Consumer complaint received 2019-10-25
Company: Higher Level Processing
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I reached out to this company by the name of higher level processing on XX/XX/XXXX about consolidating my student loan debt because I saw them advertised on XXXX. 

I spoke with them extensively and they told me that they would consolidate my student loans and I would have to pay almost {$800.00} in order for them to process my request to do so I gave them my credit card information And they told me that once they verified all of the information that I gave them they would set up my account and process my request. Also, I would have an automatic debit taken on XX/XX/XXXX. After that I received several notifications via text that my process was not yet set up because pieces of information were missing for verification, and I never gave them that information. So per their text advisement, I assumed that the service would be canceled because I was also advised via email that I would receive notification when everything was processed. 

On XX/XX/XXXX they attempted to debit my bank account by {$180.00} and of course it declined because those funds were not available and to my knowledge I had never had my process completed because I never received any notification. The last correspondence that I received from them was on XX/XX/XXXX advocatingThe world key me know when everything was done. 

I spoke with somebody immediately once I receive the notification and I told them that I did not want their service because I was already set up with XXXX XXXX for a payment plan.That person advised that per my request my services were noted to be canceled. I then received several more calls from the same company and I advised Once again that I spoke with someone earlier and cancelled my services and she said that she saw the notes and everything was fine. 

And then I received another call from someone by the name of XXXX and she advised that I would be Responsible for the {$800.00} regardless. I told her that my student loans were already in collection and I already had something set up with XXXX XXXX so I didnt need them. 

I received more harassing phone calls today on XX/XX/XXXX from the same company and I spoke with XXXX again and she said that I would be sent to collections because I owe XXXX the student loan company the money to consolidate the student loans. 

I then told her that she can cancel my services and I spoke with 2 other people the day before and told them to do the same thing. She insisted that I would be sent to collections per the XXXX   student loan company. I called XXXX and I spoke with a woman by the name of XXXX and she advised me that not only are her service is free and I dont owe them any money, but because I have not yet processed a repayment plan for me i dontEven have a balance with them yet. They have consulted all of my XXXX XXXX debt. 

This was not communicated by higher level processing. 

Also, she advised that they did not give her the correct contact information for me. Instead of giving Them my correct mailing address they gave them their office address so I had no way of receiving any correspondences that were sent regarding my student loan repayment this is fraud and I would like for this company to be investigated immediately and I would like for their harassing phone calls to stop. 

theyre located in California

Company response to consumer: Closed with explanation