Consumer complaint received 2018-07-05
Company: Kentucky Higher Education Assistance Authority
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I attended university of XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, and then i attended XXXX college from XXXX XXXX XX/XX/XXXX and i recieved numerous loans from various lenders and types of loans, and i wasnt advised that these would all have different payment plans and terms until i was told i was in default and that is the reasoning for my income tax return to be taken in XX/XX/XXXX by Kentucky higher education for {$6700.00}. They never would show me what loans the money was taken in reference to or which school loans was in question or proof that i was even notified of this default prior to them taking my income tax. I was threatened that if i didn't set up immediate payment arrangements that my wages were due to be garnished and my drivers license and all professional licenses were going to be suspended. I was in a severe domestic violence relationship and i explained this to them and that money was going to be what me and my XXXX children used to escape the violence and abuse and i was willing to set up what ever necessary to get my income tax return back even if it was a reduced amount. They misled me by saying if i set up payment arrangements and paid on time for three months that they would release the money and it would get me out of default. Well in XXXX i received something from the IRS saying that i was no longer in default and my income tax would not be deferred, so i called them and told Kentucky higher education and they said it wasnt a guarantee that i would get the money back, i had to show serious hardship first, which i submitted all documents like asked.. still never heard anything and this was around XXXX. And they had gotten their 3 payment like they wanted. XX/XX/XXXX, i was XXXX XXXX by my ex husband, the one iwas trying to escape prior to them taking my income tax and had a XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and injuries to my XXXX XXXX, was seen in ER and relocated to another state under order of protection from abuse with my XXXX kids, we had no money, XXXX, jobless and kentucky higher education finally said well you didnt submit documents in time to get the deferment reversed.. no one ever mentioned that i should reconciliation for my loans to get them out of deferment bc i was advised if i set up monthly payments i would be out of deferment, well i didnt realize how many individual loans that i had to various lenders, all in different stages of default, so in XXXX i finally did some research after the irs gave me some numbers to call about getting my money back. One of the numbers advised me to dispute my loans from XXXX college due to the amount of individual loans that was obtained and they didnt match up to the ledger i received from the school and they misrepresented the school and i got a degree that is useless and wont transfer like they said and they were a for profit school that misled me in so many different ways that i would not have even taken out the loans had i known they they were fraudulently obtaining these loans and inflating tuition rates and i was also advised to reconsolidate my loans, which i did. I kept fighting Kentucky higher education for my {$6700.00} back bc that amount could have been reconsolidated with the other loans had they chosen to refund my money but instead they threatened to come after me for repayment in various ways if i was ever to be granted them to repay that money to me that they would sue me for the money and put me back in default and prove i fraudulently obtained the money back. Well shortly after i disputed my credit report in XX/XX/XXXX bc they failed to accuratly report the loan data and payment history on my credit report causing me to suffer even further, they sold the loans to someone else and refused to do anything further. Then i find out the loans they took the money on was loans from XXXX and XXXX that was obtained when i went to XXXX XXXX   and not obtained in XXXX like my credit report states and not what i was told when asking about them initially..my credit report shows the same exact loans negativity reported by each lender that bought the loans over the years, XXXX XXXX, XXXX , XXXX XXXX XXXX XXXXXXXX , Kentucky higher education , and XXXX XXXX all with conflicting information and none can produce original promisary notes from sXXXX XXXX or XXXX college showing that i actually owe these loans or accurate payment history on loans from either school, so i was told without that info they couldn't keep pursuing me to repay the loans. I am currently in deferment until i can prove they have been harrassing me and illegally acting against me. So im begging you to please look into this, bc of how this company impacted mine and my children safety and welfare causing us severe hardship and still continues to avoid repaying money that was wrongfully taken.

Company response to consumer: Closed with explanation