Date Received: 2020-11-18
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/2020 XXXX was added to my payment balance. XXXX this amount was said to be refunded. My total amount due has gone up and not assessments have been made. I have not added any private student loans in many years this account was consolidated private student loans. I have called the leader to try and get it taken care of they are not working with me. They have not adjusted the amount or tried to assist. Someone is scamming me.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX I received a letter from Fed Loan regarding my updated number of qualifying payments for PSLF ( Public Student Loan Forgiveness ), which totaled 61 payments, making my projected date of forgiveness at or around XX/XX/XXXX ( see attached file for details ). As reflected in this file, I have worked at the same institution XXXX XXXX XXXX XXXX in XXXX, NY XXXX since I started PSLF in XXXX. Each year, I have submitted my Employment Certification form along with my IDR renewal application in or around XXXX. This year, I submitted both files on XX/XX/XXXX. On XX/XX/XXXX I received notification that my employment certification form from XX/XX/XXXXXX/XX/XXXXhad been reviewed and approved and my updated number of qualifying payments for PSLF would be sent to me within the next few weeks. Unfortunately, as of the time of this letter, I have yet to receive an official letter from Fed Loan regarding this updated number. When I called and spoke with XXXX on XX/XX/XXXX ( Employee ID # XXXX ) she assured me that the updated PSLF payment count was still processing and that I should receive a letter within the next few weeks confirming an updated payment count of 73 ( which would include the newly approved 12 payments from XX/XX/XXXX-XX/XX/XXXX XXXX. On XX/XX/XXXX I called back to speak with a representative since I had still not received an updated qualifying payment letter as was assured to me by the representative I had spoken to on XX/XX/XXXX. I spoke to XXXX XXXX Employee ID # XXXX ) and was told that the total number of approved payments had actually decreased from 61 total down to 54 despite the approved employment certification from XX/XX/XXXX-XX/XX/XXXXXXXX the new payment count was supposed to be ~73 with these dates added in ). As per XXXX, when she looked at my records, she could see that there were 11 months that were previously approved as qualifying PSLF payments that were now not coming up as not approved. She could not explain the rationale for why this had occurred and therefore she submitted my account for a manual review ( which, as of the time of this letter, is still pending ). Additionally, between the period of XXXX XXXX XX/XX/XXXX, she stated that my account was marked as in a voluntary forbearance and no payments were received for those months. This was prior to all of my loans being transferred from my prior servicer, XXXX, to Fed Loan on XX/XX/XXXX. Since I had never requested to be in a forbearance during this time period with XXXX and since I had made monthly qualifying payments via an income based payment plan, XXXX suggested that I contact my bank XXXX XXXX XXXX XXXX XXXX to obtain copies of my monthly statements outlining that payments were made from XX/XX/XXXX XX/XX/XXXX. Attached is a copy of my bank statements from XXXX XXXX XXXX fromXX/XX/XXXX-XX/XX/XXXXwhich shows recurring monthly payments to XXXX for my federal loans of approximately {$330.00}. Then, on XX/XX/XXXX, prior to my loans being transferred from XXXX to Fed Loan on XX/XX/XXXX, I made a one-time payment of {$380.00}. All of these payments were made via an income based repayment plan and occurred at or around the XXXX of each month. Given that I was making regular payments during this time frame via an approved payment plan ( IBR ) and had never requested to be in a voluntary forbearance, I submitted a letter with supporting bank statement documentation to Fed Loan on XX/XX/XXXX asking for the forbearance from this time period to be removed from my account. In addition, I requested that the 12 payments from XX/XX/XXXX-XX/XX/XXXX be counted towards my total number of qualifying payments for PSLF. This would be in addition to the other 11 months of qualifying payments that I was told were previously approved and now have been removed from my account, thus prompting the manual review submission. Therefore, between those 2 discrepancies, we are looking at, in total, 23 payments, which should be credited to my account, particularly since these same payments were previously counted as qualifying payments as per the itemized payment certification count letter I received from Fed Loan in XX/XX/XXXX XXXX see attachment ). On XX/XX/XXXX I contacted Fed Loan again and spoke to XXXX XXXX Employee ID # XXXX ) who confirmed that they had received my letter and supporting documentation and would be applying this information to the manual review. Then, on XX/XX/XXXX, I called Fed Loan to follow up on the status of my review and spoke to XXXX XXXX Employee ID # XXXX ) who, at first, told me that he could not see that any manual review had been done on the payment dates in question and the forbearance was still coming up on my account. XXXX stated he could not help me any further and connected me with a specialist named XXXX ( Employee ID # XXXX ) who assured me that the payments in question were still under review by the federal government. I was told that this process can be extensive and can take " a long time '' and thus no estimated time table was given to me with regards to when I should be expecting a resolution. XXXX again confirmed that they were in receipt of my letter and supporting documentation from XXXX and told me they would be in touch at some undisclosed time period once the review was finalized. As of the time of this letter, I have not received any written documentation from Fed Loan outlining any changes to my total payment amounts and I am still waiting for a resolution to my issue. This is concerning since the changes they are suggesting pushes my estimated date of forgiveness with PSLF back by at least 2 years, if not more.
Company Response:
State: NY
Zip: 14580
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: MY STUDENT LOANS WERE CONSOLIDATED IN XXXX BY XXXX. FEDSTUDENT LOANS RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXX. I AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. FEDLOAN IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE XX/XX/XXXX.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been working with FedLoan over the past 2+ years to review 31 payments that they marked as ineligible for Public Student Loan Forgiveness , but every time I or my husband call they say the review is still pending - most recently today ( XX/XX/20 ), and there is no resolution in sight. The payments marked as ineligible for PSLF in my online FedLoan account are claimed to be denied due to " No Bill '', " No Payment '', or " Outside Window '' which are untrue. These student loans were serviced by XXXX at the time and I have offered to provide billing statements from XXXX and statements from my bank showing payments processing during the disputed periods, but FedLoan has continually refused this documentation.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I received an email from XXXX stating that my student loans have been transferred to XXXX, and I would have to set up online access with them. I created the profile, however my loans are not showing. It is showing I have no loans or ability to pay on them. I then tried to contact customer service and could not get through. I then emailed them directly, and did not get a response. I was told for sure by XXXX the account will be ready XX/XX/XXXX, but now here it is XX/XX/XXXX, and I am unable to make a payment or even have access to my student loans. Payments are going to be due, and I can not pay on them because I have no access. I am now getting loan error messages on the website, but it is not giving me access to the loan, ability to pay on the loan, and they are not willing to communicate with me. I just want to get this resolved. This can not effect my credit. This would have an impact on me getting a mortgage if these are not resolved. Please assist.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Hello, My student loan is currently in default with XXXX. American Education Services is the loan servicer. I filed bankruptcy in XXXX. The full amount of the bankruptcy was paid in full in XX/XX/XXXX. I realize this is not customary, but the judge put my student loan in the bankruptcy. The total bankruptcy balance was paid in full in XX/XX/XXXX, but was not posted to my student loan account until XX/XX/XXXX. XXXX says I still have a balance of about {$5000.00}. The trustee in my bankruptcy case made all payments to my creditors. They said all I have to do is forward my bankruptcy information and it should clear this up. I continue to be harassed. My credit score is under 500. I contacted the Attorney General in Washington state. They contacted AES on my behalf, but they will not work with them. In addition, AES tacked on {$15000.00} onto my loan balance is XXXX. After completing some research, I don't think they could do that. My bankruptcy paperwork is attached. Thank you for reviewing this complaint.
Company Response:
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: At this time, there are payments that are being counted as 'inellgible ' despite a bill being issued on payments from XX/XX/XXXX through XX/XX/XXXX, Payments not being counted from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that should be counted. Can you please look into this? Thank you so much for your help.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is my 3rd time submitting a complaint about how Fedloan Servicing has handled my payment count, with the most recent complaint being submitted in XX/XX/XXXX, which was not completely resolved. I contacted FedLoan Servicing to request they correct my payment count for the payments that I made in the " Paid Ahead Status ''. Paid Ahead Status occurs when a person pays more than the minimum payment required in any given month. However, in the past when payments were made in this manner, the following month would show a lower payment needed to ensure the payments amount is satisfied. I have nine months where I previously made a higher payment, resulting in my account being in " Paid Ahead Status ''., and then the following months showed a lower balance/payment that was needed. I paid the lower amount in nine different months, which still made my account current. These payments are now supposed to be counted in the TEPSLF payment count. However, Fedloan Servicing has not applied these payments towards my TEPSLF payment count. The months needing to be added are the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - this is according to the documents that Fedloan previously submitted to me ( see attachment ). Please correct this and have the payments applied so they will count towards the TEPSLF program. Thank you.
Company Response:
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have applied for public service loan forgiveness multiple. I do qualify for this but XXXX and Fedloans have both been using predatory practices to make this process impossible. 1 ) I received all of my education paid for by public loans, my family was well below the poverty line and I completed my entire XXXX degree while doing work study and on federal loans. 2 ) following my graduation I worked for 1 year at a qualifying employers while making my qualifying loan payments. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, non profit ) 3 ) somehow XXXX purchased my federal loans and began servicing them. 4 ) I then worked for 2 more years at a different qualifying employers while making monthly qualifying loan payments. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 5 ) I then returned to XXXX school and took out more federal student loans. During these 2 years I continued to work full time at a qualifying employer ( XXXXXXXX XXXX XXXX XXXX XXXX ) I was not making loan payments during this time. 6 ) When I completed my XXXX program in 2013 I again began working full time at a qualifying employer XXXX XXXX XXXX XXXX as XXXX XXXX XXXX. I have worked in this field and made qualifying payments to my Federal Student Loans since 2013 ( 7 years ) I have evidence that I have made 120 qualifying payments ( 12 years of payments on my XXXX loans ) I have provided my FAFSA info, my tax returns and all other materials to these servicers ( who already have access to this information ) on multiple occasions and yet they continue to deny the above facts and forgive my loans through the PSLF.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Fedloan - In 2017 a began a XX/XX/XXXX program. I did not realize this would start a forbearance. I called fed loan in XXXX ofXX/XX/XXXX the day after the payment did not post and learned of the forbearance. I spoke to an employee who told me I could have the forbearance removed, and I should continue maling payments as they wouldstill count to my public service loan forgiveness. I immediately sent in the form and continued to make payments. I have been trying since then to have not only that payment, but the next 3 payments count towards my total payments. I requested a review in XXXX and was told it would be addressed in 90 days. Today when I had a chat conversation with a fed loan employee. XXXX, she told me it was a minimim of 90 days. I am within a year of meeting 120 payments, and I still can't get this resolved. Additionally in my numerous phone calls to fed loan I have been told I would definitely qualify for TEMPSLF by one employee, and that I absolutely would not by another. This has been an extremely frustrating process. Beyond that, when I first graduated and tried to enter the program XXXX XXXX told me I was in and there was nothing I needed to to. After a year of this, I spoke to someone who informed me that was incorrect and I needed to consoldate my loans. It took 6 months to consolidate my loans and get into a qualifying plan. So I lost a year and half of payments due to misinformation and mismanagement. The payments I was making were larger than income based payments.
Company Response:
State: IN
Zip: 46143
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A