Consumer complaint received 2016-11-12
Company: ECMC GROUP, INC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Educational Credit Management Corporation XXXX XXXX XXXX called and left a message for me at my place of employment a couple of weeks ago. I did not return their call as I thought it was spam. They then emailed me stating my loans were in default and to call them back. I know that my loans are not in default and their email still looked like spam, so I ignored it. The following day and every day since, I 've had XXXX calls at work from XXXX. I then started receiving calls and emails daily. I finally replied to an email and asked them to stop contacting me as I did not have any defaulted loans. The representative told me I did have loans and they were going to take 15 % of my wages to pay them. They then called my HR XXXX and " verified my employment. '' I told them this was a mistake and they asked me to call. When calling you must enter your social security number and date of birth. I did not feel comfortable doing this as I know I do not have defaulted loans based on my loan servicer, my credit report, as well as, never receiving any notices of late payments or defaulting. XXXX then continued to email me after XXXX requests to stop contacting me. They then called my place of employment again requesting some form be faxed to them. I asked them what loan I defaulted on. They could not tell me. This harassment continued for about XXXX days. I finally filed a complaint with the Better Business Bureau and the Federal Trade Commission. I informed XXXX of this and stated if they did not leave me alone, I would contact local law enforcement. I let them know that I used a member ID they sent to me in an email along with my birthday to try and call them back through their computer aided phone system. It said invalid entry. At this point, XXXX asked to verify my birth year. I said they had the incorrect date. He apologized and said he would not contact me or my employer again. Later that very day XXXX different XXXX employees called my HR XXXX at work to demand information about me. Luckily I had told my HR XXXX everything that was going on and forwarded my email communications with XXXX to her. She requested that they stop contacting our place of employment. The original XXXX employee then contacts her once again to demand a employment verification form be returned via fax to him stating that I did not work there and which social security number did not match up. This is completely inappropriate and bordering on harassment. If they are going to get the funds back from defaulted student loans, it would be beneficial for them to make sure they had the correct person. Hopefully this fiasco is now over with me, but this was a headache and handled entirely inappropriately. I did not appreciate their incessant calling at my workplace, of all places, nor did I appreciate their rude behavior. Not once were they able to verify which loan I had defaulted on.

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