Consumer complaint received 2018-09-23
Company: GREAT LAKES
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am writing this letter as a complaint against both XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and The XXXX XXXX XXXX XXXX for violation of the SCRA laws. 
I took out student loans from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX and XXXX for a combined amount of {$21.00}, XXXX. When I joined the XXXX in XX/XX/XXXX, I sent notice to all my financial lenders a form indicating I was going into XXXX XXXX. I was on XXXX XXXX in the XXXX from XX/XX/XXXX through XX/XX/XXXX. I am enclosing the official form ( XXXX XXXX XXXX ) as record of the dates. During that time, I was also XXXX to a hostile environment ( XXXX XXXX ) for the dates of XX/XX/XXXX through XX/XX/XXXX ( Letter attached ).

With the SCRA laws, my payment were to be deferred 180 days after my separation date of XX/XX/XXXX ( approximately XX/XX/XXXX ). However, in XX/XX/XXXX I received notice from the MN Department of Revenue that they kept my state refund to apply to my debt. I also received a letter in XX/XX/XXXX that the Wisconsin Department of Revenue kept my federal tax refund of {$1000.00} to put towards my debt. This is when I started contacting Great Lakes. 
Great Lakes is claiming they never received notice of XXXX XXXX or the request to reduce interest on my loans. They sent my loans to the XXXX XXXX XXXX XXXX who sent my debt to a collection agency stating I was in default. Numerous phone calls to try to resolve the issue did nothing. They would not accept my XXXX XXXX XXXX and did not want me to send them the forms to show I was on XXXX XXXX. 
I finally wrote to the US House of Representatives for assistance on XX/XX/XXXX. They took my information and paperwork and wrote to the XXXX XXXX XXXX on my behalf. The response from the XXXX XXXX XXXX on XX/XX/XXXX ( attached ) indicates they were going to pull my account back from collections, refund my tax refunds, remove my loans from a default status and return the loan to Great Lakes so I may work with them. 
It is now XX/XX/XXXX and of the above actions, the only thing that has happened is the refund of my tax refunds. My credit bureaus are still showing default and the loan has not yet been returned to Great Lakes. This has caused me financial difficulties in trying to apply for other VA loans and get approved. 
My expectation is that my loans reflect the 6 % or lower APR that was to be applied throughout my XXXX XXXX status, deferment that was supposed to take place and the 0 % for the time I was in a hostile environment which was then to be deferred for 60 months. In addition, I want all negative credit bureau reporting of default or collections to be removed and the trade line from the XXXX XXXX XXXX to be deleted since they were sent to them in violation of the SCRA. Any compensation that would apply due to the violations of the SCRA laws are also expected, up to and including waivers of monies owned and fines and/or citations to Great Lakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation