My XXXX XXXX bought my private loan servicing contract from my lender XXXX Bank, XXXX. I never agreed to this, but do not have an option. I have been in XXXX school for the last XXXX years, and at the start of each semester am harassed for a payment despite automatically being entered in the XXXX XXXX XXXX. An auto-dialer calls both me and my co-signer at least XXXX a day, states " this is XXXX XXXX '' and hangs up. This is not the complete message, and when I call to request a stop to the calls I am told they can only provide temporary relief. I am also told I may not speak to a manager, and I may not have the phone number for XXXX Bank. XXXX Bank charges late fees, which I have no recourse to dispute since XXXX XXXX will not remove them, and will not give me contact information for XXXX Bank. The automated phone calls are harassment and the late charges and inability to escalate a claim are unconscionable contract terms.