Consumer complaint received 2018-08-17
Company: IQOR US INC
State: VA
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:
In XXXX I took out a loan with XXXX XXXX XXXX XXXX XXXX to attend a XXXX college in my home state. Later that loan was paid back by me with the help of my mother and father. 
I worked, purchased cars, a house, had credit cards, bank loans, never had anyone say I could not have those things, because I had an outstanding Student Loan, I never saw a Student Loan default on my credit reports. In XXXX I found out that XXXX had taken my Income Tax Refund. I notified the company spoke with customer service. I told XXXX at that time that the loan I took out was paid off and that is when I was informed that there were two loans. I asked for the backup for the loans. 

On XX/XX/XXXX I received an email from XXXX  with attachments, Account Overview, Transaction History, Payment History, a Promissory Note ( attached ). I knew the one that I personally took out with the bank in XXXX, but the one that was supposed to be from the XXXX college I did not know about. In XXXX I received a letter from a company by the name of Allied Interstate about the loans ( attached ). I sent Allied Interstate a Debt Validation Letter on XX/XX/XXXX and Allied Interstate never responded to the Debt Validation Letter, but they sent the same 3 pieces of paper like XXXX did in XX/XX/XXXX. 

On XX/XX/XXXX an Administrative Wage Garnishment was sent to my place of employment. I was notified by email from the XXXX department I was not notified by XXXX or Allied Interstate. The garnishment did not take place. On or around the end of XXXX beginning of XX/XX/XXXX I filed a complaint with the Ombudsman 's office. I received this respond back on XX/XX/XXXX from the Ombudsman 's office. ( see below ) Dear Ms. XXXX : Thank you for your inquiry to the Ombudsman Group. You indicate concerns of fraudulent actions by XXXX regarding an Administrative Wage Garnishment ( AWG ) placed with your employer. You assert that you have paid this debt off previously and have not had any indicators of this debt until now. You are seeking assistance with this issue regarding AWG and the validity of your federal student loans.

The Ombudsman Group is an independent office within the U. S. Department of Education and serves as an office of last resort to provide informal impartial assistance to borrowers to help resolve issues pertaining to their federal student loans. While our office does not have the authority to overturn a decision, we take into consideration the concerns, positions, and interests of all affected parties. We do not make binding decisions or testify at formal judicial or administrative hearings. We review the facts of the situation and explore possible resolutions that are in accordance with the federal statute governing federal student aid. 

The Ombudsman Group has reviewed your inquiry and determined that XXXX XXXX XXXX XXXX, ( XXXX ), is best able to assist you. Your issues have been escalated to XXXX Ombudsman contact for assistance. Someone should contact you within 7 to 10 business days. 

Alternatively, you may contact XXXX directly at XXXX. If you are not contacted within the timeframe above, send an email to XXXX or call us at ( XXXX ) XXXX, referencing Case XXXX. Should you find you are unable to resolve this matter after working with XXXX, please contact us. 

On or about XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX - Research Resolution Specialist Office of the Ombudsman. In the letter from Ms. XXXX she made several statements that were incorrect and send documents that are fraudulent/forgeries. Ms. XXXX sent me 2 notices titled XXXX  XXXX XXXX XXXX Loan Deferment Agreement ( attached ). One XXXX  Loan Deferment Agreement supposedly began on XX/XX/XXXX to XX/XX/XXXX this form was not filled out by me nor was it signed by me, the signature is a forgery the section that states " To be complete by the student '' my name is typed out, the date line is missing from the form and the signature again is not mine it is a forgery. The form conveniently has the box check for Hardship ( student responsible for interest ( Explain ) Remarks " Rewrite to bring current, Student responsible for interest. '' The 2nd XXXX Loan Deferment Agreement is to begin on XX/XX/XXXX to XX/XX/XXXX. This form is also fraudulent/forgery. The box checked is Hardship ( student responsible for interest ) Remarks " rewriting to bring current. '' the form not fill out by me the signature once again is a forgery. In Ms. XXXX 's letter she states that I was disbursed a XXXX subsidized loan each in the amount of {$1200.00} totaling {$2500.00} for educational expenses at XXXX XXXX College, she goes on to say " of that amount, {$1000.00} was cancelled or refunded, leaving the original disbursed amount {$1400.00}. I am being charged by XXXX/Allied Interstate {$2500.00}, plus interest and collection fees the loan that I took out was paid back by me and my parents, the second loan I have no knowledge of. Ms. XXXX goes on to say the XXXX paid XXXX   XXXX XXXX XXXX XXXX at XXXX of {$1500.00}, which became my new " PRINCIPAL BALANCE ''. XXXX/Allied Interstate have the Principal Balance as {$1200.00} Loan # 01 and {$1200.00} Loan # 02 ( attached ). This is fraud. My rights are being violated by XXXX/Allied Interstate that can  provide fraudulent documents to enrich themselves when the money is not owed. How is it that XXXX  can be allowed to have an Administrative Wage Garnishment and collect Income tax returns based on fraudulent documents and continue to get away with it. These documents that XXXX/Allied Interstate have are fraudulent my income tax return was taken based on this fraudulent information. I took out a loan with XXXX XXXX XXXX XXXX XXXX and paid it back, that second loan does not belong to me and I do not owe XXXX/Allied Interstate or XXXX {$6000.00} or XXXX XXXX that was my income tax return. This needs to be investigated. Ms. XXXX states that XXXX stated that I did make payments, but she claims it was only in the amount of {$480.00}, which is a lie on the part of XXXX. I would like all the documents pertaining to my loan that I took out with the bank. I know those documents are still around even if the bank is defunct. I do not see that payment amount on the documents that XXXX sent to me. I was told by the Attorney General of Virginia 's office to send this letter to this agency for investigation, I pray they are right. 

I received a Notice Prior to Wage Withholding " This Notice Prior to Wage Withholding is issued on : XX/XX/XXXX, this document goes on to stated : You have the right to request a hearing, within thirty ( 30 ) days of the date of this Notice, for any objection regarding the existence, amount, or enforceability of the debt, or any objection that the withholding proposed in this Notice ... 

I was not given 30 day. The letter is date XX/XX/XXXX due back by response on or before XX/XX/XXXX, the letter I received has a US Postage Stamp from a Postal Meter and the date is XX/XX/XXXX and I received it letter on XX/XX/XXXX in my US Mail Box, I have a picture of the day the letter was put into my PO Box . I know I am not the only person that have gone through this with XXXX/Allied Interstate, but the government choices to do business with a company that has no integrity. If you are not the agency, then please point me in that direction.

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