Product: Student loan

XX/XX/2019 To Whom It May Concern : I, XXXX XXXX XXXX, would like to complaint about a financial fraud and harassment by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ). 

I am currently a XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX. I have received an email from our departmental secretary that contacts from XXXX XXXX XXXX were making urgent requests to speak with me in my place of work. 

This harassment began several months ago when I received a letter from XXXX XXXX XXXX indicating that my loan had been sent to them for collection. Although currently a moot point, I continue to believe that the loan transfer to collection was an unjustifiable and erroneous act as I had aptly applied for a loan consolidation. Besides the point, the bill that I had recieved indicated they are charging me approximately {$4000.00} in fees and {$3000.00} in interest to a grand total of {$12000.00}. 

Being a full-time resident, I am in a XXXX more than 10 hrs per day, almost 7 days a week with no ability to supplement my current income, which barely covers living expenses, I obviously need to address the accuracy and legitimacy of the fees and interest. Because of my financial limitations, and difficulty in pursuing this matter during normal working hours, I gave my mother permission and authority to assist in rectifying this matter. Despite being a single-mother with her own work obligations, she has continued to assist in trying to bring this issue to a resolution. 


Because I made the consolidation of all my loans, she has been trying to contact my XXXX school ( University of XXXX ) and loan company ( Heartland ECSI ). Unfortunately, all our efforts have not been successful, as the phone call would be directly transferred to XXXX XXXX XXXX. 

My mother and I attempted to ask for detailed billing inquiry regarding this collection and there was no answer. On XX/XX/2019, I sent a certified letter to both the XXXX XXXX XXXX XXXX. and Heartland ECSI and formally requested the detailed billing and explanation of the fees and interest. We however did not receive any answer. What we have received from this company is continued harassment via incessant phone calls, and attempts to contact younger siblings not at all involved in the matter. 

I firmly believe that this continued harassment is their attempt in trying to make me and my family frustrated so I would give up and pay them this money. At this point, I I am reaching out for your assistance because of my grave concerns regarding the efforts of XXXX XXXX XXXX to affect my reputation and future in my place of work and training. 

My mother and I have are trying to hire a lawyer to assist with the matter, as I have even begun to question every facet of my loan consolidations, the college loan departments involved, their billing practices, and the continued harassment. 

As a hard-working American citizen, who appears to be facing the consequences of pursuing an advanced education in our complex and often unforgiving system, I kindly ask for your assistance in regards to this matter. Thank you for your time, and I look forward to hearing from you. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX ( mother ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, NJ XXXX