Consumer complaint received 2017-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC. (IL)

This letter is in regard to an Alleged outstanding student loan that was taken out in the amount of {$2500.00} in XX/XX/XXXX while I was a student at XXXX XXXX University. This debt has been paid years ago. This is a 32 year old debt that the Department of Education cant provide a complete history for this alleged outstanding debt. 
In going over the documents that were sent to me by my request I have noticed that the history of this loan is incomplete! This department is trying to collect on a debt that they do not have accurate or complete records. Theres 4 years history missing in which also includes payments to this account. My taxes have been intercepted since XX/XX/XXXX for these unfair debt collection practices by this department and the agency that they have contracted to collect an alleged debt ECMC are the ones that need to prove the validity of the debit and they cant! I have written this department several times with no success. 
The letter I received from The Department of Education references that XXXX credited my account {$2700.00} to an outstanding loan balance what I dont understand is if the loan balance was {$2900.00} why was there a an interest payment made in the amount of {$2100.00} and only {$430.00} paid to principal {$140.00} collection and {$6.00} fees? It seems to me that that payment should have wiped the majority of that loan off the books, seeing that my principal balance was {$2500.00}? So how am I in default? 
I need proof from this company on the complete history of this loan including the 4 missing years of history and all the payments that I made including how the payments were applied to the account, otherwise this debit is bogus and needs to be settled. Also, my taxes have been intercepted from XX/XX/XXXX thru XX/XX/XXXX it is not fair to me that I cant get a complete history of this account and what has really been paid. No American should be strapped with a debt for over 30 years without a clear understanding of what they paying for!!!! This was a {$2500.00} dollar debt we are now 32 years latter!!! Each department involved has a different amount that Im allegedly to owe. Where the checks and balances in this process are this company is using their power to hold my tax returns hostage unfairly!!! Where is my due process in this matter????? 


Let me be clear resetting the terms of this alleged debt are not a suitable option because there is a dispute of the validity. I have enclosed copies of correspondence from the Department of Education and the XXXX department on this matter. I want the IRS to stop intercepting my money because this department has not proven the validity of this debit! The Department of Education cant provide me with a COMPLETE history of this outstanding debt included the 4 years of history that is missing from my account! According to the Fair Credit Act, Im entitled to this information since the IRS is intercepting my taxes to pay a debt that is well over 30 years old and the company collecting has not provided a complete history of the validity of this debt! Also, I want a refund of all the money that was collected illegally from me using unfair debt collection practices for tax years XX/XX/XXXX-XX/XX/XXXX case in point my Federal tax returns. 
The collection agency at one time was harassing me on my job and using intimidating tactic to try to collect on this debt until I wrote them. I have held my taxes for the last three years because of this issue and I would like to bring my tax record current without this company stealing my money!!!!! 
I can be reached at XXXX or my address at XXXX XXXX XXXX XXXX, XXXX, IL XXXX Best Regards, XXXX XXXX XXXX CC : Federal Trade Commission, Senator XXXX XXXX, ECMC, Department of Education