Date Received: 2022-02-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: With the announcement of the new PSLF Waiver program, I submitted my first PSLF application on XX/XX/XXXX. It was denied on XX/XX/XXXX because my loans were XXXX loans up to XX/XX/XXXX. For that reason, the servicer declined to verify my XXXX years of non-profit employment, but did note that one verification would require a wet signature. Assuming that Fed Loan Servicing had not updated its review process to the terms of the waiver, I resubmitted by PSLF application- with wet signatures from all employers- again in XXXX. I also filed a complaint with Student Aid .Gov, and I received a response stating that my servicer would need time to update their review process. I received notification on XX/XX/XXXX, that my second PSLF application was received. After waiting 3 months, I call Fed Loan Serving. I received a call back and the agent told me that my second application had been rejected, but that she could not access the file to tell me why. I stated that I had not received a copy of the rejection nor was there a copy of the rejection in my online account. She said she needed to transfer me to a PSLF specialist. I had to hang up because I was at work and I had been on hold for over one hour. After the call, I uploaded complete copies of my payment history for my loans, and I received a form letter XXXX days later stating that my PSLF application was received. This was the same letter I received twice before. I have been employed with nonprofits for over 20 years and have made more than XXXX payments towards my loans. I was ill-advised to consolidate my loans to XXXX loans, and now with forgiveness in sight, Ive lost all faith in my services commitment to process my waiver and the Department of Educations oversight of the process. Can CFPB help?
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2022, I was denied XXXX XXXX XXXX XXXX ( XXXX ) & Temporary Expanded XXXX ( XXXX ) that I should have been approved for based on the new XXXX program requirements. I need your help with getting this matter resolved. I have {$18000.00} in public student loan debt that should have been forgiven based on the new XXXX program requirements. After taking all of the appropriate actions and submitting all of the required documentation, I received an email from FedLoan Servicing stating that I have only made XXXX qualifying payment. This is not correct. Under the new requirements, including that periods of repayment under any plan count and periods of repayment on loans before consolidation count, even if on the wrong repayment plan ; all of my payments should count, and all of my student loan debt should have been forgiven. https : //studentaid.gov/announcements-events/pslf-limited-waiver I have an amazing payment history and never defaulted on my loans. I have also made more than the required XXXX qualifying payments and taken all of the required actions including : ( XXXX ) completing the Direct Loan consolidation by transferring my student loans from XXXX XXXX XXXX ( XXXX ) to XXXX XXXX XXXX, ( XXXX ) submitting the XXXX application, and ( XXXX ) my employer verification forms documenting my XXXX years as a full-time federal government employee. I also noticed that XXXX of my employment verifications forms ( showing XXXX years of full-time federal employment at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX is missing from my account. I have attached supporting documentation for your review, including my student loan payment history and full-time federal employment for the past XXXX years. Since receiving the denial email on XX/XX/2022, I have contacted FedLoan Servicing several times but was put on hold for hours and unable to get through to a representative to obtain guidance on how to fix this problem. I understand that the representatives may be busy ; however, there should be a way for me and other people seeking help to get a timely access and a response. Consolidating my loans into the XXXX XXXX program was seamless; but getting my XXXX benefits has been very stressful. As a veteran and military family member, Ive experienced stressful situations and have compassion for people on the other end trying to help. I cant image what others are going through who have less experience dealing with these issues and are in financial duress.
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: When I graduated with my XXXX XXXX in 2007, I had intended on taking part in XXXX program. However, I was not offered any information about this even when I called many times- it was always unclear. I did not get a teaching position right away and therefore could not afford to pay these loans, so they went into deferment. When I called about this, they immediately put them into deferment instead of offering me information about income based repayment plans. I ended up learning about this from a friend years later. These smaller payments could have been made and would have counted towards my XXXX years of payments had I known. When I did get a teaching job and found out about the IBR I needed for the program, they did not tell me I needed to consolidate my loans in the beginning. Then, when I went back for a second XXXX XXXX, without notice, my loans were ere back in in-school deferment. Again, all of these payments could have been counting towards my XXXX years for forgiveness. Now, I am years behind because of lack of information given about programs and deferments. With the waiver in place this year to potentially make it easier to get forgiveness through the XXXX this year, Im afraid that even though I have been in public service- teaching- for XXXX years, I might miss out on this opportunity because because my loan providers were never straight forward with me on how to make this work successfully in my favor.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Can not get through to a person and when I do I am given the wrong information.
Company Response:
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Here are the facts : I have been a full time public XXXX XXXX in California for XXXX years without any gaps in my full time employment as a XXXX. I am a XXXX for the XXXX XXXX XXXX XXXX. I was hired on XX/XX/2002. XXXX XXXX XXXX XXXX is part of XXXX XXXX XXXX XXXX. The XXXX number is XXXX. I have been paying on my student loans for over XXXX years. I have paid over {$40000.00} toward my student loans, which is more than I borrowed. I have applied for the XXXX XXXX times. Fedloan Service always finds a reason to deny me loan forgiveness. My account was NEVER delinquent. Originally, I did not qualify for XXXX because my payments were not the right amount. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for XXXX. Twice I was told by Fedloan Servicing representatives that I would absolutely qualify for XXXX before submitting my applications. Just as I was eligible for XXXX, Fedloan Servicing changed the eligibility requirements from XXXX to XXXX qualifying payments. I recently consolidated my student loans, because according to the FSA website, that is what I needed to do in order to qualify for the XXXX waiver. Now I am told that I have XXXX out of XXXX payments to go. My health suffers every time I go through this process and get denied. It is extremely stressful and causes major anxiety. This feels like a big XXXX fraud!
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Sense the beginning of 2011 i have bren shifted around frim loan services to new ones and never get answers i never received diplomas also from XXXX XXXX university i was denied semester fund reimbursements when classes were dropped on schools part. I have tried disputing funds sense i am not a nurse because of there. school
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A