In XXXX of 2015, I set up a XXXX month forbearance with Genesis Lending in which they would deduct {$40.00} every month for XXXX months. I received a letter stating what was set up over phone and another statement stating that it was going to deduct on a particular date as I had set up in XXXX and the payment was deducted accordingly. My father, who is a co-signer on this loan received a letter dated XXXX XXXX, 2015 stating that this account is past due and payment was owed immediately. I called Genesis Lending and was told that my forbearance was processed incorrectly and that the last associate I spoke with was wrong in the terms of repayment that they offered me. But because this was their mistake, he offered to fix this for me and to put a new plan of forbearance in for processing that would be {$40.00} for 6 months, {$80.00} for the next 6 months and then {$160.00} for the following 6 months. When asked why I had not been advised as to this processing issue he stated that a representative had called me on XXXX XXXX, 2015 and was unable to leave a voice mail. I never received a call from Genesis Lending. When I asked why I had not been notified in writing he responded with " I do n't know ''. I got no answers, but just an offer to change my forbearance plan to something I did n't originally agree with. This company has not learned its lesson and is BAD business. 

I attended XXXX XXXX in XXXX, GA from XXXX