Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  While reviewing my credit report, I noticed accounts that dont seem accurate, and I strongly suspect they may be linked to a data breach. I need clarification on these listings and would like you to verify their legitimacy. The accounts in question are:Name of the Unverified Item: AM-STUDAST Account Number: ************ Reporting Balance: $15,090.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am requesting copies of any documents used to verify these accounts. I do not want a generic response stating that they have been verifiedI need to see actual records supporting that claim. If no such documentation exists, these accounts must be deleted under Section 611(a)(5)(A)(i) of the ******* is essential that my credit report contains only accurate and verifiable information. Please resolve this matter as soon as possible. Let me know if you need any additional information from **** look forward to your response.

  

  Business Response

  Date: 02/26/2025

  We did respond to this complaint and received the attachment from the BBB.

• Initial Complaint

  Date:10/31/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The balance for this account is not accurate and the original agreement was not provided to me by American Student Assistance. This is not my original lender and I would like to have this removed from my credit profile.

  

  Business Response

  Date: 11/05/2024

  Please see the attached response from Educational ***************** Corporation (ECMC) on behalf of American Student Assistance (ASA).

• Initial Complaint

  Date:03/30/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with ***** *********** I do not have a contract with American Student Assistance. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 04/09/2024

  Please see the attached response from Educational ***************** Corporation on behalf of American Student Assistance.

  Customer Answer

  Date: 04/11/2024

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  Upon thorough review and in response to the information provided by ASA, I have identified unverifiable in the reported information particularly regarding the amount ASA state that they paid for the default claim on June 4,2010, and the original loan service provider as referenced in the attached copy of ASAs response to me.
  

  In their response, ASA state in paragraph 2 of page 1 that the loan was serviced by EdFinancial and guaranteed by ASA. In my original complaint, I state that I did not have an agreement with ***** Fargo. ASAs response in paragraph 6 of page 2 is that I should contact ***** Fargo directly as they are unable to address those concerns; however, on my credit report ***** Fargo ELT Edsouth is listed as the original creditor. My concern is that during the time frames for the loan as referenced by ASA in their response, the **** had taken legal action against ***** Fargo for illegal student loan servicing practices.
  

  Also in their response in paragraph 5 of page 1, ASA state that on June 14, 2010 they paid the default claim in the amount of $24,077.84 which became my new principle balance. On page 1 of the Previous GA Payment History Report, it shows on June 14, 2010 a principal amount of $24,077.83. This shows that the amount is not verified or validated which is required for them to do by the **** before reporting it to the consumer reporting agencies.
  

  In compliance with 15 U.S. Code 1681s2 after notice and confirmation of errors, it is their responsibility as a furnisher of information to consumer reporting agencies to not furnish information relating to a consumer to any consumer reporting agency if they have been notified by the consumer that specific information is inaccurate; and the information is,in fact, inaccurate.

  As such, I am again formally requesting the immediate deletion of this collection from my credit report.
  

  Thank you,

   ******

   

   

  

  Business Response

  Date: 04/23/2024

  Please see attached response to consumer's rejection of ECMC ASA original complaint response.

• Initial Complaint

  Date:03/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am reaching out regarding some fraudulent accounts on my file. I was reviewing my credit report and saw that American Student Assistance has placed multiple fraudulent accounts on my file. These accounts are not mine and should be treated as such. I have no knowledge of these accounts and are demanding that these accounts are deleted from my credit report as soon as possible. Furthermore, I am requesting that because you HAVE reported yourself on my report that you submit the following information- May you please send me the original contract proving that I had a contract with you all. Being that this account has recently shown up on my file, can you all provide your chain of title and errors and omissions policy number proving that this company is even certified to collect this alleged fraudulent account. If you cannot provide the following documentation to me or support my Identity Theft report showing that these accounts are not mine, delete these accounts.

  

  Business Response

  Date: 03/20/2024

  This is in response to the complaint you filed with the Better Business Bureau (BBB)concerning federal student loans listed under your name held by American Student Assistance (ASA). ASA is a nonprofit guarantor for the Federal Family Education Loan Program (FFELP). For information about ASA visit www.asa.org. Effective January 1, 2018,Educational ***************** Corporation (****) is providing services for ASA to support borrowers with their federal student loans. **** is an authorized agent for ASA.
  
  **** has reviewed your concerns. **** records reflects you filed a similar complaint with the ************************************ (CFPB) on March 19, 2024, case #******-13660541,which was responded to timely. Attached is a copy of ***** response, on behalf of ASA, to your CFPB complaint for review. Please refer to this response for details regarding loan information and ASA credit reporting requirements.
  
  Should you have any questions concerning this response, please contact ***************, **************************** and ****************** at ************ or ******************.
  
  

• Initial Complaint

  Date:10/26/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am deeply concerned about the sharing of my nonpublic information with credit bureaus and the resulting inaccuracies on my credit report. This situation has caused significant financial and emotional distress.Under 15 USC **** Section 602, I have the right to financial privacy, and I expect my information to remain confidential.Furthermore, 15 USC **** Section 604(a)(2) states that a consumer reporting agency cannot furnish account information without my written instructions, which I have not provided.I have identified inaccuracies on my credit report from World Finance, impacting my financial well-being. I request these inaccuracies be corrected promptly.Lastly, please remember 15 USC 1666(b), which prohibits treating payments on a credit card account as late under certain circumstances.For reference, my account details are as follows:Account Number: **********I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws regarding my information.Failure to address these issues may compel further legal action. I anticipate your prompt response and resolution to these concerns.Thank you for your immediate attention to this matter.*********,*************************

  

  Business Response

  Date: 11/01/2023

  Please see the attached response from Educational ***************** Corporation (****) on behalf of American Student Assistance (ASA).

• Initial Complaint

  Date:06/16/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is in response of Complaint# ********. This Response you have given me has absolutely nothing to do with at which violations are being committed here*. You keep referring this debt as "My Loan". You keep referring this debt as if I own this debt. For the past few years, I have denied and disputed the validity of this debt. And until this present date you have not shown or presented any validity of this alleged debt. You have not presented me the original loan agreement with my original wet ink signature. You have not presented me with any and/or all loan agreements that i have with American Student Assistance or any Third-Party Collectors with my original signature nor did I ever sign any agreements or contracts with American Student Assistance or any Third-Party Collectors. 15 U.S.C. code ****g (b). Again, let us not deflect the violation at hand here! This is a Closed and Charged-Off account. Therefore, I am requesting a ****-C according to the Aquisition on Abandonment of Secured Property and Cancellation of Debt. It is Illegal to reopen a closed and Charged-Off account as I have sent you the necessary documents that account# ******** is closed and charged-off since 2019. Therefore, I have nothing to do with the Cares Act and the Fresh Start Program. I am requesting the following information: 1) The Name and address of the Third-************************ that's representing this account along with proof of a Valid license to collect in ********. 2) Any and all contractual agreements I have with the Third-Party Collectors with my signature. 3) Full Payment history from original creditor including receipts.4) Please provide documented verification of the month, year and day of my first delinquency. According to 15 U.S.C. **** and 15 U.S.C. ****, I have a right as a consumer to request such information and the debt collector is Obligated to provide such information.

  

  Business Response

  Date: 06/23/2023

  This is in response to the complaint you filed with the Better Business Bureau (BBB) concerning your federal consolidation loan guaranteed by American Student Assistance (ASA). ASA is a nonprofit guarantor for the Federal Family Education Loan Program (FFELP). For information about ASA visit www.asa.org. Effective January 1, 2018, Educational ***************** Corporation (ECMC) is providing services for ASA to support borrowers with their federal student loans. ECMC is an authorized agent for ASA.
  
  
  ECMC has reviewed your concerns. Our research reflects you filed a complaint with the ************************************ (****) on June 4, 2020, case #******-5099697 and with the BBB, complaint #********, which were responded to timely. Please refer to those responses for details regarding your loan information, ASA credit reporting requirements and validation of the debt. Your new complaint raises two additional concerns. ASA has not provided you with a contract that has a wet ink signature, and the account was charged off in 2019.
  
  You are requesting an original contract with a wet ink signature. Under Rule **** of the Federal Rules of Evidence, [a] duplicate is admissible to the same extent as an original unless certain criteria are met.The copy of the promissory note ECMC, on behalf of ASA, has provided you to date is sufficient to show that a valid federal student loan debt is due and owing. See ************* *****************************, 557 F.3d 285, ****** 6th Cir.2009) (rejecting argument that the original promissory notes had to be produced and noting that photocopies are allowed into evidence as if they were originals, pursuant to Fed. ******** ****.
  
  You also mention it is illegal to reopen a closed/charged off account. As explained in the **** response, when your loan defaulted, Navient filed a claim and ASA paid the claim on June 13, 2019. After the claim was paid, Navient would reflect a zero balance as ASA became the holder of the loan. There is no evidence to support your account was charged off and you do not owe this debt.
  
  Please contact ***************** for questions about your account or to opt-in to Fresh Start. If you have questions regarding this response, please contact ***************, ******************************** and ****************** at ************ or **************
  
  

• Initial Complaint

  Date:06/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Account # ******** has been closed and Charged-Off since 2019. It is illegal to reopen a Charge-Off Account. If in fact this account was Charged-Off, IRS PUBLICATION FORM, ACQUISITION OR ABANDONMENT OF SECURED PROPERTY AND CANCELLATION OF ****. FILE FORM ****-C , CANCELLATION OF **** FOR EACH ****OR FOR WHOM YOU CANCELED A **** OWED TO YOU OF $600 OR MORE. FORM ****-C MUST BE FILED REGARDLESS OF WHETHER THE ****OR IS REQUIRED TO REPORT THE **** AS INCOME. NOTE: A CHARGE-OFF IS A CANCELED **** ! I have uploaded the necessary documents to show Proof and the Validity of this account. This account was recently Reopened and Reinserted on my credit report and that is a (FDCPA) Violation* 15U.S.C. ****e - False or Misleading Representations: A debt collector, in collecting a debt, may not use any False, Deceptive, or Misleading Representation** I am aware that (****) Education *********************** is a third party collection representing American Student Assistance but American Student Assistance is listed on my credit report** linked to the Account ********. I am requesting that American Student Assistance along with their third party collectors Remove and Delete account # ******** before Legal action will pursue. I have already reported this ILLEGAL VIOLATION to my state attorney**

  

  Business Response

  Date: 06/13/2023

  Please see the attached response from Educational ***************** Corporation on behalf of American Student Assistance.

  Customer Answer

  Date: 06/16/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  This is in Response of Complaint# ********
  FAQ
  
  Regards,

  ***********

   

   

• Initial Complaint

  Date:04/04/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  received a notice that I have a collection from AM STD ASST on my credit report. It says it was opened on 06/05/2017 for $0.00 with account number starting in ******** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  

  Business Response

  Date: 04/07/2023

  Please see the attached response from Educational **************** Corporation on behalf of ******* Student Assistance.

• Initial Complaint

  Date:03/20/2023

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Our son,*************************** passed away this past September. We had a school loan for him through Nelnet acct D042484247 (in my name). I submitted the Death Certificate and was told the loan balance would be discharged and it was approved in December and would take ***** days.I waited well beyond that time frame and submitted complaint through ************************************ #******-10375541 ,on2/14/23. Their phone is ************.Nelnet answered the complaint on 3/1/23 and stated delay was due to failure of American Student Assistance,*****************************************. (phone ************) to send them the release papers required to discharge the loan balance (guarantor) and allow ****** to reimburse the $300 plus a month I have been paying to Nelnet since October of 2022.

  

  Business Response

  Date: 03/29/2023

  Please see the attached response from Educational ***************** Corporation (****) on behalf of American Student Assistance (ASA). 

  Customer Answer

  Date: 03/30/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  *************************