|
3047253
|
2018-10-16
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Action Financial Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2018-10-16
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
2207444
|
2016-11-14
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
Action Financial Services, LLC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-11-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2906288
|
2018-05-14
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Action Financial Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2018-05-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I received a letter on XX/XX/2018 stating that I must respond and begin making payments on my federal student loan or it would go into default status. I called within the first 30 days of the allowed 60 days and they told me that my loan was already in default and to " disregard the wording as it is their general welcome-letter ''. They then took some information from me and stated that I would need to pay a monthly amount of {$78.00} for 9 months for my loan to be taken out of default status. The entire loan amount equaled {$7300.00}. I agreed to the monthly amount and asked if I could make the first payment but they asked me to wait until I received another letter for them to begin making payments.
While I was waiting for their letter they began calling my employer and my employer transferred the call to me. I immediately asked them never to contact my employer and only to contact me on my cell number. They agreed, but then stated my new total was {$9200.00} and I would now be required to make a monthly payment of {$750.00} per month. I told them this was not feasible for me and asked why my monthly amount jumped 10x that of their last quote. They said it was because I was married and my husband made the same amount of money that I did. I asked then why the payment wouldn't just double to {$150.00} and they couldn't tell me. At this point I asked them again to only contact me via my cell number and I called my attorney for advice. She advised me not to speak to them and to allow them to send a letter on my behalf.
A week later I began receiving calls from them again directed to my employer. I spoke to them and reminded them that I expressly asked them never to contact my employer, that I had never given them the name or number of my employer and that they were jeopardizing my employment by doing so. They then pressured me to give them the name and phone number of my attorney and I said I didn't feel comfortable doing so and that all information would be clearly presented in the letter presented on my behalf.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4118319
|
2021-02-05
|
Incorrect information on your report
|
Student loan
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Action Financial Services, LLC
|
| Product |
Student loan
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2021-02-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
3362876
|
2019-09-04
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Action Financial Services, LLC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2019-09-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have been contacting Action Financial services since XX/XX/2019 about my account. In XXXX I spoke with Mr. XXXX XXXX and on XX/XX/2019 & XX/XX/2019 I spoke with Mr . XXXX XXXX. XXXX XXXX lied and said we never spoke but he was the person I faxed my 1040 form to. He admitted that his company made an error and I was reimbursed for the money they took from XXXX to XXXX and Mr . XXXX XXXX sent a letter to my job to stop the garnishments. Mr . XXXX XXXX did not put me into the repay program and they are still garnishing money out of my paycheck every month ; {$600.00} a month! I have sent my 1040 form that his been signed since XX/XX/2019 @ XXXX and I also have several fax confirmations of what was sent. Mr . XXXX XXXX has lied repeatedly saying he never spoke to me and I have proof that we spoke and that he did in-fact send the information to my HR Department. I have also spoken to Mr. XXXX XXXX and he too ignored my 1040 and still did not put me in the program. ON XX/XX/2019 I was on a three way with XXXX from XXXX XXXX XXXX XXXX XXXX. and I called Acton Financial services at XXXX and now the call goes straight to voicemail ; I spoke to XXXX XXXX on XX/XX/2019 and Mr. XXXX XXXX who hung up on me when I told him I re faxed my 1040 for the 50 th time. I also told Mr. XXXX that I reported his company and he hung up on me! I have repeatedly sent the information that they need and yet the keep garnishing my money.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3397335
|
2019-10-07
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Action Financial Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-10-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Action Financial Services LLC continues is a collection company that has continuously kept this on my credit report. I left the school who used deceptive tactics to recruit and promise an education when in fact they were for-profit using unqualified teachers/professors per article from XX/XX/2007, " the New York State Education Department reported deficiencies at the XXXX XXXX New York campus. The problems related to faculty qualifications and remedial course offerings. New enrollment was limited and the Education Department stated it would close the college if improvements were not made. '' Improvements were not rectified. I am disputing the loan with the Board of Education and was advised the process takes time.
The credit agency is threatening and is posting on my credit report when it should be removed after some years. They refuse to do so and are holding my credit report " hostage '' for payment threatening they will remove negative reporting only if I pay them. They are menacing and unethical practices are causing frustration, time, and unable to move forward. This has been harassment non-stop.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3049668
|
2018-10-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Action Financial Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2018-10-17
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
