Date Received: 2021-12-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I written several letters ( between XXXX XXXX XXXX ) to fed loan XXXX that I would like proof that I owe them money for this so called student loan that I supposedly have. I have requested the original loan ( that I supposedly have with fed loan ) agreement with my signature in black ink. Fed loan has failed in my request to see the original documentation. This has had a negative impact on my credit. I would like this issue resolved as soon as possible. Thank You
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Sir or Madam : I am a victim of identity theft. I have recently learned that my personal information was used to open an account at your company. I did not open this account, and I am requesting that the account be closed and that I be absolved of all charges on the account. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These sections also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided is the result of identity theft. Please investigate this matter, close the account and absolve me of all charges, take the steps required of you under the FCRA, and send me a letter confirming your findings and actions, as soon as possible. Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 168li ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency -- ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Commission to obtain consumer information regarding identity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if -- ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this title. ENCLOSURE : FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) Requirements on Users of Consumer Reports Prohibition on Sale or Transfer of Debt Caused by Identity Theft ( f ) Prohibition on sale or transfer of debt caused by identity theft ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. ENCLOSURE : FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Responsibilities of Furnishers of Information to Consumer Reporting Agencies Duties of Furnishers upon Notice of Identity Theft-Related Information ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have continually tried to contact fedloans.gov to confirm that my PSLF form has been submitted and receive information regarding my loan payments. each time that I call, if I stay on hold, I am on hold for over an hour and when the phone is finally answered it automatically hangs up on me. If I request a call back, it has taken as long as 3 hours to receive that call, and no one answers the line when I pick up the phone.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: It has come to my attention this organization has been reporting inaccurate information for over 2 years on my consumer report.
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX. FEDLOAN SERVICING Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with FEDLOAN SERVICING and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by the creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by the creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by the creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers, and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA, and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years ' worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXwa XXXX
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been stuck with MyFedLoan ( PHEAA ) for a few years now as they are the only servicer dealing with PSFL qualifying payments. I should have put a lot of that in quotes for dramatic effect, as they have no idea what they are doing. Besides them being months behind on my employment verification ( a form I might add that is exactly 1 double-sided page ) and completely incapable of answering my questions, their records are incorrect. I have been paying my 8 federal loans for nearly a decade now and they have all been paid at the same time. Yet, 4 of my loans are " missing '' a payment while the other 4 do not ; I don't know how payments made at the same time can be half-counted. Despite PHEAA 's wildly inaccurate payment count, I *know* that my XXXX payment will be made in XX/XX/XXXX or XX/XX/XXXX ( depending on the " missing '' 4 payments ). This happens to coincide with the planned departure of PHEAA from the federal loan servicing market -- literally, XX/XX/XXXX is the last month they are currently contracted to service my type of loans. I have absolutely done the right thing. I chose a career in public service ( before the PSLF law was even passed ), paid my taxes every year, made ALL of my payments on-time and in-full, and have submitted all the correct forms when required. XXXX XXXX never jumped through as many flaming hoops as I have! I am the ideal, textbook, PSLF-qualifying participant and yet I just know PHEAA and the Federal government are just going to mess this up.
Company Response:
State: FL
Zip: 33710
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently checked my credit report and noticed there were XXXXXXXX loans on my report that I did not authorize. I have never applied for a XXXX loan before, and I have a total of {$33000.00} in loans from a company by the name of Fedloan Servicing. I reached out to XXXX, XXXX, and XXXX via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the Fedloan Servicing on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All XXXX of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the XXXX bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all XXXX bureaus with this information, and they are still refusing to remove this information from my credit.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: AES reported my student loan as delinquent. Per Covid relief cares all student loan payments should be paused and no collection effort should be reported until XX/XX/XXXX, XXXX AES has also been applying interest to my student loan. Not complying with Government policies. I have a subsidized and unsubsidized student loan through AES and they are federal loans.
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been trying to contact FedLoan Servicing for a request of information on my account for the past month and half. I have called them multiple times through their XXXX number and have been told I would receive a call back later. I called on XX/XX/XXXX, XX/XX/XXXX, and twice today. In addition, I have contacted them via their email request and have not heard back from them ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also filed a complaint with the Federal OMBUDSMAN and have received no notification or message about my request. I have also submitted my IDR request with proper documentations on XX/XX/XXXX and am still waiting for a reply. However, when I submitted my IDR request on XX/XX/XXXX, I received results on XX/XX/XXXX. It baffles me how I can contact XXXX about the XXXX and not receive any information or feedback, but when I submit paperwork that pertains to payment plans, they are quick to calculate and reply back. I have been placed in forbearance for times in which I was in school, but yet still working at approved XXXX employment. I did not receive notice that I was being put in forbearances and when I spoke to XXXX in XXXX of XXXX, I was assured that my employment while going to grad school was going to count towards my XXXX. I am now finding out, that they in fact are not counting it and will not reply to any of my emails or calls to speak about the issue. I would like to file a complaint on XXXX giving out false information over the phone, lying about my eligibility of the XXXX, as well as refusing to contact me about my account. This is absolutely unnecessary and outright robbery. I do not believe they have the best practices for consumers.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. I entered a consumer credit transaction with the following companies : FEDLOAN SERVICING and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and XXXX. I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A