Consumer complaint received 2017-10-02
Company: COAST PROFESSIONAL INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had repeated contact with coast professional and they do not stick to the truth or their word. Even while paying my agreement payment since XX/XX/XXXXthey deny receiving the payment and have notified me they are garnishing my wages, tax returns, other servicers are contacting me that they are garnishment offset federal etc.

I send notice to usdept of ed and the ombudsman to overlook and intervene, requesting coast to honor the payment and agreement and not abuse the system, by not showing my payments in their collections notices. Further they lie to us dept of ed because ed writes back and tells me to contact coast to GET an agreement. I already have and agreement and I pay for a year now.

In addition I had a letter with a form for me to fill out again to enter a new agreement.

this is unfair and deceptive and very stressful to me. i have not slept and my XXXX XXXX XXXX XXXX. very XXXX. unable to think straight. i ca n't borrow to go back to school, credit ruined. i was ill and still am ill from car accidents and have been forced by the financial aid officer at the XXXX XXXX XXXX college to sign a letter stating i promise not to get sick or XXXX. how can one promise the future of their health like this? further, i was on unemployment when i qualified for the work tuition assistance with the college. however the college dragged the situation for 2 yrs, causing my unemployment to run out and i struggled to keep up with an older computer. the school had technical issues and i was locked out of the classes with tech issues. of the 4 classes for the whole semester i was able to log in to one class most of the semester, one class a few times and the others not able to get in. so no matter what i did or complained about it did n't matter. i thought my adviser was helping until she was communicating directly with the financial aid director XXXX XXXX who is the very same who delayed my fafsa for 2 yrs, claiming she did n't know how to process my application. and since i had been given a discharge inXX/XX/XXXXfor medical reasons, she told me I was n't eligible. however, i was told and confirmed both from us dept of ed, the ombudsman and the previous school i had taken courses at that all they had to do was check off a box and i was able to take the courses. now this coast is so so so aggressive and dishonest in their dealings that i am ready to fall over. i am ill and qualifiy as a XXXX, but have tried so hard to keep myself going. but it 's nt working. the courses at XXXX XXXX were online line, 4 classes full time. it has ruined my credit, no course credit and nobody at the school is behaving honorably. and today nobody is willing to listen to somebody who is a " student '' who needs financial aid and has financial difficulties. they just treat people unfairly and it 's our student loan money that 's paying their salaries. rich people are n't going to the XXXX colleges they are at higher schools paying cash.

very deceptive and i am strssed fighting a foreclosure unethical behavior by XXXX XXXX XXXX  pulling similarly deceptive actions. need your help to intervene with coast and apparently XXXX who also wrote and indicated garnishment. i told hem i had food stamps and fuel asisstnace and yet they just bombard me. please assist

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