Date Received: 2022-02-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Upon finding out that my current employment as a XXXX would qualify me ( as of last XXXX ) for PSLF, I submitted my employer information document. I had made sure to check every box as I was a teacher beforeXX/XX/XXXX, and was very close to forgiveness. I had the proper qualifying loan, I had counted every payment, and I was sure that I had reached the qualifying 120 payments for eligibility for forgiveness. When I submitted my paperwork, FedLoan Servicing informed me that I did not have enough qualifying payments. I went to check their payment tracker and all my payments from XXXX were disqualified because they claim that an amount was not due for those billing periods. I looked into my paper records and found three examples of bills from those periods with amounts due. I made those payments on time, yet they were not recorded. My guess is that when my loans were transferred from XXXX XXXX XXXX to MyFedLoans, some mistake was made in the classification of these payments. I included in my complaint to the company the following documentation of their records and the paper bill that contradicts their records. XXXX XXXX XXXXXXXXXXXX XXXXsharing The documents clearly show that not only were there bills due for the dates in question, but that I had paid them. They reviewed the information and replied with the following : _____________________________________________________________________ Thank you for contacting FedLoan Servicing. Per your request we have completed our review of your eligible and qualifying payment counts in your pursuit of Public Service Loan Forgiveness ( PSLF ). We can confirm your payment count is accurate and now consider the matter closed. You can review the details of your payment history, including all periods that we reviewed, by using self-service features at any time by signing into Account Access at MyFedLoan.org. You will find your payment count information under " Payments and Billing, PSLF Payment Tracking. '' You can also review all eligible repayment plans for PSLF and TEPSLF, and other eligibility information at MyFedLoan.org/PSLF. We appreciate the opportunity to service your student loan account. _____________________________________________________________________ I called and the agent said " Not to worry because my loan would be forgiven eventually under the special XXXX payment waiver. '' They then closed the conversation. Although it may be true that the waiver will make me eligible for forgiveness, I would like my forgiveness now as my employment is soon to change, and I need to get this situation closed currently. According to the terms of the PSLF as originally stated, my loans should be forgiven with the current number of payments as the first 39 payments of the 127 I have made have been misclassified as being ineligible payments when the documentation I've provided shows they are eligible. I need this situation resolved as soon as possible as my employment is set to change soon.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: U.S. Department of Education sold my information to Fed Loan and Fed Loan sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This has been a on going battle for over 3yrs. I have 2 fed loan accounts that were used while I attended XXXX in XXXX XXXX. I was contacted by the education board recommending i file for a loan discharge due to the schools falsely posting job placement numbers. I did file and my accounts were placed in adminstrative forebearance, in which i continued to make payments. Fast forward early XXXX XXXX I was purchasing a new car. Everything was good until I got my credit report showing both my fedloan accounts have 3 missed payments each ranging from late XXXX into early XXXX. Around the same time every payment I made after the date I filed for a discharge was returned to me. I figured my loans was discharged. a month later I was notified my loans were not discharge and I need to continue making payments. Thats when I saw all the missed payments. I have spent the better part of 2yrs going back and forth with fedloan trying to correct this issue. Finally a manager looked into it and found the education board made a mistake and was not suppose to send the payments back and if I paid the full amount for both accounts they would fix the history. Mind you at the same time they sent me a letter stating my accounts are in adminstrative forebearance from mid XXXX to now so how could I have a missed payment?. So months and many phone calls later nothing. Only after filing close to 10 credit disputes did they finally fix and remove missed payments from only one of the Fed loan accounts. The other account at the end of the dispute I'm told meets fcra requirements and nothing is fix. Ive contemplating getting a lawyer and taking legal action due to ultimately damaging my credit causing me more money on loans and credit cards as well as falsely reporting on my credit report, at no point in time was I ever contacted from fed loan or the education board to rectify this issue. I guess we just report whatever we want to anyones credit report without their knowledge or atleast a letter or phone call.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: American Education Services ( AES ) is collecting student loan debt in my name that seems to have originated from a maze of student loan lenders, including XXXX XXXX XXXX XXXX. Upon tracking down the origin of the purported loan in my name, the original loan was created under false or fraudulent circumstances ( though the information is rather opaque ). It is the reason why the loan has had a 0 % interest rate since before the pandemic - because it is a fraudulent loan - a junk loan. Upon reading several articles and threads, it seems that this junk loan was supposed to have been dismissed years ago ; however, it seems that AES purchased the junk loan from another servicer and began collecting on it under a different name- which is all extremely concerning behavior. Using the advice of council, I contacted AES and asked for a Master Promissory Note. They sent me a generic document that DOES NOT include ( XXXX ) my name, ( XXXX ) my signature, ( XXXX ) any information about the debt they claim to own, ( XXXX ) any proof that AES indeed owns the debt in the first place. Therefore, we asked AES to cease collections immediately.
Company Response:
State: OR
Zip: 97405
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have requested forgiveness under the Public Service Loan Forgiveness waiver. For six years I worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I provided my XXXX form that verifies my employment for those years and it has been denied as evidence of my work as a civilian. This is the official form the Department of Defense uses to document federal service. The Fed Loan Servicing said they require the PSLF form to be signed. The XXXX XXXX XXXX XXXXXXXX XXXX who should sign this verification does not have a way for former XXXX civilians to contact them ( your account is discontinued when you separate from civil service and there is no phone number or email to contact ). The human resources at the office I worked for provided a letter to verify employment but FedLoan Servicing will not accept that. They did say they would accept signature from my former direct supervisor but he is dead. The other thing they said they would accept is W2s, but I am missing my W2 for 2009 and the IRS will not provide a tax transcript for that long ago. In addition, the rejection of my application sited the wrong reason for rejection. If I had not called and asked, I would have provided the wrong information and not addressed the actual reason for the rejection of my application. In addition the FedLoan Servicing said they requested that my loans be transferred from my current loan servicer, XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX claims they have not received the request and claims they have no way to verify. So the two servicers are providing contradictory information and will not talk to each other.
Company Response:
State: UT
Zip: 84103
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX, I returned to school to get a XXXX XXXX and my undergraduate loans were placed in in-school deferment. I was employed by the federal government and pursuing Public Service Loan Forgiveness. I remained on the in-school deferment until I completed my program in XX/XX/XXXX. The new waiver does not give credit for in-school deferments towards the XXXX payments requirements. I feel like we should be given the option to take those student loans out of deferment and make back-payments ( for the same amount we paid back then ) to count towards the XXXX payments for PSLF.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: At the end of last year I looked into my public service loan forgiveness status as I have worked full time for the same non-profit for the last 9 years. I read on Fed Loans website that some of the loans I had were not eligible because they were in forbearance or differment. I had no knowledge of loans being in forbearance or differrent. The website stated to correct this I needed to apply for a consolidation. So I began the process. I revieved correspondence that said I could loose the credit I had already earned toward XX/XX/XXXX so I tried to stop the process. Further I got correspondence that my application was incomplete because I had not provided the appropriate references - my application was processed any way. The loans were consolidated - fastest process I have ever seen. I have NEVER experienced anything quicker from Fed Loan. Every year I verify my employment and wait almost the entire year or never to hear a status update. I then recieve notice that I lost all my years of credit toward PSLF. I have been on hold for over 2 and a half hours. My first call went in to Fed loan at XXXX - someone called me back about an hour later but could not see anything on my account- she tranferred me and here I sit on hold. I am angry and deeply saddened by this process. As I mentioned I have worked full time at the same non-profit agency for 9 years - this XX/XX/XXXX is a joke if all those years count for nothing. I would leave my number but- don't bother as I will most likely still be on hold with Fed Loan
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My loans/payment during that was serviced by XXXX XXXX transferred to Direct Loans then again to its final destination FedLoans. My payment history only goes back to XX/XX/XXXX! I finished undergrad XX/XX/XXXX. Started Grad XX/XX/XXXX I have always been qualified bc I worked for DOJ and XXXX XXXX to present date. However I have no history of payments from XXXX. I am unable to retrieve even XXXX transcript from that far due to XXXX own regulation, not my tax preparer has copies. Im also unable to find HR to even verify my DOJ employment with a signature. All I have is my XXXX of service that may not be acceptable to verify my employment. XX/XX/XXXX, sent request for XXXX request of payments, hoping it goes further than Dept education records which stops at My bank from that period is obsolete, bank has been closed or bought out ( XXXX XXXX ). I have no record of payments. Direct Loans is not even in business to retrieve payment history. I dont see how my payment history would not be transferred to FedLoans ( XX/XX/XXXX ) even after I was in XXXX in XXXX to receive accurate counts. I had put too much trust into system to keep tracking for me-my mistake. Its disadvantageous years of payment to not receive credit. I was not aware these payments were not counted due to a knowledgeable group of people helping others voluntarily to go thru this process -now that the Temporary Waiver XXXX rules have changed and we can receive retroactive payment counts prior to our enrollment. XXXX of old records I can not retrieve I have overturned as much as possible. Not sure I can get assistance finding this information. Also, I was put into a few deferment and forbearances XXXX being a time I was still working and going to school XXXXXXXX XXXX, making student loan payments. I did not request that deferment bc I was still able to make payments. ( XXXX ) I think my loans were with XXXX. Economic Hardship Forbearance I recall speaking with Fedloan rep asking of a lower payment due to being on XXXX XXXX XXXX, XX/XX/XXXX. However I now know, it was possible to be qualified for {$0.00} payments or lower than my monthly, I was told NO other payment option under their plans. I was placed on general forbearance. I could been in compliance with my XXXX payment track to XXXX.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In XXXX, I was transferred to XXXX XXXX from Direct Loans. I was with XXXX XXXX until XXXX, when I applied for XXXX. I was then transferred to FedLoan Servicing and was told I did not qualify for XXXX due to having the wrong type of loans and the wrong repayment plan. It wasn't until XX/XX/XXXX, when the XXXX waiver came out, that I began pursuing XXXX again. I thought my loans got consolidated when they were transferred to FedLoan, because I was only making one payment to FedLoan, which was coming out of my checking account monthly as an auto draft. I had read that if you are making one payment it meant you had a consolidation, and because of this, I did not apply for a consolidation right away. I began researching online and Social media regarding XXXX. People were talking about only consolidating you loans if you DIDN'T have all Direct Loans and you WEREN'T already with FedLoan. For example, if you had XXXX loans. I contacted FedLoan several times and received conflicting information, like you don't have to consolidate because you already have Direct Loans. Then I read a question on the Student Aid website regarding the waiver asking HOW MANY PAYMENTS CAN I GET IF I CONSOLIDATE LOANS WITH DIFFERENT NUMBERS OF QUALIFYING PAYMENTS, WHICH STATES : " ASSUMING THAT YOU REPAYMENT HISTORY OVERLAPS FOR EACH LOAN, THE CONSOLIDATION LOAN WILL BE CREDITED WITH THE LARGES NUMBER OF PAYMENTS OF THE LOANS THAT WERE CONSOLIDATED. FOR EXAMPLE, IF YOU HAD 50 QUALIFYING PAYMENTS ON ONE SUBSIDIZED XXXX LOAN AND 100 QUALIFYING PAYMENTS ON ANOTHER SUBSIDIZED XXXX LOAN AND YOU CONSOLIDATE THOSE LOANS, YOU WILL RECEIVE 100 QUALIFYING PAYMENTS ON THE NEW DIRECT CONSOLIDATION LOAN. IF YOUR REPAYMENT HISTORY DOES NOT OVERLAP FOR EACH LOAN, THE CONSOLIDATION LOAN MAY BE CREDITED WITH MORE THAN THE LOAN WITH THE LARGEST NUMBER OF PAYMENTS ( FROM STUDENT AID WEBSITE ) ''. I began seeing that borrowers were getting total forgiveness ( in the six figures ) for loans that they more recently took out ( say for graduate school ), because they had XXXX loans that they had been paying of for XXXX, and they Consolidated their old XXXX loans with their new loans and received total forgiveness. I contacted FedLoan and XXXX XXXX, in which Student Aid would transfer me back to FedLoan, if I mentions PSLF or Consolidation. FedLoan would put me on hold for about an hour, then when I mentioned Consolidation they would say, " I will put you through to that Department ''. Then they would put me on hold for another hour. After several calls to get the information I was asking about, I found out there isn't a XXXX Department. I decided to send an email instead of wasting my time being put on hold, and never getting my questions answered. I emailed FedLoan on XX/XX/XXXX at XXXX p.m. asking " If I consolidate my seven *7* Direct Loans, will I lose my count for the XXXX waiver '' ( see XXXX. XXXX ). At XXXX p.m., I received an email back saying they would get back to me as soon as possible ( See 1b ). I never did hear back from them until XX/XX/XXXX, after I finally XXXX ( See 1c & 1d ). If you look closely at their email, it looks like they sent the email on XX/XX/XXXX at XXXX, but in fact I never heard back from them until XX/XX/XXXX saying the matter was resolved. It's ironic that after I filed the Consolidation on XX/XX/XXXX, they finally emailed me back saying it was resolved when they never even responded to my question to begin with. I emailed them back on XX/XX/XXXX at XXXX a.m. saying it was never resolved ( 1e ). I still haven't heard back from anyone. This was par for the course with Fed Loan, they NEVER answered any questions, and that's why I emailed. It is also shady that they were able to make it look like they ha responded in XXXX instead of XXXX. On XX/XX/XXXX ( See 2 ), they sent me a letter congratulating me on XXXX for two loans ( Sequence XXXX & XXXX ). On XX/XX/XXXX, at XXXX a.m. I decided to Consolidate my 7 Loans since they showed up on XXXX XXXX 's website ( See XXXX ). I submitted a Complaint with XXXX XXXX on XX/XX/XXXX ( See * ) and it is still in review. On XX/XX/XXXX I requested to escalate to the Ombudsman XXXX ( See bottom of 8 ). Still no response. I finally got through to a representative that told me to go ahead and Consolidate, and as I was getting my information together ( XXXX tax return, etc. ) they went ahead and forgave me for two of my loans ( 1 & 2 ), which were already Direct Consolidation loans. They never afforded me the opportunity to Consolidate all seven loans in order to get the highest count of overlapping payments that I have been making since XXXX. Also, they never let me know how many payments I have made over 120 to get a refund. On XX/XX/XXXX, I sent FedLoan an email ( See 4 ). I could only print it this way from their website about my complaint. I still haven't heard anything. On XX/XX/XXXX, a letter was sent to my FedLoan letter box ( See 5 ) saying they are in the process of completing my Consolidation and I had 10 business days from date of letter to change or cancel. On XX/XX/XXXX, I received another letter stating there were changes to my consolidation loan and 2 loans were removed ( see 6 ). On XX/XX/XXXX, I sent a live chat to FedLoan and they ended the chat with no explanation ( see XXXX ). On XX/XX/XXXX, I contacted FedLoan asking for a XXXX that understood Consolidation. It was going to be a long wait so I asked for a call back and I never received one. If needed, I can submit other documentation about who I spoke with when calling FedLoan regarding payment questions and Consolidation. My resolution is to be forgiven for all 7 of my loans ( as others have ) and that I get written documentation for all my payments that counted towards forgiveness for the two loans, so that the payments get carried over if they don't count in the other five. I am hoping to get this resolved before I am transferred over to another student loan servicer for XXXX.
Company Response:
State: PA
Zip: 16602
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Called XX/XX/31 to request a letter for my mortgage that shows my actual payment details. Request put in and I was informed it would take XXXX days. Called XXXX XXXX - informed they can see my request in their system and read the specific details of what needed to be included in this letter, he was not sure why I had not received it. He put in a new expedited request and said I would receive this letter in XXXX hours. Called XXXX XXXX - no letter received. Spoke with XXXX ( employee ID XXXX ) who confirmed again that he saw the request in their system but he had to put in a new request and it would take XXXX business days. informed him that I would lose my house b/c of their errors and requested manager. Transferred to XXXX XXXX employee ID XXXX ) who confirmed all details ( type of loan, payment, and recertification date ) and confirmed that she put in the request and letter would be received same business day. ( a letter was received, but did not include any of the necessary information ) Called XXXX XXXX and spoke with XXXX ( employee ID XXXX ) who states loan has been transferred to XXXX XXXX and they could not assist any longer, even though she could see the multiple requests in their system. Requested manager. Spoke with XXXX ( employee ID XXXX ) who states that they could not assist as loans have been transferred. Informed XXXX that I will lose my house and have spent multiple hours over multiple days calling this agency. He informed me to call XXXX XXXX. I pulled up the letter from FedLoans regarding my loan transfer and it clearly states that i would not have access to my account until my new account is loaded in their system. XXXX was very rude and kept telling me just to call XXXX XXXX b/c they could just email or fax me a letter. I questioned that answer since FedLoan was unable to do that and also informed him about the delay. He kept asking " why you just won't call XXXX XXXX and get the information from them ''. Requested his manager and he said I would have to wait on hold for a minimum of an hour. Again, I am going to lose my house without this information that i have been requesting for XXXX weeks! I am unable to wait another XXXX weeks for XXXX XXXX to do the job FedLoans should have done. Please advise on next steps to report this company and their awful business practices.
Company Response:
State: FL
Zip: 34772
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A