Consumer complaint received 2016-09-02
Company: Delta Management Associates, Inc.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I began receiving phone calls from a place that was calling itself " DM. '' They would not state what this acronym represented, and instead said, " Oh, you do n't know? I think you do. '' They would ask for my birthdate and social security number. Obviously, no sane individual gives their Birthdate and Social Security Number to someone who wo n't identify themselves and attempts to obtain personal information. I sent this organization a " Cease and Desist. '' They then contacted my workplace and spoke with the Administrative Assistant for my department. They attempted to obtain personal information about me from her. She provided me with their contact information. I called them again to state that they needed to stop. They said they would not talk to me unless I provided them with my Social Security Number and Date of Birth. Without receiving a single document from them, a " Notice Prior to Wage Withholding '' was sent to the Payroll division of my place of employment. The Payroll Officer provided me with this document. In response, on XXXX XXXX, 2016, I sent them a letter indicating that their actions are illegal. My place of employment said that they then received a notice to stop the wage garnishment. I thought that that was the end of this matter with Delta Management Associates , Inc . They have provided no debt validation, claiming that they can not do so unless I give them my Social Security Number and Date of Birth over the telephone. I have requested that they verify the existence of this debt, which is not listed on my credit, and which I did not enter into with any organization. I have absolutely {$0.00} in student loan debt, and I attended an online program, for which I was given a full scholarship. I maintained a XXXX GPA to keep that scholarship. I also have written documentation from the school indicating that I did not have any debts. Delta Management Associate 's claim that I owe more than {$50000.00} is absolutely ridiculous. The school was an in-state school with tuition of less than {$1600.00} for XXXX semesters. This student loan crisis is appalling and disgusting, and I do n't know why something is n't being done to stop this monumental fraud. Today, XXXX XXXX, 2016, I received another letter from the Payroll division of my place of employment. It is another " Notice of Wage Withholding '' from Delta Management. When I immediately called to determine what was happening, I received the same treatment. They state that they can not talk to me unless I provide them with my Date of Birth and Social Security Number. I called to ask them for their fax number, and in order to receive that information, they state that I must give them personally identifying information. The telephone call was recorded on both ends. I want this matter permanently resolved. Delta Management needs to correct all of its records and cease contacting my current and future places of employment. They also need to stop engaging in illegal Administrative Wage Garnishments, which is not an authority granted to them : a third-party debt collection agency. They are in violation of the FDCPA and my state 's ( California ) Rosenthal Act. I expect this matter to be resolved immediately.

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