Consumer complaint received 2017-04-09
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
By letter dated XX/XX/XXXX, and received on XX/XX/XXXX ECMC has issued a " Notice Prior to Wage Withholding '' for the amount of {$71000.00}. ECMC does not provide " Attachment A '' to the letter. The letter states, " See Attachment A for a list of your loans subject to administrative wage garnishment. '' Without being properly served, I can not respond appropriately to this letter. However, I suspect that this relates to an issue that I have been continuously dealing with since XX/XX/XXXX when I sent ECMC a " Cease and Desist '' after they improperly contacted my employer multiple times. Since that time, I have demonstrated how I paid for my education ( which I did not have the burden to do ), and I have filed complaints with the FTC, CFPB, California State Attorney General, two Senators and my local police. ECMC previously attempted to utilize an invalid document to attempt to claim that I have a student loan. The document did not have my signature, listed fraudulent information, and did not have the name of ECMC or any financial institution ( lender ) or guarantor anywhere on the form. The form was not an original, and the scan clearly reveals a form of media manipulation because the lines are not even straight. The dates are also completely inaccurate. Further, the amounts that ECMC claims far exceed the tuition for the time I attended graduate school : {$26000.00} for the entire program. It 's unfortunate that tuition has skyrocketed and outpaced inflation for the current generation, but using today 's dollar figures and attaching them to XX/XX/XXXX is just absurd. Although it is challenging to take any of this seriously, the fact is that ECMC will again go on to contact my work, and I am mired in a process in which I can not get them to leave me alone, even though I have responded to the shifted burden of proof in this country and demonstrated that I DO NOT OWE anything. The burden of proof should require debt verification and validation on ECMC 's part, but yet again, here we are with their incapability of providing a proper mailing. I have an existing " Notice of Intent to Sue '' for the State of California, and I intend to go to court over this matter. I fundamentally believe that ECMC needs to be investigated for financial fraud. I do not know why this organization has my information, and I do not know why they are creating fake documents to attempt to harass me and my employer. I work for a XXXX, and we do n't have time to be dealing with this for several hours each week. At first, I just wanted this to stop, but now I want compensatory and punitive damages. After all of this time ( XX/XX/XXXX to XX/XX/XXXX ), the individuals working for ECMC have still failed to provide a legal debt instrument. To now include a letter stating that an attachment is included that is n't does n't seem like a mistake to me. I WANT THEM TO INCLUDE ATTACHMENT A IN RESPONSE TO THE CFPB. I have included the original scanned document with the envelope and postdate. I want proof of the existence and enforceability of a valid debt. When they fail to produce this again, I want my information removed from their database with a letter from them indicating that they have done so.

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