Date Received: 2020-10-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have worked in public service since XX/XX/XXXX. I have not changed jobs. It has ALWAYS been my goal to utilize the Public Service Loan Forgiveness Program. Beginning in XX/XX/XXXX, with the exception of a 2 year deferment while obtaining my XXXX XXXX XXXX, I have paid every single student loan payment on time and in full via direct debit. If you're doing the math, I should have been eligible for forgiveness late last year at the end of XXXX. However, my account was still in complete chaos, as it had been for almost a whole year, after being involuntarily switched to XXXX for servicing. I had no idea what my standing was within the PSLF program and my repayment options were suddenly changed for the worse. Only now, the fall of XXXX am I able to view my " progress '' towards PSLF on their website. To my horror, I have XXXX " ineligible payments '' towards PSLF. That is over XXXX years worth of payments that are, in my eyes, WASTED. My previous servicer, XXXX, never made it clear that my repayment options were not eligible for PSLF. And now that I am married, PSLF is centered around income-driven repayment options, thereby significantly increasing my payment. My husband has never contributed to my student loan debt and it is horribly unfair to be given a repayment option that is literally 37 % of MY income.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: FED Loan is showing me missing payments after I had applied and was approved for a forebearance and was told that once it was submitted, complete then my payments for those accounts would be corrected. It is showing as missed even though I had been approved.
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I submitted an application verifying my employment on XXXX XXXX, 2020. I received a response from FedLoan on XXXX XXXX, 2020 informing me that the form was missing required information. I reviewed the form that I provided to FedLoan, and it has the required information. ( FedLoan has a feature where the customer can review previous file uploads. ) I've since resubmitted the form, but I'd like to ensure that the form is properly reviewed.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: FedLoan Servicing notified me that I was required to submit the annual recertification for the IDR plans on my federal student loans. I timely did so, but have since learned from the U.S. Department of Education that this was a false and misleading demand -- as, due to COVID-19, the deadline to recertify IDR plans has been extended for at least 12 months. This means, for example, if I was scheduled to recertify on XXXX XXXX, XXXX, I was not required to recertify until XXXX XXXX, XXXX. And because of FedLoan 's false recertification demand and threat to take me off the IDR plans, my new calculated IDR payment is much higher than if they would have let me know that I was not in fact required to recertify for at least another 12 months. Because of their deceptive notification and practices, I demanded that FedLoan roll back my recent recertification and put my previous monthly amount back in place -- but they refused to do so. I hope that CFPB can hold them accountable for this.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XXXX of XXXX I spoke with MyFedLoans regarding loan payments from : XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX According to MyFedLoans, these loan payments were NOT marked as qualified towards the 120 payments towards the PSLF program even though I made student loan payments during those months. I was told to call back to follow up on this request. I have been calling at least once every month and STILL have been given the same response : that these payments are " under review '' and to call back to check on the status. It is completely unacceptable for FedLoan Servicing to continue to have this response when it has been close to a year now ( I write this in XX/XX/XXXX ) and I STILL get the same response. I greatly appreciate all your help and time of this review as I want to bring attention to this matter that FedLoan Servicing needs to be held accountable AND responsible for getting back to loan payers in a timely manner. Again, thank you for your help and time.
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: FedLoan has incorrectly held my XXXX payment as " ineligible '' towards my Public Sector Loan Forgiveness payments. It alleges my payment was made outside of the 15 day window of when it was due, however, my payments are always due on the XXXX of the month and my payment was made on the XXXX of XX/XX/2019. Therefore, my payment was made within the 15 day window. I would like this corrected immediately. I have attached screenshots, the payment history, and the XXXX billing statement to show the due date of the XXXX.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by AES/XXXX actions. I need you to take this matter seriously, and send me a response. I was to get a deferment DUE TO COVID-19, which was not given to me. I have been through a difficult ( overwhelming situation ) due to this virus. Accounts involved are the following : 1 ) Account # XXXX, opened XX/XX/2005, original balance {$10000.00}. 2 ) Account # XXXX, opened XX/XX/2005, Original Balance {$21000.00}. AES has committed the following violations : 2. Unfair business practices. 3. Reporting discrepancies across bureaus. 4. Failing to mark account as disputed. 5. Failing to provide fair customer service. 6. Negligence. 7. Breach of contract. 8. Reporting incorrect and inaccurate information. I want both late payments removed from my reports. Please send the attached documents to the company.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: AES has outfitted duplicates of the front conclusion of the two-sided Application and MPN, and isolated duplicates of what may well be the back closes of any persons archives. Besides, nothing joins these duplicates dependably together. There's no data on the partitioned duplicates of the back closes that relates them dependably with the front closes of the application and MPN reports. The MPN given shows up to be falsely combined together as one. The Master Promissory Note ( MPN ) must contain 8- pages which consolidate an itemized list of the whole sums dispensed amid my time at college. The MPN combines partitioned notes as in case it were the initial duplicates, showing up as one MPN. The data given by AES shows an MPN from XXXX embraced in XXXX at XXXX XXXX XXXX XXXX. Commonly, MPNs incorporate the central sums lent ; in any case, the 2nd portion shows an application for an MPN marked in XXXX with 2 central sums. The XXXX, AES, claims it holds legitimately official MPN. Thus, AES is capable for approving such claims and the comparing financial requests. In agreement with case law, ( as appointees, the XXXX XXXX and other auxiliary holders step into the shoes of the loan specialist from whom they have taken the MPN notes and are subject to any guards that the student/obligee may state against the assignor/lender. See XXXX v. XXXX XXXX of Washington, 788 F. Supp. 1233, 1248 n.9 ( D.D.C. 1992 ), reversed on other grounds, 27 F.2d 573 ( D.C. Cir. 1994 ), vacated, 515 U.S. 1139, on reconsideration, 59 F.3d 354 ( D.C. Cir. 1995citing ) Ensure and Divulgence Articulation. The Application and MPN money related help archive does not confirm with certainty that the money related help candidate will get or has gotten any advance sum at all. In case the candidate does not get any credit sum, at that point there's no duty or obligation commitment. On the off chance that AES keeps up that loaning and borrowing exchanges happened, AES must supply significant marked reports that sum to legitimately authoritative obligation disobedient and unrestricted guarantee to pay. On the off chance that AES is the concrete legitimate proprietor of the affirmed obligation ; additionally, AES must have the first, completely qualifying MPN archives in its ownership. AES client has yielded duplicates of the front conclusion of the two-sided Application and MPN reports, and partitioned duplicates of what may be the back closes of any persons reports. Subsequently, nothing interfaces these duplicates dependably together. There's no information on the partitioned duplicates of the switch closes that connects dependably with the front closes of the Application andMPN documents. Based on the accessible data, the records were made after I pulled back from college without the presence of the comparing loaning and borrowing exchanges or any other important reports. Such inside record making does not make obligation, the halfway, front-end duplicates of the Application and MPN, AES has outfitted, are money related help applications. Based on the accessible data, qualifying MPN in this case don't exist Instep, AES sent halfway duplicates of records, that were made from halfway duplicates of reports. If you don't mind guarantee not to send one-sided copies, so that you simply create separate duplicates of the front and back conclusion of the initial archives. Essentially, if it's not too much trouble don't send two-sided duplicates that are made from duplicates. Such duplicates can be arranged by putting together two sheets of paper and photocopying both sides as in case it were one record. Such abuse is identical to fraud. Amid the period I gone to XXXX XXXX XXXX, I did get budgetary Help which inclincluded the XXXX XXXX XXXX XXXX loans.Be that as it may, I didnt realize that there was a necessity to sign this letter at the time. It shows up as in case XXXX XXXX shows I acknowledged these reserves for instruction, at that point AES recovered the data and begun collecting installments for which I didnt get at college. In expansion, I didnt get an affirmation from AES that XXXX XXXX given installment. Moreover, not included within the ask, was a credit beginning record. Additionally, XXXX given an grant letter that wasnt drafted accurately. This grant letter, included a money related help letter without a signature. After I cleared out college, I gotten a letter from XXXX asking to sign documentation to affirm the credit will pay for college. I marked the record since I thought this was the record to sign for the XXXX XXXX XXXX XXXX credits. The benefit at that time was XXXX, XXXX and XXXX. For the past a few a long time, I paid AES/XXXX XXXX a month to month sum. I requested an MPN from the company. They furnisThey outfitted data ; in any case, this was embraced after I left college. I inquired AES to kill this trade-line from my credit report ; all things considered, XXXX and XXXX permitted the previously mentioned on my credit report. I asked marked credit data some time recently I begun school in XXXX AES fizzled to supply a marked School Certification or MPN. For that reason, I would like to have all the installments discounted that I paid to XXXX XXXX XXXX within the sum of {$16000.00}. In like manner, I ask that AES client outfits duplicates of the taking after archives : 1 ) Correct duplicates of the first records that illustrate that understudy credit loaning and borrowing exchanges did take put and the coming about obligation exists. Therefore, please have each document notary certified, expressing that : 2 ) The record is the precise copy of the initial archive, not a duplicate of a duplicate 3 ) The duplicate was made within the nearness of the public accountant who certifies it. 4 ) Which company or organization as of now hcurrently holds the original document. In summary, the information provided by AES doesnt provide a valid Master Promissory Note, Award Letter, School Certification letter, Notice of Loan Guarantee, or disbursement, nor a receipt from American Education Services paid to XXXX XXXX XXXX, and no receipt from XXXX XXXX.
Company Response:
State: NC
Zip: 28326
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: We recently discovered that FedLoan Student loans for XXXX XXXX XXXX had been paid in full as of XX/XX/XXXX, we had no idea that there was a XXXX balance. We did not receive any communication regarding the paid in full notice or that we had been paying on an account that had been paid off. We have paid every month through online bill pay with our bank as an automatic payment-we have full records on the payment history and bank statements. I was checking our credit reports earlier this year ( XX/XX/XXXX ), and noticed that all the student loan accounts had XXXX balances. I reached out to FedLoan to ask questions about my account and to verify that the information reported on the credit report was correct. We were told at that point there was no history on our account due to it being paid off since XX/XX/XXXX. No payments had been posted and no notations were made that our payments were still being received and posted to an account. The timeline of events is as follows : XXXX finished his XXXX XXXX through XXXX College-Online. He received his diploma. XXXX-Later that same year we were notified that XXXX College was closing due to fraudulent admission systems and processes. XXXX XXXX-We received a refund check from the US Dept of Education. We knew there was a lawsuit and that they closed due to fraud so we figured that this refund was linked to the lawsuit and the closure. Fast forward to XXXX XXXXchecking the credit reports for scores and accuracy as we do every year-noticed XXXX XXXX loan amounts were XXXX, so we began investigating. XXXX called FedLoan-did n't get through due to high call volume due to Covid-reduced worker capacity and reduced call center hours. XX/XX/XXXX-after trying to call, logged into the online portal for XXXX-there was no account info available, no statement/payment history, all accounts showed XXXX balances. Emailed the contact us address to ask questions. XXXX-began an online chat with agent ( XX/XX/XXXX-agent ID XXXX ) to ask about account statements/balances/account history and dates that the account had been paid off. XXXX stated that the loans had been paid off since XX/XX/XXXX. He also stated that there was a PAID IN FULL letter EMAILED XX/XX/XXXX. He said the letter was emailed due to the online preferences for paperless account correspondence. We never received the emailed paid in full letter. XXXX-After the online chat, XXXX called in to speak to someone about our issues and concerns. He was told that the account was paid in full-no balance was due. After giving the call center rep the story of what was going on and the we had all the payment history and bank statements ( records dating back to XXXX ) showing the payments were sent, accepted, and posted by FedLoan, we were told that the payment address had changed. The payment address for the PO BOX in XXXX was the old address-the date or any history on the payment address changing was not provided/it was not known by the agent on the phone. No further info or insight from that call. Bank records show same payment address from XXXX ( when we stopped payment after discovering the issue ). XX/XX/2020-called into FedLoan again to ask about how to find out where our payments were getting posted and to get our money back. We told there was nothing to do except upload our documents to the online portal with a timeline of events and they would be reviewed and we would be notified about the resolution. I pushed and kept asking for a physical address-where we could mail our statements and track receipt with overnight XX/XX/XXXX with signature. We were told there was no physical address to mail anything to. Finally got a supervisor over the phone, XX/XX/XXXX-employee ID XXXX, she said I could email them to her directly and she would be waiting for it. I emailed all of our documents in to the email XXXX ( I never heard a word from her after that ) I asked to be notified that the email and attachments were received-I didn't hear back until XX/XX/XXXX. XXXX-an online account message was posted. The letter stated the following-XX/XX/XXXX XXXX XXXX : This notice confirms we received your correspondence or request on XX/XX/XXXX. The correspondence we received may be, but is not limited to one or more of the following : A Request to update or change your record Documentation supporting a repayment, deferment, or forbearance request. Documentation requesting information about your account. Next Steps There is no action needed from you at this time. Once we complete our review, we will send you a notice detailing the outcome of your request. XXXX-I sent in a request for an update via the online portal since there had been no information communicated since XX/XX/XXXX. XXXX-An automated response was posted. It read as follows : XXXX XXXX XXXX : This notice confirms we received your correspondence or request on XX/XX/XXXX. The correspondence we received may be, but is not limited to one or more of the following : A Request to update or change your record Documentation supporting a repayment, deferment, or forbearance request. Documentation requesting information about your account. Next Steps There is no action needed from you at this time. Once we complete our review, we will send you a notice detailing the outcome of your request. As of XX/XX/XXXX we have not received anything regarding the investigation, what account the checks were posted to, how anything is being handled, nothing.
Company Response:
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I consolidated my student loans in XX/XX/XXXX with the US Department of Education. On XX/XX/XXXX, I received an account statement indicating that my first payment was due on XX/XX/XXXX. On XX/XX/XXXX, I received a billing statement from XXXX XXXX my servicing company, indicating my first payment of {$190.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I made my first payment to XXXX XXXX of {$190.00} and established an EFT draft to save on interest. As a result of this EFT draft, I paid the following amounts to XXXX XXXX for my student loans : XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$110.00} After submission of my Employment Certification Form, I received an updated number of qualifying payments which led to a call to my current servicing company, Fed Loan Servicing. On XX/XX/XXXX, I was notified that my account was in forbearance from XX/XX/XXXX until XX/XX/XXXX. Upon their suggestion, I uploaded the statements received which don't indicate forbearance. I have called several times for an update on the status of the payments. In XX/XX/XXXX, I submitted my application for forgiveness but was denied because records indicate I have only made 117 qualifying payments. I was told that submitting my application would fast track my review as it had already been approximately six months with no clarity. In XX/XX/XXXX, I have called to check the status of said payments and they are still under review. I have contacted Federal Student Aid, and Dept. of Ed with no success.
Company Response:
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A