Consumer complaint received 2021-02-17
Company: ACCESS GROUP INC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I would like to file a complaint against Access Group and XXXX XXXX. I have filed previous complaints regarding this matter on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). My complaints are regarding my private student loans,. I have endured great hardship due to the COVID 19 pandemic and I am currently receiving COVID 19 unemployment and disaster aid. I have repeatedly requested that Access Group offer an Income Based Repayment Plan for these private loans. They have ignored all requests and refuse to offer alternative payment options. My private loans have been taken out of pandemic deferment and have a payment due date of XX/XX/XXXX. I need for Access Group to offer an alternative IRB plan. I will not be able to pay these loans back if they refuse to work with me on the loans. Here is a copy of the letter that I have sent to them today : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear Access Group and XXXX XXXX, I received the mailed statement that my private loans were going back into payment beginning XX/XX/XXXX. The loans have been in a COVID 19 pandemic deferment. My small business has been financially damaged due to COVID-19. I lost more than 75 % of my income. I am currently being supported with unemployment pandemic disaster aid and I can not afford to pay this bill at this time. 

My situation has not changed since I last notified you of my financial situation. In fact, my situation is now much worse. My XXXX has suffered greatly because of the COVID 19 pandemic, a destructive president who was impeached twice who caused a massive insurrection on the XXXX XXXX and now my area is buried in snow with deadly freezing temperatures, and experiencing power outages and loss of internet. There is really nothing I can do. I feel like giving up. 

Far more damaging than COVID 19 has been the crazy, hateful rhetoric, lies, conspiracy theories and the attempt to overthrow our democracy by Trump that has caused great instability for people in all areas of our lives. It has been so extremely hurtful and has caused so much damage and sadness. I dont know how this nation and its people will heal from all of the destruction. 

Small businesses like mine have been destroyed and no one has worked harder than I have to build their business. I blame my government for my inability to pay back these student loans, for ruining my life starting with the financial market crash in XXXX and then the lack of any ability to lead during the COVID 19 pandemic devastating our country and economy and then the final assault on our XXXX XXXX. 

How much can we take? Seriously, how do you expect me to overcome this? I honestly dont think I can. I am single and have endured too many disasters that it has become impossible. These national disasters were not my fault. 


It is beyond comprehension what we have just been through! It has been so damaging to have such a narcissistic president who cared nothing about us and how damaging his crazy hateful behavior was on our lives. 

I am financially unable to pay the statements sent for my private student loans. I dont foresee that I will be able to pay them this year. I would appreciate an income based repayment ( IBR ) plan option for my private student loans as otherwise I dont think that I will be able to pay you any amount if you can not work with me on the payments. 


Please contact me to confirm you have received my letter. 
Thank you, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- It is very unacceptable that my government has allowed for lenders to continue to treat private student loans differently than other student loans. These are student loans and it is very unfair! As I said in my letter to Access Group and XXXX XXXX, I blame my government for my inability to pay back my student loans. My government has been reckless and has ruined many lives including mine. 

Please review Access Group and its handling of private student loans. 

Thank you,

Company response to consumer: Closed with explanation