Date Received: 2021-10-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Over 2 years ago, I requested a manual review of almost 33 payments XX/XX/XXXX to XX/XX/XXXX that have been labeled as ineligible payments for PSLF programs and have not received a reply. I have called FedLoan and have been told there is no timeline for these requests. I am now requesting help to have this review completed as I am now over 120 payments but can not have loan forgiven, because these payments are not being counted. I have been told that the payments that were initially marked as ineligible are due to being on the wrong repayment plan, payment outside of the payment window, and no bill being due. I am on the correct payment plan, and did not pay outside the payment window. I believe without my knowledge they put me in forbearance in order to complete the transfer of my loans. During that period, I was paying the loan, however, they were not counting it due " no bill ''. I have called FedLoan to request administrative forbearances be retroactively removed from my account. Prior to FedLoan, I was paying Direct Loans since XX/XX/XXXX and it was switched to FedLoan in XXXX. However, FedLoan only has records from XXXX even though my loans were consolidated and being paid from XXXX. Attached are my tax returns, on line 18 were you can see the student loan interests being paid. If I was not paying my student loans, I would not be able to complete that on my tax forms. Can you help me get the manual review completed on the eligibility of my payments through FedLoan Servicing? ''
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello. I have served as a public servant in higher education for the past 13 years. I recently submitted my application for Public Service Loan Forgiveness after successfully making 120 on time payments over 10 years. I work for an XXXX XXXX XXXX- The XXXX XXXX XXXX. My application was submitted on XX/XX/XXXXXXXX to my servicer ( FedLoan Servicing ). I received a response on XX/XX/XXXXXXXX indicating the Department of Education needed additional time to verify my employer. I found this to be a bit perplexing since the XXXX XXXX XXXX ( my employer ) is responsible for reporting all student loan federal compliance reporting data to the department as well as fed loan. If they should know who anybody is, it's my employer. I have checked in every month since then, most recently on XX/XX/XXXX. There is still no update on the status of my request and now I am receiving emails from the department requesting that I prepare myself to reengage in payment cycles after XX/XX/XXXX. Please help me in resolving this so that I can receive my PSLF. I have diligently complied with the requirements over the last 10 years and feel this wait time is absolutely not right. Thank you very much!
Company Response:
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have filed for my student loans to be discharged and recent they have been discharged. But that has not been reported to all three credit bureaus to be removed. Which this debt is affecting me heavily.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Company Response:
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made 8 loan repayment counts that have not been counted towards public service loan forgiveness. I submitted a request for appeal to get these payments to count in XXXX of 2020. It is still in the appeal process without any date of when it will be done. I am nearing date of forgivenes if they would count these payments. MyFedloan servicing will also no longer be working on these loans in the near future and I'm worried that my appeal will not be completed ever. Also my counts are all off. I started repayment at the same time for all the loans but the counts towards forgiveness are not the same somehow. There has never been an adequate explanation for this discrepancy. I have called many times and there is no new information.
Company Response:
State: PA
Zip: 18020
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX of XXXX I began preparations to move from XXXX to XXXX New York. I called myfedloan to get clarification about qualifying employment as I began my job search. Specifically, I wanted to know about the hours requirement for working for a qualifying employer, as I was seeing part-time and per diem options. I was confused by the language on the myfedloan website that used vague words such as " generally '' when explaining the hours requirement for qualifying employment and hours. During this particular phone call in XXXX of XXXX, the representative I spoke to from myfedloan assured me that as long as I worked at least 30 hours a week at a qualifying employer, it would count towards my loan forgiveness. I then accepted a job at 32 hours. This representative obviously misspoke, as I have since learned you can only work 30 hours for qualifying employer if that is the sum of TWO separate part-time jobs, but that if you are only working 1 job at a qualifying employer it has to be at least 32 hours, OR whatever the employer considers full-time. This was NOT explained in that phone call where I asked for help understanding this policy. As such, my recent application was denied because according to my employer, 35 hours was considered full-time. Something I was not aware of until they completed the PSFL form, since in my offer letter it did not indicate I was part-time, I was 32 hour exempt employee. This was SO confusing, and I potentially lost almost a year of working at a qualifying employer because of confusing information on the website and misinformation from a representative who was supposed to help guide me and clarify the loan forgiveness process. Not only that, myfedloan is not responding to my appeal and refuse to consider approving me for the time worked. Please help!
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I initially began my student loan repayment with XXXX utilizing their direct payment option. My loans were transferred to FedLoan in XXXX. I contacted Fedloan in XXXX of XXXX to request a recount of my eligible loans. No updates were given and no changes were made to my account. I again contacted Fedloan in XXXX of XXXX, no updates were given and no changes were made. I called Fedloan in XX/XX/XXXX and was told there was no person I could speak with as this is a separate department, and that I would need to wait upwards of a year and that I will be contacted when the review is complete. I was never contacted, so I submitted a complaint to the ombudsman in XXXX of XXXX. This issue remains unresolved. Per The Ombudsman I have a review open for the payment periods of XX/XX/XXXX to XX/XX/XXXX. As part of direct payment plan with XXXX ( as this supporting documentation will show ), I completed payments in the amount due, on time, in full from XX/XX/XXXX until XX/XX/XXXX when my loans were moved to Fedloan. From that point forward I have paid my loans with direct payment plan from Fedloan in the amount due, on time, and in full until the administrative forbearance imposed by the federal government due to COVID.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/2018- XX/XX/2018 my student loans were in forbearance/grace during this period and late payments should not be on my credit report. ( Started school again that XXXX ) Some late payment statuses have been removed but not all. All loans during this time frame are from the same school year/loan period but are broken down to smaller increments. It's taking too long to remove these statuses and it's negatively affecting my credit. I've attached an example of were they already corrected some of the loan accounts. the same should be done with rest
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2021, I received an email from the Department of Education advising that I consider re-establishing Direct Debit for my Federal Student Loans with my servicer ( FedLoan Servicing ). On XX/XX/2021, I visited the FedLoan Servicing website to re-establish my Direct Debit. Following the re-establishment of my Direct Debit, I am now simultaneously receiving conflicting information about my monthly payment due date on two different screens within the FedLoan Servicing website. On the payment due date screen, the website displays my original payment due date of the XXXX of the month. On the Direct Debit screen, my payment due date is now reflected as the XXXX of the month. I did not request a change to the XXXX of the month. Additionally, I do not believe that I received any correspondence regarding a payment due date change. I would like my payment due date to remain the XXXX of the month ( or another date that falls in every month of the year [ e.g. NOT the XXXX, XXXX, or XXXX ] ). Because of the new, conflicting information on the Direct Debit page, I am unable to discern accurate information about my student loans. Due to this conflicting information, it is obvious FedLoan is giving me incorrect information somewhere on the website.
Company Response:
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I called FedLoan Servicing to ask a question. The computer voice said wait times were longer than 20 minutes and to press 1 in order to receive a callback without losing your place in line. Instead of being offered a callback, the computer system repeated the same message, no matter how many times I selected the 1 option when asked to do so. Finally, FedLoans phone system hung up on me. This is only the latest example of how pitifully bad FedLoan Servicing behaves towards federal student loan borrowers.
Company Response:
State: FL
Zip: 33173
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A