Consumer complaint received 2019-09-16
Company: Performant Financial Corporation
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 I received a letter in the mail that premier credit llc which is owned by XXXX was now in charge of my student loans. Which XXXX knew I was on XXXX from my job and not having any income they said it was put on hold. Premier credit then threatened to Garnish all my wages including my XXXX insurance which I am only living on with my children. Then when I explained to them I didnt have any Extra income I was advised to go hungry I asked for a new representative second representative put me in for the five dollar payment plan wanted complete disclosure on all my XXXX paperwork which is federally protected underneath the Hyppa law. Then they told me what we can do the five dollar a month payment for 10 months to put my loan back into non-default status as they had had it for 120 days before contacting me. I said fine whatever will do the five dollar payment. I sent a proof that I was receiving extra income I was advised to go hungry I asked for a new representative second representative put me in for the five dollar payment plan wanted complete disclosure on all my XXXX paperwork which is federally protected underneath the Hyppa law. Then they told me what we can do the five dollar a month payment for 10 months to put my loan back into nondefault status as they had had it for 120 days before contacting me. I said fine whatever will do the five dollar payment. I sent in the proof that I was receiving XXXX payment only which was just a paystub thing from the Usps XXXX. Then they sent me more paperwork via email and be a US post office This time change in the amount of five dollars to {$50.00} per month for a term of six months for it to go up to {$170.00} for the next four months after that and they incurred their collection fees which is the same company they just transferred it to a different department adding another another {$5000.00} to the debt when I called and question them about it they said it is 100 % legal that when transferring it from one portion of the company to the other portion the company they can charge up to {$10000.00}. They have also contacted my grandmother theyve also contacted my grandfather who both are in their late XXXX and who can not undergo the stress of the calls daily three calls per day to their house and their cell phone and theyre also contact him myself for upwards of 50 times per day I do have all their numbers blocked I told him only for the communication was to be via mail which they can not understand and still I get up to 50 calls per day and I do have all the numbers blocked to my phone one of three calls leave a message the rest of them I do have a paper trail proving all the calls which is on which is complete harassment theyve called me on Saturday after XXXX XXXX theyve called me on Sunday beginning at XXXX XXXX  I have calls as late as XXXX XXXX Monday through Friday and calls as early as XXXX in the morning Monday through Friday this needs to stop I agreed on the five Dollar plan which was the only thing I can afford without taking gas money from my XXXX that Im supposed to be going through XXXX XXXX along with paying for a place for my children to live and my children are not going to go hungry to pay this bill I dont care what they think is legal but threatening to garnish every ounce of my wages and threatening to basically sees my property which is the only thing I own is my house and its worth maybe {$500.00} this is not legal and I know Im not the only person there doing this to

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