Consumer complaint received 2018-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: PA

Complaint narrative:
In XX/XX/XXXX, I received a call from Discover Student Loans and they inform me that my loan was about to be charge - off due to a lack of payments.Because I could not afford to pay the minimum amount ( {$700.00} per month ) required Discover Student Loans and I was only paying {$100.00} - {$200.00} per month due to my income, my co-signer and I were informed that I needed to make a payment of {$400.00} in order to avoid the loan to be charge - off.

A payment of {$400.00} made in XX/XX/XXXX as requested and but few months later I was informed that my loan was charge-off. In addition, I called Discover Student Loans and I informed them that I was planning to go back to school on fall XX/XX/XXXX and I was told that as long as I am enrolled in school, I did not need to make a payment. And I would have to make payments again after the end of the semester. I attended fall XX/XX/XXXXsemester at XXXX XXXX XXXX XXXX.

After the fall semester ended, I went to Discover Student Loans in XX/XX/XXXX to make a payment and the blocked my account and I could not make any payment. Few days later, I started receiving multiple calls from Discover Student Loans and they informed me that my loan charge - off. Thus, I explained that I made a payment in XX/XX/XXXX and I was in school on Fall XX/XX/XXXX and my student loan should never have charge - off.

They promised to investigate and let me know that outcome, but they never call or email the results of the investigation. Few days later I ran my credit report and Discover Student Loans incorrectly reported my loans as delinquency.Thus, I called Discover Student Loans and I reported to them that I was receiving conflicting information from Discover Students Loans and it was creating problems on my side. I requested a written clarification and they informed me that the would send me via email, but I never received anything. Then, I received a call again from Discover Student Loans threatening me with a court action. According to them, Discover Student Loans was preparing to send my file a lawyer and they would not have control of the case if it goes to a court. And they requested me to make payment equivalent to {$700.00} per month which I can not afford. I requested a lower payment and they put me on hold for 20 + and they informed me that they could not do anything but the were going to transfer to a different department to negotiate a lower monthly payment. But I was told that the " department was close '' in the middle of the day.

I account was unblocked after I complained and I was able to make a payment of {$200.00} onXX/XX/XXXX.I was not able to make payment in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXXbecause they was blocked.

I received the loan in XX/XX/XXXX-XX/XX/XXXX to cover my schools expenses at XXXX XXXX University. The total was {$40000.00} and today the balance is {$74000.00} due to extremely high interest rates.

Company response to consumer: Closed with explanation