Consumer complaint received 2018-03-27
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid in full all my student loans as of XX/XX/XXXX I had NO STUDENT LOAN BALANCE AS PER THE XXXX XXXX representatives and XXXX WEBSITE. An ach payment of XXXX was paid XX/XX/XXXX to XXXX all loans due and payable to that point and this proof has been provided to XXXX  by my mother 's bank as well. All other student loans past that date have been paid by her as well. Her XXXX   confirmation # is XXXX on XX/XX/XXXX. We were assured that a XXXX balance existed on all student loans ( with the exception of XXXX on a perkins which is being paid incrementally ) and until we received a call from XXXX in XXXX there was no question of this. You can see the result from them below there was no question. Then - ECMC starts up and here we are .... 

XXXX XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 




On Friday, XX/XX/XXXX XXXX XXXX, " XXXX '' XXXX wrote : Dear Customer : This e-mail is in reference to your student loan account serviced by XXXX XXXX  XXXX XXXX XXXX ). We have computed the total payoff amount of your student loan as follows. This calculation does not include any payments that may be received by us on or after the date of this e-mail. 

Effective date of payoff calculation : XX/XX/XXXX Current principal balance : {$0.00} Interest to effective payoff date : XXXX Daily interest accrual : {$0.00} Total payoff amount on effective date : {$0.00} To pay off your loan using our Online Payment Solution ( OPS ), click " Make a Payment '' in the center of the Account Access page once you are logged in to your account, then click " Loan Payoff '' in the left-side navigation menu and follow the prompts. This feature will also allow you to choose different payoff dates, up to 15 business days in the future. 

If you do not submit your payoff payment online, you may mail your final payment to the address below. Be sure to write your account number on the check or money order. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Please do not reply to this message as this email account is not monitored. 

If you require further assistance, please visit our website at XXXX. From the homepage, you may click on the " Contact Us '' link, which will provide you with useful information such as our Customer Service Department hours of operation and telephone number, and will allow you to submit inquiries via a secure e-mail. If you have an online account, you will find additional services available and may obtain account specific information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX This message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

Code : XXXX  We have tried on numerous occasions to file a complaint/dispute/grievance with this ECMC company to no avail. Their website continuously gives us an error code and their csr 's do not sent the forms. Now ... XXXX  is threatening to take my license I earned on a student loan that was paid in full and everyone agrees on this. Those student loans are not even in dispute and were for a vocational school - and are going to cost me my livelihood. 

This is just wrong and an error has occurred somewhere in this process for which we are paying with my ability to work. 
XXXX XXXX XXXX - XXXX My authorized representative is my mother XXXX XXXX XXXX.

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