This is my second time filing a complaint on the same company ; therefore the first part I write will be a repeat from my first complaint. 
I was looking into a " student loan forgiveness program '' and I came upon Equitable Acceptance. I spoke with this company on XX/XX/XXXX for over an hour as they explained to me that I would need to pay {$49.00} every month for approximately 3 years and after the three years of paying faithfully my student loan would be forgiven. I was super excited and agreed to this. I have been paying {$49.00} faithfully since with extra fees added on at times. In XX/XX/XXXX I paid {$55.00} ; XX/XX/XXXX I paid {$100.00} ; XXXX XXXX I paid {$50.00} and {$53.00}. I received a federal loan statements in XX/XX/XXXX and this is when I became confused ; therefore I did not pay Equitable Acceptance in XX/XX/XXXX and XX/XX/XXXX. I spoke to Equitable Acceptance who then explained to me that I paid them to find a student loan forgiveness company for me and there is nothing they can do about them not paying my student loan, but I would need to continue to pay Equitable Acceptance or they would send me to collection. This of course scared me as I am currently working on my credit and do not want anything sent to collection so I agreed to start paying them again in XX/XX/XXXX. I did ask for the name and phone number of the company they had found to pay my student loans off and they told me XXXX XXXX XXXX at XXXX and I called this number multiple times ; including today ( XX/XX/XXXX ) and left messages requesting a call back and I have yet to receive a call back and each time I have called I have never spoke with a live person. Today I called and spoke to the U.S. Department of Education and told them my situation and they were very helpful and understanding and they had informed me that plenty of people has been scammed with these other companies. I really need help on what I need to do because I don't want to keep paying money to a company that is not doing what they had told me they would do for me. 
The following is the e-mail from the company telling me that my student loan will be paid : XXXX, This is an update from XXXX XXXX regarding your student loan submission. Your Loan Verification Certificates have been submitted to your loan servicer/s in order for them to respond to the Department of Education ( DOE ) for the total payoff of your loans. Once a response is received, the DOE will pay off your current loans in full to initiate the first step in your consolidation. If there is any additional information required, we will contact you directly to request this information. 

It is not uncommon for you to receive a statement from your new loan servicer prior to your next status update from u. This statement is called a " loan summary statement '' showing a payment amount which reflects a Standard Program. This is part of your servicers mandated paperwork they are required to send to all new clients regardless of the program being entered. If you are enrolling into an Income Driven Repayment Program, please disregard this statement and allow an additional 2-4 weeks to receive your program terms reflecting your correct payment amount. We will notify you once your repayment terms have been confirmed. If you receive any paperwork that is confusing or inaccurate please do not hesitate to contact us so we may provide you with a more recent update and/or clarify any questions/concerns. 
How to contact us : Fax XXXX Email : XXXX Our Processing and Customer Service Departments are available from XXXX to XXXX Pacific Standard Time , Monday through Friday at XXXX. 

Best regards, XXXX XXXX My student loan was never paid by the company. The following is an email from the federal student loan requesting for a payment. When I started receiving calls and email from the department of education requesting for a payment I called EAC and XXXX XXXX and EAC basically said there was nothing they can do about it and student advocates would not answer the phone. This is when I knew I had to turn to CFPB for some help. 

XXXX XXXX <XXXX> To : XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX Hello XXXX : We are reaching out to remind you of your upcoming payment. 

Amount Due {$3500.00} Due Date XX/XX/XXXX The easiest way to make a payment is online through Account Access. By paying online, you can target extra funds to specific loans, schedule payments in advance, and more. Sign in and make your payment today! 

The first time I sent my complaint EAC responded stating the following ; Company 's Response Ms. XXXX 's allegations, and demand are inaccurate, unfounded, defamatory, contrary to the documents she signed, as well as contrary to Equitable Acceptance Corporations ( EAC ) records and recorded conversations with Ms. XXXX. Ms. XXXX has benefitted substantially from the underlying transactions since the Fall of XXXX. Any present problems are the result of her failing to return many emails and telephone calls, and to comply with her contract and instructions. At best, Ms. XXXX is confused, or has been misled badly about the underlying transactions. This response will attempt to clarify the underlying transactions. As is explained below, however, Ms. XXXX does not owe EAC anything any longer, and EAC has requested that the credit bureaus with which it does business delete the EAC account from Ms. XXXX 's credit history. As an initial matter, and contrary to Ms. XXXX complaint, EAC did not solicit or otherwise offer in any way to assist Ms. XXXX with her student loan debt. No representative of EAC contacted Ms. XXXX about her student loan debt, or made any representation to her about her student loan debt. Any suggestion to the contrary is just simply wrong. To the contrary, Ms. XXXX entered into a document preparation and service agreement with a separate company unrelated to EAC XXXX XXXX, XXXX ( XXXX  ). EAC was not a party to that agreement, and is, again, a separate unrelated company. The agreement between Ms. XXXX and XXXX, more importantly, clearly disputes Ms. XXXX 's concerns, and in particular the nature of her underlying arrangement with XXXX. Her contract with XXXX clearly states that it is a private company not affiliated with the Department of Education, and that XXXX  would work directly on Ms. XXXX 's behalf with the DOE to help her identify assistance programs offered by the DOE. Ms. XXXX 's agreements with XXXX further state and make clear that she could, if she so chose, try on her own to navigate the DOE student loan debt relief process herself without paying anyone a fee. According to the XXXX XXXX XXXX XXXX, however, the DOE student loan debt relief process is unnecessarily complex and borrowers too often confront an impenetrable bureaucracy that prevents them from accessing their rights. Searching for Relief : Desperate Borrowers and the Growing Student Loan Debt Relief Industry, XX/XX/XXXX. Companies like XXXX  thus offer their services for a fee, which is plainly set forth and made clear in the documents, to assist student loan debtors navigate this impenetrable bureaucracy. XXXX   simply facilitates its clients access to income driven and similar programs offered by and/or through the DOE. Depending on the clients family size and income, the client may qualify, under an existing governmental program with predetermined benefits available depending on the clients individual circumstances, for debt relief, including reduced monthly payment obligations. The amount of any payment reduction depends on where and how the clients personal circumstances fit into a predetermined program and schedule of benefits. Determining what predetermined benefits are available to XXXX   clients is one of the primary services provided by XXXX. In order to provide this service, XXXX obtains the requisite information needed from the debtor, and completes on behalf of the debtor the requisite DOE applications and forms. The service provided does not include negotiating for any forgiveness or reduction of the debtors loans. The service simply involves determining what relief is available to a specific debtor and applying for that relief. The service may result in reduced monthly payments for a period depending on the debtors individual circumstances, and consolidation of the debtors loans. That is the benefit received by the student loan debtor. The DOE process also requires thereafter annual renewals, which XXXX may, with certain clients, also agree to handle for the debtor for an agreed amount of time. In a number of respects, the service offered by and available through XXXX is similar to a tax payor hiring a tax preparer to prepare the persons tax returns. The tax payor could, if they so choose, attempt to prepare their returns on their own, or they can hire the tax preparer to do it for them. If the tax preparer is hired, a fee is charged for the service of completing the tax returns. The tax payors resulting tax burden is not affected by the tax preparer. The tax burden is a function of the tax payors individual circumstances and how they fit into a predetermined set of tax rules. XXXX 's offer of services to student loan debtors, like Ms. XXXX, is similar. In exchange for XXXX   assistance in navigating and completing the DOE process, XXXX  charges a disclosed fee. The end result again for the student loan debtor is a function of the student loan debtors personal circumstances and how they fit into a predetermined income driven or similar program and schedule of benefits. It is solely the clients individual circumstances, which drive and determine what level of assistance or relief is available to a XXXX client. If a student loan debtor decides to hire XXXX to apply for whatever benefits are available to the student loan debtor, an agreement by and between the debtor and XXXX   is then memorialized in a written agreement and other related documents necessary to complete the DOE process e.g., financial information such as income and family size is obtained. The agreement contains a number of disclosures and terms, including but not limited to that the student loan debtor is free to try and navigate the DOE process on their own, and they are not obligated to pay XXXX unless and until XXXX successfully completes the DOEs benefit application process for the debtor. With respect to Ms. XXXX specifically, XXXX   offered to wade through all the DOE paperwork, websites and applications for her, and obtain for her whatever benefits were available to her. If requested by Ms. XXXX, XXXX would assist her with assembling and processing the applications and documents, which make up the student loan debt assistance programs offered by the DOE, and also assist her with any annual renewals or re-certifications. There was no service fee due from Ms. XXXX to XXXX unless and until XXXX  obtained for Ms. XXXX whatever benefits were available specifically to her. With this background, the records and information available to EAC indicate that Ms. XXXX then chose not to attempt the process on her own, and instead hired XXXX to do it for her. The written agreement executed by and between Ms. XXXX and XXXX  is quite clear. XXXX then performed its part of the bargain for Ms. XXXX and applied for the DOE benefits available to her. For example, XXXX  applied for and obtained enrollment for Ms. XXXX in the DOEs loan consolidation program effective XX/XX/XXXX, and then into the DOEs REPAYE program effective XX/XX/XXXX. After XXXX 's services and efforts, Ms. XXXX 's monthly payment obligation was reduced to {$0.00} effective. To stay in the REPAYE program, Ms. XXXX is required to recertify annually her income. Starting in XX/XX/XXXX, XXXX notified Ms. XXXX of the approaching time for her to renew. According to XXXX, it attempted to reach Ms. XXXX 38 times by email and 27 times by telephone about her need to renew. Each and every one of those attempts was ignored. Since Ms. XXXX did not renew her enrollment on time, her student loans went into default. XXXX, however, again tried to help her by obtaining a forbearance for her, which ended in XX/XX/XXXX. Still, Ms. XXXX has ignored all attempts to reach her. Even though it now appears from her complaint that Ms. XXXX does not appear to understand her DOE program and XXXX 's efforts, XXXX is in possession of a recorded conversation with Ms. XXXX in which she acknowledges and verifies her agreement with XXXX and the benefits she received. Mr. XXXX also appears to not understand EACs  role in this matter. EAC did not get involved with Ms. XXXX until she had already agreed to hire and pay XXXX   to assist her. Apparently, Ms. XXXX was unable or unwilling to pay XXXX  all at once. At that point, EACs services were made known to Ms. XXXX. EAC was willing to pay XXXX for her, in exchange for Ms. XXXX then repaying EAC over time, with interest. The choice was once again Ms. XXXX 's to make. She could, if she so chose, submit a request and application to EAC asking EAC to pay XXXX for her. If EAC receives such a request from a student loan debtor like Ms. XXXX, EAC evaluates the application, as well as the agreement between XXXX and the debtor, and XXXX  written assurance that the DOE process has been successfully completed and whatever benefit was available to the debtor has been obtained. EAC also obtains verbal verification from the debtor acknowledging the existence of the debtors request for a separate agreement with EAC. EAC then decides whether to accept or reject the application. If EAC accepts the request, EAC then enters into a separate agreement with the debtor pursuant to which EAC agrees to pay XXXX  for the debtor, and in exchange, the debtor agrees to repay EAC over time with interest. In this instance, Ms. XXXX did in fact submit to EAC an application for EAC to pay XXXX  for her. After reviewing Ms. XXXX 's request, her agreement with XXXX and verifying the situation with Ms. XXXX directly, EAC agreed to pay XXXX for Ms. XXXX and did in fact do so. An audio recording of Ms. XXXX acknowledging and verifying that EAC would be paying XXXX for her exists as well. In that recording, among other things, Ms. XXXX acknowledges that her payments to EAC are to repay EAC, and are not payments towards her student loan debt. EAC thus disagrees vehemently with Ms. XXXX 's complaint and demand. However, EAC only gets involved in transactions like this on a full recourse basis with XXXX. That allows EAC to unwind any transaction and charge the account back to XXXX. Given Ms. XXXX 's complaint here, EAC has exercised its rights with XXXX and unwound the transaction. Ms. XXXX therefore no longer owes EAC anything. Should she have any additional concerns or demands, she should address them to XXXX. 

In the above statement they clearly state that I do not owe them anything, but recently I have been receiving emails requesting for payment and threatening me that if I don't pay they will send me to collection which will go against my credit. The following is a recent email from the company. 

Good Afternoon XXXX, We have been notified by Equitable Acceptance that your loan has been charged off due to nonpayment. Our Accounts Receivable Department will be turning your file over to a third party collection agency and your credit will be adversely affected unless we can agree on settlement terms before this occurs. 

Your charge off amount from Equitable is {$770.00}, I am willing to settle your account for {$490.00}. If you would like to break the payment into installments you can let me know, I will accept installment payments to pay the settlement amount in full. I need an immediate response for this offer to be valid, otherwise your delinquent amount due will accrue interest and penalty fees. I have been assigned as the case manager on your file please contact me on my direct line or my email. 



Regards, XXXX XXXX Account Executive Student Advocates XXXX Direct : XXXX SXXXX XXXX Image This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited. 








XXXX XXXX XXXX To : XXXX XXXX XX/XX/XXXX at XXXX PM Good afternoon, XXXX I have records stating that I no longer owe money to Equitable Acceptance and they were the one that told me that I no longer owe any money. This needs to be fixed. I will send you the records as I do not need this sent to collection as it will affect my credit. 

Thank you, XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote XXXX Good Afternoon XXXX, We have been notified by Equitable Acceptance that your loan has been charged off due to nonpayment. Our Accounts Receivable Department will be turning your file over to a third party collection agency and your credit will be adversely affected unless we can agree on settlement terms before this occurs. 

Your charge off amount from Equitable is {$770.00}, I am willing to settle your account for {$490.00}. If you would like to break the payment into installments you can let me know, I will accept installment payments to pay the settlement amount in full. I need an immediate response for this offer to be valid, otherwise your delinquent amount due will accrue interest and penalty fees. I have been assigned as the case manager on your file please contact me on my direct line or my email. 



Regards, XXXX XXXX Account Executive Student Advocates XXXX Direct : XXXX XXXX Show original message XXXX XXXX ... To : XXXX XXXX Subject : Re : URGENT MATTER!!! ... 

XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XX/XX/XXXX at XXXX XXXX  Hi XXXX, I have added the complaint with their response stating that I no longer owe them anything in which I have highlighted. I will continue with these complaints on this company if I continue to be harassed as well as contacting my lawyer. This company misled me and did not do anything they told me that they would do. I will also forward you the e-mail I received of them telling me what they would do for me in which they did not do. Thank you. 
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I was looking into a " student loan forgiveness program '' and I came upon Equitable Acceptance. I spoke with this company on XX/XX/XXXX for over an hour as they explained to me that I would need to pay {$49.00} every month for approximately 3 years and after the three years of paying faithfully my student loan would be forgiven. I was super excited and agreed to this. I have been paying {$49.00} faithfully since with extra fees added on at times. In XX/XX/XXXX I paid {$55.00} ; XX/XX/XXXX I paid {$100.00} ; XXXX XXXX I paid {$50.00} and {$53.00}. I received a federal loan statements in XX/XX/XXXX and this is when I became confused ; therefore I did not pay Equitable Acceptance in XX/XX/XXXX and XX/XX/XXXX. I spoke to Equitable Acceptance who then explained to me that I paid them to find a student loan forgiveness company for me and there is nothing they can do about them not paying my student loan, but I would need to continue to pay Equitable Acceptance or they would send me to collection. This of course scared me as I am currently working on my credit and do not want anything sent to collection so I agreed to start paying them again in XX/XX/XXXX. I did ask for the name and phone number of the company they had found to pay my student loans off and they told me XXXX XXXX XXXX at XXXX and I called this number multiple times ; including today ( XX/XX/XXXX ) and left messages requesting a call back and I have yet to receive a call back and each time I have called I have never spoke with a live person. Today I called and spoke to the U.S. Department of Education and told them my situation and they were very helpful and understanding and they had informed me that plenty of people has been scammed with these other companies. I really need help on what I need to do because I don't want to keep paying money to a company that is not doing what they had told me they would do for me. Thank you View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Ms. XXXX 's allegations, and demand are inaccurate, unfounded, defamatory, contrary to the documents she signed, as well as contrary to Equitable Acceptance Corporations ( EAC ) records and recorded conversations with Ms. XXXX. Ms. XXXX has benefitted substantially from the underlying transactions since the Fall of XXXX. Any present problems are the result of her failing to return many emails and telephone calls, and to comply with her contract and instructions. At best, Ms. XXXX is confused, or has been misled badly about the underlying transactions. This response will attempt to clarify the underlying transactions. As is explained below, however, Ms. XXXX does not owe EAC anything any longer, and EAC has requested that the credit bureaus with which it does business delete the EAC account from Ms. XXXX 's credit history. As an initial matter, and contrary to Ms. XXXX complaint, EAC did not solicit or otherwise offer in any way to assist Ms. XXXX with her student loan debt. No representative of EAC contacted Ms. XXXX about her student loan debt, or made any representation to her about her student loan debt. Any suggestion to the contrary is just simply wrong. To the contrary, Ms. XXXX entered into a document preparation and service agreement with a separate company unrelated to EAC XXXX XXXX, XXXX ( XXXX ). EAC was not a party to that agreement, and is, again, a separate unrelated company. The agreement between Ms. XXXX and XXXX, more importantly, clearly disputes Ms. XXXX 's concerns, and in particular the nature of her underlying arrangement with XXXX. Her contract with XXXX clearly states that it is a private company not affiliated with the Department of Education, and that XXXX would work directly on Ms. XXXX 's behalf with the DOE to help her identify assistance programs offered by the DOE. Ms. XXXX 's agreements with XXXX further state and make clear that she could, if she so chose, try on her own to navigate the DOE student loan debt relief process herself without paying anyone a fee. According to the XXXX XXXX XXXX XXXX, however, the DOE student loan debt relief process is unnecessarily complex and borrowers too often confront an impenetrable bureaucracy that prevents them from accessing their rights. Searching for Relief : Desperate Borrowers and the Growing Student Loan Debt Relief Industry, XX/XX/XXXX. Companies like XXXX thus offer their services for a fee, which is plainly set forth and made clear in the documents, to assist student loan debtors navigate this impenetrable bureaucracy. XXXX simply facilitates its clients access to income driven and similar programs offered by and/or through the DOE. Depending on the clients family size and income, the client may qualify, under an existing governmental program with predetermined benefits available depending on the clients individual circumstances, for debt relief, including reduced monthly payment obligations. The amount of any payment reduction depends on where and how the clients personal circumstances fit into a predetermined program and schedule of benefits. Determining what predetermined benefits are available to XXXX  clients is one of the primary services provided by XXXX. In order to provide this service, XXXX obtains the requisite information needed from the debtor, and completes on behalf of the debtor the requisite DOE applications and forms. The service provided does not include negotiating for any forgiveness or reduction of the debtors loans. The service simply involves determining what relief is available to a specific debtor and applying for that relief. The service may result in reduced monthly payments for a period depending on the debtors individual circumstances, and consolidation of the debtors loans. That is the benefit received by the student loan debtor. The DOE process also requires thereafter annual renewals, which XXXX may, with certain clients, also agree to handle for the debtor for an agreed amount of time. In a number of respects, the service offered by and available through XXXX  is similar to a tax payor hiring a tax preparer to prepare the persons tax returns. The tax payor could, if they so choose, attempt to prepare their returns on their own, or they can hire the tax preparer to do it for them. If the tax preparer is hired, a fee is charged for the service of completing the tax returns. The tax payors resulting tax burden is not affected by the tax preparer. The tax burden is a function of the tax payors individual circumstances and how they fit into a predetermined set of tax rules. XXXX 's offer of services to student loan debtors, like Ms. XXXX, is similar. In exchange for XXXX assistance in navigating and completing the DOE process, XXXX charges a disclosed fee. The end result again for the student loan debtor is a function of the student loan debtors personal circumstances and how they fit into a predetermined income driven or similar program and schedule of benefits. It is solely the clients individual circumstances, which drive and determine what level of assistance or relief is available to a XXXX  client. If a student loan debtor decides to hire XXXX to apply for whatever benefits are available to the student loan debtor, an agreement by and between the debtor and XXXX is then memorialized in a written agreement and other related documents necessary to complete the DOE process e.g., financial information such as income and family size is obtained. The agreement contains a number of disclosures and terms, including but not limited to that the student loan debtor is free to try and navigate the DOE process on their own, and they are not obligated to pay XXXX unless and until XXXX successfully completes the DOEs benefit application process for the debtor. With respect to Ms. XXXX specifically, XXXX  offered to wade through all the DOE paperwork, websites and applications for her, and obtain for her whatever benefits were available to her. If requested by Ms. XXXX, XXXX would assist her with assembling and processing the applications and documents, which make up the student loan debt assistance programs offered by the DOE, and also assist her with any annual renewals or re-certifications. There was no service fee due from Ms. XXXX to XXXX unless and until XXXX obtained for Ms. XXXX whatever benefits were available specifically to her. With this background, the records and information available to EAC indicate that Ms. XXXX then chose not to attempt the process on her own, and instead hired XXXX to do it for her. The written agreement executed by and between Ms. XXXX and XXXX is quite clear. XXXX then performed its part of the bargain for Ms. XXXX and applied for the DOE benefits available to her. For example, XXXX applied for and obtained enrollment for Ms. XXXX in the DOEs loan consolidation program effective XX/XX/XXXX, and then into the DOEs REPAYE program effective XX/XX/XXXX. After XXXX 's services and efforts, Ms. XXXX 's monthly payment obligation was reduced to {$0.00} effective. To stay in the REPAYE program, Ms. XXXX is required to recertify annually her income. Starting in XX/XX/XXXX, XXXX notified Ms. XXXX of the approaching time for her to renew. According to XXXX, it attempted to reach Ms. XXXX 38 times by email and 27 times by telephone about her need to renew. Each and every one of those attempts was ignored. Since Ms. XXXX did not renew her enrollment on time, her student loans went into default. XXXX, however, again tried to help her by obtaining a forbearance for her, which ended in XX/XX/XXXX. Still, Ms. XXXX has ignored all attempts to reach her. Even though it now appears from her complaint that Ms. XXXX does not appear to understand her DOE program and XXXX  's efforts, XXXX is in possession of a recorded conversation with Ms. XXXX in which she acknowledges and verifies her agreement with XXXX  and the benefits she received. Mr. XXXX also appears to not understand EACs role in this matter. EAC did not get involved with Ms. XXXX until she had already agreed to hire and pay XXXX   to assist her. Apparently, Ms. XXXX was unable or unwilling to pay XXXX all at once. At that point, EACs services were made known to Ms. XXXX. EAC was willing to pay XXXX for her, in exchange for Ms. XXXX then repaying EAC over time, with interest. The choice was once again Ms. XXXX 's to make. She could, if she so chose, submit a request and application to EAC asking EAC to pay XXXX  for her. If EAC receives such a request from a student loan debtor like Ms. XXXX, EAC evaluates the application, as well as the agreement between XXXX and the debtor, and XXXX written assurance that the DOE process has been successfully completed and whatever benefit was available to the debtor has been obtained. EAC also obtains verbal verification from the debtor acknowledging the existence of the debtors request for a separate agreement with EAC. EAC then decides whether to accept or reject the application. If EAC accepts the request, EAC then enters into a separate agreement with the debtor pursuant to which EAC agrees to pay XXXX for the debtor, and in exchange, the debtor agrees to repay EAC over time with interest. In this instance, Ms. XXXX did in fact submit to EAC an application for EAC to pay XXXX for her. After reviewing Ms. XXXX 's request, her agreement with XXXX and verifying the situation with Ms. XXXX directly, EAC agreed to pay XXXX for Ms. XXXX and did in fact do so. An audio recording of Ms. XXXX acknowledging and verifying that EAC would be paying XXXX for her exists as well. In that recording, among other things, Ms. XXXX acknowledges that her payments to EAC are to repay EAC, and are not payments towards her student loan debt. EAC thus disagrees vehemently with Ms. XXXX 's complaint and demand. However, EAC only gets involved in transactions like this on a full recourse basis with XXXX. That allows EAC to unwind any transaction and charge the account back to XXXX. Given Ms. XXXX 's complaint here, EAC has exercised its rights with XXXX and unwound the transaction. Ms. XXXX therefore no longer