Consumer complaint received 2018-03-15
Company: URS Holding, LLC
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I requested a copy of my Treasury Offset Notice ( from the Treasury Offset Program/TOP ), in regards to XXXX XXXX collecting on behalf of the US Department of Education ( lender ) & XXXX XXXX & XXXX XXXX ( XXXX XXXX ). My state offset was {$990.00}, & my federal was {$5600.00}. I dont believe XXXX XXXX met the Due Process Prerequisites outlined on the " Treasury Offset Program Summary of Program Rules & Requirements ''. 

I never heard of XXXX XXXX until this past Monday. They never contacted me. When I contacted them, they said they received my student loan account in their office on XX/XX/XXXX. How is it possible that they met the requirement of a 60-day prior notice to the debtor of intent to offset? My tax returns were filed electronically on XX/XX/XXXX. The 60-day mark from the date they received my account in their office is XX/XX/XXXX, and thats not even taking into account the XXXX and XXXX XXXX Holidays. I never received a letter from them. The Due Process Prerequisites were not met. They claimed they did not have a phone # for me, even though I have had the same # for over 10 years. 

In addition to this, it appears there may be some sort of mix-up with who my offset maybe should have been disbursed to. When I call the Treasury Offset # ( XXXX ), it states that my tax offset was from the Department of Education, and I can contact them at XXXX & XXXX. The first # does not lead to XXXX XXXX, or the Department of Education. It leads to XXXXs XXXX XXXX XXXX XXXX XXXX. XXXX IS NOT the creditor that took my monies. In addition, if XXXX & XXXX both had offsets pending simultaneously, how is it that XXXX received the monies before XXXX, even though XXXX has had my account since XX/XX/XXXX? 

I am asking you to please certify that the monies paid out to XXXX was lawful, & please confirm that the request submitted to the " TOP '' was from XXXX XXXX & was valid, legally enforceable in the amount submitted and that all due process has been completed. They have added over {$4000.00} in collection fees to 3 loans that originally equaled to {$9100.00}. They are known for their dishonest, predatory, shady & abusive collecting practices ; The Department Of Education cancelled the contract they had with them in XX/XX/XXXX ( when they went by the name XXXX XXXX XXXX ). It was just last year, under the new Trump Administration, that the contract was re-established, despite XXXX/XXXX being accused of misleading distressed borrowers at very high rates, illegal debt collection practices & high incidences of materially inaccurate representations. 

Also, XXXX has added over {$4000.00} in collections fees to the 3 loans they have. they said that once I complete my 9 payments ( rehab program that I enrolled in with them ), {$3900.00} of those collection fees will drop off. Is this accurate/true for the rehab program? It sounds very fishy, so I want to make sure I'm not being taken advantage of in this aspect as well as my tax offset. 

This tax offset has put my family in a very bad situation. To have this happen to us with no notice is one of the most upsetting events that Ive ever experienced, and its caused a lot of emotional distress. I am asking for the CFPB to please look into my tax offset case, and please determine whether or not everything was filed correctly. If not, please rescind the offset & issue my due refund in a rush ( with emphasis ). 

I have also attached supporting documentation to assist you in your investigation. Thank you for reading. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation