Date Received: 2021-05-10
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: My credit score dropped and when I figured out what it was it was because of the loans but Im not in default
Company Response:
State: OH
Zip: 44052
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
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: I have an issues with XXXX TXXXX XXXX XXXX and FedLoanserving. 1 {$200.00} payment on XXXXand it was reported as a {$50.00} payment to credit bureaus. Balance at the time was {$2800.00} balance now shows {$2700.00}. 2 {$91.00} was made on XX/XX/2021 and they have yet to report to any credit bureaus. 3. I submitted a dispute on XX/XX/2021. The dispute is now closed. Fedloan is still reporting incorrect information, balance {$2700.00}. The balance is now {$2500.00} 4XXXX XXXX stated to me in a letter from consumer complaints it's the credit bureaus decreasing FICO because they have no control over that all they did was report payments and remarks. XXXX XXXX & XXXX are the reasons why my FICO continued to fall. My FICO went down over 145 over a 4 month period, with NO 30 day late fees and under 30 % debt especially after I paid off the account and closed the account. XXXX XXXX would add remarks and remove remarks and my FICO fell each time, from
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was denied loan forgiveness under the TEPSLF stating I had not made enough qualifying payments from a recent letter dated XX/XX/XXXX. I had XXXX on XX/XX/XXXX, and still have XXXX as of XX/XX/XXXX. I have submitted all my Public Service Loan Forgiveness Certifications forms from my employer, and yet they said they have not had time to update my payments, which disqualifies me for student loan forgiveness. They can not give me a time line as when this will be updated and laughed at my request. I have been through this before with them, and NOTHING HAPPPENS. I am so upset at the lack of cooperation, honesty, horrible communication, and lack of respect. My loans are to be forgiven this XX/XX/XXXX. I have never missed a payment and have followed all the rules regarding PSLF, it makes me sick at how this company can be so dishonest.
Company Response:
State: MN
Zip: 55432
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hello, I am writing in regards to the XXXX XXXX XXXX XXXX XXXX XXXX option through FedLoan Servicing. I have reached out to them and the Ombudsman group many, many times regarding my application status. I submitted my FOIA request for all my payment history, and I uploaded all my bank statements ( with the loan payments highlighted ) in XX/XX/XXXX. I have made XXXX payments on loans 1 and 2 and 122 payments on loans 3 and 4 as of the end of XXXX. I applied for XXXX in XX/XX/XXXX for loans 1 and 2, and again in XX/XX/XXXX for loans 3 and 4. FedLoan continues to provide me with conflicting information every time I call. No one will tell me the status of my application. I would like to know why my application has not been process and why my loans have not been forgiven. Borrowers who applied after me have already had their loans forgiven, which can be verified in the XXXX group that is mentioned below. Here is the text of the last email I sent to FedLoan and XXXX on XX/XX/XXXX : Hi, My name is XXXX XXXX, and I am writing ( again ) in regards to my communication with FedLoan and my XXXX applications. I have four loans total. Loans 1 and 2 were eligible for forgiveness in XX/XX/XXXX when they reached 120 payments. I submitted an updated XXXX/app that month, but nothing progressed with FedLoan. I experienced the same thing with Loans 3 and 4 in XX/XX/XXXX. I am still waiting to hear anything more than my account is " under review. '' I submitted all my bank statements and FOIA request results for my payment history in summer XXXX because FedLoan didn't have record of many of my payments from previous lenders. FedLoan did nothing with that info, even though I asked them to update all my payments that were under a manual review. At that point, I had an Ombudsman rep working on my case with FedLoan. After she was involved, my payments in FedLoan were updated and everything seemed correct. With that in mind, and with all the info being updated and corrected, it seems like my forgiveness process should be more efficient and timely, but it's not. FedLoan has all the necessary payment history and proof in my bank statements and FOIA results, but it doesn't seem to speed up the process at all. I belong to this group : https : XXXX? ref=share Members who receive their forgiveness often post photos of when they received letters or info from FedLoan, and they often share their timelines in their application process, and the proof is in the photos. There have been many people who submitted their XXXX applications after me and have already had their loans forgiven with a zero balance in their FedLoan account. I am extremely frustrated that my situation is not progressing like theirs. When I call FedLoan every week to get an update, I am told different things by each rep. Nothing is consistent. Then, what the reps type in as notes doesn't usually match what they actually told me over the phone. This could be verified by listening to the recorded calls. I feel like I am constantly being given inaccurate information. Reps also say they will look into my account and call me back, but they don't follow through. Today when I called, the escalated rep basically told me there is nothing FedLoan can do and that I just need to wait because there are people in front of me in the process. I did not receive that well after I saw more people in the XXXX group show photos of their account and FedLoan letters when their loans were already forgiven before mine even though they submitted their app after I did. I don't understand why what is happening with my loans and my accounts is not being shared with me. Why can't FedLoan explain what my status is or where I am in the process? Why can't they be open and honest about things? It's now been 4 months since I submitted my app for loans 1 and 2. It's been 1 month for loans 3 and 4. I don't want to find out months from now that I missed something on the app or that there was an issue with anything. I want to know now if everything is as it should be, so I don't end up with another delay down the road. I want to be kept in the loop along the way so I don't end up more frustrated than I already am. I would appreciate any factual info I can get regarding my loans and my status in the XXXX process. I am extremely unhappy with the service I've received at FedLoan. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Company Response:
State: WI
Zip: 54915
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello, I contacted fedloan servicing about reconsolidating my student loans to include newly acquired student loan debt in 2019. At that time, I was told that the number of payments that I had already contributed towards my public service student loan forgiveness program would continue to count towards the XXXX necessary payments in order to qualify for forgiveness, even if I reconsolidated and added more loans. However, I was told about two weeks ago that because I reconsolidated, the loan payments I made prior to 2019 would not longer count because of the reconsolidation. The only reason why I reconsolidated was because of that erroneous information. Now, they are telling me I'm back at square XXXX with my payments towards the Public Service Student Loan forgiveness because of that misinformation. Can anything be done so that I can have the payments I have already made and recertified count towards my XXXX payments at this point, considering that I was given wrong information. I am prepared to pursue legal action, however, my lawyer says that your organization is my first step.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: AES continues to add interest to and capitalize on my student loans so that my original loa. Of XXXX Principal is now over {$11000.00}. How is this legal?!
Company Response:
State: MI
Zip: 49503
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am graduating from the master 's program in XX/XX/2021 and moving out of state. In conjunction, I am looking to purchase a home. In order for me to apply for a home loan, I have to provide a minimum payment amount for them to run XXXX. I contacted XXXX multiple times to figure out the best way to go about figuring out the minimum payment amount to provide my loan officer. I tried a total of three : XXXX, XXXX, and XXXX of 2021. Each time I was provided with a different answer. Answer given in XXXX, they stated that I would not be able to know approximately how much my payments would be and then I needed to wait until XX/XX/2021 for your company to figure it out. XXXX rep stated they would need to wait until my school filed paperwork stating I graduated in order to figure out how I would be required to repay. Then today, XX/XX/2021, XXXX XXXX number XXXX referred me to another outside website to figure it out. Your reps are all seemed undertrained and have no idea what they are doing. They also do not answer questions. If you don't know, then state that you don't know. Perhaps as a collection agency charged with collecting student loan balances from millions of borrowers, shouldn't your employees know the answers to these questions? I am pretty sure, I am not the only one you had questions like this nor requests of your company.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My employer offered me tuition reimbursement and sent a {$5000.00} check to AES. This is after confirming with AES that this is allowed and we just need to write the account number. They have had the check for almost a month and still havent applied the payment. Customer service says theres no way to contact that department and each time I call I get a different answer. They keep asking me to take a picture of the check, and I am trying to explain THEY HAVE IT!
Company Response:
State: CA
Zip: 95403
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After viewing my credit report I found late payments that I would like to remove from my credit report. I have made notification that late payment pertaining to this account is inaccurate and violates 15 USC 1681s-2 ( a ) ( 1 ) ( 8 ). This violates my rights as a consumer. Please remove the late payments.
Company Response:
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A