Date Received: 2020-11-15
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: KY
Zip: 40272
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The extension of this loan given through the use of the Federal Family Education Loan Program constitutes an extension of credit under federal law. Federal law defines a loan and extension of credit as all direct or indirect advances of funds to a person made on the basis of any obligation of that person to repay the funds. According to the Fair Debt Practices Act, 15 USC 1692a., there is no definition for the term loan.Also, banks can not lend money, nor extend credit. A national bank has no power to lend its credit to any person or corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, certiorari denied in XXXX, XXXX XXXX US XXXX XXXX XXXX. The law is not based on belief it is based on facts and what can be proved. I am granting you one last opportunity to cure this matter. Remove this debt from my consumer reports as this is damaging my reputation and causing me financial injury, and apologize for violating me.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Good morning, I called my student loan provider this morning to initiate a refund for a payment made on XX/XX/2020. From my understanding, through the CARES ACT and PRESIDENTIAL ACTION ANY payment made towards to your student loans between XX/XX/XXXX to XX/XX/2020 can be refunded. My student loan provider informed me because the payment I made made the loan paid in full, they don't have the tools to refund me the payment. I feel this is a direct violation of the Cares act and the action the president took. Thanks
Company Response:
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have attempted to contact fedloan servicing about my re-evaluation for my Income Driven Repayment plan. Their automated voice system told me I could expect a response by XX/XX/XXXX. But I got no response. I called in and was told it would be at the end of the month. A few days after that conversation I called back to confirm, inquire why I was given 2 different time frames, and see if it could be expidited. I was transferred to a specialist, there was indefinite silence. No one ever took my call. When I wrote an email about my questions. I received a response from a XXXX saying my inquiry had already been resolved from my call. So now I'm frustrated that no one can tell me why I was given two different time frames or will cooperate with me.
Company Response:
State: UT
Zip: 84065
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
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've seen no changes for the accounts that I have filed last month. I still see multiple 120-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hi. In XXXX I went to XXXX XXXX in XXXX, with a promise that they will find me a job at the end of the program. That is what they advertised and why I chose this college. I took out a large loan and completed the program ( which was a total joke- no one finished any of their homework, the teacher never fully checked our work and taught us nothing. We paid for this certificate, and learned absolutely nothing even though I graduated with honors ). Then they found me an internship at XXXX XXXX XXXX, who told me they are in need of an MAA like me, and after I completed 1 month of full-time work for them, they apologized and stated they cant afford to hire anyone right now. I was upset and went back to XXXX who said that it wasnt their problem anymore, as they already found me 1 job ( which by the way I was great at and they loved me. A few months later I found out that the counselor from XXXX had a deal with that doctors office and kept sending new interns there every month, with a promise that they are hiring, who were all told that they cant hire at the end of their 30-day internship. Such a scam! ). Needless to say, this ruined my chances of applying for another job because they all saw that my internship didnt hire me and questioned it. I had no way of paying my loans, I was XXXX XXXXears old. I got a small minimum-wage job and paid my loan for the first few years. Then in XXXX, I received a letter from the US Department of Education stating that my loan is eligible to be forgiven if I went to XXXX XXXX and took the MAA program from XX/XX/XXXX-XX/XX/XXXX, because XXXX was being sued by several people for fraudulent dealings, false advertising and empty promises. I was ecstatic and submitted my application. I kept calling and checking the status of my application for FOUR years! They kept saying that it is still pending, meanwhile my loan was in forbearance AND accruing interest!! They assured me I will get an answer shortly, since my best friend that did this program with me had her loan fully forgiven already. I finally got a response from them saying that I am NOT eligible for loan forgiveness because I missed the eligible window by a few weeks ( apparently I went to college just a few weeks later or earlier than the eligible date-span ). Which cant be true because my best friend went to the SAME program on the SAME dates and had her same loan forgiven. I dont mean to add in a sob story, but after completing that program back in XXXX, I also dealt with several health issues, brain tumors, treatments and several surgeries. I have so much medical debt and I am absolutely not able to pay back this loan regardless. Especially since I never used this certificate in the first place. I reached out to FedLoan and US Department of Education several times in the last few years, who both give me fake reassurances and help with absolutely nothing. I hope that you can see my unfortunate situation and how unfair it was. This is my last resort. I am literally begging for help. I can provide any and all proof of my certificate, internship, even medical bills and proof of surgeries, if needed. Thank you SO MUCH for taking the time to read this!!
Company Response:
State: WA
Zip: 98444
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have contacted the Consumer Financial Protection Bureau because I have been incorrectly denied loan forgiveness under XXXX. The attached documents certify that 42 payments made from XX/XX/XXXX through XX/XX/XXXX to Direct Loans under the Extended plan should count toward the 120 required payments for forgiveness. According to the FedLoan Servicing website : ED will reconsider your eligibility for XXXX using an expanded list of qualifying repayment plans. Some payments that dont count toward loan forgiveness under XXXX may count toward forgiveness under TEPSLF. The additional qualifying repayment plans include the Graduated Repayment Plan, Extended Repayment Plan, Consolidation Standard Repayment Plan, and Consolidation Graduated Repayment Plan. These plans dont usually qualify for XXXX. You will be eligible for the XXXX opportunity only if, among other requirements, the amount you paid 12 months prior to applying for XXXX and the last payment you made before applying for XXXX are at least as much as you would have paid under an income-driven repayment plan. FedLoan Servicing will assess this and contact you if they need documentation of your income to determine whether you are eligible. In XXXX, I specifically consolidated under this plan because I was told that the Extended repayment plan would qualify for XXXX. The XXXX program was established for borrowers in my specific situation ( borrowers who were denied loan forgiveness because they consolidated under the wrong repayment plan ). I escalated my request through FedLoan Servicing and have been awaiting a response to my appeal to be considered for XXXX since XX/XX/XXXX. At FedLoan Servicing, I have been working with XXXX, who is employee # XXXX. She has sent my appeal but has received no response. As of today, I have made a total of 144 payments ( 24 payments beyond the 120 required ). The longer my appeal takes, the more money I will be owed as a refund for overpayment. As a result, I request an urgent review of my 42 qualifying payments to Direct Loans on the Extended plan, in the amount of {$650.00} each from XX/XX/XXXX through XX/XX/XXXX. Below, I have provided an outline of my correspondence and my appeal and escalation requests to FedLoan Servicing to correct this error before my payments resume in XX/XX/XXXX. Please find the following documents attached ( highlights within the pdfs have been added for clarity ) : XXXXpresent : Complete list of payments made since loan consolidation in XXXX ( pg 3-5 ) XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX note showing Extended plan ( pg 6-7 ) XX/XX/XXXX : NSLDS list of loans consolidated with Direct Loans ( pg 8 ) XX/XX/XXXX : Loan Summary Sheet from Direct Loans confirming Extended plan ( pg 9-13 ) XX/XX/XXXX : Letter from FedLoan indicating loans # 1-2 as Extended plan ( pg 14-16 ) XX/XX/XXXX : Application for forgiveness/ECF signed by employer ( pg 18-19 ) XX/XX/XXXX : XXXX denial letter ( pg 20-22 ) XX/XX/XXXX : Two emails to request TEPSLF consideration ( pg 23 ) XX/XX/XXXX : Email from FedLoan Servicing suggesting to get reconsidered ( pg 24-25 ) XX/XX/XXXX : XXXX denial email ( pg XXXX ) XX/XX/XXXX : letter from FedLoan listing payments XXXX ( pg 28-32 ) XX/XX/XXXX : FedLoan Servicing letter showing payments between XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : FedLoan Servicing letter showing that the only payment plan which doesnt qualify for XXXX is the Extended Graduated plan ( I was on the Extended plan ) ( pg 37 ) Current : XXXX repayment plans on studentaid.gov lists the repayment plans included for XXXX, specifically including the Extended Repayment plan https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service and https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service/temporary-expanded-public-service-loan-forgiveness ( Scans of these webpages are attached and highlighted relevant areas of text pg 38-50 ) The attached documents prove that I have met each of these requirements, and they show that I paid more from XXXX on the Extended Repayment Plan than I did in subsequent years on an income-driven repayment plan. My payment amount was fixed, i.e. it did not change between XXXX ( it was not a graduated plan ). Although I have met all the published requirements and requested an appeal for TEPSLF, I havent received an explanation for my denial or any response to my appeal. As my attached documents show, I have met or exceeded each of the published requirements for this congressional program and have awaited a response from FedLoan for six months. The XXXX program was set up by congress for borrowers who are precisely in my position. These actions by FedLoan are in direct conflict with the program established by congress. Please contact me if you need further information to review my case for XXXX. This must be resolved before XX/XX/XXXX, as FedLoans shows that my monthly payments are to resume. I can not continue to pay toward a loan which met the requirements for forgiveness two years ago, and I need support from your office to correct this error in their accounting. Thank you for your consideration.
Company Response:
State: TX
Zip: 76210
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/XXXX I took out a private loan for {$24000.00}. While I attended school the loan ballooned to {$30000.00} by XX/XX/XXXX. As of today, I've paid back {$37000.00} and as of XX/XX/XXXX, my total balance is {$20000.00}. My expected payoff date is XX/XX/XXXX and I was told if I continue to pay my loan payments every month until the loan is paid off I would end up paying back anywhere from $ 70k- $ 90k. National Collegiate Trust owns my loan and the loan is being serviced by American Education Services. I've written to AES and NCT regarding my loans and any kind of relief and have not received a response. When I call AES regarding my loan they refer me to NCT which says they have no record of my account. I feel like I am being sent around in circles.
Company Response:
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are several delinquent federal loans reporting on my credit. These accounts aren't mine.
Company Response:
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This is the 4th or 5th complaint I've been required to file around the PSLF program. The most current issue is that despite having received a document directly from FedLoan in XXXX with verification that all 120 qualifying payments had been made for the PSLF program and having qualifying employment, my PSLF approval continues to be delayed for no clear reason. My most recent attempt at getting approval began XX/XX/XXXX when I applied then received a message from XXXX on XX/XX/XXXX stating they didn't like my electronic signature so that same day I provided them with a new signature on the PSLF application. I received a message two weeks later XX/XX/XXXX from FedLoan again stating that they've received my PSLF application. Months passed and I heard nothing so I contacted FedLoan customer service on XX/XX/XXXX and inquired on the status of my PSLF application and expressed confusion over why it was taking so long to process when I had completed my 120 qualifying payments back in XX/XX/XXXX and FedLoan had already provided me with documentation of this. The FedLoan customer service staff told me that my PSLF application ''had been approved just that day and the letter was so hot off the press she couldn't even access it to read it ''. She stated that it was ''mailed out that day ''. I confirmed several times with her that it had been approved and she stated that the only reason '' FedLoan was unable to make the loan balance zero right now was that they needed Department of Education Approval first. '' Although this was a strange explanation and a literal ''check is in the mail '' response, I had no choice but to accept what information was provided. It's now been 10 days and I've received nothing, either electronic or paper on the status of my PSLF application. I should've been done with all of this in XX/XX/XXXX but here we are in XX/XX/XXXX still having everything drug out with zero explanation for why FedLoan continues to delay my PSLF.
Company Response:
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A