Consumer complaint received 2024-04-01
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services (TX)

On XX/XX/year> I demanded EdFinancial services, as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ), provide me with : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Bond number of the licensed debt collector *Furnish the original contract that shows wet ink signature *Furnish the original contract or security agreement showing repayment of alleged debt In a letter from Edfinancial Services dated XX/XX/year>, they notified me that my request for need proof of income has been denied. I never requested proof of income in my XX/XX/year> letter. On a separate letter dated XX/XX/year> Edfinancial sent me a letter detailing a change in the status of your federal student loans. They did not respond to my initial demands as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). 

In a letter dated XX/XX/year> from Edfinancial Services, I was sent a notification that the alleged account is past due and a billing statement. 
In a letter dated XX/XX/year> EdFinancial Services addressed the request as per as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ), however they failed to provide proof of the original contract with wet ink signature. The document ( see attached ) displays a contract from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a typed signature and date. I am questioning the legitimacy of the contract and still have requested the following items from EdFinancial Services : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Bond number of the licensed debt collector *Furnish the original contract that shows wet ink signature *Furnish the original contract or security agreement showing repayment of alleged debt I requested not to be contacted by email or phone call as well and was still contacted by them via telephone. 
In a letter dated XX/XX/year> EdFinancial sent a letter stating they " have enclosed a copy of the information I requested '' but XXXX you can see ( see attachments ) they have still not provided any evidence of an original contract with wet ink signature. I am questioning the authenticity of the TYPED signature and dates on the alleged contract. 
In a separate letter dated XX/XX/year> I was sent a letter from EdFinancial services stating the alleged account was XXXX days or more past due and an outline of consequences of delinquency during on ramp period. 

In another letter dated XX/XX/year> from EdFinancial Services, they stated that their records indicate that the last scheduled payment has not been received and the account is now XXXX or more days past due. 

Since my initial letter on XX/XX/year>, I have yet to receive any of the information I demanded from EdFinancial Services. 

On XX/XX/year> I certified mailed a final warning to Edfinancial Services stating that if the unverified accounts were not removed, I would resort to taking legal action as per my rights.