Date Received: 2021-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FED LOAN SERVICING Balance {$6600.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$6500.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$7100.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3900.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$630.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$1300.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$5000.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3500.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$1200.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4400.00} Reported : XXXX XXXX, 2021
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This is a response to the Notice of Dispute dated XX/XX/XXXX of this year, which your organization failed to respond to. I'm writing on my own behalf, with no help from anyone or anything. Because all must have equal access to the law, the code and regulations referred to are open to the general public at large. Justice is not for sale, obstruction, or procrastination, according to the appropriate governing preambles, constitutions, and bills of rights. I am well aware that my consumer rights have been and continue to be violated. From the start of the supposed business agreement, purported to be a contract, FEDLOAN/PHEAA has engaged in fraudulent and abusive debt collection activities, infringing on my right to privacy and undermining my faith in the banking industry and economy as a whole, rights guaranteed to every consumer. Every credit sale after XX/XX/1977 is subject to consumers ' claims and defenses for unfair or deceptive acts or practices pursuant to 16 CFR 433.3. The credit sale I engaged in with FEDLOAN/PHEAA is no exception. Per the definitions in 16 CFR 433.1, FEDLOAN/PHEAA is subject to consumers ' claims and defenses by way of being a seller. I, the consumer, was never apprised of the creditor 's business arrangement with the seller at the consummation of the original credit sale. Meaningful disclosure of the determination of the finance charge was not provided pursuant to the form of disclosure enumerated in 15 U.S. Code 1632. Evidenced by the Master Promissory Note, my obligation was fulfilled upon signing/indorsing the instrument, the beneficial and security interest of which were not disclosed to me. As defined in 16 CFR 433.1 ( i ), the instrument I indorsed is the consumer credit contract when it was hypothecated and collateralized to fund the credit sale. Many instances of noncompliance occurred when it was subsequently sold and/or assigned to multiple transferees and/or assignees without mutual assent, consent, and notice to me as I have controlling security interest, constituting fraud in multiple ways : 1. Absence of consideration ( I received a " thought '' for my security- no benefit. All contracts must have consideration to be valid ). 2. Absence of disclosure of all facts regarding the use of a promissory note and my signature, violating the U.S. Code 's Truth in Lending Act ( TILA ) and Code of Federal Regulations ' Regulation Z. 3. Absence of disclosure of data-sharing provisions in violation of the Gramm-Leach-Bliley Act ( GLBA ), without the option to decline the sharing of data with furnishers, agencies, or servicers, along with reporting. 4. Monetization of promissory note disclosure was denied to me. I was not told about the process to monetize a security interest or the secured transactions which were to subsequently take place concerning my chattel paper. 5. Denial of disclosure of the banks relationship to the " trustee and beneficiary, '' amounting to concealment and voidance of the contract. The debenture trustee was concealed from me. 6. I have reason to believe and do so believe that there was forged alteration of the original instrument because it could not have been monetized without augmenting my blank endorsement, even via the use of a special endorsement. I am aware that I am entitled to a refund of alleged repayments and damages of at least twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being boldly, simply, and clearly disclosed to me. I was never given a rescission form at the closing of the contract. I have reason to believe and do so believe that FEDLOAN/PHEAA is a debt collector engaged in communication in violation of multiple cease and desist notices from me, and is in violation of 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ). As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' I have never given express consent to FEDLOAN/PHEAA to communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c at large.
Company Response:
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf.I have a loan with FEDLOAN. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Below is the account that is reporting on my Credit Report : FEDLOAN XXXX Balance {$0.00} Date opened XX/XX/ 2000 2000
Company Response:
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am submitting this complaint because XXXX has not corrected my inaccurate payment count for PSLF. I graduated from law school in XX/XX/XXXX and began public service employment in XX/XX/XXXX. My 2 Direct Loans that were consolidated on XX/XX/XXXX, with income-based payments beginning in XX/XX/XXXX. All of my employment since XX/XX/XXXX has been PSLF qualifying employment, and I remain in public service. These are the three outstanding issues with my PSLF payment count : First, under ineligible payments, it still shows that 6 of my payments for the subsidized loan - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - and 4 payments for the unsubsidized loan - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - because they were allegedly received " outside the payment window, '' but that does not make sense because my payments have been on auto pay and have always been due the XXXX, which is the date they were paid. Second, for both loans, it says " you did not have a bill due for this payment period '' for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I have one consolidated payment for both loans and I made a payment on XX/XX/XXXX and XX/XX/XXXX, which should both count for the XX/XX/XXXX and XX/XX/XXXX payments since they are within 15 days of the payment due date. I am reattaching my student loan history, please see pages 5-6 and page 10. Third, I was on income-based zero payments from XXXX as a result of my XXXX service. During those years, my loans were with XXXX XXXX XXXX. None of these payments are accounted for or showing up in my history in any way. I am supposed to receive credit for nearly 2 years of these XXXX payments - I intentionally signed up for income-based payments during these years for PSLF purposes- but they are not being added to my count. I have been in public service for over 11 years and have been making following the income-based repayment requirements throughout that time- please help me get the payments credited. Thank you for your assistance.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX I wrote Fedloan because I had received an inaccurate PSLF tracking statement. I found multiple instances of basic arithmetic errors. After corresponding with Fedloan a few times, on XX/XX/XXXX, they agreed that an error had been made and that my PSLF tracking needed to be reviewed. In XX/XX/XXXX, I submitted my annual employment certification, but since the review had not been completed, I received another erroneous PSLF tracking statement. I continued to patiently wait for the review to be completed. I emailed Fedloan in XX/XX/XXXX and was told they still did not know when it would be done. I checked in with them again at the beginning of XX/XX/XXXX, they still have no idea when it will be completed. I do not think it is unreasonable to expect that blatant and extremely consequential errors in my account should be corrected in the span of a year. In the meantime, the Dept of Ed is updating how PSLF payments are counted and Fedloan will soon stop servicing student loans entirely. I am very concerned that when my loans are transferred to a new servicer my records should be up to date and accurate. I need my PSLF tracking to be reviewed and accurately updated as soon as possible.
Company Response:
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AES/ XXXX bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a FEDLOAN Servicing customer applying for my student loans to be forgiven under the Public Service Loan Forgiveness program. I have been advised conflicting information by several representatives during the course of me submitting my application. Most recently, I recently correspondence on XX/XX/2021 from FEDLOAN after a representative from FEDLOAN explicitly advise me to submit another application for forgiveness on XX/XX/2021, stating that " NOT ELIGIBLE : You or your employer signed the PSLF Form before you made your 120th qualifying payment. You must make your 120th qualifying payment before you submit your form. Since it looks like you have since made your 120th qualifying payment, you can now apply for forgiveness. Complete and return an updated PSLF Form. Make sure you and your employer sign and date the form in Sections 2 and 4 with the current date. On this same date I received correspondence stating " You're eligible for forgiveness Congratulations, you made 120 qualifying payments on 2 of your 2 loans. Unless you have requested a forbearance, you should continue to make payments until you receive confirmation of forgiveness '' I resubmitted my application as advised using the current date, which was XX/XX/2021 only to be advised by another FEDLOAN customer service representative that I would need to submit another application dated on or after my billing due date, which is XX/XX/2021.I have submitted that information again today. However, after fighting with FEDLOAN for years to have many of my qualifying payments acknowledged I do not feel confident that my application will be processed.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am requesting action to correct a mistake made on the part of FedLoan Servicing regarding my student loans. It is delaying my qualification for loan forgiveness and thus costing me 5 months of extra payments that I should not be responsible for. As you may know, the PSLF ( Public Service Loan Forgiveness ) program provides a path to forgiveness of remaining loan balance after 120 payments made while working full time in nonprofit, government or military. Between XX/XX/XXXX and XX/XX/XXXX, while working full time in nonprofit, I made full monthly payments towards my Federal Direct Loans. These 5 payments were made while my loans were serviced by a different servicer, XXXX XXXX. The loan was transferred to FedLoan Servicing in XXXX. XXXX XXXX no longer keeps records after this transfer. According to FedLoan, these payments do not counted towards the total 120 payments simply because it occurred prior to the transfer and they have yet to verify. I disagree as these payments were made with all stipulations of the program satisfied. They should be counted towards my total of 120. Over one year ago, I called to request a manual recount. The recount has not been completed. I called FedLoan Ombudsman today ( XX/XX/XXXX ) to get an update and was told there is no estimate time as to when this can be completed. The agent, XXXX XXXX did not provide any assurance that it would be done in a timely manner, or that it would be done at all. She did not offer to transfer me to someone who might be able to help. I am down to my last few payments of the 120 total, I do not have much time left to get this done and thus I am requesting your help. In the attachment, the circled payments are those pending review.
Company Response:
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dear Sir or Madam, 1. FEDLOAN Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with FEDLOAN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have loans through XXXX & XXXX XXXX ( not huge loans ), that I took out to get a 2-year degree. They constantly call and harass me. They constantly call and harass my grandfather, who was the cosigner but he went into bankruptcy years ago, and is over XXXX years old. Despite me reaching out to them to try to arrange even the lowest of payments a month ( via email ), they refuse to accept the arrangement. It's being handled through AES and they are HORRIBLE to work with. They refuse to make any sort deferment longer than one month, despite the pandemic, and won't even accept a lower monthly payment amount of something like, {$25.00} a month for each loan, until I can pay more. Because I simply can not pay more at this time, but they are notoriously difficult and I imagine that this has to go against some form of business practice, since they have threatened to garnish my wages, despite me offering a lower monthly payment than what they wanted.
Company Response:
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A