CFPB Complaint

Reliant Capital Solutions, LLC – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-10-15T00:00:00

Product: Federal student loan servicing

Issue: Dealing with your lender or servicer

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: The following collection agencies keep repeating the same amounts in collection claims which are not valid ; thus, I am disputing all claims filed by these agencies as they have violated FCDPA Provisions which guide them on collections, statute of limitations ( Texas ), attempted to overrule Bankruptcy Court Litigation ( XX/XX/XXXX ) which resulted in liquidation of assets of which, proceeds were received by US Department of Education and violated the rights under 31 USC 3711 which is a requirement of 31 USC 3716 : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX *XXXX XXXX ( for XXXX XXXX ) XXXX U.S. Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX, GA XXXX General Correspondence : XXXX U.S. Department of Education Loan Servicing XXXX XXXX XXXXXXXX XXXX, PA XXXX *U.S. Department of Education XXXX XXXX XXXX XXXX XXXX Washington , D.C. XXXX ____________________________________ The collection agencies ruined my credit, employment and caused unnecessary duplication in efforts of resolve issued by the student ( complainant ).

___________________________________ On XX/XX/XXXX, I filed a complaint with United States Court of Federal Claims which went to Appeal in the Court of Appeals for the Federal Circuit, regarding tax refunds being offset as student loan debt. These types of notices had been occurring for 17 years i.e., I have not received a tax refund of which I was entitled to claim in now 18 years.

The United States Department of Justice produced collection documentation showing that US Department of Education had collected United Student Aid Loan Amounts on XX/XX/XXXX ; yet, collections agencies continued to bill using damaged promissory and issued unlawful collections using these damaged promissory notes without my knowledge in XX/XX/XXXX.

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The records indicated the only verified amounts owed – issued by the United States Bankruptcy Court ( Trustee : XXXX XXXX XXXX ) and Attorney Representation – was {$15.00}, 811.00 in relation to US Department of Education claims in XX/XX/XXXX.

Additionally, United States Department of Justice produced records showing that I was being charged 5 % interest on a Federal Perkins Loan since XX/XX/XXXX – which was the year the Federal Perkins Loan was fully paid off.

During the Bankruptcy filing of XX/XX/XXXX, the Trustee ( XXXX XXXX XXXX ) withdrew a large number of collections claims which were not valid due to lack of paperwork ; this also included the duplicated claim amounts issued by the XXXX XXXX XXXX

Additional records show that XXXX University and US Department of Education attempted to default me while I was attending school during years XX/XX/XXXX-XX/XX/XXXX, and tried to charge me for XXXX college education which I carried and paid for out-of-pocket prior to my entry in to XXXX University. Indicating intentional mismanagement of my college records and causing continued interruption to my furthering educational studies beyond XXXX Level. XXXX University also withheld transcripts from potential employers in the past years even though I went personally to their administrative offices and paid for the transcripts.

XXXX University and US Department of Education attempted to charge me under XX/XX/XXXX or later full tuition rates which is not applicable. XXXX University ( Texas ) did not have on-site / offsite housing or full service cafeteria in years XX/XX/XXXX-XX/XX/XXXX and could have never issued anything other than tuition only costs to students attending in those years.

Many of the collections agencies involved in the fraudulent collection practices never reported the amounts they collected in the last 18 years based on TOP reports issued by US DOJ. Additionally, much of Bureau of Fiscal Services correspondence also shows that fraudulent behavior, i.e., the representatives show to be collecting for child support services or some other state debt in the same tax year as collection for student loan debt per offset letters issued by US Department of Treasury.

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When I file as complaint regarding this situation with US Department of Education they commonly take more than 6 months to produce the information related to my education. I was employed and attended college ; thus, as a full-time student did not deserve to have my employment rights, educational rights, and financial rights degraded in last 18 years or in my senior years of my career.

Again, I dispute all claims made by the above listed collection agencies for additional monies owed to US Department of Education as they are invalid and unreliable in paperwork.

Company: Reliant Capital Solutions, LLC

State/Zip: TX 75047

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3046069

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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