Consumer complaint: The student loan consolidation company USA Student Loans promised me that they " will successfully reduce your monthly payment to {$0.00} for the life of the loan. Upon expiration of which your remaining loan debt would be forgiven. '' They demanded three payments to total {$390.00}, which included one payment upfront to start the process. I made the first payment and then I found out from my loan provider EdFinancial that I do n't have to use a third party to appy to decrease my loans as this service is free, so I tried to cancel USA Student Loans from doing anything further. They started the process anyway and transferred my loan to another provider. I never signed anything, nor did they give me any formal documentation about what they were going to do. They accessed my account details without telling me. I did n't even tell me where my loan ended up. They kept promising that they would send me receipts and information, as well as website logins and they NEVER sent anything. I tried to cancel their service and they threatened to take me to collections, which made me scared and feared for my personal security. So I made the next payment with my credit card only after speaking to them and they promised again to remove my debt. They began accessing my student loans, changing my login details and security questions for my student loan account. Yet they never once tried to contact me by phone or mail to explain what they were doing. I only found out because I went searching for all the info and called the student loan providers to find out what was going on. Now my loan is simply with another provider XXXX, yet USA Student Loans did nothing to reduce my payments as promised. This company is a total lie and a scam. They have charged my credit card for a total of {$390.00}. 

They changed my FSAID login and I was locked out of it until I proved my identity. This has taken countless hours from XXXX 2015 until present, dealing with this on the phone to student loan providers and the FSA. I had to apply for forbearance to XXXX on my own, in order to stop my student loan payments while I was dealing with this fraudulent company. 

The following items were never addressed by USA Student Loans:1 ) The status of my student loan : ie. when the payment was going to be made, where it was going to be transferred to, or anything in writing that explained this process. 
2 ) The name of my student loan provider after they had transferred it. I had to find out myself by ringing XXXX to see who had paid off my loan and where my loan was currently being held. 
3 ) My FSAID. When I contacted FSA, it appeared that USA Student Loan had set up my FSAID for me without telling me. They used my personal data to set this up and my account was locked when I reported this. I had to go through a lengthy process to reinstate my FSAID and prove my identity after it had been used without my knowledge by USA Student Loans. On XX/XX/XXXX I had my FSAID reinstated. My FSAID Case is # XXXX, for your reference. 
4 ) The Login that they promised was never sent by email or mail. After they had taken my final payment, XXXX XXXX wrote me on XXXX XXXX saying " We have also set online access to your account for your convenience and the temporary login credentials will be forwarded to you under cover of separate email. '' This Login was never sent to me after I repeatedly asked XXXX for it on XX/XX/XXXX and XX/XX/XXXX. 
5 ) The promise to eliminate my student loan payments to {$0.00} for the life of the loan made by XXXX XXXX on XX/XX/XXXX was misleading and deceptive. This company charged me {$390.00} for a service that they did not complete. 

My major concerns with this XXXX ) Breach of privacy and misuse of personal XXXX ) Threats, bullying and unethical business XXXX ) Taking advantage of people who are in debt. XXXX Obama 's XXXX XXXX XXXX by charging a fee for a free service. 

Company response: Company believes it acted appropriately as authorized by contract or law