Consumer complaint received 2017-05-19
Company: FIRST CONSUMER, LLC
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX a receive a call from XXXX XXXX a sales consultant from First Consumer for a message that I send by asking for student loan advice for former President XXXX student loan program. This consultant use high-pressure sales tactics by pitch that your interest rates may go up if you do not consolidate immediately!. In addition they offer the service with First Consumer by  paying 4 payments of {$140.00} with the condition that they help me with the following : 1 ) Consolidating my student loans 2 ) Helping with the paper process to the XXXX XXXX Agency 3 ) They warranty that the interest of the loans will go down from my actual loan holder XXXX & XXXX.
4 ) They offer a process that my loans amount would decrease because the high interest of the subsidiary agencies.
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After this information I agree the service because they promise to low my interest and pay off my debt completely in a faster way by eliminating interest fees charges. By doing this I already {$580.00} ( for forth payments of {$140.00} ). But things go wrong such as : 1 ) The interest never go down 2 ) They offer me a service that is already free 3 ) The service that they can help me is only by access to my account on XXXX/ thing that I can do it my self without intermediaries.
4 ) They offer me a graduate repayment program to low my loan interest but when I verify the information directly with XXXX XXXX representative this would rise my loan interest instead of decrease them.
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This all situation occur from XX/XX/XXXXto XX/XX/XXXX in when I have evidence of my communications with First Consumer representative such as : 1 ) XX/XX/XXXX- I receive a call from First Consumer consultant by offer me their finance service  that I agree. Same day I send my personal information and the charge me for {$140.00}.
2 )XX/XX/XXXX-XX/XX/XXXXI receive letters and calls form First Consumer for personal information that I need to fill up.
3 )XX/XX/XXXX- I call First Consumer because I receive documents from XXXX XXXX XXXX with my student loan consolidation information such as interest, total amount of the debt, monthly payment, etc. that I was not agree. They told me that the interest amount on the documents that I receive from XXXX XXXX they are wrong and they advice me to resend documents again to the XXXX XXXX to change my student loan interest rates.
4 )XX/XX/XXXX- I contact again to First Consumer to verify documents and other process to do to resolve the situation of high interest in the student  loan consolidation.
5 )XX/XX/XXXX- I contact again to First Consumer to confirm a document that I receive and that I need to resend to the XXXX XXXX XXXX .
6 ) They charge me form {$140.00} on XX/XX/XXXX 7 ) XX/XX/XXXX- I contact again to First Consumer because I receive a notice from XXXX XXXX XXXX that my payment is soon to be due on XX/XX/XXXX. I ask them if they resolve my situation about the interest rate but when I ask all that the official was lost and they do n't know what to respond me to resolve the previous agreement situation that I tell them on XX/XX/XXXX. The representative XXXX XXXX tell me that the supervisor is not available until XX/XX/XXXX to work with my case.
8 ) I decide to submit a complaint in the XXXX XXXX XXXX XXXX .

Company response to consumer: Untimely response