So the mail came in and there was the usual ads and want to sign up for this, that or the other which got chucked into trash. The bills got put aside into the inbox, but something caught my eye which I immediately opened and called the number, what follows is the conversation with the "Madman":
ME - "Hi, I'm calling about this "Student Loan" because, well I have some questions about it and need to know what's going on with this"?
MADMAN - "Okay if you'll give me the "reference number" we can get started"?
ME - "It's (_________)."
MADMAN - "All right, so what are we going to do about this"?
ME - "That's the reason for my call, this is NOT my "LOAN", I've NEVER been in (Illinois), NEVER lived there and NEVER went to college there and I certainly DON'T recall signing up for a "student loan" for "X" amount of dollars, that's for sure, I think I would have remembered that"!
MADMAN - "Can I have you name"?
ME - "NO"!
MADMAN - "I can't help you if I DON'T know your name"?
ME - "Look at your computer screen, now I'm looking at this letter from you, you have the "reference number" so it has all my information there right, that is if you have the "RIGHT PERSON" or do you just send out letters randomly hoping someone will reply"?
MADMAN - "I don't understand"?
ME - "Well you should have a name there right on your computer screen? There should be an address and the "supposed" loan informatin right? Or do you just hand these things out to anyone who comes along like "Playing Cards"?
MADMAN - "Well Yeah, I mean, what I mean is I have to verify your information"?
ME - "You ALREADY have my information, like I said you contacted me about "said loan"...are you NOT the "XYZ Collection Agency"?
MADMAN - "Yes, that's correct".
ME - Your address is..."__________"?
MADMAN - "Yeah that's correct".
ME - "So why are you sending me these letters about a "Student Loan" I NEVER took out? Why are you calling looking for who ever? I didn't seek you out, unless whatever agency hands these "LOANS" out does NOT know who they're giving it too, see"?
MADMAN - "I don't follow you"?
ME - "What name do you have there on your computer screen"?
MADMAN - "It's "___________", is this you"?
ME - "How is it spelled"...because it's INCORRECT here on this letter you sent me, also the (DATE OF BIRTH) and (SOCIAL SECURITY NUMBER) is incorrect"?
MADMAN - "How is your name spelled"?
ME - "I'm NOT going to give you that information! You sought me out, you sent this letter to me. Like I said, you've been calling here looking for "whoever"! You claim this is my debt, if your information on your computer is NOT "CORRECT" then it kind of sounds like you DON'T have the right person"?
MADMAN - "Well, how is it spelled on the letter"?
ME - "Incorrectly".
MADMAN - "Can I have the correct spelling of your name"?
ME - "You have that information and I think I've made that clear"! I told you the name on this letter, the spelling is "INCORRECT", this means you have the wrong person"! The (DATE OF BIRTH) is INCORRECT, the (SOCIAL SECURITY NUMBER) is INCORRECT, sounds like you guys made a mistake"?
MADMAN then preceeded to locate a supervisor and put him on the phone and the same useless exchange of communication preceeded.
The name on the (Letter) and the letters I've received from various collection agency's over the years (attempting to STICK ME with this loan) is and has ALWAYS BEEN a "Butchered Version" of my name!
The (DATE OF BIRTH) and (SOCIAL SECURITY NUMBER) is and has ALWAYS BEEN INCORRECT!
I've made numerous calls to these collection agency's over the years I've been dealing with this "Debt" I CLEARLY DON'T owe!
This was a (Collection Agency) I had called who obviously was ONLY trying to PIN this loan on me instead of REALIZING they had the "WRONG PERSON" and so I was eventually referred to the Student Loan Department. So I called them and this is what their (Agent) told me:
I spoke with a man there extensively about what's going on there at the (Student Loan Department) the man who had been on the job for (49) years had this to say to me:
AGENT WITH (STUDENT LOAN CENTER) - "We must get about (750) calls an hour or more, from people asking about their student loans, it's crazy because (37%) of them are like you, calling about loans they never took out!
I believe you, it's probably true, here's why! I've been here for the past (49) years, going to retire soon. I'm an old man, I'm (68) years old been on this job forever! Back in the day they use to find the person, the "REAL PERSON" who legitimately owed the debt and worked out a plan for payment of the loan.
These youngsters that work here now, they're lazy, they DONT want to do the leg work anymore! So let's say your name is "Greg Jones" for instance and you took out a loan, LEGITIMATELY. If they CAN'T find the "REAL" (Greg Jones) who owes the debt, they look for ANY "Greg Jones" out there and they stick that guy with the debt!
We have the data bases here, (IRS), (Credit Reporting Agencies) it's ALL here, we're the government.
Oh my God, it gets worse, (53%) of the calls I take every day are from students who are getting billed for classes or materials they NEVER took or signed up for! I believe them, because I've been on the job for (49) years, it's like these universities just want to make money on these kids trying to get an education!"
So I've been fighting with these (Collection Agency's) and the (Student Loan Center) for over a decade now on a loan I NEVER took out!
A loan that originated in a state I've NEVER been too or have lived in, in my entire life!
A loan where the name is (Mispelled), specifically the (Last Name)!
A loan where the (DATE OF BIRTH) is INCORRECT!
A loan where the (SOCIAL SECURITY NUMBER) is INCORECT!
Lastly a loan where they refuse to provide ANY document that shows (My Information) along with the (Date) the loan was taken out and (My Signature) most of all!
So it sounds like the (Agent) from the (Student Loan Center) was CORRECT that if your name is "Common" you could become the target for "SOMETHING" simply because they are unwilling to do their job and find the "RIGHT PERSON", the "REAL PERSON" who owes the debt!
Corruption ABOUNDS in our country My Friends and one day you, yourself will find that "YOU" are dealing with a "MADMAN"!
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