payment arrangement within 30 days of the date of the notice. As no written or verbal response was received to this notice, an administrative wage garnishment order was 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 15 U.S.C. § 1673, to repay your defaulted federal student loan held by ECMC. The administrative wage garnishment order was issued on January 11, 2016. You can still request a hearing however the garnishment will not be suspended unless they find in your favor at the time of the hearing. As of February 11, 2016, one wage garnishment payment has posted to your account in the amount of $106.83. Attached are copies of your CSAC and ECMC payment history. .
Per the terms of your promissory note, which I have circled for you, it states:
Any notice required to be given to me will be effective if sent to the latest address the lender has on file for me or by electronic means to an electronic address that I have provided. I will immediately notify the lender of any change of address or status as specified in the Borrower's Rights and Responsibilities Statement.
There are several options available for defaulted borrowers such as pay in full, settle full, rehabilitation and consolidation. To 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 default. To enter into one of these arrangements or to receive further information specifically regarding your account, please contact ECMC at X-XXX-XXX-XXXX.
Please feel free to contact Pam at XXX-XXX-XXXX if you would like to further discuss your concerns or have any questions.
Initial Consumer Rebuttal /* (3000, 7, 2016/02/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thank you for your response. You specifically stated:
ECMC records indicate a Notice Prior to Wage Withholding was sent to you on December 7, 2015. This notice advised you ECMCpursuant to federal law (20 U.S.C. § 1095a et seq.) - was ordering your employer to immediately withhold 15% of your disposable income for payment of your defaulted federal student loan. This notice explained you could stop the garnishment if you established a written payment arrangement within 30 days of the date of the notice. As no written or verbal response was received to this notice, an administrative wage garnishment order was 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 15 U.S.C. § 1673, to repay your defaulted federal student loan held by ECMC. The administrative wage garnishment order was issued on January 11, 2016. You can still request a hearing however the garnishment will not be suspended unless they find in your favor at the time of the hearing. As of February 11, 2016, one wage garnishment payment has posted to your account in the amount of $106.83. Attached are copies of your CSAC and ECMC payment history.
This is absolutely false. No mailed notification was provided to me from you whatsoever. The ONLY notification I received was from my Employer less than one week prior to my wages being garnished. Your response was "Oh it must have been sent incorrectly due to a skip trace."
You are not in compliance with the law.
You are required to prior to garnishing my wages provide me with notification writing, allowing me 30 days to review the claim and respond. You specifically state that the notice was sent out on 12/7/15 - to an address I do not reside, have never resided, have no financial interest in and to a state for which I have not resided in over 6 years.
You have not and have never provided and documentation to me prior to garnishing my wages.
And no attachments were included in your response,
Respectfully,
Katharyn [redacted]
Final Consumer Response /* (3000, 14, 2016/02/24) */
I am in recipient of a message from Pam (no last name provided) concerning this complaint.
As I have stated, no documents were ever mailed to me. The documents sent went to an address I've never resided in, and have no financial interest.
The pdf file shows a withholding from my 2008 tax return and some type of previous garnishment neither of which occurred.
Pam (no last name provided ) stated in het Voicemail that I should contact her before she closes the Revdex.com case.
I asked for proof. They continue to garnish my wages..
Final Business Response /* (4000, 16, 2016/02/29) */
On February 11 and 16, 2016 Educational Credit Management Corporation (ECMC) responded timely to your complaints filed with the Revdex.com. You indicated you did not accept the responses and your third inquiry was forwarded to ECMC February 19, 2016. As stated in our first and second response, per the terms of your promissory note, it is your responsibility to provide current contact information. Any notice required to be given to you will be effective if sent to the latest address on file. The Notice Prior to Wage Withholding was sent to you on December 7, 2015 to the address ECMC had on file on, which is compliance with federal regulations and the law.
The tax offset process is mandated by the Department of Education and information is sent to ECMC directly from the Department of Treasury. Any questions or disputes you have regarding tax offsets need to handle by the Department of Treasury. Please contact them at X-XXX-XXX-XXXX for questions related to your tax offsets. Additionally please contact your previous employer for any wage garnishment payments you wish to dispute. If you establish there are payments misapplied to your account, please contact Pam [redacted]
You also state there is no dollar amount on the promissory note. Per the terms of the Master Promissory Note you signed, in Box 11, underneath reference A, it clearly states:
Requested Loan Amount: I request a total amount of subsidized and unsubsidized loans under this Master Promissory Note not to exceed the allowable maximum under the Higher Education Act. My school will notify me of the type(s) and amount(s) of loan(s) that I am eligible to receive.
In our first response ECMC did provide you with a loan history which included disbursement amounts and dates. On February 24, 2016 at 9:53 p.m. you left Pam [redacted] a voice mail, which was in response to a voice mail she left for you earlier that day. You requested the information stated above be sent to you via email. Ms. [redacted] will also send this information today to the email address you provided.
There are several options available for defaulted borrowers and options to modify and/or suspend the wage garnishment order. You can also still request a hearing to dispute the wage garnishment. Please complete the attached form and return it to the address on page 3 of the form. To get more information regarding these option please contact ECMC at X-XXX-XXX-XXXX.
Please feel free to contact Pam [redacted] at XXX-XXX-XXXX if you would like to further discuss your concerns or have any questions.

Initial Business Response /* (1000, 5, 2015/05/22) */
On [redacted] 13, 2015 you filed a complaint with the Revdex.com (Revdex.com) regarding defaulted federal loans guaranteed by Educational Credit Management Corporation (ECMC). Following is a history of the loans in question listed under your name...

and matching the last four digits of your social security number. On January 11, 2008, one subsidized Stafford loan and two unsubsidized Stafford loans were requested in the original amount of $7,500 for educational expenses at [redacted] University. Due to the student's early withdrawal, two disbursements from each loan were cancelled, leaving a total disbursed amount of $2,504. The loans were serviced by Citibank and were originally guaranteed by the California Student Aid Commission (CSAC).
Attached is a copy of the mater promissory note used to obtain these loans. The promissory note was signed electronically on November 26, 2007, using a personal identification number (PIN) assigned by the Department of Education (ED). A PIN is used in combination with your social security number, name, and date of birth to identify you as someone who has the right to access your own personal information. The PIN is used to sign legally binding documents electronically and has the same legal status as a written signature. At the direction of ED, you are not to share your PIN with anyone.
Upon separation from school on February 13, 2008, the loans entered a 6 month grace period during which no payments were due. The grace period expired on August 13, 2008. Information provided by Citibank reflects the loans became first due on September 26, 2008. The records reflect 24 months of forbearance were applied, which advanced the due date to September 26, 2010. The records reflect no further payments, deferment or forbearance applied to the loans.
Effective November 10, 2010, ED assigned the CSAC loan portfolio to ECMC and ECMC became the guarantor of the loans. When the loans became more than 270 days delinquent, they went into default. On September 14, 2011, ECMC paid a default claim on the loans in the amount of $3,132.72. 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 (34 C.F.R. § 682.410(b)(2)). In addition, all outstanding interest was capitalized at the time the default claim was paid (34 C.F.R. § 682.410(b)(4)). This caused the loan balance to increase.
After paying the default claim, ECMC attempted to establish payment arrangements on the loans. ECMC records reflect attempts to contact you by telephone and by mail to discuss the status and options available on the account. As a federal guarantor, ECMC may pursue collection activity such as administrative wage garnishment and/or certifying debt for the treasury offset program (TOP). Through TOP, ED may request the US Department of Treasury (Treasury) to 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 Treasury.
On May 8, 2015, ECMC received an email from you requesting information similar to your current request made through the Revdex.com (Revdex.com). ECMC responded to your inquiry on May 13, 2015. For your convenience we have attached copies of your inquiry, the response and enclosure. Records reflect you have been granted a temporary administrative wage garnishment suspension on the loans which began on May 13, 2015 for 60 days in order to return the Loan Discharge Application due to False Certification.
Also attached to this response are documents ECMC received from [redacted] University. The documents include a signed Proof of Graduation Attestation, 2007-2008 Federal Student Aid Verification Worksheet and an Online Programs Enrollment Agreement. A review of the National Student Loan Data System (NSLDS) reflects additional federal student loans associated with your name and social security number that are not guaranteed by ECMC. For information pertaining to these loans, you may access your loan information at www.nslds.ed.gov .
After reviewing this information, should you still believe these loans do not belong to you, please contact [redacted] ECMC Research Resolution Specialist, at XXX-XXX-XXXX. She will assist you by providing the next steps available. 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 Consolidation. To learn more about these options, you can view www.ecmc.org under the Manage Default tab or visit www.studentaid.ed.gov under Repay your Loan - getting out of default. To enter into one of these arrangements or to receive further information specifically regarding this account, please contact GC Services at XXX-XXX-XXXX.
Initial Consumer Rebuttal /* (3000, 7, 2015/05/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This loan is not mine nor did I attend this school. I only looked into this and have been fighting with you about this for several years. If I did indeed attend this college please provide proof of any assignments completed, grades, etc. You have in turn sent this "promissiory note" which was electronically signed. The references that are on this loan are unknown to me except my mother [redacted] and her information is totally incorrect only her name is correct. The address that shows where I lived is also incorrect. I do not know who a [redacted] is and I have never heard of her? I will not make arrangements on this loan because it is not mine! If you do not rectify this situation I will take legal recourses to rectify this situation myself. I have also sent back the information that you sent to me for loan cancellation. Please provide the information from this college and I would also like a class or course schedule that I supposedly attended. This was never signed by me period! [redacted] has been known to do this to individuals over the years and the address that you have sent to me is not a correct or false address for this institution as I have had mail returned.
Final Business Response /* (4000, 9, 2015/06/03) */
On May 22, 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 May 27, 2015. In our first response we provided copies of documents we obtained from [redacted] University. Now you are asking for information from the college such as proof of assignments completed or a course schedule. ECMC has limited access to student information and can only obtain certain records from [redacted] University due to the Family Educational Rights and Privacy Act. Please contact [redacted] directly for the additional information you are requesting and to dispute your loans. You can contact the Office of Student Relations at X-XXX-XXX-XXXX or [redacted].edu.
To report further grievances regarding [redacted] University you [redacted] also contact the New Mexico Higher Education Department at: [redacted] XXXXXXXXX,
Phone: XXXXXXXXXX Fax: XXXXXXXXXX.
In your complaint you mention returning the information ECMC sent you in regards to loan cancellation. As of June 3, 2015, ECMC has not received it.Should you have any further questions regarding the information provided, please don't hesitate to contact [redacted] ECMC Research Resolution Specialist at XXX-XXX-XXXX.

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, 2017.  As a result, Pam [redacted], 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.S. Department of Education (ED) assigned the South Carolina State Education Assistance Authority (SCEAA) loan portfolio to ECMC. Records reflect your defaulted Federal Family Education Loan Program (FFELP) loans previously held by SCEAA were consolidated into a Direct Consolidation Loan in November 2016. 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 $2,885 on March 7, 2017. The offset has been refunded and was mailed to you on March 9, 2017, to the mailing address you provided on the Revdex.com complaint. ECMC truly apologizes for any inconvenience this has caused. If you have any questions please feel free to contact Pam [redacted] at ###-###-#### or p[redacted]@ecmc.org

Initial Business Response /* (1000, 5, 2015/10/02) */
This is in response to your complaint filed with the Revdex.com on September 25, 2015, concerning your defaulted student loans guaranteed by Educational Credit Management Corporation (ECMC). As a result of the complaint, Laurie...

[redacted] ECMC Research Resolution Specialist, called you on October 1, 2015 to discuss your concerns. Should you require additional assistance or have further questions please contact Laurie at XXX-XXX-XXXX.

Initial Business Response /* (1000, 5, 2016/03/16) */
Educational Credit Management Corporation (ECMC) has reviewed your concerns. You state your phone number XXX-XXX-XXXX has been incorrectly associated with an ECMC account that does not belong to you. ECMC located your number on our system and...

removed it from the associated account. We apologize for any inconvenience the calls may have caused you. ECMC 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 /* (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 account. Hopefully, they will honor their word and I will not receive any further phone calls.

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.