Date Received: 2021-09-15
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have enrolled into XXXX XXXX XXXX because I was told I would be able to get a job right after my XXXX XXXX in XXXX. That did not happen. In XXXX, I worked hard and received my XXXX XXXX. After my XXXX, I requested to change my major and my field of study and was denied. Due to that, in XXXX, I started working for my XXXX XXXX with no other choice. I was not able to complete a class with a grade that they wanted, so the University kicked me out with only a half or a quarter credit left on my XXXX. I have never been able to find a job with any of my degrees. Now, I am homeless doing my best to find a solution to not have my wife and I on the streets this winter. Unfortunately, I can not work in any hard or medium labor jobs that don't require degrees due to XXXX, XXXX, XXXX, and many more problems resulting from a car accident. I was told years ago that I would not make it to XXXX and without a job or insurance I can't even find a doctor who will help me with my health. Without the doctor, Social Security XXXX keeps denying me for benefits due to lack of medical records that last 6 months. Without having any job or form of income, minus my wife 's social security for her XXXX , I am unable to care for myself or my family. With only my wife 's Social Security ( {$790.00} ), my credit report dragged down with student loans, and unable to find a job I can do in my field, we can't even get into the lowest form of trailer park that's only {$400.00} a month, which was our last hope before winter. If I pass away sometime soon, my wife would have to deal with the {$100000.00} of FedLoan debt because I was scammed when I was younger and believed the promise of a job which would of lead to a good life for my family and I. I feel useless and less of a man for it and wish I could change a lot that happened in my life so my family and I are not on the streets anymore and I can make sure there is always " bacon '' in the fridge because I should have been " bringing home the bacon '' and supporting my family with my degrees. Thank you for taking the time to check this out. I appreciate this a lot.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hi, I've worked for a XXXX agency that is part of student loan forgiveness. I've applied for PSLF and TEPSLF and have been denied despite my 10+ years of service and more than 120 payments. They ( fedloan ) are saying that I have payments " out of window '' or over the amount needed and therefor do not count for PSLF/TEPSLF I've submitted paper work to fedloan several times showing that I've worked for the 10+ years and I have 89 payments ineligible under PSLF and 116 under TEPSLF. This ineligible amount varies as the loan is split up into micro loans, it used to be one now its split up into twenty plus loans ranging in value. When contacting fedloan I try to get help but I ask a lot of questions ; and the agent gives up on me and eventually hangs up which leaves me no where after being on the phone for hours. I did get some information that my service has flipped hands many times. It went from XXXX XXXX XXXX, to XXXX, to XXXX, to FedLoan. Who knows what was lost in those transactions between services. I'm trying to get FedLoan to work with me on this issue to no avail after many attempts to have them " review '' my account they tell me to call back in 60 days only to have no record of these actions under a fake case number that was given over the phone. This has happened to me three times now no reviews have been done about these pending missing payments that show on fedloan side. I've tried to work with other agents via fedloan to figure out the missing payments and the math doesn't add up to why I haven't been granted TEPSLF. Any help is greatly appreciated. Much obliged,
Company Response:
State: ID
Zip: 83705
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have requested that XXXX, XXXX, AND XXXX investigate possible inaccurate and unverifiable accounts and the investigation took well over 30 days.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Under the PSLF I should be able to receive loan forgiveness after 120 payments while working full-time in a public service field. I pulled all of my records in XX/XX/XXXX and believed at that time I had made 125 payments on my XXXX student loans. ( Actually, I made far more than that given that I began working in Public Service in XXXX, but the years from XXXX don't work. ) I never received any good explanation of the discrepancy between my account and the PHEAA count on these loans. Then, I lost my job as an XXXX for a XXXX XXXX XXXX due to Covid budget cuts in XX/XX/XXXX. Since that time I have only found 20hr/wk work in XXXX, so none of the " forgiven '' loan payments from this time period count. I would like a direct response to each month of payments ( I have bank statements proving every one ), and why they didn't all get counted.
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: " I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved '' Violation of the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. FEDLOAN Account Number : # XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, You violated the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. . 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. FEDLOAN Account Number : # XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, a deletion of the above account is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. Notice, it is a fact, that, I, agent for principal XXXX XXXX and affiant, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as Department of Education, XXXX, XXXX, XXXX, and XXXX has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation
Company Response:
State: MI
Zip: 48108
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Regarding : Fedloan Servicing account Dear Complaints Services, It has come to my attention, Fedloan ; the student loan servicing program is inaccurately reporting and recording my student loan data, balances, payments, and history. I have brought these inaccuracies to the attention of Fedloan servicing, but have been unsuccessful with corrections. I am writing this correspondence to record a formal dispute and to ask that you help me to correct my student loan history and credit reports. My record of history with Fedloan and entry the Public Service Loan Forgiveness Program : I have worked in XXXX XXXX for 16.7 years I was approved for the Public Service Loan Forgiveness Program beginning XX/XX/XXXX. I was approved for Income Based Repayment for the following years : XXXX, XXXX, XXXX I was approved for the Public Service Loan Forgiveness program for the following years : XXXX, XXXX, XXXX The U.S. Department of Education transferred my Federal loans over the years. My oldest correspondence was an email dated : On Wednesday, XX/XX/XXXX, XXXX PM, FedLoan Servicing XXXX wrote : WHY WE ARE CONTACTING YOU The U.S. Department of Education is transferring some or all of your federally owned loans serviced by XXXX to FedLoan Servicing . At the instruction of, Fedloan Servicing, I began a Consolidation Loan. With the promise of a streamlined process, lower interest rates, lower payments, and an effortless payment process, since I was in the Public Service Loan Forgiveness Program. My only downfall, advised by the consolidations division, was losing my 6 months grace period for my XXXX XXXX with XXXX, but I agreed with continuing in repayment status. I consolidated XX/XX/XXXX. I was provided the following History regarding my nine loans : Loan Sequence XXXX, XXXX each had nine qualifying payments in the Public Service Loan Forgiveness Program, and each sequence loan estimated eligibility date for relief was XX/XX/XXXX. Loan Sequence XXXX had XXXX payments and loan estimated eligibility date for relief was XX/XX/XXXX. In XX/XX/XXXX, I was in the process of updating my Public Service Loan Forgiveness Program application and sending in my Income verification, as I have done yearly and I discovered multiple discrepancies. My documents and records do not match what XXXX is recording and reporting to creditors. I contacted XXXX and once again a service agent advised, submit my normal applications and the errors would be corrected. This same remedy was communicated to me in prior years. This damage has caused me to be disqualified for a home purchase in XXXX. In addition, extending my loan periods. On XX/XX/XXXX, I was provided the following History regarding my XXXX loans : Loan Sequence XXXX, XXXX, each had 71 qualifying payments in the Public Service Loan Forgiveness Program, and each sequence loan estimated eligibility date for relief was XX/XX/XXXX. Loan Sequence XXXX, XXXX had 53 payments and loan estimated eligibility date for relief was XX/XX/XXXX. On XX/XX/XXXX, I checked the Fedloan website to obtain my account information. The website records the following : Loan Sequence XXXX, XXXX, each had 71 qualifying payments in the Public Service Loan Forgiveness Program, and each sequence loan estimated eligibility date for relief was XX/XX/XXXX. Loan Sequence XXXX, XXXX had 53 payments and loan estimated eligibility date for relief was XX/XX/XXXX.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Company Response:
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A Payment was made to bring the account current prior to AES/PHEAA reporting to the Credit Bureaus XXXX however AES/PHEAA deliberately reported that the payment was past 30 days and I believe it is in response to them being spiteful and them retaliating against me for reporting them to multiple Regulators. I can tell you right now that these complaints will continue, because future borrowers should be extremely aware of how AES/PHEAA operates XXXX They appear to create their own rules while ignoring Consumer Protection laws. It is no surprise that they were unable to prove beyond the shadow of a doubt that they weren't incompetent and/or creating situations for borrowers that were questionable, such as converting promised Grants into loans for educators. Ms. XXXX knew what was going on, and so do various other State Legislators. When payments are late but paid before you submit to the Credit Bureas, AES/PHEAA had advised me that they will not report that it was 30 days past due in the past. It is clear that people lie within this company. I've already seen multiple employee comments complaining about this company also saying that morale is bad and management treats people badly. There's a shocker. People are doing just this : https : XXXX https : XXXX
Company Response:
State: PA
Zip: 17522
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have two loans serviced by Fedloan Servicing ( acct # XXXX XXXX XXXX ). Accorded to their records, I have made 153 out of 120 required payments towards these loans towards forgiveness under the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) program. I have called on multiple times and have been told that " everything looks good '' towards these loans getting XXXX, yet nothing has happened. The letter that I received from them ( dated XXXX XX/XX/2021 ), actually has the TEPSLF data missing from what the previous letter showed. In essence, going backwards. I have filed formal complaints with the company, your office, as well as the ombudsman office in Kentucky, both with no results. Below is the wording that I submitted on the loan servicer 's website tonight. Please help!!! I have been working on my TEPSLF package for several months now, but to date I am getting the run around. The last two times that I've called I was told that everything was good and that I would be getting new of my approval soon. This has not happened. I've also filed complaints with you and the ombudsman office ; no results there either. What does it take to get a straight answer about my application? I'm really getting tired of being ignored, and told false information.
Company Response:
State: IN
Zip: 47274
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
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: Credit report shows late on both XXXX and XXXX. Requested to be fixed by Fed Loan and they refused. I was informed by credit bureaus that it isnt their job to make sure its correct. It needs to be corrected because it is keeping me from purchasing a home.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A