CFPB Complaint

ECMC Group, Inc. – CFPB Complaint 2018-12-11

Consumer Complaint Submission

Date Received: 2018-12-11

Product: Federal student loan servicing

Issue: Dealing with your lender or servicer

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I have been communicating with both my servicer and guarantor due to a fraudulent ” notice of default ” claim that was filed and paid. I am now inelgible for financial aid eventhough I never defaulted and had just come off a forbearance period when the claim was filed. Both companies continue the point the finger at the other. Today, I called and spoke to a representative named XXXX who refused to provide additional information. I asked her what dates are listed as my loans being delinquent on the claim XXXX filed. She only referred me back to them. She stated she is only in collections. I informed her I am versed in how collections work and that a company must substantiate any claims of delinquency by providing the dates an account was in default. She refused to tell me what information was on the claim filed by XXXX. I told her having that information would allow me to submit proof of my forbearance period to get my loans taken out of a ” default ” status. I have made payments to both XXXX and ECMC within the past 8 days. ECMC is refusing to accept my proof of non-default which is preventing me from receiving financial aid. ECMC is not willing to update my loan status even though they are aware my account never defaulted and that they paid on a false claim.

Company: ECMC Group, Inc.

State/Zip: GA 303XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3097473

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.

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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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