Citibank Student Loan Complaint

Citibank Student loan department,

Non-federal student loan Dealing with my lender or servicer Wisconsin

I recently fell behind on my student loan payments with Citibank. When I was going to be one month behind, I had made proactive phone calls to tell them about my situation to come to a payment agreement, but no offers or assistance were offered to me. I was told to just make a payment when I could and to expect to receive phone calls until then. When I realized I was going to be two months behind, I called again to request a 60-day forbearance ( no payments for -/-/- or -/-/2015 ), resuming payments in -/-/-. I was approved, and the paperwork was sent to me. I faxed my application and received my confirmation. My confirmation stated the dates of my forbearance were for past dates and that my next payment was due in -/-/-. Customer Service did nothing to help me. They told me that my forbearance started the day after my most recent complete payment, and that because my -/-/- payment was behind at the time of the application, that 's when my forbearance period started. An Account Specialist told me I should have received disclosures explaining these terms. I did not receive these disclosures nor was this explained to me at the time I applied. I am extremely frustrated because I feel I had communicated my situation and was taken advantage of at a time I most needed help. Having been in such a dire financial situation, reaching out for help, and finding results that offer virtually no relief, the experience has felt predatory.