ECMC Group, Inc. – CFPB Complaint 2019-01-16

Date Received: 2019-01-16

Product: Private student loan

Issue: Dealing with your lender or servicer

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: RE : PREDATORY LENDING COMPLAINT To Whom It May Concern : I am writing to file a complaint against ECMC because of their predatory lending practices. I mailed out two certified letters, the first letter was a debt validation letter via cert number : XXXX XXXX XXXX XXXX XXXX and the second letter titled Notice of Estoppel via cert number : XXXX XXXX XXXX XXXX XXXX. ( Please see attachments A & B ). I started my credit restoration with a Certified Credit Counselor in XX/XX/2018, come to find out that I have a total of 6 collection agencies trying to collect on the same school loan from XXXX XXXX. Out of ignorance, I was forced to make payments to one agency titled XXXX XXXX that collected from my weekly paycheck. This withdraw from my paycheck has caused me a real hardship, having no choice to make payments or I couldnt stay employed. I too mailed out a debt validation letter via mail cert : XXXX XXXX XXXX XXXX XXXX to XXXX XXXX and the second letter titled Notice of Estoppel via cert # XXXX XXXX XXXX XXXX XXXX ; they finally stopped collecting after my second letter of almost 5 months of paid payments collecting {$1100.00} ( See Attachment C and D ). I went through the proper channels by asking Human Resources to provide me the Order for payments. You will see that ECMC is mentioned within the order from XXXX XXXX, ( See Attachment E ). It clearly states that XXXX XXXX is the assistant company to collect on the debt for ECMC with a new loan number. ECMC created TWO loan numbers, trying to collect on two payments on ONE loan owed to XXXX XXXX. It was never announced to me that ECMC and XXXX XXXX are working as a brother company collecting on the same debt ; separately. XXXX XXXX is announced as a referred company assisting ECMC to collect debt. ECMC is now announcing the same attempt to collect payments dated XX/XX/XXXX from my paycheck ; without answering any of my questions or concerns from my letter ( s ) ( See Attachment F ). Since ECMC can not produce any information or material to validate that I rightfully owe them the debt, responding back with frivolous letters ( See Attachment G ). They are now maliciously going after my income yet AGAIN but this time under ECMC directly, not mentioning that their referred company XXXX XXXX collected any payments in the past 5 months. Lastly, I mailed copies of all my communication with the creditors ( ECMC and XXXX XXXX to all three credit bureaus.

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.

Company: ECMC Group, Inc.

State/Zip: CA 928XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3126187

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