Date Received: 2021-10-19
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir or Madam, 1. FEDLOAN Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau 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, XX/XX/XXXX. I immediately disputed this information with FEDLOAN 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 an 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. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by 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 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 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 a 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 be 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 BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had made student loan payments through XXXX during the Covid forbearance time as I did not know that payments were not required. I also learned in XX/XX/XXXX that I might qualify for loan forgiveness, so I applied and my loans were transferred to FedLoans in XX/XX/XXXX. I had made payments from XX/XX/XXXX through XX/XX/XXXX. Once they had been transferred to FedLoans on XX/XX/XXXX, I was told I could request a refund for the payments made during the Covid forbearance period but I needed to wait for them to receive all the information from XXXX. I initially made the refund request through FedLoans on XX/XX/XXXX. I did not hear anything back, so I contacted FedLoans again on XXXX and was told that they could not find my payment history as it had " not been transferred yet '' from XXXX. I requested my payment history be mailed to me during that same phone call. I called again on XXXX, where again I was told that they could not find my payments. On XXXX, I called and they had found my payments and were initiating the refund request. I called on XX/XX/XXXX to verify that the request had been initiated, and was told it would take 60 days. I didn't hear anything for a while, so I called on XX/XX/XXXX and spoke with XXXX # XXXX who again verified that my request had been initiated, but told me it could take up to 90 days. I called again on XX/XX/XXXX and spoke with XXXX # XXXX, confirming the request once again. On XX/XX/XXXX, I could see in my FedLoans account online that my loan total had been increased by the amount of my payments that I had requested for refund. The added values were {$13000.00} principle and {$17.00} interest, for a total of {$13000.00}. I called that same day to see when my bank account would be issued the refund. I was told that they were waiting for the Department of Education to review the request and issue the refund. I did not receive any refunds, so I called on XXXX and was told that I was waiting on either the Dept of Education or the Dept of Treasury to issue my refund. I made several attempts to contact someone in both of those departments, but kept getting the run around about who was responsible for issuing my refund and where it might be in the process. I filed a report with the Ombudsman on XXXX and have received several email updates over the last 5 weeks, all saying that they do not have any more information and are still looking into the issue. Overall, the process started in XX/XX/XXXX and they are supposedly working through it. The refund for all my past Covid forbearance payments has not yet been issued to my bank account.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir or Madam, 1. FEDLOAN Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau 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, XX/XX/XXXX. I immediately disputed this information with FEDLOAN 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 an 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. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by 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 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 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 a 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 be 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 po box 4503 Iowa City, Iowa 52244
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been trying to work with my student loan servicer to request a retroactive bill be created for two months that I was placed in forbearance, that was not requested and without my knowledge or permission. One date was in XX/XX/XXXX with a prior loan servicer, and the second for one day in XX/XX/XXXX when my loans were transferred to another loan servicer. Because of this, it caused me to miss two payments that would have otherwise been counted towards my 120 payments under the Public Service Loan Forgiveness program. Additionally, my loans were in automatic payment and significantly lower in XXXX and XXXX than they currently are because of my repayment plan under the Income Based Repayment plan. I requested a manual recount to attempt to correct my payments in XXXX, which were updated in XX/XX/XXXX. My payments were significantly off following the recount, and I requested a subsequent manual review through XXXX in XX/XX/XXXX ( XXXX with XXXX XXXX and XXXX XXXX ). After not hearing back for several months, I contacted FedLoans again on XX/XX/XXXX and told that my request had been changed to an Escalated Review Case # XXXX. My counts were reviewed updated on XX/XX/XXXX, however, there was no retroactive bill created for the involuntary forbearance dates. I contacted the FedLoans ombudsman on XX/XX/XXXX ( XXXX XXXX ) who reopened my case # XXXX and notated it as a Second Level Review. I was told that my case would be reviewed and that I would get a response in approximately 7-10 days. Additionally, I have uploaded documentation to show the dates placed in forbearance, as well as bank statements from XX/XX/XXXX and XX/XX/XXXX to show that I was making automatic payments deducted monthly at the time. As of today, I have still not received any correspondence about the status of my request. Including the two payments that would have counted in XX/XX/XXXX and XX/XX/XXXX if not for the non-requested forbearance that I was placed on, I would now be at 120 payments for nearly half of my student loans and able to apply for forgiveness under PSLF. In addition, I will be two months away from applying for forgiveness on the rest of my student loans. I have been making and tracking my student loan payments for 10 years now, including annual XXXX recertifications and numerous employment certifications, and hoping to correct this to be able to apply for forgiveness as promised. Thank you for any assistance you can offer.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I contacted FedLoan Servicing via XXXX XXXX on XX/XX/XXXX ( the chat feature on the FLS website was not working at the time ) to request a refund of a payment for {$1500.00} I made on XX/XX/XXXX after the COVID forbearance began. I received an email on XX/XX/XXXX from a Customer Service Associate at FLS stating that the request for the refund had been submitted and could take anywhere from 2 weeks to 2 months depending on the Department of Treasury. I called FLS after 2 months had passed and was told that they could see that the request had been made but it had not been processed and that they would expedite it. On XX/XX/XXXX, I sent another message on XXXX XXXX to check on the status of the refund request. I did not receive a response to that XXXX message so on XX/XX/XXXX I called and spoke with someone at FLS who stated that FLS could not issue the refund because the payment was made to XXXX ( my loans were transferred in XX/XX/XXXX from XXXX to FLS ). As a result, the refund requests were being cancelled each time. I was also told that I would need to contact XXXX instead even though they no longer service any of my student loans. I called XXXX and they were understanding and helpful but said they would need to look into it. I then received a call on XX/XX/XXXX from the Customer Service Associate at FLS who was assisting me previously and she stated that she found proof that I made the {$1500.00} payment in XX/XX/XXXX and she submitted that proof. She stated it was now pending approval from the Department of Education and that it takes 7-10 business days to receive the check once it is approved. My loan balance in the FLS website now reflects that {$1500.00} has been added back to my loan balance but the refund has not been issued to me. I checked in again with FLS on XX/XX/XXXX and was told that the request had been resubmitted and was pending final approval from Federal Student Aid. I checked in again and received an email that my most recent request from XX/XX/XXXX was still pending final approval and that it required a secondary review due to being a higher amount. Once approved, it would take anywhere from 2 weeks to 2 months. As of XX/XX/XXXX, the refund has not been issued. It has been 5 months since the refund was originally requested. I do not know who to contact at this point because each time I ask, I am told that a different entity is reviewing or needs to approve the refund ( Department of Education, Department of Treasury, Federal Student Aid, etc. ). I do not know who to contact at this point as the person who is following my case at FLS replies each time that it is still awaiting approval and takes 2 weeks to 2 months and names a different department each time who still needs to review the refund. I am trying to get this resolved before FLS stops servicing my loans once their contract ends. Any assistance would be appreciated in resolving this matter.
Company Response:
State: KY
Zip: 40324
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Last year in 2020 I tried contacting my student loans to get student loan forgiveness and they said I qualified but its still on my credit
Company Response:
State: FL
Zip: 33967
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This complaint is in regards to FEDLOAN Servicing and implementation of the Public Service Loan Forgiveness ( PSLF ) Program. Since my employment with local government in early XXXX to my federal sector employment beginning in late XXXX, I have had over 10 years plus of certified employment pre-pandemic and under the emergency COVID-19 forbearance period effective until XX/XX/XXXX. As of XX/XX/XXXX, FEDLOAN has acknowledged my application and has updated my qualifying payment counts to be over 120 payments for a total of 4 of my 5 Direct Loans consolidated with FEDLOAN. I have been advised my application for loan discharge of the remaining balance of approximately {$43000.00} is still pending as of XX/XX/XXXX submittal and XX/XX/XXXX correspondence by FEDLOAN servicing. I have filed a complaint with US Department of Education at StudentAid.gov. It is my sincere hope that my request for TEPSLF is expedited and the outcome is favorable for loan forgiveness under TEPSLF or under PSLF per. the XX/XX/XXXX waiver.
Company Response:
State: MD
Zip: 21037
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
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 have LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I went thru a bankruptcy and these loans were discharged and they have never stopped billing and collecting from me. This has been a hardship financially for me for YEARS. Please talk to the PHEAA for me and have them honor the bankruptcy from 2007!!
Company Response:
State: MI
Zip: 49009
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A