University XXXX , CTXX/XX/XXXX Discover Student Loans verbally harassed and disrespected me. They called me at inappropriate times, they hung up the phone on me, they stole money from me, they gave me the run around, they reported my loan to collections. XX/XX/XXXX they overcharged me on student loan payments. The charged me late fees when I was n't even making any real money. I signed up for an Income based repayment plan and they took out more money than was authorized out of my account. They did this multiple times. I had to wait a week just to call Discover Student Loans to find out they did n't even start the refund process even though they said they would. I ended up waiting an additional 2 weeks for XXXX refund. They stole more money out of my account a second time and I had to wait another 2 weeks for a XXXX refund. They never gave me a fair chance at paying off my student loan. I have complained numerous times XX/XX/XXXX and here we are XX/XX/XXXX with no help. The loan accumulated interest and got sent to a collection agency/lawyer. Discover Student Loans treated me like I was n't even a human being. I have never felt so disrespected in my life. I think I got harassed because I do n't have a white sounding last name, or because Discover Student Loans has a history of illegal practices.