Date Received: 2021-10-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I XXXX XXXX entered a consumer credit transaction with Fed Loans Servicing on XX/XX/XXXX. I investigated and found fraud and several violations committed by Fed Loan Servicing. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit D that Fed Loan Servicing is in violation of 15 USC 1605 ( a ). A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Fed Loan Servicing Union in fact charges me outside the finance charge and takes electronic cash from me as monthly payments and continues to apply additional charges to the alleged account as shown in Exhibit A, Exhibit B and Exhibit D. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit D and Exhibit D that Fed Loan Servicing is in violation of 15 USC 1666d ( B ). Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer. Fed Loan Servicing in fact produced false and misleading statements that I owe the alleged debt on a positive balance due Fed Loan Servicing has failed to refund me any part of the amount of the credit balance, upon request of the consumer as shown in Exhibit A, Exhibit B and Exhibit D. On XX/XX/XXXX, I sent an affidavit via certified mail ( Exhibit I and J ) to Fed Loan Servicing where my instructions state I am demanding monetary relief of {$100000.00} as shown in Exhibit H. Fact, affiant is aware and has proof in the attachment labeled as Exhibit G that Fed Loan Servicing is in violation of 15 USC 1692c ( b ). ( b ) Communication with Third Parties : Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Fed Loan Servicing in fact has provided third parties personal, false, and derogatory information that is sabotaging my character without my consent as shown in Exhibit G. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit C and Exhibit D that Fed Loan Servicing is in violation of 15 USC 1692d ( 1 ). The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Since XX/XX/XXXX, Fed Loan Servicing in fact has sabotaged my reputation by threatening to report as shown in Exhibit A, Exhibit B, Exhibit C and Exhibit D and is reporting fraudulent and delinquent information to third parties as shown in Exhibit G. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit C, Exhibit D and Exhibit G that Fed Loan Servicing is in violation of 15 USC 1692d ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Since XX/XX/XXXX, Fed Loan Servicing in fact has harassed and abused me in connection with collection of the alleged debt by using obscene language as shown in Exhibit A, Exhibit B, Exhibit C, Exhibit D and Exhibit G. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit D that Fed Loan Servicing is in violation of 15 USC 1692e ( 2 ) ( A ). A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The false representation of ( A ) the character, amount, or legal status of any debt. Since XX/XX/XXXX, Fed Loan Servicing in fact has provided me with a false representation on the amount of the alleged debt as shown in Exhibit A, Exhibit B and Exhibit D. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit D and Exhibit G that Fed Loan Servicing is in violation of 15 USC 1692e ( 10 ). The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Since XX/XX/XXXX, Fed Loan Servicing in fact has provided me with false and deceptive statements in connection with the collection of the alleged debt as shown in Exhibit A, Exhibit B, Exhibit D and Exhibit G. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit C and Exhibit D that Fed Loan Servicing is in violation of 15 USC 1692e ( 11 ). The failure to disclose in subsequent communications that the communication is from a debt collector. Since XX/XX/XXXX, Fed Loan Servicing never disclosed with me on each exhibit that Fed Loan Servicing is attempting to collect a debt as shown in Exhibit A, Exhibit B, Exhibit C and Exhibit D. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit C and Exhibit D that Fed Loan Servicing is in violation of 15 USC 1692f ( 1 ). A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Since XX/XX/XXXX, Fed Loan Servicing in fact attempts unfair debt collection monthly as shown in Exhibit A, Exhibit B, Exhibit C and Exhibit D. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit C, Exhibit D and Exhibit E that Fed Loan Servicing is in violation of 15 USC 1692f ( 7 ). A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. ( 7 ) Communicating with a consumer regarding a debt by post card. Since XX/XX/XXXX, Fed Loan Servicing in fact has communicated with me regarding the alleged debt by post card as shown in Exhibit A, Exhibit B, Exhibit C, Exhibit D and Exhibit E. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit C, Exhibit D and Exhibit E that Fed Loan Servicing is in violation of 15 USC 1692f ( 8 ). A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Since XX/XX/XXXX, Fed Loan Servicing in fact uses a symbol other than the debt collectors address and it indicates that Fed Loan Servicing is in the debt collection business on an envelope when communicating with me via physical mail as shown in Exhibit A, Exhibit B, Exhibit C, Exhibit D and Exhibit E. Fact, affiant is aware and has proof in the attachment labeled as Exhibit F that Fed Loan Servicing is in violation of 15 USC 1692g. Fed Loan Servicing in fact failed to provide the five requirements listed under 15 USC 1692g in repeated investigations to validate the alleged debt as shown in Exhibit F, XXXX deleted the account from the consumers credit file. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit D and Exhibit G that Fed Loan Servicing is in violation of 15 USC 1692h. If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer, and where applicable, shall apply such payment in accordance with the consumers directions. Fed Loan Servicing in fact has failed to follow my instructions highlighted in Exhibit H. Exhibit I and Exhibit J show proof Exhibit H was mailed to Fed loan Servicing.
Company Response:
State: MD
Zip: 20706
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I believe I am eligible for loan forgiveness through the PSFL program. I submitted employment certification documentation for the two employers I've had since XXXX. I first submitted paperwork back in XXXX of XXXX and was later told they didn't have it. I resubmitted it again around XX/XX/XXXX and waited a couple of weeks to give them time for processing. When I called back I was told it was under review and could take months to show on my account. I didn't press it because there is a moratorium on payments due to COVID, but then I tried to call again today because I'm certain I have the eligible number of payments to have my loans forgiven under the new waiver program. I have currently been on hold for over 3 hours and when two humans finally picked up, it was to transfer me or hear my question for less than 1 minute and then put me back on hold for another hour. Fed Loan Servicing is a terrible company.
Company Response:
State: CA
Zip: 92069
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Attached below is my FTC report on Fed Loan Servicing. I entered a consumer credit transaction with them and Fed Loan Servicing acquired my negotiable instrument attached down below which is payment according to Federal Law. Fed Loan Servicing is now stating that I owe them money, how is this possible when my promissory note was taken during the consumer credit transaction as payment along with my social security number and signature. Also the original promissory note failed to disclose my rights as the debtor pursuant to 16 CFR 433.2 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Can Fed Loan Servicing please provide the original agreement and bank keeping entries ( GAAP ) for the record to show that I owe such alleged debt. I have the right to request such documents due to the Freedom of Information Act. Should the one who funded the loan be repaid the money? It will be considered fraudulent concealment and deceptive from of fraud if Fed Loan Servicing can not provide : The original party who funded the loan Book keeping entries Full material disclosure pursuant to 15 USC 1602
Company Response:
State: NC
Zip: 28602
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been a XXXX XXXX since XX/XX/XXXX and not once during that time have I ever been able to have my Public Service Loan Forgiveness properly processed. In preparation for the latest round of requests for that, I went onto StudentAid.Gov and found a number of discrepancies that I would like your help with understanding and hopefully correcting. My student loan ( actual student loans with no consolidation ) story began in XXXX and continued through XXXX while I was in undergrad, graduate school and a year at law school, where I learned that was not the career for me. This loan history, along with helpful notations like paid in full, cancelled, and paid in full by consolidation '' ( as distinct from paid in full ) are noted. I have attached a sheet and while the notes regarding what was paid in full by me privately versus what was paid in full by consolidation match what I actually recall, the subsequent activity and notes in the details about loans that were paid in full getting paid a second time by consolidation are alarming and may explain how I now owe {$140000.00} after borrowing {$94000.00}, of which {$18000.00} was cancelled due to fraud and toward the retirement of which {$23000.00} in payments were made to various servicers retained by the Department of Education. By their own records, between XX/XX/XXXX and XX/XX/XXXX ( while I was in school ) I consolidated {$20000.00} in subsidized loans and {$28000.00} in unsubsidized loans. I think those are most likely wrong because in XXXX including loans that I took out in XXXX to XXXX I had {$36000.00} in subsidized loans and {$21000.00} in unsubsidized loans and had made payments to the providers. Nevertheless, in XXXX the Department of Education consolidated in Direct Loans ( with in school payment and interest forbearance and a promise of cancellation after 25 years ) {$49000.00} in student loans which we can say was my outstanding balance as of XX/XX/XXXX. At that time, I had secured a fellowship but the funding was pulled so I subsequently went back and took out {$13000.00} in subsidized loans and {$4900.00} in unsubsidized loans. Those were backed by the XXXX and I paid those loans back directly to them through a compromise with a payments of 75 % of the balance. In XXXX, 7 years after my first consolidation, my loans were reconsolidated and switched to a new servicer, the amounts reconsolidated for the non-subsidized portion were {$7300.00} on XX/XX/XXXX and {$37000.00} on XX/XX/XXXX. The subsidized loans followed that pattern with {$19000.00} consolidated on XX/XX/XXXX and {$26000.00} consolidated on XX/XX/XXXX. Then, in XXXX, another new servicer and another consolidation with the balances growing to {$62000.00} and {$79000.00} under the new servicer. So, just to recap, {$94000.00} dollars in loans, {$18000.00} of which were cancelled, so a net of {$76000.00} in actual loans with payments of {$23000.00} to the various servicers of the consolidated loans and {$18000.00} paid back directly to the guarantor and somehow I owe more than {$140000.00} and I would like to request documentation of that. What was consolidated in XXXX, what was added on in XXXX and what was added on again in XXXX. Basically, how did the balance double. Why am I not eligible for the 25 year forgiveness and/or the Public Service Loan Forgiveness program ?
Company Response:
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been waiting results from Fed Loan Servicing for PSLF qualification of a prior employment for a number of months. Said employer most definitely qualifies for eligibility and former colleagues from this employer have recently been qualified. All required paperwork ( forms sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc ) has been filed on my behalf. Phone calls and emails have been placed ( XX/XX/XXXX ) by this employer as well as by myself however to no avail. Attempts to speak with someone directly have been futile and simply result in automated messages with recorded advice to visit the website which only perpetuates the vicious cycle.
Company Response:
State: NJ
Zip: 07719
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am currently enrolled in an Income Driven Repayment Plan with FedLoan Servicing. I am on this plan to reach the point of Public Service Loan Forgiveness ( PSLF ) as I work in XXXX XXXX. I am on the path to reach my 120 payments towards forgiveness when suddenly NUMEROUS payments disappeared from my account. In XX/XX/XXXX, I submitted my annual re-certification to confirm I'm still employed in XXXX XXXX. In XXXX, I received my letter outlining my total number of " Qualifying Payments ''. I am very diligent with checking from the previous letter to compare as full & on-time payments in the past have not been calculated in ( 2 prior disputes with this company ). In XXXX when I received my letter, my total was 68 qualified payments. In XXXX, I sent in my re-certification again. This certification is typically done by me in XXXX, but we were prompted to re-certify as the pandemic brought on layoffs, so I re-certified earlier than usual at the request of Fedloan Servicing. This generated a letter in XXXX that I received with my updated number of Qualifying Payments. However, this letter was missing 33 qualifying payments from the letter I received just 5 months earlier AND didn't add in the 5 qualifying payments that were supposed to be calculated in through the emergency relief up to that point. When I called FedLoan Servicing on XX/XX/XXXX, I spoke with XXXX ( Employee ID # XXXX ). He transferred me to XXXX ( Employee ID # XXXX ). They looked into it and saw this discrepancy. He confirmed that all of my payment have been in full and on time and didn't understand how or why they would just disappear like that. He guessed it to be a " computer glitch '' and put in a dispute for 38 total months for review. This was the 33 missing payments that I had evidence that I paid for, and the 5 that weren't calculated in from the emergency relief bringing my total to 38 for review. 2 months later on I called again. On XX/XX/XXXX I spoke with an employee of FedLoan Servicing. They told me that there has been " no movement '' and no resolution with the disputes so far and to try back at a later date. 3 months later on XX/XX/XXXX I called FedLoan Servicing again and spoke with XXXX ( Employee ID # XXXX ). She transferred me to the PSLF Dept where I spoke with XXXX ( Employee ID # XXXX ). She said the dispute is still open and there has been no movement or resolution and to try back again later. On XX/XX/XXXX I called FedLoan Servicing again because we received an email stating that FedLoan Servicing will no longer be handling our student loans and that the transition to a new company will begin. I did not want to be transferred to a new company without resolution to this dispute for fear that it may get lost in transition, prolonging the issue. I spoke with XXXX ( Employee ID # XXXX ) who then transferred me to XXXX ( Employee ID # XXXX ). I explained my concerns. XXXX assured me that it would take about a year for it all to transfer over and that we should hear back from the Dispute Department by then. I asked what happened if it didn't, and she said that the " review would get transferred over ''. I asked to speak with the Dispute Department and they told me that they " don't accept phone calls '' and that I just have to wait and to try back again at the end of XXXX. On XXXX I called FedLoan Servicing and spoke with XXXX ( Employee ID # XXXX ) who transferred me to XXXX ( Employee ID # XXXX ) who said that there is still " no movement '' with my dispute. I asked to speak with someone else. They sent me to the " Service Recovery '' department where I spoke with XXXX ( Employee IE # XXXX ). He sent an email to the Dispute Department to add me to the " escalated list '' since it's 7 months and I haven't heard a word about the approximately {$10000.00} worth of Qualifying Payments that disappeared from my account. He said he could NOT give me a time frame that they would find resolution in this. His best guess was that when the system went to enter in the Emergency Relief Forbearance, that somehow it " wiped out '' payments back to XXXX. Again, I asked him who the Dispute Department reports to and I wanted to speak to the " higher ups '' as I have been more than patient. Again, I was told that they exist, but they don't accept phone calls. The phone call ended with that I just had to wait to hear back and that there is nothing else I can do. This needs resolution. And it needs to be resolved prior to the transfer to a new company.
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX and XX/XX/XXXX, loans should have been deferred, Department of Education has place 2 late markings on my credit reports. I have written letters and completed the dispute form and mailed it as directed however, to no avail.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Please see Complaint ID XXXX I was being informed that due to accounting error by the loan servicer, I am being charged for interest that was not previously disclosed to me. To date, loan servicer refused to take any responsibility for their own accounting mistake and poor communication. I hereby request a detailed accounting of the time, amount, and reason the original account balance was calculated, a detailed report and explanation of the mistake that was made by the loan servicer, the corrective action performed, and the justification that the interest ( accrued while I am not aware ) should fell on me. The report made by the servicer is ambiguous and unacceptable. *Please see their response attached. * It reflects no history of payment, no table of principal and interest paid down, and does not justify their response. This is fraudulent behavior and I would like to invite additional investigation and government oversight into this company. I don't know how many others are being told the wrong information on their financial accounts and are paying for the servicer 's accounting errors.
Company Response:
State: CT
Zip: 06824
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: For years, and years Ive had student loans under the XXXX program. Instead of getting paid down, they keep on increasing. Ive been paying since XXXX. I am also the founding executive director of two eligible non-profit institutions listed in the directory. One was founded in XXXX, and another in XXXX. Ive worked in service for 14 years. My loans are now listed as being eligible for forgiveness in XXXX ( 15 years from now ), after I make XXXX payments.
Company Response:
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Over the past few years, through requested audits and working with the CFPB and the North Carolina Department of Justice, Consumer Protection unit, I have tried to receive a fair evaluation of payments I've made to the PSLF program. However, despite that, there are six ( 6 ) payments that still aren't counted as part of my overall PSLF eligible payments made that I believe should be considered eligible due to my conversations with Fed Loan Servicing phone representatives, who advised me each time I had questions about my account. These phone representatives took notes during each of our calls, and it is my belief that Fed Loan Servicing should look into those notes, which will verify that the following payments should be counted as part of my PSLF counts : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX ( You've stated that you will be making a correction to have this payment count ) 5. XX/XX/XXXX 6. XX/XX/XXXX With Fed Loan Servicing sending student loan accounts to a new servicer this XXXX, I believe that this issue needs to be resolved prior to the transfer of my account. Thank you for your assistance in this matter. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Email on XX/XX/XXXX Dear Fed Loan Serving, I wanted to provide my addendum regarding my request for an audit of my account prior to any transfer to my account to a new student loan servicer. Specifically, I would like a detailed explanation as to why the following student loan payments were *not* counted as part of PSLF counts, which is currently at XXXX/XXXX. It is my belief that based on guidance from Fed loan Servicing phone representatives, I followed the appropriate instructions related to payments for the following months and believe that they should part of my PSLF counts : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX ( You've stated that you will be making a correction to have this payment count ) 5. XX/XX/XXXX 6. XX/XX/XXXX Throughout my experience with Fed Loan servicing, I have always turned to your phone representatives to answer any questions I had related to my payments, and believe that the 6 monthly payments should count toward my PSLF. Because of the urgency of this issue and the transfer of Fed Loan student loan accounts to another servicer in the next few months, I will be elevating this issue to the CFPB and the North Carolina Department of Justice, Consumer Protection Unit. Please conduct a diligent audit for the months noted above, so that this issue can be fully resolved before the transfer of my account to a new servicer. Thank you, and I appreciate all of your help in this matter. Best regards, XXXX XXXX
Company Response:
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A