Date Received: 2021-05-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: How can there be a 90 day late report in my credit report, there is not one of 30 and neither one of 60, I did not have previous arrears so it does not make sense that they report something like that, it affects me since it appears in such a way In my credit report, it is a violation and a gross error.
Company Response:
State: MN
Zip: 55404
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/XXXX. Judge XXXX XXXX XXXX of the United States Bankruptcy Court, District of Minnesota ; signed 5 orders disallowing claim for further payment on my private student loans, through a company called AES ( PHEAA ) American Education Services. These 5 claimes are for each lender that AES " claimed '' to have ownership of my loans. The 1 original company that had ownership was called XXXX. XXXX went bankrupt and closed in XXXX XXXX AES refused to acknowledge this Bankruptcy and closure of XXXX and continued to request payments and harrass me. They changed my privacy policy to list a subsidiary company of XXXX known as XXXX XXXX XXXX llc. as the new lender. This was after I informed them of the closure. They told me that they needed to be informed by XXXX of their closure in order to do anything about it. AES continued to charge me until I went into Bankruptcy XX/XX/XXXX. Before this AES attempted to tell me that XXXX XXXX was my new lender. XXXX XXXX denied being my lender. They claimed to be the lender for a trust portfolio of only 1 % of the total loan. However, in XXXX XXXX XXXX cut business ties to AES to to fraudulent activities on AES side. AES was and still claims that XXXX XXXX is a lender. They also changed my privacy policy AGAIN after this happened. AES also has XXXX XXXX listed on my credit report as a current lender. XXXX XXXX has no record of my accounts. Every company that AES has claimed as a lender has been given an order to disallow claim. I have filed multiple claims with the credit Bureaus, and each time they dismiss my claims by allowing AES to not show any documents or proof that XXXX, XXXX XXXX, XXXX, and now XXXX XXXX XXXX XXXX has my loans. XXXX and XXXX no longer exist, XXXX XXXX has no record of my accounts as of current. They opened the loans in XXXX and immediately sold to XXXX. XXXX XXXX XXXX XXXX was designated as soon as I filed for bankruptcy and AES was privy to me fitting to discharge my loans. XXXX, XXXX, XXXX wont take anymore disputes. There is always an error that happens that im informed of. AES has also said they refuse to comply with the court order. They said that the claims have to show extreme financial hardship. Last time I checked the only way to have student loans discharged in Bankruptcy is to prove just that very thing. That is how I have 5 orders. Because I infact am experiencing an extreme financial hardship. I have also filed a Complaint with Minnesota Attorney Generals office. With that complaint AES is under investigation for these issues. AES refuses to comply with court orders. AES continued to charge me and collect money from me during my past bankruptcy that started in XXXX to XXXX. I requested that money be refunded to me considering that they couldn't and still can not tell me where that money was going. It totaled approximately {$5200.00} I was told throughout 30 days that the 11 checks had been sent, when in fact they were sitting on the desk of management. He told me he never had any intentions of mailing, and infact tore them up. He also refused and they still refuse to correct my credit report. They have incorrect companies listed as lenders. AES is also aware that the accounts they have were opened fraudulently. They told me to file a police report. When I did, the XXXX California police department refused/could n't to file a report on an entity that no longer existed. This was in regards to XXXX. AES refused to acknowledge or help without a police report, even though they knew XXXX was closed. They were aware that XXXX was involved in a class action lawsuit for fraud and closed. They refuse to acknowledge anything.
Company Response:
State: MN
Zip: 55744
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I tried calling FedLoan ServicXXXX on XX/XX/XXXX but didn't get in touch with anyone. I called XXXX XX/XX/XXXX and spoke with XXXX XXXX but didn't get any luck. I was calling about a FEDLOAN account ( XXXX ) not being updated since XX/XX/XXXX, which is odd because I have not missed a payment at all.
Company Response:
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am currently on the IDR plan under PSLF. I have been tracking my payments counting down to my 120 payments. In XX/XX/XXXX when submitting my income recalculation, I also submitted bank statements from all payment made as the # of payments made are off by 4. So I requested my payments to be recalculated. As no progress had been made when I submitted for income recalculation in XX/XX/XXXX, I again submitted request for payments to be recounted as the XXXX payments listed below still are set as not qualifying. XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$410.00} XX/XX/XXXX for {$350.00} XX/XX/XXXX for {$680.00} These are listed as non qualifying but yet were auto withdrawn from my account. I have spoke with employee # s listed below asking for updates. XX/XX/XXXX : # XXXX XXXX which said its pending review. XX/XX/XXXX : # XXXX XXXX. Said still needing review XX/XX/XXXX : # XXXX XXXX. Said recalculation were approved. XX/XX/XXXX : # XXXX XXXX. Said submitting recalculation for dated and payments listed above. XX/XX/XXXX : # XXXX woman said it is still pending and there is no time frame when will be completed. By my calculations I will hit my 120 payment XX/XX/XXXX. I am wanting to make sure that my payment are counted before my deadline or I will be making extra payments.
Company Response:
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted my application for public service loan forgiveness on XX/XX/2021 through Fedloans. I received acknowledgement of my application on XX/XX/2021. I received a notice with an updated payment count on XX/XX/2021 confirming that Fedloans had updated my payment count on loan sequences XXXX and XXXX to 120 payments. I reached out to customer service and they said there was nothing to do but to wait and that once the loans passed internal review, they would be passed on to the Department of Education in batches, likely in 2 weeks time. Several weeks pass, I contact customer service again to see if there are any updates. They state that the process is " non-linear '' and that they can not comment what the steps are or which steps have been completed. It is unclear to me ( and hundreds of other borrowers ) currently in this limbo why there can not be more transparency about this process. It is also frustrating to call different customer service representatives and be given a different answer each time. The goal of this program was to encourage people to work for non-profits and governmental agencies for a period of 10 years but in effect, it is actually tying them in place for 10.5 years. I have turned down job offers during this period of time of limbo, decisions which materially impact my family. I respectfully ask for your assistance in increasing the transparency of this process for myself and others like me who feel trapped and helpless in this process.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have made payments of {$1000.00} per month since 2010, while working for qualified employers. I have made PREPAYMENTS on my loans, and my payments were {$100.00} more than what I was required to pay. Fedloan Servicing alleges that 139 payments made in 11 years were ineligible without providing me any specific information as to how my payments were ineligible. I have asked for the dates of my payments, the amount of payment they allege I was supposed to pay, what payment plan they allege I was supposed to be on, and how they credit or did not credit my account. My loans should have been forgiven last year under the PSLF program or the TEPSLF program. My payments were made ahead of time and above the amount required. I want a DETAILED response explaining why they have not credited my 139 payments ( only 120 are needed )
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: XX/XX/2021 Student Loan Consolidation Scam I received a letter in the mail that stated " Student Loan Consolidation & Payment Reduction Program Prepared For : ( me ) '' - New Laws Discounting Federal Student Loans It included information that seemed legitimate with options for student loan consolidation and forgiveness plans with directions regarding using my FSA account. I am familiar with this process since I attended college and completed FAFSA regularly. The website link ending in ed.gov also made me feel comfortable going through this process. I quickly logged in my existing account and then called the phone number XXXX to speak with an " expert ''. I figured they could help guide me through the website and complete the appropriate actions. I called the number and spoke to a rep. He somehow logged into my FSA account and changed my password. ( I later went in and changed it ). He asked me basic questions about my income, family size, etc. Everything seemed legitimate and went smooth until he placed me on a brief hold and returned saying that I was approved. I started to get a bad gut feeling from the following actions : - He stated that there would be a " fee '' that he could not specify. I was placed on a brief hold and when he returned he let me know that it would be {$790.00} or two payments of {$390.00}. There was a third option for 3 payments of {$290.00}. -He seemed very pushy and wanted me to schedule out a payment within a week. For someone who is trying to lower a student loan payment, this simply does not make sense -He then asked for my checking and routing number over the phone. When I expressed skepticism he started to recite my social security number and personal information back to me to somehow reassure me that it was not a scam. -I asked him if he was a part of FSA organization he said yes, and used the fact that he could access my information as proof of that -I questioned him further and asked him if the service that he was providing me could be completed directly through the website and he stated " well yes, but many people can not do it correctly, just like people who do their taxes by themselves '' -He somehow sent me 2 documents to sign from XXXX via email. One was for student loan forgiveness ( I make enough money that I wouldn't qualify anyway, so that didn't make sense to me ). He asked me to delete the first one. -As I started reading through the second document, I noticed the business name was Cornerstone XXXX XXXX. I did not sign any documents and politely ended the phone call. I did not appreciate being mislead and ended up completing an application free of charge in about 5 minutes after ending that phone call. This is a terrible scam and unsettling- especially if they are taking advantage of people who took out loans to get an education and are looking to save money.
Company Response:
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Fed Loan Servicing is telling me that 84 of my student loan payments that I made under the Income-based repayment plan, are ineligible to count toward my Public Service Loan Forgiveness program PSLF. PSLF requires 120 payments to be made while working in a public or non-profit agency, which I have. I've never worked in the private sector. I graduated and began my repayments in XX/XX/2012 and that means I've worked non-stop since that time. I submitted a request a few months ago, formally informing them that I don't agree with that decision. I was then informed that they could not do anything about that. I've also called to request a number for me to discuss this with an ombudsman or advocate, but that was not provided to me, saying they did not have such a number and apologized. In my Fed Loan Servicing online account I see that 9 of the 84 ineligible payments are " payment is pending manual review '' so I hope those become eligible payments counting toward my PSLF program. The only time I've stopped working at a non profit was when I had to go on XXXX leave to have and care for my children. I hope you can help me. Thank you.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have contacted FedLoan Servicing three times - in XX/XX/2021, XX/XX/2021, and again today, XX/XX/2021 - regarding a series of seven non-consecutive payments they are claiming are do not count as Eligible Payments for PSLF purposes. The two reasons listed for why these payments don't count are ( 1 ) " You Do Not Have A Bill Due For This Payment Period, '' and ( 2 ) " Your Payment Was Received Outside of Payment Period Window. '' I have been on auto payment since I started paying my student loans, so neither of these explanations make sense : ( 1 ) if I had no bill due, nothing should have been automatically withdrawn from my bank account, and ( 2 ) if I'm on auto payment, any payments should be made on time, without fail ; any failure to apply an auto payment on time would be the fault of the servicer, not me. Every time I call in, they tell me my payments are " under review. '' I don't understand why this request should take 5+ months to review and research.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A