Date Received: 2020-12-22
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I filed a mandatory forbearance request with my loan servicer AES and they did not request any additional information. They granted a temporary forbearance then rescinded it and charged me a late fee in XX/XX/2020. They are charging me this late fee and forcing payment during the period the government has issued a moratorium on student loan payments, through XXXX XXXX.
Company Response:
State: OR
Zip: 97477
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied for Public Service Loan Forgiveness ( PSLF ) and was denied and then applied for the Expanded ( TEPSLF ) and was also denied. This was done in the fall of XX/XX/XXXX. I have well over 120 payments required and have actually been employed as a public prosecutor for almost 16 years. However they refuse to count the majority of my payments claiming they or not the correct type of payment. But they are now counting my payments even though I never changed my payment plan. I moved my loans back to the Dept of Education in XXXX/XXXX once I could to take part in PSLF. No one ever told me that there was a specific repayment plan needed to qualify even though I specifically asked. I also thought the TEPSLF was intended to correct this issue but was denied under that as well. I have been paying back my student loans for over 21 years and have been in public service almost 16 years. If anyone is deserving of this program it is me. Please look into this and help me. I have continued to make my payments every month even through the Covid-19 pandemic.
Company Response:
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am currently working for the XXXX XXXX XXXX, and my loans are being serviced by Fedloan Servicing. I am working towards public service loan forgiveness. After receiving a statement regarding my payments, I asked for a detailed account summary. In short, over 3 years of payments are being labeled ineligible for the stated reason of payment not in full. Yet, the summary shows that I did make the exact payment amount and the majority of the time, I was on auto pay. Additionally, they are claiming a missing payment for XX/XX/2014, yet the prior servicer 's records show I made that payment. They now claim, the payments were " outside the window. " A cursory review of the account shows they are lying and prolonging my repayment. Those payments should be labeled as qualifying payments.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Re : Account Number : XXXX XXXX XXXX I am writing to you requesting a tepslf. As you can see I have made an extreme effort to pay the loan with automatic payment, doing what I need to do get the forgiveness approved. Upon discovered that all of the 133 payments of {$250.00}, which equal to {$33000.00}. did not count toward. I also discovered that only 17 payments that count toward, which is and out of that only {$4300.00} What about the rest of the payment {$29000.00} where does it goes to, someone pocket? And no one can tell me where the payment goes to. It is unfair for me as a good citizen whom who work and give back to the society, the community and as well as paying his debt, and just want a loan to be forgive. They blaming me for not doing right, but all this years they keep their shut. Every time I called I never get the answer. It always a run around. I email to XXXX months ago with no response. Please take a moment to consider my request. Thank you
Company Response:
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I am attempting to qualify for the Public Service Loan Forgiveness program. I believe I have made my 120 payments. My loans were consolidated with XXXX XXXX in XXXX of XXXX. According to my studentaid.gov account I can see that my loan status was in repayment as of XX/XX/XXXX. My servicer at that time was XXXX XXXX XXXX XXXX, until it was transferred in XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX are not currently counting towards my PSLF according to FedLoan. They are listed as being under manual review. I initially requested this manual review in XXXX of XXXX and it has not yet been resolved. I submitted my application for PSLF this month, because if the payments from XX/XX/XXXX through XX/XX/XXXX are included I have now met the 120 payments for forgiveness. FedLoan 's response was that I currently have 108 qualifying payments because those 12 are considered ineligible. However, they have not yet determined if they are eligible or not since they are still pending manual review. I have no documentation available from XXXX XXXX XXXX XXXX because it no longer exists and all of their email communication just directed me to my inbox on their website. I do have my bank account statements showing my payments from XX/XX/XXXX through XX/XX/XXXX and can possibly request older ones from my bank if they still have them. I do know that I was on the income-based repayment plan at that time. When speaking with FedLoan to resolve the issue I was told that the manual review from XX/XX/XXXX is still in process and they are still waiting for information from my previous servicer. They have no indication on how long this can take, but indicated that 18 months is not the longest they have seen it take. My servicer that has the information they need is 3 servicers ago, so I don't think that contacting my most recent servicer will get them the information even if they wait another 18 months. The information should be available to the federal government since it was the XXXX XXXX organization that was directly servicing my XXXX XXXX at the time of consolidation. My student loans should be able to be forgiven at this time as I have made my 120 payments on appropriate payment plans. I think it is unacceptable that FedLoans can take 18 months to review this information without them having any more efforts to resolve the concern.
Company Response:
State: MO
Zip: 63017
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have already filed a complaint with them but they don't care. I have been mislead and given false information multiple times over the years with AES. I have now been paying them since 2007 as a consolidated federal student loan as much as i can afford, XXXX in interest at 7.25 %, yet my principal is more than it was when i started. I was told i was on a repayment plan ( by many of their reps ) working towards forgiveness in 25 years. I was also advised to take forbearance when i was laid off, not knowing that would also effect the number of years i had paid in. I was today told i was never on the correct plan for forgiveness. So that is 13 years of payments wasted. I will never pay off my loans before i die. They are deceitful and taking advantage of the public and deliberately trying to extend the life of the loan. Their business practices are simply illegal.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello Reader. Thank you for allowing the submission of the complaint. While reviewing multiple credit profiles, the abundance of student loans has reflected severely on the credit profile. Fed Service Loan has overseen the placement of interest daily accruing debt. Understanding funds are dispursed at different times within the terms of the promissory note. The account numbers are mimicking one another. The failed practices are decreasing my credit, along with my creditworthiness. Fed Loan Service Co is no longer a service provider for the Department of Education. Failed continued actions have assisted with the decline in the score.
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I completed all of the legal forms to place myself on an IDR Income-Driven Repayment Plan with FedLoan Servicing during a period of unemployment. This was accepted and my cost per month was {$0.00} according to the agreement as stated in the repayment plan. I then had some of the previous money that I paid on my student loan returned to me because it was a time of financial crisis. The FedLoan loan officer that I spoke to on recorded calls to FedLoan Servicing assured me that this would not impact my credit or my life in any negative way and that the only negative consequence would be that the interest would continue to rise and I would pay more at the end of the life of the loan than I would if I didnt have some of the money refunded. Apparently my loan was in forbearance while my repayment plan was switched to an Income-Driven Repayment plan, and so this would have no negative impact, as I was told repeatedly. I started to receive letters in the mail about late payments in XXXX when my repayment plan was set for one year at $ XXXX/month. I called FedLoan Servicing to ask them about the letters. I was told repeatedly that the letters were in error because it takes the system a while to update. I would check online on my loans and find red writing saying overdue. Again, I would contact FedLoan Servicing and they would again and again assure me that this was all an error. A direct quote from FedLoan Servicing is to disregard those messages. I called at least four times and spoke to a representative over the course of several months in the later months of XXXX. Again and again, I was told the false statement that everything was totally fine and my payments werent late and that the information just needed to be updated by the system. I didnt take note of dates and times of these phone calls because I wasnt aware that the information I was receiving was false and that it would ultimately come down to this. I talked to one agent at FedLoan Servicing that told me that he was going to look into the matter for me and find out what was going on. He called me the next day to tell me that everything was totally okay and that I had absolutely no reason to worry. After that, when I got a final notice, I called FedLoan Servicing yet again, and was told that my loans were not serviced through them anymore and were now with a debt collector called XXXX XXXX XXXX. Immediately, I did what it took to talk to FedLoan Servicing, who once again made false statements saying that they would look into it and that they take these matters very, very seriously. I told them about the recorded phone calls, and they promised to look it up. I never heard back from them by email, mail, or phone. XXXX XXXX XXXX said that at that point, the best thing I could do was go through a loan rehabilitation program to take my almost 15 years of perfect credit history and try to restore it in some way. I cant tell you the amount of frustration and agitation this caused. It wrecked havoc in my life. I spent 15 years building my credit, and I am at the age where I just bought a new car and am looking to buy a house. This ruined my financial future. I wanted to just pay the loan in full by borrowing money from family, but if I did that, then the loan rehabilitation wouldnt apply and the default wouldnt be taken off of my record. I went through the loan rehabilitation program with the US Department of Education from XXXX XXXX XX/XX/XXXX. I completed this program and the default is off of my credit reports. I then paid my loans in full. What I seek is justice. I want all of the false credit reporting to multiple agencies about how Im 120 or more days late for payment for 7 different loans held by FedLoan Servicing ( US Dept. of Ed. ) for a total of just over {$17000.00} completely off of my credits. It is unjust. It is a lie. I deserve to have my financial life back from FedLoan Servicing and their inability to accurately provide information to me over a series of more than 4 phone calls. My last contact with FedLoan Servicing was on XX/XX/XXXX at XXXX am, when I spoke to XXXX : ID # XXXX from the service recovery team. ( I started taking notes about who I spoke to and what time and what day after I realized that FedLoan Servicing was incompetent and about to deal me an injustice. ) It also would be great to have justice for this wrong-doing and to have training provided for the loan agents who repeatedly gave me inaccurate information. I have waited until now because finally my loans have been rehabilitated and now that it is a bit more settled, I want to take legal action against FedLoan Servicing. Please help.
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I attended XXXX XXXX College 2018 The College has closed due to not meeting accreditation. My credit report reflects a balance from FedLoan Services Although, The College is Closed. I want this balance removed from my credit report as I cant transfer these invalid College credits. PLEASE HELP
Company Response:
State: MD
Zip: 21225
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
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 sent 2 letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. This account has 3 different dates last payment XXXX has XX/XX/XXXX, XXXX reports XX/XX/XXXX and XXXX XX/XX/XXXX. How can the creditor have verified the different sets of information? You have violated my rights under FCRA with a failure to place this items in dispute and to conduct a proper investigation. This information is both incomplete and inaccurate with three entirely different pieces of payment history reporting. I demand it be deleted immediately.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A