Consumer complaint received 2019-03-30
Company: RMS-Recovery Management Services, Inc.
State: MA
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:
Complaint Summary : I received a letter from the US Department of the Treasury dated XX/XX/XXXX ( Federal Offset Letter ) I called The US Department of Education, and was told that I had to contact XXXX XXXX XXXX. 
XXXX XXXX XXXX has almost 200 complaints registered with The Consumer Financial Protection Bureau, as well as countless complaints listed with the XXXX and other internet searches. They were also fired for inappropriate dealings pertaining to student loans, and recently reinstated. 
I made several calls, and left several messages. 

I then called Student Aid and was directed to RMS, Recovery Management Services Inc.

RMS has 135 complaints registered with The Consumer Financial Protection Bureau, as well as countless complaints listed with the XXXX and other internet searches. 

They told me not to contact XXXX XXXX XXXX, only deal with them. 

I spoke with a woman ( XXXX, no last name given ), and she said I owed them over {$25000.00}. 
I DONT She was rude, confrontational, and insisted that I sign up to pay {$5.00} per month to start the repayment process. There are many many complaints on the internet ( including The Consumer Financial Protection Bureau ), of how RMS forced consumers into this program, then got hold of personal information, changed the plan, harassed, and used their personal information inappropriately. 

First of all, I DO NOT OWE THIS DEBT Second of all, I would not sign up to pay {$5.00} per month to pay a {$25000.00} debt that I DONT OWE. 
I asked for documentation, and she said it would only delay the process and that I had to sign up to pay {$5.00} per month. 
I refused on many occasions. 

I asked for all documentation pertaining to my account. Finally she agreed to send all documentation. 
I received it this week. ( Federal Offset RMS Documents ). 
They sent copies of 2 pages. The pages are from 2 totally different documents? The font, and print dont even match ( not even close ). 

She told me that I had defaulted consolidation loans on which I had never made a payment. 

I got information from Student Aid on loans that were supposedly in default. 
The information is NOT ACCURATE. 
( Federal Offset MyStudentData Download ) One of the loans listed was a Perkins loan directly with XXXX University. 
The loan was listed as defaulted. 
I contacted XXXX University, who sent a document confirming that the debt had been paid in full. 
That loan is now listed as Paid in Full. 

I also found a box of bank statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ( they were with old tax returns that I had no idea I had. These were the only ones I found ). In these statements were cancelled checks paid to XXXX XXXX XXXX XXXX XXXX for these loans. ( Federal Offset Cancelled Checks Summary, Federal Offset Cancelled Checks1, Federal Offset Cancelled Checks2 ). In XX/XX/XXXX, banks stopped returning cancelled checks, I do not have any statements beyond these ( with the exception of recent online accounts ). 
The cancelled checks for the Perkins Loan with XXXX University totalled {$1900.00}. 
The cancelled checks for the XXXX XXXX XXXX XXXX XXXX loan totalled {$3900.00}. 
There were absolutely additional payments made, but these are the only statements that I happened to find. 
( I dont keep documents for 30 years, I dont know anyone who does? ). 

I tried to contact XXXX XXXX XXXX XXXX XXXX, but they are apparently no longer in business. 
( the IRS confirmed this. ) I believe part of this stems from my fathers death ( 10 years ago ). 
On my birth certificate Im XXXX XXXX XXXX On my drivers license Im XXXX XXXX XXXX ( XXXX wasnt available on my license at the time I received it ) On my social security card Im XXXX XXXX. 

When my father passed away, XXXX XXXX declared me DEAD. 
Apparently, when you die, any credit you have open is, at minimum, tripled, and written off. 
( XXXX XXXX more than tripled it, and sold it to at least 5 collection agencies before writing it off ). 
I didnt realize what had happened until I tried to buy a car ( 2 months after his death ). 
I was told that they would love to sell me the car, but I was deceased. 
When I got my credit report, every balance I had was at minimum tripled and written off. 
I had to go to The Social Security Administration to prove I was still alive, and in fact, it was my father who had passed away. 

It took years to pay, and cancel cards. My credit score went down over 250 points. 
Example : I had a XXXX card that I owed approximately {$100.00} My report said almost {$400.00}, deceased. ( I called, told them I was alive, they said I owed them {$100.00} ) I paid {$100.00} and cancelled the card. 
Nearly the same numbers with a XXXX card. 
XXXX XXXX was listed with at least 5 collection agencies at more than 4 times the amount owed. 
Approximately 5 years ago I received a letter from the IRS stating that XXXX XXXX had forgiven the debt I owed them ( over {$5000.00} ), and I had to pay tax on the debt ( over {$1000.00} ), as it was now considered income. 

Every time I have to buy a new car ( mine had XXXX miles ), that requires a credit report. This same kind of thing happens. Its a Total Nightmare. 

I DO NOT OWE THIS DEBT.

Company response to consumer: Closed with explanation