Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
XX/XX/year> XXXX 'S REPLY TO ECMC CRIMINAL THEFT OF OVER XXXX ; XXXX, REFUSAL TO VALIDATE AND CRIMINAL RESPONSE https : XXXX? usp=sharing OR https : XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU AND ECMC XXXX XXXX XXXX XXXX DATE : XX/XX/year> RE : CFPB CASE REOPENING REQUEST ( ORIGINAL CASE # XXXX ) COMPLAINT AGAINST : EDUCATIONAL CREDIT MANAGEMENT CORPORATION ( ECMC ) THEFT OF OVER {$35000.00} WITH NO VALIDATION Summary : I am formally requesting that my previous CFPB complaint against ECMC be reopened. Their below XX/XX/year> response was evasive and failed to address the serious legal violations raised. I am demanding the return of my money garnished under fraudulent and unlawful conditions, and I am prepared to escalate this matter until proper enforcement and restitution are secured. 

KEY VIOLATIONS : No Judgment, No Valid Debt Validation : ECMC has never provided a valid judgment, court order, or affidavit justifying the garnishment. Per the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( a ) : Requires debt collectors to provide validation of debt.

15 U.S.C. 1692e ( 2 ) : Prohibits false representation of the legal status of a debt.

15 U.S.C. 1692f ( 1 ) : Prohibits collection of any amount not authorized by law.

Theft Under Color of Law : ECMC used the court system, a judge, and XXXX to facilitate an illegal garnishment without proper due process or legal standingthis constitutes abuse of legal process and 18 U.S.C. 242 : Deprivation of rights under color of law. 

______________________________________________________________________________ Disability Discharge Violations 34 CFR 685.213 I had an active Total and Permanent Disability ( TPD ) determination from both my physician and the Social Security Administration ( SSA ), which disqualified me from further collection or garnishment. ECMCs continued collection activities violated : Americans with Disabilities Act ( ADA ) Denial of federally protected accommodations.

Rehabilitation Act 504 Discriminatory treatment in access to debt relief. 
______________________________________________________________________________ KEY LAWS AND REGULATORY PROVISIONS THAT EXPLICITLY SUPPORT MY ENTITLEMENT TO A REFUND UNDER THE PHYSICIANS AND XXXX TOTAL AND PERMANENT XXXX ( TPD ) DETERMINATION/ DISCHARGE, AND PROHIBIT CONTINUED COLLECTION OR GARNISHMENT DURING AND AFTER SUCH A DETERMINATION : XXXX. XXXX C.F.R. 682.402 ( c ) Discharge for Total and Permanent Disability ( FFEL Program ) If a borrower has been determined to be totally and permanently disabled and that determination is accepted by the Secretary ( or made by the SSA with appropriate documentation ), the loan is to be discharged, and collections must stop.

Refund clause : Any payments received on or after the date the borrower became totally and permanently XXXX must be returned to the borrower. 



2. 34 C.F.R. 685.213 ( b ) TPD Discharge under the William D. Ford Federal Direct Loan Program A borrower who receives a TPD discharge is not required to pay any more on the discharged loan. 
Collections must cease immediately upon approval, and refunds must be issued for any payments or garnishments made after the XXXX eligibility date. 
This applies whether the discharge is approved based on : a physicians certification, XXXX determination ( including XXXX XXXX for XXXX marked as MIE [ Medical Improvement Not Expected ] ) 3. 34 C.F.R. 674.61 ( b ) TPD Discharge under the Perkins Loan Program Any collections made after the established TPD effective date must be refunded.

4. Americans with Disabilities Act ( ADA ), 42 U.S.C. 12101 et seq. 
Since XXXX continued collection during a federally acknowledged TPD XXXX period, they violated the XXXX by engaging in discriminatory practices based on XXXX. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f It is illegal for a debt collector to : Use false, deceptive, or misleading representation about the character or legal status of a debt. 


Attempt to collect a debt not legally owed, such as XXXX that has been XXXX due to XXXX. 
XXXX. U.S. Department of Education XXXX XXXX DOE XXXX clarifies that : Borrowers approved for TPD discharge are entitled to a refund of any payments received on or after the date the borrower became eligible for discharge. 
( Source : https : //disabilitydischarge.com/ ) ___________________________________________________________ Administrative Overreach & Legal Perversion : XXXX refusal to provide a valid legal basis while deflecting responsibility to XXXX or the XXXX. of XXXX is a textbook case of administrative shell-gaming and deceptive business practices in violation of : XXXX U.S.C. XXXX Federal Trade Commission XXXX ( unfair and deceptive practices ) XXXX XXXX. XXXX Mail and wire fraud statutes, as XXXX used federal channels to execute this scheme. 
____________________________________________________________________________ My Demands : EQUAL PROTECTION OF THE LAW Immediate return of all funds illegally garnished. 

Full disclosure of the legal basis for garnishment, including certified judgment, affidavit, and the statutory authorization for seizing funds post-TPD. 

Investigation and enforcement action by CFPB. 

Referral to DOJ and FTC for potential prosecution of XXXX agents for fraud, abuse of process, and XXXX violations. 







Conclusion : I had an active TPD determination issued by both my physician and the XXXX. ECMCs continued garnishment and refusal to return funds already collected after that determination violates : XXXX C.F.R. XXXX ( c ), XXXX ( b ), and XXXX ( b ) ( mandatory refund provisions ) The XXXX ( XXXX XXXX. XXXX et seq. ) for disability-based discrimination The FDCPA ( 15 U.S.C. 1692e, 1692f ) for collecting a non-existent or ineligible debt ___________________________________________________________ Final Note : ECMCs claim that they have no further information is unacceptable. They criminally used the legal system to steal my money and must repay or justify it with legal evidence. Failure to do so confirms theft. I will continue filing until my rights and money are restored. Please see attached as exhibit XXXX, the XXXX fraudulent and criminal response to my over XXXX page XXXX XXXX XXXX complaint and book documenting their theft of over {$35000.00}, with no penalties, yet. Please see the attached exhibit XXXX, which is my XXXX XXXX XXXX, filed for prosecution and restitution. Thank you for your time. 


Sincerely, XXXX XXXX XXXX | ( XXXX ) XXXX Evangelist | Licensed Legal Educator | Minister | Author | Defender of Gods Promises and the Constitution |Human Rights Advocate | XXXX | ( XXXX ) XXXX | Fax : XXXX

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