Date Received: 2021-07-27
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: American Education Services claims in a previous Complaint that they have provided reasons for all the complaints submitted to the CFPB. AES is deflecting their criminal actions by trying to blame the consumer for their negligent behavior. These people who respond to these CFPB complaints are not doing their jobs or investigating anything properly. They are simply speaking to their superiors who are probably embezzling funds or are involved in some sort of drug operation which is meant to bankrupt the average everyday taxpaying American. When the company can not even admit that recording phone calls in Pennsylvania without the other party 's consent is against the law, the period of denial is now pathological deceit. If AES can not follow the Wiretapping Laws in Pennsylvania, then AES will likely end up paying a district court for willingly breaking the law for failing to obtain the necessary preparatory technology to not record consumers when they have already made several demands for them to not record the calls. Recording Phone calls in Pennsylvania without two-party consent is illegal. AES is being put on notice to cease and desist with all recordings for any future calls I may make to AES. Failure to do so will create more evidence that may be brought against AES for being negligent in abiding by the Pennsylvania Wiretapping Law. CFPB Complaints will be consistently made until AES can rectify their unforgiveable behavior and offensive degradation of duty. These will also be used as pieces of evidence which are currently being built against AES to prove to the judicial auspices that corrupt individuals can still be found employed at AES and within the board of those financial overseeing companies. This is called a conflict of interest.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On today XXXX I checked my credit and seen some thing on there I did do. Account Name : XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX- # Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX, 1 Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I recently applied for Public Service Loan Forgiveness and have been employed in the public sector with the same employer for over 10 years. I have always paid my loans via auto-pay through my old servicer, XXXX XXXX. Today ( XX/XX/XXXX ), I was able to see the number of payments that qualified towards the program. For some reason, starting in XXXX FedLoan stopped counting my payments as being qualified to the program. FedLoan stated they will investigate my situation, but it will take 6 months to a year to complete it ( via phone XX/XX/XXXX ). I contacted my old servicer and they indicated I made no late payments ( via phone XX/XX/XXXX ). I also have autopay records going back to my first payment. FedLoan has announced they will stop being a servicer before the early end of that time frame quoted for their investigation, so I am stuck in a long-term limbo.
Company Response:
State: IN
Zip: 47404
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been contacting Fed Loan Servicing for over a year now and have spoken to numerous customer service representatives and supervisors. I have received different information from many representatives for what was needed to be done to receive credit for my PSLF payments. This year, I have uploaded a PSLF application on XX/XX/XXXX for the United States XXXX XXXX. I served in the XXXX from XX/XX/XXXX - XX/XX/XXXX and have been told to upload additional documents to receive credit for the payments I made while serving. I have been told to upload a copy of my DD214 ( Honorable discharge paperwork ), my W2 transcripts for each year served, an entire history of payments for each and every month while serving with each amount paid, and other documents to receive credit. I have uploaded all documents and keep being told that I still do not have enough information to receive credit. Once again, I have received different misleading information from many representatives along with supervisors that I have requested to speak with. I have been paying student loans under the PSLF program from XXXX. I am supposed to only have a few payments left before I am forgiven for the rest. I have been calling Fed Loan Servicing for over a year now and still no resolution and believe that it will surpass my end date for my loans before this issue is resolved.
Company Response:
State: MA
Zip: 01905
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loans were handled by XXXX XXXX and Fedloan since before XXXX, I was notified by XXXX XXXX and Fedloan about PSLF and XXXX loan forgiveness. As long as I XXXX for 10 years and my loans would be fully forgiven. I was asked to consolidate my loans into 1 which would help the forgiveness process. I have been XXXX since XXXX, and I kept track with both XXXX XXXX and Fedloan to make sure my services were counted toward Public Service Loan Forgiveness ( PSLF ) Payment Tracking. I went back to school to earn my XXXX XXXX XXXX and I did not want to stop payment on the loan or as we call it pause the payment until I finish with my XXXX XXXX XXXX but I felt forced into it and no one told me that the payment tracking would be paused until I earn my degree. Then COVID 19 happened ... ..no interest rate, or payment was collected BUT no one told me that by doing this, it would cause more delays on my service counts. I filled out the PSLF and submitted it in XX/XX/XXXX but nothing was done on my account for well over 7 months. I contacted Fedloan over and over but got no response. I finally contact Fedloan through XXXX and they finally responded and would work with me ... .HOWEVER, I only got 7 months of PSLF instead of 8 years worth of PSLF. Their explanation is I received a XXXX loan forgiveness for 5 years of XXXX. I told Fedloan that no one told me I would have to start all over again, and all I got was excuses after excuses but I have worked hard as a XXXX XXXX XXXX for years and I can not afford to start all over again with the XXXX loan forgiveness or PSLF or whatever the other terminology they use nowadays. This is VERY UNFAIR and I can not start all over again!
Company Response:
State: AZ
Zip: 85746
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Starting in XX/XX/2020, XXXX and I notified Fedloan Servicing that the Loan was forgiven on XXXX XXXX. Official notification was provided in writing notifying them of XXXX decisions as well as multiple conference calls with them and the previous loan provider directing both of them to process the loan write off. Fedloan Servicing has declined multiple request to process the request and continue to report this as a active loan to all the Credit Agencies. Multiple managers with Fedloan Servicing have committed to resolving this issue and communicate back with me with specific timelines. They have failed to meet their commitments .The government agency XXXX advised me to file this actions.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In XXXX I was litigated against for private student loan debt. The servicer was National Collegiate Trust. The loan was past the statute of limitations and I told them that in court ; consequently the case was dropped. I still often receive phone calls and letters from various companies claiming I own the debt. I often receive letters from National Collegiate Trust trying to manipulate me into signing my name to debt that was never verified to me mine. I graduated from college in XXXX so, there is no reason for me to have student loan debt dated for XXXX. My name and credit information has been in several credit breaches. The debt is now over 10 years old. The collection companies know that this is past the SOL.
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
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 , 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. {$3800.00} 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 XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: TX
Zip: 75702
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX Academic year, I was XXXX XXXX XXXX XXXX with proof of transcripts from XXXX XXXX college and XXXX XXXX college. wherefore the the 90/120 Days delinquency should be remove as matter of law under Federal Truth In credit billing act with foreberance in place as a protection and suspension of payments. The statute of limitations for reporting XXXX and XXXX 90/120 days late has also expired. Must all be delete immediately.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/XXXX I received documentation from FedLoan Servicing regarding the amount of qualifying payments I had made in my Public Service Loan Forgiveness Program. The estimated eligibility dates listed were different from the documentation I received on XX/XX/XXXX. The number of qualifying payments were also incorrectly credited to two of my loans. I have contacted FedLoan Servicing multiple times since XX/XX/XXXX and they have not corrected the estimated eligibility dates and/or number of qualifying payments. After receiving documentation on XX/XX/XXXX with again differing eligibility dates and incorrectly reported qualifying payments, I felt this was the next logical step to have my issue resolved. Please be aware that I did file a complaint to the CFPB in XXXX, which resulted in FedLoan Servicing reporting an inconsistency that I detected between XXXX and XXXX stemmed from a new software program which was implemented to track the number of PSLF-qualifying payments.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A