Consumer complaint received 2017-09-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc. (TX)

In XXXX of XXXX, I was provided by my employer, XXXX XXXX, an Administrative Wage Garnishment Order for the U.S. Department of Education issued through Account Control Technology INC. 

1. At no time did I receive any notice either written or by telephone from Account Control Technology INC. regarding any debt they claim I owe.
2. I was never given an opportunity to dispute the debt or request debt validation before garnishment.
3. I was never provided the nature of the amount of the debt.
4. I was not provided an opportunity to inspect and copy records relating to the debt.
5. I was not given the opportunity to object to the garnishment as a means to collect the debt. 

6. I was not given the opportunity to avoid garnishment and provide voluntary payments.
7. I was not given the opportunity to enter into a written agreement under terms agreeable to the U.S. Department of Education to establish a voluntary repayment agreement.
8. I was not given the opportunity for a hearing to present and obtain a ruling on any objection by myself to the existence, amount or enforceability to the debt.
9. I was not given the opportunity for a hearing to present and obtain a ruling on any objection that garnishment of 15 % of my disposable earnings would produce an extreme financial hardship.
10. I was not given the opportunity to have garnishment action suspended by filing a timely request for a hearing, until the hearing is completed and a decision issued. 

In XXXX XXXX, I sent to Account Control Technology INC., via certified mail ; return receipt, a request for debt validation for the debt they claim I owe. It was delivered on XXXX XXXX, XXXX. After 30 days Account Control Technology INC. failed to provide the following documents in violation of the FDCPA : U.S. Department of Education debt # XXXX NOTICE OF LOAN GUARANTEE AND DISCLOSURE STATEMENT XXXX XXXX ( Controlling Document ) Reason : Original Promissory Note Application ; Section 3 : Lender Information : Incomplete LoanAmount {$.00} U.S. Department of Education debt # XXXX NOTICE OF LOAN GUARANTEE AND DISCLOSURE STATEMENT XXXX XXXX ( Controlling Document ) Reason : Original Promissory Note Application ; Section 3 : Lender Information : Incomplete LoanAmount {$.00} U.S. Department of Education debt # XXXX NOTICE OF LOAN GUARANTEE AND DISCLOSURE STATEMENT XXXX XXXX XXXX Controlling Document ) Reason : Original Promissory Note Application ; Section 3 : Lender Information : Incomplete LoanAmount {$.00} U.S. Department of Education debt # XXXX NOTICE OF LOAN GUARANTEE AND DISCLOSURE STATEMENT XXXX XXXX ( Controlling Document ) Reason : Original Promissory Note Application ; Section 3 : Lender Information : Incomplete LoanAmount {$.00} As a borrower, as stated on the promissory note application, which I signed, I am entitled to a Notice of Loan Guarantee Statement and Disclosure Statement This is the controlling document required to enforce any debt. Where the controlling document is not present, the promissory note application becomes the controlling document. ALL promissory note applications for XXXX loans applied for by XXXX XXXX through XXXX XXXX indicate a loan amount of {$.00}. 

I dispute the enforceability of this debt. Promissory note applications provided by XXXX XXXX for debts reinsured by the U.S. Department of Education are incomplete. Any amounts provided within Indemnification Agreements For the Assignment of XXXX XXXX XXXX XXXX with Damaged Promissory Notes or Promissory Notes With Un-initialed Alterations are not a true representation of any loan agreement between myself and any bank or guarantee agency and can not be litigated. 

ALL Administrative Wage Garnishments collected by the U.S. Department of Education during the period of XXXX XXXX through XXXX XXXX XXXX {$29000.00} ) for debts : XXXX, XXXX, XXXX and XXXX were improperly recorded as these debts are unenforceable through litigation and must be applied properly to undisputed debts : XXXX, XXXX, XXXX, XXXX, XXXX. 

As per the Fair Debt Collection Practices Act, if the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable. I have never received any communication from Account Control Technology Inc. at any time or by any means.
Account Control Technology , Inc. has failed to cease its collection activity and suspend the Administrative Wage Garnishment it has levied against me. 

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