Consumer complaint received 2017-07-14
Company: Delta Management Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The CFPB Portal has listed a complaint as " open '' and " sent to the company '' for several months, and I have not received a response. A copy of the complaint and print screen of the complaint status are being included with this submission. Although I have filed complaints against Delta Management Associates , Inc. in the past, this is a NEW COMPLAINT. After filing in the past, Delta Management Associates , Inc. suspended the illegal garnishment on XXXX XXXX, 2016. However, two months later, they re-started. They sent a new Administrative Wage Garnishment order to my place of employment, and I was never notified of this action. Delta Management Associates , Inc. has been illegally garnishing my wages since XXXX XXXX, XXXX. They have spoken with my employer multiple times, misrepresented who they are collecting on behalf of ( XXXX XXXX ), and misrepresented what they are collecting ( a student loan ). Delta Management Associates , Inc. never provided debt verification or debt validation. I requested proof of the existence of a debt multiple times, and I did not receive any proof via the CFPB, BBB, or California Attorney General complaint processes. I have never received, or been sent, any mailings by Delta Management Associates , Inc . Since we have been in contact via mediated complaint processes, Delta Management Associates , Inc. could have easily attached the documents to the portals ( i.e. via the CFPB and BBB ). Delta Management Associates , Inc. also could have mailed documentation to the California Attorney General. Nothing has been provided. When presented with the FTC Identity Theft Affidavit, Delta Management Associates , Inc. did not cease its illegal collection practices. I am filing lawsuits in the State of California. I have consistently explained that I did not obtain student loans and do not have any debt. I have provided the ledger from XXXX that reveals that there are balances of {$0.00} for the debts that Delta Management Associates , Inc. claims it was contracted to recover. This was provided after engaging in the CFPB complaint process against XXXX for misrepresenting itself as XXXX XXXX. During the complaint process, XXXX provided a currently fillable Master Promissory Note form with fake information. XXXX XXXX is the XXXX employee who is responsible for providing this form. XXXX XXXX, from Delta Management Associates , Inc., is the party responsible for not providing written notification about the debt, threatening the illegal action of garnishing on behalf of the government, continuing to collect after being informed of Identity Theft and a legitimate dispute as to the existence of the debt, and engaging in knowingly false statements and misrepresentations about his attendance at the University XXXX XXXX with me. He has lectured me about " the difference between an imbecile, moron and retard, '' and indicated that I am not appropriately representing my college by failing to pay my debts. His tactics are deplorable, particularly since he has received definitive proof that I do not have any student loans. My employer never should have been contacted multiple times by Delta Management Associates , Inc. During the time of contact, Delta Management Associates , Inc. was violating a CEASE AND DESIST. I have included a copy of the ledger obtained from XXXX, which shows that there is no balance owed. Delta Management Associates , Inc. is not legally permitted to issue an Administrative Wage Garnishment. This needs to cease immediately, and I need the return of my illegally seized wages. Further XXXX and Delta Management Associates , Inc. need to cease in their illegal collusion and fraud. I have demonstrated that this Identity Theft did not happen years ago ; there is no proof of pre-existing loans. This Identity Theft is happening right now, and it is being perpetrated by XXXX XXXX of XXXX and XXXX XXXX of Delta Management Associates , Inc . Please hold them accountable.

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