Discover student loans services my private student loan from XXXX XXXX XXXX XXXX. I made a payment on XX/XX/XXXX and it cleared my bank on XX/XX/XXXX. But I continued to get late notices including XXXX phone calls and XXXX letters overall stating I could have the late notice reported to a credit history company. After a phone call and further e-mails the payment was finally applied on XX/XX/XXXX. To avoid further issues I applied over the phone for auto debit payments for this loan. I got a letter stating my auto debit application was being processed. XXXX weeks later I e-mailed Discover Student Loans to confirm the status of my auto debit payment but was told the did not have any of the information needed for the auto debit process ( banking account number ). This program offers a 0.25 % interest rate reduction which I will be missing out on for at least another XXXX months due to this delay.