Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
On or around XX/XX/XXXX, ACT and I agreed to a 10 month rehabilitation repayment agreement where I was to pay {$5.00} a month beginning XX/XX/XXXX and due every month thereafter on or around the XXXX of each month. This repayment plan agreement was entered to help get my student loan debt out of default as my wages are currently being garnished. The agent I spoke with that set up the repayment plan explained that after 5 on time payments, my wage garnishment would be terminated. On page 4 of 6 of the agreement I agreed to and signed, bullet number seven, it states that " if you are currently subject to administrative wage garnishment, XXXX  or its authorized agent will suspend the garnishment after you have made five qualifying monthly payments under the agreement. '' All my payments to date have been made as instructed by the agreement and I have currently made 7 on time payments. The fifth payment was due in XX/XX/XXXX and my wage garnishment is still in place. It was never terminated as agreed per our agreement. ACT has currently illegally withdrawn 5 extra wage garnishments as my 5 month anniversary was XX/XX/XXXX. My fifth payment was made weeks before that fifth month anniversary. At the moment my fifth payment was received, ACT should have issued a termination of wage garnishment to my employer. That did not happen. Five extra garnishments were taken from my paycheck which I am demanding ACT issue me a refund of those 5 garnishments immediately. I have all my paycheck stubs and willing to provide the exact amounts, but I am positive ACT has the exact amount of all five of those illegal wage garnishments. I recently sent my XX/XX/XXXX payment along with a letter demanding ACT terminate my wage garnishment or I will hire an attorney to litigate this in court. I did not hear from ACT. I then called ACT on XXXX and left a message demanding ACT call me to discuss this breach of contract alleging ACT is in violation of UDAAP and FDCPA misrepresentation violations. A few hours later, I received an email from ACT informing me they have issued a termination of my wage garnishment to my employer and that they have confirmed my employer has received the termination letter. I appreciate the issuance of the termination letter to my employer, but I will not be satisfied until I receive the refund of 5 breach of contract wage garnishments. I expect this refund to be issued immediately. I am also asking for a reasonable amount of statutory damages for the UDAAP and FDCPA violations committed by ACT. I will seek legal representation if the amount of statutory damages is not a reasonable agreed amount. I have access to a team of FDCPA Attorneys and will not hesitate to escalate this dispute in court which would probably cost more than settling this dispute.

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 non-monetary relief