Consumer complaint received 2017-06-07
Company: Immediate Credit Recovery
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I noticed that my paycheck was short {$220.00}. After speaking with my HR dept. I realized that I was being garnished for my student loans. I called my student loan servicer, the US Department of Education. They told me that since I was in default they transferred my accounts to a debt collect called Immediate Credit Recovery , Inc. So I contacted Immediate Credit Recovery. A represented answered and as soon as I mentioned that I was being garnished I was placed on hold and blind transferred to their garnishments department. No one answered so I had to leave a voice message that went to a general mail box. When no one returned my call I called them again the next day. The next day XX/XX/XXXX I spent my entire lunch hour and even ended going over by 45 minutes trying to get someone to discuss the situation with me. To make a long story short I called 4 different times. Each time the rep that answered would just transfer me directly to the garnishment department and no one in garnishments ever answered. By this time I was extremely upset and I called my original servicer, the US Department of Education. I asked to speak with a manager and I made a complaint letting them know that their sub-servicer Immediate Credit Recovery , Inc. was not returning calls and that no one in the garnishment department was available. on XX/XX/XXXX after many more days of trying to get through I begged one of the reps to walk over to the garnishment department to see if they could get someone to talk to me. That worked. I spoke with a woman in the garnishment department who was pleasant and told me about the loan rehabilitation program. She told me that she would email the info I needed to get started and that I needed to set up the initial payment over the phone with her. I told her that I would call her back with the debit card info later that day and that I would wait for her email. I never received her email and I was never able to get a hold of anyone in the garnishment department ever again and it has been several months. The garnishment rep told me that the 1st date of my rehabilitation plan would start on XX/XX/XXXX. And that I needed to make sure that I got my 1st payment in on that date. ( Mind you the whole time I am still being garnished a total of {$430.00} per month. ) But I digress. So on XX/XX/XXXX I attempted to reach Immediate Credit Recovery, Inc. for hours while NO ONE answered at all. I decided to call my original servicer again to complain. My original servicer ended up having to take the payment from me. Today is XX/XX/XXXX and I am still being garnished and Immediate Credit Recovery , Inc. is still not returning the voicemails that I leave on a daily basis. The one and only lady I spoke with in the garnishment department told me they are not allowed to call me, that I need to call them only. But yet their voice mail states that someone will get back to me and no one ever does. Plus the customer service reps state that they can not give me any information about my account because my account is with the " garnishment '' department. PLEASE HELP. I am a brand new single mother to a XXXX XXXX XXXX XXXX XXXX who 's not getting child support. I can not afford for {$220.00} to be taken out of my check on a bi- weekly basis.

Company response to consumer: Closed with explanation