Consumer complaint received 2019-04-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (KY)

Several months ago I completed all of the required forms and payments to get my Student Loans out of collections with GC Services. I was assured by multiple GC Services reps that I'd completed everything that was required from me, and was also assured that my account would be removed from Federal Offset for my tax returns. Between XX/XX/XXXX and late XX/XX/XXXX, I heard nothing from GC Services, indicating to me that my interactions with them were completed. However, at the end of XX/XX/XXXX, I received a packet in the mail stating that additional information from me was required in order to get my loans out of default. When I called GC Services to discuss what else was needed, I was informed the packet was not accurate- they didn't need any of the information being requested. The issue was that the loans were under my maiden name XXXX, and my married name is XXXX. During the dozen phone calls I'd had with GC Services prior to this moment, I'd told them every single time my name was no longer XXXX. I'd even filled out the form on every packet that asked me to note any changes, such as a change to my name, mailing address, phone number, etc. I changed my name to XXXX on every single form. Also, my wages were being garnished, and my paychecks are made out to XXXX XXXX, so to say that my last name being different was causing the issues is preposterous. They'd known my last name had changed all along. It is associated to my social security number. 

Per the request of the GC Services rep, I uploaded proof of my name change : my drivers license and a copy of my social security card. I called back that evening to ensure it'd been received and was assured it had been, and it was being updated in the system to keep my tax return from being offset. With this confirmation, I went ahead and filed my Federal and State tax return roughly 1-2 weeks later. 

My Federal return was offset 100 % for my student loans being in default, which they weren't. I'd done absolutely everything that was asked of me and more. I spoke to an assistant manager at GC Services named XXXX XXXX, who advised me he'd reviewed the calls and determined that i was correct- no one ever mentioned my last name being different would cause the issue, and the error fell on their shoulders. He assured me he'd work with the Department of Education to get my Federal Return back. Below I have included a list of some of the times I have interacted with GC Services in the last couple of months trying to resolve this issue. No one has had an answer for me. I'm repeatedly being given the runaround- that someone is out of the office, or the contact at the Department of Education is not responding, etc. I have waited over two months, I've called repeatedly, and I am at risk of being evicted because of the $ 6,000+ I was offset for a mistake made on GC Services 's part. 

XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 I want the entire amount of my Federal Return returned to me ASAP, whether that be through the Department of Education, or through GC Services themselves. Legal action will be pursued if this is not handled with haste.