Consumer complaint received 2016-09-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
In XXXX XXXX, my husband and I filed chapterXXXX bankruptcy. We paid 96 % of the claims and were discharged successfully after 5 years. My Issue or complaint with ECMC is that 1 ) We just completed a chapter XXXX bankruptcy where they filed a claim ( as did XXXX XXXX, more than once ), and we paid those obligations in full or close to, and 2 ) Now that we 're out of bankruptcy, they are claiming I owed significantly more than what was claimed, and those claims came to ECMC via XXXX XXXX, 3 ) we 've presented SEVERAL issues with the amounts they are claiming I still owe to them, my lawyer, and THEIR lawyer, and 4 ) the lawyers involved in the issue are allowing the issue to continue whereby I 'm being penalized for following everything I 've been told to do by my lawyer 's office. We believe we paid XXXX XXXX in full ( or close to ). I have issued a dispute with ECMC and filed a request for a hearing from ECMC, but I have not heard back from them. I 've been attempting to engage my lawyer 's office with mile results. My lawyer 's office has attempted to contact ECMC 's lawyers with no results - a response, but no response from ECMC. Meanwhile, my wages have started to be garnished when I have valid issues or concerns with the amount they owe I claim. 
I have not tried to DISCHARGE any student loans - in fact, I 've done my due diligence to get them paid and avoid wage garnishment ( without obligating myself to loans I feel are erroneous ). However, even when following the advice of the lawyer 's office and attempting to follow the rules outlined to me, even with successfully completing the chapter XXXX bankruptcy, I not only was harassed by ECMC with threatening phone calls/emails, they somehow were able to garnish my wages with no hearing, no follow-up to my dispute, and no formal notification from them other than the notice/request for a hearing documentation that I submitted to them within the timeframe allotted, and no response from their lawyer. 
Upon review of the account transactions from ECMC and the Chapter XXXX Trustee 's ledger there were several concerns as follows : 1 ) ECMC has included charges totaling {$12000.00} for collection costs. These charges were all assessed while in the Chapter XXXX Bankruptcy case. 
2 ) On XXXX XXXX, XXXX ECMC shows transferred records totaling {$45000.00}. The Proof of Claim filed by ECMC on XXXX XXXX, XXXX was only filed in the amount of {$10000.00}. We believe that the transferred records totaling {$45000.00} were paid as separate claims in the Chapter XXXX Bankruptcy in part or full. 
3 ) XXXX payments to ECMC were reported as unclaimed funds totaling {$2000.00}. A change of address was filed by ECMC on XXXX XXXX, XXXX which appears to have resolved the issue of the unclaimed funds. 
4 ) There was a payment by the Trustee on the claim of ECMC dated XXXX/XXXX/XXXX in the amount of {$140.00} that was not posted by ECMC in the transaction history and was not reported as unclaimed funds. 
5 ) There was a payment posted in the transaction history dated XXXX/XXXX/XXXX in the amount of {$97.00}. The XXXX issued this payment on the claim of XXXX XXXX - Trustee 's claim number XXXX not for the claim of ECMC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation