Consumer complaint received 2021-04-19
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see the attachment regarding XXXX  XXXX XXXX, XXXX. This is the servicer of student loans that Simm Associates somehow obtained despite the fact these loans are not loans that are legal to collect for. When I attempted to contact the ceo XXXX XXXX as well as the customer service of XXXX and Simm Associates via email none of the parties replied. After I sent a complaint to the NY DFS and CA DFPI I received a response from XXXX  that states that they have not attempted to collect on my loans or sent it to a third party collection agency. However, this contradicts the phone call I received from Simm Associates who stated they obtained my information in XXXX of 2021 but called in XXXX of 2021, it occured after I attempted to send a NJ Bar complaint regarding the loan company XXXX former general counsel XXXX XXXX and believe it might have prompted a chain of events. For XXXX to claim they have not sent my loans to a third party while Simm Associates has my loans is the issue. However, these are also not loans XXXX is entitled to collect for and the loans should be removed altogether. In the complaint to XXXX which they responded to only the NY DFS before the response the issues was and continues to be that the student loan servicer XXXX sent my loans to Simm Associates and it is only through a voicemail from this third party collector with number that I learned about there has been any sort or collection activity, it's not just that they have not sent me any mail or emails it's that XXXX sued me and the case was dismissed and they have no right to collect, I had already disputed and removed the loans - it was illegal collection activity and behavior at the time and the case I believe was a total fraud. In sending to the third party, they did not know anything about this legal case and are proceeding as if nothing has happened. They do not have the right to have a 'fresh start ' collecting on loans they have no right to collect for, but in this clear lapse of information I am set up for even more victimization. I need for the loans to be immediately removed and I believe both XXXX and XXXX link to larger crimes I am being victimized by. I would like to assure that these loans are permanently removed.Furthermore, XXXX  was not the party that was apparently the lost servicer of these loans. As stated in my complaint, there has been no collection activity from XXXX  - they have not sent me any mail, or emails for years and XXXX attempted to sue me then dismissed the case. During this time, I believe I was still being victimized and when XXXX relocated from XXXX XXXX to XXXX XXXX and XXXX XXXX XXXX was the servicer, I felt it was suspicious - hence I made another CFPB complaint. I would like the highlight the response I received from XXXX XXXX XXXX in the response to my complaint the new servicer XXXX XXXX XXXX XXXX  owner of XXXX XXXX XXXX  ) stated after our legal case was dismissed : " There is no longer any collection activity by XXXX or XXXX on Mr. XXXXXXXX XXXX Education loan held by XXXX, and therefore, the parties believe Mr. XXXX has no further claims or complaints to be addressed and consider their legal obligations in this matter complete. " This response came from XXXX XXXX XXXX, they are the new servicer of XXXX. It is not clear how XXXX  still is a factor, they have not sent me any sort of mail or emails from XXXX  in years and I also had a legal case with XXXX, and then somehow very recently they sent these loans to collections. It is not just the loans, as I describe in the XXXX attachment, the issues link to larger crimes affiliated with the student loan company XXXX. In addition to the pdf I have also provided a few XXXX affiliated emails, I believe they are actually hijacked emails that the targeting from corrupt law enforcement with any sort of forensic analysis that my efforts at dealing with these loans, that they actually connect to corrupt law enforcement and the service I have received is an injustice apart of this also.

Company response to consumer: Closed with explanation