Consumer complaint received 2021-11-23
Company: ORO OC, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In between the months of XXXX - XX/XX/XXXX, I became enrolled in what I was led to believe was a student loan forgiveness, Revised Pay As You Earn ( XXXX ) program by way of EduLoan Servicing, in which my " account '' was later sold to XXXX, unbeknownst to me. Almost immediately after I completed enrollment with EduLoan, I began receiving multiple emails & phone calls from different people who said they'd acquired my account, and that I'd have to deal with them from now on. I had not, at the time, realize what selling information was, and that it was illegal. 

In XXXX of XXXX, after almost 5 years worth of payments, it was revealed to me by an official representative of the U.S. Department of Education that no such payments were made on my behalf and they did not recognize any such consolidation program by way of EduLoan or XXXX XXXX. Furthermore, the representative revealed that the U.S. Government suspended all student loan repayments for the year of XXXX to commence in XX/XX/XXXX, yet my bank has been charged bXXXX XXXX  XXXX every month in XXXX all the way up through XX/XX/XXXX until my card expired. 

I began receiving text messages from someone allegedly named XXXX XXXX about my card expiration & that they were looking for payment, which struck me as odd because no legitimate business will personally text you. The web link that was sent to me via this person 's email was only set up to receive your personal bank information. No further information was available on the website as to who they were, contact information or anything, only to receive your information. 

https : XXXX ) Once I was able to contact them, I told them I wanted a full refund and was told I wasn't entitled to one UNTIL I told them I was not going to let this situation go and was going to get whatever authorities available involved, possibly including an Attorney General. I told them that I now realize they've been selling my personal information without my knowledge, that the " contract '' was void because no consolidation payments were made to the U.S. Department of Education on my behalf like what was explained to me, only to them every month. 

Only AFTER all of this is when I began receiving open communication from XXXX via email, calls & voice-mail. On XX/XX/XXXX, the supervisor of the representative that was handling my file, explained to me they he would, in fact, refund me only {$930.00} to make up for just 2 years worth of payments that they knew they weren't supposed to be receiving. As of XX/XX/XXXX, that transaction never happened, nor has any further communication been made on they're behalf. 

I am including in this correspondence the initial interactions via email & text messages between myself, EduLoan representative XXXX XXXX XXXX XXXX XXXX, XXXX ' XXXX XXXX, XXXX & XXXX XXXX. I still have the original " contract '' and most, if not, all of the voice recordings over the last few years if needed for further review.

Company response to consumer: Untimely response