Consumer complaint received 2019-02-14
Company: COAST PROFESSIONAL INC
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2018 I was contacted by Coast Professional stating that my student loans had been turned over to them to collect the debt. After telling them that I could not afford the payments they wanted me to pay I was told that they could see about lowering it. After several attempts of complying with what they wanted/required, I was not successful at getting help. It was left at them attempting to find some other way to help and being told that they would contact me when they did. 9 months went by and I was not contacted once by any representative of their company. In XX/XX/2018 I recieved notice that my wages were going to be garnished. I immediately call their company to try to figure out something else since I already live paycheck to paycheck. I was told that they were not able to stop the garnishment, but that I could apply for a lower payment to be made each month in addition to the garnishment. After figuring out how much the additional payment would be, I agreed to continue with the process because I was informed that if I made 5 payments they would stop garnishing my checks. That was in late XX/XX/XXXX. Each time I call in and speak with a representative i am told a different story and that there are different things that are required. I have sent in everything that they have asked and am being told that some of the paperwork was denied because of how it was printed off, which was not in my control. Not only do I talk to different people each time and am told different things, but I have asked them to not call me during the day since I am working, but after being told that they would make note of it and not call during the day, I still receive calls. I have been told that they do not leave voicemails and that they are not able to email outside of the office when I have asked for them to send me something via email, which makes communication with them more difficult given my schedule. Part of the repayment plan is that they needed to know how much we spend in living expenses each month, and when I attempted to update them on the price of our rent being raised I was told that it didnt matter because I was already at the lowest payment. I understand that the payment may be at the lowest, however I would like for the information to be correct. I feel as though they company and representatives of that company do not know what they are doing as far as their policies and paperwork that is needed. I also feel that it is very wrong of them to garnish my wages without any notice or communication for 9 months. I am not denying that I owe the student loan debt, but I do not believe that it warrants this company garnishing my wages. It has put a huge financial hardship on my husband and I because we do not receive any government assistance and there are times when it comes down to paying a bill to sustain living in our home or buying groceries. We have already cut our expenses and not sure how else to lower our bills to afford the garnishment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation