Complaint Review: CitiCorp Bank Student Loans - Sioux Falls South Dakota

I think the confusion - as I thought the same thing about your post Dan - is that the OP is claiming it is not her loan and her ID was stolen but by asking for a deferment/forebearance is tantamount to her admitting that they are her loans and her story is a lie. Granted, we have no idea what the true story is but that's the way it reads.

If you had read my post, i told her to apply for a deferment or forbearance, which takes the obligation of payments away from her for a period of time, hopefully long enough for her to get this straightened out. As i said before, 9 times out of 10 the loan is a legitimate loan, if someone takes out a federal student loan in someone elses name, it gets sent to the school in the victims name, which means the thief would have to obtain that identity through the entire enrollment, and any degrees earned would be under the victims name. I also advised her to contact the dept. of Edu. to clarify where exactly her student loans are, they have that info. I do my job very well, and I give more help to people w/out requiring payments just about more than any normal collector should be willing to do, but i sympathize w/ people and understand if they just need time, i grant that. Next time i suggest you read and understand the entire statement before you rebute with nonsense my friend.

If you had read my post, i told her to apply for a deferment or forbearance, which takes the obligation of payments away from her for a period of time, hopefully long enough for her to get this straightened out. As i said before, 9 times out of 10 the loan is a legitimate loan, if someone takes out a federal student loan in someone elses name, it gets sent to the school in the victims name, which means the thief would have to obtain that identity through the entire enrollment, and any degrees earned would be under the victims name. I also advised her to contact the dept. of Edu. to clarify where exactly her student loans are, they have that info. I do my job very well, and I give more help to people w/out requiring payments just about more than any normal collector should be willing to do, but i sympathize w/ people and understand if they just need time, i grant that. Next time i suggest you read and understand the entire statement before you rebute with nonsense my friend.

If you had read my post, i told her to apply for a deferment or forbearance, which takes the obligation of payments away from her for a period of time, hopefully long enough for her to get this straightened out. As i said before, 9 times out of 10 the loan is a legitimate loan, if someone takes out a federal student loan in someone elses name, it gets sent to the school in the victims name, which means the thief would have to obtain that identity through the entire enrollment, and any degrees earned would be under the victims name. I also advised her to contact the dept. of Edu. to clarify where exactly her student loans are, they have that info. I do my job very well, and I give more help to people w/out requiring payments just about more than any normal collector should be willing to do, but i sympathize w/ people and understand if they just need time, i grant that. Next time i suggest you read and understand the entire statement before you rebute with nonsense my friend.

If you had read my post, i told her to apply for a deferment or forbearance, which takes the obligation of payments away from her for a period of time, hopefully long enough for her to get this straightened out. As i said before, 9 times out of 10 the loan is a legitimate loan, if someone takes out a federal student loan in someone elses name, it gets sent to the school in the victims name, which means the thief would have to obtain that identity through the entire enrollment, and any degrees earned would be under the victims name. I also advised her to contact the dept. of Edu. to clarify where exactly her student loans are, they have that info. I do my job very well, and I give more help to people w/out requiring payments just about more than any normal collector should be willing to do, but i sympathize w/ people and understand if they just need time, i grant that. Next time i suggest you read and understand the entire statement before you rebute with nonsense my friend.

Why should she pay you time for loans she didn't take out. Did you not read the post. Someone took out the loans in her name. Why don't you do the right thing and help her from that angle instead of telling her to pay for a loan she didn't take out. That was reported to you as a fraud.

Carol Ann, My name is Dan. I am currently an employee @ Citibank student loans in the default prevention department. I am confident that I know what is going on. I've been doing my job for years, so please take my advice, this help you more than citibank. If your loan is anything over 270 days past due, you need to act asap, this means your loan is in default, and citibank is now already requesting the gov't to pay the loan in full, or is about to. what that means is if its under your social, regardless of wheather or not you think its fraud, it will be come a $100,000 government debt(your loan amount+ and additional 11-18% in fees which on your loan is another $16,560, + interest). If this happens, say goodbye to any possibility of tax returns, wages garnished heavily, even liens placed on anything you own, and this is all standard, not exageration. do yourself a favor and buy yourself more time. call citibank, and put your loan on a deferment or forbearance to postpone the payments and billings until this gets resolved, more on that in a minute. I actually bet i know exactly what your situation is. I bet you consolidated your student loans w/ a company called Nelnet. w/in the last year, citibank(under the name Educational loan center) purchased a very high volume of conslidated loans from nelnet. Now you should have recieved a letter to confirm this before or after it took place, but all the defaulted customers ive spoken with claim to have never gotten that letter. i've talked w/ a lot of people who said the same thing you did..."i never consolidated w/ citibank, im not paying, or agreeing to anything" what happens then is they default and have large government debts that burden their lives for decades. If we have your social security #, and the refrences you listed on the origional consolidation application. there's a 99.99999% chance this loan is yours, regardless of wheather or not you did business w/ citibank or nelnet. Here's the steps i think you should take carol ann. First call citibank's default prevention dept(1-800-879-9010) and please believe me when i say, we dont make commision off of our customers so its not a sales ploy from me either, i actually dont work for the next couple days, lol. Find out the delinquent status of your loan, if its over 268 days, you'll need to fill out paperwork for either a deferment or forbearance, if its under 268 days past due, then you can do whats called a Verbal Lender Option Forbearance, which wll offer you a year of forbearance time that will backdate to when the loan fell past due, and go for a year from there. You'll also be asked questions to see if you qualify for a deferment(also a postponement) if you do, they'll get you paperwork for that as well, because if your on a deferment, the government will pay the interest on your subsidized loans. Again doing either of these options wll help you greatly, it will buy you more time to ''investigate'' your situation. Now lastly, in my years of experience in student loans, ive never once come across an identity theft situation where someone takes out educational loans under someone elses name/ssn. this would mean they have to graduate under that name, and have that name on any degrees they earn, carol ann, this is probably a legit loan, like i said, maybe just a victim of a buyout. if you have any questions, please email me, i'd be glad to answer them--- (((ROR removed for security purposes))) good luck~! CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.