Date Received: 2021-04-22
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: so Ive been struggling to correct inaccurate reporting on my credit report from fed loan servicing. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I misunderstood COVID deferrals and assumed my loan payments were being deferred but I guess my loans are not federal. Once I realized I caught the loan up. I asked if they could waive the late fees and they refused. Been paying the darn loan over 15 years and that's how they treat people?
Company Response:
State: IL
Zip: 60014
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Fed Loan Servicing limits customers to 8 online payments each month. This is something other servicers do not impose on their customers. For those who are fundraising to repay student loans, this limitation places borrowers, whose loans are serviced by Fed Loan, at a disadvantage.
Company Response:
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ON XX/XX/2019 FEDLOAN SERVICE # XXXX ADD A DEROGATORY MARK IN MY CREDIT REPORT AT XXXX UPON FURTHER RESEARCH THIS ACCOUNTWAS TRANSFERRED/HOLD AND I AM NOT LONGER RESPONSIBLE FOR THE ACCOUNT, DEBITORS CREDIT DID NOT VERIFY THIS COLLECTION. ALSO THERE'S WAS NOT WRITTEN FORM OF COMMUNICATION CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA FEDLOAN SERVICE HAS VIOLATE MY RIGHTS AS A CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT INMEDIATELY.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Dear Sir/Madam, I am writing to you regarding my student loan balance with American Educational Services ( AES ). During my undergraduate studies, I borrowed from the lender {$9600.00} to pay for tuition and other school related expenses. After graduating in XXXX of XXXX with my degree, I begun making monthly payments to AES starting with my very first payment of {$90.00} on XX/XX/XXXX. In the last 10 years I have made 126 payments in the total amount of {$11000.00}. Today, I only owe {$9200.00}. For the past 4 months I have stopped making these monthly payments as I sought to understand how, after a decade of payments, I have only been able to pay down my debt by less than {$400.00}. I was advised by AES that to receive a response I would need to mail them a letter describing my request. My first letter was sent in early XXXX of XXXX and I have not heard back from anyone to my original letter or those thereafter. In total I have sent 4 letters address to AES and the Office of Consumer Advisory, both located in XXXX, XXXX During this time however they did report my delinquency to the credit agencies which has negatively impacted my credit score. My recent statement notes that my score has declined from a range of XXXX down to XXXX, depending on credit reporting agency. While this is not material to this particular matter it does illustrate the point that I have been a responsible consumer who has always paid their debt as well as the significant impact this has on my future credit worthiness. I have already paid back more than I have borrowed and have not been able to understand from anyone how after 10 years of payments my debt has practically not moved at all. There seems no incentive to continue making these payments for another 10, 20, 30, or potentially 40 years just for them to remain at the same amount as borrowed. I borrowed {$9600.00} with the understanding that I would have to pay that amount back with interest. I firmly believe that after {$11000.00} and 10 years of this financial and mental burden my balance should have decreased by more than {$360.00}. I seek to understand how much of the {$11000.00} should be applied to principal and I wish to settle my debt with AES by paying off the difference between my original balance of {$9600.00} and that principal amount.
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This letter confirms I was eligible when I applied for student loan forgiveness in XX/XX/XXXX and wrongfully denied XXXX times XXXX dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The letter states I was eligible in XX/XX/XXXX. It also confirms I am XXXX payments over the XXXX required payments. Hence we are in XX/XX/XXXX and seven months ago I qualified for forgiveness. I could be done with this process had I been approved for forgiveness in XXXX XXXX when I first applied.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Over the course of XX/XX/XXXX through XXXX of XXXX, I began to make significant payments on my 12 student loans through Fedloan. I paid off all twelve using the " request final payoff '' option over this time period. I received PAID IN FULL notifications for each of them. I made my last pay off payment in XXXX of XXXX. My account reflected a balance of {$0.00} for all 12 of my loans, and again, I had received PAID IN FULL pdf documents for each of them. I monitored this for about a month afterwards through XXXX of XXXX. Earlier this month, XX/XX/XXXX, I logged into my Fedloan account to get my tax information for the previous year. I was shocked to see a sudden total balance of {$250.00} XXXX principal and interest ) for 8 of the 12 original loans. I called Fedloan the next morning and after much arguing, the representative realized she could see the PAID IN FULL statements sent out on behalf of Fedloan in my account/document history, and she deferred it to lead review number 463. I called back the next week to see if there were any updates and the review team had closed it without explanation. I had the representative put it into review a second time, number 467, this time with proof of my paid in full notifications and a copy of one of the paid in full PDFs. It seems FedLoad is now stalling on acknowledging that an error has been made on their behalf. After calling again today, XX/XX/XXXX, it seems they are just further stalling on coming to a conclusion on how this happened and clearing my balance. Again, I have proof that all of these loans are indeed PAID IN FULL and should not have any balance at all. FedLoan also acknowledges they have copies of these documents on their end but they are stalling to fix the problem and clear the balance. Attached is a copy of one of the 8 loans ' PAID IN FULL statement, along with a screenshot of the email notifications for my other loans.
Company Response:
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My student loans report as charged off with remarks stating that they were paid off. the status should reflect that they are paid off.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I sent my application for an update on my PSLF application which was sent in XX/XX/XXXX. I have contacted them 3 times since then and they keep saying they are still investigating whether or not my employer qualifies. My employer is the Fed Government. It was when I initially applied in XXXX and was approved. I have done my research and my employer, The Internal Revenue Service, absolutely qualifies per any of the recent rules. So this reason is not legitimate. I have filed a complaint with them and still have not gotten an acknowledgement of the issue or even of my complaint. I want to take legal action. I know that my servicer got in trouble recently for wrongly denying XXXX and had to reverse their actions. Now, it seems their strategy is to just keep customers waiting indefinitely which is the same the as denying. Thank you.
Company Response:
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A