Date Received: 2021-11-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: FedLoan has been denying my XX/XX/XXXX certification, citing issues that simply are not true. They have returned my most recent form for missing information which is clearly visible, and refuse to practice the most basic customer service in regards to follow-ups with issues. Everything simply gets kicked back to me because they do not feel like processing my certification.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have applied for Public Service Loan Forgiveness with the company Fedloan Servicing. I received a letter from them in XXXX confirming they had received my application and would review it. The letter provided an account number, URL, and a telephone number for getting updates. I tried using their web portal to access information, but could not log in. I have tried calling the company for an update about the application at least half a dozen times. Each time, save for one, Ive waited on hold for half an hour. Only once did I manage to get a person on the linein that instance, she said she couldnt find my account number, transferred me, and then I waited for 40 minutes before giving up. I need to know if I will have to restart payment on these loans in the new year. Ive been a dedicated federal employee for over 10 years and am deeply frustrated with how inept this company has proved.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Fedloan servicing is terrible! I have met the XXXX qualifying payments and have been waiting for months to get notice of student loan forgiveness. There are frequent mistakes along the way that have only been corrected with repeated calls and my insistence. The past XXXX times that I have called, I have been on hold for close to 2 hours and the phone has hung on me without speaking to a person. This is the absolute worst customer service I have ever seen!!! Something should br done given widespread complaints and poor service!!
Company Response:
State: MD
Zip: 20737
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Fedloan Servicing Account # XXXX XXXX XXXX Loan 1 Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Disbursement Date:XX/XX/XXXX Current Amount : {$11000.00} Loan 2 Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Disbursement Date:XX/XX/XXXX Current Amount : {$3100.00} I am a XX/XX/XXXXwith the XXXX XXXXXX/XX/XXXX in XXXX XXXX , NJ . I was told by my loan service company that I qualified for the teacher loan forgiveness program and the public service loan forgiveness program as a XXXX working with XXXX XXXX XXXX XXXX XXXX. After 5 years of working as a XXXX XX/XX/XXXX, I was told by the service company that I could apply for the teacher loan forgiveness, and then after 5 more years of working, I could apply for the PSLF and have all my loans forgiven. I was advised to make my payments on time which I did. I followed their advice and after five years of working received XXXX in forgiveness from the teacher loan program. After 5 more years ( XX/XX/XXXX ) of working, I submit my PSLF application to certify employment and all my payments credited as I was told I would. After checking my account online and reviewing my payments, they had noted that I was in a payment plan that did not qualify and to add insult to injury that since I had received the XXXX in teacher loan forgiveness that those 5 years did not qualify. I now basically had no payments that qualify. This is beyond deceitful, malicious and I don't even know what else to call it. I was lied to and given inaccurate information. If I would have been accurately advised, I would have been enrolled in a payment plan that would qualify me for PSLF. Furthermore, I would have not applied for the teacher loan forgiveness plan if it would have only granted me XXXX of loan forgiveness and set me back 5 additional years of payments to reach the 10 years ' worth of payments to qualify for PSLF. I would have only applied for the PSLF forgiveness. I am sure they misinform student borrowers on purpose so that their loans are not forgiven and they can keep making money for servicing these loans. I tried to speak to a representative of the loan company to resolve this issue with no success. I don't want the teacher loan forgiveness XXXX initiative. They could add those XXXX back to my loan account. I am so disgusted by this process and malicious intentions.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The main reason for this complaint has to do with the unnecessary back and forth after submitting all required application information for loan repayment and PSLF criteria. Fed loan required one to submit a copy of loans from XXXX and XXXX XXXX ( given the loans have been transitioned so many times not by my choice ), however, Fed Loan verifies these and incorrectly verified the total number of loans paid, and took around 90 days to do so ( initially submitted XX/XX/2020 ). Subsequently, each attempt to re-upload the information never correctly changed the amount of paid loans until 2 months ago ( 11 months after initial application ). Since then, no letter of acknowledgement of qualification for the Loan repayment program have been sent to me, just verbal acknowledgement that it can take 90 days but I " should '' be okay. Acknowledgement that Fed Loan has the correct information is given but without specifying what this correct information is ( particularly in regards to number of monthly payments acknowledged towards the 120 loan payments required. At this point I also only have a verbal acknowledgement that my loan status should be okay when Fed Loan transfers my loans to the next loan servicer without a written acknowledgement of my qualification for the PSLF program given the last 10 years I have worked in a community hospital. After over a decade of public service, while repaying my loans, all I have is a verbal agreement that the rest will be waived at this point.
Company Response:
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To whom it may concern : We are requesting guidance in our efforts to lower our monthly payment in our Direct Unsubsidized Consolidation Loans. We began in XXXX -- well in advance of the government resuming collection in XX/XX/XXXX -- by contacting StudentAid.gov and Fedloan Servicing. During several phone conversations, we received conflicting information, loan officers made inaccurate statements about our income, and at points, we were given estimates for repayment plans that we could afford, only to have those double, and, in some cases, triple, once the application was processed. It felt like a proverbial bait and switch. In early XXXX, we wrote to the Ombudsman office explaining our situation, hoping they could help. But again, through a series of very confusing emails, XXXX, our FedLoan customer service representative, has effectively made our situation worse than when we started. We are at our wits end and dont know where to turn. Our correspondence with the Ombudsman office is attached. We are married couple in our sixties my wife is XXXX-years-old and retired and I am XXXXyears-old and hoping to retire in a few years. We took out the loans to pay for room and board for our XXXX daughters who graduated from the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They are paying back student loans as well. We have been paying back our XXXX XXXX XXXX faithfully since XXXX. We are not asking for special treatment ; we do not shirk from our responsibilities. Because my wifes income has been reduced over the past few years and too, because I am fast approaching my own retirement, we are seeking to reduce our monthly payment. Instead, FedLoan has punished us for our efforts, increasing our monthly payment in instead of lowering it. XXXX told us we could not revert to our original monthly payment of {$1300.00} even I we wanted to. We would have been better off had we never asked them for relief. We are trying to do the right thing but the FedLoan response has been arbitrary and punitive. We do not know where to go from here. Whatever assistance or guidance you can provide is greatly appreciated. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been employed as a XXXX XXXX with XXXX XXXX ( Hawaii ) between XXXX to XXXX, before transferring to the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. I am currently employed with XXXX XXXX XXXX ) and there has been NO break in service. Despite submitting numerous " Employment Certification '' forms, I have been given the run around about my status and eligible payments under the Public Service Loan Forgiveness ( PSLF ) and Temporary Expanded PSLF. I was additionally misled by the company about information regarding loan forgiveness and I am now liable for an excess of {$90000.00} worth of student loans. Basically, I took out additional loans thinking the current payments I was making towards existing loans was going to count towards additional loans I've taken out ( as a XXXX XXXX ) for higher education. I later found out this was wrong and not only did they not count I had to start from the beginning on the new loans. To add insult to injury, numerous payments between XXXX and TODAY have not counted towards forgiveness, despite there being NO break in service. I've submitted multiple employment certifications which mysteriously seem to not explain that I have been a XXXX XXXX since XXXX Numerous calls to the company resulted in many different excuses, but as of today I now have been assured my employment certifications check out and are up to date since XXXX. I will be waiting for another excuse as to why certain payments from XXXX to today have NOT counted towards forgiveness due to some mysterious universal force. I also disagree with the method of calculating the payments based on income, as police officers can sometimes have a lot of overtime, which is not guaranteed income.
Company Response:
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: SUBJECT : REGARDING ALL CONSOLIDATED FEDERAL LOANS OF STUDENTS, WHO, DUE TO THE NEW CHANGES, WILL BE MADE/FORCED TO RE-CONSOLIDATED ( ONCE MORE ), IN ORDER TO INCLUDE ALL FEDERAL SUBSIDIZED OR UNSUBSIDIZED LOANS TOWARD THE PUBLIC SERVICE LOAN FORGIVENESS. To Whom It May Concern Federal Student Loans, U.S. Department of Education On XX/XX/XXXX, the Chief Operating Officer of Federal Student Aid, Mr. XXXX XXXX " announced big changes to the Public Service Loan Forgiveness ( PSLF ) program ''. Reading through the changes, I noticed that although " changes will help me get the credit I deserve for serving my country '' as a XXXX XXXX there is one DISREGARD AND NO CONSIDERATION to students, who, at the time of their first original PSLF application APPLIED to CONSOLIDATE ALL THEIR LOANS INTO ONE LOAN, BUT WERE REFUSED TO INCLUDE THE FEDERAL ( UNSUBSIDIZED ) ( STAFFORD ) LOAN/s as NOT ELIGIBLE FOR THE PSLF PROGRAM. This is my case : when all my loans were consolidated by the FedLoan Servicing ( XXXX ) and eligible for the CONSOLIDATION toward the PSLF, my FEDERAL UNSUBSIDIZED STAFFORD LOAN was excluded and it is not elligible. Therefore, I will be made to RE-CONSOLIDATE once more, in order for my Federal Unsubsidized Stafford Loan to be PSLoan forgiven. This is not fair! With all of the above in mind, former students are appalled WHY, upon the NEW CHANGES, any former student who HAS ALREDY CONSOLIDATED HIS/HER STUDENT LOANS, WILL BE MADE to re-consolidate ONCE AGAIN HIS/HER LOANS into the Direct Loan Program by XXXX XXXX XXXX XXXX. The former student/s evidently applied for consolidation of his/her student loans at the time of first PSLF application, but WAS REFUSED TO CONSOLIDATE ALL LOANS by the order of the FedLoan Servicing, so the student could not get all credit/s for any of his/her federal student loans toward the Public Service Loan Forgiveness. THIS IS UNFAIR and discriminatory, and NO STUDENT, WHO HAS PREVIOUSLY WAS REFUSED CONSOLIDATION OF ALL FEDERAL LOANS, SHOULD BE MADE ONCE AGAIN TO RE-CONSOLIDATE TWICE THE LOANS before XX/XX/XXXX. Instead, the student who was refused the Consolidation of all his/her loans entirely into his/her Federal Loans during the period XXXX, MUST BE PROVIDED WITH THE WAIVER OF the new " FORCIBLE '' RE-CONSOLIDATION of his/her Direct Loan ( DL ) Program Loans. Subsidized and unsubsidized loans, made to XXXX and XXXX students will become eligible for PSLF Program under the new changes. Students should not be made to re-consolidate TWO TIMES their loans. Therefore, all Federal loans excluded from the PSLF must be COUNTED jointly with the consolidated loans, especially when this was the order of the FEDLOAN SERVICING at the time of the original PSLF application, which refused the inclusion of some federal loans into the PSLF Program.
Company Response:
State: NY
Zip: 14626
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on PHEAA ( XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the following accounts with erroneous information. XXXX ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$5100.00} ; XXXX ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$11000.00} ; XXXX ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$19000.00} ;
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I signed up for PSLF back in XXXX and have made well over 120 payments yet my total still says only 75 payments in the portal of my servicer. I consolidated in XXXX and was told that all payments made prior to the consolidation do not count. I was never made aware of this when I consolidated my federal loans. My original loan balance was $ XXXX but now it is over XXXX XXXX dollars due to compounding interest. I have consistently worked for a nonprofit since XXXX and always made my payments and completed all necessary PLSF documentation. I detrimentally relied on this program when choosing a profession in the nonprofit sector. As you will notice that from XXXX to XXXX payments were adjusted to {$0.00} yet the servicer is refusing to count these 60 payments. I have attached the payments that the servicer is refusing to include.
Company Response:
State: OH
Zip: 44112
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A