University Accounting Service, LLC ( " UAS '' XXXX XXXX https : //www.uaservice.com/ ) is a student loan servicer. They service my XXXX Loans from the University XXXX XXXX XXXX. 

UAS brings up the same screen every time I log into my online account. The screen gives a statement in legal jargon. Then there are two choices : " I agree with this statement '' or " I do not agree with this statement. " The default is " I agree with this statement. " The statement effectively amounts to a waiver of an important consumer protection right -- the right to have correspondence with debt collectors in writing. 

There are two problems. First, the method of asking this question in itself is an abusive act and practice under the meaning of XXXX XXXX XXXX. Second, the fact that UAS asks me the same question every time I log in is a harassing tactic. 

This is an abusive act or practice under XXXX XXXX XXXX in the sense that it takes unreasonable advantage of consumer misunderstanding. The statement is provided in a way to trick consumers into agreeing to the waiver. It utilizes consumer inertia by making the default that they agree. It also utilizes consumer misunderstanding, because most people are used to mindlessly clicking I agree for online legalese and fine print such as for the changes in XXXX terms and conditions that occur every other week. By repeatedly asking the question and making consumers answer more than once, the strategy clearly intends to prey on inattentive consumers who accidentally make a mistake once. 

This is also a tactic designed to harass me into accepting a waiver of my consumer protection rights related to debt collection. Once I answer that I do not agree with the statement, UAS should never ask me again. Not only do they continue to ask me, but they also give me no option to tell them to stop asking me.