Date Received: 2021-05-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a paid member of XXXX, XXXX, and XXXX and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 1. XXXX XXXX Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity. 2. XXXX XXXX - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 3. XXXX Fed Loan Servicing - Dates do not match XXXX, balance incorrect 4. XXXX Fed Loan Servicing - Dates Do not match XXXX, balance incorrect 5. XXXX Fed Loan Servicing - Dates do not match XXXX, balance incorrect 6. XXXX XXXX XXXX XXXX - does match XXXX XXXX, unauthorized, unknown. 7. XXXX XXXX - Insufficient information, does match XXXX XXXX XXXX XXXX, unauthorized, unknown 8.XXXX XXXX XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} XXXX for illegal activity. Hard Inquiries XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95501
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2021 via Priority Express mail number XXXX XXXX XXXX XXXX XXXX XXXX Fedloan Servicing received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Fedloan Servicing was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Fedloan Servicing did not provide me direct verification, proof that sufficiently satisfies their claims, and no response to any of my correspondences. Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Fedloan Servicing by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Fedloan Servicing has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Fedloan Servicing must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
Company Response:
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2021 via Priority Express mail number XXXX XXXX XXXX XXXX XXXX XXXX American Education Services received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, American Education Services was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. American Education Services did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, American Education Services sent me copies of deceptive forms pursuant 15 USC 1692j ( a ), sent me emails and statements that I did not directly consent to, and attempted to collect an alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, American Education Services continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to American Education Services by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, American Education Services has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. American Education Services must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
Company Response:
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: School went under bankrupt and had all the student leave without completing the program. The school allow us to discharge my loan due to closing of school doors. This took place at the end of XXXX and started XX/XX/XXXX.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a loan with FEDLOAN SERVICING, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FEDLOAN SERVICING and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, and FEDLOAN SERVICING with no successful resolution. XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Company Response:
State: CO
Zip: 80239
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have been getting different information from FedLoan Servicing regarding the public service loan forgiveness ( PSLF ) program. There have been problems throughout the entire term of the loans with respect to how payments have been calculated, but I have been employed with a qualifying employer for well over 120 payments at this point. I called to inquire about how to submit for loan forgiveness. I was told that I would need to submit the PSLF Certification and Application form once to certify my continued employment and calculate qualifying payments, and then submit it again for the process of loan forgiveness. I submitted the application form ( as I have done annually for years ) on XX/XX/21 and had no response with regard to qualifying employment status or payment counts. When I called to follow up on this on XX/XX/21, I was told that because it was submitted via means other than the PSLF Help Tool that processing would likely be delayed, and could be given no time frame on when this would be reviewed. There was never any indication that one modality of submission would result in any difference in processing time. I still had no update through XX/XX/21 and contacted FedLoan Servicing again. At that time they suggested that it would be faster to resubmit the application through the PSLF Help Tool, which I have since done on XX/XX/21. I was also informed at that time that the form would only need to be submitted once, and that I would be automatically submitted for loan forgiveness if I had 120 qualifying payments on the loans. The inconsistency of information provided leads to confusion and increase potential for errors/further delays. I am also concerned that this could lead to a denial in loan forgiveness if submitted incorrectly. If payments resume in XXXX, this could translate to thousands of dollars in unnecessary costs to me due to delays and misinformation, which is unacceptable.
Company Response:
State: OH
Zip: 43082
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered a consumer credit transaction with FED LOAN 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 constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) 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 claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. FED LOAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Company Response:
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Since XX/XX/XXXX, I reached out to the My Fed Loan program to find out what the latest information is on my Public Service Loan Forgiveness Program number of payments made to date. I reached out to My Fed Loan on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX. I uploaded new documents as they requested to show the Government Employer information. From XX/XX/XXXX to XX/XX/XXXX, I worked for the same employer, the City and County of XXXX XXXX, with the same FED EIN. My Fed Loan has processed 60 of the payments with the last update in XX/XX/XXXX, but I am seeking an update for the years XXXX and XXXX. As My Fed Loan requested, I submitted my W-2 's for XXXX and XXXX to show that I worked for the City and County of XXXX XXXX. I checked off the box that for this most recent period of XXXX and XXXX, I was unable to have the employer sign for the period XX/XX/XXXX to XX/XX/XXXX, but I was told that W-2s for XXXX and XXXX would be acceptable proof. Given how difficult it is to complete the Public Service Loan Forgiveness Program, I would like assistance from the CFPB please for streamlining this process and providing me with a current update on my status in the program. Thank you.
Company Response:
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/XXXXI applied for PSLF to Fedloan Servicing after making 122 payments under a qualifying employer. After calling Fedloan a few days later to check on any progress, I was told that I needed to use a PSLF help tool application to " speed up the process '' from the FSA/Dept of Ed website. On XX/XX/XXXX, I submitted the help tool application to Fedloan Servicing. On XX/XX/XXXX I received notification from Fedloan servicing that I had qualified 120 payments under a qualified employer for Public Service Loan Forgiveness, and had received the " trophies '' and congratulations for making 120 payments. According to a Fedloan servicing representative, my loans are supposed to be at the final stage of approval with FSA/DOE. On XX/XX/XXXX, I contacted a Representative named XXXX at FSA/DOE through their online chat, who then transferred me to StudentAide.gov to check on the progress of my PSLF. In this chat the Representative " L '' ( they did not identify themself with a name or ID #, just " L '' ) told me that the " the approval process is done thru Fed Loans '', and " Fed Loans works internally with the Dept of Education, we can't see this process ''. After this information, I contacted a Fedloan Chat Representative ( XXXX XXXX who stated that both Fedloan and FSA/DOE " both complete one and set no time frame due to the complexity ''. My complaint is : I am not being given clear information from either my servicer or the FSA/Dept. of Ed.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have an AES loan. It was on hold w the pandemic. I have reached out ove rthe last year to see when I would need to start repaying and I can not get an answer. I am abroad, their website is blocked here. When I email the company, they email me back through the website and I can't access their response. I have tried to call but the wait times are so long I literally have run out of {$50.00} credit on just wait times about four times. I filed with the XXXX but they couldnt help me. I need the company to actually talk to me and let me know when I need to make payments and how to adjust them based on my income. This is crazy how difficult they make this.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A