- Report: #513279
Complaint Review: California Student Aid - RANCHO CORDOVA California
Reported By:
Georgia -
Raleigh, North Carolina, U.S.A.
Submitted:
Updated:
-
Author Confirmed
Why?
California Student Aid
PO BOX 419032 RANCHO CORDOVA, 95741 California, United States of America
Phone:
8003671589
Web:
Categories:
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California Student Aid Ed Fund (What is there to protect honest people?) RANCHO CORDOVA, California
Report Attachments
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?
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?
1 Updates & Rebuttals
Georgia
Raleigh,North Carolina,
U.S.A.
More information
#2Author of original report
Thu, December 10, 2009
Turns out UoP signed me up for a class I did not know about in order to get Federal money at the same time they were biulling me for the whole amount (double dipping). But for 8 months I have fought with California Student Aid/EdFund:
California Student Aid/EdFund obtained the
account in February 14, 2009, did not take reasonable action to locate me about which the information will be reported for whom the agency
does not have a current address. See FTC Fair Collection Act 31 U.S.C. 3711(e)(3).
California Student Aid did not send a notice to me about which the information will be reported at least 60 days prior to reporting a debt to a credit reporting agency (see 60-day Notice of Intent to Report to Credit Bureau, below) and notify the person that he or she is entitled to a complete explanation of the debt, to dispute information in the records about the debt, and to an administrative repeal or review of the debt. See FTC Fair Collection Act 31 U.S.C. 3711(e)(1)(C). Pursuant to 31 U.S.C. 3711(e), when reporting information on delinquent consumer accounts, the debtor must be notified 60 days in advance of such reporting to the credit reporting agency. Agencies should provide this notice in the initial billing notice or demand letter, but no later than the second demand letter sent by the agency.
They have yet to properly address any of these issues.
