Consumer complaint received 2019-08-27
Company: Immediate Credit Recovery
State: TN
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:
XX/XX/XXXX I received a letter from my employer XXXX in XXXX, TN that I had an order for a wage garnishment for an unpaid student loan. I received a letter from the U.S. Department of Education that I owed in full payments on student loans for the University of XXXX. The only student loans that I had with the University of XXXX had already been paid off in full as of XXXX. XXXX XXXX XXXX Federal Direct Loans was the program and my loan servicer was XXXX as listed on the .gov chart website for the Federal Direct Loan student loans servicers. I have provided bank records, payments made to XXXX, my account information with XXXX & the University of XXXX school records matching my payment records from XXXX. In addition to the master promissory note with XXXX XXXX XXXX Federal Direct Loans & XXXX promissory notes that the loan servicer required. The U.S. Department of Education is refusing to accept my proof that the only loans I had were through XXXX & they are refusing to accept that my loans were paid in full. They stated that I never had loans serviced with Navient even after I provided hard evidence and records from XXXX showing my student loan account history with XXXX and the school the loans were with which was the University of XXXX. The U. S. Department of Education is fighting against me saying that XXXX is not a Federal loan servicer for the XXXX XXXX XXXX program, but it clearly states that XXXX is on the .gov website. On the government free website under the loan servicer chart Navient is listed as a loan servicer. My student loans through XXXX were paid in full as of XXXX. The U.S. Department of Education then stated in a letter that my loans were transferred XX/XX/XXXX to Federal Loan Servicing the same year I finished paying the exact same loans off in full to XXXX. In order for my loans or loan information to have been transferred to XXXX XXXX database it had to come from somewhere. That somewhere originally being XXXX. The U.S. Department of Education is currently taking money out of my paycheck through wage garnishment and taking all of my tax refund money to pay towards loans that have already been paid in full. When my personal student loan information was transferred from XXXX to XXXX XXXX apparently none of the payments that were made are even being credited because again they want to state that these loans arent the same as my XXXX student loans. The only student loans and documentation of loans I had with the University of XXXX was with the servicer XXXX. I feel like I am being taken advantage of and definitely abused by the federal government. Please help. I have mailed in more than enough proof that my only loans were with XXXX and that those loans were connected with the University of XXXX. The US Department of Education has provided no evidence to prove me wrong. The U.S Department of Education doesnt even understand the websites literature on who their loan servicers are according to their statements.

Company response to consumer: Closed with explanation