Citibank Student Loan Complaint

Citibank Student loan department,

Non-federal student loan Dealing with my lender or servicer Don't agree with fees charged Texas

I spoke to someone at Citibank last week regarding my student loan w/ them. Am wanting to try to negotiate better terms for the loan. Was informed that they " are out of the student loan business and there 's no one to talk to '' I still send my payments to them, so why is there no one to speak with?? Is this legal, or part of a deliberate attempt to protect their profit? This is issue # 1. I began repayment of loan after I - in 2011, and during the deferral period before that, paid the quarterly interest. I have paid greater than the billed amount each month. To date I 've paid in over $18000.00, and yet my current loan balance on an orignal amount of $24000.00 is over $22000.00, meaning I 've only reduced the loan by about $1800.00 and the bank has profited a tidy sum of over $16000.00. It appears to me that this qualifies to be called predatory lending? Issue # 2