Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Services, Inc.
State: ID

Complaint narrative:
Here is my complaint letter to national Credit Services sent today : My name is XXXX XXXX. I had arranged for a payment plan on XX/XX/2018 and then amended this on XX/XX/2018-Rehab program arranged. The first arrangement based on the notion that I would pay less because I have a heap of medical bills to pay from a XXXX XXXX in XX/XX/XXXX and was trying to create some kind of requested statement. I could not make that happen because of bills from several docs, surgeons, hospitals, etc. so out of honesty and complicated circumstances, I called back and said to forget about using those expenses to lower the monthly cost, I would pay higher rate. 

XX/XX/2018. The new plan was arranged, I gave my bank account information and was told that I would have to make 9 consecutive payments and then we could move on to the next phase of payments and out of default status and no garnishment to my account would be made. 

XX/XX/XXXX, I go to work and find that a garnishment was indeed made AND you are taking the arranged payment out of my account. 

This is problematic for several reasons : You pick on people that are obviously struggling. Your tactics of bullying and forcing them into arrangements that are not clearly explained is unethical and will be reported. 
You say you have reviewed all the conversations, yet I can not defend myself nor can I trust what you are saying since I can not afford to subpoena you to hear the recordings ( that may not even exist ). 
The documentation I sent to verify my income was sent as asked more than once and your system apparently can not decipher the information OR you do not respond to anything that goes to XXXX No one warned me that my wages would be garnished in enough time that I could try and make alternative plans even though I made an agreement with you Your representatives today are telling me that even though a signed contract was sent, because payment was not made in the 30 day time period, which I did not understand, I would still be garnished. I understood it to be to sign the papers. I did not want to give my financial information to you until I verified who and what you were. There are a lot of scammers out there and I ma still not trusting this situation. 
Why would I still sign an agreement for XXXX XXXX monthly payments to be voluntarily made knowing my wages would still be garnished {$200.00} per paycheck? 
My expenses exceed my income. How can I pay {$400.00} out of my monthly income without going to bankruptcy court? This creates an extreme hardship for me. Note my expense report attached. 
Your representatives are not clear with the deals being made and misrepresent what the outcome would be. 
Your company uses unethical practices to bait and switch to customer. I will be sure to report this to everyone that I can. In a time when everyone is struggling to keep their heads above water, with ridiculous rents, terrible job options and high cost of living, the last thing we need is suffocating debt collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation