Consumer complaint received 2020-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Reliant Capital Solutions, LLC (WA)

I am making a formal complaint against Reliant Capital Solutions , LLC and XXXX. 

I am being treated unfairly. The gross disservice placed against my right to due process is devastating. These unreasonable actions imposed on my life have thrust me into a continuous cycle of upheaval and chaos all based upon a fraudulent student loan which I have been disputing for the past 14 years. I did not go to the XXXX XXXX XXXX XXXX XXXX in New York. 
I never requested a loan from or attended, the XXXX XXXX XXXX XXXX XXXX in New York. The school is closed and I have no way of contacting them. Once I became aware of the claim ( XX/XX/XXXX ), in good faith, I have provided documents and communicated with XXXX on numerous occasions as well as, each of the collection agencies assigned to the file with the goal of this erroneous loan to be discharged. 

My paycheck once again is being garnished. To continuously have a significant portion of my wages and tax refunds snatched due to a loan I did not request or utilize, continues to be a traumatic experience. 

I was deprived of my right to request a hearing to appeal the garnishment. I never received a 30-day warning from the collection agency currently handling the loan in question. I was not notified by the agency before the garnishing of wages began. The first written correspondence received directly from Reliant Capital Solutions , LLC was dated XX/XX/XXXXwell after the garnishment began. 

On or around XXXX XXXX XXXX, I aggressively contacted XXXX and was referred to a collection agency -- Reliant Capital Solutions , LLC at XXXX when I was informed by my employer ( via email ) that an offset would start with Fridays check ( 3-days later ). 

Upon speaking with XXXX and the collection agency, I provided them with my current address because they did not have the correct address on file. I was adamant about disputing the actions against me. 

To date, my numerous requests that the assigned agencies provide burden of proof has not been satisfied. No Collection agency has successfully produced the proper paperwork proving that I am the true owner of the debt. 

There have been inconsistencies when it comes to the loan account number, principal loan amounts discrepancies, wrong addresses, and timelines that do not coincide with the events referencing the location of the school, meeting the guidelines and qualifications to receive the loan. 

The promissory note reflects a loan which was granted by XXXX ( New York State ),  c/o of XXXX XXXX XXXX XXXX in XXXX, CA, in XXXX and the name and location of the School who received payment in which I never applied to and did not attend is XXXX XXXX XXXX XXXX XXXX in the State of New York. The printed name on the document is not my name. The signature could pass but I DID NOT SIGN the document for a loan to attend the XXXX XXXX XXXX XXXX XXXX. I would not misspell my name on any document. The paperwork is a result of forgery. 

In pursuit of exoneration from this fraudulent student loan, I contacted the agency and requested they provide me paperwork in support of their claim. Instead of supporting documents, I received on XX/XX/XXXX, a Rate Increase letter. I contacted the agency and they informed me that it would take up to 90 days for me to receive the information I requested. 

On XX/XX/XXXX, instead of supporting documents, I received from the agency an Assignment to a Collection Agency letter. Please keep in mind that I had not received any written supporting documentation. The only consistent numbers on all three letters are located on the top right corner under a barcode. 

In contacting XXXX I was referred to XXXX XXXX XXXX XXXX located in XXXX, AZ-the newly assigned collection agency. I contacted the agency at ( XXXX ) XXXX and informed them that I did NOT attend a school in New York and requested that they provide me with written proof in support of the claim. The agency was rude and continue to give me the runaround while harassing me all the while. 

I submitted a dispute letter via fax written on my behalf from Attorney XXXX XXXX dated XX/XX/XXXX, in support of my claim of False Certification. 

On XX/XX/XXXX, I faxed to Post Default in support of my dispute and per the request of XXXX, copies of my G.E.D, drivers license, social security card, and samples of my signatures. 

Also submitted was a work printout from the Social Security office dated XX/XX/XXXX. Please note, I never lived or worked in New York, Michigan, Virginia or Florida states, however, I noticed that the corporate addresses of the Temporary Employment Agencies for XXXX XXXX XXXX , XXXX, ( New York ) XXXX XXXX , XXXX ( Michigan ) XXXX XXXX  XXXX ( Virginia ) and XXXX XXXX , XXXX. ( Florida ) are located in those states. The report supports the fact that someone other than myself located in New York, probably in HR or Accounting Departments had access to my personal information and stole my identity. 

In anticipation of a positive decision of discharge, instead, I received another Treasury Offset Notification on XX/XX/XXXX. Regardless of my efforts and numerous disputes. 

Once again I filed a dispute and also submitted a copy of an XXXX Credit Report as of XX/XX/XXXX. Within the credit report, I highlighted multiple discrepancies which included, proof of identity thief. The report included names that were close to mine but were not mine. Addresses in cities and states in which I never lived. And social security numbers that were not assigned to me and were not mine. Regardless of the advanced technology to help prevent identity thief today, I still find myself receiving emails informing me that my identity has been compromised due to corporations having their data breached. I remain in continued dispute by requesting the reporting agencies to remove the incorrect data from my reports. 

Please note, I received a copy of the alleged Promissory Note only after I submitted detailed information certified US mail XX/XX/XXXX, to XXXX to include samples of my signature, a copy of my drivers license along with a letter disputing the loan. 

I did not have a high school diploma or G.E.D. during the timeframe the paperwork reflects that I allegedly went to the school. According to the eligibility guidelines ; The school had the responsibility to make sure all students could benefit from the educational program, and therefore, If I had indeed applied, they would have given me an ability to benefit exam. 

To date, no proof has been presented to confirm that the exam was administered nor have I received proof that the school used an approved exam or followed proper protocol regarding a student without a high school diploma or G.E.D. qualifying for the student loan. 

If I had taken out the loan and attended the XXXX XXXX XXXX XXXX XXXX in New York, wouldn't I have received a certification of some sort within the field of XXXX from the school? You would think that I would have at least worked in some capacity in the field of XXXX? But I do not have a certification from that school and I have never worked in the field of XXXX. 

The garnishment actions imposed unfairly upon my earnings have caused an undue financial and emotional hardship and is now beginning to impact me physically at this point as well. In XXXX, I have experienced divorce, and displacement where I was forced to move from my home and had to downsize to an apartment. 

Since this last garnishment/offset for a loan that I did NOT take advantage of, I can barely afford to pay my rent, health insurance co-pays or buy my medicine. As I am writing this complaint, I am forced to move again on XX/XX/XXXX, because I can not afford to maintain my essentials like shelter, food, etc. In anticipation of the moving costs, security deposits, rental insurance and fees within the next two weeks. I need every penny of my earnings and then some to avoid being homeless. 

Today, XX/XX/XXXX, I followed up with Reliant Capital Solutions via telephone, to ask them and XXXX to suspend the garnishment until I receive a fair hearing. I also informed them that I had uploaded three different False Certification forms, a written statement and multiple documents in support of my dispute of the loan. But the collection agency insisted on me making payment arrangements on a loan I did not receive. I was told that I would not qualify for the garnishment suspension unless I made payment arrangements and redirected back to XXXX. Reliant successfully discouraged me by suggesting that it could take months for XXXX to even review the appeal, stop the garnishment and/or be considered for the loan to be completely discharged. 

In retrospect, had I taken out the loan, I would have never allowed the principle and interest to escalate to {$14000.00}. It would not make sense for me to have suffered and allowed years of numerous garnishments/offsets, harassment, and embarrassment. I would have paid back the loan by noweven if I had to make payment arrangements in support of my budget. But I did not go to the XXXX XXXX XXXX XXXX XXXX in New York. 

I have nothing left in me to fight. This ordeal has caused me to be exhausted and sick to my stomach. I can not afford to wait months ; I need this error corrected as soon as possible. This situation is ruing my life! 



Respectfully,