Consumer complaint received 2017-10-21
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX : XXXX XXXX XXXX Bar Number : XXXX Telephone Number : XXXX Address : XXXX XXXX, XXXX XXXX, CA. XXXX E-mail Address : XXXXXXXXXXXX I have filed a complaint against XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX. Complaint Number : XXXX. *It appears that as of XXXX/XXXX/XXXX, XXXX XXXX XXXX has disciplinary action pending against her from the XXXX XXXX XXXX XXXX XXXX SUMMARY 1. On the date of XXXX/XXXX/XXXX, I electronically signed a contract with : XXXX XXXX XXXX XXXX XXXX XXXX also referred to as XXXX XXXX XXXX XXXX XXXX XXXX To assist me in lowering or eliminating my private student loan debt ( Student Loans with Discover ) due to hidden fees, unethical interest rates, etc. 2. I was advised on Monday, XXXX XXXX, XXXX, via e-mail communication, to place a bank STOP payment on my Discover Student Loans automatic withdrawal as XXXX XXXX was going to file a Cease & Desist. a. I complied with that directive. My last payment to Discover was on XXXX/XXXX/XXXX. b. XXXX and XXXX XXXX, these 4 loans ( identified as XXXX XXXX XXXX XXXX on my credit report ) were marked 60-89 days late/missed on my credit report. 3. On XXXX XXXX, XXXX, my credit dropped 93 points. a. My father, XXXX XXXX XXXX XXXX soc. # : XXXX ), was a co-signer on each of these loans and may have also been negatively impacted by these late/missed payments. My request is that any negative impacts relative to this case/situation reflected on his credit report be removed as these errors were not fault of ours. COMMUNICATION WITH DISCOVER ( PRIVATE LOANS NOT FEDERAL LOANS ) Telephone Number : XXXX Based on a conversation with a Discover representative ( XXXX ) on XXXX/XXXX/XXXX, there was no documentation in my file that any communication has been attempted by XXXX XXXX or her law firm, with the exception of a Cease & Desist. XXXX assured me that my student loans were still with Discover but in default and they were unable to contact me due to the Cease & Desist to inform me of the matter. She then began discussing payment plan options with me so I could re-start paying on my student loans. - XXXX provided me with 2, and only 2, payment options. I was required to commit to paying {$570.00} per month for the duration of 48 months, OR I was required to pay {$27000.00} dollars in one lump sum. o I told XXXX that neither option was manageable for me and that I needed time to speak with my father re : the situation. Penny scheduled to contact me the following day ( XXXX/XXXX/XXXX ) at approximately XXXX XXXX XXXX. but never called. - I contacted Discover on XXXX XXXX, XXXX, and spent 42 minutes on the phone with at least 3 individuals trying to glean more information from account notes relative to my case and XXXX XXXX involvement. XXXX, a XXXX, refused to give me any information relative to this situation. I have also included a copy of my most recent credit report within this e-mail. Please find it as an additional attachment. Respectfully Submitted, XXXX XXXX XXXX Also I believe as my current field of work is in the field I went to college for : XXXX XXXX for the XXXX XXXX and XXXX This is grounds for a dismissal of student loans under the " Government Forgiveness Act '' I have tried to make a repayment schedule or consolidate my student loans with no avail from my loan companies.

Company response to consumer: Closed with explanation