Date Received: 2022-02-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am now eligible for PSLF due to the limited waiver from XX/XX/XXXX and qualify for forgiveness on the loan that I have paid on successfully for over 15 years while I've been employed by the Federal govt. I had tried to apply prior for loan forgiveness, but was told my loans didn't qualify. I followed the directions for the limited waiver to consolidate my prior loans into a direct loan, which I did on XX/XX/XXXX. Once I received notice that the direct loan was completed on XXXX XXXX, XXXX, I submitted the PSLF application on XXXX XXXX, XXXX. I then get an email XXXX XXXX XXXX, XXXX from Fed Loan Servicing saying I have only made one qualifying payment and in my online account with them it is saying employment not certified. But, to even submit the PSLF form, I had to have my employment certified by my Federal agency, which I did. I called the PSLF number listed on Dept of Ed site, XXXX on Mon. XXXX XXXX, XXXX and was told that I yes, had 1 qualifying payment but the agent could not answer any PSLF questions. I hung up and thought about it more, and wasn't satisfied with that answer so called back again, waited on hold, spoke to an agent who said he could not answer PSLF questions, so he then transferred me to PSLF line and waited on hold again. The agent that handled my call was able to provide more information and was able to determine that my payments were considered prior consolidation payments but there is no way to track that online or know the progress that Dept of Ed is making to review to see if those payments count or not. I then logged into my account on Dept of Ed/XXXX and it's saying that I'm not eligible for PSLF and that I have not been in repayment for at least 10 years and do not yet qualify for PSLF. At this point, I have no idea if I will receive forgiveness or not and who can help.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Since XXXX til XXXX graduating I have never been made a payment because I couldn't afford to and they would always put my loan in a forbearance or a deferment. As well as since I graduated in XXXX. I am within 9 years of retiring and will not receive much due to choices I had to make to care for my family. During all this time I filed for bankruptcy twice and was always told that I couldn't include my student loans. I even received student loans in XXXX I was not entitled to per XXXX but yet they still gave me the funds to attend school. I now owe over XXXX. Only XXXX and something in interest. Although I consolidated my loans many times in order to just have one psyment. I have no idea how I'm going to afford this. I have XXXX every two weeks for medication food and gas and it is not always enough especially when a new medication is added for treatment.
Company Response:
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PTF document reflecting all items that were found to be unauthorized by any such.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been enrolled in the Public Service Loan Forgiveness program with verified employment since XXXX. With the temporary expanded waiver, I am well over XXXX payments which include partial and late payments. MyFedLoan has rejected my application for forgiveness, listing the outdated criteria on the rejection letter dated XX/XX/XXXX -- well after the criteria was widely disseminated. I have tried to resolve this issue directly and they say they can't do anything because it ; s the XXXX XXXX XXXX XXXX problem. I filed a complaint with Federal Student Aid and have heard nothing. I have made XXXX qualifying payments and my loans need to be forgiven immediately. MyFedLoan is wrongfully rejecting my application.
Company Response:
State: DC
Zip: 20017
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I qualify for the Public Student Loan forgiveness ( under the temporary relief program ). I had two different servicers initially ( XXXX XXXX XXXX and American Education Services ). The loans from American Education Services had to be consolidated and were transferred to Fedloans. These loans were forgiven on XX/XX/2021. The loans from XXXX XXXX did not transfer over and I called both servicers trying to get them transferred. Eventually, someone at XXXX XXXX was able to get them transferred to Fed loans. The issue is that my employment date is incorrect. The correct dates are in the portal at Fedloans and have been since I initiated this process in XXXX. Also my payment counts are showing that they are ineligible because my employment dates are incorrect but clearly the form shows that I have been at the same employer for the past 11 years. My account has definitely been mishandled and I am dissatisfied by the lack of knowledge as provided by both servicers.
Company Response:
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have had XXXX as a loan servicer for years. I work for the US Senate and my loans are now eligible for forgiveness. I started the process in XXXX. I was told it would take 90 for XXXX to transfer my loans to FedLoan for servicing and the transfer is still not complete. XXXX has now turned their servicing over to XXXX which told me today the problem is on FedLoans side of the process. I keep getting the run around from FedLoans. Its not been over four months and Ive been on hold with FedLoans for two hours. Horrible customer service and an automated system that does not work. How have they not fixed this yet?
Company Response:
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have had a lot of problems with Fedloan and the PSLF temporary waiver process. They gave me conflicting information over what I should consolidate. I called twice and it took over two hours to reach someone. I consolidated only my FFELP loan in to a direct loan but now they wont answer my emails. I keep sending them the letter where they approved my employment under the PSLF waiver but they keep saying I need it. They have not updated any payments toward my loan and they have not transferred over my large Direct Loan from XXXX XXXX. XXXX XXXX got my loan from XXXX without my consent. They also sent me a letter indicating that I should perhaps consolidate the FFELP with the prior direct loan but I did not do that because their person on the phone said not too. This waiver program is a mess. They processed my application in XXXX and they approved my employment. Now they say they just got my application and have not confirmed my employment. I sent them copies of their own letters and they refuse to answer my emails? I should have at least one loan that should be forgiven as I have worked for a state university since 2007. They are giving bad advice, dont understand the waiver, not answering emails, and not updating anything. Please help as this program is a mess. Thanks. XXXX XXXX
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have a student loan with American Education Services. They purchased my student loans at some point and I have been making payments through the XXXX XXXX XXXX Plan. I received a notice that I needed to renew the XXXX plan last year. I had actually already completed the process through XXXX so I was confused as to why it wasn't processed. I called AES and was advised that I needed to do a separate one with them. The person I spoke with said he could do it over the phone with me. I believe this was in XXXX. I completed the process and went through all the steps with him while we were on the phone. At that point, I was advised that I had submitted the request and my payments remained the same until I received a notice in XX/XX/2022 that my new payments would be XXXX 's the amount. I called AES to find out what happened and was told that I didn't renew the XXXX plan. The woman I spoke with advised that she saw that I did it over the phone with the processor, but it wasn't completed. She said we could do it over the phone that day, but I would still be responsible for the payment for XXXX. She was very eager to advise me to select forebarance for XXXX, but I remembered being coerced into this situation with another company who failed to tell me that if I elected forebearance my interest would be added to the principal. I completed the XXXX. On XXXX I received a letter from AES saying the following : Interest has been capitalized on the loans listed in the Loan Information section. This occurred because your forbearance, deferment, or grace period ended. WHAT THIS MEANS TO YOU Accrued and unpaid interest has been added to your principal balance. Your payment amount may have been adjusted to ensure your loans are paid off within the applicable timeframes. When I called AES and spoke with XXXX XXXX she said that it was strange, but when she looked into it she said that it was because I didn't renew the XXXX on time and if that happens then the interest would be added to the principal. Not only was I not advised of this at any point, but I did in fact renew on time and the person who assisted me with the XXXX application the first time failed to complete the process or tell me what steps I needed to take.
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have student loans dating back to my years in college XXXX. The loans have been sold across XXXX different services in that time and my direct withdrawal gets canceled and I end up paying app kinda of late fees etc until it got set up again. The latest servicer. American education services, has taken received over {$12000.00} in payments and yet my loan amounts each went up over {$4000.00} not down
Company Response:
State: MN
Zip: 55347
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I attended XXXX XXXX XXXX from XXXX. My son, XXXX XXXX attended XXXX XXXX from XXXX. He was offered a XXXX scholarship to attend. In XXXX, I made a direct payment for the cost of the additional amount due after the Scholarship and grants were applied. In XXXX, I agreed to accept responsibility for a parent plus loan in the amount {$8200.00} after the Scholarship and grants were applied. In XXXX, XXXX was living off campus, no longer in the dormitory or on the meal plan and the Scholarship and grants were applied. In XXXX, my husband offered his GI Bill Benefits for the remainder of XXXX 's educational tenure and therefore, all expenses in excess of the Scholarship and grants were paid for by the VA program. I can see where several loans are listed more than once and then all rolled into a consolidation loan. Since XXXX, I have called and written countless times to the XXXX XXXX and had discussions with FSA and Fedloan Servicing. I have just spoken to XXXX XXXX at XXXX XXXX XXXX in the financial aid office. She confirmed that the loans I have received for my education and the parent plus loan for my son total about {$40000.00}. She is unable to see the same amounts that the Fedloan website indicates. She also said their office is required by law to submit all documentation loan agreements charged against me. I have asked their office in the past for these and was instructed to contact the university. The debt charged against me is over {$160000.00} with interest at this point. I am giving this XXXX last effort to resolve the amount I owe in Parent Plus Student Loans before seeking legal advice and taking action against FedLoan Servicing for fraudulent student aid practices.
Company Response:
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A