Consumer complaint received 2017-02-20
Company: COAST PROFESSIONAL INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been dealing with coast professional Inc for eight months trying to get a payment plan for my student loan during this time I have spoken to numerous people at coast and have been told different things from every one of them, I set up a payment plan of XXXX until late they got the financial disclosure for rehabilitation paperwork which I sent in. After not hearing from them for a month I called them talked with another person who said they did n't get my paperwork, so I sent it in again and called back to make sure they got it they said yes and they would send me my payment amount after they went over my monthly financial burden, did n't hear back from them for a month so I called them back talked to a different person that said I sent them the wrong version of the financial disclosure package and I would have to fill out the right version and resend it, which I did, called made sure they got it and waited again for them to send me a repayment amount still did n't hear back from them but I got a letter from the department of education that they were going to garnish my wages. I called coast again to find out what was going on since I was paying a payment every month why were they garnishing my income they said I missed a payment but I could make it up by paying two for this month which I did and asked why I have n't heard back about my rehabilitation paperwork the person said there was not a release on file so they could call me and I would have to talk to a different department they transferred me that department where I spoke to XXXX said there was a problem with my paperwork and I needed to resubmit it with a letter stating that I gave them permission to call me so I did for the fourth time called back made sure they got it and it looked OK spoke to XXXX she said looked good I should get a payment amount in a few days and they could release the garnishment as soon as they got the signed copy of the repayment plan back, I got the package with the paper work on Friday signed and put it in the XXXX box for shipping back to them called to tell them I sent it back and spoke with XXXX told her I had sent back the agreement and when the garnishment would be released and she told me after I make five payments, I told her that I have been making payments and have made five payments and the person I spoke with before said as soon as they got the repayment plan back they would release the garnishment she said that was not correct that I had to make five payment of the plan agreement which is not what I was told. So I have been dealing with coast since XX/XX/XXXX spoken with six different people been told six different things, paid payments that did nothing to help my repayment agreement, have a garnishment they are taking out every payday and they want me to still make payments for five months I can not do. This company has lied to me for eight months taken money they knew would not count for anything and mislead me in the way to rehabilitating my student loan now I have no recourse but to pay a garnishment that should not have happened because I ca n't make loan payments and pay a garnishment at the same time, this is a system that is set up to fail. Anything that you do to help would be greatly appreciated I 'm sure that other people are going through the same thing with this company, they are doing the same thing as XXXX the company that you currently have a lawsuit filed against.

Company response to consumer: Closed with explanation