Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called AES and submitted disputes with all Three bureaus. AES updated late payment reporting on my XXXX but has refused to update my XXXX or XXXX. I have been getting the run around without a response.
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed a Student loan on my credit report from Fed Loan Services this account is a result of Identification theft. Tried to dispute this and contact company they keep saying that its mines and it is not. It was opened on XX/XX/2017 the balance is XXXX.
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My federal loans are consolidated and serviced by Fed Loan Servicing. I qualify for the PSLF program and have submitted documentation for regular tracking of my qualified payments. When determining the number of payments that qualify, Fed Loan Servicing 's system had an incorrect " amount due '', showing XXXX cent more than was actually due for 11 of my payments. Therefore they stated that those 11 payments did not qualify. I reached out to Fed Loan Servicing on XX/XX/XXXX and spoke with an agent named XXXX. Her agent number is XXXX. The agent told me that she could see my loans and that the amount that had come over from the previous servicer was not that amount that was entered ; it was off by that XXXX cent and that my payments should have been counted. I always had my payments made automatically, on time, and for the full amount. At this time I requested that these payments be reviewed. I called back after a couple of months and was told that the review was not yet completed. I called again a month later and a month after that, still with no progress and no available updates at all. When I called in XXXX, I found out that they had not submitted a review of all 11 payments, only 6 of them. At that point I requested that they start a review of the other 5 payments as well. I contacted them again around XX/XX/XXXX, 8 months after the initial review. They stated there was no update and the review was still pending. It has now been 10 months and the review is still " pending ''. Even though XXXX told me from day 1 that she could see the error in the servicer 's records, and that all 11 payments should have counted, they still have not completed the review. In addition to this, around XX/XX/XXXX I submitted updated paperwork for another year of completed services towards PSLF. They still have not updated my totals to reflect these 12 months ( I submit new documentation annually now ), over 10 weeks later. I will finish my 120 payments in 21 months. But without a successful completion of these reviews, plus a timely response of my updated PSLF activity, it will not be possible to complete my 120 payments and have my loans forgiven. All I ask is that my reviews be completed and my accounts updated correctly and in a timely manner. This would have taken XXXX 5 minutes to do, if she had access to update the account to begin with ; yet 10 months later and still nothing. Thank you for your help!
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My daughter had her own student loans to cover her education. One semester she was a little short so I applied for a parent-plus loan to cover the small amount she needed. No where on any of the paperwork did it say my parent-plus loan would become the primary funding source for the remainder of her education. I amassed over {$30000.00} in loans without my knowledge. I complained and sent them copies of their own web site pages pointing out that it never told me I would be the primary funding source. I expected to be a small over-flow source for books, etc. It was unfair and deceitful.
Company Response:
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
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: Fedloan Services are reporting the duplicate loans as closed accounts and transferred and also as open and current on my credit report. The closed loans were apart of the Rehabilitation Program by Department of Education which were in good standing after they were consolidated and the completion of the program. I was promised that the past late payment would be removed and sold to another loan carrier. Fed loan picked back up the loans and are reporting the same loans as current and in good standing and the closed account as missed payment. All the loans have the same amount and loan account number. I have disputed this error with fed loans and was giving the run around to why the duplicate loans ( which are the closed account loans ) were not removed from my credit report after I finish the Department of Education Rehabilitation Program.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I began making payments towards Public Service Loan Forgiveness ( PSLF ) under a qualifying payment plan in XXXX. I have applied three times for student loan forgiveness with my current loan provider, Federal Loan Servicing. I initially applied for PSLF on XX/XX/XXXX, and was wrongfully denied on XX/XX/XXXX due to four payments I made in XXXX not being applied towards my forgiveness application ( XXXX XXXX ). My XX/XX/XXXX payment was also not taken into account for my application for a total of 5 payments. Federal Loan Servicing states this was due to my loans transferring from XXXX XXXX. However, at the time of being denied forgiveness, my online account read " We're working with your prior servicers to gather information to properly assess your payment history. '' This confirms I was denied forgiveness when payments were still being reviewed. To this date, there has been no follow-up from Federal Loan Servicing on my payment history with XXXX XXXX. I then applied for Temporary Expanded Public Loan Forgiveness ( TEPSLF ) on XX/XX/XXXX, which is a program you can apply for if your PSLF was denied. I also waited four months until the Federal Loan Servicing online system updated to reflect that I had made the 120 payments. In the meantime, I submitted three requests with Federal Loan Servicing for a review of payments ( dates of requests XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) ; two of these requests were denied and the XXXX request is currently pending and can take 90-180 days to complete a review. To this date, Federal Loan Servicing has not communicated with me on the results from any of these reviews and I have had no follow-up on the status of my TEPSLF application. To note, I also have not received any confirmation that I even applied for TEPSLF. I have since re-applied for PSLF on XX/XX/XXXX and XX/XX/XXXX. My account recently updated incorrectly. It went from 116 eligible payments to 118 eligible payments. It is missing employment verification for four months ( XXXX XXXX XXXX ). On XX/XX/XXXX, I received a letter from Federal Loan Servicing stating my PSLF application was denied. Once again, I am being wrongfully denied with four unaccounted months not being factored into the decision. I am perplexed as to at how I was approved for XXXX and XX/XX/XXXX, and not XX/XX/XXXX - XX/XX/XXXX, when I have been with the same employer since XXXX. I have spoken with XXXX XXXX XXXX XXXX XXXX ( XXXX ) Office of Consumer Advocacy. in an attempt to resolve this issue. I was informed the reason for all of these issues is due to changes in federal regulations. I want to make note that when I initially applied for forgiveness in XXXX that I was denied in two weeks. However, when it comes to my loans being forgiven the timeframe continues to be pushed into the future furthermore. I reach out to Federal Loan Servicing every other week to follow-up on the status. I have spoken with management on a few occasions with no resolve. At one point, I was told my account would not update until the CARES Act is finalized. This concerns me, as the CARES Act continues to be pushed into the future with a current end date of XX/XX/XXXX, and possible continuation. I continue to remain employed in public service until my loans are forgiven. However, this is preventing me from pursuing XXXX XXXX full time in the XXXX XXXX field. Presently there is a high demand for XXXX XXXX XXXX due to the pandemic.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX I began working at a XXXX XXXX agency. I promptly contacted XXXX XXXX ( my loan servicer for my FFEL loans ) to make sure that my repayment plan would allow me to participate in the PSLF program. I was assured over the phone that all I needed to do was continue making payments as I had been, and that there was nothing else I needed to do at that time. I discovered in XXXX that my loan servicer did not participate in the PSLF program, so I lost 3 years worth of time and payments towards loan forgiveness. I have already tried this once, to no avail. I am trying again because I just read another report about how many borrowers have been similarly misled by their loan servicer, as I was. I can not understand why there is not more that can be done to make this right. Sending my complaint to the servicer at fault seems ludicrous since all they do is say the obvious, which is that my loans were not eligible for PSLF based on the fact that they were held by XXXX XXXX. I already know that. The issue is that I was told they would be eligible by an employee of that servicer. Please let me know there is another course of action. It is just wrong that they gave me wrong information, but there is no consequence to them, however I am stuck paying for an extra 3 years. I believe everyone who was making payments in good faith should get credit for those months towards the 120 needed for PSLF, even if they had the wrong servicer. It is obvious that many, including me, were deliberately given wrong information so the servicer would retain more loans in its portfolio. The CFPB was created to help people like us get fair treatment from these kinds of predatory practices. Please, please, please do that!
Company Response:
State: VT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have submitted a dispute to Fed Loan Servicing on payments that are being considered ineligible under the Public Service Loan Forgiveness program. The dispute was submitted on XX/XX/2021 and I have not received any response except for an automatic response confirming that it was received. My dispute is attached.
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I applied for temporary expanded public service loan forgiveness as I am a XX/XX/XXXX in the VA XXXX XXXX XXXX government employee ). I uploaded my employment forms on the fedloan servicing site. I contacted fedloan and spoke to different customer service agents regarding my paid ahead status. All of the payments I have been making through covid and prior are not counting towards my loan forgiveness. My account has been in a paid ahead for quite sometime. As a consumer making additional payments and doing the correct thing by paying them although the balance has been {$0.00} for quite a while, this is not right. The agents told me there is nothing I can do as far as those extra payments. I was told to change my payment plan to an income driven and reapply after being in that particular plan for 10 years ... what! My loans will be paid in full before then so why would I change to a higher monthly payment with an income driven repayment and for a longer span of time and still not be able to apply for this? Something needs to be addressed with this issue. I have uploaded statements that show my paid ahead status as well as the documentation about changing my repayment plan.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I contacted fedloans multiple times over the past four years to correct my qualifying payment count. I have spoken with multiple agents who have attached notes to my account but nothing has been corrected. There are a total of 31 payments that are not being counted as they are saying that the payment was made outside of the scheduled date however my payment has always been taken via automatic draft on the XXXX of each month. Also for the payment on XX/XX/2015 my payment was not accepted as qualifying payment although my job with access care began XX/XX/2015.
Company Response:
State: LA
Zip: 70433
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A