Consumer complaint received 2017-08-21
Company: Brelvis Consulting, LLC
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First let me preface this complaint with a history of how this all came to be. XX/XX/XXXX I completed paying off a Chapter XXXX   bankruptcy, and received the final discharge in XX/XX/XXXX. Around XX/XX/XXXX I received notices from XXXX XXXX welcoming me back and reminding me of my student loan payments which would be starting up, and approximate payment, and if any changes in income let them know. So since my wife is in custodial care in a XXXX home and I am on fixed income of Social Security, Federal retirement, and 50 % XXXX XXXX. My wife 's income goes to the XXXX home. I filed the paperwork and waited to hear. In XX/XX/XXXX I received a phone call from someone named XXXX XXXX to talk about student loans and repayments. She appeared to have my records and did discussion of consolidation ( I was paying payments on loans which had been consolidated since XX/XX/XXXX, and my payments were up to date until I received forbearance and deferment. I said I do n't believe that was necessary but she told me oh, if we get your loans from XXXX then they reconsolidate them. Now, bear in mind I was under the impression I was talking to 'XXXX XXXX ' or XXXX XXXX. Then I was told they would take {$50.00} a month to handle paperwork or {$990.00} total. I did n't know if XXXX set this up, if something new, but I did n't want another bill on top of my student loans, since that would be one third of income and leave me stranded for rent and living expenses. So I paid with my debit card and noted " The Student Loan Help Center '' and they were adamant about me recording something about the payments. So then they emailed required documents and one which stood out was 'a limited power of attorney ' to allow them to handle my financial accounts to work out payments with XXXX XXXX XXXX I called my bankruptcy lawyer for advice and he called it a scam. I called XXXX XXXX and the rep told me to contact the XXXX Attorney General, and XXXX XXXX XXXXl, change my card, and notify my bank. Now, they granted provisional credit but said they had seen the merchant was in the right. Really? A phone call and payment suffices over a bank customer? I imagine they did as much checking as seeing any coffee left in the pot. So XXXX returned the provisional credit and they lived happily ever after. In the meantime, I want to know how this front cover for Brevis consulting  had my student loan records. Were it not the timing of waiting on my bill from XXXX XXXX this company would have never gotten a dime. I have dealt with student loans since XX/XX/XXXX and no charges have ever been required. Even my consolidation fees were rolled over. The fact is, this is a third party organization fleecing people who believe they need help in taking care of student loans. At a cost. So I paid a hefty sum ( if you compare ratio of payment to debts ) and no recourse. The AGs will go blah, blah, blah, but nothing accomplished. I want to know how my records were obtained, sitting there and spewing off my accounts, doing a conciliation on loans that had already been done, and these people have n't done anything since they do n't know the first thing about forbearance, deferment, oh, and they sent my file for no payments. Well, if you have been public service ( I think Federal employees did plenty of public service ), but the point is you have to pay at least 10 years of payments before you qualify for forgiveness, point being these 3rd party personnel do not know what they need to know. So, basically, what money I managed to save, since I ca n't work with XXXX and XXXX XXXX, so I am limited. But these XXXX get to go about the business of taking advantage of charging people for something that is free.I want my money back, and I want those 3rd party shops closed. You try and pay your loans and these people come along, misrepresent themselves, and when accosted, it is like too bad!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation