Consumer complaint received 2017-01-11
Company: ECMC GROUP, INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
ECMC has continued to file a wage attachment for a debt that was supposed to be cancelled and refunded XX/XX/XXXX. Now these collection tactics are harassment under the law. ECMC refunded me payments garnished in XX/XX/XXXX yet reactivated the garnishment, in XX/XX/XXXX so the 25 year timeline also makes this debt a violation of federal law. Further to prove my claim, they clearly stated that I withdrew from the school in under 6 weeks but the school did not refund me the money or cancel the loan properly. They further sent me a loan discharge form and stopped the collections and REFUNDED me XXXX out of the XXXX garnished. More importantly they claimed all notices mailed to me was to an old address and not the one i submitted to them in XX/XX/XXXX all this to justify this recent garnishment started in XX/XX/XXXX. But they resold the debt to another agency and started collections for a debt they know was not refunded and separation from the school, they do this all without any penalties so the harassment continues and the consumer protection laws are ignored. So, in XX/XX/XXXX and had updated current address and failed to notify properly, again proving that ECMC is attempting to collect a debt they are aware is in error and is not following proper notifications provided by the consumer protections laws. ECMC and XXXX XXXX have both illegally and unethically attempted to profit off me as the result. They have refunded XXXX % of money collected though a wage garnishment proving that they are aware of their internal errors and yet started the process all over again. I demand the cancellation of this loan by enforcing the documents to provided to CFPB, proving i separated from this school. 
I demand the release of this debt now that the time limits have expired by federal law over 20 years uncollected, in error and behind my back. I demand the wage garnishment stopped and settled for the third time in two years due to non compliance on the debt collections laws and the fact that i ( as a child ) followed the withdrawal of the school and never got a refund for the balance of the loan. Note the school was a XXXX school for a 12 month term - had no computers for us to learn on, and no books for us to keep -- so logically i properly withdrew and cancelled but full refund was due!! the paperwork was submitted to ECMC cancelling the loan but yet the garnishment is reopened as of today XX/XX/XXXX for the reason : the school is still opened, ( not an unpaid refund ) when this is totally incorrect, there is not a " XXXX XXXX school '' active or open in the state of New jersey. This is harassment, illegal and unfair causing financial hardship. Either they forward me the money paid to a school I withdrew from, they acknowledge that the lose claim due to 25 year rule for student loans and/or the cancel the loan due to refund was not paid. These companies should be ran out of business and sanctioned.

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