Consumer complaint received 2019-05-07
Company: National Credit Services, Inc.
State: NY
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:
Re : Discharge ( XXXX ) and XXXX XXXX. 

From the above heading XX/XX/XXXX I was eligible for social security XXXX Insurance and my next review date was determined after 8 years. XX/XX/XXXX and now XX/XX/XXXX. 
I have now attached the Certification -completed section 3 and had a physician sign. 

I have written to XXXX, recovery and National credit and XXXX XXXX Asking for Debt validation from XX/XX/XXXX and have not received anything from XXXX verifying the debt. 
I also asked for a previous statement of all payments that was transferred before they took the loan. 
I have proof of payment from XX/XX/XXXX until XX/XX/XXXX. 
As I was eligible for social security XXXX insurance from XX/XX/XXXX. 
I had previously applied for Forbearance in the month of XX/XX/XXXX. 
XXXX was deceiving ( me ) borrower, misallocating payments and steering me into costlier forbearances rather than income-based repayment programs. 
Deceptive Trade Practices Act, and the Nebraska Consumer Protection Act through increasing revenues by moving accounts of borrowers into forbearance or deferment To move my account to forbearance accommodated a delay in the processing of my renewal application, and violated the NW YORK Unlawful Trade Practices Act, the Nebraska Uniform XXXX fraudulently, deceptively, and illegally advertise, market, offer for sale, sell, and finance student debt relief services to thousands of consumers nationwide, including thousands of New Yorkers. 
I informed XXXX of my social security XXXX insurance from XX/XX/XXXX and mailed them several Copies via certified mail and registered mail. No Reply on documents to verify the loan and balance. 
In spite of knowing they still pursued the collection by forwarding me to XXXX XXXX and National Credit for a loan that they claim was in default. 
I got calls several times a day and on a Sunday from a local number XXXX XXXX and told the supervisor that I had sent documentation to XXXX on my discharge XXXX ( XXXX ) but pretended They had no file and was returning the case back to XXXX its on a prerecorded line. 


My loan was {$8500.00} and {$7600.00} was credited and the last offset payment of XXXX received on XX/XX/XXXX 
In XX/XX/XXXX they offset my account from XXXX social security funds of {$780.00} In XX/XX/XXXX they offset my account from XXXX social security funds of {$650.00} Come back in XX/XX/XXXX and take out from my XXXX social security funds {$480.00} From XX/XX/XXXX to XX/XX/XXXX I have paid the loan totaling {$7600.00} and they still try to use Ways to garnish my social security and tax loopholes. 

XXXX  cancellation of this income-based repayment plan is a common and pervasive practice conducted by employees of this company. 
XXXX profited by this practice, known as " recycling, '' by referring me to other agencies knowingly that I was on permanent XXXX and had my review date after 7 years. 

I tried very hard to pay my loan but due to unforeseen circumstances I am permanently XXXX now. 

Best wishes XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation