Date Received: 2021-12-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2018 fed lon serv is reporting my payment is late it was on forbearance. I talked to a manger of the company they insured me I do not owe right now. because it is on forbearance but will owe later when it comes of forbearance but it was still marked late. this is XXXX me now because I am trying to get a mortgage
Company Response:
State: NE
Zip: 68134
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Dear Consumer Financial Protection Bureau, CFPB : I am a Federal Student Loan borrower with FedLoan Servicing and a participant in the XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After receiving notification regarding the extension of the XXXX XXXX XXXX, I completed an original consolidation online for all of my XXXX and Direct Consolidation Loans, in accordance with the waiver instructions in XXXX. I immediately became concerned because an automated letter from FedLoans indicated all my loan counts would restart at a zero payment count. So on XX/XX/XXXX, I spoke to XXXX at FedLoan servicing who told me NOT to consolidate all the loans, and she actually removed the Direct Loans from my consolidation. ( Please see attachments- 1 is my original, and 2 is the incorrect one that was processed. ) Because everything else was filed correctly, my account was reviewed, and I was forgiven only the XXXX loans which had the qualifying XXXX payments. This payment count should have forgiven all my loans based on the new XXXX waiver ; however, because of the FedLoan representatives change, they were not. I have a timeline of events, the names of XXXX FedLoan representatives who provided the same misinformation when I attempted to fix the first representatives error, and screenshots of an online chat that also gave the same misinformation. Each conversation confirmed that all XXXX loans should not have been consolidated, which apparently is completely inaccurate. I properly followed procedures but was horribly misled. I am now stuck with {$63000.00} that should have been forgiven on XX/XX/XXXX according to the XXXX waiver extension. How do I proceed in having the consolidation corrected?
Company Response:
State: TN
Zip: 37923
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have had multiple issues with the XXXX XXXX XXXX XXXX XXXX through Fedloan servicing that I have tried to resolve directly with Fedloan via multiple phone calls and inquiries, as well as working with partner/outside organizations to help resolve this issue. The following details the most recent experience I've had with this program. I filled out the application for loan forgiveness on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Fedloan that they received my application for forgiveness which had been filled out, and signed by me and my employer. On XX/XX/XXXX, I got notification from Fedloan that I have made XXXX XXXX qualifying payments. Please see attached documents for details. There is also a notification on my Fedloan website that I have made XXXX qualifying payments. On XX/XX/XXXX, I received a letter from Fedloan that said that my employer needed to contact them, as there was missing information on my application according to the letter. The letter did not specify how to contact them or provide any specific contact information. I consulted with my employer, we reviewed the XXXX forgiveness application that we submitted together and did not see any missing information. However, we decided to call Fedloan together, with hope to resolve the issue. Here are details from the call. 1 ) Waited on hold from XXXX, spoke to XXXX ( XXXX ) about the issue related to the letter I got on XX/XX/XXXX about my employment verification and section XXXX not being completed properly ( even though it was ). She said that a XXXX needs to update my account once they have my employer 's verification that I am still employed at ( my PSLF qualifying employer, a non-profit agency, that I have been employed at since XX/XX/XXXX ). 2 ) We were transferred at that time and on hold until XXXX. We Spoke with XXXX ( XXXX ). When I shared that the application we submitted for XXXX, from what we could see, was completed correctly and did not have any missing information she said that they are changing the forms, and planning to require that employers put the date the form was filled out as the " last date of employment '' and that is why they needed additional verification from my employer. My employer gave her title and verified that I am still currently employed, and XXXX updated the account and said that I should receive written notification. To date, ( XX/XX/XXXX ) I have not yet received any written notification. XXXX ) I asked if there was anything else I needed to do and she said no. She said that I could certify my iXXXX XXXX XXXX XXXXXXXX and continue making payments if I don't get forgiveness before my first payment is due. She also said that I will be refunded all payments back to the date of XXXX payments if/once my balance is forgiven. She also said that it could take several months, there is no timeline, but then later said some people have already received forgiveness. The next step should be that I hear whether or not my loan forgiveness is processed.
Company Response:
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/21 I used FedLoan Servicing 's email portal on their website to ask a question about the status of my income-drive repayment plan. 6 days have passed with no response. I wanted to use their chat feature advertised on their website. It always says " No agents available at this time '' during their normal business hours. Phone : I have tried calling on 3 occasions. I missed a callback the first time. But now, pressing 1 to request a callback and reserve a place in line either ends the call immediately with no callback confirmation or it just repeats the same loop you've been on, eventually asking you again if you'd like to receive a callback later and hold your place in line.. an endless loop. If I can not confirm these details I will not be able to confirm the minimum payment that is on the bill when payments resume is accurate or not!
Company Response:
State: PA
Zip: 15206
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2021 Fed Loan Servicing sent an email notifying me that I qualified for a refund for a payment I'd made during the Covid-19 deferment period. I requested that refund in early XXXX via telephone. It is now XX/XX/2021 and I have not received a refund despite the fact that the balance on my student loans has increased by the refund amount of {$2200.00} ( the sum of the interest on my loans ). I called back in XXXX and was told the refund was only just processed and a check would be mailed to me within 2 weeks to 2 months. The woman I spoke with claimed the check would arrive no later than XX/XX/2021. It is the XXXX. I have now been trying to contact them for days and have been met with ridiculously long hold times. Last Friday, XX/XX/2021 I was on hold for 2 hours ( despite a promised 15-20 minute wait ) before finally getting fed up and ending the call. Today, XX/XX/2021 I was on hold for over 30 minutes before the call disconnected. All of these calls have been made well within their business hours. My loans were unfortunately transferred to Fed Loan Servicing earlier this year after I applied for the XXXX program. Since then, they have also calculated my number of eligible payments incorrectly and show my having made FAR fewer eligible payments towards the program than what I have actually made. It is utterly disheartening that in addition to the stress that comes with student loan repayment, their service is so XXXX poor to boot. A loan servicer is supposed to offer support to borrowers and be sure that questions and concerns are adequately addressed, and in my experience, Fed Loan Servicing has completely failed to do any of this in the time that l have dealt with them. Over half a year of constant phone calls, and incorrect information and I have nothing to show for it but an increased loan balance and a XXXX program that I seemingly will never qualify for due to incorrect payment calculations. The United States government ought to be more discerning with whom they contract with and hold said contractors to higher standards. Fed Loan Servicing, at this point, should be out of business as my complaints are not unique. I want the {$2200.00} refund I requested and was promised issued expediently and for the payments I've spent years making to be accurately reflected on my account and counted towards XXXX!
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Greetings, Fedloan account numberXXXX XXXX XXXX You may want to review a closed file/complaint fromXX/XX/XXXX I've had my student loan debt IN the Public Service Forgiveness Loan Program for 15 plus yars. Of course PHEAA and it's subsidiaries can'at find my records. The latest is I was required to recertify my income contingency repayment plan in XX/XX/2021... their result/decision is that I must now pay XXXX $ plus change per month. This is a contract violation and I don't care how they want to reword it. The purpose of the PSFL is for me to give service in leiu of monies. This new requirement is a violation of my PSFL contract. I think, no, I KNOW I want to be a party to any group that sues PHEAA/FedLoan and any/all other entities, subcontractors, child corporation of the parent corporation of pheaa/fedloan for breakingtheir contract with me. IF they had demanded a XXXX $ /month payment almost 30 years ago, this debt would have been paid off. As if their history, once you make this payment, they begin to torque the monthly payment up " at whim ''. I'm too poor, old and ill to make this kind of a monthly payment. Please intercede for so many that give their time and energy into the PSFL and now are illegally demanded to provide monies as well. Thank You in Advance, XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XX/XX/XXXX To Whom It May Concern : I am writing this letter in regards to payments made on my federal student loans which should qualify under the public service loan forgiveness program. From XX/XX/XXXX through XX/XX/XXXX I was in repayment which was the income based repayment plan. On XX/XX/XXXX it states that I was in forbearance, but then was placed back in repayment which again would ( or should ) have been the income based repayment plan on XX/XX/XXXX. This continued through XX/XX/XXXX. All loans should have been on income based repayment from XXXX. Due to low income at the time this generated a monthly balance of {$0.00} during this time. There were no changes in loans or employment during this time period and so these loans should have remained under the same umbrella of the income based repayment plan. On XX/XX/XXXX the loans were placed in forbearance when all student loans were placed in forbearance due to the pandemic. From XX/XX/XXXX through XX/XX/XXXX documentation has been submitted for a qualifying employer and these dates continue to state that they were ineligible under the public service loan forgiveness program. The months from XX/XX/XXXX through XX/XX/XXXX I did not receive a W-2 from a 501c3 organization, but did all of my work for a 501c3 organization. I understand this may disqualify those months, however, due to the pandemic and significant need for health care workers during that time it would seem that if work was being done at a qualifying institution and performing qualifying duties that these months should qualify as well. I have contacted the FedLoans program several times over the past six months regarding these issues and have not seen any of this information updated to reflect the above changes. I have included some information below, but please let me know if more detailed information is needed. While the Public Service Loan Forgiveness program was not in effect until XXXX, I have been committed to working for non-profit organizations and have been passionate and committed to serving the underserved populations since the year XXXX. It is my hope that the above can be corrected in a timely fashion and that the time I have served be recognized appropriately. Thank you for your assistance in this matter.
Company Response:
State: NC
Zip: 27312
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Back in XXXX, I consolidated my student loans through myfedloan.org. The loan was originally from XXXX. Myfedloan " overpaid '' the amount that was due and never bothered to note the issue. XXXX made an adjustment and myfedloan never noted the adjust of {$500.00}. I have tried to call, call, call, email and write on their twitter handle to no avail. This company is committing pure fraud and trying to basically " steal '' money from me and I'm sure millions of others as well. The federal government should take serious company because their business practices are very unethical. When XXXX made an adjustment, myfedloan ignored the adjustment. Please reprimand this company and their shady business practices.
Company Response:
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Given that the moratorium on student loan payments is about to expire, I've tried to contact my servicer ( Myfedloan ) several times to figure out my payment amount and recertify my income. I sent a message on the portal XX/XX/21 to no response. I've contacted them via telephone twice, waited on hold for XXXX minutes, finally gave up and selected the " receive a call back from us without losing your place in line '' and never got a call back. I just want to know how much I'm going to be paying come XXXX. As a side note, they've also recalculated my PSLF payments wrong and added an extra year onto the number of payments I owe. I've tried to correct this on several occasions, but no one can seem to figure it out and I've just accepted at this point that I'll likely be making 11 years of payments for forgiveness because I can't get any help on straightening this issue out.
Company Response:
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/2021 I send a letter regarding inaccurate and unknown accounts reporting on my credit report. I requested Debt Validation under the FDCPA and as of XX/XX/2021, I have not heard back or received any kind of response yet. I feel like I'm being ignored and my request for debt validation is not being taken seriously. 15 usc 1692g ( b ) says that the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or ... name and address of the original creditor, is mailed to the consumer by the debt collector. I am a consumer and I requested a debt validation, it has been over 51 days. Therefore, I demand that these accounts be immediately deleted from my credit report or I will have to file for litigation due to the XXXX and negative effects of this item being on my credit reports. This company is has refused to honor my request for debt validation. Therefore this account shall be deleted. My information was impacted by the XXXX data breach and I have been a victim of Identity theft. XXXX, XXXX and XXXX are aware of this. I disputed this item with all three reporting agencies and in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, they did not provide actual proof the information was verified, they sent a computer-generated response.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A