Date Received: 2021-02-08
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I contacted AES about the cares act temporary forbearance of payments. My loan is a federal loan that was apparently sold to a private servicer. I was told they are exempt from having to comply with the CARES act. I attended XXXX University and have huge student debt. Because of it. I dont understand how a loan private servicer who is handling a federal loan can refuse to comply with CARES
Company Response:
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Dear Consumer Financial Protection : Fedloan refuses to accept, the US Dept of Veterans Affairs as a 'qualifying employer ' for purpose of Public Service Loan Forgiveness Program . For the past 12 years, Fedloan has contracted with the US government to manage my federal Direct Loan/student loans that I accumulated to become a XXXX XXXX XXXX ; and for the past 10 years, I have an agreement with Fedloan, while working in Public Service, my monthly student loan payments will go toward Public Service Loan Forgiveness after I have made 120 qualifying monthly payments ( I have made about 90 or so ) under the qualifying repayment ( IBR ) plan, while I am working XXXX for a qualifying employer. Prior to, and since XXXX until current with no break of service I have worked for the XXXX XXXX as a full-time XXXX XXXX XXXX XXXX, as a XXXX XXXX, serving XXXX XXXX soldiers, dependents and Veterans with the US Dept of Defense/US Army ( DoD ), and the US Dept of Veterans Affairs, XXXX XXXX XXXX XXXX XXXX ( XXXX ). Since XX/XX/XXXX, Fedloan has refused to certify the 'VHA ' as a qualifying employer, having left my monthly payments made toward Public Service Loan forgiveness in limbo. I have received letters from Fedloan, unsigned, unnamed, no contact information other than Call Center. Calls to anonymous Fedloan Call Center maze have been going no where, all of the agents declining to refer my calls to a Supervisor or Manager. I will be grateful if you assist in facilitating the Fedloan 's understanding, that mental health professionals and practitioners working for the XXXX XXXX XXXX the mentally ill, is a Public Service - it pays less than working in private practice, and I work in the desert of XXXX XXXX where there is an enormous shortage of mental health providers and low quality of life ; Fedloan 's refusal to act in good faith and capriciously refusing to accept my current employer as a bona fide 'qualifying employer ' is a Public Disservice. Thank you for your time, sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have student loans that qualify for PSLF. My initial servicer was XXXX but they are now managed by FedLoans. Initially XXXX and, since the transfer, FedLoans have always presented me with a minimum payment due that was one sum to cover the minimum payment for all my loans. Every time I made a payment it was at least for that amount. Despite this, when I review my PSLF status I see that many of my loans have different numbers of qualifying payments. This should not be the case because I never made payments to some loans but not others. Some of my on time payments were also considered not on time after they were transferred de XXXX to FedLoans. I made a payment inquiry to XXXX and they initially refused to give it to me saying they sent it to FedLoans until I stated that they were servicing my loans making me their customer not FedLoans. They did give me some payment information but it does not show the actual dates for many of the payments causing concern that XXXX did not actually track them accurately and thus FedLoans has an inaccurate count. XXXX should provide a record with exact dates payments were made. They should be held accountable if the minimum payment I made wasnt distributed to the individual loans appropriately.
Company Response:
State: GA
Zip: 30904
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I had been waiting for review of several of my payments that were finally marked " eligible '' after over a year of waiting for them to review them. Once they did review and mark the payments " eligible, '' I have XXXX XXXX and now more ) payments out of thXXXX XXXX needed for forgiveness as of XXXX of 2020. I submitted my application for public service loan forgiveness immediately after receiving this information from Fed Loan. I have heard nothing from them, nor have I received any documents. I called and asked the status of my application. The agent stated that my application had been approved for forgiveness and now it will take 4-6 months to have them officially discharge the debt. The agent could not give me much information aside from saying it would be 6 months for Federal Student Aid to " officially process the forgiven loan. '' This is absurd as I have worked well over 10 years in public service, paying my student debt and continue to have to wait for this company to do their job and obligations under my loan. And now that I am eligible and even APPROVED for forgiveness, it will take another 6 months!?!?!? Furthermore, there is NO ONE I can contact or speak to about my loan forgiveness at the Federal Student Aid facility, so I am not able to actually check the status of my loan forgiveness.
Company Response:
State: CA
Zip: 96080
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
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 student loans have been in forbearance prior to the pandemic, however Fed Loan Servicing has been reporting that I have been 120 days late from the period of XX/XX/XXXX thru XX/XX/XXXX. I also went through a similar experience while I was unemployed with them also reporting that I was 120 days late in XX/XX/XXXX.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
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 SERVICING ***** Opened XX/XX/XXXX Balance {$3800.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$3300.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$7500.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$2200.00} I'm just concerned with the certainty and precision from your current inspection together with the missed payments meant for this particular account and also how it is reporting on my credit report. Around 45 days ago I demanded an investigation on the grounds that I noticed the item is just not being recorded recently. To my shock, I have gotten a notice mentioning that your examination was achieved and that the item had been " tested as reliable. Within Section 1681 ( g ) please make sure to generate me along with a brief description of the process utilized to validate the account is " reliable '' and give me the name and addresses of persons asked in every rule found in the FCRA.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I recently applied for Public Service Loan Forgiveness program with XXXX XXXX. I was told that after consolidating my loans in XXXX, the time started over from that date. Problem is they are not taking into consideration my loan paid prior to XXXX. In fact I paid off several loans from XXXX XXXX and XXXX XXXX XXXX from XXXX XXXX. After reviewing my credit report XXXX XXXX has reported that they actually paid these loans off via consolidation. This is not true. I have reached out to the Dep of Ed. and XXXX XXXX and they are not taking my issue seriously.
Company Response:
State: FL
Zip: 33782
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have payments made on my account that should count towards student loan forgiveness under the XXXX program. Those payments are payments for the subsidized and unsubsidized loans for payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please correct the information on the account and include these as eligible payments under XXXX
Company Response:
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A