Consumer complaint received 2023-01-30
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good afternoon, I am submitting this complaint based on the events of Friday XX/XX/2023. On this date I continued to receive multiple calls from Discover Student Loans ( DSL ) regarding a payment due of nearly {$2600.00}. I am aware my co-signer was receiving the exact same numerous calls for the exact same collection amount for nearly {$2600.00}. I am also aware that my co-signer advised Discover Student loans ( on their recorded lines ) that they, DSL were placing my job in jeopardy and please do not call her, me again but to only call my co-signor. DSL said no that we have separate accounts. However, it is the same student loan account for the exact same collection amount they were calling each of us on. My co-signer believed that it was for my safety that I had my cell phone on at work. While safety is one very important reason for me the other significant reason is that I use my personal cell phone for work. Often times I was on XXXX meeting at work when I would receive multiple calls from XXXXXXXX XXXX  - DSL during the business day that would appear on my screen while my team leaders or co-workers were speaking, and for all to see. It was humiliating and disruptive. During these work meetings I participated in my supervisor leading the meeting would often interrupt our XXXX  meetings and turn the focus upon me to ask if I needed to address the matter that was urgently and repeatedly calling me which was clearly unrelated to my work. It was terribly embarrassing. I felt such shame each time it occurred. I have been warned at work no personal calls. The DSL calls created enormous XXXX for me. On Friday, XX/XX/XXXX one day after DSL received notice not to call me, they continued to call me throughout the day while I was at work. My co-signer received NO calls that day. I did contact DSL on my commute home and when the DSL representative began to speak after being advised I was on a recorded line, and they were attempting to collect a debt. I asked what I owed. According to the DSL rep I spoke with it now exceeded it {$2600.00}. I asked what this amount represented? The DSL rep advised for XXXX and XXXX. I informed her XXXX was not late and XXXX was not due she replied : " I really don't know myself ". I will check, could you please hold on. I tried to hold on the line, but my train arrived, and the line disconnected when I boarded. DSL continues to call me. DSL was calling me continuously to collect a payment for XXXX ( not late ) and a payment not even due for XXXX. The collection practices of DSL are unfair. The reporting negatively to the credit bureaus is wrong. The rates that DSL gave me was the rates I " qualified for '' by DSL and they presented me the loan contracts to sign. I feel that my rights as a consumer do not exist. I believe I am a victim of predatory lending and bad faith practices. I do not understand why my loan, a private loan has no rights according to the laws and will allow this company DSL to victimize me. I do not even know if DSL held the interest rates properly on my account from start of pandemic to current day. I hope you can help. DSL has caused harm to my quality of life. DSL has compromised my employment without regard or respect for me as a woman, a person, their client. Thank you for your kind consideration and help.

Company response to consumer: Closed with non-monetary relief