Consumer complaint received 2016-04-03
Company: Delta Management Associates, Inc.
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Hello, I 've had a XXXX XXXX XXXX loan in default for a few years. I was never contacted about this specific loan ( all of my other loans are in good standing since they stayed in close contact with me ). I had successfully defered my other loans since I 've been abroad and unemployed, but somehow I never once heard about this XXXX loan until I applied for financial aid again to finish my last year of school and was rejected. So I contacted the collection agency that my loan was sent to : Delta Management Associates. I tried to set up a rehabilitation program but they only withdrew money from my account once. After around two months, I was asked for the same documents again without any explanation ( and I sent them without ever hearing from them again XXXX and then no more payments were ever taken from my account and they never contacted me again. I 've emailed the manager and XXXX employees there several time to ask what happened ( I have proof of these emails and it 's how they corresponded with me before because I am abroad ) and I have n't been able to get in touch with anyone there. I asked several times to send it back to the original lender so I could pay it off IN FULL without he collection agency 's very high interest rates ( I can afford to pay the loan but not the interest they tacked on ) or I asked for the loan rehabilitation to continue and asked why it stopped. In total, I 've sent about XXXX emails without zero response and I tried contacting default resolution at XXXX but was given different phone numbers and sent in circles. It seems no one is willing to help me. 

I have been trying to go back to school to finish my last year since XXXX 2014, but it 's impossible to get financial aid without this issue resolved. I 'm very desperate to complete school and I would like to go to grad school abroad. I ca n't get a hold of the collection agency Delta Management and they have not bothered to respond to me once. I 've asked XXXX for their advice and they said to lodge complaint and see if I can get the loan sent to the original lender or different agency to pay off immediately ( as long as I do n't have to pay high rates for agency 's fee since they are about an additional {$1000.00} ). They said it was also possible that the loan already went to another agency. So I tried to track it and was told to contact XXXX XXXX XXXX XXXX in XXXX as the XXXX XXXX. So I tried to look up their information to find out that they are permanently closed. 

Besides this, I was never once contacted about this loan for years until it was too late. I found other students that attended XXXX XXXX XXXX who had this same exact problem with this same exact loan ( zero contact and then defaulted ). So I am obviously very concerned about this and do n't know what my next step should be. I was thinking of getting a lawyer but I thought that could prove to be difficult as I am abroad and if it would really be worth it in the end. I 'm just looking for better solutions.

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 explanation