Consumer complaint received 2017-04-28
Company: ReliaMax Holding Company
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I took out a loan through a credit union in or aroun d  XX/XX/XXXX for  tuition at  XXXX   XXXX    University  in  XXXX  PA. The loan became due 6 months after graduation which   XX/XX/XXXX  as  I graduated in   XX/XX/XXXX . Because I was unemployed I went into forbearance.    However, the servicer kept sending letters demanding the balance due.   In or aro und  XX/XX/XXXX  I  contact the servicer and spoke with a  XXXX   XXXX .  XXXX   XXXX  had been calling me 3 times a day at least 3 days a week regarding the loan.     I retried my loan information from the website and referenced that at no time did I stipulate in any agreement that I would pay an amount they suggested. In addition I pointed out that no where in the agreement does it mention a specified amount.   I set up payments of  XXXX . for the  two accounts  that I have. These are auto pay accounts drafter from my checking account.     I have noticed that at least twice the company has tampered with my account as in removing the auto pay from both accounts then when I reinstate them, they would go and remove auto pay from   XXXX  to   make it seem as if I am not paying my account.   I requested the company to stop calling me on several occasions in writing and over the phone with reps  XXXX   XXXX  and a rep named  XXXX .     As  of  XX/XX/XXXX  I receive d a call from  XXXX  from Reliamax calling me about the loan yet again.   Prior to my answering the   XX/XX/XXXX  call Reliamax has been calling me from numerous numbers in South Dakota, Florida and  other locations. No messages are left as they were before the requests were made not to call me. This tells me that the company is aware of my request in writing and verbally to cease the calls.     I currently have about  9 saved  voicemails from  XXXX  still on my phone where he called me consistently on a daily basis.     My telephone bill reflects the numbers if times Reliamax has called me before and after I made the request and shows the frequency is still the same.     I believe that through their refusal to honor my request  and demand not to be called as well as the tampering on the account, that Reliamax is   intentionally trying to harm me.   When  XXXX   XXXX  and I spoke last, I faxed her the copy of the agreement that I have and requested from her a copy of the agreement showing my signature and the specific amount that I agreed to pay in monthly installments.      XXXX   XXXX  never responded.  XXXX  also never responded and  XXXX  advised me on the call taken on    XX/XX/XXXX  that the contracts do not reflect the language that specifies borrowers agree to pay a certai n   amount.     I feel that Reliamax is intentionally harassing me.   Regarding my auto pay, I have it set up on a continuous basis and unless I change it which I have not, the company should not be going into my account and turning off payments in an effort to assert a claim that I am not paying which is what I believ  e Reliamax is doing. As I stated, this has occurred twice with them regarding my payments.
In addition Reliamax is inflating the actual debt by first ass  igning an unagreed upon amount of repayment to the loan, then assessing fees and penalties on that amount, then raising that amount to include previously assigned fees and penalties and assigning more fees and penalties.     I make  XXXX . payments o n two accou nts each month which is what I can afford.   Per the call with  XXXX  on   XX/XX/XXXX  h e stated the call was to advise the  one  account was in default and the total amount is due. He did not specify the total amount due during the call. He also stated there was no record of my request not to call. This lets me know that neither  XXXX  nor  XXXX   XXXX  adhered to my demands over the phone and that Reliamax ignored my demands in writing.     Requests for information from  Reliamax  have gone unanswered as well. Per  XXXX   XXXX  all documents pertaining to my accounts are online and available for me to view. Ironically the letter sent to Reliamax via fax requesting proof I agreed to pay their suggested amount in which I highlighted portions of the agreement and responded accordingly is not on the website.   A request for a copy of that document also went unanswered.

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