Consumer complaint received 2017-02-21
Company: F.H. Cann & Associates, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I entered into a income based repayment agreement with F.H. Cann & Associates , Inc. on XX/XX/2016 for a monthly voluntary payment of {$38.00}. 

To date, I have honored this agreement and have been " on time '' every month in paying by the XXXX day of each month directly from a specific business bank account, as it is reasonable and affordable for me. All pre-authorized payments to date except the XX/XX/XXXX payment have been processed - which I noticed said usual amounts have not been debited as they had in the past. 

I have not received a written notice of changes to our agreement, and, have now been sought on my mobile phone [ which I use for work ], and, the main line phone number to my business during regular business hours by agents of F.H. Cann & Associates, Inc. 
This practice now begins to adversely effect my state of mind at work and the business flow of approximately 5 other individuals. More specifically, the agents calling my employer have asked for me at times I am conducting important tasks or timely projects and speak to others without regards to my privacy as to where they might fax, email or send a wage reduction form. 

In the initial contact period with F.H. Cann & Associates , Inc., I did have faith they may be able to assist me in rehabilitating my federal student loans. They convinced me my affairs would be handled on a professional level with my best interest in mind. Two months ago they began to apply pressure for me to sign a separate and new terms and conditions agreement with language referring to " collection of fee up to 16.0 % of the outstanding principal and interest balance then due on my loan ( s ) will be added up on conclusion of this Agreement and purchase of my rehabilitated loan ( s ) by an eligible lender. '' I have yet to determine what more I can do to comply honor my responsibility to what I 've agreed but know my original federal student loans have rates under a 5 % interest. 

I have advised F.H. Cann & Associates , Inc. of my on-going involvement in debt counseling through my Attorney, XXXX XXXX. And, they are well aware I am considering personal bankruptcy only because of outstanding medical bills due to a XXXX, whereby financial constraints within the past 10 years were compounded by a long-term employment lay-off. This episode of my life rendered my personal financial affairs a disaster that also caused me to cash in a 401K to care for myself and a dependent child. 

I have asked F.H. Cann & Associates , Inc. for their consideration of all communication with me to be conducted by telephone after XXXX EST., to which they have not complied recently. There is no clear line as to why F.H. Cann & Associates , Inc. now comes at me with such aggression with obvious disrespect for my personal business matters. I now think of F.H. Cann & Associates , Inc. agents as being far more seriously dangerous to my mental health as their intentions seem to have taken a turn for the worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation