Date Received: 2021-08-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am in the Public Service Loan Forgiveness program whereupon monthly loan payments made while working at a non-profit institution count towards eventual loan forgiveness. FedLoan Servicing, who services these loans and tallies payments towards eventual forgiveness, erroneously disqualified up to 22 of my qualifying payments. Please refer to the attached documents for tallies towards loan forgiveness dated XX/XX/XXXX versus XX/XX/XXXX respectively. As you can see in comparison, five loan sequences ( XXXX, XXXX, XXXX, XXXX, XXXX ) have dropped from 40-41 qualifying payments made to 19 qualifying payments without explanation. As each qualifying payment counts as a month, this would add an extra 21-22 months of payment onto each sequence before forgiveness is reached ( likely multiple tens of thousands of dollars of extra payments ). When contacting the loan servicer on XX/XX/XXXX ( representative XXXX # XXXX XXXX, I was informed that " natural disaster forbearance '' has been applied to these sequences, apparently retroactively given that qualifying payments were taken away. These are the periods of apparent Natural Disaster Forbearance : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I have certainly never applied for or requested this status nor have I lived in an area experiencing a natural disaster ( XXXX has been my permanent residence for the last two years and XXXX for the four years before that ) so this is certainly a mistake. During this time, I made full, on-time payments each month ( see document TransactionsXXXX downloaded from FedLoan documenting payment history for all loans ). The representative proceeded to say that a review would occur but could not give a time frame ( " likely months '' ) or an explanation for this change. Finally, the US government is ending its contract with FedLoan in the near future, raising the possibility that if this is not resolved in a timely manner, incorrect loan counts will be forwarded to the new servicer, further adding to confusion.
Company Response:
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Hi have reached out multiple times to the school and loan services i have written two letters about my loan and I'm getting no help I never received my certificate from school or any help my school shut down with no noticed.
Company Response:
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am part of the public service loan forgiveness program since XXXX. My loans are through fedloan servicing. In XXXX my loans went into forbearance which I never requested. I immediately called fedloan serevicing and stated that I did not want my loans in forbearance since I need 120 qualifying payments to be eligible for forgiveness. They apologized for the error and my monthly withdraw went right back into effect. I thought everything was fine since I continued to make my payments. When I filed my yearly PSLF form as they suggest you do, it had zero elegible payments from XX/XX/XXXX - XX/XX/XXXX, almost an entire year of payments. I call inmmediately and ask why these aren't eligible. They state that it was because I was in forbearance during that time. I explained that I never requested the forbearance and I had them remove it and then continued making my payments. I did not miss a single payment due to this " forberance ''. They stated they would send this back for review. It has now been over 3 years and I am still fighting for these payments. I have emailed and called dozens of times at this point and I always get the same response - " we will look into it. '' This is putting me almost a year behind getting my loans forgiven. I am extremely frustrated and I am not sure what my options are. I feel like the PSLF program was designed to fail and I may never reach forgiveness even though I has always made my minumum payments and fill out my eligibility forms yearly.
Company Response:
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received letters dated XX/XX/2021 indicating that I have made either 24, 27, or 29 total PSLF qualifying payments, depending on loan sequence. I received further correspondence on XX/XX/2021 indicating that I instead made either 25, 28, or 30 PSLF qualifying payments, depending on loan sequence. As my normal billing date is the XXXX of the month, I do not understand why there would be a discrepancy between correspondence on XX/XX/XXXX and XX/XX/XXXX.
Company Response:
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: 1 ) I am in complete repayment of my Federal Student Loans Account Number : XXXX XXXX XXXX. I did not/or do not wish to be in forbearance during Covid XXXX XXXX XXXX. 2 ) Every year, I recertify my INCOME DRIVEN REPAYMENT PLAN during the summer, and most likely every year in XXXX, or early XXXX. 3 ) THIS YEAR, on XX/XX/XXXX, I submitted my regular IDR Recertification Application. I work as a XXXX and always make aware FedLoanServicing that I am a 10 months XXXXXXXX, who does not work during the summer, per the XXXX XXXX XXXX XXXX XXXX 4 ) On XX/XX/XXXX, at XXXX XXXX, I received an email at my personal email address, stating the following : " Thank you for submitting an Income-Driven Repayment plan request. [ ... ] Once your request has been processed, we will send a communication advising of the outcome.Reminder : Continue to make your normal monthly payment amount until you are approved and receive a bill with your adjusted monthly payment. '' 5 ) On XX/XX/XXXX, at XXXX XXXX, I received the following email, with the contrary statement to the FedLoanServicing 's email from XX/XX/XXXX, notifying me : " We are UNABLE TO PROCESS YOUR RECERTIFICATION REQUEST FOR YOUR INCOME DRIVEN REPAYMENT. A letter will be sent detailing the reasons that WE COULD NOT APPROVE YOUR REQUEST AND THE NEXT STEPS IF YOU THINK THIS INFORMATION IS INCORRECT. '' 6 ) On XX/XX/XXXX, at XXXX XXXX, I called the FedLoanServising at XXXX ( XXXX ) XXXX. I spoke with XXXX, EMPLOYEE ID : XXXX. I ask XXXX, " why MY IDR WAS NOT APPROVED ''. 7 ) XXXX, EMPLOYEE ID : XXXX, stated : " It was not approved, because THE PAYMENT PERIOD of my current IDR payment of {$55.00} WAS EXTENDED TO XX/XX/XXXX, or to the NEXT YEAR. 8 ) I asked XXXX, EMPLOYEE ID : XXXX, if she will send me a LETTER WITH THE SAME STATEMENT. XXXX, EMPLOYEE ID : XXXX stated a FedLoanServicing Letter should be arriving up to 10 days. Once again, I asked, if in the Letter will be stating that " my current IDR of {$55.00} is extended to XX/XX/XXXX, XXXX, EMPLOYEE ID : XXXX, confirmed once again. 9 ) I waited for the letter, worried a few days, and on XX/XX/XXXX, I called he FedLoanServising at XXXX ( XXXX ) XXXX once more. I spoke with XXXX, EMPLOYEE XXXX. 10 ) I explained to XXXX, EMPLOYEE ID:XXXX that the reason for my inquiry is THE LETTER ; I was promised to received/or be mailed the Letter, by XXXX , EMPLOYEE ID : XXXX. 11 ) XXXX, EMPLOYEE ID:XXXX told me there has not been 10 days since I inquired, and I should be receiving it 'next week ''. Once again, I asked XXXX, EMPLOYEE ID:XXXX, " why my IDR has not been approved. '' XXXX, EMPLOYEE ID:XXXX, stated : " It is too early, and you should re-certify next year, as due to Covid, there is an extension of 20 months. '' I should re-certify on/by XX/XX/XXXX. 12 ) On XX/XX/XXXX, I received a VERY UNCLEAR AND CONFUSING LETTER FROM FEDLOANSERVISING. The Letter stated : " We reviewed your Income-Driven Repayment ( IDR ) plan form and could not process your request for the following reasons. The reasons below will detail what actions you need to take so we can continue processing your request. If we do not receive the updated documentation as soon as possible, we may have to cancel your request and then you will need to start the process of applying for an IDR plan again. NOT ELIGIBLE YET : You indicated on your request that you are submitting documentation for the annual recalculation of your payment but it is not yet time to recalculate your payment. We will notify you when it is time to submit your annual recertification documentation. However, you do have the option to recalculate your payment early. '' 13 ) NOTHING IN THE LETTER SPECIFIED ANY PERIOD IN WHICH WILL BE 'A TIME TO RECERTIFY '. ON THE CONTRARY, FEDLOANSERVISING WITH A VAGUE STATEMENT ISSUED THE FOLLOWING : '' If we do not receive the updated documentation as soon as possible, we may have to cancel your request and then you will need to start the process of applying for an IDR plan again. '' 14 ) THERE WERE NO WRITTEN STATEMENTS IN THE LETTER from XX/XX/XXXX CONFIRMING THE PHONE STATEMENTS OF XXXX, EMPLOYEE ID : XXXX, and XXXX, EMPLOYEE ID:XXXX, WHO TESTIFIED OVER THE PHONE, IN RECORDED MESSAGES that " due to Covid, there is an extension of 20 months. I should re-certify on XX/XX/XXXX ''. 15 ) THIS IS UNACCEPTABLE. I AM APPALLED to WHY WERE I DECEIVED BY XXXX, EMPLOYEE ID : XXXX, and XXXX, EMPLOYEE ID:XXXX, REGARDING THE EXTENSION OF MY IDR, AS THE FEDLOANSERVISING LETTER CLEARLY STATED OTHERWISE : if we do not receive the updated documentation as soon as possible, we may have to cancel your request and then you will need to start the process of applying for an IDR plan again. '' 16 ) WHY SHOULD I START THE IDR PROCESS AGAIN IF I HAD A VALID IDR RE-CERTIFICATION APPLICATION? 17 ) I AM INQUIRING WITHIN THIS COMPLAINT ABOUT which are the TRUE STATEMENTS. I re-certified on time, neither early, nor late, and it makes no sense to me for my IDR to be canceled. Ido not wish to loose my IDR Plan for some bureaucratic neglegence. I NEED TO KNOW exactly the time when I have to re-certify as well as the confirmation of {$55.00} monthly payment, per XXXX, EMPLOYEE ID : XXXX, and XXXX, EMPLOYEE ID:XXXX statements.
Company Response:
State: NY
Zip: 14626
Submitted Via: Web
Date Sent: 2021-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I went to college in the XXXX. I consolidated my student loans into Federal Direct Loans XX/XX/XXXX, XXXX. I have consistently been on income driven repayment plans for the last twenty years. On XX/XX/XXXX I should qualify for forgiveness of the balance under the 20 years of repayments. I have been reaching out to Fed Loan Servicing for months and been given the run around. Most of their customer service representatives state that they are not aware of this program, only PSLF, of which I am not at ten years yet. StudentAid.gov clearly states that : Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 years. under income driven repayment plans. On XX/XX/XXXX, I received the following email after yet another inquiry on how to apply for forgiveness : Thank you for contacting FedLoan Servicing! We are showing that you chanced Income Driven Repayment ( IDR ) plans from the Income Contingent Repayment ( ICR ) plan to the Revised Pay As You Earn ( REPAYE ) repayment plan XX/XX/2017. By changing your IDR plan you started the IDR forgiveness time frame over. With the IDR forgiveness your loans would be forgiven and may be taxable. Sincerely, XXXX FedLoan Servicing This is absolutely not okay. FedLoanServicer changed my plan in XXXX - when I only had four years left to go and now they are telling me that this means the clock started over and I now have an additional 16 years on top of the 20 I have already paid. Both plans are IDR plans ( what I was under before, and currently ). Nowhere does it say that switching between income driven repayment plans will mean you start another twenty years. I have completed all the requirements asked of me to have the remaining balance forgiven, but FedLoanServicer is not allowing me to do that.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been denied 6 times for teacher loan forgiveness. I have been over my paperwork 6 times with FedLoan Servicing and they don't understand why I am getting denied either. I have been told that I can not speak with anyone at the government level and that I can only communicate with FedLoan Servicing. FedLoan has even talked to my employer, XXXX XXXX XXXX, to confirm employment for 5 years and I keep getting denied. I need a concrete answer as to why I am being told I have not done 5 years of service when I have. Where is the lapse in my service so that I can understand how to fix it if there is even an error on my part. Thank you! It is my understanding that you can teach at different schools within a district as long as the schools are Title 1. In XXXX, I had split duties between XXXX XXXX XXXX and XXXX XXXX XXXX. In XXXX, I was assigned to XXXX XXXX XXXX. From XXXX, I was assigned to XXXX XXXX XXXX XXXX
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FEDLOAN bal. {$63000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FEDLOAN bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XX/XX/XXXX I submitted my Public Service Loan Forgiveness information to FedLoan and they disregarded the documents I sent to them and said I didn't qualify and refused to accept my military service dating from XXXX XX/XX/XXXX and I am still XXXX XXXX XXXX XXXX to this date. FedLoan declared they could only count a years worth of my payments as qualifying. I called them and they said to send my paperwork again. I recently sent it in again ( XX/XX/XXXX ) and they wrote me back declaring that only 22 of my payments count towards PSLF. FedLoan refuses to count any of payments made dating back to XXXX when the loans were consolidated to qualify for the PSLF. At this point I should have 108 qualifying payments. When reached out to again FedLoan has yet to respond. They are doing their best to cheat military and public service members out of the PSLF. I would like to have them held accountable for wasting my time and will file a lawsuit if necessary to have them abide by the law created for PSLF.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A