Consumer complaint received 2020-07-15
Company: ECMC GROUP, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I responded to a commercial for XXXX XXXX  who claimed they were an accredited college. Then XXXX XXXX called me, and told me that the classes were {$300.00} per credit and the 2-year program was only {$6400.00} in total. Because I originally wanted to get my XXXX XXXX. So, I went to XXXX XXXX  online college in XXXX of XXXX because there was a long waiting list for the Nursing program. So, they offered Business Science Management and said I can use the license to be administrator over Nursing homes, or do my own senior care business. So, I took the classes. I started my 1st class in XXXX. Then took two more classes around XXXX. I got a bill for {$9000.00} so I immediately called and inquired about it with XXXX XXXX an advisor, her response was it was a clerical error and continue taking your next two classes and they will fix it. 

While taking the next two classes they called me in XXXX of XXXX and said that it was illegal to electronically sign promissory note in the state of Ohio. So, I need to physically sign the promissory note. So, I did because I did attend their college. After completing 5 classes In XXXX of XXXX I dropped the next classes because not only did they not fix the error on the loan they borrowed {$6500.00} more.and I was getting ready to move in XX/XX/XXXX and could not rent an apartment because they ruined my credit with that loan and did not report payments they received it was not even the correct amount. 

My loan should have been for {$1500.00} for classes and {$880.00}. for the XXXX XXXX. 

Which adds up to {$2300.00}. I stopped dealing with the college all together because I was in a homeless situation with my 4-year-old daughter at that time. So, I did what XXXX XXXX advised and put it in deferment and continued to ask them to fix the error. 

So, of chores I had to establish our stability 1st then deal with this issue. I contacted multiple people about this issue and was ran around for over 10 years. I had the amount that was owed for college in XXXX and was advised by an attorney not to pay anything until they fix the error and dont sign anymore forbearance letters. I would have paid it off back then but they refused to fix the amount owed. They knew I did not take 10 classes but kept saying I did. I have proof they charged me for 10 classes and they cant explain the other charges when I only took 5 classes. I am completely tired of submitting paperwork to people and they dont read it. I guess I got to highlight the facts in their own paperwork. Its been a nightmare to the point I dont ever want nobody 's family to deal with these people ever. Everyone I have sent this paper work ignored the facts and sided with them without reading the documents and that is appalling to me because it is the Federal Ombudsmans job to review documents and no one could possibly read the ledger or the documents they sent or I sent which are the exact same documents. So, to add insult to energy 5 years after telling the Ombudsman and the attorney general XXXX gets sued and closed down, and the Department of Education is still coming after me for a debt that I never agreed for them to borrow in my name. I have lost all faith in the United States Government with this because it is a shame that people that got degrees and work for the state and the federal government dont read. I faxed these documents to 2 Ombudsman XXXX XXXX and XXXX XXXX. They never responed back. I even contacted the Attorney General 's office ( XXXX XXXX at the time ), and he told me to get an Attorney. Which you will receive everything I have with the underlined proof and circled proof that they double borrowed without my consent. As well they refused to fix it. And I did not receive my 2 years worth of classes that I was double charged for .... So, I refused to pay anything until they corrected that error department of education wants me to pay for a college education that I did not receive and will never receive and pay double for it. 

( My personal thoughts ) Will the victim of a fraud always be forced to pay for scammers Scams? How I was affected blocked from going back to a legit college paying more for bad credit and blocked from getting a job worth having as well as being denied to the pursuit of happiness.

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