Consumer complaint received 2020-08-14
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received collections attempts from 5 different companies in the past year. I have been unemployed or underemployed  since XXXX and this latest company has increased the loan by almost $ XXXX in the last 6 months. I dont know how to deal with these companies because even when I was able to afford to pay them the amount of money owed never seemed to reduce. In fact, it just seemed to increase every time it switched hands. The original loan with XXXX XXXX  was for {$8600.00}, today I owe {$7200.00} according to American Coradius International LLC. According to XXXX, XXXX and XXXX XXXX, XXXX, I paid appx {$8500.00} between XXXX on this loan. However in a packet from them dated XX/XX/XXXX, I found out via a note disclosure statement dated XX/XX/XXXX that my loan was actually for {$22000.00} which I did not know and if I had known, I wouldve never agreed to it. This was for a 6 month, 2 night a week XXXX course that promised job placement, ongoing use of facilities and equipment and ongoing education. Not only did XXXX  XXXX XXXX XXXX not fulfill their part of the agreement, they closed without notice 3 years after I attended the course. When I attended the school they had 44 locations, a very big selling point. They currently operate in only 6 cities. Additionally, I accepted this loan with the understanding it was a student loan to an accredited school. It was XXXX-certified to operate in XXXX  from XX/XX/XXXX to XX/XX/XXXX. The school had an admissions set up just like a XXXX college and I was very young/naive to believe it was legitimate. I come from a family with very little money, my mother and I didnt know or understand that we were entering a contract for an unsecured personal loan or how badly that would come to affect both of our lives and credit scores. Additionally, I do not understand how a business was allowed to operate as a state recognized school but is not listed in your database for schools nationwide. 

When CFPB attempted to reach out to the XXXX XXXX XXXX XXXX in regards to the debt, they had no information on the debt and seem to be operating under a new name. Please see their response : Company 's Response To CFPB RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case No. : XXXX XXXX XXXX XXXX File  No. : XXXX CFPB No. : XXXX Our office is in receipt of the complaint by XXXX XXXX dated XX/XX/XXXX. This matter does not appear to involve our firm. XXXX XXXX XXXX ( XXXX XXXX XXXX ) believes this Complaint was submitted to us in error as XXXX XXXX XXXX does not have any matters pertaining to XXXX XXXX. We are unable to determine the company to which the consumer intended to deliver this Complaint. This matter has been closed in our office because we are not the company listed in the Complaint and this consumers file does not belong to us. Please forward the Complaint to the appropriate third party. If there are any questions or comments, all future correspondence should be sent to : XXXX XXXX XXXX | Consumer Affairs XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX Office : XXXX|Fax : XXXX Email : XXXX Very Truly Yours, XXXX & XXXX XXXX XXXX XXXX , XXXX . XXXX

Company response to consumer: Closed with explanation