Date Received: 2021-06-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1 Identity Theft US DEPT ED Account Number : XXXX**** This is not mine. 2. Identity Theft FEDLOAN Account Number : XXXX**** This is not mine.
Company Response:
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: FedLoan Servicing sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact FedLoan Servicing, they transfer me from department to department or tell me to write a letter that they never respond to.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied for TEPSLF in XXXX of XXXX. Seven months later, the Pennsylvania Higher Education Assistance Agency denied my application based on false claims about my income, and refused to explain their evidence or reasoning. In response to my CFPB complaint XXXX, they made blatantly false claims to justify their decision. Today ( XX/XX/XXXX XXXX the Department of Education reversed PHEAA 's decision, acknowledged PHEAA 's claimed numbers were incorrect, and has taken my TEPSLF application up for final review.
Company Response:
State: CA
Zip: 90031
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After sending several credit dispute letters to the XXXX, XXXX and XXXX as well as to Fedloan who is the data furnisher in regards to the derogatory payment status on my account with claims of me making a late payment back in XX/XX/XXXX-XX/XX/XXXX. Ive sent in several request to have the information corrected to show that I never made a late payment as my account was in deferment status as well as my consumer report shows that a 90 day late payment for XXXX but I was current in XXXX which based on actual facts that numerically that is an error in the reporting of my payment history. Also there are gaps in between months in which I would like it to be filled with a payment status for the complete and accuracy reporting to my consumer report.
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Alleged Balance : {$43000.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address but a request for VALIDATION of the above named Title and Section of the Fair Debt Collection Practices Act. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Company Response:
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This is additional to complaint already filed on yesterday XX/XX/XXXX with you regarding Fedloans Service. Complaint ID # XXXX. I just need to make a correction & add additional information to statement. Please Do Not close out the complaint # XXXX with your agency! I will copy the statement that was uploaded on your website on yesterday XX/XX/XXXX. Heres what I need to correct within that statement. I stated that I spoke to Supervisor XXXX with the Public Service Loan Forgiveness Department which was the wrong name. I need to change the name to Supervisor XXXX. XXXX is the Supervisor I spoke to on XX/XX/XXXX that stated my PSLF 120 qualifying monthly payments application okay, nothing else needed, Studentaid.gov has my application and its pending for verification that my employer is a Public Service Agency. Per Supervisor XXXX with the PSLF Department, the process take 60 days from the date it was submitted ( which the application was confirmed received & nothing else required per Fedloans Customer Service by email on XX/XX/XXXX and on XX/XX/XXXX by phone Supervisor XXXX with the Public Service Loan Forgiveness department escalated my application to the processing department for them to send to Studentaid.gov. Per Supervisor XXXX application was pushed by the Processing Department to Studentaid.gov on XX/XX/XXXX. I spoke to Supervisor XXXX twice ( once in XXXX and again on XX/XX/XXXX ) that my application is okay and its just pending for Studentaid.gov to verify my employer is Public Service. Im going to copy and paste the original complaint filed on XX/XX/XXXX with you ( complaint ID # XXXX ). Within that statement you will see that I originally stated a Supervisor XXXX but it should be Supervisor XXXX and I also provided a date of XX/XX/XXXX is when I spoke to supervisor XXXX. I cant remember the first time I spoke to Supervisor XXXX when he confirmed that status of my PSLF application for approval with Studentaid.gov. I believe it was sometime the middle or ending of XX/XX/XXXX or the first week of XX/XX/XXXX. Also I would like to add the ID # for Supervisor XXXX ( shes the Supervisor I spoke to on XX/XX/XXXX ) that was mentioned in my complaint. Supervisor XXXX ID # is XXXX. XXXX A COPY OF COMPLAINT SENT TO YOU XX/XX/XXXX. On XX/XX/XXXX Fedloans Service customer service representative confirmed by email that my Public Service Loan Forgiveness application for 120 qualifying monthly payments was received. On XX/XX/XXXX I called Fedloans, the Public Service Loan Forgiveness dept ( PSLF ) spoke to Supervisor XXXX that confirmed my PSLF application was good to go & she escalated it to the processing department for them to send to to Studentaid.gov. Per online information on timeframe once received will take 60 days or less if my application & payments was verified often. On XX/XX/XXXX around XXXX spoke to Supervisor XXXX in the PSLF department which confirmed that my application was with Studentaid.gov to verify my employer is indeed a Public Service Agency . I called Fedloans again around the week of XX/XX/XXXX to speak to a Supervisor in the PSLF dept to check status since its now over a month. I spoke to a Supervisor XXXX in the PSLF department, per him yes my application is still pending for verification of employer and yes it take up to 60 days or sooner for a decision. He asked if I submitted the right application that was from the studentaid.gov website? I stated yes I was given the link by a Supervisor XXXX in the PSLF department on XX/XX/XXXX and XXXX told me what boxes to check, to print off the application for my employer to complete and to submit the form after XX/XX/XXXX ( by uploading the application ) since I am now at 119 monthly payments. Per XXXX there is now only one application to submit for the 120 qualifying monthly payments. I called Fedloans PSLF dept again a week later to check status for approval of the 120 credit qualifying payments, spoke to the same XXXX XXXX again. Per him my application is still pending for proof that my agency is a public service. XXXX not understanding why the verification is taking so long when Ive submitted my XXXX form annually since day XXXX of asking for XXXX, Ive been with the same agency for over 30 years and its been PLSF form has been approved each time with credits applied. There was an audit request submitted by Supervisor XXXX with the Public Service Loan Forgiveness department per my request on XX/XX/XXXX due to 3 months payments was removed in error. Per XXXX please allow up to 6 months for this process. My 3 months of credit was applied to my account so this should have speed up this process for Loan to be forgiven since payments & agency was verified.I filed a complaint & investigation on XX/XX/XXXX with Studentaid.gov ombudsman, spoke to Supervisor XXXX XXXX or XXXX XXXX which had escalated the issue to Fedloans Ombudsman and provided me with a case #. Per her it take 3-5 days from XX/XX/XXXX for the Fedloans ombudsman caseworker to handle & to provide status. I also filed a complaint with the Studentaid.gov Ombudsman due to so many issues with Fedloans and a since theres no status yet. I received an email from representative XXXX with Studentaid.gov Ombudsman that she has my case & she have 15 days but will try to have a resolution within 60 days. If they wait an additional 60 days to provide status, it will be a total of 150 days which is way over the time frame of a decision for PSLF 120 qualifying months approval ( 60 days or less timeframe ). On today 6/1/21 I called the Fedloans Ombudsman, spoke to representative XXXX by phone. I had requested to speak to a supervisor since XXXX stated that the caseworker hasnt started any action yet and its passed the 5 day due date. XXXX had me on hold & after waiting over 40 minutes, XXXX stated shes having an issue with transferring but the Agent will call me immediately after we disconnect the line. I did not receive any calls before the close of business today. On XX/XX/XXXX today, I called Studentaid.gov Ombudsman XXXX to see if theres someone else I can speak to thats over the Fedloans ombudsman Department, I spoke to Representative XXXX ph # XXXX XXXX which also stated that theres no supervisor but she transferred me back to Fedloans Servicer department. I spoke to a representative XXXX with Fedloans ServiceXXXX which transferred me to Supervisor XXXX, per her its still pending for proof of employer but could not provide me with the status from Fedloans ombudsman caseworker. XXXX only offered an apology. I feel like Im been given the run around and no one is handling my application for approval. Can you please look into is matter? Thanking you in advance! XXXX XXXX
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX dollars XXXX it was about five years ago and its on my credit still to this day!! I can not do anything because of this!! I tried to settle during COVID-19 crisis and at that time I couldnt reach anyone
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: AES is required to perform servicing activities at designated intervals, which may include placing calls, generating emails, and sending letters, to keep you informed of the accounts status. **RESPONSE** Aes is obliged to follow Federal Regulations from a Civil perspective even if a Promissory note requires illegal action from a 3rd party company. Aes is acting under duress of order instead of abiding by the law. Aes can not blame lenders for acting according to a Note that is potentially in violation of other laws. ** The frequency of these servicing activities is outlined under federal regulations and private loan guidelines. AES attempts to combine the amounts due on billing statements if the loans share a common due date and meet other criteria. However, you may still receive individual delinquency emails on a single day because you have several loans with a shared due date and different owners. **RESPONSE Aes is violating several harassment clauses which undermines and breaks Federal law protecting consumers from unwanted and overstepping communication ** Specifically, two delinquency emails were sent on XX/XX/2021 for the past-due installment from XX/XX/2021 one for the XXXX Loan held by the National Collegiate Student Loan Trust ( NCT ) and one for the XXXX XXXX owned by PHEAA XXXX In addition, the AES representatives sent emails in response to your email inquiries. AES does not consent to the recording of telephone calls by customers. AES records calls for quality assurance purposes. If you do not wish for the call to be recorded, then you may choose to disconnect the call and communicate through a different method. **RESPONSE I also do not consent to being recorded for any purpose whatsoever. If Aes records the calls at any time in the future that a call is placed, Aes is violating Pennsylvania Wiretapping laws. I have never recorded calls with Aes. I do have reason to believe that Aes is still recording the phone calls even after I make several statements making my asserted claim that I do not wish to be recorded. Aes is violating the Wiretapping privacy law. ** Loan forgiveness programs ( for federal loans ) are authorized under federal regulations and ( for private loans ) are authorized by the owner/holders. Contrary to your allegation, AES does not intentionally prolong the qualification requirements for loan forgiveness in order to make a profit. **RESPONSE Despite Aess continued notions of the aforementioned claim, Aes is outright not telling the truth. Aes has no idea who Ive spoken to and all of the evidence I have proving this lie wrong. Aes can be assured that they would be wise to tell the truth instead of making things up just to protect their own companys interests, especially if what they are doing is against the law. ** Response to CFPB Case # s XXXX and XXXX : You may be assured that your payment of {$380.00} was credited to the loans effective XX/XX/2021. This payment restored the loans to current statuses. Typically, it takes several days for payments to be processed, and holidays can extend the processing period. Therefore, you are encouraged to allow sufficient time for processing so that the payments can be posted by the due date. **RESPONSE Sufficient time does not equate to days worth of processing time, and Aes has no basis for creating a delay and then intentionally creating a barrier for consumers because they insistently delay the processing for reasons that are not the consumers problem. ** Regardless of how many processing days are required, however, payments are still credited effective the date of receipt. Based upon our review, interest has accrued accurately on the loans. We have sent Summaries of Financial Activity to you under separate cover to verify the application of payments to your account. You may be assured that no unfavorable information is scheduled to be submitted to the consumer reporting agencies about your loans for XX/XX/2021. If you believe that inaccurate information exists on your credit report, you may wish to dispute the information or submit a copy of your credit report to AES for further investigation. Finally, we regret that the level of service you received did not meet with your expectations, and we apologize on behalf of the agency for any inconvenience that you may have experienced in this matter. No instances of inappropriate activity were identified on your account, and no additional action is planned at this time. If you have any additional questions, please contact AES through the website at aesSuccess.org or via the mobile app ( AES Student Loans ). **RESPONSE Several instances of inappropriate activity were logged on my end including references to Employee IDs and may be shared with litigators. Aes failing to recognize or admit to their own faults makes it that much easier to start bringing class action lawsuits against the company. **
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Fedloan servicing & us dept of education Are both reporting false and/or erroneous information on my credit report showing loans Ive never signed for. I demand the wet ink signature to prove I am responsible for these alleged loans ... ... .. Looking at the payment history shows many errors and false information and straight up lies, Ive never paid this company but they say they have payments from dates When I was unaware that this even existed ... ... I have never paid this company so them even stating that there was a payment on any date is automatically a lie and grounds for deletion.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I took out my first private loan in XXXX with XXXX XXXX bank as the lender and AES as the servicer. I have a total of 6 loans with a remaining balance of {$88000.00}. Over time my loans were sold to NCT. Over the life of the loan I have paid a total of {$160000.00}. I have been given incorrect information by AES on multiple occasions. In XXXX I was told if I made full on time payments for 5 years I could release my co-signer. Once I completed those 5 years I was told I couldn't release my co-signer because in the past I used a reduced payment plan. Current date I have requested contact information for NCT so I could speak to them directly. I was told " XXXX XXXX XXXX '' was the contact for NCT. I called and gave them my SS # and they informed me they do not that my loans. I reach out to AES via certified mail twice to provide me with legal documentation with with NCTs contact information or paperwork stating they own my loans. As of today XX/XX/XXXX the only thing I have received is the original loan paperwork. Zero information for my lender-NCT. I am trying to find the lender for my set of loans to provide information of ownership as my lender with contact information.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A