|
10582098
|
2024-10-25
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2024-10-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10819816
|
2024-11-16
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2024-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2599278
|
2017-08-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Private student loan debt
|
| Date Received |
2017-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-09
|
| Complaint What Happened |
I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX. XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2627154
|
2017-08-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Private student loan debt
|
| Date Received |
2017-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-16
|
| Complaint What Happened |
I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10767418
|
2024-11-13
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3644935
|
2020-05-10
|
Dealing with your lender or servicer
|
Student loan
|
|
| Tags |
Servicemember
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2020-05-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-10
|
| Complaint What Happened |
They are supposed to stop payments during this time until XXXX due to the Coronavirus and I call and no one is there. I work for XXXX and the comptrollers can not stop the garnishment until They hear from them. The dept of education says its supposed to be stopped. What do I do?
|
| Consumer Consent Provided |
Consent provided
|
|
|
692071
|
2014-01-30
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-01-29
|
| Consumer Consent Provided |
N/A
|
|
|
3460970
|
2019-12-06
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-10
|
| Complaint What Happened |
I purchased a cosmetic bag and 2 body products at XXXX XXXX ( XXXX ), on XX/XX/XXXX, and charged the items to my XXXX store credit card. Purchase total, {$18.00}. On XX/XX/XXXX, I received a collection notice from F.H. Cann & Associates , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA, XXXX indicating my account is overdue. Current balance now {$250.00}. ( copy of letter enclosed ).
Upon calling the customer service line at XXXX, I was directed to XXXX XXXX ( corporate headquarters XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ) as they hold XXXX credit card accounts. After spending 3 days on the phone speaking to a number of customer service and recovery center representatives I was told that my account had been sold to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX ) and got nothing but a lot of run around and a lot of brush off. ( Please note I received no other contact from XXXX XXXX either through phone or e-mail address. Though I believe an old phone number was listed, again, due to system error/failure per next paragraph ) After another call to XXXX XXXX, on XX/XX/XXXX, a customer service representative, XXXX, did indicate my address had been changed as of XX/XX/XXXX, to an address of XXXX XXXX XXXX, XXXX NY. This is my previous ( last ) address. My current address, where I have resided for 10+ years, is XXXX XXXX XXXX, XXXX NY . In fact I received my last XXXX statement in XX/XX/XXXX at this current address. Therefore, all XXXX statements from XX/XX/XXXX to XX/XX/XXXX were mailed to my previous address. When I asked how the address got changed, no one could answer my question directly, other than the system had changed it. ( Please note at no time this year ( XXXX ) did I call XXXX XXXX to change my address back to a previous address of XXXX XXXX XXXX, XXXX NY ) I requested to have the XX/XX/XXXX to XX/XX/XXXX statements mailed to me. I received such said statements on XX/XX/XXXX, from XXXX XXXX. Confirmed, the statements were addressed to my previous address, XXXX XXXX XXXX, XXXX NY XXXX ( Copies enclosed ).
I mailed the copies of the billing statements to F.H.Cann & Associates , Inc. addressed to XXXX XXXX, XXXX Supervisor again indicating the statements were mailed to my old address. I have also enclosed the statement from XXXX of XXXX with my current address. After discussing situation with XXXX XXXX, he asked what I would be willing to pay and that he would go back to XXXX XXXX to negotiate. I said I would be willing to pay the {$18.00} for the items I purchased and in good faith, I am also willing to pay one late fee charge of {$37.00}. Total of {$55.00}.
In the meantime, I also wrote a letter ( and sent copies of the billing statements ) to the President of XXXX XXXX, XXXX XXXX XXXX, asking assistance with regards to the situation. ( copy of letter enclosed ).
On XX/XX/XXXX I called XXXX XXXX at F.H.Cann & Associates to follow up on the situation. He told me he had been trying to call me. ( Note, I received one call from F.H. Cann & Associates phone number ( XXXX ) XXXX and no message was left. ) He told me that XXXX XXXX did not agree to the {$55.00}, but agreed to a settlement of {$110.00}. My understanding that if I agree to the settlement ( and not pay the full amount of {$250.00} ) it will negatively impact my credit report for 7 years.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7282517
|
2023-07-20
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3528859
|
2020-02-12
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Don't agree with the fees charged
|
| Sub Product |
Private student loan
|
| Date Received |
2020-02-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-12
|
| Complaint What Happened |
XXXX-> XXXX-> XXXX XXXX XXXX-> XXXX XXXX-> F.H. CANN & Associates Inc.
I paid nearly 9 years of my student loans without Interruption. I then lost my job. Up until that point I had paid $ 20,000+ of my {$16000.00} loan. So I had paid {$4000.00} in interest at that point.
After a certain amount of time not being able to perform on my loan, it went into collections. Though XXXX never mailed me the bills, or informed me they were sending the debt to a collection agency. They claim they sent me e-mails, though they did not. They never sent snail mail either.
Now the collections agency, FH CANN is attempting to charge 24.34 % for collection costs.
Luckily I only owe > {$2000.00}. What if I owed {$100000.00}?! Thats a {$24000.00} Collection fee!
It equates to 4 years worth of interest in one charge. All because I couldnt perform on the loan. This is way too much money for a collection fee. To make matters worse, they then send the agreement that says, they will only charge 16 % collection fee if I sign and perform on the collection agreements, otherwise its 18 %. The kicker is, they then choose who they want to sell the note too, and then the new company reserves the right to charge a collection cost on top of it!
This has to be illegal!
If you, as a an owner of a bank, are offering student loans, you are investing in a generation of people and a job market. The risk of the investment is lack of job opportunity, yielding limited repayment. Either way, as a world leader, the fringe benefit of your infrastructural investment is the educating of your population.
The first chance you get, you dont sell the paper to a shell company, then charge outrageous fees once that person or people fall on hard times?!?! This is not how this business plan was originally built. It needs reform!
What is the cap on collection costs?
What are the rules for selling the debt?
What does transparency in servicing options look like. No Deception!
Please contact me with proactive or already in place regulations that will assist me with this companies attempt to collect a nearly paid off debt that they are trying to stock pile one-time insurmountable fees on top of.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3314337
|
2019-07-22
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
No
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2019-07-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-07-22
|
| Complaint What Happened |
I WAS CALLED BY THE HR DEPARTMENT OF THE COMPANY I WORK FOR AND THEY TOLD ME THAT A WOMAN NAMED XXXX XXXX WAS LOOKING FOR ME, AND GAVE ME A NUMBER TO CONTACT HER AT. I CALLED THE NUMBER AND FOUND OUT SHE WAS A DEBT COLLECTOR FROM XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3380915
|
2019-09-20
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-09-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-20
|
| Complaint What Happened |
The remaining balance on my student loans ( roughly 36,000 in XXXX ) was discharged in XXXX due to XXXX XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year reviews.
That and other documents were submitted to XXXX/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and FH Cann were reporting over six months of delinquency to the three bureaus.
None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion.
The XXXX staff at the Dept of Education told me it was clear that I had a XXXX balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago.
I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim.
I am on the verge of being homeless. This is criminal.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3524470
|
2020-02-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-11
|
| Consumer Consent Provided |
Other
|
|
|
3003694
|
2018-08-28
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2018-08-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3128381
|
2019-01-18
|
Struggling to repay your loan
|
Student loan
|
|
| Issue |
Struggling to repay your loan
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Problem lowering your monthly payments
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2019-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-01-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2270377
|
2016-12-30
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about my loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-12-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I need assistance with school loan collections matter concerning the companies XXXX XXXX and F. H. Cann and Associates.
A ) I consolidated with XXXX XXXX in XXXX, payments towards the loan balance were automatically withdrawn from my checking account monthly. This occurred from the start of the consolidation until XXXX when I became unemployed, consecutive payments were receives from me to XXXX XXXX from XXXX to XXXX. In XXXX, I questioned the remaining balance because the stated balance did not appear to be accurate ( it was {$3000.00} less than I started with ). During the 5 years of repayment ( from XXXX to XXXX ) I did not receive a single statement of payment applied and/or remaining balances. I made multiple requests for an explanation of balance from XXXX to XXXX, this was only provided to me two week ago from a claimed XXXX XXXX ombudsman XXXX at XXXX XXXX XXXX XXXX. See attachment for Payment History Letter. What the payment history letter showed was astounding, payments where applied towards interest and none or mere minimal were applied toward the loan principal ( for example : with a payment of {$100.00}, all {$100.00} was applied to the interest and {$0.00} to the principal. The very next months with another payment of {$100.00}, {$99.00} was applied toward interest {$2.00} towards the principal ). How were they applying payments??? And if {$0.00} is applied towards principal - would I ever finish? {$0.00} one month then {$2.00} the next. According to XXXX, it was a simple interest loan. This was never explained to me before because I would not have consolidated my loans with XXXX XXXX had I understood that I would only be paying interest. Also, there were at least XXXX different interest rates - 5.75 % and 5.25 %. This does not make any sense - is n't the point of consolidating that there would be XXXX balance and XXXX rate?? The prior loan holders prior to XXXX XXXX were XXXX and XXXX. The interest rates were 4.5 %, XXXX and 5.3 % for these loans. When I consolidated the loan, I was told the interest would have been less. Why would I have consolidate at a higher rate that I as paying prior????? This is a practice of Usury. When I graduated from school, I had XXXX single unsubsidized loan, looking at the statements now, which I repaid prior to the consolidation with XXXX XXXX, now I see where there are XXXX unsubsidized loans. They have sliced, diced, divided, flipped and transferred the loan to this and that servicer that I do n't know what 's up and what 's down anymore or how they have the figure that they have. What I know is that I faithfully repaid the loan for 5 years in what I only understood to be graduated payments, not simple interest payments, I asked for payments to be increased twice in the 5 years - now I am not sure if that was done. I was told that interest rate would be lower - it was n't. I was told that if I did direct checking withdrawal, interest rate would even further be reduced - not sure if that was done either. I was and still am being taken advantage of by XXXX XXXX. I would not have consolidated with this company had I been told or understood these terms.
Let me go on to explain that I entered into deferment from XXXX to XXXX due to unemployment, then XXXX to XXXX while I was a full time student. In XXXX, I again tried to resolve the balance and also obtain history of payment and explanation with XXXX XXXX / XXXX XXXX ( a new company the entered the picture sometime around XXXX or XXXX ) - they simply referred me to their company web site that had none of the information I was looking for. I was basically given no right to question the account.
B ) F. H. Cann and Associates started contacting me approximately a month ago. They left vague messages on my company 's answering machine in the nastiest manner - stating " XXXX call back this number, '' without stating wh
|
| Consumer Consent Provided |
Consent provided
|
|
|
2694563
|
2017-10-05
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted you after you asked them to stop
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2017-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-16
|
| Complaint What Happened |
In XXXX of XXXX, after received a phone call at work, I asked XXXX XXXX of FH Cannes and Associates to not contact me at my work phone number. She contacted me at work at around XXXX on XXXX XXXX, XXXX at work.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1191500
|
2015-01-13
|
False statements or representation
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-01-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-01-13
|
| Consumer Consent Provided |
N/A
|
|
|
12305738
|
2025-03-05
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
F.H. Cann & Associates, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2025-03-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-05
|
|
