Consumer complaint received 2021-10-05
Company: Credit Adjustments Inc
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi there, I had both my federal and state taxes illegally docked despite there being a moratorium per the Cares Act until XX/XX/XXXX. The department of Education actually sent me a letter saying payments were paused. I had roughly {$7300.00} taken that I need returned. I'm a single mother of XXXX kids XXXX with no financial help and am facing utility shut off notices and threats for my car being repo-ed. I was an XXXX XXXX  until COVID hit and my oldest is at XXXX XXXX  with his extreme XXXX, with our doctor highly suggesting I not resume interacting with the public until things settle down. My PUA ( self-employment UI ) just ended and this money is very needed right now to keep my family afloat. 


I was directed by Health and Human Services to call OSU for assistance with my debt and did so numerous times over the years, seeking forbearance or any sort of help. Each time I am told that they are private loans so there's no help. I do not understand how I had to go entrance and exit online counseling to get the loans and I signed up for student loans, not private. They say that when I dropped down to part time it changed to private? I do not understand how a loan can change like that. I have all of the emails from the time of origination and they all say " student loan ''. They're also having me pay back grants, which is weird. Further, to my understanding, private loans can't be docked unless there's a judgement. So I don't understand how they've ever been docked from my state. And they say that they did request that payments not be docked but it wasn't until XXXX and my payment arrived in XXXX. I do not believe they can not offer a reversal due to financial hardship during a pandemic. Additionally, I was never told that I had a whole separate loan that's federal. To my knowledge, the initial amount owed was XXXX and I've paid that back and then some over the years with my taxes being docked. It's hard for me to believe that over the years that I asked for help, they never bothered to tell me that part of my loan was federal and that I could actually get forbearance or some kind of help from federal. I honestly don't believe that they don't have any type of programs for their loans themselves though. I've never heard of such a thing. No forgiveness, loan discharge, or consolidation, repayment options? I feel they're taking advantage of me and I'd like my loan discharged at this point. As I've been looking into this, I'm seeing that they're legally required to provide me statements and repayment options, of which they've done neither. Reading that Department of Education says states can hold student loan servicers accountable when they fail to provide eligibility of forgiveness programs or provide false/misleading info on account. The loans were from 2009 so if they're private, the private should have maybe dropped off?

I would like my payments to both OSU and federal returned. The servicer that docked payment for federal is Credit Adjustments Collection Company : XXXX XXXX XXXX. They are not returning my calls. 

I appreciate your help greatly!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation