Date Received: 2021-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The dates of the account opened reflects different dates that are not accurate.
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loan with a balance of about {$1200.00} is being reported incorrectly. It is currently held though American Education Services. They have held the loan since XXXX and have not reported the loan as current or any of the payments that I have made. The loan is still listed as held by a prior servicer and in default. This is causing continued damage to my credit and affecting my ability to refinance other loans.
Company Response:
State: NY
Zip: 14094
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
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: FedLoanServcing As of XX/XX/XXXX they're still reporting FALSELY. I see what's going on. For example the original high balance is {$2800.00} BUT once I make a payment, they're changing the new balance to be the " Original High balance '' therefore resulting in my debt to ratio over exceeding ( over 30 % ). It's appearing that payments are not being made, causing my XXXX to stale and not increase. I disputed several times with all three credit bureaus and NOTHING is being done about the falsifying of data and disparities to my FICO score. I called last month XX/XX/XXXX and spoke with a Rep, of course she placed the blame on the credit bureaus, Rep stated they're accurately sending data through e-coach. Rep wanted to see a copy of dispute results so I uploaded it onto the website so she can view the dispute. She ensured me that the issue should be resolved. She did find it strange that my rejected {$50.00} payment on XX/XX/XXXX actually got reported to the credit bureau. XXXX shot up 52 points after a ( fake ) {$50.00} payment YET authentic large payments FICO doesn't increase. I understand why now. Fed loan is CONTINUING to falsely report principle ( remaining balance ) as the high balance. Example once I got my payment down to {$2500.00} from {$2700.00}. They're reporting {$2500.00} as the high balance AND remaining balance. It's should reflect High balance as {$2800.00} and remaining balance {$2100.00} ( my last payment on XX/XX/XXXX wasn't reported as well and they report at the end of each month. I've been dealing with this now since XX/XX/XXXX going back and forth getting no where. Fed loan & XXXX XXXX say it's the Credit Bureaus and The Credit Bureaus say it's the Creditors. I've Attached images and proof of payments.
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have a federal consolidation loan. My wife and I went through a chapter XXXX bankruptcy. We made the student loan payments as part of our monthly amount dictated by the federal trustee. We made 60 consecutive payments. However these payments do not count towards our 120 payments for PSLF program according to Fedloan. This is absurd. 60 straight monthly payments, directed by a federal Court, should absolutely count towards the 120 necessary for the PSLF program. This is criminal that they do not count. Please help me get the credit for payments that I deserve. Current interpretation amounts to financial double jeopardy.
Company Response:
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am participating in the Public Service Loan Forgiveness program. I submit Employment Certification Form ( ECF ) at least once each year to verify my employment so that I will be able to see that my payments count towards the program in real time, also as it is recommended for PSLF by Fedloan. I submitted an ECF in early XX/XX/XXXX ( around XX/XX/XXXX ) and received an email on XX/XX/XXXX that more time would be needed to verify my employment. I called Fedloan on XX/XX/XXXX to check the status and was told by XXXX ( Employee ID XXXX ) that she is not sure why the employment was not certified and she would put the form through to be expedited. My employment has still not been verified since that submission. Therefore, in late XX/XX/XXXX ( around XX/XX/XXXX ) I submitted an additional ECF. On XX/XX/XXXX I received the same email stating more time was needed for review and I still have not heard the results of that form. I spoke with Fedloan representatives two additional times, both of whom said both forms should have been approved by now. I have done everything necessary to qualify for the program and Fedloan is not verifying my employment in an appropriate timely matter and I would like this looked into. The two ECF 's I've submitted this year are attached. Thank you.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: As required by the stated guidelines for the Public Service Loan Forgiveness program since XXXX, I submit Employment Certification Forms annually to maintain eligibility for PSLF. At most, this process of certifying employment and eligibility has take 2 weeks to get a response from the student loan servicer MyFedLoans/PHEAA. I am now eligible for loan forgiveness through the Temporary Extended Public Service Loan Forgiveness program and have been for more than a year, after maintaining eligibility for 12 years of regular monthly payments, but the servicer is saying they need more time to certify my employment. I have recertified every year, the servicer already has records of employer eligibility, so there is no reason for a delay to a process that has taken 2-3 weeks in the past. A representative even called me with a question the week I submitted the revised ECF and TEPSLF application form XX/XX/XXXX to verify information so I know it was reviewed by a human. When I called MyFedLoan on XX/XX/XXXX to inquire the status of my application I spoke to four different representatives and PSLF specialists ( # XXXX, # XXXX, # XXXX, # XXXX ) and they all confirmed there is a backlog of applications and was told process for certifying employment was changed to the Department of Education. I called the Student Loan Support Center at the Dept of Ed to confirm the same day, to inquire what I needed to do to escalate my application, and was told this was incorrect, MyFedLoan is the Department of Education processor, and transferred back to MyFedLoan, and was told to use the online tool to submit the paperwork I have already submitted, including tracking down signatures from 12 years of employment which were already scanned uploaded and approved on the MyFedLoan website. There is absolutely no justifiable reason for the delay, the processor already has the records they need to certify employment, eligibility for loan forgiveness, and to pass the TEPSLF application back to the Department of Education for approval and loan forgiveness. The servicer knew there was going to be a backlog of eligible applicants as this program has been around for more than a decade and delaying forgiveness is a disservice to the public servants who have been working towards forgiveness for the duration of the program.
Company Response:
State: NC
Zip: 28792
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello, This is my second complaint with AES Success. My XXXX complaint was about them was not following the repayment on my loan documents and starting my interest payments early and not sending anything in writing about any payment being owed. I had found about about this when they reported it to the credit bureaus. When I filled my complaint my loan documents in pheea/pa forward matched mine exactly. I went in this morning and my loan document was changed to match what they were saying my start date of my interest was due. I guess they can go in and just change the terms of the loan. I guess they went in after my complaint to match what they were saying and basically changed the loan document after I had signed the other documents that I have on hand. I'm making my second complaint because I just got a letter and now they have changed my repayment. They now have changed my repayment to start repaying my actual loan payments when the loan document that I have and the one they changed online to start my payments of XXXX of XXXX, XXXX. My repayment on my original loan documents that I have say XX/XX/XXXX. The updated loan documents that I did not electronically sign that they have now updated shows XX/XX/XXXX. Is this legal for them to just to be able to change loan terms??? My daughter is in school until XX/XX/XXXX. Why am I being required to now start repaying a loan that shouldn't be due. I'm only requrired to make interest payments until XX/XX/XXXX. Why can this company be allowed to just go in and change loan documents whenever they choose??? I work in the car industry and deal with car loans on a daily basis with paper contracts and electronic contracts. If one of the banks we use or our dealership modified loan documents after they were signed the dealership or bank would be in serious trouble. So how can AES Success just be able to go into my loan documents and just change them??? I sent proof of my original loan last complaint. But I guess they can continue to operate and manipulate loan documents to match to whatever they see fit. I wish I would have never taken a loan out through XXXX. I had no idea that AES was going to be my loan servicer. I've attached my original loan document that I signed electronically. I've also attached the one they updated. The updated one was one updated a day later. They backdated this to the date after I signed my original loan document. This document was not in paforward 's website when I submitted my initial complaint number XXXX. Sometime after I made this complaint they changed my loan documents to match was I was disputing. When I submitted my first complaint my original loan document was in there matching my original loan document. They went in and changed it. Why is this company allowed to operate????
Company Response:
State: PA
Zip: 17543
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I entered a consumer credit transaction with FED LOAN SERV and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that FED LOAN SERV claim I owe. FED LOAN SERV has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/XXXX I emailed in a signed payment allocation letter after speaking to Fedloans about 0 % interest applied. I asked on phone too that payments beyond min due go to loan with lowest balance. I have email confirmation of this XX/XX/XXXX attached. Its been a year and payments not applied in this way. XX/XX/XXXX Im told its because I rejected the foreberance since no payments are required until XX/XX/XXXX. The rep hung up on me. Previously I was told not to pay extra while on PSLF program and I removed the pay ahead status. I was in qualifying payments plan working for nonprofit for a year only 4 payments were applied! I was also charged future interest after satisfying the capitalized interest due. Ive sent multiple allocation requests or asked many times by phone on how make extra payments towards principal. Ive even allocated on website. Its a consolidation. Last XXXX I was told payments would be applied or transferred to lower balance loan its NOT not happening. XX/XX/XXXX told the same. They have lost forms or letters to verify income job placement when I get fax confirmation. I transferred this from XXXX in XXXX and big mistake. Were looking to refinance or move servers when 0 % ends and have open disputes with the lender. Ive not received any emails since XXXX so I updated my email online. Attached are the two payment allocation letters and information on lender site about being able pay loans off faster. Attached are copies of bills from XX/XX/XXXX and XX/XX/XXXX. Attached is receipt of my compliant against lender regarding public service loan forgiveness repayment program.
Company Response:
State: MO
Zip: 654XX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: FEDLOAN Account Number : XXXX {$110000.00} I have had my rights violated in regards to the Validation of Debt and Identity theft where my information was provided to the governing bodies of XXXX XXXX XXXX XXXX XXXX. As a consumer by law this account must be deleted immediately. 15 U.S. Code 1692g - Validation of debts U.S. Code ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; You Violated The United States Code Law 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports ( a ) In general, Subject to subsection ( c ). any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible Purpose of Consumer Reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. I never gave you any written consent to report anything on my consumer report no consent is Identity Theft. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A