Consumer complaint received 2019-06-04
Company: Reliant Capital Solutions, LLC
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Reliant Capital Solution. Account number XXXX This is the Debt collector Point of Contact XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX This is the Server who change my deferment date to XX/XX/XXXX Send letters and correspondence to : XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX Send Credit Disputes to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX My current service provider. 
They have consolidated my loans XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX XXXX Thank you and I greatly appreciate your assistance concerning this matter. I truly regret being in this situation and I am hoping to resolve this issue as soon as possible. 

I was under the impression that my deferment date would conclude XX/XX/XXXX I have written correspondence from XXXX XXXX XXXX that shows my deferment would conclude XX/XX/XXXX My XXXX XXXX XXXX account was in General Forbearance from XX/XX/XXXX through XX/XX/XXXX with repayment starting XX/XX/XXXX As of XX/XX/XXXX our records indicate the account is current and not in a delinquent or default status. 

My name is XXXX XXXX, and I live in XXXX XXXX Alabama. I am trying to resolve an emergency issue. I have a student loan issue with the U.S Department of Education, XXXX   XXXX XXXX, and XXXX XXXX XXXX. As a Military Veteran and a XXXX   XXXX  worker, I know I qualify for a Public Service Loan Forgiveness program. I am currently in the program with XXXX, they are my service provider. Because of an error of some sort, XXXX XXXX XXXX sent SOME of my federal student loans to the XXXX XXXX XXXX and flagged them as delinquent account. I have email correspondence ( I will attach with this email ) from XXXX XXXX XXXX dated XX/XX/XXXX that CLEARLY show, when I attended XXXX XXXX at XXXX University ; the school notified XXXX   XXXX XXXX that I was a student and I was NOT delinquently. I was currently enrolled in school as a XXXX XXXX student. Also, in the notification, it states that my U.S. Department of Education and XXXX XXXX XXXX Deferment date began XX/XX/XXXX and the end date is XX/XX/XXXX. I graduated from the University of University of XXXX XX/XX/XXXX and a prior deferment date of XX/XX/XXXX. Because of my current school enrollment at the time, my deferment date started over and it changed my end date XX/XX/XXXX per an official letter from XXXX XXXX. Up to this point my student loans were not delinquent or in default. I did NOT receive any letters and or telephone calls stating that my loans were in default. I requested and I asked for all of students loans be placed in a repayment plan month before my end date of XX/XX/XXXX. I am an honorable man, I tried to do the right thing and request a payment plan to start paying back my student loans. I have written and email correspondence to verify correspondence from anyone. I want XXXX XXXX XXXX, the Department of Education and the XXXX XXXX XXXX  to honor my deferment date for XX/XX/XXXX. I would like my student loans to be taken out of collection and put in good standings so I can have all my loans consolidated and put in public loans service forgiveness program that I am currently in with XXXX. I requested ALL my student loans to be consolidated. I was assured that ALL OF MY student loans were consolidated, but as of Friday XX/XX/XXXX, I was made aware that I owe student loans, my whole income tax refund was taken. I waited almost two weeks to get it and the whole refund was taken away. I have proof from the Department of Education that my repayment date was XX/XX/XXXX. I have a daughter in XXXX   and XXXX daughter in the XXXX XXXX in XXXX and XXXX children in XXXX XXXX XXXX. I was looking forward to sending my daughter to the XXXX XXXX program this summer through the XXXX XXXX XXXX XXXX XXXX. ( official invention letter is attached to this email ) My daughter was invited to represent XXXX XXXX XXXX XXXX with this program. This is a great honor for her and we are so proud of her. She is very excited to attend this program, but now we dont have the money to send her. As a father, I want to be able to send her for her grades and hard work in school. I also would like the, U.S Department of Education, XXXX   XXXX I want to s Services, and XXXX XXXX XXXX to send my updated information to ALL THREE MAJOR credit bureaus removing ALL NEGATIVE information dating back to XX/XX/XXXXOFF my credit report. This fraudulent and wrong information is destroying my credit rating. I did the honorable thing in trying put my student loans in a repayment plan MONTHS BEFORE IT WAS DUE. I was NOT aware that ALL of my student loans were NOT in repayment. I am in desperate NEED of your help and support. I am forward this letter to my other state reps as well. I can provide proof on request. I look forward to hearing from you soon. 
I also attached is a cease and assist letter from my Attorney to the Debt Collector. Attached is my deferment letter. 


Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief