Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Immediate Credit Recovery
State: IL

Complaint narrative:
I have had a XXXX loan that I have disputed based on a default date of XXXX. I appealed this repeatedly in the past because I had documentation stating that my loan was deferred until XXXX. After being passed around to several agencies, I was told that my loan was repurchased by XXXX and in good standing, which turned out to be false. Although I fought this for years, I ended up paying off my XXXX and XXXX loans with no issues. The XXXX loans continued to haunt me. I'vetried resolving this for many years, but kept getting passed around to different agencies. I have never seen any offsets or garnishments applied to the loan balance since XXXX. 
Fast forward to XXXX XXXX, I found my loan information on XXXX and saw that my loan was with XXXX XXXX XXXX XXXX at the XXXX. I paid off the amount listed and sent it to the agency. One month later, I receive a letter stating that they had received the funds and forwarded it to XXXX. XXXX in XXXX and all future payments should be sent there. 
Two days later, I received a document stating " Congratulations! You have expressed an interest in the Rehabilitaion Program '' requesting my financial information. It had Immediate Credit Recovery at the top of the page. There is no identification of who they were representing, nor had I requested any service. I thought it was a fishing scam and ignored it. But when I called the XXXX, I found out that my loan was with Immediate Recovery and I still owed thousands on my loan! I was told that if I 'd contacted ICR prior to paying the loan, I would not owe anything nor would I have had to pay the full amount! I explained that I 'd never heard of/from this company but asked to be transferred to ICR to resolve my loan. 
Each representative that I spoke with at ICR told me that I should have contacted them first before paying because I could have negotiated a payoff lower than I sent. Again, I explained that I never heard of/from them. No contact whatsoever & XXXX XXXX was listed as the owner of my loan. They proceeded to tell me that I now must pay several thousand more to satisfy my loan. I asked why and they stated " because you already paid the balance. '' Confused, I asked why I would have to pay extra to satisfy the loan, especially since a negotiated payoff would have been less than I already paid? I was told again that because I already paid the loan, I was being penalized and that it could no longer be negotiated. I asked for a balance statement and was told that they could not give me XXXX since I planned to dispute the balance. 
I contacted the XXXX ( XXXX ) again requesting to dispute the remaining amount based on several factors. I sent my dispute & supporting documentation were delivered on XXXX XXXX ( USPS delivery confirmation receipt ). On XXXX, I called XXXX and was told it had not been received and that I should not send certified mail to a XXXX XXXX XXXX I was told to re-send the request by regular mail. I spoke with a supervisor to find out if there was a delay or backlog in the mailroom or any way to check. She offered no solution, cut me off and said the loan was old. I requested a payment history and was told to write to the same address that I have been requesting this info from for years at XXXX XXXX XXXX Texas, the same XXXX that says they 've never received my correspondence ; the same XXXX that never responds to my written requests. 
I was also told by this supervisor that my loans went into default on XXXX/XXXX/XXXX not XXXX ( when I started getting collection calls & letters ), not XXXX, XXXX or XXXX ( as listed on nslds.gov )! I have been financially penalized since XXXX and counting! 
I have lost more than employment and educational opportunities because of these inconsistencies and disregard for a true resolution.

Company response to consumer: Closed with explanation