<prompt> Human: So awhile ago my student loans went into collections because I forgot to continue deferring them and I moved twice in a short period and didnt update my address and therefore didnt get the notices. I admit it was completely my fault for not keeping up with it. Anyway, back in December I contacted the collection agency Account Control Technology that held my students loans. I gave them all my current information and agreed to give them a certain amount up front and then start paying them XXX per month and enter into the student loan rehabilitation program. So they asked for my details address, phone number, etc. and then went on to state: So, you agree that we can debit your account XXX 23? At which point I said no, we agreed on XXX, I JUST wrote it down. And they were like Oh, right. XXX. And then a little while later the representative said So, you agree that we can debit your account XXX 15? and I went through the entire thing again. Then they asked me for my payment information and I said Id need to call them back at 6pm when I got home from work because I needed access to my check book first. They then told me that didnt work and I needed to pay immediately because their lawyers were just about to file a lawsuit against me if I didnt pay right then. And I said that I physically could not give them the information because I was at work and my checkbook with my account number and routing information was at home. They then said that I really needed to pay right that moment or else theyd sue me that day. I then told the agent that I HAD CALLED THEM AND WANTED TO ENTER INTO THE LOAN REHABILITATION PROGRAM, I WASNT BEING DODGY and to basically cut me some slack. They then transferred me to a supervisor to get approval to hold off on suing me right that moment. The supervisor also tried to strong arm me into paying right then, but I told them I didnt have my checking information in front of me and wouldnt be able to get it until 6pm. The supervisor then acted like they were doing me a favor and said theyd put a note in my file to hold off suing me that day as long as I called before 6pm and gave me their extension number. Anyway, I called before 6pm, gave the supervisor my payment information and the supervisor was like: So, you agree that we can debit your account XXX 21? I said no, we had agreed on XXX. And they were like, oh right. sigh Anyway, I asked the collection agency to send me a DETAILED list of my loans with the collection fee and interest rate information, which they promised to send out. They also told me I could log onto their website and get said information. I created an account which really just seemed like an information phishing thing. It said I successfully created an account. I tried to log onto their website and it...did nothing. I repeated the entire process again and it didnt work. I tried in a different web browser, still nothing. I tried again to make an accountlog in in February when I still hadnt received the detailed list of my loans from the collection agency. Still no go. On my most recent April statement I noticed that they had increased my collections fee by almost 200 over the course of 4 months. It was just slightly less than the amount they had charged me in interest. O_O So I called them again and asked them about it and they said that it was usafunds the original holder of my loans that assessed the collection fee and they must have incurred some extra expense in attempting to collect my student loans since I... voluntarily... entered repayment back in December... Which just sounds like a blatant liescammy bullshit. Anyway I asked again for a detailed list of everything which they, again, promised to send me. I also attempted to make an account for their website while on the phone with the representative on two different web browsers. It kept saying it didnt have any record of my account. He made some excuse that I needed to clear the cache and to try again some other time. I immediately cleared the cache which takes two seconds and tried again without letting him off the phone. Still didnt work and all he had to say was basically Im SOL. But hed send the detailed information I requested for the second time. Needless to say Im pretty unhappy with the dodginess, strong arming tactics, questionable increased collection fees and general lack of forthcoming information from them when I voluntarily contacted them to get back on track. Im so pissed its not funny.  <response>: TL;DR Tried to deal with debt collectors over the phoneinternet and got screwed.Moral of the story: get shit in writing. 