I have detailed my very dismal association with XXXX XXXX, a/k/a XXXX XXXX XXXX, a/k/a Kentucky XXXX XXXX XXXX, a/k/a XXXX XXXX XXXX, a/k/a XXXX XXXX XXXX XXXX surrounding Access Groups unwillingness to work with borrowers and their arbitrary decision to declare my loans in default. I have documentation of all encounters listed below. 

I have 99 % of correspondence from Access Group since my first loan in XX/XX/XXXX. 

I also have all proofs of payment to XXXX XXXX. 

I have numerous credit reports and letters denying credit because of Access Groups decision to not work with me during times of extreme financial hardship and emotional strain. ( This damage to my credit goes back to XX/XX/XXXX. ) I also have voice recordings of messages from XXXX ( a XXXX XXXX ) see No. 37. 

I can send you all of the above documentation if requested to do so, as well as documentation of the following incidents. 

1. XX/XX/XXXX I applied for a forbearance with XXXX XXXX XXXX, a/k/a Access Group. If they could have made it more difficult, I dont know how. 

2. On XX/XX/XXXX, I received confirmation that my forbearance had been approved!! It took almost four months! By that time, the credit bureaus had been notified and my credit was severely damaged. 

3. XX/XX/XXXX Letter from Access Group advising that my loan was 40 days past due and this was reported to all three credit bureaus. 

4. XX/XX/XXXX Request for forbearance. I was advised that I could apply online for a forbearance of up to one year for the life of the loan. I was in extreme financial difficulty at this time and facing foreclosure of my home. 

5. XX/XX/XXXX Letter from XXXX XXXX, a/k/a Kentucky XXXX XXXX XXXX XXXX XXXX, acknowledging receipt of my deferment/forbearance request. They have a need for additional documentation. 

6. XX/XX/XXXX My fax to Access/XXXX transmitting the requested information for deferment/forbearance. 

7. XX/XX/XXXX Letter from Access denying my forbearance. ( Note the time frame : it takes only two days to deny someone but takes three months to provide them with documentation. 

8. XX/XX/XXXX My request for forbearance. Again, I was still in extreme financial difficulty. 

9. XX/XX/XXXX I sent a fax requesting a response to my forbearance. 

10. XX/XX/XXXX Fax to Access requesting Unemployment Deferment. 

11.XX/XX/XXXX Letter from Access Group denying my request for Unemployment Deferment. 

12. XX/XX/XXXX Letter to XXXX XXXX XXXX  regarding delay in granting a forbearance, non-communication, poor customer service, and damage to my credit rating. 

13. XX/XX/XXXX Letter from XXXX XXXX XXXX XXXX notifying of default of XXXX XXXX XXXX XXXX. 

14. XX/XX/XXXX Telephone call with XXXX ( Access ) regarding default of loan. 

15. XX/XX/XXXX Letter from XXXX XXXX Delinquent Debt Verification Notice advising that I may make payment to Access Group through Performant. 

16. XX/XX/XXXX Telephone call to XXXX advising that I had received no notification from Access that the loans were in default. I was assigned to XXXX XXXX who had the most obnoxious voice when she called several times a week until I notified XXXX to stop calling. 

17. XX/XX/XXXX Telephone call to XXXX advising that no official notification had been received from Access stating my loans were in default. Second phone call ; voicemail left for XXXX XXXX requesting fax number. 

18. XX/XX/XXXX Letter from XXXX XXXX ( XXXX ) requesting financial statement be submitted to XXXX in order to make payment arrangements. 

19. XX/XX/XXXX Received voicemail from XXXX XXXX ( at XXXX XXXX from a local number ( XXXX ) XXXX. Returned call at XXXX XXXX and the office was closed. 

20. XX/XX/XXXX Letter from XXXX XXXX, XXXX XXXX, advising that defaulted student loans had been assigned to XXXX. 

21. XX/XX/XXXX Returned call to XXXX XXXX asking for the financial affidavit. She advised that she could take the payment over the phone. I told her I wanted the actual form and that I would submit it in writing. She said I needed her permission to send me a fax. 

22. XX/XX/XXXX My fax to XXXX XXXX ( XXXX ) advising she had my permission to fax a financial affidavit to me. 

23. XX/XX/XXXX Received fax from XXXX XXXX with copy of XX/XX/XXXX collection letter and financial statement. 

24. XX/XX/XXXX Copy of Financial Affidavit. I never submitted it. 

25. XX/XX/XXXX I sent a fax to XXXX XXXX stating that I was rescinding my offer to pay {$150.00}. I submitted my financial information to her and advised I did not want any further phone calls from XXXX and that XXXX was not allowed to contact anyone else regarding my debt. 

26. XX/XX/XXXX Letter from XXXX XXXX, XXXX XXXX, alleging I had ignored my debt and that a negative report to the credit agencies may be sent. 

27. XX/XX/XXXX My letter to XXXX XXXX refuting statements made in their correspondence. 

28. XX/XX/XXXX Telephone call with XXXX XXXX ( XXXX ). I agreed to pay {$120.00} a months through XX/XX/XXXX. 

29. XX/XX/XXXX Telephone call from XXXX XXXX ( XXXX ). I agreed to continue payments of {$120.00} for an additional three months until XX/XX/XXXX. 

30. XX/XX/XXXX Telephone call with XXXX XXXX ( XXXX ). When I didnt want to give my employment information, she said she could investigate and find out herself. I agreed to continue repayment in the amount of {$120.00} for an additional period. 

31. XX/XX/XXXX Letter from XXXX asking for contact to pay the debt of {$9300.00}. 

32. XX/XX/XXXX Final Notice from XXXX. The entire unpaid balance of {$970.00} is due immediately. My account is 166 days past due. It will be in default at 180 days. 

33. XX/XX/XXXX I was unemployed from XX/XX/XXXX until XX/XX/XXXX. However, I scheduled a payment to Access and confirmed the payment was received. 

34. XX/XX/XXXX Telephone conversation with XXXX XXXX ( XXXX ). I agreed to pay {$62.00} for three months. He offered a special deal and that he would settle the entire account for {$7200.00}. The balance at that time was {$9200.00}. 

35. XX/XX/XXXX Telephone call with XXXX XXXX ( XXXX ). I made an agreement to pay {$62.00} for five months beginning XX/XX/XXXX. 

36. XX/XX/XXXX Telephone call to XXXX XXXX ( Access ) regarding payments. 
37. Numerous, offensive and upsetting telephone calls from XXXX XXXX asking if I could borrow money from a friend, family, bank, etc. to settle this debt. He could give me a special discount to do this. I have a recording of these calls. Sometimes he would just breathe in the phone and never leave a message or talk with a XXXX voice, i.e. if he had XXXX. 

38. XX/XX/XXXX ( approximately ) I filed a formal complaint with the Consumer Financial Protection Bureau. 

39. XX/XX/XXXX Letter from XXXX XXXX regarding my complaint to the Consumer Financial Protection Bureau and that a new employee had been assigned to my file. I attempted to call this person twice ( XXXX XXXX ). 

40. XX/XX/XXXX Letter from Access Group regarding my complaint to the CFPB and their recall of my defaulted loans. I called this office and was told this was Access Groups own unit to handle defaulted loans. I had gone through two years of XXXX with these collection agencies!!! 

41. XX/XX/XXXX Letter from Access Group regarding authorization to automatically withdraw a monthly payment of {$100.00} from my checking account. 

42. XX/XX/XXXX Letter from Access group offering settlement of defaulted private loans. 

43. XX/XX/XXXX Letter from Access Group offering settlement of for defaulted loans. 

44. XX/XX/XXXX Telephone call from Access Group ( XXXX ). No message except to call. 

Do I have any legal action against these people? As I said, I have documentation of all the above encounters ; I have copies of several credit reports for various periods ; I have denial letters from creditors due to my extreme delinquency ; I have recordings of the offensive phone calls from this so-called XXXX XXXX with XXXX ; I have proofs of payment to XXXX. The worst of it is that Access could have prevented all of this!!! 

Sincerely, XXXX XXXX XXXX