Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed
State: TX

Complaint narrative:
While I was in XXXX XXXX at XXXX XXXXXXXX I needed help for extra expenses and took out loans guaranteed through the state of XXXX. These loans very quickly after graduation became a problem as I could not get forebearance, couldnt get proof of the notes or their terms, and harassing collections calls started to me but also to family and friends who had nothing to do with it yet were getting threatened as if they cosigned. Very quickly though, around XXXX all loans that were underwritten by XXXX  were bought by the US DEPT OF EDUCATION and I was notified they were all closed with the state. I havent heard anything about that in over a decade and as far as I know theyre reflected in my federal balance but I cant get a real accounting from them either. I filed complaints with CFPB to get all my loan documents and nothing responsive was sent to me or CFPB as far as I know by all the fraudulent claims on my credit scores instead disappeared. I guess that really XXXX off Trellis who submitted a claim to the my employer, the state of XXXX, claiming I owe them {$40000.00} plus and all- ALLLL- my paychecks should be withheld until paid. Literally the only notice Ive gotten is from XXXX, nothing supporting this claim thats double what I borrowed because again those underwritten loans havent been active since XXXX. If I wasnt getting a small travel reimbursement I wouldnt have known at all my entire paycheck was going to be erroneously withheld in a WEEK with barely enough savings to survive next month. Its purely retaliation for getting CFPB involved and I have no idea why the state comptroller wouldnt verify but XXXX is the same company that off and on just starts calling and harassing me or putting things on my credit report just to take them off and falsified years of pay history to make the debt appear valid when it stopped being collectible by operation of law about XXXX XXXX ago UNLESS it truly was converted to federal underwriting like I was told. There hasnt even been a way to PAY those loans separate from the debacle with the US Dept of Ed in XXXX XXXX XXXX XXXX. And then have never responded to demands to prove this loan despite half a dozen requests, the last of which was also probably about XXXX XXXX ago when they went radio silent. Ive worked this job for the state for over a year and this has only happened now after the CFPB started investigating. If I cant get immediate help Ill have to file an emergency counter suit and temporary restraining order this week to not be forced into XXXX. I have a XXXX XXXXr with an open investigation into my student loans, as far as I know they obviously didnt bother to contact CFPB either. No written demands, nothing on my credit report, just odd scam calls late at night for a couple weeks of people trying to solicit private information from me suddenly claiming to be a personal business matter who refuse to identify who theyre with. Im going to do my best with the XXXX  comptroller and courts but I can not defend myself by myself because XXXX is trying to punish anyone who dares complain to the CFPB. Please I am absolutely begging for help, none of this is legal but because Im a XXXX XXXX they found a loophole to try to get me back under their thumb. HELPPPP, CFPB just helped me fix my credit, I just got my XXXX XXXX in XXXX XXXX  to start rebuilding literally last week with a car loan after almost XXXX XXXX  of shenanigans and I cant recover if they get away with this AGAIN.

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