Product: Debt collection

I purposely defaulted my student loans to get a in-person hearing our over the phone hearing because XXXX and its previous names ( XXXX XXXX and XXXX XXXX ) would not work with me. The only options these student loan providers ever want to offer is forbearance, deferment, our the greatest scam of them all, the income based programs. Its very unfortunate this is my only option left to fight the amount XXXX claims I owe them. For almost 16 years I have lived with non-stop harrashment from XXXX XXXX, XXXX XXXX and now XXXX. 

This past month ( XX/XX/ ) I requested all records of my student loans and payments ever made to XXXX, formally known as XXXX XXXX and XXXX XXXX. I requested these documents to support a over the phone hearing our a in person hearing that I have not officially requested to dispute the amount of money XXXX  claims I owe them. 

1. I HAVE NOT OFFICIALLY REQUESTED A OVER THE PHONE HEARING OUR IN PERSON HEARING AND XXXX  HAS ALREADY DENIED MY RIGHT FOR A FAIR HEARING. XXXX  STATES You requested an in-house or telephone hearing to stop the possible seizure of your federal tax refund or other federal payment ( s ) due you as allowed by the Treasury Offset Program ( TOP ). Your request has been denied. etc I NEVER REQUESTED A OVER THE PHONE HEARING OUR IN PERSON HEARING! I REQUESTED ALL MY STUDENT LOAN HISTORY AND PAYMENT HISTORY EVER MADE TO SUPPORT A POSSIBLE HEARING. IF XXXX  OUR ASCENDIUM HAS THE REQUEST FOR REVIEW PAPER WORK THAT WAS SENT TO ME TO OFFICIALLY REQUEST A REVIEW AND THE PAPERWORK IS FILLED OUT, ALL THE INFORATION ON THE PAPERWORK HAS BEEN FORGED! Please allow me to explain what I mean by OFFICALLY REQUESTED. Ascendium, the deceiving collection agency supported by XXXX, sent paperwork to me that included the REQUEST FOR REVIEW. This paperwork gives me the opportunity for a over the phone hearing our in person hearing to dispute what XXXX claims I owe them. I have NOT SIGNED any of this paperwork titled REQUEST FOR REVIEW our sent it to anyone. To my knowledge, this paperwork is the only way to request a over the phone our in person hearing. XXXX   denying my right for a REQUEST FOR REVIEW without giving me a chance to present any paperwork for a over the phone hearing our in person hearing should be against the law! There is a good reason why XXXX is currently being sued by many people for deceptive practices. 


2. XXXX did not send me all the records of my student loans and payment history that I requested. I was only sent payment records back to XX/XX/XXXX. My first loan was taken in XX/XX/XXXX, I know there are more records and I want those records. Im very curious as to why XXXX is not disclosing this information. 

3. My online account with XXXX has been locked for over a year. I have tried multiple times to access this account without any luck. I have sent numerous emails only to be told XXXX can not help me through email and for me to call random 1800 numbers. I have not called and will not. Once this deceptive organization gets a persons number the harassment never stops. I have even offered to meet with a representative from XXXX in person but they have denied those requests, imagine that. I have kept several email transactions with XXXX that I would really enjoy presenting to a court. 

4. In XXXX I signed a 6 year enlistment with the XXXX XXXX that included tuition reimbursement. Payments on my student loans were made and more payment could have been made. I fought with XXXX XXXX, XXXX XXXX, and now XXXX about this matter for years and they all could care less. I have a contract from the XXXX XXXX showing I was enrolled in the tuition reimbursement program. I want to see my complete student loan record and payment history as stated before. 

All I am asking is to have a fair chance to have my voice heard and receive a fair hearing.