Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIBANK, N.A. (VA)

Several unresolved problems - XXXX Stafford and XXXX perkins loans ( all subsidized ) were consolidated by Citibank SLC in XX/XX/XXXX. Citibank financed {$10000.00} for 180mo for total of {$17000.00} 1st due XX/XX/XXXX. In those 15 years, I had forbearance for economic hardship 2x, lender option 2x and administrative 2x. I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I still paid a total of {$17000.00} in original 15 year term of the loan. I had to file Chapter XXXX again in XX/XX/XXXX. Credit report obtained for proceedings had a Student Loan with XXXX XXXX I disagreed! I only knew of Citibank to service my loan. I tried contacting XXXX with no success however " XXXX. XXXX on behalf of XXXX '' began calling and sending wage garnishment threats in the mail. I was demanded to pay {$5500.00} in full. I was shocked. I tried to dispute the entire balance and was laughed at. I tried to explain that I was in the middle of bankruptcy proceedings an in obvious financial distress. I was laughed at and was told ( as if I did n't already know ) that bankruptcy means nothing to US Govt and if I did n't agree to pay $ XXXX for a loan rehab I would suffer wage garnishment. I was belittled and the very thing I was trying to avoid with bankruptcy was having my employer involved in my financial woes. I agreed like a dummy to auto drafts for $ XXXX. My lawyer told me to cancel future payments when I told him. He said it violates the automatic stay regardless of it being a student loan. I later find out that the violation was not on my part. XXXX violated federal law under the automatic stay. I continued to dispute the fact I even owed a balance. I received notices from XXXX and disputed the balance with them to no avail. In XX/XX/XXXX I was contacted by XXXX on behalf of XXXX with a garnishment letter. I followed procedure in the letter ; requested an administrative hearing, complete payment history, and all supporting loan documents. I received an illegible copy of a loan application/promissory note and " post claim '' payment history with only the payments of {$75.00} made to XXXX. I requested full payment history again and legible copies of loan disclosure and repayment schedule that is part of the loan application and promissory note. Citibanks website only gave XX/XX/XXXX thru XX/XX/XXXX online pymt history. Missing 9.5 years of payment history, I was rail-roaded by XXXX in the Admin hearing. Burden of proof on me to produce payment copies from 11-15 years prior. XXXX ; 0 accountability to provide loan documents. From XX/XX/XXXX was garnished for {$3800.00}. I was the primary earner for family of XXXX and about to be homeless. XXXX admitted that even before garnishment I qualified for $ XXXX pymt. They said I had to pay $ XXXX for next 6 months on top of garnishment to stop the garnishment. I do n't owe it, and it would have ended before 6 months with {$2800.00} as their balance. I, my husband, and XXXX kids were about to be homeless. I was left with no option but to quit my job of 9 years, losing all benefits, so I could afford to live. After screaming matches, in XX/XX/XXXX I finally received a full pymt hist from Navient proving I paid {$17000.00} in the orginal loan terms. {$3700.00} was added in capitalized interest during periods of forbearance ( on subsidized loan ). I have now paid {$21000.00} on {$10000.00} principle. I am at the end of my rope - there are more details that I ca n't fit. I am now getting calls from XXXX from a rude kid that would n't ID himself. When he finally did, I told him I refuse to deal with a third party, send me a letter with info and I will request in writing to return the account to XXXX. I did not finish college due to disqualification for financial aid for the XX/XX/XXXX year because I worked and made XXXX. XXXX College XX/XX/XXXX XXXX XX/XX/XXXX