Sentry Credit, Inc. – CFPB Complaint 2018-09-04

Date Received: 2018-09-04

Product: Private student loan debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received a major amounts of call and it would be a voice system and I would leave messages and never get a call back. The first time I received a collection notice was on XX/XX/XXXX for collection on an account that was discharged in my bankruptcy on XX/XX/XXXX. The debt was held by XXXX/ XXXX XXXX XXXX . taken out on XX/XX/XXXX in amount of {$5200.00}.
However this debt was included in my bankruptcy that has already been discharged as stated above.

After I received the collection I called and spoke to a man named XXXX at ext. XXXX at XXXX XXXX. XXXX advised me that he was collecting on above account that was not paid. But he couldnt tell me the date the loan was taken for or the company who serviced loan, so he would forward info to my house. He proceeded to get nasty after I advised him that this debt was included in my bankruptcy and was discharged. I told mark per my lawyer XXXX XXXX at XXXX that any collection attempts should be forwarded to him. XXXX proceeded to tell me that once the bankruptcy was discharged they had a right to collect on debt.

I then proceeded to call both XXXX/XXXX XXXX XXXX and was told that they didnt have any information on me in system. I was forwarded just Incase by XXXX id # XXXX from XXXX XXXX to their own collections department. Where I spoke to XXXX and she advised me that they didnt have such debt in their system either.

So on XXXX at XXXX XXXX I put in a claim against Sentry Credit , Inc. to the XXXX XXXX XXXX claim # XXXX. I recently received a response on XX/XX/XXXX from Sentry Credit inc. Stating that our client received an OCC complaint from the consumer and we are waiting for them to respond before we respond to her rejection. May please get an extension on the due date of our response?

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I called OCC on XX/XX/XXXX at XXXX XXXX and spoke to XXXX id # XXXX said that I nor anyone on my behalf filled a complaint with the OCC. She checked under my maiden, married name and zip code for last 5 places I lived. XXXX was the one to advices me to file a complaint with your bureau because you cover all collection agencies. So I called your agency and spoke to XXXX id # XXXX who advised me after hearing my story to file a complaint online so I can include supporting documents.

Attached you will find the documents that provide proof that XXXX/XXXX XXXX XXXX. was included in my bankruptcy and was discharged with bankruptcy. I also attached a copy of my credit report showing that the status of the above debt was discharged and has a XXXX balance.

Company: Sentry Credit, Inc.

State/Zip: FL 335XX

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Company Response to Complaint: Closed with explanation

Was Company Response Timely: No

Did Consumer Dispute Company Response: N/A

Complaint ID: 3009344

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