Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ascendium Education Group
State: GA

Complaint narrative:
This letter serves as a formal notice of dispute and deficiency pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. After reviewing your response to my debt validation request, I find your submission incomplete, insufficient, and non-compliant with federal law. The documents you provided fail to establish a legally enforceable obligation or your authority to collect. FDCPA Violations and Deficiencies You have failed to provide proper validation of the alleged debt as required under 1692g ( b ). Specifically : - You provided only a summary, transaction report, and an alleged promissory note, none of which constitute competent evidence of a valid debt - You failed to provide any agreement between myself and XXXX XXXX XXXX. - You failed to provide proof of assignment or authority granting XXXX XXXX XXXX the right to collect XXXX XXXX XXXX was not a party nor a witness to any alleged transaction between myself and the Federal Family Education Loan Program ( FFELP ) and therefore lacks firsthand knowledge. Fraudulent / Unverified Promissory Note The alleged Master Promissory Note is disputed in its entirety. It contains only a typed or electronic signature, not a verified wet signature. You have failed to prove that I physically signed this document or provide valid identification of me as of XX/XX/year>. The signature is disputed as unauthenticated and potentially fraudulent. Failure to Prove Creditor Involvement You have not provided evidence that Ascendium Education Solutions Inc. was a party to the original transaction or has a valid legal claim. Contract Law Deficiencies No Mutual Execution The alleged promissory note was never countersigned or executed by the alleged creditor and lacks evidence of acceptance, funding, or completion as a binding contract. Without execution by all parties, this does not constitute an enforceable agreement. Failure to Provide Authorized Creditor Signature You failed to provide an Authorized Signature of the Creditor or any executed certification verifying the debt. These documents are unauthenticated and lack evidentiary value. Failure to Respond to Original Validation Requests You did not provide the following : 1. Signed agreement with XXXX XXXX XXXX. 2. Agreement granting collection authority 3. Agreement bearing my signature 4. Complete account statements 5. Insurance claims ( YES or NO ) 6. Judgments obtained ( YES or NO ) 7. Registered agent information Emotional Distress and Harm Your continued attempts to collect this unverified debt have caused significant emotional distress, XXXX, and mental anguish. I am documenting all communications for potential legal action involving emotional distress damages. Formal Demands You are required to provide : - Proof I physically signed the agreement - A fully executed contract with creditor countersignature - Chain of title documentation - Proof Ascendium was party to the transaction - Identification tying me to the alleged account as of XX/XX/year> - Proof of your authority to collect Cease and Desist You must cease all collection activity until proper validation is provided pursuant to 15 U.S.C. 1692g ( b ). Notice of Intent Failure to comply may result in complaints to the CFPB, FTC, state regulators, and civil litigation including claims for emotional distress. Final Notice If you can not provide the requested documentation, you must cease collection and remove this account from all credit reporting agencies.

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