Consumer complaint received 2021-07-30
Company: EDvantage LLC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Tuitions Options is the finance organization in question. This is their website : https : //www.tuitionoptions.com/ Tuitions Option is involved in the below case. Debt collection finance organization which fraudulently help XXXX XXXX XXXX XXXX. 

This case is somehow related to : FTC MATTER/FILE NUMBER : XXXX XXXX XXXX CIVIL ACTION NUMBER : XXXX FEDERAL COURT : Central District of California XXXX XXXX pitched to me onXX/XX/XXXX ( the deadline for people who are eligible for debt forgiveness from OTA as part of the FTC 's settlement ) a refinancing of the debt owed XXXX XXXX XXXX XXXX XXXX offered to reduce my then debt from {$17000.00} to {$14000.00}. 

A debt I incurred and financed with XXXX XXXX for the purchase of XXXX XXXX XXXX 's patented trading & investment training program-The subject matter in the above stated case. 
The debt was incurred before XX/XX/XXXX 
PS : I am making reference to criteria for those eligible for debt forgiveness from XXXX XXXX XXXX claimed benefits of this training program has never been realized in my case and as confirmed by the court order in the above-mentioned case. 

Not knowing that this debt was written off by XXXX XXXX on that same date stated above, I agreed to the refinancing offered by XXXX XXXX. Note that I didn't know that my debt was written off by XXXX XXXX because XXXX XXXX was closed down by then ( students were inform on XX/XX/XXXX that XXXX XXXX had closed down and will not renew their franchise agreement with XXXX Franchise Corporation ). I was however still paying XXXX XXXX until XX/XX/XXXX even though it was closed down-until the refinancing offer from XXXX XXXX. 

I went on to pay XXXX XXXX on a monthly basis {$1200.00} and I have paid {$9800.00} so far ( i.e., from XX/XX/XXXX to XXXX XXXX. 

It was until XX/XX/XXXX when I discovered that my debt was written off and then I confronted XXXX XXXX. On that same date, XXXX XXXX confirmed by email that indeed my debt of {$17000.00} was written off and I quote the email : " Here is what XXXX has done to assist you. The balance of your debt ( {$17000.00} ) was written off on XX/XX/XXXX. '' XXXX XXXX then went on to cancel the remaining debt of {$4900.00} ( remember they refinanced it at {$14000.00} and I have paid {$9800.00} already ). 
I therefore requested that XXXX XXXX refunds to me with its accrued interest the amount of XXXX paid off already since my debt was written off, but they ( XXXX XXXX XXXX has refused to refund. 

It should be noted that I have no agreement with XXXX XXXX for the purchase of any training program or the financing of my debt to purchase XXXX Franchise training program or for the provision of any services. XXXX XXXX has not been able to provide to me any debt transfer agreement from XXXX XXXX to them. 

I also have proof from my XXXX XXXX account statement that the debt of {$17000.00} was written off. 

I therefore need your help to get the refund of the monies paid to XXXX XXXX because they wrongly represented this debt and refinanced it-a debt that was written off by XXXX XXXX. 

PS : My guess is XXXX XXXX who financed my debt for the above purchase was forgiving their debt to XXXX Franchise Corporation due to FTC 's settlement on XX/XX/XXXX-the date my debt was forgiven. And they-XXXX XXXX went ahead and forgave my debt also, only for XXXX XXXX to pitch a refinancing of this same written off debt. 

Kindly help me get back monies/refund that paid to XXXX XXXX.

Company response to consumer: Closed with explanation