Consumer complaint received 2018-09-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACCESS GROUP INC. (WA)

Hello. I filed a complaint against Access Group before in XXXX and the issues are not resolved. Access Group has threatened to impact my credit rating and have negatively impacted my credit rating ( through XXXX  credit reporting ) to the point of affecting me financially and causing severe emotional and financial stress and making it impossible for me to make the changes I am trying to make in order to make steady payments to my 3 student loan service providers. THIS IS COMPLETELY UNACCEPTABLE AND ILLEGAL! I filed a complaint with your office and have not had ANY resolution. I am filing a complaint again. It is not enough to just receive a reply. I actually need a feasible, reasonable solution to the issues I am facing and have faced with Access Group 's policies and procedures. Throughout XXXX and XXXX, I tried to solve these issues with Access Group. All they kept saying is asking for payments that are completely NOT feasible given my net income and payments I had with other student loan providers. I sent them multiple emails with no resolution. In XXXX XXXX, I tried to move to a cheaper apartment. Access Group had threatened to impact my credit and because of this, the XXXX credit agency has a negative mark on my credit. Because of this, I was not able to move to a cheaper apartment. Because of this, I could not lower my overall expenses. Because of this, I was/am not able to make consistent payments on my student loan payments. Access Group offered NO reasonable solution and only threatens to continue to harass me even after I tried multiple times to let them know my circumstances and unfortunate periods of unemployment in the last 2-3 years that are beyond my control. In XXXX XXXX, I tried again to move to a cheaper place so that I would have less overall expenses. I was notified in early XXXX that my application was denied or I would need a co-signer or I would have to pay a full month 's deposit on top of a full month 's rent. Obviously, this is impossible, unreasonable, unfair, and unconscionable for the most financially healthy person. I CAN NOT obviously pay this. The reason for this denial is because of the XXXX credit report and Access Group 's information fed to XXXX XXXX credit agency. XXXX  is NEVER right and ALWAYS takes too long and then NEVER corrects these errors. Because of this situation, I am denied the cheaper apartment. Because of this, I can not move within a reasonable time and reduce my overall expenses so that I can try to resume student loan payments. Because of this, I can not even get a car or certain kinds of employment because of the credit rating checks. Because of these issues, I am not able to make changes to my circumstances in order to reduce my expenses so I can make regular student loan payments. How am I supposed to make ANY regular student loan payments when the person/organization I am supposed to pay CREATES ALL THESE PROBLEMS AND NEGATIVELY THREATENS AND IMPACTS MY CREDIT RATING BY ACTING ILLEGALLY AND IMMORALLY? I need help! I need more than a response in 15 days by CFPB. I need your organization to actually do something practical that helps me and helps other students in similar situations. If I have to declare bankruptcy, none of these student loan providers will get paid! Why do they not understand this? PLEASE HELP ME ... meaning really DO SOMETHING PRACTICAL to help me solve this issue with Access Group. Thank you very much.