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we filed a complaint with the BBB: GC services contacted me a few months ago because I was in default with one of my student loans. I enrolled in the program paying $390 a month for a total of 9 payments and the promise that I was going to be out of default at the end of the program and the benefits would be amazing after I was done with the 9 payments.

Now that I am almost done with the payments I am receiving calls from people harassing me and my wife saying that I am sending payments "voluntarily" and I need to be on a program to be out of default. They denied the fact that I was enrolled on the program and they say that they see no notes or anything to confirm that I am on a program with them and the fact that I spoke with representatives who helped me to enroll. I am not on the program but they are cashing the checks that we are sending them every single month!? They told my wife today that I can be enrolled starting now for a total of 9 to 12 payments starting on August 1st or I would be at risk of garnishment.

So they want us to make all the payments again?! We were really relying on the fact that we were almost done with the payments. We cannot afford starting the program from zero unless they send us the money that we paid. My wife keeps asking to talk with the manager named Greg who enrolled me in the program and he never returns her calls.

He is the one who helped us to be on the program that does not seem to exist. SCAM!!

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Lus Ujv

My experience with GC Services The way they conduct business is extremely suspect and predatory in my opinion. They try to keep collecting to get those fees instead of working with people.

I went through the 11 month program. Turned in all of my paperwork and they sent me an amount to pay. In the 10th month of making all payments on-time(auto-draft), they tell me that I should have been paying $12 more per month and that I need to do the program again. I paid what they told me to pay and not one month while being auto deducted for 10 months did they say or mention I should be paying $12 more!

I was sent a letter every month about the deduction and not one said anything about more money. Then they tell me a lie that I didn’t give them my income and expenses. If that were the case, how did they come up with the first amount and the second amount that would suggest I owed the $12 more? The phone representative said they would review with her manager.

I made my final payment and never heard anything back. I did get a statement showing the amount paid towards my loan balance for completing the program. Fast-forward to earlier this year. I get a letter saying I am to be garnished 15% income plus another 8K plus in fees added to it!

I’m thinking this is a mistake or scam, so I go the government website and ask about this company and they assure me that they are a partner. I then contact GC services and talked to two reps at two different times, who gave conflicting statements. One said that I didn’t make qualified payments because they should have been $12 more, even though I paid the amount they gave me. This rep also said that with my current income I would have to pay $1000 a month garnishment and COULDN'T do the program again.

The actual garnishment is a little less than $1000, but not much less. Like I said if they never got any paperwork, how would you know to set a cost or come up with the $12 more??? The second rep said since the payments didn’t qualify, that I COULD do the program again and still pay the garnishment for 5 months plus a new set monthly cost for 11 months, which would have been well over $1500 a month paying the garnishment and new monthly payment. They also gave me a hearing option.

Cool. I send in all of my income and expenses for a hearing. I do everything online now, so my bills/receipts are emailed. Me and my two little ones go down to the public library and fax off the 21 pages of income, W2’s, pay-stubs, lease, utilities etc.

I didn't have a 2017 tax return because I had not filed taxes at the time. Took about 20 minutes for the lady to fax it, but it finally went through. I have my receipt and fax confirmation from the library. Wouldn’t you know, again GC lies and said that since I didn’t send any information about expenses and income, they are going to still garnish 15% with the added over 8k in fees….

I don’t know what else to do. I offered to pay $200-$250 in my hearing documentation with all of the income and expense statements where they ask, but they insist on taking 15% and charging those ridiculous fees. They claim to be trying to work with customers, but won’t accept $200-$250 a month for a mistake that GC made and not me. I’m in IT at a hospital, so I am on-call all of the time and that makes getting a second job hard to do with the scheduling conflicts.

They are truly NOT for helping and only interested in keeping you in their debt for fees. I will end up paying triple the cost of what my loans were. I am just going to let the garnishments pay it out, so that I will have a second source(my company) to verify all of my payments and wait to see what they lie about next.

It will take over 6 years to get away from this predatory collection practice! Companies like this are a MAJOR part of are the ROOT cause of the America we are living in.

Guest

If you think GC Services is a scam then you should educate yourself. Just like any other loan you have to pay back..

they need to know your income. You’re minimum payment is based off of your income. So if you never complete your paperwork then your payments are simply not verified as qualifying. It’s simple stuff guys.

GC is there to help you - you can listen to them and do things voluntarily or they can just take the money from your paycheck or social security and take your taxes. I’d rather complete my paperwork and payments to get my credit score back up! Defaulted student loans won’t go away even if you file bankruptcy.. employers will deny you jobs, you can’t buy a house and you lose the privilege of school funding and much more.

This is a federal debt - the government will sue you eventually. You’ll only hurt yourself by not doing what they tell you.

Guest
reply icon Replying to comment of Guest-1415303

GC services is NOT in business to help consumers Genesis, you sound like a brain washed employee. I've worked in the collections industry for 18 years.

This company is a FDCPA Violator period! Horrible training of simple FDCPA guidelines, multiple calls in 1 day to home & employer, profanity used by bill collectors. The unprofessional tactics utilizes hurts the industry across the board.

GC services has been fairly sued from the State of Arizona to New York successfully. WE have to speak out about collection agency like GC serving.

Guest
reply icon Replying to comment of Guest-1415303

I hate to tell you but my brother had the same thing happen to him. In the state of Tennessee; it is a One Party Consent State.

By federal law they (GC, and any other debt collections agencies) they have to state: this call is or may be recorded for quality training or purposes. (As a debtor you dont have to agree to that, and if you dont agree to that- they can NOT legally record it, if they do, they are in Violation of the Fair Debt Collections Practices Act) With Tennessee being a one party consent state, with them having to state about this call is or may be recorded; my brother was able to record the call on his end- without their knowledge or permission. He entered into the program as well like everyone else did on this forum- he got everything on recording. And sent everything via certified.

He paid on time, every month automatic from the bank. They even sent him a letter, and email stating about the plan and program- how much each month, when auto payment deducted, how many months. On the last month of the program- they called him and told him that he was late and they was about to garnish his wages for non payment. He gave them permission for them to speak to me and I informed them that he has been keeping me in the loop.

He kept all the papers from GC in a folder, at the house. And I read the letter and email to them that they sent to him- they said it was not from us. I also informed them that as Tennessee a one party consent state-that my brother had every call recording without their permission and since by federal law and per FDCPA, they have to legally state the call is or may be recorded- and as long as he gave consent it was legal. They laughed and said no he didnt.

He ain't smart enough. I told them I was the one who told him to do it. He began that well we will place a lien on his house and I told fhem- first off, By Federal Law, FTC, and FDCPA- you now have 30 days to comply and begin suit to place a lien on the estate and 2ndly by federal, FTC, FDCPA, they can NOT legally touch the house since our grandmother left it to me and our mom and that my name not our mothers name is in this debt and his name is not on the deed. That you can not by federal law place a lien on the property- and if you do so then you will he in Violation of the FDCPA.

And in turn, both me and my mother can sue you. The guy hung up. We got a lawyer for my brother as I told him GC services are sneaky with stuff like this. When the lawyers office contacted them- the manager was quiet.

He didnt know what to say. The lawyer told them that we can take this to court or settle this out of court and that my brother was in legal rights to record and that there is proof of where they communicated by phone call, email, and letters. And that both me and my mother is the only 2 on the deed-that they have no legal stay on placing a lien on the estate. That they are violating the FDCPA and we both can and will sue you.

Needless to say, GC lost. My brother did not get his wages garnished. He did not get in trouble about the phone recording. He paid the last payment on the program and was out of default.

Even if they are after a federal student loan, they are a collection agency and still have to follow the FTC, and FDCPA laws, rules and regulations. They are NOT exempt just because they collect for the government on federal student loans. There are Collection agencies that will lie, and they to cheat debtors/consumers. I had one collection agency call me several years ago calling for one of my best friends dad and they was talking to me about his debt!

(Which 1. He did not give them permission to speak to me, and 2. Which is a big NO NO on the collection agencies end.) So dont sit there and "preach" about doing what they ask. People do fall on har times and sometimes have issues, (even medical issues).

Oh and here is another one for you kiddo. My sister mother in law took out a federal loan 9 years ago and was paying on time and everything - about 2 years ago she ended up having a massive stroke; with her husband already passed and she was the only one bringing in income (she could not work so no income - my sister and her husband helped out as much as they could but it was still not enough) she ended up loosing her home and everything. Had to move in with her son (my brother in law) and her daughter in law (my sister). And was no longer able to work.

GC services started to call, and they to speak with her- they YELLED at her because they could not understand her. (So please mr. Know it all) would ANY PROFESSIONAL COMPANY (collection agencies or not) yell at a client bc of their inability to speak because of their stroke???) After several attempts of trying to speak with her over the month- they took her to court. They tied to put a lien on my sister and bro In law home (which is illegal since their names are not with the loan, and the mom in law name is not on the deed) so they couldnt do nothing.

My bro in law went to high school with someone whose parents are lawyers. Needless to say- they couldnt get what they wanted. Her federal loans were discharged due to her condition. GC services was no longer able to collect on her.

So yes, they are crooks! So go preach your bull else where.

Guest

It's really sad that so many of the comments are from students that now believe that gc services is a scam. Not working with gc services will only hurt you, not help your loan situation.

The department of education sends your defaulted loans to gs services, this is a legitimate company. Yes, you must make your 9 qualifying payments but you also must send in all of your required paperwork in a timely fashion. Without that paperwork they cannot even verify that you are for sure making the correct payment amount each month. Once all of your paperwork is in your monthly payment may even be lowered depending on what info they get from your paperwork.

Without sending all of your paperwork in you are essentially only making a voluntary payment toward your overall loan verses a qualifying payment towards the loan rehabilitation program. Once you send all of your paperwork in, it is your responsibility to call them after a couple of days and verify that they received it all and it is in fact filled out correctly. Faxes fail, even with a confirmation page, that only confirms you sent it, not that they received it, anyone who has used a fax machine for business on a regular basis knows how often they don't go thought correctly. Mail can get lost, delayed or misplaced.

Even if you decide to take a picture and email them your agreement letter there is a chance that it will be too blurry to read. IT IS YOUR RESPONSIBILITY TO FOLLOW-UP WITH ANY COMPANY THAT YOU SEND PAPERWORK INTO TO CONFIRM THAT THEY HAVE RECEIVED ALL NEEDED DOCUMENTS. Furthermore, yes, they will ask you to confirm your identity by stating your full address, this is a requirement that was given to them by the dept. of ed.

If it was a scam they wouldn't need to ask it everytime, they would take your info the 1st time and run with it. Also a simple Google search can find most people's addresses, if it were a scam they would be asking you for more pertinent information such as your social security number or such. There are a lot of scams out there and one does have to be carefully. However, the real gc services company is a legitimate company that you will only benefit from working with.

If you ever have any doubt as to if someone is trying to scam you with your student loans feel free the contract the Department of Education independently and ask them who they have servicing your loans and request that companies phone number from them. Not working with the authorized collection agency will only eventually cause you to have your wages garnished, your income taxes seized and any court rulings or settlements in your favor (a divorce settlement or wrongful termination lawsuit winnings, etc.) taken from you to help pay off your student loans. Be responsible, take the opportunity to get out of default seriously and follow through with all requirements and the program will only benefit you. I hope this helps.

I wasn't going to write anything but I truly hated reading all of the misinformation as to how you should handle working with a legitimate collection agency. Best of luck!

Guest
reply icon Replying to comment of Guest-1354139

Again, another GC services employee AKA Anonymous, is blaming consumers for the daily harrassment & illegal tactics used by GC servicing. My husband 25 yrs ago attended a school for 2 1/2 months, and without notification the school closed its doors leaving students without a alternative to complete their studied.

MDHE was notified by numerous students in 1994. Admin staff was charged with Fraud, and other charges. The loan was somehow turned over to 3rd party collection agency over 7 times before GC services got it. Dispute letters request original creditor info to everyone, each time previous agencies returned this "purchase paper" back to MDHE Citing: Disputed/ along with Registered Agent +Dissolution file#, legal docs Re: case against defunct Institution.

1 contact with GC services advising the collector of dispute, req original creditor loan info, advice collector of several prior dispute letters to previous agencies, etc. GC services collector didn't have basic knowledge of the dispute process, refuse to listen to important steps made, did NOT note the file (Heard NO TYPING, refused to read back any notes). 7 months later without written notice: unspecified garnishment ??? We have formerly file a complaint with Missouri Atty Gen ofc, retained a Atty, etc.

GC services employ false & deceptive means to collect a debt using unfair & unconscionable means to collect. SAD WHEN CONSUMERS ARE BLAMED ...

Guest
reply icon Replying to comment of Guest-1460814

Sure you did. Whats your case # then?

Guest

My experience was awesome going thru this company and completing the program.

Guest
reply icon Replying to comment of Guest-1273045

Your an idiot

Guest
reply icon Replying to comment of Guest-1462368

It's "you're", so tell us again who the idiot is?

Guest

Hello, I'm going through almost the exact same thing! I'm on my ninth payment, and trying yto get my loan overturned now it'sproblem after problem.

Every time I call, they want me to call Dept of Education to have them overturn the decision of my student loan. The latest thing is every piece of paperwork that was faxed they claim to never have gotten it. And I will need to refax it over again.

Good thing I keep my conformation sheets. I'm thinking this is a scam as well!

Guest

If you sent in you paperwork dumb *** like they informed you in the beginning because the department of education calculates your poi to determine the min payment amount you wouldn't had that problem they tell you that when you sign up for the program paperwork is needed for the program to be complete and you dumb *** think you are just suppose to make payments that it no turn in your paperwork as told and answer the phone when they call then you wouldn't have been mad dumb *** don't say they a scam because your grown *** ain't listen shut the *** up then on top of that department of Ed refers you to GC that's how you know it's dumb *** lmao

Guest
reply icon Replying to comment of Guest-1249002

I can tell by you poor grammar and lack of reading comprehension that you are in fact, an ***

Guest
reply icon Replying to comment of Guest-1249002

You must work at GC services...

Guest
reply icon Replying to comment of Guest-1249002

Your a idiot dumb !!!!! Tell GC to stick it up their !!!

Guest
reply icon Replying to comment of Guest-1249002

You must work for those a******. Then please tell me or explain, why would they end up getting sued for violating the Fair Debt Collections Practices Act?

Guest

I believe the same thing this is the third time they contacted me every time they seem to not know my address or they said they seem to always make me verify as if they're trying to get all of my new information and my information however even though I gave him the first four numbers my ZIP Code and the first letter and last letter of the street name he said Sir I need you to say the whole thing and he said he was unable to verify me now at this time I told him they could not like contact me and if not I would sue them however just see you know when I called them back to make the payment my first initial one the lady said hello I asked for my representative by first name only I said do you happen to have anybody in the office name by that she said yeah I guess we do and then she said his last name which is the name you gave me and when I repeat and I said oh yeah that was his name she sad all I don't mom not sure I don't think we have anybody working here by the name so I realize that it is just a company a group 5 Connors that are really good at pretending that they are an agency working to resolve these issues for the student department

Guest

Hi. Was this resolved? I got a letter from them.

Guest

You must work for GC Services!!! things happen in people lives that may cause them a delay in paying their student loans.

I know there are people out there that just take out loans and never pay back but not everyone are idiots.... ***!!!!

Guest

I am so glad that I found this blog and did my research first before agreeing to this program. They just called me today and said all of the same things that you all are reporting.

I will not make any payments to them and will work on paying my student loans back on my own.

Thank you to EVERYONE!!!!! who shared their story.

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