Complaint Review: California Student Aid

In 2004 University of Phoenix (UoP) cold called me and tried to get me to take a bunch of classes I didn't want to take.  I told them I didn't know if I could manage adding class work to my already busy life.

I agreed to take a single Intro Class to experiment if I could manage it. I had to withdraw 3 weeks later as my son became ill.  I was told I didn't have to pay for that class as I withdrew in less than 30 days.

4 years later I find that UoP took out loan money, signed me up for a 12 credit class that I NEVER agreed to. They received money from a placed called ACS/Bank of NY a few months later in 2004.  ACS/Bank of NY took out money with California Student Aid/EdFund in 2009.  I was never once notified that there was a debt. My phone number was never changed so they can't claim that they could not reach me.

As a result, UoP has a negative collection with $XXX amount of dollars and XXX opening date.  ACS/Bank of NY had another negative collection with $YYY amount of dollars and YYY opening date AND California Student Aid/EdFund also placed a negative collection with $ZZZ amount of dollars and ZZZ opening date. All show as if they are all different bad debts when I don't have a debt to begin with. 

When I asked for any documentation to prove this, they had 1 document with my signature of me agreeing to take that 1 class.  The 12 credit class part only has my name typed in the signature line.  I NEVER agreed to take this class, they took out money for it and ruined my credit.

So I call California Student Aid/EdFund, try to get this resolved. The woman was terrible. Not listening to a word I am trying to say, cutting me off to tell me that it takes 90 days to process the dispute, saying"uh-huh" and "yeah" very sarcastically and when I asked to speak to a manager, she sent me to a voice mail.  Weeks have gone by with me leaving message after message and nobody will return my calls.

So if they can make up some forms, type a persons name on the signature line, they can get a loan in that person's name, place bad collections on their credit file without letting them know, I suppose ANYBODY can do the same to any consumer. 

With all the complaints and class actions goign on, where's the protection of being a USA citizen here? I have a SS# and therefore anybody can just do whatever they feel with my credit and hold it hostage by making up some phoney thing?

As a result, I am about to lose a lot of money because I was financing a house and placed money down on it and a month later, California Student Aid/EdFund (without contacting me or notifying me of any debts owed) just placed a random bad debt in my name?