Action Financial Services, LLC Complaint: False statements or representation

#1647042 9 Nov 2015

Debt collection Non-federal student loan

Complaint #1647042 submitted on 11/09/2015 relating to Action Financial Services, LLC. Complaint relates to Debt collection Non-federal student loan - False statements or representation Impersonated an attorney or official.

Complaint was submitted via Web and sent to the company on Monday 9th November 2015.

Narrative (may be redacted).

Over the last 18 years I have been receiving letters regarding the payment of this debt. I was born XX/XX/XXXX the documents to this were signed 2 months after my XXXX birthday. The staff at the school told me I had to sign them because my parents were at work. I paid monthly even though I could not attend class as there was no one to teach the class I was the only student. Then the school closed, so I did not get to attend but for 1 week. I have been receiving letters with " Department of education '' listed as the sender since I was about XXXX ( 10 years after the document was signed ) after providing verification that I was under XXXX at the time, proof that the document signed was a XXXX XXXX loan ( not through the Department of Education ) and proof from the Department of education that they know nothing of this debt. Once received the company who owed the debt would close my case with them, then the debt gets sold and I have to go through this all over again. I am now being harassed by Action Financial Services, they continue to call my cell phone and even contacted me here at the Law Firm I managed ( XXXX XXXX is the Collector for XXXX XXXX I have asked them not to call my phone or work and explained again that I did not get to attend the school, it is not through Dept. of Ed. and I was only XXXX at the time. Then the letters started being mailed to my home, I received 10 in a 2 week period. The last one being a Department of Education letter stating " Notice of Proposed Wage Garnishment ''. I have called the Department of Education and spoke to XXXX who gave me the Case # XXXX she stated my student loans with them are current and all payments are received. She stated this company does not have anything to do with the Dept. of Ed and if I owed Student loans through them I would not have been approved for Grants/Loans that I currently have. She reviewed the documents from AFS that say " XXXX '' and stated these should not have been sent as Dept of Ed has nothing to do with XXXX Loans. She then referred me to Ombudsman through the Dept. of Ed. I contacted them Case # XXXX Spoke to XXXX who suggested that I do not give any information directly to this company as the " Proposed Garnishment '' document lists an address in XXXX GA which she states that phone number and Address has nothing to do with the Dept. of Education and due to the fact that my Student loans with them are Currently being paid it would be illegal for them to Garnish my wages for Student Loans. She then referred me to Consumer finance. I have provided all the information I can to these companies and they have continued to sell this debt regardless of it being from XX/XX/XXXX ( per their records sent to me ) when I was XXXX years ol.

Servicemember

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