Consumer complaint received 2017-08-08
Company: Ceannate
State: CA
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:
I have been unemployed since graduation other than odd jobs unable to pay my student loans. Finally got a min. wage job in a warehouse less than year ago. Student loan garnishments of 15 % started 8 months ago $ 250- {$290.00} a month.I have paid {$1500.00} so far which I ca n't afford from XXXX saying I owe {$14000.00} for student loan. Now FMS says I owe {$34000.00} & is going to garnish another 15 % of my pay. I called XXXX the school I attended they said I borrowed XXXX in S loans. The total of these two is {$57000.00} which cant be correct. FMS has no record of any of my payments to student loan debt at all. The government website says I owe {$34000.00} with interest & fees but no payments show. I am unable to get answers as to why XXXX is garnishing my pay & where the money is going. I can not afford to be garnished twice to a total of aprox {$600.00} that is almost an enitre 2 week paycheck. I commute 3 hours a day to work spending over {$350.00} a month in gasand my truck is 10 yrs old with lots of miles if it broke down tommorrow I could not pay to fix it.I ca n't save a dime for repairs. I am homeless living in a 25 year old camper for 7 years now in an rv park  with my XXXX wife costing me over {$800.00} a month just to park there. I can not survive with these garnishments. I need an income based payment I can afford to pay and still live with money to repair my truck & camper when needed and pay for medical etc. I want to pay my debt even though I was sold a bill of goods that has not gotten me any kind of gainful employment I make only {$12.00} per hr. I believe XXXX is taking money fraudulently and FMS is not willing to assist me in setting up affordable payments or working with me in any way or even explaining why XXXX is garnishing my pay and why no payments show anywhere. I was constantly harrased by phone when I was unemployed by XXXX until I just started hanging up on them or not answering my phone at all. I feel so frustrated and am going in circles trying to get to the bottom of this nightmare. I owe all this money for nothing. XXXX promised to place me in a job when I graduated but they never helped me get a job. They sent me on a few interviews for which I was not qualified. Our government needs to crack down on all these schools that get innocent people in huge debt trying to improve there chances of landing a great job and supporting themselves and their families. They sell propaganda to those who are desperate to move up in the world.This debt has ruined my credit and chances for the future and makes me wonder why I even try to succeed as it seems impossible. The people at FMS are horrible and offer no help or solutions. They will not listen or offer any advice or even give you the facts. I have filled out stacks of paper sent in financial disclosures everything asked of me but yet they do not offer any viable solution. I do not want to quit this job but I will be forced to if the garnishments dont stop and an affordable payment plan isnt put in place. I would be better off doing odd jobs for cash near where I live. We had hoped to get an apartment and live like normal people again. Even though we filled the financial papers we were not even given the deductions that a household of XXXX normaly gets because we are homeless and do n't pay average rent or utilities. We want to live in an apartment like everyone else but ca n't afford it and now with these garnishments we never will. How can they not give us the national standard allowance for housing when working out a 15 % garnishment? Is n't that illegal? It seems to me there is some kind of fraud being committed. I 'm at the end of my rope now there has to be some kind of accountability for this type of loan servicing. People in other countries get more help from our government than us Americans who pay their salaries with our hard earned tax dollars! I am a taxpayer and demand answers and help concerning this matter. I thank you in advance for your help and concern.

Company response to consumer: Closed with explanation