Educational Credit Management Corporation

Ecmc has been garnishing my entire paycheck, I have mailed them a request to cease taking the entire wage. I have had a reply that stated they did not receive my wages and that another company did. I receive my pay from the U.S. Treasury dept. The Treasury dept send me a copy of my pay stub and a letter stating that the wages were sent to ecmc. I believe this to be in direct violation of the fair debt collection practices act. Garnishment of my entire wage is in violation of Federal, State, and Local laws. This is creating a hardship as I cannot even afford transportation to my employment.

Ecmc has been garnishing my entire paycheck, I have mailed them a request to cease taking the entire wage. I have had a reply that stated they did not receive my wages and that another company did. I receive my pay from the U.S. Treasury dept. The Treasury dept send me a copy of my pay stub and a letter stating that the wages were sent to ecmc. I believe this to be in direct violation of the fair debt collection practices act. Garnishment of my entire wage is in violation of Federal, State, and Local laws. This is creating a hardship as I cannot even afford transportation to my employment.

I got a student loan from Educational Credit Management Corporation St. Paul, MN back in 1998 for a student loan. The loan has been paid off however the company will not acknowledge the payment which the US Department of Educations servicer company has collect my payment and has logged in the payment also as paid off and send me letters stating that it has been paid off. However the company keeps denying my payment and is threatening me with false police reports using local police which would be Richmond, VA Police and Sheriff department to collect again. I tried to resolve the matter with the company and with the Police department of Richmond, VA however they will not acknowledge my complaint. I explained that the loan was paid off in full but they continue to ignore my claim. Also Henrico County, VA is involved and I don't understand why as I don't live there either. Their police department has put several police threats against me to collect for this loan and yet I have informed them that it was paid and I received the letter from *** stating it is paid however they won't accept the letter and continues to threaten me with false police reports to still collect. It seems that this company is trying to over charge me for a debt I no longer owe. That this is definitely a case of unethical business practice. Please make them stop harassing to collect from me for a loan that I already paid off. Thank you.

I got a student loan from Educational Credit Management Corporation St. Paul, MN back in 1998 for a student loan. The loan has been paid off however the company will not acknowledge the payment which the US Department of Educations servicer company has collect my payment and has logged in the payment also as paid off and send me letters stating that it has been paid off. However the company keeps denying my payment and is threatening me with false police reports using local police which would be Richmond, VA Police and Sheriff department to collect again. I tried to resolve the matter with the company and with the Police department of Richmond, VA however they will not acknowledge my complaint. I explained that the loan was paid off in full but they continue to ignore my claim. Also Henrico County, VA is involved and I don't understand why as I don't live there either. Their police department has put several police threats against me to collect for this loan and yet I have informed them that it was paid and I received the letter from *** stating it is paid however they won't accept the letter and continues to threaten me with false police reports to still collect. It seems that this company is trying to over charge me for a debt I no longer owe. That this is definitely a case of unethical business practice. Please make them stop harassing to collect from me for a loan that I already paid off. Thank you.

Ed Fund/CSAC stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from Ed Fund/CSAC that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of $150 on 9 consecutive months. The first month was 9/1/2006- 5/01/2007. Again I have all paperwork that backs my statement. On ECMC’s website I was able to look up both of loans. Since ECMC became my lender. I noticed that on 6/14/2007 they stated that there was a rehabilitation repurchase lender payment for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they don’t have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, Ed Fund and CSAC are the ones who are not telling the truth. ECMC took my refund from the I.R.S on 4/14/2006. The total was $3,996.00. On Edfund’s website and on ECMC website, they state that there were payment reversals. There were 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the $3,996.00 for my taxes. I never saw that check, nor did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from Edfund, ECMC, or CSAC, nowhere does it ever show what payments went too, or a balance. There are more little mistakes that all ECMC/EDFUND/CSAC seem to keep making. I have the documents to prove it. I have receipts totaling $15000 - $18000 of payments that I made. I have asked ECMC/EDFUND/CSAC to provide me with statements that show what I paid and then a remaining balance. No response. I asked CFPB to get involved, which they did. ECMC stated that after 5 years they delete files. My girlfriend’s lender is ECMC and she has been with them for 8 years. So im guessing if they owe you money or seem guilty of not reporting the correct truth, then they delete your records. If you owe them money, they still have your records on file. If I have documents from their website showing proof of my claims, that should be evidence. ECMC should not able to say because they don’t have any of my files,( cuz they delete them after 5 years, I guess they need to make room on their server) that they cannot confirm what was presented to them. They have put negative info on my NSLDS website. Again stating I didn’t make 6 consecutive payments. I have 2 of their letters stating I did. On one letter it even states I made 7. Please help me

Ed Fund/CSAC stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from Ed Fund/CSAC that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of $150 on 9 consecutive months. The first month was 9/1/2006- 5/01/2007. Again I have all paperwork that backs my statement. On ECMC’s website I was able to look up both of loans. Since ECMC became my lender. I noticed that on 6/14/2007 they stated that there was a rehabilitation repurchase lender payment for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they don’t have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, Ed Fund and CSAC are the ones who are not telling the truth. ECMC took my refund from the I.R.S on 4/14/2006. The total was $3,996.00. On Edfund’s website and on ECMC website, they state that there were payment reversals. There were 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the $3,996.00 for my taxes. I never saw that check, nor did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from Edfund, ECMC, or CSAC, nowhere does it ever show what payments went too, or a balance. There are more little mistakes that all ECMC/EDFUND/CSAC seem to keep making. I have the documents to prove it. I have receipts totaling $15000 - $18000 of payments that I made. I have asked ECMC/EDFUND/CSAC to provide me with statements that show what I paid and then a remaining balance. No response. I asked CFPB to get involved, which they did. ECMC stated that after 5 years they delete files. My girlfriend’s lender is ECMC and she has been with them for 8 years. So im guessing if they owe you money or seem guilty of not reporting the correct truth, then they delete your records. If you owe them money, they still have your records on file. If I have documents from their website showing proof of my claims, that should be evidence. ECMC should not able to say because they don’t have any of my files,( cuz they delete them after 5 years, I guess they need to make room on their server) that they cannot confirm what was presented to them. They have put negative info on my NSLDS website. Again stating I didn’t make 6 consecutive payments. I have 2 of their letters stating I did. On one letter it even states I made 7. Please help me

I got a student loan from Educational Credit Management Corporation St. Paul, MN back in 1998 for a student loan. The loan has been paid off however the company will not acknowledge the payment which the US Department of Educations servicer company has collect my payment and has logged in the payment also as paid off and send me letters stating that it has been paid off. However the company keeps denying my payment and is threatening me with false police reports using local police which would be Richmond, VA Police and Sheriff department to collect again. I tried to resolve the matter with the company and with the Police department of Richmond, VA however they will not acknowledge my complaint. I explained that the loan was paid off in full but they continue to ignore my claim. Also Henrico County, VA is involved and I don't understand why as I don't live there either. Their police department has put several police threats against me to collect for this loan and yet I have informed them that it was paid and I received the letter from *** stating it is paid however they won't accept the letter and continues to threaten me with false police reports to still collect. It seems that this company is trying to over charge me for a debt I no longer owe. That this is definitely a case of unethical business practice. Please make them stop harassing to collect from me for a loan that I already paid off. Thank you.

I got a student loan from Educational Credit Management Corporation St. Paul, MN back in 1998 for a student loan. The loan has been paid off however the company will not acknowledge the payment which the US Department of Educations servicer company has collect my payment and has logged in the payment also as paid off and send me letters stating that it has been paid off. However the company keeps denying my payment and is threatening me with false police reports using local police which would be Richmond, VA Police and Sheriff department to collect again. I tried to resolve the matter with the company and with the Police department of Richmond, VA however they will not acknowledge my complaint. I explained that the loan was paid off in full but they continue to ignore my claim. Also Henrico County, VA is involved and I don't understand why as I don't live there either. Their police department has put several police threats against me to collect for this loan and yet I have informed them that it was paid and I received the letter from *** stating it is paid however they won't accept the letter and continues to threaten me with false police reports to still collect. It seems that this company is trying to over charge me for a debt I no longer owe. That this is definitely a case of unethical business practice. Please make them stop harassing to collect from me for a loan that I already paid off. Thank you.

Ed Fund/CSAC stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from Ed Fund/CSAC that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of $150 on 9 consecutive months. The first month was 9/1/2006- 5/01/2007. Again I have all paperwork that backs my statement. On ECMC’s website I was able to look up both of loans. Since ECMC became my lender. I noticed that on 6/14/2007 they stated that there was a rehabilitation repurchase lender payment for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they don’t have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, Ed Fund and CSAC are the ones who are not telling the truth. ECMC took my refund from the I.R.S on 4/14/2006. The total was $3,996.00. On Edfund’s website and on ECMC website, they state that there were payment reversals. There were 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the $3,996.00 for my taxes. I never saw that check, nor did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from Edfund, ECMC, or CSAC, nowhere does it ever show what payments went too, or a balance. There are more little mistakes that all ECMC/EDFUND/CSAC seem to keep making. I have the documents to prove it. I have receipts totaling $15000 - $18000 of payments that I made. I have asked ECMC/EDFUND/CSAC to provide me with statements that show what I paid and then a remaining balance. No response. I asked CFPB to get involved, which they did. ECMC stated that after 5 years they delete files. My girlfriend’s lender is ECMC and she has been with them for 8 years. So im guessing if they owe you money or seem guilty of not reporting the correct truth, then they delete your records. If you owe them money, they still have your records on file. If I have documents from their website showing proof of my claims, that should be evidence. ECMC should not able to say because they don’t have any of my files,( cuz they delete them after 5 years, I guess they need to make room on their server) that they cannot confirm what was presented to them. They have put negative info on my NSLDS website. Again stating I didn’t make 6 consecutive payments. I have 2 of their letters stating I did. On one letter it even states I made 7. Please help me

Ed Fund/CSAC stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from Ed Fund/CSAC that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of $150 on 9 consecutive months. The first month was 9/1/2006- 5/01/2007. Again I have all paperwork that backs my statement. On ECMC’s website I was able to look up both of loans. Since ECMC became my lender. I noticed that on 6/14/2007 they stated that there was a rehabilitation repurchase lender payment for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they don’t have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, Ed Fund and CSAC are the ones who are not telling the truth. ECMC took my refund from the I.R.S on 4/14/2006. The total was $3,996.00. On Edfund’s website and on ECMC website, they state that there were payment reversals. There were 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the $3,996.00 for my taxes. I never saw that check, nor did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from Edfund, ECMC, or CSAC, nowhere does it ever show what payments went too, or a balance. There are more little mistakes that all ECMC/EDFUND/CSAC seem to keep making. I have the documents to prove it. I have receipts totaling $15000 - $18000 of payments that I made. I have asked ECMC/EDFUND/CSAC to provide me with statements that show what I paid and then a remaining balance. No response. I asked CFPB to get involved, which they did. ECMC stated that after 5 years they delete files. My girlfriend’s lender is ECMC and she has been with them for 8 years. So im guessing if they owe you money or seem guilty of not reporting the correct truth, then they delete your records. If you owe them money, they still have your records on file. If I have documents from their website showing proof of my claims, that should be evidence. ECMC should not able to say because they don’t have any of my files,( cuz they delete them after 5 years, I guess they need to make room on their server) that they cannot confirm what was presented to them. They have put negative info on my NSLDS website. Again stating I didn’t make 6 consecutive payments. I have 2 of their letters stating I did. On one letter it even states I made 7. Please help me

I think ECMC is very fraudulent and will go to any means to collect a debt. I have dealt with this company and they use draconian methods too collect a debt. In my opinion, I give them a F!

I think ECMC is very fraudulent and will go to any means to collect a debt. I have dealt with this company and they use draconian methods too collect a debt. In my opinion, I give them a F!

I think ECMC is very fraudulent and will go to any means to collect a debt. I have dealt with this company and they use draconian methods too collect a debt. In my opinion, I give them a F!

ECMC - placed an account on all three collections bureaus, along with an address that does not belong to me. As well attempting to restart a very old debt; stating that it was last reported between June 27 and July 2nd, 2017. I have never had an account with a company as their reporting called ***. I Never received a letter informing me of this debt and this company placed this debt on my credit reports without my knowledge and in doing so,... this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that this company verify the following information. 1. Full original Account Number 2. Date Original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. ECMC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I would like this account removed from all three credit bureaus. Next steps States Attorney General office

ECMC - placed an account on all three collections bureaus, along with an address that does not belong to me. As well attempting to restart a very old debt; stating that it was last reported between June 27 and July 2nd, 2017. I have never had an account with a company as their reporting called ***. I Never received a letter informing me of this debt and this company placed this debt on my credit reports without my knowledge and in doing so,... this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that this company verify the following information. 1. Full original Account Number 2. Date Original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. ECMC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I would like this account removed from all three credit bureaus. Next steps States Attorney General office

ECMC - placed an account on all three collections bureaus, along with an address that does not belong to me. As well attempting to restart a very old debt; stating that it was last reported between June 27 and July 2nd, 2017. I have never had an account with a company as their reporting called ***. I Never received a letter informing me of this debt and this company placed this debt on my credit reports without my knowledge and in doing so,... this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that this company verify the following information. 1. Full original Account Number 2. Date Original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. ECMC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I would like this account removed from all three credit bureaus. Next steps States Attorney General office

This company which I hold no contract with nor have received services from reported a collection account against my SSN in the amount of 4245 and 7435 with Transunion Experian & Equifax credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Also they removed this debt from my credit report and reinserted without proper notice writhin 5 days which is a violation of FCRA

This company which I hold no contract with nor have received services from reported a collection account against my SSN in the amount of 4245 and 7435 with Transunion Experian & Equifax credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Also they removed this debt from my credit report and reinserted without proper notice writhin 5 days which is a violation of FCRA

This company which I hold no contract with nor have received services from reported a collection account against my SSN in the amount of 4245 and 7435 with Transunion Experian & Equifax credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Also they removed this debt from my credit report and reinserted without proper notice writhin 5 days which is a violation of FCRA

I keep receiving letters, unwanted phone calls for an *** about a student loan. I am not ***, I have never been *** or have I ever married a ***, nor have I ever been known by anybody with that name. I do not owe a student loan. I am 66 years old and this is a harassment from this company. I live from social security and a few hours a week job in a retail store. I do not own any property nor do I have savings or any assets. I want them to leave me alone. Although I have told them many times they keep calling me and now I received a wage garnish notification in the name of ***. I AM NOT ***. I do not have any money to hire a lawyer to defend me. I want them to stop the harassment. If they have any proof that I am *** have them show them to you.