Date Received: 2021-01-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have made a few payments that should have qualified for XXXX but they are saying there is no bill. One is being " reviewed '' but has been for the past 1.5 years. This payment was made XX/XX/XXXX in the amount of {$1900.00}. Another payment in the amount {$1100.00} made XX/XX/XXXX is marked as ineligible. I have attempted to get this resolved several times since filing the request to have them reviewed and each time I am met with the response that it is under review with no ability to delineate a time line. I should qualify for forgiveness in a little over a year and would like to get this handled especially with the looming Department of Education deadline of transfer of loans to another servicer.
Company Response:
State: PA
Zip: 15206
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The accounts that I disputed wasn't fixed by the company at all. When I requested verification of the debts it came back verified when it wasn't verified by the creditor. How can it come back as verified with the credit bureaus when the creditors couldn't verify the debt and This inaccurate information on my credit is preventing me from purchasing a home and is effecting my true credit score. The credit bureaus went well over the 30 days multiple times and I feel like this should be resolved as soon as possible.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was an XXXX volunteer from XX/XX/XXXX - XX/XX/XXXX. I held my loans in forbearance during this time. There is a special arrangement with XXXX volunteers who seek to apply for the PSLF program where after the XXXX service contract ends, a retroactive calculation can be made for what the monthly payments would have been over the XXXX service period, once the loans were out of grace period ( XXXX XXXX - XXXX. XXXX ). Based on this calculation, the XXXX volunteer can make those payments retroactively, using their Segal Education Award, and have those payments count as qualifying payments toward their PSLF ( even though it was in forbearance originally ). I went through this process and was told that my qualifying monthly payments would be $ XXXXmonth over the XXXX service and submitted an employment verification form at that time ( late XXXX ). There was an issue with the EIN. I moved abroad over this period and was unable to resolve the issue myself. I had my mother ( who had financial power of attorney at the time ) contact Fedloan about this issue. They would not recognize the notarized POA document provided and the issue went unresolved ( they did not approve the form since it was incomplete and therefore the PSLF payments were not accepted ). Once I returned from abroad ( XX/XX/XXXX ), I brought back the issue, and tried submitting the EIN to get the payments approved. I was told that it could not be approved because the 90 period had passed for the employment verification form and that it was a void document. They recommended I resubmit a new employment verification form. When I did so, they said that the employment qualified, but the payments did not. COntrary to the information I was provided in XXXX, they told me that they had to recalculate the payments based on a standard repayment plan and not the income driven repayment plan originally used to calculate my monthly payments. As such, they provided me with a recalculated repayment total over the span of XXXX XXXX - XXXX. XXXX ( totalling {$2200.00} ). I then made this payment using my Segal award, on the information that this would result in the approval of my qualifying payments over that period of time. I received my updated qualifying payments toward the PSLF after this time, but the payment was not recognized. I submitted a review of the qualifying payments on XX/XX/XXXX and have yet to hear back regarding this issue. To date, I have been trying to resolve this issue for three and a half years, my legal POA was denied access and ability to manage my financial affairs, information regarding my qualifying PSLF payments has changed, I was coerced into paying {$2200.00} out of my Segal award with not results ( in contradiction to previous information provided from Fedloan ), have spent countless hours on the phone trying to resolve this issue, and have no information on a timeline of when the present review will be determined.
Company Response:
State: WI
Zip: 540XX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX, I called fedloan servicing and spoke to the customer service rep ID # : XXXX to review the number of my qualified payments when I realized the number reported was incorrect. The customer service rep told me it would be fixed right away and to give them sometime. I waited for 8 months and called again on XX/XX/XXXX with the same concern, I was told it would be expedited and the error will be fixed. I called again on XX/XX/XXXX with the same complaint and the customer rep told me it'll take sometime and can't give me a time line even though it's already been a year since my first phone call. This is unacceptable. She told me even if I called back in a month or 6 months, there was no guarantee the error would have been fixed.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My student loan were disputed and removed however its still showing 7 late payments on my credit report. These 7 late payments are appearing from from a reported sources that was removed from my credit. So I would like these false late payments removed from my credit report. There was no late payments because I was on an income based payment plan and my payments were XXXX dollars.
Company Response:
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: FEDLOAN SERVICING reported multiple alleged accounts to the consumer reporting agencies. I am disputing the validity of this alleged debt pursuant to 15 USC 1692g as it is damaging to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ) and invades my right to individual privacy pursuant to 15 USC 1692. I have sent this company a debt validation letter and await their response.
Company Response:
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I attempted to submit paperwork required for a grant managed through my FedLoanServicing student loan account. I filled out the online paperwork and failed to realize hard copies were needed. When I realized, I got these copies and mailed them in. Over a month later, I received a letter stating that my grants were about to convert to loans because paperwork was not received. Upon reaching customer service ( after attempting email contact and not gaining a response that fully answered my question ), I was told the paperwork was rejected because the date format I used in a large blank box was mm/yyyy and they required mm/did/yyyy. Despite asking numerous times, I was told the only remedy was to completely reprint the paperwork, have it authorized again, scan it in and submit it in less than 48 hours.
Company Response:
State: IL
Zip: 62650
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Debt was discharged in Chapter XXXX bankruptcy. Original creditor REPORTS it as such. Whoever this is apparently tried to buy bad debt AFTER the chapter XXXX and is trying to collect on debt that was discharged. They report it as CLOSED, yet they report it as LATE every month. ILLEGAL and I want it to STOP! IF XXXX show the debt was discharged, they CAN NOT pass it off and sell it to someone else after the bankruptcy to try and collect!!!!!!!
Company Response:
State: AK
Zip: 99504
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: On XX/XX/XXXX I was contacted by XXXX XXXX who stated she was from the U.S. Department of Education Student Loan Forgiveness Department Processing calling to discuss my student loan repayment options. She was able to provide me with secure information from my FAFSA profile like my persons of contact, which is my mom and grandmom. She provided me with their first and last name and their home addresses. She proceeded to tell me that my full amount in loans is {$25000.00} and that they way it was set up now no would be paying on it for over 20 years. She asked what my annual income was to see if I qualified for loan forgiveness and I told her I make less than {$25000.00}. She then told me that I qualify for the Student Loan Forgiveness Program - Revised Pay As You Earn Enrollment. She said I would have to pay {$140.00} for 6 months for a total of {$870.00} and after those payments the rest of my loan would be forgiven. I provided her with my debit card to set up the payments to be taken out on the XXXX of every month. She then told me I would receive email confirmations to further solidify the process. She also said that I would be receiving a phone call from XXXX which is someone in their processing department that would be finishing my student loan forgiveness. After speaking with XXXX she emailed me documents to sign. And then the the first payment of {$140.00} was taken on XX/XX/XXXX and then a second payment on XX/XX/XXXX. I found out yesterday after speaking with the real U.S. Dept. of Education FedLoan Servicing Department that I had fallen victim of a scam. I was also informed that some papers had been faxed or mailed to them with all of my personal information and signatures and other information to change on my FAFSA documents. They changed my information to show my repayment option should reflect that I have XXXX children, havent filed taxes in the last two years and that I have non-taxable income. All of those accusations are false. I do not have any kids or dependents, I filed my taxes for the year of XXXX and plan on filing for the year of XXXX, and also I work a full time job where federal and state income taxes are taken out of every check.
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The accounts are in litigation, the balance is incorrect. I needed them closed and not only closed but removed from my credit report immediately.
Company Response:
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A