Date Received: 2020-09-26
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: This is the eight ( 8th ) time I have submitted the exact same question. I have not received a competent response. I have even been told that my request is a duplicate. IT IS NOT. ISSUE : Whether XXXX XXXX XXXX XXXX XXXX XXXX ( ERS ) a 501 ( c ) ( 6 ) non-profit qualifies under Public Service Loan Forgiveness ( PSLF )? ERS is a 501 ( c ) ( 6 ) not a 501 ( c ) ( 3 ) non-profit. All the responses have ignored that simple fact. It was previously determined that ERS provides " public safety ''. One response stated that it was not it's " primary purpose ''. In light of COVID ERS been determined to be an " essential service ''. Public Safety is the essence of ERS. I have filed a Freedom of Information Act request revealed that no list exists for what 501 ( c ) ( 6 ) employers qualify. See attached. Every response does not address the issue of WHAT IS THE STANDARD. I have been told to get ERS to complete the PSLF form but it only lists 501 ( c ) ( 3 ) status as a qualifier. The 10th anniversary for PSLF was XXXX and it has been a disaster. No one will make establish a standard that can be applied. Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN.GOV XX/XX/XXXX Closed Marked as a duplicate complaint on XX/XX/XXXX XXXX XXXX XXXX Federal student loan Struggling to repay your loan FedLoan.gov XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan Fed Loan XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Dealing with your lender or servicer FEDLOAN SERVICING XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Company responded
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Last year, I filled a request for deferment. FedLoan sat on the application for MONTHS but did not process it, resulting in late payments being recorded on my credit report. This is negatively affecting my credit score and in turn, is affecting my ability to get approved for an apartment. These late payments were at no fault to me, but due to the inability of the staff to perform their basic job functions appropriately.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was in a disaster forbearance due to covid-19. I requested another disaster forbearance due to being unable to pay. I am still looking for work. I reached out to my lender, AES, on XXXX XXXX a few days prior to a reported delinquency would occur. The representative that I spoke with processed my request, but didn't tell me I would receive a negative credit reporting while I wait. She did not advise me this over the recorded line. This is a devastating mark to my credit. I am requesting that this be reversed. I have attached proof of when I requested it and when I received notification back from the lender of a denial which was after my due date. I am requesting that the call be pulled to prove the representative did not advise me of what I needed to do in the interim while I waited to hear back. The representative was not pleasant either. Thank you.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Hey i have a problem. My account keeps having these loans on my account that I didnt take out and the times and dates they said I did is inaccurate. Its been more than 7 yrs and this XXXX is still on my report and I am requesting these student loans to come off my credit. I will keep writing letters and sending messages and emails and reaching out to the fbi and making a police report. I just want to be able to handle this responsibility. Thanks you
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Good Afternoon - How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: There are 3 payments that I made towards my qualifying payments that FedLoan should be counting but will not. I have sent them proof and documentation. I have been asking them since XXXX of XXXX XXXX a year ago ) to correct this, and every time I call they say it is " under review '' and " will be complete in 20 business days '' or sometimes " you have to submit this for review '' saying they have no idea per their records that I have requested a review, and will start the process anew. I have made *every single payment* sometimes at significant sacrifice to do do ( not heating my home in the winter for instance ) since it started in XXXX. My $ XXXX worth of loans are set to be forgiven in 6 weeks if they count all my payments ... which they still will not do. Obviously I'm getting more frustrated as that deadline approaches and I've worked hard to hold up my end of the bargain, they still won't count my payments despite frequent phone calls requesting they do so. Two of the last agents I spoke with ( XX/XX/XXXX and today XX/XX/XXXX ) promised to submit it for " expedited review '' that hasn't materialized. The issue is with 3 payments : one on XX/XX/XXXX when they sent me into forbearance against my wishes, and after years of me calling them they finally removed the forbearance - but they have still not counted my payment that month ; and 2 payments in XX/XX/XXXX and XX/XX/XXXX when my loans were transferred from XXXX XXXX, " because there is no bill '' and they refuse to generate a bill even though I have provided proof from my bank and XXXX XXXX that the payments were made. I can provide emails to support some of this, although most transactions were phone calls with written notes. I can also provide XXXX XXXX and bank account proof of payments if this will help your review, but I have already provided them to Fedloans so will not upload here.
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I would like to file a formal complaint against FedLoan for paid student loan payments that were reported as delinquent. This is an effort to correct the errors made to my student loan account. I am a XXXX and XXXX XXXX Veteran as of XX/XX/XXXX. Before that I had been going through a series of health and financial issues at reoccurring points. In XXXX I made a goal to rid myself of debt entirely because the payments were drowning me financially which had a negative impact on me physically and mentality. I took a job overseas and began my journey of removing myself from debt as well as seeking other sources for help as far as my physical/mental body. In the year of XXXX I made several payments to include excess payments as well. I have attached receipts showing my payments were made on time to Fed Loan. These receipts are all confirmations to my email because when I attempted to access my payment history on the FedLoan website I received an error message which I have also attached. I have attached screenshots of the error messages received under my account when I log-in to check my payment history. I no longer had access to that once my XXXX and XXXX XXXX XXXX Application was approved. During this process my credit score has been negatively impacted due to incorrect filing on the part of FedLoan. It has been reported my student loan payments were late for the following months ; XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. This was the period just before I submitted my application in XXXX. In XXXX I consistently made on time payments to FedLoan to include excess payments which are recorded on the receipts. My claim with the VA was approved on XXXX XX/XX/XXXX at which I was informed that the following steps should happen ( see below ) : VA Documentation If we determine that you are totally and permanently disabled based on documentation from the VA, XXXX will notify you that your loans and/or TEACH Grant service obligation have been discharged and instruct your loan holders to return any loan payments received on or after the effective date of the VAs disability determination to the person who made the payments. Based off of the supporting documentation I am supposed to receive a refund payment based of the effective date of the disability determination. I am led to believe this was intentional and ask for a third party to assist in the matter. It is disappointing to think a loan servicer would go so far as to ruin my credit after I had recorded on time payments for several years. I would have never known this mishap occurred if it werent for the credit monitoring subscription I keep handy. I have been avidly attempting to gain an exceptional credit score for a few years now. I feel as though any private company servicing the government should use more trusting companies when it comes to handling individuals debt obligations. For FEDLOAN to go back and record I paid late is a dishonest disservice to the American people who are heavily indebted.
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a XXXX XXXX XXXX with 5 complete years of full time service in a XXXX XXXX XXXX. I meet ALL of the criteria for a {$17000.00} reduction in my student loans and was denied. My application was completed accurately and I uploaded it correctly. I meet all other criteria as well. No additional information was provided to explain or justify the denial from Fed Loan Servicing. I have read countless stories from teachers nationwide who have experienced these very same frustrations. I have earned this XXXX loan forgiveness, and I am entitled to it, based on the requirements that Fed Loan Servicing set forth. I would like this resolved as soon as possible.
Company Response:
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am currently enrolled in the Public Student Loan Forgiveness Program. In fact, the only reason I was able to attend XXXX XXXX, earning my XXXX XXXX in XXXX XXXX XXXX XXXX and a certificate in XXXX, was because I knew that this program existed. Since I am a first generation college XXXX, I assumed that this was my only option. I had an excellent GPA and was awarded meager scholarships, which still landed me with a debt that has now accumulated to almost {$180000.00} ( thanks to interest! ). Sadly, I worked multiple jobs throughout college and graduate schools to keep myself afloat. In order to qualify for the PLSF, I have had to take a number of jobs with very low pay compared to the private sector in my field. I justified these career choices because there was no other way, short of winning the lottery, that I would be able to pay off my enormous student debt. I have worked in XXXX XXXX XXXX XXXX and found myself in dangerous situations on the job. I have been physically attacked by a XXXX while at work. Not the kind of work I had expected to find myself doing as a XXXX. Now, due to COVID-19 ( a presidentially declared disaster ), I have been laid off my job as a XXXX at a XXXX. All these months since I have lost my job have not counted towards PLSF because of their requirements. I have worked tirelessly to secure another qualifying job without success. Trying to find a government job or non-profit role during a pandemic is next to impossible. But if I go and work for the private sector, I will not be able to qualify for loan repayment, and no job will pay me anywhere the amount I would need to pay off {$180000.00} of debt. I believe that I should not be penalized for the time that I have lost, and continue to lose, while trying to continue to meet the qualifications for PLSF. As it stands, I still have 6.33 more years left in the program. I have already sacrificed and pushed my life back in so many ways due to these loans. I do not have a house or even think that it is possible for me to be able to buy one in the near future. I have not had children due to the burden. I have not been able to have a wedding. The longer time ticks away and I dont have a qualifying job to count towards those 6.33 years I have left, the longer I lose more. And for what? I went to school to earn a degree in a field that I already knew wasnt the highest paying because I had a dream of helping people. I want to ease peoples pain, and more importantly, work towards addressing the problems with ageism in our healthcare system and society at large. I had a noble goal. I paid {$16000.00} extra to earn that certificate in XXXX, only to find out once I entered the real world that jobs in this sector are far and few between. The funding for older adult XXXX XXXX is so miniscule its absurd. Im hoping someone will hear how ridiculous this situation is and offer some kind of support, for me and for everyone else that is stuck in this condition. I know I am not the only person experiencing this life. I hope the government will realize that at the very least this time should not count against those that lost their qualifying PLSF jobs due to COVID-19. I would love to be working at my job still, but thats not possible. It no longer exists, but my loans do.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A