Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Recoveries, Inc.
State: CA

Complaint narrative:
Attached you will find all documents to prove that this company not only lies and bullies us on the phone and failed to notify XXXX prior to garnishing his XXXX payments and their numbers do not match regarding the final amounts deducted by the US Department of Treasury regarding total income for XXXX. Final deductions given to XXXX from the Social Security Administrations XXXX which shows every dollar that have retained and submitted to the US Department of Treasury   on behalf of the US Department. As well as the interest collect does not match the interest from the Department of Treasury. I have not blacked out his social security number on the supporting documents as they are Tax Documents. Please print and black them out before processing or adding to file. Thank you! The student loan was discharged in Chapter XXXX ; XX/XX/XXXX due to being totally and permanently XXXX due to an XXXX XXXX XXXX and has been on XXXX   since XXXX. XXXX filed taxes in XXXX because of an inheritance which triggered this debt to be brought to the surface and they have been taking his XXXX via XXXX   after having the debt to have been discharged 11 years ago. XXXX has never received any written notification about this debt, nor had he been notified from the US Department of Treasury, US Department of Education, nor the Social Security Administration, in fact when I was assisting him in XXXX get his Medicare part B & D allocated, he had thought that the {$230.00} being held from his XXXX was allocated to Medicare and he was upset because everyone else only paid {$130.00} so I started looking into the situation and after calling the Department of Treasury, the Department of Education, and the Department of Social Security. All documents attached are my notes, letters from the Department of Education, which you need to pay special attention to, and my notes from phone call after phone call after phone call. Now I am turning all of this over to you as they are taking advantage our service men. He has received one notice from XXXX XXXX XXXX about the debt and all documentation is attached please review and contact me or XXXX XXXX XXXX, XXXX United States XXXX XXXX, XXXX XXXX, my name is XXXX XXXX XXXX and my information is printed below. I am assisting him in this matter because I am highly educated and they are taking advantage of him badly. I would like to point out also that the private note, attached, is 8 % max and they have been charging 16 %, but none of that matters because it was a private note that had been discharged since XXXX and they have been collecting without notice since XXXX. I would also like to point that none of the monies collected match. For example ; interest collected for the year from the US Department of Treasury does not match the amount collect from the US Department of Education. I have not attached the XXXX from the Social Security Administration but I can sent the XXXX for XXXX if you need it. National Recoveries Inc. have been attaching his XXXX since XXXX see attached letter. I have called everyone and the US DOE has me call National Recoveries Inc., and National Recoveries Inc. has me call XXXX XXXX which is a company for National Recoveries Inc. Two days ago I spoke with XXXX  who I thought was the US Department of Education because that is who I had been on hold for 1 hour 15 minutes, and she told me that I shouldn't have received the Letter from the US Department of Education   which states clearly that this loan had been discharged before, then placed me on hold for 10 minutes and she came back on the line being very rude and angry screaming that he owes the money and when I told here that he would like to place the garnishment on hold until we resolved this situation like the letter from the US DOE like it said he could and she said she would transfer me but instead she hung up on me. Finally I would like to point out that XXXX has received his first notice from the US Department of Treasury XX/XX/XXXX after they had been garnishing his XXXX since XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation