Consumer complaint received 2023-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Reliant Capital Solutions, LLC (MI)

I defaulted on a private student loan in XXXX provided by XXXX XXXX ( XXXX ) called the XXXX XXXX XXXX XXXX a loan for disadvantaged students ). The amount of this loan was {$12000.00}. Of note- I just learned today that this loan was in default since XXXX after speaking with an XXXX representative. I had believed it was in forbearance/deferment. 

I realize that I defaulted on this loan due to medical illness and economic hardship. I was on a medical leave from work at that time. Additionally, I entered XXXX XXXX bankruptcy XXXX XX/XX/XXXX and again from XXXX. I did not receive notice that I my bankruptcy was discharged until XX/XX/XXXX. 

On XX/XX/XXXX, via USPS I received correspondence from XXXXXXXX XXXX, dated XX/XX/XXXX, requesting that I contact them to have my XXXX-XXXX  loan status made current. The letter stated that IF an accelerated date was shown, then the entire balance of the loan was due in a single payment and that my account was placed with a collection agency. An acceleration date is NOT listed on this letter from XXXX XXXX 

As soon as I received this notice, I called the number on the letterXXXXmultiple times to contact XXXX XXXX . However, every time a called that number, I heard a message stating, The number you have dialed is unallocated. 

When speaking to XXXX about making a payment on XXXX loan, I learned that they also had information on file regarding this XXXX loan. They reported that the loan had been sent to collections and that I had to contact XXXX to get the loan out of collections. 

( I would like to note that I have XXXX student loans, and after exiting bankruptcy, I have been working tirelessly to locate all XXXX loans and contact their different loan servicers. Additionally, I have XXXX children and and am working as a XXXX full-time. ) On XX/XX/XXXX, I received a notice from Reliant Capital Solutions dated XX/XX/XXXX stating that XXXX loan with XXXX XXXX was {$12000.00} as of XX/XX/XXXX and after that date {$7500.00} fee was added to the loan bringing the total amount to {$19000.00}. 

I called Reliant Capital Solutions multiple times on XX/XX/XXXX at XXXX. The phone number only led to a voicemail and not a live representative. After leaving multiple voicemails, I finally received a phone call from one of their representatives on XX/XX/XXXX. They reported that they received the account by XXXX  on XX/XX/XXXX. They also reported that the {$7500.00} fee was added on XX/XX/XXXX. I asked for a settlement and removal of fee but the agent reported that he could not do that. He reported that he would contact XXXX  to see if this loan was eligible for rehabilitation. 

I filed a written dispute and sent it to XXXX  and Reliant Capital Solutions. On XX/XX/XXXX XXXX replied to my dispute via email. The email provided a working number -- XXXX. For clarification of the outcome, I called XXXX and spoke to XXXX XXXX. 

She reported that she sent the loan out to collections a little over 30 days after she learned of my XXXX XXXX bankruptcy discharge, on XX/XX/XXXX. I told her that I did not believe this was fair practice because I was not given any written notice that it would be sent to collections before she did this. I told her that the notice dated XX/XX/XXXX from XXXX did not indicate that my account was headed for collections. She admitted to this error. 
I told her that I did not receive the letter dated XX/XX/XXXX until XX/XX/XXXX from USPS and I sent proof of this to her ( I receive USPS postal delivery alerts via email and sent a copy of this email ). Regardless of this, XXXX XXXX informed me that my loan was in default/acceleration in XXXX prior to filing bankruptcy and she reported that she sent it to collections because of this. I told her that I was not financially able to bring my student loan current at that time, hence why I filed bankruptcy. I requested to make payment arrangements starting today now that I am out of bankruptcy but she denied my request. 
Additionally, she refused to remove my loan out of collections and she reported that the loan was not eligible for rehabilitation. 

I am reporting this because XXXX did not allow me to set up payment arrangements after my XXXX XXXX bankruptcy was discharged. They sent me a letter, which arrived a day after they sent my account to collections, asking me to set up payment arrangements, yet the number they provided on the letter was a non-working XXXX. 

The representative at XXXX, XXXX XXXX admitted to me that she sent my loan over to collections as soon as she could after I exited XXXX XXXX bankruptcy. 

I believe that I was not given a fair chance to pay this loan after exiting bankruptcy. Now the loan has went from {$12000.00} to {$19000.00}. Additionally from XX/XX/XXXX til the date of this dispute, it has grown {$660.00} in interest. 

I have called Reliant Capital Colutions and left multiple voicemails after speaking with representative on XX/XX/XXXX but have not received a response.