Date Received: 2022-01-10
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: They call my wife XXXX to 5 times a day and will not stop. I did not know it was them calling her. U asked repeatedly last year for WRITTEN bill and explanation of the account, and all they ever said was " pay in full or else '' and " check your email? '' I have Direct Subsidized loans and unsubsidized.they claim they are not subject to the current pause on payments but will not consider letting me restart and just pay monthly. I asked again today about the phone calls and a paper bill and they said they will NOT stop calling EVER and the supervisor even said " maybe we should call you more often '' I can't get any explanation as to sh ythey won't forbear or defer up to last month even and let me make payments going forward. They are just rude and yell on the phone. When they call they have cursed at us and yelled at us and called names .... no wonder they lost their main contract! All I want is to be able to pay say XXXX a month for the rest if this year and have it paid off. I sent XXXX today.
Company Response:
State: PA
Zip: 15068
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX, I received an email from the department of education stating that I may have an additional 4 months of qualifying payments for purposes of PSLF. Currently, I am on track for forgiveness in XXXX, but if those payments counted, then I could reach 120 payments this month. I submitted an ECF on XX/XX/2021 and have not heard back. I have called FedLoan and they can not provide any details on when I will receive a final payment count. Also, there have been months over the years where I have paid in excess of the amount due in that month. I would like those excess payments to count toward my total payment count. I would like assistance in getting a final payment count from FedLoan and processing my PSLF application.
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: paid it off and it's still on my credit report as a negative item
Company Response:
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I applied for the public service loan forgiveness program and was accepted. I have made on time payments since 2001 and worked for the federal government for 10 years thus making me eligible for the program. However I received a communication from Fed Loan Servicing stating that I need to make 101 more payments for the loan forgiveness to occur. I believe this is inaccurate and would like forgiveness applied to my loan now.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am in the process of applying for a mortgage and needed an official document saying what my monthly payments would be under an IDR plan because I am currently in school and so payment is showing as {$0.00}. I contacted my loan servicer, FedLoan, on XXXX to ask them how to get this. On XXXX, I submitted a request for IDR through studentloan.gov because I was advised by someone else that this would be sufficient for this process. The automatic email response that I received said Thank you for submitting an Income-Driven Repayment plan request. You may receive additional emails regarding the status of this request. At any time you can view real time status updates, make a payment and more through your online account at MyFedLoan.org/signin. Once your request has been processed, we will send a communication advising of the outcome. I did not provide paystubs or anything to verify my income, and I indicated in the application that my salary had decreased since last year, which means my tax information for last year should not be used. I did not check on the status immediately, but the first time that I did it said that they would review my request and I would receive a follow up email by XXXX. An entire month seems like a long time for what should be a very standard request and process for a student loan servicer, but I made sure to do this early to account for delays. The next time I checked the automated system, it said I would receive a response by XXXX. Not ideal, but still reasonable. The next time I checked on XXXX, it said XXXX. On XXXX, I submitted another inquiry through the online system saying that I expected a response by the first date I saw, XXXX. On XXXX, I received a response to my original inquiry through the online system a month earlier that said A request has been submitted to have the requested document sent to the email address on file. Please allow 5-10 business days to receive this requested information. We received your request for an XXXXncome-Driven Repayment ( IDR ) plan on XXXX XXXX. Once your request is processed, we will send you a notice with the results. I responded that I have not provided income documentation that would allow them to calculate income based repayments and have not received a response. I have checked the online system each day since, and each day their deadline for responding has been extended by one day. I am unable to get in touch with anyone on the phone because their automated system just tells me I will receive a response by this ever changing deadline. I am currently stuck in purgatory because of FedLoans failure to perform a basic service and can not proceed with the mortgage process. I do not even have a reasonable date for when I will be able to because FedLoans deadline keeps changing with every day they fail to respond.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have qualified for XXXX XXXX XXXX XXXX since XX/XX/2021. I submitted my XXXX form for it to be rejected for information that was provided in the form. On my XXXX form, it clearly indicates that I am still employed with my qualifying employer but my application got rejected because " Your employer provided an employment end date on your XXXX Form that is more than 60 days prior to the date we received your form. Therefore, we are unable to confirm if you are still employed with that employer. You must be employed full-time by a qualifying employer when you apply for and receive forgiveness under XXXX or XXXX. '' I've tried calling customer service since XX/XX/XXXX to no avail. On the main Fedloan number, I'm on hold for 90+ minutes, only to have the call disconnected. This has happened numerous times. I've called a Fedloan contact by the name of XXXX and left messages. She has not returned my calls. I've messaged Fedloan on XXXX and received no reply back.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The Problem is with the Department of Education and the poorly ran Public Loan Forgiveness program. The Waiver states " all payments, partial, late, zero and wrong plan '' now count. However, if the status state XXXX on the student aid site any payments made during that time does not count. People can consolidate new loans with old loans and be forgiven. Yet, forbearance periods can not count? Forbearance periods needs to be added to the waiver. Borrowers were always steered into Forbearance. Forbearance periods from XXXX needs to count as payment if the borrower certifies 120 months of employment. The language on the waiver is confusing and Fed Loan is not applying the language correctly. Every phone call results in different information.
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have tried to contact Fed Loan Servicing, a part of The XXXX XXXX XXXX XXXX XXXX about my Public Service Loan Forgiveness status. I haven't been able to get in touch with any loan counselor. I have been on telephone hold for over 3 hours. They have counted 88 of my loan payments as ineligible payments. I want an explanation and want to know how i can get these payments considered eligible.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to XXXX6 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to US DEPT OF ED as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against US DEPT OF ED in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 US DEPT OF ED is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract againstUS DEPT OF ED for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.XXXX. A Promissory note is a negotiable instrument. US DEPT OF ED has committed aggravated Identity theft and is still benefiting from my intellectual property. My vehicle was illegally repossessed and I now can not get to work and pay for everyday necessities. I was never informed full material disclosure pursuant to Truth In Lending Act. I have requested several times documentary evidence showing I owe this alleged debt and nothing was ever produced.
Company Response:
State: VA
Zip: 22315
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Hello. I have written around 4 or 5 letters to AES XXXX American Education Services ) concerning this issue and I hope that you can help. I am a healthcare provider with a spouse who lost his job due to the COVID-19 pandemic. Despite this, although struggling to make ends meet, I have managed to make my monthly payments. I am in a property with rent payment that is {$2300.00} a month. This takes my entire paycheck. We are finally in the process of finding a home to buy and are building. It will give me a much cheaper monthly payment. We are a few weeks from closing and I received an alert that my credit score had dropped XXXX points due to a negative remark from AES XXXX I was XXXX days late on my payment. I was totally unaware. I thought the bill was paid after I was fraudulently tricked into signing up for a loan consolidation program. My account was hacked by this company, I had to get new debit cards, and on top of that, I did not have access to my email for a while. Usually when a bill is late, AES will contact myself or my coborrower. I have yet to receive any phone calls reminding me to pay and did not receive emails to remind me. I immediately paid the bill to get the account current on XX/XX/2021, the same day I found out, in the amount of {$150.00}. I then signed up for automatic withdrawal to avoid this. I called AES and they said they could not reverse the negative remark but I could submit a dispute. I asked for a good faith reversal via letter and have been denied 4 times. I receive the same response with no elaboration, despite not being contacted by phone per policy. Even when I logged on to pay the bill, there was a warning to pay right away to avoid the account being reported to the credit bureau. Oddly, not fair as the warning was there, but they had already reported me to the bureau with little effort to contact me or the coborrower. I know it has to be reported, but the credit bureau said I could still request a good faith reversal. I advised AES that this occurred and has dropped myself and my coborrowers credit score. That same coborrower, my Mother, was willing to help me get the home due to the negative remark, but it is now on her credit report as well. She was not contacted by AES prior to this happening. I will be XXXXXXXXXXXX as this will now prevent me from purchasing my home and we have already ended our lease. I ask and beg that you please help me to resolve this as we were set to close in 1 month. I have young children and an ill husband and parent. I have signed up for automatic payments to show my good faith, and the first automatic payment of {$76.00} was withdrawn on XX/XX/2021. It is not fair that I be penalized when I was never contacted by phone about the account being late, and my coborrower was not called as well. I can provide phone records to prove that I was not contacted. The account is current. I only ask that the negative remark be reversed so we can purchase our home. Please help. God bless.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A