Inconsistent fico line item data for updating

Here's my drama with Fed Loan Servicing, and why I feel like Fed Loan Servicing is a scam.Fed Loan started off poorly in the fact that I had to re-sign-up for all of the direct debit and online statements that I already had setup with the Dept. To make matters worse, there is a lag time of approximately two billing cycles before my direct debit would kick-in.Also, my student loan qualifies for an interest rate reduction if I sign-up for online statements.Well, I lost the reduction, and had to re-gain it after the transfer.A "CLAIM" IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND CREDIT.

Bank of America..it is 3 months past-due, am I correct that at that point, it sits in the internal collections department of Bof A?(I had this happen to me, but not sure if this is correct).Part B: After this account was Charged-Off, did Bof A sell the debt or did it assign the debt, and how would I know?Part C: Since a Charge-Off is a Write-Off (and in this question - Bof A), usually doesn't the bank, Bof A write the ENTIRE amount off their books as uncollectable debt and get covered by FDIC for the entire amount, and if so - how then can they sell the debt to a collection company if they already got paid..do they only sell 10% of it for (i.e.- 10 cents on the dollar for the entire amount) and get covered for the other 90%?

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