Product: Student loan

This is a follow up to my previous complaint # XXXX. In response to the feedback from XXXX XXXX XXXX, National Collegiate Trust, and XXXX and XXXX XXXX and any affiliated creditors/associates. 

The company 's response was incorrect and inadequately addressing my concerns-I was not provided with the total accounting of payments made on this matter. 
My records indicate that on the settlement of {$24000.00} for the original distribution of {$30000.00} ( not sure where their number of {$33000.00} came from ) payments were made of : {$20000.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX ( this check was never returned-rather it was applied to the new amount as noted in the attached agreement, which was eventually sent to XXXX and XXXX XXXX for XXXX XXXX which I paid a total of {$6800.00} over the period from Fall XXXX XXXX ( XX/XX/XXXX ) .Additionally, because I struggled to make the settlement payments with XXXX and XXXX and XXXX because I was hospitalized for XXXX better part of XXXX months total in XXXX, XXXX, and early XXXX, my XXXX federal income tax return in the amount of {$7100.00} was captured/garnished by these predatory companies mentioned in this complaint and paid out on this matter. I am awaiting the transcript from the IRS and my account. I believe that entire amount was paid to them. And possibly even the {$3500.00} that was my state return-but await confirmation on this-because it has been soooo long ago. 

So that brings the total to {$35000.00} PAID TO DATE. 
{$20000.00} -XXXX  XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$6800.00} XXXX XXXX and XXXX XXXX XXXX XXXX income tax return garnishment possibly {$39000.00} if that state return was also captured. Either way, Well over the XXXX XXXXXXXX settlement of XXXX and subsequent default settlement of XXXX ( because I was hospitalized ) .And well over the original distribution of {$30000.00}.!! 

So the next correspondence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. should be acknowledgment of a XXXX balance and closing of this matter. Otherwise, my next correspondence will be to exercise my rights under the Fair Credit Reporting Act, where I will exhaust the limits of the law with my attorney, seeking damages and punitive measures against this harassment, predatory -money grab. 
After all, I thought this matter had been settled in XXXX given that there has been XXXX correspondence in 7 years regarding this from XX/XX/XXXX until I received a letter on XX/XX/XXXX which arrived at a wrong address and was forwarded to me by the resident of that address. So any additional claims to additional funds is moot and has already been settled or written off as far as I'm concerned. 
My next complaints filed with be with all federal and state entities as well as all financial oversight bodies. 
For review- Previous complaint details XX/XX/XXXX entered into a settlement agreement for this loan in the amount of {$24000.00}. Around XX/XX/XXXX {$20000.00} was paid and transferred. Around end of XXXX {$1500.00} was paid via cashiers check leaving a balance of {$2500.00}. Beginning of XXXX, I became ill and was hospitalized several times. I tried to reason with the company XXXX XXXX at that time that the balance was forthcoming. They did not agree and were quite nasty to me and therefore, sued me via law firm XXXX XXXX XXXX i made a settlement plan and paid monthly until XXXX when I was hospitalized again. Between the XXXX -collection and law firm they also captured around {$7000.00} of federal tax returns/refunds from me. I have heard nothing from them and the matter has been to my knowledge closed and settled. Now on XX/XX/XXXX I receive a collection notice from XXXX XXXX XXXX in the amount of {$28000.00}. This amount is not correct and this debt has been paid as mentioned above. Furthermore, they have sent the info to a wrong address. As far as I'm concerned the {$28000.00} XXXX that they have received satisfies this debt. If they disagree I want a full account audit of ALL of the funds that I Paid XXXX XXXX, XXXX XXXX XXXX XXXX and the amount they garnished and captured from my tax return refunds! This is predatory and outrageous! And why the nearly 10 year gap of communication!