Consumer complaint received 2017-02-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MI)

Current co-signer bankruptcy situation : Got word the bankruptcy 'freeze ' period was over, XXXX private student loans were affected and each has a different outcome. All were pretty much unreachable for payment during the bankruptcy period, but there were some very small payments going to them ( no idea where from ) so they would n't default ( I think?? ). Now though, the timing is horrible. I 'm in the middle of getting a mortgage. My credit score just dropped XXXX points but here 's what happened : To be clear, I did n't know my cosigners filed, I found out by not being able to see or pay any activity on my accounts. I was never informed changes to my account were going to be made. My cosigners, now, say they never intended for me to be involved. They did n't think I would be affected. 

1. XXXX bought the loan from XXXX XXXX but for some reason the entire loan was under my relative 's name and his spouse as the cosigner ; me, just the student. HAVE NEVER BEEN CONTACTED BY THEM EVER, only knew it existed because it showed up on my credit report couple months ago. I ca n't myself make payments on the website account because it 's not under my name and wo n't let me add a bank that 's not under the main borrower 's name. 

2. XXXX bought the XXXX loan : same thing, no contact and could n't access any information online, phone calls were very time consuming ( made a few payments in the beginning over the phone when it was XXXX ) ... interest accrued, I now owe {$7000.00} more than the original loan amount. At least they let me know the bankruptcy was over and sent me a minimum amount owed with a date bill statement. I could also see all activity after XXXX on the website account. 

3. Discover bought my XXXX loan as a 'charge-off ' ... I am unable to get any information online, registered an account but NO INFORMATION concerning my loan is in it. If I call, I have to go through XXXX different people to get to the right XXXX. I can only make payments on the phone or through my bill pay, so no confirmation, activity, amounts etc. I only got this information because I finally went to consolidate my private loans and got denied because of delinquency even though I 've worked really hard the past three years to have good credit. So I checked my credit score once again only to find Discover put me down as 'failure to pay ' for the last two months, thus XXXX point drop. NO EMAIL, LETTER OR PHONE CALL to inform me of this. I talked to someone and they basically told me the loan is now owed in full. I sent a {$150.00} payment through my personal bank 's bill pay but that takes likes 5 days. I 'm not even sure of a minimum amount and if, once payment is received, if it will stop affecting my credit score. She basically said too bad so sad and it was illegal for them to contact me. Okay, DURING THE BANKRUPTCY PERIOD IT WAS ILLEGAL BUT ONCE IT WAS OVER, I SHOULD HAVE BEEN CONTACTED. 

They did contact me every year with a tax information letter, because of the very small payments going towards the loan every month. 

The unapologetic person on the phone gave me a silver lining of 'no interest accrued on the loan ' though. Okay cool, but now my credit scored is XXXX and I may not get approved for my first home.