Date Received: 2022-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: AES/PHEEA is reporting I owe on students loans that are XXXX years old. I have called them on several occasions and they refuse to remove the information. I have reported the company to Federal Trade Commission. It is against the Fair Credit Reporting Agency to report information that is XXXX years old. They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in 2006.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I have been disputing the late payments showing on my account for Fed Loan Servicing which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Company Response:
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX I spoke with Fed loan Servicing who told me that if I consolidated my loans, I would be given forgiveness based on paying said loan since XXXX. I consolidated from XXXX to them per their recommendation. I spoke to someone shortly there after regarding the increase of interest and now having to pay for another 10 years when I had only 4 left prior to consolidating and again I was reassured that my loans would be forgiven. On XX/XX/XXXX again I spoke with Fed loan servicing who now has told me my loans were not and will not be forgiven. I am now suck at a higher interest rate and my credit being pulled to consolidate due to lies. I would have stayed where I was if I would have had the correct information to begin with. Fed loan services lies to get your loans and then lies about forgiveness. I was told by 4 separate people at fed loan servicing that my loans would be forgiven, the last person said that I did not and would not qualify for 10 years. I would not have had 10 years if I did not consolidate based on lies. The last representative also would not let us speak with a manager
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am in the XXXX XXXX XXXX XXXX program and have been re-certifying my employment every six months as recommended by a financial advisor. Everything in my account is up-to-date and current. I submitted paperwork certifying my employer this summer and received notification that I had XXXX qualifying payments remaining as of FedLoans letter dated XX/XX/21 ( attached ). I re-submitted by certification this XXXX and FedLoans no tells me I have XXXX qualifying payments remaining!! How can I have more qualifying payments remaining now then when I applied to re-certify back in XXXX?? No one at FedLoans has been able to resolve the issue and I have contacted the company regarding the issue. I have all letters documenting the number of payments FedLoan says I owe for each time I have re-certified my qualifying employer.
Company Response:
State: MA
Zip: 02135
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I began making payments in XXXX of XXXX. I have consistently made payments without fail. I have continuously worked for a state during this time. I consistently filed XXXX verification forms for calculation purposes along the way, especially when I changed jobs in XXXX and XXXX. Consistently, it has shown that my final payment will be made XX/XX/XXXX. ( I wasn't going to debate a single month 's error. ) When I hit the seven year mark, where my bank would no longer have the records of my first year of payment, Fed Loan Servicing sent me a XXXX calculation showing that the final payment would be made in XX/XX/XXXX. Suddenly, the company is claiming that I was given a year 's grant and didn't make my first payment until XX/XX/XXXX. Neither of these facts are true. My job was eliminated in XX/XX/XXXX, and I specifically took a job in Colorado to keep myself in the XXXX program. During this move, my computer with my copies of the XXXX calculations showing my payments was damaged and the files can not be recovered. I have asked Fed Loan Servicing to provide me with all copies of the XXXX forms that it has provided me over the past nine years. It has refused to do so. It is ignoring my concerns and requests. I know student loan companies are unethical and predatory, but this is patent theft and abuse.
Company Response:
State: CO
Zip: 81001
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am writing to bring to your attention the continuing refusal of FedLoan Servicing XXXX XXXX ) to certify my Public Service Loan Forgiveness ( PSLF ). I've written to you about this matter in XXXX, XXXX, and XXXX. FedLoan continues to fail to resolve the situation, though the problem they articulate changes. Even with the recently announced changes in the PSLF program, XXXX has demonstrated a pattern of systematically denying PSLF relief, exhibiting frequent careless errors, lack of communication, lack of transparency, and poor service. Despite 17 years working in public service amounting to at least XXXX qualifying payments, FedLoan has to date credited me with only XXXX payments. I am burdened with over {$35000.00} in student loans, most of which I have carried since I graduated as an undergraduate in XXXX. This large debt, combined with my choice to make a relatively low income in public education, has prevented me from getting housing loans due to my high debt-to-income ratio. In the last round with FedLoan, I did a full accounting, re-submitting employment certification for at least XXXX qualifying periods, waiting for two months for an answer from FedLoan. They responded with 7 letters, detailing non-existent errors in the certification forms ( allegedly missing XXXX and answers that are clearly provided on employer certification ), neglecting important details ( overlapping employment ), denying me once again PSLF relief. I resubmitted my PSLF Application and Employee Certification. When I tried to call FedLoan 's customer service, I waited more than XXXX hrs before my call was suddenly dropped. Please look into my case once again and see if we can help not only my case, but the hundreds of thousands of borrowers that FedLoan is withholding their rightful Public Service Loan Forgiveness. Thank you for your time, attention, and advocacy. I have attached a few relevant documents.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have consolidationg direct loans that were serviced by XXXX but are now serviced by XXXX. I have applied for a PSLF and the FedLoan site will not let me enroll for an account nor does it recongnize my social security number OR names. I have contacted MyFedLoan was on hold for an hour then someone answered and said they could try and transfer, again I was on hold for 30 minutes and I have tried repeatedly to call with no luck. I can not submit a form for help the site does not recognize my social?? I'm at a lost as to what to do? I feel like I am going in circles with this mess!!!! Thanks for your help! XXXX XXXX XXXX XXXX XX/XX/1964
Company Response:
State: KY
Zip: 424XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Thank for you hearing my complaint. Upon hearing of the new expanded loan forgiveness program in late XX/XX/XXXX ; I started the process of applying in early XXXX and sent my application to FedLoan servicing via fax on XX/XX/XXXX. Upon not receiving any confirmation, I called FedLoan to ask whether my application was received. I was told my application was not received and to fax it and even mail it. After several weeks of back and forth I received confirmation that the application was received in late XXXX and early XXXX. After a quick turn around, I received a letter stating that I did not qualify for neither XXXX or XXXX. Understandably, I would not qualify for the former but I researched and was told by representatives that I would qualify for XXXX ( the waiver would not be needed ). After evaluation, I noted that only 102 payments were counted towards XXXX and that years of payments were not evaluated in their determination from XXXX to XXXX. No explanation was provided and was told I had to reapply to the program ( note that to reach a representative it takes approximately 2 hours only to be transferred from one person to another ). I reached out to my prior loan servicer XXXX and they told me that all payment history was sent to Fedloan. I took the liberty and requested the complete payment history and uploaded to their website ( FedLoan ) for further review on XXXX which included years of missed payments by FedLoan ( uploaded here ). A month later I contacted FedLoan numerous times to only be told that it is under review despite a quick response earlier rejecting my application using erroneous information. As of XX/XX/XXXX, I further contacted FedLoan to be told that my application has not been evaluated at all and has been sitting for over a month. Evaluation of my application was handled incorrectly and a quick response without needing further consultation with the Department of Education regarding the limited waiver should have been conducted by now. Due to the incompetence of FedLoan and the inability to expedite my application under the well established XXXX rules, I am filing this complaint. I am in the process of purchasing a house and my student loans ( which should be forgiven under both old and new rules ) could affect my ability to secure a loan.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I HAVE BEEN PAYING THIS LOAN FOR PROBABLY 20 YEARS,, AND THAT IN IT SELF IS REDICULOUS, BUT WHEN YOU WERE SCAMMED AND NEVER EVEN GOT THE DEGREE, THAT IS A DISGRACE. IF THIS LOAN IS INSURED HOW DOES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AT THE TIME MAKE ME PAY, I DO THE 4 YEARS, AFTER THE DEFAULT, I PAY ALL THESE YEARS THINKING THEY WERE HOLDING MY DEGREE, AND NOW THEY SAY NO WE CANT HELP YOU???? REALLY I PAID FOR THIS, WENT TO THE SCAM SCHOOL, WHEN THESE TRADE SCHOOLS JUST OPENED AND NOW I AM OUT AN ASSOCIATES DEGREE. DOES THAT SEEM FAIR?
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: As of right now, I have reached out letting AES/Pheaa know when a payment will be made. I have given them a Cease and Desist order which they continue to violate despite all my efforts at communicating back and forth with them and even scheduling payments. Going forward, a {$5.00} fee will be added for notifications that I receive that are out of spite and not in good faith. When AES/PHEAA sends an email every single day about the same past due verbiage even when the borrower already contacted the servicer letting them know when the payment will be made, it is my right to add inconvenience fees to be immediately deducted from the loan balance, or in part, AES will be charged these inconvenience fees. I may have agreed to be contacted about delinquency, but I definitely did not agree to the way they are reaching out and handling it. Any person who works for this company is turned into a zombie and made to abide by a system that is only out to profit as much as possible from the people who really matter in this world ( the people who actually work hard to get what they are paying ). The people who work in this company are clear and present liars. The fees still stand and AES owes them. AES owes me {$10.00} so far for repeated notifications that have wasted my time in the process even after I was diligent enough to send them emails letting them know when a payment would be made. What I'm confused about is why they even bother with allowing people to send them correspondence if they just continue to send the same garbage emails about delinquency after people had already contacted them about when a payment would be made. Check out this article where Senators are claiming that the CEO lied under oath. I'm going to send this to everyone I know. https : XXXX " XXXX then asked if the Education Department has ever penalized XXXX for mismanagement, and XXXX said it had not. '' " But XXXX Department reviews suggested the contrary. XXXX and XXXX cited nine reviews since 2016 that revealed problems with the servicer 's implementation of XXXX, resulting in four corrective action plans and two fines, each more than {$100000.00}. '' Now how on Earth could this company expect its borrowers to have any trust whatsoever in this company with facts like the above? XXXX XXXX is eating too many Eclairs and counting his own dimes more so than protecting the interest of the borrowers. I'm going to write to XXXX XXXX and XXXX XXXX and explain to them my situation above. AES is coming closer and closer to forfeiture as a result of bad business and questionable behavior. There's also a matter of ethics that come into play.
Company Response:
State: PA
Zip: 17522
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A