Date Received: 2020-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XXXX of 2020 Fedloan Servicing deleted student loans from my consumer credit report as a result of not being able to properly validate the accounts. I have contacted Fedloan Servicing via mail on XXXX of 2020 notifying them that I am deserving of remedy under the Fair Credit Reporting Act, 19 U.S. Code 1681b and years of defamation of character.
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On My credit report show a few accounts closed and in delinquency. Student loans accounts are in a payment plan, how ever this accounts are showing late and that needs attention on a make a payment. All my student loans are out of defaults. thanks,
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by Fedloan Servicing. All 3 credit agencies ( XXXX, XXXX, and XXXX ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. Fedloan Servicing, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.
Company Response:
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2020-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX at XXXX. After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/XXXX.
Company Response:
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: AES/PHEAA has recently changed the due date of one or more loans on the account without my express permission and failed to alert me of the change. I was given little time to prepare for the specific amount due to the change in due dates. In addition, I do not agree with the change in due dates. AES will be forced to change the due date back once I file a complaint with the courts. I do not trust AES/PHEAA and wish for all correspondence to go through my attorney going forward. The representatives who respond, are cold and inhumane, treat me with disrespect, and do not care about cyber security. AES/PHEAA breached any contractual obligations by violating the consumer rights I have. Employees also tend to eat while speaking over the phone, and are not friendly or respectful. I'm offended by this lack of integrity.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Previously aided Consumer Financial Protection Bureau in what ultimately became the Lawsuit filed by The California Attorney General in XXXX against XXXX XXXX XXXX XXXX which was single handedly based upon my direct information regarding the Illegal and unfair practices taking place from the time of my enrollment, during my whole enrollment, until my unfairly, Illegal withdrawal by XXXX XXXX XXXX from attending any of my enrolled classes in which I obtained 7 Federal Student Loans by The Department of Education, not including the out of pocket expenses approximately totalling $ XXXX for transportation costs, Parking costs, additional equipment after being told my loans were already maxed out in what was supposed to cover all costs associated with my enrollment, Parking Tickets from the lack of student parking which led to the moving of student vehicles every two hours during which students were in class and not given sufficient permission to be excused from class to move vehicles which led to tickets, towing, booting of vehicles, locked out of said classes due to having no choice but having to leave class or having vehicle towed or multiple tickets. Although a Defense to repayment was submitted and I was one of seven former students carefully chosen and interviewed by The Department of Justice to serve on a student led committee to over see the Bankruptcy case in which attorneys who at the time claimed it was pro bono provided or found by the Organization The Debt Collective, which led to numerous trips by car, airplane, numerous stays in hotels, hours upon hours of time spent in court proceedings in Delaware, XXXX XXXX, ect all told was being taken care of by judgements and funds from passed lawsuits and accounts solely for the Frauded students which was led to believe was restitution but never seen a dime and still even after years since the Bankruptcy Case, the lives destroyed, homelessness, lack of employment, lack of enrollment in other high institutions with the false promises of transferring of credits, denial of further credit for rental properties, car loans, medical bills from the stress, mental stress, depression, drug addictions, suicidal thoughts, ect, inability to access resources for additional help after the whole Attorney General lawsuits and media attention died down, myself and thousands of others are still reeling from this Department of Education and government backed for profit business which was guilty of numerous criminal charges, Federal charges all in the name of the students enrolled and ripped off, still to this day, documented all over the world wide web, multiple media outlets of Billions of dollars being sued an won all to be distributed to whom, and the new job the former California Attorney General XXXX XXXX now Vice President has all due to the small voice and One Small Women, Myself who started a complaint with some help from Congresswomen XXXX XXXX which in turn led contact to myself from The Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX, XXXX XXXX, all in which I had telephone conversations, emails over months until I was told during one of the last conversations I Quote " XXXX XXXX, we want tk comment and stress we do not at all represent you in any way legally in regards to your complaint and information you have given to us and to possibly look for an attorney to help with anything further ''. After all the information I had given and also my comments to the individuals I named above about my inability to afford a private attorney for any further help with mh complaint in regards to XXXX XXXX to ultimately being notified by the Media, XXXX XXXX XXXX Morning news End of XX/XX/XXXX, Press Conference by the then former California Attorney General XXXX XXXX stating the beginning of a {$30.00} XXXX dollar lawsuit with all the information I had just given her Deputy Assistant Attorney General XXXX XXXX, XXXX XXXX in regards to numerous Federal and State laws being broken by my specific XXXX XXXX XXXX XXXX XXXX, Ca. Unfortunately, to my utter amazement all email addresses and telephone contact numbers given to me were no longer reachable and all contact at that point and the future was cut off. I was not only utterly embarrassed, feeling used, hung out like a rag doll, left to fend for myself with assumptions made I was going to aquire Legal Representation, for all my personal information in regards to my specific enrollment agreement, all persornal school financial records, personal attendance records, any and all conversations documented by email with numerous individuals represented by XXXX XXXX as employees such as Academic Advisors, Dean 's, Financial Advisors in regards to by direct specific Federal Student Loans, any and all of my entire Enrollment Profile/Record for XXXX XXXX XXXX XXXX, Ca, what was out right and down right Criminal in regards to any and all Federal And State Laws, also in regards to the daily workings and knowledge I personally had of what I directly was dealing with for the span of Two and a Half Years of my enrollment with in my specific campus at XXXX XXXX of XXXX XXXX and which ultimately led to Large Umbrella Company not made available or known by students, Corinthian Colleges, which ran multiple schools, not just XXXX XXXX XXXX, Not one cent, dollar, nor one single resource was made available by anyone including the Department of Education, CFBB, Office Of Student Aid, California Attorney General XXXX XXXX, anyone one individual in which I named above and I had just given information to jump start at the time the {$30.00} XXXX dollar California Attorney General led Lawsuit against XXXX XXXX, but up until now all the billions of dollars in lawsuits and what I have researched til now and all these past years of supposed restitution being held or being acquired from multiple lawsuits which was never to be seen as any restitution especially not by myself or close kept contact by former students in which I served with on the student committee appointed by the DOJ contacted in the beginning by direct email, telephone and voicemail calls and in final telephone interview of sorts which led to my direct appointment on the student led committee on these pointless trips upon airplane, car in hotels, hours in courts for little to Absolutely nothing but more stress, more mental anguish, more out of pocket expenses to only if lucky have federal loans discharged but still held on credit report which still leds to credit denials for all kinds of numerous consumer dealings for example applications for rental properties at the least a one bedroom apartment, or a vehicle with value of that under {$10000.00}. The most smallest of dealings that most of the higher income based individuals in which myself and the student led committee had dealings with in hopes of some financial regain for the thousands and thousands of dollars put out of pocket just to further our education with the belief in our government ran education department whom monatarely backed this umbrella corporation of multiple schools with so called accreditations which had no base or merit. This is my complaint after years of silence and being used and mentally abused and left with nothing, no help, no justice, no peace, homeless still in XXXX due to the numerous federal loans supposedly discharged but still clear as day on my credit report like it was yesterday and has had a very large impact on my ability to obtain housing, employment, further education, ect. I am not only at my bitter end but on the absolute brink of being a victim of our government and the streets in which I was left to parish.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: 1 ) My complaint pertains to the gross negligence done to me by the PUBLIC SERVICE Loan FORGIVENESS DEPARTMENT, U.S. DEPARTMENT OF EDUCATION. 2 ) I, XXXX XXXX, am filing this complain against the PSLF Department 's gross negligence of losing my certified PSLF form by my former Employer, the XXXX XXXX XXXX XXXX ; the PSLF Department never NOTIFYING ME up to date, either by mail, or email. 3 ) More disappointedly, the phone associates at the PSLF Department were involved of deceiving, stating that my PSLF form was in a processing state, while they knew that my PSLF form was lost and never processed. 4 ) I learned today ( XX/XX/XXXX ), by XXXX, a XXXX XXXXhone associate, employee 's number XXXX, that SIX WEEKS AFTER the U.S. Department employee received and signed my Certified XXXX Form under 'PHEAA XXXX with the date XX/XX/XXXX, PSLF Department can not find my form, certified by the XXXX XXXX XXXX XXXX [ XXXX ] ( from XX/XX/XXXX to XX/XX/XXXX ). 5 ) During the month of XX/XX/XXXX I called the FedLoan Servicing at ( XXXX ) XXXX XXXX TIMES. 6 ) Three PSLF phone associates lied to me, assuring me that my XXXX certified form was in process ; I should receive the approval/disproval status of my form up to 10 business days. 7 ) Twice I was ASKED HOW DID I SEND MY FORM! I stated I mailed the form with the XXXX Certified receipt no. XXXX. I asked the associates why this is important. Just to learn that PSLF Department has lost my form. 7.Below are the details : a ) I am accepted and eligible for the Public Service Loan Forgiveness Program ( U.S. Dept . of Education ). b ) Every year, I mail my PSLF Employment Certification Form in the Paper format to U.S. Dept. of Education, FedLoan Servicing XXXX XXXX, XXXX, PA XXXX XXXX. c ) My forms were signed and certified by my School District XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX. I left the XXXX XXXX XXXX XXXX on XX/XX/XXXX, after 14 years of working for them ; I begun to work as a XXXX with my new, now current employer XXXX XXXX XXXX XXXX fro XX/XX/XXXX to PRESENT. I AM CONTINUING TO WORK FOR A PUBLIC EMPLOYER, XXXX XXXX XXXX. d ) On XX/XX/XXXX, I mailed to the U.S. Department of Education two ( 2 ) PSLF forms. e ) The First form was signed and certified by the H.R. Director XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York for the period of XX/XX/XXXX until XX/XX/XXXX ( my former employer ). f ) The Second PSLF Form was signed by the H.R clerk XXXX XXXX, from XXXX XXXX XXXX XXXX, XXXX, New York ( my present XXXX XXXX XXXX/employer ) g ) The PSLF Department rejected my first PSLF form from the XXXX, stated two different things : * it does not have the title of the XXXX XXXX XXXX ; ** I did not submit the third page with the signature h ) The PSLF Department accepted my certified form by my present employer XXXX XXXX XXXX XXXX, XXXX, New York, and credit my PSLF for this employer only. i ) On XX/XX/XXXX at XXXX XXXX. I mailed ANOTHER CERTIFIED PSLF FORM by the XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX, his title stated, his signature and contact phone clearly written/signed on XX/XX/XXXX. j ) PSFL Department received my form on XX/XX/XXXX k ) Today, XX/XX/XXXX, I called the FedLoan Servicing. XXXX, the phone associate, told me she can not locate my XXXX PSLF certified form. XXXX ADVISED ME TO ONCE MORE MAIL OR FAX THE SAME FORM TO THE PSLF DEPARTMENT. IT WAS LOST. l ) THIS IS UNACCEPTABLE! The PSLF does not want to recognize my certified employment with the XXXX XXXX XXXX XXXX from XXXX to XX/XX/XXXX! m ) This must be fixed immediately. I should not be spending money for certified mail every month, while irresponsible employee of the PSLF Department purposely and negligently are losing important records!
Company Response:
State: NY
Zip: 14626
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a participant in the Public Service Loan Forgiveness program. Since 2018, FedLoan Servicing has been placing Loans # XXXX, XXXX, XXXX on administrative forbearance. I have called to remove the administrative forbearance on these loans when I see a billing statement when they are not included. Some loans getting taking out of administrative forbearance and some remain. This has caused me to miss out on as many as 22 qualifying payments for PSLF ( see loan # XXXX XXXX.
Company Response:
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My dates opened arent the same on each credit bureau, my date last active arent the same on each credit bureau & my last reported dates arent the same on each credit bureau.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loans were consolidated six in all at supposedly 2.2 percent on a 10 year loan. I paid on time for 10 years with a 2 year deferment while I went bankrupt. I looked to see if I could pay of the remaining balance because it should have been close to payoff. Instead the balance was unchanged. I challenged AES about the balance and they sent me documents that showed the interest rate at 7.25 percent which I never signed for. The documents contain very little information and no terms and conditions and the signature at the end is a supposedly electronic signature but there is no way I would have signed those documents. This ends up being like a 50 year loan. They must have had the terms and conditions at some point in order to set up a legal repayment plan. I believe it is a clerical error on their part and then they fraudulently forged document to cover their error. The documents provided meet no legal standards, it doesn't contain any identifiers doesn't say the lender doing the loan and mainly it says I was unemployed which I in no way was. They didn't have my employers information so they put unemployed which right there tells me it was altered not to mention the other things altered. Is seems pretty likely that AES altered the paperwork because they would have had to know that this payment plan would take 50 years and would not meet Federal Student Loan Guideline. If they did not know this loan was wonky then they should not be a student loan servicer.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A