Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unisa, Inc
State: RI

Complaint narrative:
In XX/XX/XXXX I enrolled in a XXXX XXXX program with XXXX XXXX. The program was financed through an Income Share Agreement ( ISA ) with XXXX XXXX XXXX The ISA contract explicitly states that no payments are owed unless my annual earned income exceeds {$50000.00}, and that I have up to 60 deferred months before any payment obligation arises. On XX/XX/XXXX, XXXX launched a full scale invasion of XXXX. I was physically present in XXXX at that time and was forced to flee the country for my safety. I crossed into XXXX on approximately XX/XX/XXXX to XXXX, XXXX, documented by official passport border crossing stamps. I had limited and at times XXXX access to communications, internet, and stable housing while fleeing. I was a displaced war refugee. Due to these extraordinary circumstances entirely beyond my control, I was unable to continue the program. I never completed the program. I never graduated. Despite this, XXXX fraudulently marked my account status as " graduated. '' They used one single instance of me logging into their platform from a XXXX in XXXX, while I was a displaced refugee with no stable housing, as justification for this designation. One login from a war refugee trying to survive does not constitute program completion or continued enrollment. I have documentary email evidence from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, dated XX/XX/XXXX, showing that he deliberately inflated my ISA amount to {$17000.00} specifically so that {$10000.00} of my federal FAFSA funds could be extracted. This raises serious concerns about misuse of federal financial aid funds under Title IV regulations. In XXXX I received a payment demand and called the collection servicer. They told me to contact XXXX directly. I contacted XXXX XXXX at XXXX by phone. He acknowledged in a follow up email that I had not completed the program by offering me a place in a future cohort, stating it would be in my best interest to continue the class. You can not offer someone a place in a new cohort if they have already graduated. This email is direct documentary evidence that XXXXXXXX XXXX own XXXX knew I had not completed or graduated from the program, directly contradicting the graduated status they assigned to my account. I have XXXX income and have had XXXX income since leaving the program. Under the explicit terms of the ISA contract, XXXX income means XXXX payments owed and automatic deferment. I have never owed a single payment under this contract. Sending this account to collections is a direct violation of the ISA contract terms. I received a collection notice from UNISA dated XX/XX/XXXX. I did not receive this notice until XX/XX/XXXX as it was delivered to a family member 's address while I was residing outside the United States. On XX/XX/XXXX I sent a formal written debt validation request to XXXX Technologies at XXXX pursuant to my rights under the FDCPA 15 U.S.C. Section 1692g ( b ), demanding they cease all collection activity including credit bureau reporting until proper validation is provided. This collection account is fraudulent, is based on a false graduation status, involves potential federal financial aid fraud, and represents a debt that is not legally owed under the explicit terms of the contract. I am requesting immediate removal of this collection account from XXXX credit bureau reports and a full investigation into XXXX XXXX practices regarding XXXX manipulation and misuse of federal XXXX funds.

Company response to consumer: Closed with non-monetary relief