Seems only fair. I recently got a form letter from the people handling my student loan, informing me that their annual income-based payment calculations had been completed, and the new monthly amount was enclosed.
It wasn't. I looked carefully.
Nor was the amount named in a second, identical letter (I don't hit my mailbox every day) from the same entity.
However! A third and fatter letter included a routine monthly statement, complete with envelope and payment stub. According to this wholly automated communication, this month I owe $45,000.
Evidently they know something about my income that the bank isn't telling me.