Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX REFUND, PROCEDURAL INCOME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Renewed Demand for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Refund from ECMC 's Unlawful Appropriation of Funds Under the Pretense of Student Loan Obligations, Absent Judicial Decree, Affidavit, Validation, or Proof of Claim AFFIDAVIT I, XXXX XXXX, in accordance with the laws of the United States, do herewith solemnly affirm the veracity of the ensuing declaration which is accurate and truthful and attest to the below : XXXX. As the Affiant in the TPD refund proceeding, I am seeking redress and the restitution of funds rightfully owed to me, funds which have been illicitly obtained by ECMC agents over a period of 12 years, thereby impeding the TPD refund process in contravention of the mandates set forth in the Human Trafficking Victims Protection Act, 22 U.S.C. 7102, specifically referencing Sections 1, 3, and 8, with a pointed emphasis on the provision pertaining to ABUSE OR THREATENED ABUSE OF LAW OR LEGAL PROCESS, which is defined as the XXXX of a legal statute or procedural mechanism, whether in an administrative, civil, or criminal context, for any end or purpose that is antithetical to the original intent of said statute or mechanism. 

XXXX. I am submitting this affidavit to bolster the implementation of the TPD refund policy and to advocate for the return of monies illicitly extracted from me by ECMC for a duration exceeding XXXX  years, as evidenced by the appended Exhibits XXXX and XXXX, along with the hyperlinked documentation indicating the legal advertisement for the TPD REFUND PROCESS. Additionally, in XX/XX/XXXX I wrote the below linked affidavit to XXXX by error, it belongs with the ECMC lawyers. Please read it carefully at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. This communication represents my fourth endeavor to reclaim my rightful, as advertised, TPD refund. 

XXXX. The intent of this affidavit is to facilitate the recovery of the aforementioned ECMC refund and to delineate the reasons behind ECMC legal counsel 's tacit complicity, through non-action, in perpetuating ECMC 's misuse of legal processes, as defined under 18 U.S.C. 4 Misprision of Felony.

5. ECMC has willfully engaged in the manipulation of the legal system to fabricate an illusion of lawful authority, a spurious judgment not grounded in judicial sanction, but rather a mere representation thereof, and lawlessly used such to seize money not owed. ECMC intentionally used the legal system to attain a delusion of law, a counterfeit, a treasonous statement of a judgment, not a judgment, but a statement of a judgment fraud. They lawlessly used such to seize over {$300.00} a month from my Social Security account, despite having medical documentation from a licensed doctor, of an induced TPD XXXX, which qualified Affiant for student loan discharge. Affiant was maliciously rebuffed.

6. Affiant, XXXX XXXX, was denied equal protection of the law. ECMC proceeded to garnish over {$300.00} a month from Affiants Social Security account with no affidavit and no validation. This lawless garnishment persisted from XXXX to XXXX. This caused and effectuated the financial strain of an over the decade inability to pay for needed health coverage, due to ECMCs lawless money seizures, in the midst of the Covid pandemic.

7. It is imperative that I am shielded from further exploitation through this ongoing fiscal predation. I implore that the XXXX funds nefariously siphoned from my acquired Social Security reserves be returned forthwith. It is pertinent to note that I have been further victimized by the criminal inability to access XXXX as a result of ECMC 's unlawful misappropriation of my Social Security finances, absent any affidavit, judicial decree, validation, or proof of claim, a practice that has persisted since XXXX. 

XXXX. I direct your attention to page XXXX of the linked affidavit below, which contains the TPD medical documentation, submitted in XXXX, evidencing medical qualification for TPD discharge, documentation that was flagrantly ignored. The pertinent page can be accessed via the following hyperlinks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I invite review of the many legal disputes, demands for validation, and the lawsuit initiated against ECMC to halt the abuse of process, financial exploitation and wrongful deprivation of funds from my Social Security account. Despite the presentation of facts and evidence, my finances have been misappropriated for over 12 years. Please refer to the following documentation : XXXX ECMC LAWSUIT XXXX XXXX XXXX XXXX FEDERAL ALLEGED JUDGE XXXX CRIMINAL USE OF THE FEDERAL BENCH FOR ECMC CASE SABOTAGE, CORRUPTION AND MALFEASANCE, SHE ORDERED MY SINGLE SIDED COMPLAINT, TO BE COPIED DOUBLE SIDED, TO CREATE A DEFECTIVE COMPLAINT, WHILE PLAINTIFF HAD NOTHING TO DO WITH THE DEFECT. THE CORRUPTION WAS NEVER ENDING, BUT XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ECMC agents have deliberately manipulated the legal framework to craft a deceptive semblance of a legal judgment, absent an authenticated judicial seal, constituting a fraudulent abuse of process that has resulted in undue harm to XXXX XXXX XXXX. 

XXXX. Through its actions, ECMC agents have egregiously perverted our legal system for over a decade to unlawfully divest Affiant of her finances, causing harm, injury, and distress. They have criminally employed the legal system for purposes never envisioned by the law. Affiant seeks an end to these obstructions of law and repeated use of laws for what they are not intended 12. The actions of ECMC agents in illicitly and inappropriately manipulating the legal system against the Affiant via the contrived illusion of a legal judgment, utilizing this fallacy, devoid of affidavit, notice, service, and with a falsified promissory note, to expropriate my finances for over a decade, demonstrate a pattern of conduct that now seeks to criminally distort the TPD refund process. This is another ECMC agent engaged in financial predation through the obstruction of the U.S. Department of Education 's outlined collection, TPD discharge and refund procedure. 

XXXX. The unauthorized and non-consensual payments procured by ECMC agents are obligated to be reimbursed in accordance with the stipulations of the TPD refund advertisement, which declares that refunds are warranted subsequent to the receipt of XXXX XXXX documentation. The evidence unequivocally illustrates that such SSA TPD documentation has been on record since XXXX. 

XXXX. The TPD refund is due because ECMC payments were lawlessly syphoned with no consent or authority after the XXXX date the physician certified Affiants discharge application 15. The persistent obstruction of the TPD refund process by ECMC agents is indicative of ulterior motives, employing a corrupted use of the legal system. XXXX, XXXX XXXX, has incurred over XXXX years of damages directly attributable to the ECMC agents ' malfeasance in the legal process, perpetrated in a multifaceted and criminal manner. I seek the cessation of these legal obstructions and the repeated misuse of laws for unintended purposes.

16. These ECMC agents criminal abuse of process acts, enforce income lynching and financial servitude, making human trafficking easy. Above all, the ECMCs agents ' repeated TPD refund denials exemplify abuse of process, conspiracy against rights, and use of laws and legal processes, in a manner in which the laws were not created. The ECMC agents are criminally using their ECMC education system to obstruct the XXXX XXXX Victims Protection Act, 22 U.S.C. 7102, Sections 1,3 and 8. This has to be stopped. 

In conclusion, I respectfully demand the restitution of the TPD refund monies illicitly divested from me. Kindly advise if further details are requisite. I attest that the information provided herein is accurate, correct, and rooted in personal experiences of ECM criminal abuse of process, which serve no legitimate societal function but rather facilitate the advancement of human trafficking as documented in the above-referenced and linked affidavits. I implore that the actions of ECMC agents be guided accordingly and that my finances be restored without delay. Your prompt attention to this matter is greatly appreciated. I have attached XXXX exhibits and several references in support of the TPD refund entitlement. Please refund the money due me immediately. Thank you. 


Sincerely,

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