Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Performance Settlement, LLC (OH)

I received a call from a company XXXX XXXX  on the afternoon of XX/XX/XXXX at approximately XXXX regarding consolidating my student loans according information they received. I spoke with XXXX XXXX XXXX a representative of this company who I in the beginning informed due to previous conversation of this nature I was not interested due to fees and payments being too high. He insisted I resubmit information to see how much I would qualify to reduce my debt due to being a XXXX XXXX. I continued to listen to his process and he gathered information. He proceeded to get really private info explaining the only way to see if I qualify was to take this info and get back with me with with quotes. I agreed for the purpose of quotes. He informed me that if I was concerned that any information could be refused and within 72 hours I could cancel the process. He returned with a quote that I was not comfortable with and commenced to explain that was one but could possibly do better. I stated I am not willing to pay more than the agreement I am presently serving. He again sent more forms to process and sent quote and I did not agree again. I eventually, on XX/XX/XXXX called and sent email regarding not being interested and please cancel/ terminate this as discussed. He replied same day " Not a problem! '' My application has been terminated. He further stated this application would be noted. 

Fast forward to XX/XX/XXXX whereas I arrived to pick up mail and find a series of envelopes from XXXX addressed to me regarding Congratulations on obtaining a loan and outlined my payments. I immediately notified XXXX who informed me that a Loan on my behalf was submitted and consolidated. I expressed this was concerning seeing that I did not authorize any persons to do so. The representative forwarded my call to another individual who informed me this was done and I could fill out form on fraud that will be sent. It may take 10 days but your account is here and that is done. I requested forms and awaiting. In the meantime, I contacted my bank on XX/XX/XXXX to see if present company XXXX XXXX still made withdrawals. Last was XX/XX/XXXX with XX/XX/XXXX coming the XX/XX/XXXX. I contacted XXXX XXXX same day ( XX/XX/XXXX ) who informed me I no longer had an account due to a consolidated loan takeover. 
I then recalled previous ordeal with XXXX XXXX and contacted to speak with Supervisor. I received Representative XXXX XXXX who then expressed I would need to only speak with him and gave his information. He stated he needed to look into the situation. After sometime on the phone, he expressed " we have a new system so old info is gone. '' Trying to figure this out. Give him some time. I agreed. I had not heard from XXXX XXXX so I again contacted him on XX/XX/XXXX at XXXX. He informed that he was awaiting system to load information to new system. Will contact with favorable solution as I am aware that your information was sent by our Representative. I asked how could this happen? He was unable to give explanation that I could understand. Thanked me for my patience and see what he could work out. Again apologized. I waited and eventually sent email regarding concern of resolution. 
Now, I receive a voicemail from XXXX XXXX explaining program has been cancelled. He contacted XXXX XXXX ( my original service to Student Loan ) and stated they could not take back loan because it was consolidated. I already explained that concern!!!! 
I am now awaiting a response from Performance to see what is being done!!!! 
What kind of fraudulent activity are these two companies involved! What can be done to take care of this matter?