Consumer complaint received 2017-04-27
Company: IQOR US INC
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Initially  XXXX  forced me into default by delaying the processing of my valid renewal application for income based repayment, which I had qualified for in previous years.   Overnight, my required payment ballooned from {$120.00} to {$800.00}, which I could not afford, as I was still unemployed, having been the victim of a fraudulent school  (   XXXX   XXXX   ).  Once my student loans were in default, I was no longer able to negotiate an affordable payment, nor am I able to consolidate any of my loans or lower the interest rates. As a result, I now have multiple student loans in the amount of over {$100000.00}, which is more than double the amount I originally borrowed, with interest rates ranging from  11 to 6 perce nt.     Recently,  XXXX  notified me after the fact, that they had intercepted my state tax refund, without providing any information about how to recuperate the refund while the debt is being disputed.  XXXX  has kept my loans broken up into at least  XXXX  different loans, each at a different interest rate, and I have no control over which loan the intercepted tax refund will go to pay, which means that  XXXX  can put the intercepted funds to their advantage by applying it to whichever of the loans they prefer, to extend the term and amount of my debt.  XXXX  has also sent letters to me indicating that any failure to reply in writing within 30 days constitutes a waiver of my opportunity to contest their claims, which violates the  The Fair Deb t Collection Practices Act prohibition against construing the failure of a consumer to dispute the validity of a debt as an admission of liability in section  809 c.      For the past few years,  Allied Interstate , Inc. acting as  a debt collection agency for  XXXX , has repeatedly violated my rights under The Fair Debt Collection Practices Act. I have been harassed with daily phone calls from  Allied Interstate Inc.  at all hours in the early morning and late at night which is a violation of section  805 a. 1. I have been contacted by Allied Interstate from the same phone numbers with which Allied Interstate has contacted me legitimately, wher  e the caller refuses to identify themselves and refuses to identify their employer, which is a violation of section 804, part 1. These phone calls have involved the caller illegally communicating to the unidentified person receiving the call that I owe a debt, using my name, which is a violation of section 804, part 2. These phone calls also involve disclosing the existence of my debt with third parties, including my friends and family, a violation of section 805 b. These phone calls have disclosed my personal information to the unidentified recipient of calls, including my full name, my home address, the name of my bank, my date of birth, and the school I attended, which could easily lead to the theft of my identity.

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 non-monetary relief