Date Received: 2021-08-05
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: There is some arr, XXXX on all three credit bureaus XXXX and XXXX and XXXX fed loan service, XXXX all three collage, XXXX over charged me for class, XXXX I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at stray university in XXXX and at XXXX XXXX university online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX XXXX university onlne.
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My account was not working with Fed Loan Servicing so I reset my password and wrote it down and saved it to my phone. I paid off some if my loans and the payments have not been reflected on my credit report. I tried to log into my account to print out my documents and see if the payment updated, but my account will not log in again. Fedloan Servicing recently announced they are not renewing users ' accounts which is unfair to allow me access to my account and information. I did not and do not give them permission to send my information to the bureaus nor to another loan servicer since information can be transferred inaccurately and payments that I have paid may not be reflected.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX I signed up for PSLF. My loans were transferred from XXXX to Fedloan Servicing and I used an XXXX Award to make a large payment. At the time, I was on an income-driven plan and my bill was for XXXX dollars. When my payments continued to be XXXX dollars, I thought I was doing everything I needed to do. To my horror, it was only years later that I discovered I had been placed in paid ahead status, and the payments I thought were qualifying ... ..were n't. In addition, I never received any communication to re-apply to the income-driven plan and my approval lapsed, I was placed into an alternate plan with no notice. When the mishandling of many student accounts began to hit public consciousness I anxiously checked my own and discovered I was YEARS off track. I made dozens of calls to Fedloan and old loan holders to try and figure out what had gone wrong and no one could tell me. After months of being denied my own financial records, I had to put in a request with the State Attorney General to get copies of past bills and qualifying payment counts. When I, at last, received the documents I needed, I was able to prove several inaccuracies, and a 22 payment gap between XXXX of XXXX and XXXX of XXXX was identified as the consequence of paid-head status. This is the outcome of deceptive billing practices and horrendous customer service designed to deny students PSLF. There is nothing on the bill to indicate an account is in paid-ahead status. They don't even identify the repayment plan the loan is in!
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been making payments toward Public Service Loan Forgiveness since XXXX. In reviewing my qualifying payment tracking history, the XX/XX/XXXX payment is randomly listed as " ineligible '' for reason of " you do not have a bill due for this payment period ''. There is no authorized or known reason that a bill would have not been due that month, and a payment was made on XX/XX/XXXX in the usual amount of {$67.00} as is demonstrated in the transaction history.
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have consolidated federal loans from medical school that I have been paying on an income driven repayment plan since XXXX. I am currently a XXXX XXXX XXXX and have been working towards Public Service Loan Forgiveness. I have been making payments through the automatic debit system for the interest rate deduction. My XXXX XXXX XXXX is 7 years long, 2 years of which are dedicated to research. These two research years spanned from XXXX XXXX XXXX. During this time, under a 100 % institutional scholarship, I completed coursework toward a XXXX XXXX. As a XXXX, I was still employed and salaried by the hospital, and thus in XXXX as usual I submitted my yearly employment certification form as well as my yearly income based repayment recertification form, both of which were approved and a new payment amount calculated. Despite maintaining and recertifying my salary and making no tuition payments, my loans went into automatic in-school deferment from XXXX. I was not aware of this and assumed my payments were getting automatically deducted as usual until months later in XX/XX/XXXX when I noted that they were not and filled out a form to cancel the unnecessary deferment. I asked Fedloans to please bill me for those months and allow me to make the payments as I had submitted my ECF and IBR recertification forms and those had been approved, and was not making any tuition payments with the scholarship, thus a deferment that I did not request and was applied automatically did not even make sense, however they have not allowed me to do so. Furthermore, when processing the deferment cancellation request my account went into " administrative forebearance '' until XX/XX/XXXX while they processed the form and therefore I missed out on two more potential PSLF qualifying payments. Despite the deferment beginning in XX/XX/XXXX, my XX/XX/XXXX payment also did not get billed. There are therefore 9 unbilled payments ( XXXX XXXX XXXX ) that I feel I am unfairly not being allowed to pay that would qualify towards PSLF, when I demonstrated clear intent to continue to make payments by submitting my employment certification form and income based repayment recertification forms on time that year.
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My servicer is FedLoan Servicing. I submitted a PSLF Employer certification on XX/XX/2021 and have not received a response from FedLoan Servicing regarding the number of qualifying payments I have made towards PSLF. I sent a status update request via email on XX/XX/2021 and was told my PSLF certification was still pending.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: After working for the XXXX XXXX for a number of years and making payments toward my federal student loans under PSLF, I decided to go back to school part time and get a XXXX XXXX. After I went through the financial aid process and started classes in the fall XXXX term, I called and spoke with FedLoan Servicing who advised me that it was categorically not possible to continue to make qualifying payments under PSLF while I was enrolled in XXXX XXXX. I continued to work full time for the XXXX XXXX while going to XXXX XXXX for another four years. I did not make payments during this time and instead put my loans into forbearance where it accrued a considerable amount of interest. I now have {$470000.00} in student loans ( {$63000.00} of which is interest ) and am trying to plan my career and life around how to repay that. I have since learned that I actually could have made PSLF-qualifying payments while in law school -- this means I lost nearly four years in qualifying payments. In addition, the payments that I made under PSLF while I was working for the federal government before law school do not appear in the " Public Service Loan Forgiveness ( PSLF ) Payment Tracking '' feature on FedLoan Servicing. When I've reached out to FedLoan Servicing they weren't able to help. I should have kept records of every payment and notes of every conversation -- but it didn't occur to me that in such a major transaction, the financial institution wouldn't keep my payment records or would give me incorrect information about something so critically important. I worked for the XXXX XXXX for seven and a half years -- from XX/XX/XXXX to XX/XX/XXXX -- but I am looking at starting over with a completely blank slate. Is there anything I can do to avoid this outcome?
Company Response:
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: At the onset of applying for the Public Service Loan Forgiveness, I never received information about my loans and how the Public Service Loan Forgiveness applied to my situation. As I continued to submit my annual certification with the supporting documentation, I never received anything from them. I followed up with calls and they confirmed that they received it and would be applied to my loans. It wasn't until about three years into repayment with the PSLF, I was told that my indirect loans were eligible for the program and that I needed to consolidate the loans to a direct loan. I did that, but with that, I lost about 3 years of repayment.
Company Response:
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I took out a loan in 2006 and have paid over {$18000.00} on a loan disbursement of {$10000.00}. They just notified me of another payment adjustment ( unknown why, none of the reasons fit my situation ), but on the notice they state total repayment is {$17000.00}, which I have exceeded. Their site shows total interest paid of almost {$13000.00}, but my balance is still higher than original distribution of {$10000.00}. They can not provide me a thorough accounting of payments and my payment history online indicates principal paid of {$5700.00} and loan term of 120 months. Have paid on this loan for 10 years this year. The accounting seems 100 % fraudulent. This demands a thorough investigation and consumer protection to provide how my most recent notice of payment change still shows I owe another 114 months.
Company Response:
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I contacted FedLoan to inquire about the # of qualifying payments for the Public Service Loan Forgiveness ( PSLF ) program. The tracker in my account shows 56 qualifying payments and 64 to go for the Direct Unsubsidized Loan, and 55 qualifying payments and 65 to go for the Direct Subsidized Loan. The log showing which payments do not qualify list at least 68 payments for both the unsubsidized and subsidized loans as " Your Payment was Received Outside of Payment Period Window. '' This does not make sense as I was always enrolled in automatic payments and the payments were automatically withdrawn by whatever lender was servicing my loan. I contacted FedLoan via chat on XX/XX/XXXX inquiring about this and was told by the agent that " the date that [ they ] can see a payment was made looks to be correct. So, it may be a system error. Sorry for the confusion. '' I asked if I should provide my bank statements to show that my payments were made INSIDE the payment window and they advised " to wait for the review to complete. '' This is not the first time I contacted FedLoan about the # of qualifying payments. *************** I then sent the following email to FedLoan on XX/XX/XXXX On XX/XX/XXXX, I sent an email asking about the # of qualifying payments attributed to my account as at the time, my account showed 42 qualifying payments for the direct unsubsidized loan and 32 for the direct subsidized. I followed-up on XX/XX/XXXX and XX/XX/XXXX, and both times was told that I would be contacted as soon as a review was complete. Although I was never contacted, I have continued to check my account to see if it's been updated. Now, I have 55 qualifying payments and 72 payments are deemed ineligible because " no payment was received in payment period. '' However, this is incorrect as I was set up for automatic payments, and I have bank records to show that payments were INDEED made on time each month. Please advise how I can submit my bank records to show that these 72 payments do actually qualify. Thank you. *************** I received this response on XX/XX/XXXX : Thank you for contacting FedLoan Servicing! We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). These reviews can take a minimum of 90 days to complete. Unfortunately, the processing time is needed in order for any adjustments to be made. Please keep in mind that we always strive to process any requests as quickly and as efficiently as possible that processing time allows us. As we understand your concerns regarding completion of any requests, we would like to ensure that we comprehensively review accounts to address any requests and concerns. We apologize for any delay in responding to any requests. However, please be assured that a response is sent once any review is completed. We recommend using the File Upload option that is available through your online account to send a document. Correspondence may be sent to us via fax to XXXX or via postal mail to the following address : FedLoan Servicing XXXX. XXXX XXXX XXXX, PA XXXX Please click on the link provided for more information on sending correspondence : MyFedLoan.org/ContactUs Please include your account number with this information as well. Please use the " Contact Us '' link through your online account at MyFedLoan.org to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). Sincerely, XXXX FedLoan Servicing ********** I have not included bank account statements because I must pay a fee for each month that is outside of the past 7 years in order to get a copy of that statement. My payments go as far back as XXXX, and I don't think it's fair to have to pay to show that I did make payments inside the window.
Company Response:
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A