Consumer complaint received 2020-03-17
Company: Immediate Credit Recovery
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To Whom This May Concern, My tax return was taken and given to the department of education without prior. One rep said then sent it to my current address, one said that they sent it to past address. I never got the notification to set up a payment plan or else I would have! I am in significant economic hardship and about to be homeless with my XXXX kids .... but because my mother will not file a court order eviction they will not let me process the form to get my income tax reimbursed. 
From XXXX to XXXX I was in an XXXX  marriage and kept isolated by my former husband, suffering greatly until I had to emergently evacuate the state of XXXX  XX/XX/XXXX due to XXXX  XXXX  by my ex-husband and fear of bodily harm for myself and my children. In this move I lost everything including most personal belongings, household belongings ( washer/dryer/bed/dressers/refrigerator, etc ), and home. I was forced to temporarily move into my mothers house with my XXXX children and stay with a friend on weekends/holidays to decrease stress and burden on them, until we could afford to find a house to live in. In addition, defaulted on my mortgage in XXXX  which was finalized XX/XX/XXXX. The XXXX  XXXX caused significant XXXX XXXX XXXX XXXX for myself and XXXX out of the XXXX children, symptoms ranging from XXXX XXXX   and XXXX  of XXXX, XXXX  XXXX  and XXXX, difficulty with XXXX  at home and work, XXXX  XXXX, and XXXX XXXX, making staying current on paperwork and necessary documents very difficult let alone trying to work and take care of XXXX children ( XXXX with XXXX XXXX, one having XXXX XXXX ). 
Since being back in XXXX for the past 8 months I have fought the harassment and menacing from the ex-husband requiring police investigation, police reports ( Case # XXXX ), and after a long exhausting process of being awarded a protection order by the XXXX County Court of Common Pleas ( Case # XXXX ). Being a XXXX  XXXX survivor, single mother of XXXX without child support, and having XXXX XXXX requiring XXXX XXXX, multiple appointment and XXXX XXXX, and low income has caused a huge financial strain. We currently receive food assistance ( receiving around {$250.00} in Snap benefits requiring me to pay over {$800.00} out of pocket expense for food to provide food for myself and children ) and Medicaid through XXXX County Jobs and Family Services, has left me unable to afford the cost of living and permanent/stable housing which is greatly needed. 
Having my income tax return taken and paid to past student loans has left us with a significant financial burden, I was depending on that money to afford living expenses and necessities for raising XXXX children on a low income. I have followed the recommendations of setting up a payment plan of {$5.00} per month through ICR ( Immediate Credit Recovery , Inc ) based on my income and expenses and have been current on this. I will continue these automatic monthly payments. 
I am requesting that you see how the financial strain affects myself and my children and hinders the ability to afford housing and bills, pay for XXXX XXXX for myself and children that are not covered by government assistance, that are necessary to live and require the reimbursement of my income tax return in order to do so.

Company response to consumer: Closed with explanation