Educational Credit Management Corporation

Initial Business Response / [redacted] (1000, 5, 2015/06/01) */ On May 22, 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 concernsOn May 26, [redacted] called the number you listed on the Revdex.com complaint and left a voice message requesting a call back to discuss your concernsAs of June 1, 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 ECMCFor information pertaining to these loans, you may access your loan information at www.nslds.ed.gov Following is an outline of the loans currently held by ECMC: Between October 31, and September 8, 2005, you received five subsidized and three unsubsidized federal Stafford loans in the total amount of $33,for your educational expenses at the University of Southern CaliforniaThese 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, you received one subsidized and one unsubsidized federal Stafford loan in the total amount of $18,for your educational expenses at Loyola Law SchoolThese loans were serviced Affiliated Computer Services (ACS) and were originally guaranteed by CSACAttached is a copy of the promissory note used to obtain these loans Between August 16, and June 14, 2007, you received three Graduate Borrower Plus loans in the total amount of $62,for your educational expenses at Loyola Law SchoolThe loans were serviced by ACS and were originally guaranteed CSACAttached is a copy of the promissory note used to obtain these loans Effective November 1, 2010, the U.SDepartment 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, These loans then entered a six-month grace period during which no payments were dueThe grace period expired June 14, and the first payment was due August 1, You received months of forbearance and months of deferment, which advanced the due date to May 10, The records reflect no further deferment, forbearance or payments made on these loans Once the loans became more than days past due, they went into default and a default claim was filed by NavientOn June 27, 2013, ECMC paid a default claim on the loans in the total amount of $39,Pursuant to federal regulations governing the Federal Family Education Loan Program (FFELP), guaranty agencies must add collection costs on educational loan debt when the guaranty agency pays a default claim to the lending institution (C.F.R§ 682.410(b)(2))Regulation also requires all outstanding interest to be capitalized at the time of default (C.F.R§ 682.410(b)(4))This caused the loan balance to increase Based on information provided by ACS, the two Stafford loans disbursed on August 16, reflect a withdrawal date of July 21, These loans then entered a six-month grace period during which no payments were dueThe grace period expired January 21, and the first payment was due March 10, The records reflect no deferment, forbearance or payments made on these loans Once the loans became more than days past due, they went into default and a default claim was filed by ACSOn August 8, 2013, ECMC paid a default claim on the loans in the total amount of $24,Pursuant to federal regulations governing the FFELP, guaranty agencies must add collection costs on educational loan debt when the guaranty agency pays a default claim to the lending institution (C.F.R§ 682.410(b)(2))Regulation also requires all outstanding interest to be capitalized at the time of default (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, and June 14, 2007, reflect the first payment due date of July 10, You received nine months of forbearance and months of deferment, which advanced the due date to March 14, The records reflect no further deferment, forbearance or payments made on these loans Once the loans became more than days past due, they went into default and a default claim was filed by ACSOn March 14, 2013, ECMC paid a default claim on the loans in the total amount of $100,Pursuant to federal regulations governing the FFELP, guaranty agencies must add collection costs on educational loan debt when the guaranty agency pays a default claim to the lending institution (C.F.R§ 682.410(b)(2))Regulation also requires all outstanding interest to be capitalized at the time of default (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 loansECMC has a duty under the federal student loan regulations to make diligent efforts to collect on defaulted federal student loansOur records reflect multiple attempts to contact you by telephone and by mail to discuss the status and options available on your defaulted student loanWhen our attempts to reach you were unsuccessful, the loan was placed with Performant Recovery Inc., a third party debt collection agency on January 24, Because no voluntary payments were received on your account, a Notice Prior to Wage Withholding was sent to you on March 12, This notice advised you ECMCpursuant to federal law (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 loanThis notice explained you could stop the garnishment if you established a written payment arrangement within days of the date of the noticeAs 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 U.S.C§ 1673, to repay your defaulted federal student loan held by ECMCThat order was issued April 27, On May 15, 2015, ECMC received your untimely request for an administrative wage garnishment hearingAttached is a copy for your reviewBecause your Request for Hearing was submitted untimely, the wage garnishment would not be suspended during the review processOn May 21, 2015, ECMC received an employer payment in the amount of $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 consolidationTo 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 defaultTo enter into one of these arrangements or to receive information specifically regarding your account, please contact Performant Recovery Inc at XXX-XXX-XXXXPlease contact [redacted] at XXX-XXX-XXXX if you have any questions regarding the information provided

This is in response to your Revdex.com complaint received by Educational Credit Management Corporation (ECMC) on February 28, 2017. Based on the information you provided, ECMC was unable to locate your account.  To ensure we are providing information to the correct individual,...

additional information, such as your ECMC account number and/or the last four digits of your social security number are needed to identify the appropriate account.  Please contact Pam [redacted], ECMC Research Resolution Specialist, at ###-###-#### for assistance in addressing your concerns.

This is in response to your Revdex.com complaint dated May 20, 2016. On September 5, 2008 you were disbursed one subsidized Stafford loan in the amount of $1,750 for your Educational expenses at the University of Phoenix. The loan was serviced by Affiliated Computer Service (ACS) and...

originally guaranteed by the California Student Aid Commission (CSAC). Attached is a copy of the promissory note you signed to obtain this loan.  ACS records reflect you withdrew from school on February 12, 2010 and your loan entered a six month grace period during which no payments were due. The grace period expired on August 12, 2010 and the first payment became due September 14, 2010.  Information provided by ACS reflects you received 18 months of deferment and 10 months of forbearance, which advanced the due date to February 14, 2013. Records reflect no further payments, deferment or forbearance were applied to the account. On November 1, 2010, the U.S. Department of Education assigned the CSAC loan portfolio to ECMC and ECMC became the new guarantor of the loan. Once the loan became more than 270 days past due it went into default. A default claim was filed by ACS and ECMC paid the default claim on February 6, 2014 in the amount of $1,837.16. Pursuant to federal regulations governing the Federal Family Education Loan Program (FFELP), guaranty agencies must add collection costs on educational loan debt when the guaranty agency pays a default claim to the lending institution (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 $1,837.16 became your new principal balance. ECMC sent you the required Notice of Default (NOD) dated February 10, 2014. This notice informed you of your rights and outlined the steps a federal guarantor may pursue on defaulted student loans, including reporting of the default to the national consumer reporting agencies.  The NOD was sent to the address on file, advising you of your options to resolve the defaulted status of your loans within 60 days to avoid the federally mandated consequences of default. On March 12, 2014, ECMC sent a Loan Default Reminder reminding you there are several options available to resolve the default status of your loans and to contact ECMC within 30 days to avoid the consequences of default. As no response was received to the NOD or 30 day Loan Default Reminder, ECMC reported your default to the national consumer reporting agencies on May 4, 2014.  As a result, ECMC sent you a Notification of Report to Consumer Reporting Agencies on May 5, 2014.  This notice advised you ECMC reported your default to the national consumer reporting agencies. ECMC did not receive any of the letters back as undeliverable so it is presumed the notices were delivered to the address on file.  Per the terms of the promissory note you signed, it is your responsibility to update your contact information with the current loan holder. ECMC records indicate on August 27, 2015, you consolidated your loan under the Federal Direct Loan Consolidation Program.  As a result of your consolidation, on November 1, 2015, ECMC accurately reported your loans to the credit reporting agencies as paid collection accounts.  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 FFEL Program 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 February 16, 2014 and as a result is eligible for reporting until February 16, 2021.  ECMC has previously 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.  For information concerning your consolidation loan please contact FedLoan Servicing (PHEAA) at ###-###-####.  If you have any questions regarding this information please contact me at ###-###-####.

Initial Business Response /* (1000, 5, 2015/09/09) */
This is in response to your complaint filed with the Revdex.com on September 2, 2015, concerning your defaulted student loans guaranteed by Educational Credit Management Corporation (ECMC). As a result of the complaint, Yvonne...

[redacted] ECMC Research Resolution Specialist, called you on September 8, 2015 to discuss your concerns. Yvonne explained student loans are not dischargeable in bankruptcy. Student loan debt can only be discharged in bankruptcy if there is a determination by a bankruptcy court that repayment of the student loan debt will impose an undue hardship on the debtor and the debtor's dependents. Refer to 11 U.S.C. § 523(a)(8) of the U.S. Bankruptcy code.
Yvonne also explained a total and permanent disability (TPD) discharge program offered by the Department of Education. Effective July 1, 2013, the regulations require all TPD inquiries be handled by [redacted] You may contact [redacted] at XXX-XXX-XXXX X:XXam - 8:00pm ET seven days a week, via their website www.disabilitydischarge.com or via their email address [redacted]@nelnet.net. Should you require any additional assistance with these federal student loans while working through the TPD process, please don't hesitate to contact Yvonne at XXX-XXX-XXXX.

Initial Business Response /* (1000, 5, 2015/09/11) */
This is in response to the complaint you filed with the Revdex.com on September 1, 2015, concerning your defaulted student loans guaranteed by Educational Credit Management Corporation (ECMC).Educational Credit Management Corporation...

(ECMC) has reviewed your concerns. ECMC has previously responded to you directly regarding the same concerns on October 31, 2012, July 6, 2015, and August 8, 2015. For your convenience, we have attached copies of those responses.
A review of the National Student Loan Data System (NSLDS) reflects there are other federal student loans not held by ECMC listed under your name and social security number that reflect a default status . For information pertaining to your loans, you may access your loan information at www.nslds.ed.gov.
Following is an outline of your federal consolidation loan held by ECMC. On July 18, 2003, you received one federally guaranteed consolidation loan disbursed in the amount of $14,825.91. The loan was serviced by Affiliated Computer Services (ACS) and was originally guaranteed by the California Student Aid Commission (CSAC). Effective November 1, 2010, the U.S. Department of Education (ED) assigned the CSAC student loan portfolio to ECMC and ECMC became the new guarantor of the loan. Attached is a copy of the signed promissory note used to obtain this loan.
In your complaint, you are requesting proof of the debt you owe. By signing a promissory note, you, the borrower, agree to repay the loans that are guaranteed using the note. This is a legally binding contract. Please read section's F and G on the last page of your promissory note for further information
Information provided by ACS indicates you were granted 54 months of deferment, 32 months of forbearance and made four payments totaling $430.18, which advanced the due date to June 28, 2011. Records reflect no further payments, deferment or forbearance were processed on the loan.
When your loan became more than 270 days delinquent, it went into default. On August 2, 2012, ECMC paid a default claim on your loan in the amount of $16,877.75. 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.
You expressed concern over the reporting of your loans to the consumer reporting agencies. 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 guaranty agencies, such as ECMC to report this information for seven years from the date on which the guaranty agency paid a claim to the holder on the guaranty. As stated above, your claim was paid on August 2, 2012. ECMC is accurately reporting your account as a 93 (Account assigned to internal or external collections) with a balance. 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.
Regarding your concerns with the Fair Debt Collection Practices Act (FDCPA), it has been established that student loan guarantors, such as ECMC, are not subject to the FDCPA. See Pelfrey v. Educ. Credit Mgmt. Corp. (In re Pelfrey), 208 F.3d 945 (11th Cir. 2000); Rowe v. Educ. Credit Mgmt. Corp., 730 F.Supp.2d 1285 (D. Ore. 2010); Montgomery v. Educ. Credit Mgmt. Corp., 238 B.R. 806 (D. Minn.1999).
At this time there is not enough evidence to substantiate your identity theft claim. If you believe the student loans held by ECMC were the result of identity theft, please complete the attached Certification/Agreement of Cooperation of Identity Theft Claims form, which is required by the Department of Education to review a claim of identity theft. In addition, ECMC also mentioned your claim would be reviewed once the notarized form and all required documentation were received. In our October 31, 2012 response we explained it is your responsibility to obtain a criminal court verdict that conclusively finds that you were the victim of identity theft; references this loan specifically; and identifies the name(s) of the individual(s) who committed the crime. Please note filing a police report does not fulfill that requirement.
Your account has been placed in a suspend status for 60 days to allow you time to return the Certification/Agreement of Cooperation of Identity Theft Claims form and the required documentation. Should you have any questions or concerns regarding this information please feel free to contact Laurie [redacted] at XXX-XXX-XXXX.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Please send all documents to my address on file for me to review.
Final Business Response /* (4000, 9, 2015/09/23) */
On September 14, 2015, Educational Credit Management Corporation (ECMC) responded timely to your complaint filed with the Revdex.com on September 2, 2015. You indicated you did not accept the response and your new inquiry was forwarded to ECMC September 15, 2015. You requested documents be sent to your address on file for review. Attached please find documents ECMC received from Affiliated Computer Services which include deferment and forbearance requests, copies of your check stubs and a notice of unemployment insurance award. These documents will also be mailed to you on September 24, 2015.
As stated in our first response if you believe the student loans held by ECMC were the result of identity theft, please complete the attached Certification/Agreement of Cooperation of Identity Theft Claims form, which is required by the Department of Education to review a claim of identity theft. In addition, ECMC also mentioned your claim would be reviewed once the notarized form and all required documentation were received.
If you have questions regarding this information please contact Laurie [redacted]- ECMC Research Resolution Specialist[redacted].

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, 2015/06/30) */
This is in response to your complaint filed with the Revdex.com on June 25, 2015, concerning your defaulted student loan guaranteed by Educational Credit Management Corporation (ECMC). As a result of the complaint, [redacted]...

Research Resolution Specialist at ECMC, called you on June 27, 2015 to discuss your concerns. We discussed your settlement agreement options and credit reporting dispute. Please continue to work directly with [redacted] at XXX-XXX-XXXX or via email [redacted]@ecmc.org .
Initial Consumer Rebuttal /* (2000, 7, 2015/07/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Ms. [redacted] reviewed my issue with ECMC. She emailed and called me back to verify what she found and clarify the settlement offer. We have come to a mutual agreement to both our satisfaction.
Thank you for the help in this matter.

Initial Business Response /* (1000, 5, 2015/09/11) */
This is in response to your Revdex.com complaint dated September 2, 2015 concerning your federal student loans, currently held by Educational Credit Management Corporation (ECMC). Your complaint stated you were receiving multiple...

calls at a place of employment where you are a contractor and you do not wish to be contacted there. ECMC records reflect that one of our representatives contacted your place of employment on August 28, 2015. At that time she left a non-descript message asking that you return her call regarding a personal business matter. On September 1, 2015 our representative again attempted to contact you at XXX-XXX-XXXX. In accordance with federal law, a guarantor is required to directly contact a defaulted borrower in order to collect on his/her student loan. See, e.g., 20 U.S.C. § 1078(c)(2)(A); 20 U.S.C. § 1080(a); 34 C.F.R. § 682.410(b)(6); 34 C.F.R. § 682.200(b). On this date, ECMC records reflect a brief conversation between you and the representative in which the representative was asked to no longer call you at your work number. That request was noted in your file and the number was marked do not call per your request. Our records reflect no further calls were placed to that number.
In your complaint you also state you have no knowledge of the amount ECMC claims you owe and you have never been provided with a detailed accounting of the debt. Following is an outline of the loans currently held by ECMC.
On September 19, 2006, you requested and received one Federal Family Education Loan Program (FFELP) consolidation loan in the amount of $39,453.25. Your lender was Citibank ELT SLC, the servicer was Navient (Formerly known as Sallie Mae) and the California Student Aid Commission (CSAC) was the guarantor. Attached is a copy of the promissory note you signed for LN 8.
On June 19, 2007, you requested and received one FFELP consolidation loan in the amount of $7,195.50. Your lender was Citibank ELT SLC, the servicer was Navient and the California Student Aid Commission (CSAC) was the guarantor. Attached is a copy of the promissory note you signed for LN 9.

On July 16, 2007, you were disbursed one Stafford subsidized and one Stafford unsubsidized loan in the amount of $3,735 for your attendance at Capella University. Your lender was Citibank ELT SLC, the servicer was Navient and the guarantor was Great Lakes Higher Education Corporation (GLHEC). Attached is a copy of the master promissory note you signed.
On February 4, 2008 you were disbursed one Stafford Subsidized loan in the amount of $1,947.17 for your educational expenses at Kaplan University. Your lender was Citibank ELT SLC, the servicer was Navient and the guarantor was CSAC. Attached is a copy of the master promissory note you signed.
Effective November 1, 2010, the U.S. Department of Education assigned the CSAC student loan portfolio to ECMC and at that time ECMC became the guarantor of your CSAC loans.
On July 6, 2011 you filed a Chapter 13 bankruptcy. As a result of the bankruptcy, ECMC paid bankruptcy claims to Navient on August 14, 2011. GLHEC also paid bankruptcy claims to Navient on August 14, 2011 and transferred their loans to ECMC effective September 5, 2011.
On June 7, 2012 ECMC was notified your bankruptcy had been dismissed June 6, 2012. Upon receipt of notification that a bankruptcy action has been dismissed or discharged, federal regulation 34 C.F.R. § 682.402(h) requires the remaining balance of a student loan that was not in a default at the time the bankruptcy petition was filed be repurchased by a lender. As none of your loans were in default, Navient repurchased all of your loans as outlined below:
LN8 in the amount of $47,739.02 effective September 9, 2012
LN9 in the amount of $9,043.40 effective September 6, 2012
LN10, 11 and 12 in the amount of $7,143.31 effective August 16, 2012
Upon repurchase Navient established the due date for the consolidation loans as September 2012. Navient records reflect 19 months of forbearance which advanced the due date to April 2014. The three Stafford loans had a due date of August 2012 and were also granted 19 months of forbearance which advanced the due date to March 2014. Navient records reflect no further deferment, forbearance or payments on these accounts.
Once the loans became greater than 270 days past due, the loans went into default. ECMC paid default claims on April 23, 2015 and May 21, 2015 in the amounts of $7,966.22 and $65,024.67 respectively.
Pursuant to federal regulations governing the FFELP, guaranty agencies must add collection costs on educational loan debt when the guaranty agency pays a default claim to the lending institution (34 C.F.R. § 682.410(b)(2)). Guaranty agencies must capitalize all outstanding interest at the time of default (34 C.F.R. § 682.410(b)(4)).
As of September 10, 2015, your balance is $92,056.78. Of that amount $72,990.89 is principal, $1,225.22 interest and $17,935.77 collection costs. Any payments received by ECMC are applied as required by federal regulations: first to outstanding costs, then to outstanding interest and then to the principal balance (34 C.F.R. § 682.404(f)). ECMC records reflect no payments made to these loans after default.
Your loans have been placed with ECMC's internal collection department. 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 you can view 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 ECMC at X-XXX-XXX-XXXX. If you do not wish to speak to a representative, you may establish an agreement online at www.ecmc.org, under manage my defaulted loans.
For further assistance or questions regarding this letter, please contact me directly at XXX-XXX-XXXX.
Laurie [redacted] ECMC Research Resolution Specialist

I am rejecting this response because:
I still have not seen proof of mailing with tracking showing it was received to my address on file (that would satisfy a court judge example being a certified mail receipt)  on this "claimed" letter that is SUPPOSEDLY SO IMPORTANT that I had to fill out and return within 30 days or my loans would go into default. The first communication I EVER received about my loans was a notice of default in March.  Had I received the claimed letter in a timely manner it would have prevented this entire dispute. I had to get in contact with the Federal OMBUDSMAN group JUST to get it sent to me in April, which is when I filled out and returned immediately (which is supposedly "too late")If I do not see a proof of mailing that I can take to USPS to investigate and determine what happened to the initial letter that was supposedly sent in February, I intend to file a lawsuit within the next 30 days in my local small claims court against ECMC for damages under the California credit reporting laws for reporting incorrect information on my credit file under my name. I have kept a log of all my communications.

On August 25, 2016, you filed a complaint with the Revdex.com.  This complaint was directed to the attention of Educational Credit Management Corporation (ECMC), a student loan guarantor of federal student loan debt under the Federal Family Educational Loan Program (FFELP). You...

continue to dispute an issue that has been addressed by ECMC Office of the Ombudsman in the past. Following is a summary of ECMC’s past responses. On January 25, 1985, a student loan was taken out under your name and social security number for educational expenses while attending [redacted] University. On the promissory note, [redacted] University certified your enrollment and the student loan. ECMC provided you with loan documents on August 1, 2013. After receiving loan documents provided by ECMC, you contacted ECMC Ombudsman on August 5, 2013. ECMC Ombudsman advised the account is being researched regarding your assertion you did not take out this loan. You advised ECMC you had a letter from [redacted] University advising they had no record or your enrollment.  On August 9, 2013, ECMC advised you that the school confirmed your enrollment at [redacted] and the student loan by certifying the information on the loan documents, and [redacted] will have to answer to what happened to the student loan disbursement.  On August 12, after receiving a copy of the letter provided to you by [redacted] University, ECMC contacted [redacted] University regarding this issue. ECMC advised [redacted] it had their certification of your enrollment and provided them with copies of the loan documents. On the same day, [redacted] University contacted ECMC and advised they will “look into” returning the $2,500.00, since there was no record of your enrollment. On August 13, 2013, ECMC advised you of this ongoing research. On August 19, 2013, ECMC was advised by [redacted] University via email that they were unwilling to refund the $2,500.00 because they could find no record of actually receiving the loan proceeds. ECMC began working with the lender of the funds for the cancelled loan check, but never heard back. On August 28, 2013, ECMC advised you of these events and directed you to [redacted] University for further dispute. You were also advised by ECMC that since there was no resolution with [redacted] University, you are responsible for this debt and collection activity would continue. Had [redacted] University refunded the disbursed amount of $2,500.00, this would have cancelled the debt. At no time did ECMC advise you that if the $2,500.00 was received from [redacted] University you would remain responsible for the outstanding interest or costs, nor did ECMC demand the full remaining balance from [redacted] University.     If you wish to continue this dispute, again, you will need to address the issue with [redacted] University. You requested to no longer be contacted by telephone. ECMC will remove your phone number however you will still be responsible for the debt. ECMC may pursue other collection activity such as administrative wage garnishment and/or certifying your debt for the treasury offset program (TOP).  Through TOP the Department of Education (ED) may request the US Department of Treasury (Treasury) offset this loan debt against all payment streams authorized by law, either currently or in the future.  These payment streams may include (but are not limited to) Federal and/or State tax refunds, Social Security Benefits, and/or Federal Travel reimbursements.    ECMC is required to participate in TOP and is required to provide the names of all accounts that are in default and not in arrangements with ECMC to ED who provides to the Treasury. 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 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 Pioneer Credit at ###-###-####.   If I can be of further assistance, you may contact Trudy [redacted], ECMC Research Resolution Specialist at ###-###-####, or email t[redacted]@ecmc.org.

This is in response to your complaint filed with the Revdex.com on March 23, 2016, concerning your defaulted student loan guaranteed by Educational Credit Management Corporation (ECMC). New York Higher Education Services transferred your account to ECMC on March 12, 2009 however they did...

not provide your 1994 bankruptcy information. Based on the bankruptcy discharge documents you provided along with your letter addressed to ECMC, which was received March 4, 2016, it was determined your subsidized Stafford loan disbursed October 19,1984 in the amount of $2,500 was eligiblefor bankruptcy discharge.  Your loan held by ECMC was written off on March 24, 2016.  Please contact Pam [redacted], ECMC Research Resolution, at ###-###-#### if you have any questions.

On September 20, 2017 you filed a complaint with the Revdex.com (Revdex.com) against Educational Credit Management Corporation (ECMC).  ECMC Ombudsman, Diane [redacted] reached out to you on September 25, 2017 to discuss your concerns. It was determined in that conversation that Ms. [redacted] will...

address your concerns directly. Ms. [redacted] will again contact you to reach a resolution. Ms. [redacted] can be reached at ###-###-####.

Initial Business Response /* (1000, 5, 2015/10/29) */
This is in response to your complaint filed with the Revdex.com on October 22, 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, spoke to you on October 26 and October 28, 2015 to discuss your concerns and reach a resolution. Should you require additional assistance or have further questions please contact Laurie at XXX-XXX-XXXX.

This is in response to your complaint filed with the Revdex.com on January 10, 2017, concerning Educational Credit Management Corporation (ECMC) incorrectly contacting your employer for the purposes of wage garnishment. As a result of your complaint, Laurie [redacted], ECMC Research...

Resolution Specialist, called you to discuss your concerns. She is working directly with you to research and resolve your concerns. Should you have any questions concerning this response, Please contact Ms. [redacted] directly at ###-###-####.

This is in response to your complaint filed with the Revdex.com on May 5, 2016, concerning your defaulted federal student loans guaranteed by Educational Credit Management Corporation (ECMC). As a federal guarantor, ECMC is required to participate in the Treasury Offset Program (TOP)...

and required to send notification to the U.S. Department of Treasury on each defaulted borrower in our portfolio who is not in a current payment arrangement.  Through this program, Treasury may offset this debt against all payment streams authorized by law, either currently or in the future.  These payment streams may include (but are not limited to) federal and/or state tax refunds, Social Security benefits, and/or federal travel reimbursements.  Your account was certified for offset in 2016. On May 3, 2016, ECMC received notification from Nelnet to place your account on 120 day hold based on your request for a total and permanent disability discharge application.  As a result, on May 8, 2016, ECMC notified Treasury to decertify your account from TOP. Once Treasury receives the notification, it can take approximately four to six weeks to complete the decertification process. ECMC has no control over how long it takes Treasury to decertify your account from offset.  ECMC has established a process by which borrowers who have had their social security offset may apply for a hardship refund of those funds.  Attached is a Non-Tax Offset Hardship Refund Request form for your review.   Once the application is submitted, ECMC will review the application for a hardship refund however there is no guarantee that a refund will be issued.  Please contact Nelnet at ###-###-#### 8:00am – 8:00pm ET seven days a week for any questions regarding your application or any questions regarding total and permanent disability discharge.  Should you have any questions regarding this information please contact Laurie [redacted], ECMC Research Resolution Specialist at ###-###-####.

I am rejecting this response because: I am dissatisfied with your lack of response to my question about confidentiality. You gave me a promissory note for a person who is not me. You gave a complete social security number, date of birth, etc, to the incorrect person. I could literally use that person's information however I wanted. In other businesses if that happens, you have to give free credit monitoring for 1 year. If I had more information on how to get ahold of the person, I would let them know you have given the wrong person all of their sensitive information. This is a bigger wrongdoing, in my eyes, than the original issue of contacting me incessantly. Do these types of things happen frequently? Based on my experience with your company, I figure you just searched my name on the internet and I fit the appropriate age range, so you thought it would be worth a shot to get the 80,000+ dollars back, even if it meant garnishing the wages of the wrong person. I am just entirely fed up with this company and their processes and I think that the actual party responsible for the defaulted loans needs to be made aware that you gave identifying information to the incorrect person because your tactics for locating the appropriate person are faulty.

This is in response to your January 30, 2017 rejection of Educational Credit Management Corporation (ECMC) Revdex.com January 20, 2017 response to your January 16, 2017 complaint. As advised in ECMC’s January 20, 2017 response, your loan rehabilitation agreement became voided because required paperwork was not received. Required paperwork cannot be altered, which is why your previous documents were rejected. As long as you submit all paperwork without altering the agreement, all voluntary payments made within the grace period will count toward the rehabilitation. Also advised on January 20, 2017 ECMC will no longer attempt to arrange loan rehabilitation through the United States Postal Service. You will need to either contact the Default Resolution department at ###-###-#### or set the rehabilitation up at www.ecmc.org. ECMC has reviewed the privacy error screen print you submitted with your rejection. This warning was generated based on settings on your computer. You may wish to adjust your settings. ECMC website is secure. Loans issued under the FFELP provide an option for loan forgiveness via Total and Permanent Disability (TPD) Discharge.  Effective July 1, 2013, the regulations require all TPD inquiries to be handled by the U.S. Department of Education via their TPD provider Nelnet.  You may contact Nelnet at ###-###-#### 8:00am – 8:00pm ET seven days a week, via their website www.disabilitydischarge.com or via their email address [email protected]. If I can be of further assistance, you may contact Trudy [redacted], ECMC – Research Resolution Specialist at ###-###-####.

I am rejecting this response because:
I have copies of every correspondence! I mailed the 9/8/16 signed agreement and returned before the deadline! No "documents missing" to void contract! I have copies of all correspondence. ECMC never informed me of any issue despite my...

inquiry after five months of correspondence and payments. I must do business by mail. I do not have a phone or computer, nor guaranteed access to any other means than mail as I requested 7/5/16.I made initial contact with ECMC on 7/5/16 when notified they acquired my student loan as of July61sr by TSAC.  I requested everything in writing. Arrangements were set up for payment with their representative Vanessa. Contract, payment statements and more have been by mail since.As per 8/3/16 and 9/8/16 contract, concerns were mailed "in writing ...within 30 days" to terms of the contract. We were unable to resolve my issues thus I signed and returned the contract dated 9/8/16 "within 120 days". Tax returns and AGI form required were sent when requested. Mail correspondence so far by date: 7/3, 7/20, 8/1, 8/3(x3), 8/9, 9/8(x2), 9/23, 11/1, 1/11Billing statements by mail: 8/3, 8/9, 8/15, 9/8, 10/11, 11/8Email from ECMC have been form letters directing to register at their website. (Screen print copies attached for 10/26 and 12/19.) Attempts to open produce warning. (Screen print attached).I do NOT have a telephone or computer nor can I afford one. My online access is limited to an old phone with a cracked screen. My family supplies Wifi only for FB messages and email. ECMC has been informed repeatedly since initial contact 7/5/16.I am still unemployed. It is unlikely my situation will change at my age, poor health and rural area. I continue to mail payments. All cleared on time so far. I will update AGI once I have filed my taxes. I have no phone or computer nor guaranteed access to any other means of correspondence other than by mail. *Cotrespinding online from this touch phone is very problematic for me. Please excuse any errors.

On November 11, 2016 Educational Credit Management Corporation (ECMC) received a Revdex.com (Revdex.com) complaint and responded timely on November 15, 2016. You indicated you did not accept the response and your new inquiry was forwarded to ECMC November 18, 2016. In addition to the Revdex.com disputes, ECMC also received the complaint you filed with the Consumer Financial Protection Bureau (CFPB) on November 15, 2016 and is preparing the response. Information provided in the CFPB complaint clarified the dispute and your position. Based on the additional information and further research, ECMC has taken the necessary steps to remove all of your information from the associated account. This includes employer information, telephone numbers, and your email address. ECMC sincerely apologizes for the confusion and inconvenience this has caused. Please contact Trudy [redacted] – Research Resolution Specialist, ###-###-#### or email [redacted]@ecmc.org in the unlikely event another issue may arise.

This is in response to the complaint you filed with the Revdex.com on July 14, 2016 concerning your defaulted student loans guaranteed by Educational Credit Management Corporation (ECMC). Following is an outline of the student loans previously held by ECMC. On October 20, 2003, one...

subsidized Stafford loan was disbursed for $2,625.00, and one unsubsidized loan was disbursed for $1,150.00 for educational expenses at Concord Career Institute. The loans were serviced by Navient Solutions, Inc. and were originally guaranteed by the California Student Aid Commission (CSAC).   Information provided by Navient confirms you separated from school on April 16, 2004. You entered into a six month grace period, during which time no payments were due. The grace period expired on October 16, 2004, and the first payment was due November 8, 2004. No payments were received by Navient. You were granted 12 months deferment and 45 months forbearance, which advanced the due date to August 8, 2009.   When the loans became 270 days past due, Navient filed a default claim with CSAC. As guarantor, CSAC paid the default claim in the amount of $4,859.24. Effective November 1, 2010, the U.S. Department of Education assigned the CSAC loan portfolio to ECMC and ECMC became the new guarantor of the loans. According to ECMC records, the loans were paid in full through consolidation on September 13, 2011.   You have questions regarding ECMC’s reporting to the national Credit Bureaus.  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 FFELP requires, and the Fair Credit Reporting Act allows the guaranty agency to report defaulted information for seven years.  Because this seven year reporting requirement is due to expire August 8, 2016, ECMC has requested the credit reporting agencies to delete ECMC tradelines. ECMC has no control over and is not responsible for how long it takes the consumer reporting agencies to update the account. If you need further assistance, you may contact [redacted], ECMC – Research Resolution Specialist at ###-###-####, or email [redacted].