Consumer complaint received 2018-02-26
Company: Action Financial Services, LLC
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been disputing my loans since XX/XX/XXXX. I was on an income contingency program and my payments were {$0.00}. Then my taxes were taken. According to the Department of Education my taxes were not taken nor was I certified to have my taxes taken. I provided proof that my taxes were taken in the amount of {$6900.00} and they said oh yes they were taken but have ignore request after request to show were they were applied. I was then told that I consolidated in XX/XX/XXXX. I told them there was no reason for me to consolidate that I was renewing my XXXX information. About a month after my taxes were taken I was told my balance that was under {$5000.00} was now {$45000.00}. I keep asking for specific information in regards to where the balance of these loans came from and I keep being provided with an incomplete contract which does not even have my signature on it. No specific balance information has been provided nor where my taxes went. I filed complaints with the MN attorney generals office and the Department of Education did not provide specific information to them either. I then received notice that they were are intending to garnish me even though they can not validate the debt. I sent in 80 pages with a request for hearing and I received a response from the Federal Student Aid department that I did not provide any documentation and they are going to garnish me on a debt they can not even validate. They did not even give me a hearing! I provided proof that the so called consolidation that was paid in XX/XX/XXXX paid XXXX XXXX {$5300.00}. Far cry from {$45000.00}. As well as info that I was working on the income contingency program at that time, collection letters from 2 different companies on the exact same day one showing more than 2 times the amount owed on the exact same loans, documentation of the tax offset in XX/XX/XXXX in the amount of {$6900.00} and the tax offset of almost {$10000.00}, them showing that after these payments I still owe {$29000.00} of which is inaccurate, and the incomplete contract that they keep sending me. They are now saying if I do not like their decision I can file an appeal of which I can not afford. I am a single parent who has had more than 20 XXXX  and XXXX and work part time. This is harassment. Action Financial keeps trying to collect even though they can not provide specific information. They keep sending me the incomplete contract and then trying to bully me into paying what they can not even show where it came from. They keep sending me page 3-10 of  a contract that does not even have my name on it, is expired, and shows that I would have completed multiple tasks that are not humanly possible in less than 2 min. I have been told by a manager at the department of education that they can not provide me with the information as they do not have it. Direct loans has it and they went out of business. And then they continue to try to collect! Action Financial says they are collecting on loans from a consolidation in XX/XX/XXXXand the Federal Student Aid department keeps sending me documentation from a consolidation in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation