General Revenue Corporation Reviews

I only make about $600/$700 (maybe a little more) per month and they're currently wanting me to make $150 bi-weekly or $300/mo for a $3,758.22 debt to the University of Northern Iowa, which I cannot afford (hence why I dropped out in the first place after a year & a half) and have made this clear to them numerous times.

They do not offer income-based payments and I feel like I am trapped because there is no way I can afford half of my monthly gross pay to this company. My credit is screwed and I more than likely won't be able to move into an apartment in a location where I would have better/more job options. I feel like I'm damned if I pay and damned if I don't.

She talked to me like I was her disappointing step daughter. It was extremely unprofessional. I then tried to arrange to pay off the debt in two payments and she refused to set up the second payment and said I need to call back after the first payment to set up the next one. I told her I didn’t want to do this because it was hard enough to get ahold of them this time and now I’m being charged over $200 for it. She still refused, co to ours to be rude and condescending and now I have call back in a month to schedule a payment that I tried to set up today.

When you call GRC they want your SS# to look up your account. I can understand you don't want to give it to them. Give them your name (what it was when you went to school) and the name of the schools where you received loans. If they can't find you based on that hang up. The best advice I can give you is to find your loans without calling GRC. If you work directly with your college or university you will probably find out that with a little paperwork the matter can be resolved. Also, this could save you money on collection costs.

I can't speak to GRCs calling practices. I used to work at a school that had GRC do the collections on their private student loans. So GRC isn't a scam, and you probably do have a loan you are unaware of. Most students don't know that if you call your school you will most likely find someone who wants to help you figure out your student loan issues. Also www.studentloans.gov is the best source of info on all your federal loans. Perkins borrowers should get consolidated in most cases so all the loans qualify for Income driven repayment. Best of luck to you all!

When asked why they contacted my relatives, the operator told me this was to verify that they had the correct phone number to contact me. They already had it on file, and my outgoing voicemail message includes my first and last name (it's unique). Furthermore, the second person they called gave them the same, valid number that they already had. It was a pure and simple humiliation tactic regarding a debt waiting to be ruled legitimate or not by the federal government. As incompetent as they are scrupulous - AVOID! Whether or not you carry a legitimate debt that's been sold to these clowns, I suggest taking it up with your original lender. I am. The more people that do this, the sooner these crooks are out of business.

It's possible I owe something else, to someone else, not related to my student loans, and I have forgotten about it or let it slip through the cracks. But I have received nothing in the mail. No bills, no notices. I've received no emails or calls from any actual businesses (which you would think you would get BEFORE they send your bill to a collections agency). Leaving anonymous and ominous voicemails for people and asking only for personal information and telling you nothing about what you need or want when you call is NOT the way to get a debt paid.

I'm extremely suspicious of this company and I'm worried they are just trying to skim information from me for something nefarious. This is the phone # I have been getting calls from: 513-234-5408 - Shows up as Mason, OH. Here is their website: https://www.generalrevenue.com. The https secured by signature shows "Navient Solutions" but Navient THEMSELVES denied being affiliated with this company, and told me that "many companies are calling around purporting to be with the government ran student loan agency, but really they are attempting to sell you debt consolidation - for an administrative fee". I hope that's all that is going on here, and nothing scarier. Their very name "General Revenue Corporation" suggests "We exist to MAKE MONEY" so this doesn't exactly breed confidence or trust.

I told her that I wouldn't provide my date of birth because I don't know who I'm speaking to and she just repeated herself by saying she needs to verify that it's me and she needs my d.o.b. This went on two more times before she finally said what company she worked for and I told her, "Hold on," while I googled the company to find out that it was a collection agency. I then said, "Ahh, I received a letter a while ago about this," and then I gave her the info needed to verify that it was me.

She said, "Thank you," and went on to saying that I owe 5,000+ and I need to pay it off in one payment. Of course I said, "What!?" and she replied with the same thing. The last I remembered, I owed close to 3K, but I didn't argue the amount yet because I expected some kind of interest and I was more concerned with the one-time payment. I said, "My loan was sent to you only because I couldn't pay the unfair $450 a month payment while I was still a college student!" And I asked if there was a payment plan.

After a minute or two she said, "Okay, we're trying to help you out so you can do a minimum of a 1,300 downpayment and then $375 a month thereafter." This isn't any better than what I couldn't pay in the first place so I said, "There is no way I can do that," and requested a longer payment period so the monthly payments would be less. She said she can't do more than 10 months while continuing to say she's trying to help me out.

Somewhere during the call she asked twice if the company can call me about my account and I said, "Sure. It's clear that I'm not avoiding paying my debt. I'm a 20 year old college student and I'm trying my best." I'm young and I don't know much about these things so I'm worried and trying to get some more information so I asked, "What can I do if I can't pay the amount within 10 months, and she said I should go find it out and call back when I'm ready to pay. I said okay and asked what number I could call back, and after receiving the number the call ended.

I was so angered by the unprofessionalism, the lack of knowledge, and the downright forceful soliciting that I received from this company that I had to sign up and leave a review so others can be aware. I've never went out of my way to leave a complaint about a company but this was the worse experience I've had with any company and this is about my debt, credit, and FUTURE nonetheless.

I don't want my credit destroyed before I even start living my life, but I'm scared to even pay GRC anything because I'm close to counting them as a fake company pulling a scam. It's ridiculous that a company can be so shady and they're handling important details about a person's financial situation. And for my school? I loved my time there and I only left for financial reasons but the fact that they would allow such a terrible company to take over my debt and possibly make it almost impossible for me to recover is just extremely disappointing. I would never recommend that school again.

I explained to the lady on the phone that that's not possible and I wanted set up monthly payments. She went on to claim that I couldn't do that and needed to pay in full. I told her that based on the letter I was sent I could do that. I also mentioned that I am a military member and was soon to be tasked to deploy so I wanted and needed to get this set up as quick as possible. It was then that she forwarded my call to a gentleman, who for the life of me I cannot remember his name. She forwarded my call to him just based on me being a military member and he said he was a Navy veteran so I assumed he could understand my situation. I told him the whole situation and read to him the letter I was sent. Once that was all said I told him that I recently did my taxes so I would have no problem putting a down payment on it and he was happy to oblige with me.

However, as I was getting online to get my bank account information he started to become extremely pushy, saying stuff such as "You gotta give me some numbers. I need some numbers now. Gotta go." It was then that I said "Look, I want to get this taken care of too. But this is my situation and it's my money. So just hold on and I'll get this information." He kept being a bit more pushy until I finally said "Listen here, I'm free all day so I've got time, but I highly doubt your phone is ringing off the hook so maybe you should just relax until I get my info." Finally I got my bank information and gave it to him and asked to have $1,000 taken out as a down payment. He then set up my account to have $126 taken out each month. Like I said before, this was the only time I ever spoke with these people.

So a month went by and I noticed that no subsequent payment was ever taken out. Before I had a chance to contact them I got two letters in the mail. One stated that my payment was declined due to insufficient funds, which was impossible because my bank account had never gone below $900. The second letter stated that all further payments had been cancelled and that I needed to make a full payment for the remaining $2,855 as soon as possible. Needless to say I was furious. I called the company but never got through to anyone. I left two messages and asked to be called back. After two days and no reply, I e-mailed the e-mail addresses I could find on any of the letters. Once again, no reply.

At this point I chose to just ignore it. I thought that if anything further was to happen I had plenty of information to give and it would be known that they were the ones who did things without my consent. It's now October 2014 and I have still not been contacted in any form. About a month ago I signed up for CreditKarma.com just to keep an eye on my credit. When I first signed up and attached all accounts I have, I noticed that after setting everything up, the collections amount I owed to GRC was on there. However, my credit score was still at least at a Fair rating.

All of a sudden, I logged on one day and noticed that my score jumped from a Fair to a Good rating by 36 points. Apparently, the collections amount had been removed from my credit report. No idea what that was about but if my credit score went up I consider it a good thing. And they still haven't contacted me. To anyone who has to deal with this company I say make sure you just ask to speak to a manager right away since it's quite obvious their representatives cannot do what they're supposed to do. They sure seem to be a "Say one thing, do another" type of company.

When I called, they immediately asked for my Social Security number, which I refused to give them. They then asked for my first and last name and my address. I provided this and was told that they couldn't find anything for me in their system. After about 10 minutes of negotiating, I managed to get the agent to admit that they found accounts for the same name but none of the addresses matched, and that they might be able to locate the account with the last four digits of my social. The agent was able to find an account; however, the address was for a state I have never lived in, and the phone number was one that I have never had. When I told the agent this she immediately said, "Well, it's your Social Security number so it must be your address."

I repeated again that it wasn't my address and she immediately implied that I was lying and that I owed $8k to a school in Florida that I hadn't been to, or had contact from since 2001. I said as much and was told that they got their information from the school, and that I signed a contract saying that I agreed to pay the school this amount of money for tuition for a semester I wasn't even enrolled. When I demanded a copy of this contract, I was very rudely told that if I didn't already have a copy in my records it was my own fault and that I needed to pay the full amount right then. I advised them that even if I was inclined to believe any of this I didn't just have $8k lying around to just give to a collections agency. The agent then informed me that I needed to go get a personal loan and then call them back when I had the money.

At that point I demanded to know the contact information for person at the school which provided them with this information, stating that I would be calling up the school to verify this information. The agent told me that they don't have the information and if they did they couldn't give it to me. I told her that was fine, I'd look up their financial aid department number online and hung up on her. I called the school and was informed that they couldn't find anything in the system with my name. So I was transferred to another office. They were able to find an account; however, the address and phone number were completely different (still very much incorrect) from GRC address and phone number, and there was no balance showing on the account. Not only that but they had an address for my parents from 2007 or 2008.

When I asked if there was a way to find out if there was any kind of contract stating that I owed them $8k, I was sent to another office and had to leave a voicemail. When someone finally got back to me 4 days later, I was told that they had an account with my name and Social Security number that had a balance of $8k. I asked about the supposed contract for this account and was told that it was signed electronically and that I should have a copy in my records. When I said that I had looked through all of my records from them and couldn't find anything, they told me that it was turned over to collections and told me that I needed to contact them. I asked why I had never received any contact from the school regarding the account, they had my forwarding address and phone number from the other two loans that I DID have for them that had been paid off, and was told they sent it to the address on file.

When I said that wasn't my address, they told me I must have lied to them so I wouldn't have to pay, told me I needed to make arrangements to pay with the collections people and hung up on me. I have never been able to get anyone to provide me with proof that the "loan" was mine and was advised by a lawyer that I just needed to make payment arrangements because that was the only way the issue would get resolved. I was basically forced to make arrangements to pay them $125 a month with no proof as to whether or not the debt is actually mine. All this after I had worked so hard to clean up my credit report and get myself back on my feet after years of hardship, and IMMEDIATELY after I had just finished paying off one student loan for the SAME school.

Now, I see that GRC hasn't taken a payment for my account since December 2013, and I have received no contact from them regarding the account via mail or phone... and it is nearly February. I have called and left messages with them and contacted them via their website, but I have received no contact from them about this account. I very strongly believe that they and the school forced me to pay on a debt that wasn't even mine, and that the addresses and phone numbers that were incorrect were fabricated to make it look like I deliberately falsified my information to keep from paying them, so they could say they sent contact to me when they never did. Now I must find out why the payments have stopped, and if by some miracle they found the person that the debt does belong to, I will have to find out how I can get the money that I paid to them back into my bank account.

These people are horrible. They lie, threaten, and deliberately try to make you feel like a scum bag. The school in question isn't any better and I tell everyone I know that they should never go there because their financial aid department cannot be trusted. I think it is completely ridiculous that that I owed that much money that I never received any contact from the school or a student loan company about the debt, ESPECIALLY when the collections agency and the student loan company had access to my credit reports, and the school had access to my forwarding address when I moved from Florida. On top of that, no one can seem to tell me how it is that it's ok for them to only attempt to "collect" after the supposed debt in question was 12 years old. Again GRC is horrible, never having to deal with them again won't come soon enough.

The woman continued to talk over interrogation style like trying to intimidate me into giving her personal and private information. I told her I don't know who you are and I don't have to prove I am who I am to anyone to calls my house unidentified. I told her she was extremely unprofessional and then she informed me she was calling about my student loan from CMU. Now she still had not identified herself and was making it seem as though she was calling from CMU. I said I still don't know who you are but I am dealing Angela ** the Senior Specialist Collections Clerk.

I again asked her where she was calling from she said GRS. I asked what is GRS? She said General Revenue Services. My called ID showed she was calling from 855-397-2355. I immediately told her to cease communication as she has violated several laws under the Federal Debt Collection Practices Act. I have not received my a validation notice giving me 30 days to dispute the validity of the debt and request proof of same. This notice is required to have the Mini Miranda Notice within the document which states "This is an attempt to collect a debt and any information obtained will be used for that purpose". Also within this document it must also state, "If you are disputing any portion of the debt you have 30 days to request validation". If a person calls you they must give you the Mini Miranda rights over the phone on the first phone call regardless if the notice was sent or not which it is required to be sent prior to contact.

The woman kept talking over me. I finally disconnected the call... I called Central Michigan University and spoke to Angela ** about the abusive collection agency they are using who is insinuating they are calling from CMU and is trying to collect interrogation rogue style and is breaking the Federal Debt Collection Practices Act on all fronts and I explained those to her. She seemed clueless as to the laws. She gave her supervisor as Brian **, the Associate Director of Financial Operations at Central Michigan University. I advised her that I have paid the school well over $30k in undergraduate tuition and graduate tuition and this is how they are going to treat a faithful student by sending them to a barbaric company who violates students' rights and breaks laws set in place to protect consumers.

She had nothing to say. I told her I am contacting legal aid and this has to stop. I told Angela ** to call the company and gave her the date and time of phone calls and insisted she pull the recorded phone call. She did not indicate she would do anything and would not pull my account back from GRS who broke laws and devalued Central Michigan University students. THANKS, CENTRAL MICHIGAN UNIVERSITY FOR SENDING MY ACCOUNT TO A COLLECTION AGENCY AND ADDING $300.00 FINE TO MY SMALL BALANCE OF $1000.00. I SEE YOU REALLY VALUE YOUR STUDENTS AND THE LAW!!!!!

So again, I went over the fact that my hours had been cut down to 32 hours instead of 40. Also, my pay had been cut by about $250-$350 every two weeks and that paying my house note and eating was coming first. The lady stated that they were there to help and made everything sound like this would be a good arrangement. At this point, I was asked to pay in $3,000 down and $200-$300 each month. I just kind of laughed at her and told her she must not have been listening. Hello, do you think I have that in the bank? I'd be paying my loan off with that if I did. She asked how much I could pay and my response was the same, I was paying Sallie Mae $100 a month. We made the arrangements and so far, I have paid the first month a total of $200. It was $100 down and then $100 on the 25th of each month.

Okay, so I've gotten three statements already and it is only the 14th day of the following month and now I owe more than what I did when this whole thing started. The interest rate has doubled. Who in the heck can pay off a loan that just keeps increasing? I called them and got a voicemail, no return call. So tomorrow, I will be calling to cancel their service and if they don't stop, I will close my account. I have contacted my lawyer and was told that I signed a 10-year agreement with Sallie Mae to pay off this loan. It has only been six, so why is it going to a collection agency in the first place? I had three loans, one was a 3-year pay off and it was paid before three years. These last two were a 10-year agreement and it will be paid before then. I think these people are sneaky and misrepresent themselves to people as helping you.