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candylandI am so mad right now that I could spit nails.
When it's time for my lunch break at work, I noticed I had a missed call on my phone, and a voice mail from my state student loan company to call them. Curious, I did so. After being on hold for several minutes (with some of the most god-awful music ever) I get a guy. I give him my information. He pokes around a bit...
And says that my last payment is eleven days past due.
I say, "Excuse me?" He repeats this. I say, "No it is not. I have had automatic payments set up since my grace period ended. I have not missed a payment in four years." He puts me on hold (more bad, static-filled "music"), and a moment later he comes back...and starts babbling about deferral.
I cut him off and inform him that I have not been in deferral since my grace period after I graduated from college. He then told me...
You ready for this?
They received notice that I was enrolled as a part-time student at the community college this summer (surprise number one, since I thought you had to be a full-time student to put loans in deferral). I was taking two classes, and I was so swamped that I'll admit I wasn't paying as close attention to things as I generally try to. And because I was enrolled as a "part-time student"...
They put my loan into deferral.
I did not okay this. I did not authorize this. I was not asked.
They changed my fucking account without my authorization.
He said they mailed me a letter, which I never saw, and I read EVERYTHING I get from my student loan companies because I don't want to miss anything like this. And then after the fall semester started, at which point I started taking classes between two different schools, they took my loans off deferral...but it wasn't soon enough for the automatic payment to kick back in.
Never saw a word about that either.
At this point I was so mad I started crying (which is how I frequently release my anger), and told him to put something on my account to ensure that this did not happen again. He keeps babbling on, and by this point I needed to go back to work, so I got off the phone and went back to work, where my coworkers noticed that I was ready to kill something. When I told them, one of them asked the million-dollar question: "Can they actually do that without your okay?"
Funny. I didn't think so.
When I got home, I tried to call back with the intention of speaking to the highest person on the food chain that I could, but of course Friday is the day that they close at five, which is when I get off work. So I get to wait until Monday to make this call and find out what the hell happened. Because so far as I know, they can't make a change to my account without my authorization. When I told my dad, he actually asked if it was even legal for them to do so. That, I don't know.
But because of this, my perfect payment record on my loans lasted four years. They had better fix this, because this shouldn't have happened.
...okay. Little bit calmer now.
When it's time for my lunch break at work, I noticed I had a missed call on my phone, and a voice mail from my state student loan company to call them. Curious, I did so. After being on hold for several minutes (with some of the most god-awful music ever) I get a guy. I give him my information. He pokes around a bit...
And says that my last payment is eleven days past due.
I say, "Excuse me?" He repeats this. I say, "No it is not. I have had automatic payments set up since my grace period ended. I have not missed a payment in four years." He puts me on hold (more bad, static-filled "music"), and a moment later he comes back...and starts babbling about deferral.
I cut him off and inform him that I have not been in deferral since my grace period after I graduated from college. He then told me...
You ready for this?
They received notice that I was enrolled as a part-time student at the community college this summer (surprise number one, since I thought you had to be a full-time student to put loans in deferral). I was taking two classes, and I was so swamped that I'll admit I wasn't paying as close attention to things as I generally try to. And because I was enrolled as a "part-time student"...
They put my loan into deferral.
I did not okay this. I did not authorize this. I was not asked.
They changed my fucking account without my authorization.
He said they mailed me a letter, which I never saw, and I read EVERYTHING I get from my student loan companies because I don't want to miss anything like this. And then after the fall semester started, at which point I started taking classes between two different schools, they took my loans off deferral...but it wasn't soon enough for the automatic payment to kick back in.
Never saw a word about that either.
At this point I was so mad I started crying (which is how I frequently release my anger), and told him to put something on my account to ensure that this did not happen again. He keeps babbling on, and by this point I needed to go back to work, so I got off the phone and went back to work, where my coworkers noticed that I was ready to kill something. When I told them, one of them asked the million-dollar question: "Can they actually do that without your okay?"
Funny. I didn't think so.
When I got home, I tried to call back with the intention of speaking to the highest person on the food chain that I could, but of course Friday is the day that they close at five, which is when I get off work. So I get to wait until Monday to make this call and find out what the hell happened. Because so far as I know, they can't make a change to my account without my authorization. When I told my dad, he actually asked if it was even legal for them to do so. That, I don't know.
But because of this, my perfect payment record on my loans lasted four years. They had better fix this, because this shouldn't have happened.
...okay. Little bit calmer now.