Date Received: 2021-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a fraudulent account on my credit report that I have never heard of.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Fedloan Servicing have not reported my monthly payments on to the Credit Bureau for the past several months. The government issued a forbearance on student loans, including public service forgiveness loans, which I have, due to the pandemic. I however requested that I be taken out of forbearance so that I can make monthly payments on my loans. I have been making regular monthly payments since XX/XX/2020 to present. In fact, my account is set to automatic payments. While the Credit Bureau reports that my student loan with FedLoans are out of forbearance, FedLoan has failed to report my monthly payments. My monthly payments reflect on the credit report as {$0.00}, when I actually have been making monthly payments of {$190.00} per month since XX/XX/2020. I have contacted FedLoans several times about this. They admit that they should be reporting the monthly payment amounts and it would reflect in the following month. Each time I contact them they give the same response. This has been going on for the past four months now. I currently need my monthly payments to reflect on my credit report, and I believe it is against the law that they have failed to accurately report it. To date, my report does not reflect that I am currently making payments of {$190.00} per month. I believe this is wrong and unlawful.
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2021-05-04
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: Problem with customer service
Consumer Complaint: I have made several payments that have been deemed ineligible towards PSLF by fedloan servicing. Fedloan servicing has reported that there is " No Bill Being Due. '' I completed a privacy act request and got all my loan records from Department of education from XXXX-current. I uploaded these documents which showed that I made the payments and they were processed by the previous loan servicer. Fedloan servicing said that they reviewed the documents on XX/XX/2021 and closed the case without adjusting the count. Additionally some of the dates that say " no bill being due '' were times when my loan was being transferred between servicers or my annual IBR payment was being recalculated. Is the phrase " no bill being due '' a catch all for payments that the servicer can't figure out because of poor record keeping? Additionally, just because a bill was not generated does not mean that those payments don't count. Currently during covid-19, bills are not being generated and the monthly payments are counting as long as we are employed in XXXX XXXX.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I applied for Public Loan Forgiveness after my 120th payment to Fed Loan Servicing on XX/XX/21. I did not hear that they received my application. I called in XXXX and was advised they received it and it would probably take 3 months to process. I called in XXXX and was told the same. I called in XXXX and was again told it would take up to 6 months. I received a letter from Fed Loan Servicing on XX/XX/XXXX acknowledging qualification for 121 payments and it also shows that I have made all necessary employer certifications. I again called Fed Load Servicing and they said it could take an additional 6 months to put the application through the vetting process with FAFSA. That would move approval up to XXXX. I have appealed to my Senator, filed a complaint with FAFSA, and FSA Ombudsman Group. I am XXXX XXXX XXXX working in a XXXX XXXX in Alabama in XXXX XXXX. This year was stressful, but I always thought I would retire in XXXX of this year which helped me get through. Now I am not sure when I can apply for retirement or XXXX XXXX XXXX ( must apply 1 month in advance of my retirement date ). I feel like all verifications have been made and am appealing for an investigation and request for expedition of this process. I have met my obligations in this contract and I need someone to hold the Department of Education in Accountability for the this back log.
Company Response:
State: AL
Zip: 364XX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have reviewed a copy of my credit report and I show company FEDLOAN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Company Response:
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
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 21 federal student loans that are now consolidated. All 21 loans are listed twice on my credit reports with all 3 agencies. First time with the original servicer ( AES, PHEAA, or FedLoan Servicing ), second time with US DOE, and now as the consolidated loan with XXXX. This appears to lenders that I have more than 42 loans and that 42 were in default. My credit scores range from XXXX due to this inaccurate information. The loans have always been federal student loans and should not be listed multiple times on my credit reports regardless of whether I am in forbearance, default, paid in full, or paying as per contract status. Once a loan transfers from one servicer to the next, the previous servicer must contact the credit bureaus to remove erroneous data. I have attempted to dispute with all 3 credit reporting bureaus and with the student loan ombudsmen. nothing is being corrected. This has to stop immediately!
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I applied for public service loan forgiveness on XX/XX/2020. I have completed all requirements. Such as 10 years in public service as well as yearly employment certifications. When contacting FedLoan they stated it can take up to 3 months for forgiveness. It has now been almost 5 months and nothing. They state the application has been forwarded to Federal Student Aid. When contacted they provide little information regarding the status of my application.
Company Response:
State: NV
Zip: 89523
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was enrolled in a XXXX XXXX program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of enrollment as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact enrolled XXXX from XX/XX/XXXX until XX/XX/XXXX. Before XXXX school, I had never missed a payment.
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loans are held by Fed Loan Servicing. I was approved for Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) in XX/XX/XXXX and submitted a case on XX/XX/XXXX to have my payment history reviewed as I have made more than enough payments toward the forgiveness approval. My account/payment history has been under review since XX/XX/XXXX and I have not received any contact regarding the status of my payments or case. I want to know what is going on with my account and I want my loans forgiven. Today 's date is XX/XX/XXXX.
Company Response:
State: FL
Zip: 32583
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In XX/XX/XXXX, I applied for a mortgage and used my XX/XX/XXXX IBR statement from FedLoan Servicing ( FLS ). As an XXXX XXXX I find it advantageous to purchase a home rather than rent XXXX rental - {$1400.00} with rental companies continuously tacking on extra fees ; mortgage - $ 975 monthly payment ). Unfortunately, I did not find a replacement house to purchase until XX/XX/XXXX. I had used my IBR statement from FLS dated XX/XX/XXXX ( see attached ) that documented my monthly payments as {$0.00} and was preapproved for a mortgage ; however, the loan goes into underwriter and was delayed because two of the loans on the IBR statement showed a N/A in the monthly payment terms column, so the underwriter could not go forward until I get an updated letter XXXX note I have been on IBR since XXXX and have a XXXX credit score ). I contacted FLS immediately on XX/XX/XXXX and encountered a phone tech who was obviously hung over and rude who hung up on me. I called back and received a pleasant phone tech who I relayed that I needed an updated IBR letter because the one I had is dated XX/XX/XXXX and the two loans with N/A should be showing {$0.00} as the others. In the meantime the mortgage loan consultant is emailing me that if I do not show the two loans as {$0.00} even though the XXXX XXXX clearly states I am on IBR that he would have to use the 1 % formula of the balance of the two loans that are in forbearance due to COVID-19 that will increase the XXXX. I will most definitely lose the house due to this action. I kept calling FLS for a status and even did a chat with customer service and was assured that the request was being processed. On Wednesday, XX/XX/XXXX, I received an email from FLS that stated Summary and could not believe what I had just received ( see attached ). All needed to be done was to update the two loans in the XX/XX/XXXX letter. This summary did not resemble the XX/XX/XXXX letter because everything was wiped out -- every single loan on the document and the terms showed N/A with a lot of gobbledygook below about the loan terms. I was horrified and called FLS again and they advised me that the Summary would be corrected. I stated to the tech that the Mortgage Letter in the FLS Dashboard document all the loans as {$0.00}, but does not mention anything about IBR, etc., so the mortgage companies render it useless. The IBR certification letter is the only acceptable documentation. I was told that I did not need to complete another recertification due to COVID-19 because the deadline had been extended, but I submitted a recertification on XX/XX/XXXX thinking this was the problem. However, I received an email this XXXX XX/XX/XXXX that the request was incomplete because I did not submit income documentation -- not true. I immediately scanned both the application and supporting documents together and resubmitted. A consumer/student should not have to go through this trauma from FLS ' incompetence or vindictiveness -- not sure which one. The rules are so conflicting and goes against the struggling student.
Company Response:
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A