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Original Comment I called and asked to see if there was any way they could work with me to help me get help to either skip a month and put it at the end of my loan and/or if their was any payment plans they could offer me because I am only living off of Ss because my husband passed away and I needed surgery but have no insurance. They said they could put feb payment at the end of my loan and also I could break up march pymt in two months( half in march and the other half in april) then pay normal payments starting may. Well that also leaves a month behind which he said I could extend that to end of loan as well because its a medical reason. I did this ahead of time so I could also get caught up on some other bills from my ex couldn't handle my pain and chronic pain I'm suffering with and he left me without paying any of his share of bills. I wanted to get all my finances in order, caught up and was so thankful ally found a solution for me. However, that was not the case. The same day I received a bill in the mail saying I was late on my march bill and now telling me I owe march bill. I have talked to atleast 15 diff customer care specialists whom most don't speak English well enuf to communicate to them that I need their service. I finally got someone who helped me said he fixed it and I'm all ok. Well bill collections called that night and every day and all were rude and couldn't communicate. Instead if helping they just kept saying" this is what the computer telling me, u are past due for march payment". Over and over. I kept begging for them to help me cuz I don't know what to do... This happened again and I asked why it went to collections. After rude ppl hanging up on me I kept calling back til I found someone who cared and said its out of collections now and he sees what was set up and he would fix it for me. So I went to make my pymt last night and was told that I was to have made 2 pymts in march . I said that's not even making sense. I only get Ss once a month so splitting it up in one month would have been pointless since I only get paid once a month PLUS IT WAS NOT THE PYMT ARRANGEMENT WE SET UP AND IT WAS THE CUSTOMER SERVICE REP.'s solution idea for me. Now I'm told that it there must have been miscommunication cuz those kind of extensions are not allowed. Well the man who I originally spoke with never even used the word extension so I was lost!! Then if your employees cannot understand how to do their job bc they are over sea employees then it is not my responsibility to fix their error and magically come up with the money to change our arrangement!! And if u are paying over sea ppl to do this work u are making millions by not having to pay them much that u can easily just stick to the arrangement I was told and work with me, and ethically u should since it was an error on your end. I am not trained to know how u do pymt arrangements so that is why I called to get help so I could get all caught up and my finances in order. Now I'm told my only options are to stay 30 days behind until July when I will qualify for another extension and then can extend that payment or magically pay the month they say I'm behind bc their employee gave me an arrangement that is not an option in the way they do business. It was your mistake so u should work with me bc this is going to affect my credit which I was trying to get all my finances in order before I had surgery. I just had surgery and spent an hour dealing with rude representatives last night and then another rude lady who called me today and would not help me at all ! I used to be a manager and this is so unethical to treat your customers and to run a business!! Please help me or I will find legal assistance and go to court!

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