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1931842
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2016-05-18
|
Dealing with my lender or servicer
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Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
Loan Science, LLC
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| Product |
Student loan
|
| Sub Issue |
Having problems with customer service
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| Sub Product |
Non-federal student loan
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| Date Received |
2016-05-18
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
No
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| Date Sent To Company |
2016-05-18
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Complaint What Happened |
XXXX XXXX XXXX the original creditor of my student loan from XX/XX/XXXX at XXXX XXXX XXXX in which I have been having issues settling this debt or effectively communicating with anyone that holds this debt. XXXX XXXX XXXX went bankrupt after settling with the attorney generals office in XX/XX/XXXX for XXXX in which my loan was a part of the time period the company was offering kickback to certain universities to steer students to receive this loan. None the less this loan was services by XXXX which probably closed down as well then serviced by Loan Science. Neither companies were satisfied with any solution to rectify the amount even when I was not working and still attending school they still wanted full payment. Loan Science sent me to collection in XXXX with offering very little solutions and with constant communication while I was still attending graduate school. XXXX XXXX was the collection company that held the loan they offered XXXX options to pay off the loan which I could not afford, I brought up additional disputes and that only stopped them from calling but they did not work out any other solution with me. I recently finished XXXX school only two weeks ago and notices coincidentally the calls and letters have started coming again this time from XXXX collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which requesting payment to each company on the same debt. Now I do not know which company to work with and I will be contacting Loan Science again to request the original paper work of the original loan and I will also request the same paper work from the debt collectors. I would like a reasonable solution to rectify this loan or find out if my loan may be able to dismissed due to the settlement if not I want a solution that is affordable to my budget. None of these companies in the past have offered any affordable solutions or even had an interest to look into my personal financial situation to come up with a reasonable solution. I recently cleared up my credit and my other federal student loans are in good standing. I do not want this matter to drastically effect my financial future.
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| Consumer Consent Provided |
Consent provided
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|
2101203
|
2016-09-08
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
Loan Science, LLC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are handled
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2016-09-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have student loans with XXXX private student loans ( XXXX XXXX XXXX XXXX ) is LOAN SCIENCE , LLC. I have currently XXXX dollars of student debt. Every month, I pay about {$200.00}. I have just called them and ask them if they take under the consideration that I have another student loans to pay and if they could lower my payments. My interest rate is 6.640 % Variable. ( it seem much higher ) What happened if I get sick or lose my job. They said there is not their problem, and I have to pay 200 monthly for other 18 years. I am 48 years woman live in poverty and do n't have any retirement plan because of my student loans. I also have government student loans, and they are so flexible and take life circumstances under the consideration. This is so cruel that I ca n't refinance my student loans and ca n't do anything about it. Coming from another country and going to college is my biggest mistake ever in this country. I wish I would turn the time and never go to college here. XXXX is horrible company!! Is there anything I can do about it!! Can I refinance? I think that interest is much higher than 6.60 %. Can I hire the service to investigate my account? I think something is not right!
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| Consumer Consent Provided |
Consent provided
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