Date Received: 2021-08-01
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a XXXX account and 3 XXXX accounts that were originally managed by AES, that first went delinquent in XX/XX/XXXX. I have tried to dispute this 3 times with the credit bureaus XXXX and XXXX and XXXX/AES directly. XXXX and AES is trying to say that my account first went delinquent in XX/XX/XXXX. AES originally had these accounts and sent it to XXXX and XXXX in XX/XX/XXXXbecause it was delinquent and charged off in XX/XX/XXXX. This however, is not the original delinquency date. They are trying to say that I was in deferment but these loans did not qualify for deferment. I have submitted my credit report showing the negative reporting since XX/XX/XXXX. I have submitted the payment history. I even submitted the collection agency and payments I made to them. These accounts are over XXXX years old and need to be removed from my credit. XXXX/AES is refusing to remove it. Please help me!
Company Response:
State: FL
Zip: 33606
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been trying to get loan forgiveness on my student loans under PSLF/TEPSLF. I have been working on this since last XXXX, having submitted paperwork at least 3 times. The summary shows that I've made more than 120 payments on each of my loans, but I was not in a qualifying plan for PSLF. That placed me in the TEPSLF program. The latest communication prior to this week ( XX/XX/2021 ) asked for my tax info, in order to meet the requirements for making payments at least as high as the income-based category. I had always made payments at least as my billing statements indicated prior to this communication, but have increased it to $ XXXX/month, based on this. With the COVID loan suspension, plus my resumed payments, I have over 12 months of payments, based on this newly discovered criteria. I spoked to someone on t he phone last week ( XXXX ), who said that everything looked good, and he would elevate my package, but asked me to submit another application ( which I did ). Now it says that there is an arror in my letter that states my employment end date is before my start date. The application does not show an end date at all, and the stiff working there box is checked. Clearly THEY DID NOT EVEN READ THE APPLICATION! I am really about at my wit 's end over this. I am expected to be perfect in my job, but I can't even expect average service in my dealings this the loan servicer.
Company Response:
State: IN
Zip: 47274
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I recently submitted documentation to figure out what my monthly payments would be. I had been paying {$360.00} per month which was a reasonable amount given my salary and other expenses. My new payment was calculated to be {$920.00}. I have not had a significant change in income over this past year.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: IT would be better to talk face to face, I work for XXXX and could do a TEAMS call. Student loans from XXXX XXXX degree, I never had any Exit counseling ECT or education. I deferred for most of the 12 years I worked as a XXXX employee in XXXX XXXX. They never offered me a payment plan, I made to little to afford to pay with a wife and XXXX little kids. I would have had most of my loans forgiven, with my 5 years a a federal employee. I am in the income repayment plan now, and they prior to this temporary relief from the president were literally Robbing me every month. I begged them for lower payments, they don't care that I am an XXXX XXXX with XXXX children in private schools, holidays, XXXX food expenses Ect. they just lump me in a box, and gave me payments over $ XXXX month. I have been trying to get all my forgiveness months added, its XXXX. they want all docs Wet signed I am not sending my SS # over XXXX, and cant do it from work. in add Fed loans is going to stop servicing my loan. I am scared I will get messed up again waiting to see if loan forgiveness ever passes. 17 years public service, I should not be scared of my own government killing my financial freedom. Thanks
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have disputed many times with XXXX about my credit report and some loans that were effecting my score. I have provided them with all the necessary documents as my identity theft report and they still have not removed it from my credit. Its still showing a negative which effects my score tremendously.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: PHEAA and AES Loan originated with PHEAA was consolidated and was then serviced by AES. The loan amounts are incorrect. I do not owe the amounts listed under PHEAA and or AES. I asked for loan information ie amounts borrowed and total amount owed in XXXX of XXXX. I have yet to receive any information. The total amount of student loan debt listed on my credit reports is far more than the maximum amounts that can be borrowed for XXXX. Essentially, I am being charged XXXX XXXX XXXX dollars in interest payments. These balances are incorrect. Please furnish all loan consolidation and amounts borrowed all information for XXXX PHEAA/AES
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: they ssold my debt without my consent. now another company has a hold on my personal information, and now reporting incorrect information.
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am currently in the PSLF program to have two of my student loans forgiven. I have obtained a " qualifying '' status on 117 of the 120 payments required to achieve loan forgiveness. I completed the 120 necessary qualifying payments in XX/XX/XXXX, so there are only 3 payments on my loans that need to be certified as " qualifying '' before my forgiveness can be approved. The payments are for XXXX, XXXX, and XX/XX/XXXX. However, I am only employed by my qualifying employer until XX/XX/XXXX. If my loan forgiveness is not approved by that date, I will not receive the forgiveness I have been working towards for the past decade. Therefore it is crucial that these remaining 3 payments are certified as " qualifying '' and my loan forgiveness is received in the next 30 days. To that end, I submitted a PSLF application request directly after my XX/XX/XXXX payment date passed, which was as soon as I was able to submit it. At the time I submitted my application, there were 21 payments on my account that had not yet been deemed " qualifying, '' despite the fact that I had submitted an employment certification back in XX/XX/XXXX. After receiving an automated response that my application had been received and was being considered, I submitted a request for expedited consideration around XX/XX/XXXX. I received a response from FedLoan Servicing on XX/XX/XXXX stating that my PSLF application was currently under review to determine if I had been working for a qualifying employer for the required payment period. The response also stated that had I used the PSLF tool on the Dept. of Education website to apply for forgiveness that I might have received an automatic approval, but because I didn't do that, my application required a live representative to review it. But I did use the PSLF tool to submit my application! However, the tool did not recognize that I had made 99 qualifying payments that had already been deemed as qualifying! My current employer is also listed in the PSLF tool database as an approved qualifying employer, so the forgiveness decision should be quick and simple, as the remaining 21 payments that had not yet been deemed " qualifying '' when I submitted my application were made while I was employed at that employer. I am also discouraged because this week the results of my XX/XX/XXXX employment certification suddenly appeared on my PSLF payment tracking page. So, it took over 4 months for FedLoan Servicing to determine that my payments made between XX/XX/XXXX and XX/XX/XXXX were " qualifying, '' despite the fact that my employer is already in their database as a qualified employer for PSLF purposes. What is baffling is why the representative reviewing my file did not also review my PSLF application at the same time they were reviewing my XX/XX/XXXX certification request. It simply makes no sense, considering my forgiveness application had been submitted for nearly a month! Additionally, several years ago, the only way I was able to receive a response from FedLoan Servicing about my qualifying payments ( after attempting multiple times over 2 years ) was to file a CFPB complaint. I received my requested response in about 10 days after filing my complaint. In summary, I am in dire need of assistance with expediting my PSLF application to get the final 3 payments ( out of the 120 required payments ) classified as " qualifying '' and then get the loan forgiveness granted as soon as possible, but for sure before XX/XX/XXXX. This forgiveness is worth more than {$100000.00} to me and my family, so it is imperative that the process is completed in XXXX. Thank you for your help.
Company Response:
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I never had this conversation. I never authorized this payment. I cancelled it just by chance seeing that it would have been taken out of my bank account. My wages are already garnished. They have sued me, garnished my wages, harassed me at work, etc. It never ends. I have paid XXXX + on these loans. With interest the way it is I will never pay them off. It has affected my credit score, ability to buy a home, afford a car, afford to rent. Enclosed is the email I got today. Again, this conversation never took place. " Dear XXXX : During our telephone conversation on XX/XX/2021, you authorized us to make a one-time debit from the checking/savings account below to pay your student loans. Payment Details Borrower Name : XXXX XXXX XXXX Payment Amount : {$86.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Primary Name on Checking/Savings Account : XXXX XXXX XXXX Confirmation Number : XXXX Please retain your Confirmation Number as receipt of payment. The Payment Date above is the date on which we will apply the payment to your student loans. However, please allow up to 3 additional business days for the payment to be posted to your loan account and debited from your bank account. PLEASE NOTE : Your telephone authorization does not permit us to make any debits other than this one-time request. It remains your responsibility to make payments according to the terms and conditions of your promissory notes. QUESTIONS? If you need further assistance, please visit http : //www.aessuccess.org/contact/index.shtml and choose a contact option. If you prefer to email us, the best course of action is to sign in to Account Access and submit your email using the " Contact Us '' feature. =============================================================== Do not reply to this email. If you have questions regarding this email, please contact our technical support staff at XXXX. This email contains privileged and confidential information intended for the above addressee only. If you received this email in error, please delete or destroy this email and/or attachments. AES will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this email.
Date Received: 2021-07-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been in contact with MyFedLoan regarding my loans and the TEPSLF program for over 8 months and nothing has been resolved. I have over 3 years of payments from a previous loan servicer ( XXXX XXXX ) that would qualify as a 'qualifying payment ' under the TEPLSF program, but MyFedLoans is not counting them because they are in a " pending manual review '' status. I have been requesting them to review these paymentss since XXXX and nothing has been done. I just keep getting the run-around from customer service. If they would just review these payment, I know I would qualify for loan forgiveness.
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A