Date Received: 2020-09-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello, I am in the Public Service Forgiveness Program. FedLoans, my lender since XX/XX/XXXX, needed to look though archived payments from previous lenders ( prior to XX/XX/XXXX ) to have eligible payments I made count towards the 120 needed payments for the PSLF program. Thus I submitted a review with FedLoans on XX/XX/XXXX. I was initially told the review would take 3 months. It has now been over 15 months and they have not completed the review! I called today and they said it could even take 2 years! I am now 105/120 payments into the PSLF program and I would like to have an updated, accurate count of my loans as I am getting closer to eligibility. Per my records I began in IBR on XX/XX/XXXX so those payments should indeed count. They told me there is no other way to receive further updates and I just have to wait for them to tell me they have been reviewed. Thank you
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was given incorrect information regarding my loan forgiveness and was told that I could receive XXXX loan forgiveness on my FFEL loans while pursuing public service loan forgiveness on my Direct loans. The loan servicers, fedloan and AES, have BOTH contacted me via email saying that I could pursue both programs concurrently, but I had a 3+ hour phone conversation with three different lenders who told me that I could NOT pursue both concurrently. My initial request was denied because the servicer could not read section 5 of my application, and I left it alone/requested cancellation once I found out that I would mess up my PSLF progress. I received an email on XX/XX/2020 stating that my FFEL loan was in forbearance for review of the TLF application which I did not submit. I was told there was no application in process and I requested that the company stop processing any application. I have yet to receive ANY correspondence on the matter that is relevant besides the irrelevant email answer I received with incorrect information. I am disgusted at the lack of correct guidance that these companies gave me and lack of accountability. When I initially brought up the incorrect email info with fedloan, they simply said " oh, we can send you an email with the correct info ''. No apology, no offer to correct or clarify the process for the future. These companies are out to XXXX over the typical, responsible consumer, and I am appalled at the care I have received. I work very hard in a low paying XXXX job in a poor area so I can receive some respite for my astronomical amount of loan that I was conned into as a young, naive teenager. The least I could request is that someone actually CARE and be helpful when I ask seemingly simple questions. I wish I could pick another servicer and was not stuck with these robotic, uncaring companies.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2020-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2020-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: FedLoan Servicing reported me as missing my payments in XXXX, XXXX, and XX/XX/XXXX. This was put on my credit report. I was a student at the University of XXXX at the time and my enrollment was at least half time. My federal loans should have been in school deferment. I talked to Fedloans over the phone and sent them a letter on XX/XX/XXXX and sent them documentation that I was elegible for in school deferment durring the times that if was reported that I missing payment. Fedloans responded with a letter dated XX/XX/XXXX which stated they had sent the corrected information to the comsumer reporting agencies to wich the incorrect information was previously reported to. However this infomation is still on my credit report.
Company Response:
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XX/XX/XXXX Mr. XXXX XXXX XXXX, President and Chief Executive Officer Pennsylvania Higher Education Assistance Agency ( PHEAA ) XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX Business Phone : XXXX Dear Mr. XXXX, This letter hereby provides personal- and professional notice of XXXX XXXX XXXX ( hereinafter, Borrower ) request for full and complete correction of FedLoan-PHEAAs ( hereinafter, PHEAA ), express agent ( s ) of U.S. Department of Education and Secretary of U.S. Department of Education , XXXX XXXX XXXX XXXX and knowing repeated ( XXXX ) demand ( s ) for seven student loans repayment in perpetuity i.e. repayment until death of Borrower with associated false representations PHEAA made in support of said clearly unlawful demand ( s ). Borrowers Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX, filed- and PHEAA-received XXXX XX/XX/XXXX, is considered prior notice to PHEAA , U.S. Department of Education , et al. of issues herein. Timely response would, therefore, include all corrections completed with copies proving said correction to Borrower via U.S. mail within 15 calendar days of receipt of herein notice. PHEAA-DEPARTMENT OF EDUCATIONS KNOWING AND WILLFUL EXPRESS DEMAND FOR BORROWERS STUDENT LOANS REPAYMENT-IN-PERPETUITY, WITH FALSE REPRESENTATIONS PUBLICATION TO THIRD PARTIES ( CRAs, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) AND TO THE U.S. GOVERNMENT ( NSLDS, CFPB, ET AL. ) INCLUDING E.G. BORROWERS STUDENT LOANS ENTERED REPAYMENT XXXX XX/XX/XXXX ; PAST DUE AND MISSED PAYMENT ( S ) ; KNOWING AND WILLFUL PHEAA MISALLOCATION OF UNINTERRUPTED $ XXXX/MONTH PAYMENT FROM XXXX XX/XX/XXXX TO PRESENT-AUGUST XXXX, TO CREATE UNDERPAYMENT OF FIVE OF SIX LOANS WITH SIMULTANEOUS OVERPAYMENT OF SIXTH LOAN WITH LOANS UNDERPAYMENT FALSE REPORTING ; AND REITERATES VIA EXPRESS PUBLICATION BORROWER OWES BUT FAILS TO REPAY A SEVENTH LOAN FOR {$20000.00} NEVER DISBURSED/ZERO BALANCE/CANCELLED XXXX XX/XX/XXXX. A. PHEAA EXPRESS ADMISSIONS ( EXHIBIT 1. through EXHIBIT 10. copies provided on XXXX enclosed ). Borrowers loans in repayment to PHEAA are all fixed interest rate, original balance total is {$76000.00} ( i.e. {$15000.00}, + {$10000.00}, + {$20000.00}, + {$10000.00}, + {$8300.00}, + {$12000.00} ). Borrower graduated XX/XX/XXXX from law school and said loans Entered Repayment XXXX XX/XX/XXXX under Standard Loan Repayment Plan ( EXHIBIT 5. and EXHIBIT 6. ). To date, Borrower has completed ( from XXXX XX/XX/XXXX through and including XXXX XX/XX/XXXX XXXX XXXX Standard Loan Repayment Plan uninterrupted, timely/no late, $ XXXX/month grouped account payments, total paid about, {$100000.00}, balance outstanding about, {$14000.00}, per FedLoans XX/XX/XXXX hardcopy monthly billing- and account status statement sent via U.S. mail, EXHIBIT 1. ; dated banks records showing monthly personal check ( s ) electronic withdrawals by PHEAA, EXHIBIT 2 . ( XX/XX/XXXX, example ) ; U.S. Express Mail FedLoan-signed-receipts of monthly payments, EXHIBIT 3. ( XX/XX/XXXX, example ) ; and, FedLoans letterhead copies of Borrowers account fromXX/XX/XXXX-XX/XX/XXXX EXHIBIT 4. Exhibits examples are representative of evidence supporting XXXX payments made by Borrower. Standard Loan Repayment Plan is defined : 34 C.F.R. 685.208 Repayment plans. ( a ) General - ( 2 ) Borrowers entering repayment on or after XX/XX/XXXX. ( i ) A Direct Subsidized Loan, a Direct Unsubsidized Loan, or a Direct PLUS Loan that was made to a graduate or professional student borrower may be repaid under - ( A ) The standard repayment plan in accordance with paragraph ( b ) of this section ; ( b ) Standard repayment plan for all Direct Subsidized Loan, Direct Unsubsidized Loan, and Direct PLUS Loan borrowers, regardless of when they entered repayment ... ( 1 ) Under this repayment plan, a borrower must repay a loan in full within ten years [ 120 months ] from the date the loan entered repayment by making fixed monthly payments. ( 2 ) A borrower 's payments under this repayment plan are at least {$50.00} per month, except that a borrower 's final payment may be less than {$50.00}. [ emphasis added ] Contrary to PHEAAs assertion XXXX XX/XX/XXXX to CFPB, under Standard Loan Repayment Plan PHEAA knows or should have known PHEAA lacks authority to alter monthly payment amount from {$1000.00} to {$1000.00} ( a difference of about $ XXXX/year or about {$0.00} total for 16 months maximum remaining under Borrowers Standard Loan Repayment ) for Borrowers account in good standing, said account solely consisting of fixed interest rate federal student loans. According to PHEAAs EXHIBIT 5. ( XXXX XX/XX/XXXX ) and EXHIBIT 6. ( XXXX XX/XX/XXXX ) loan officials letters, at $ XXXX/month PHEAA-established monthly payment, Borrowers loans will be paid-in-full prior to 120 months repayment deadline ( EXHIBIT 5. third paragraph bullet points ). B. PHEAAs False Representations Publication to U.S. Government : National Student Loan Data System ( NSLDS ), Consumer Financial Protection Bureau ( CFPB ), et al. ; and Credit Reporting Agencies ( CRAs ). 1. PHEAAs Amount Remaining False Representation ( s ) Publication to U.S. Government National Student Loan Data System ( NSLDS ), CRAs Borrowers credit reports, and CFPB in PHEAAs Company Response dated XXXX XX/XX/XXXX. On or shortly after XXXX XX/XX/XXXX, PHEA initially falsely represented in NSLDS that Borrowers Amount Remaining ( after 96/120 months uninterrupted, timely, $ XXXX/month repayment ) is more than {$120000.00}. As quoted below, and PHEAA publishes in NSLDS, CRAs Borrowers credit reports, and to the U.S. Consumer Financial Protection Bureau ( hereinafter, CFPB, complaint # XXXX, filed XXXX XX/XX/XXXX, PHEAA company response XXXX XX/XX/XXXX, copy on NXT flash-drive enclosed ) stating : The Amount Remaining for each loan ( as referenced in your Exhibit 6 [ NSLDS ] attachment ) is calculated by adding the amount you have paid ( in principal and interest ) to the remaining principal and interest balances that you continue to owe as of a specific date. As an example, for loan sequence 5 [ original balance, {$15000.00} ], the document shows that you have repaid a total of {$19000.00} ( in principal and interest ) and that you continue to owe a remaining principal and interest balance of {$4000.00}, as of XX/XX/XXXX ( the date referenced on the document ). By adding these two figures together, you arrive at the Amount Remaining of {$23000.00}. Please be assured that the figures represented have been calculated accurately. By applying this explanation to the other five ( 5 ) loans, you may determine that the remaining amount of principal and interest ( already paid and currently owed ) was {$120000.00} as of XX/XX/XXXX. No additional debt has been added to your account. In addition, the credit reporting process is set up to report both principal and interest balances. [ emphasis added, not in original ] PHEAA falsely represents in NSLDS and CRAs that Borrowers NSLDS grouped six loans account Amount Remaining is {$120000.00} on XXXX XX/XX/XXXX. Per PHEAAs definition Borrowers Amount Remaining can never be paid-in-full/zero balance and said Amount Remaining can only increase with time despite Borrowers timely uninterrupted repayment. As shown in NSLDS ( CFPB complaint EXHIBIT 6. ) in Repayment Progress, on XXXX XX/XX/XXXX, PHEAA reports all Borrowers loans between 82 % -94 % Paid Off, consistent with PHEAA 's express ADMISSIONS. Nonetheless, PHEAA self-contradicts in same NSLDS report " Repayment Progress '' section with the Amount Remaining being reported more than 120 % the amount Paid Off. No court of law may reasonably uphold PHEAAs transparently extortionate mathematic-no-sense false representations, transparent defamation per se for extortion of student loans repayment in perpetuity or until death of Borrower. C. PHEAAs Repayment Entry Date : XXXX XX/XX/XXXX, false representations publication to U.S. Government National Student Loan Data System ( NSLDS ) and to CFPB in PHEAAs Company Response dated XXXX XX/XX/XXXX ; and to NSLDS professional-access foreseeable republication ( EXHIBIT XXXX. ) to University XXXX XXXX XXXX XXXX XXXX. In direct contradiction of PHEAAs express admissions, herein Part A. EXHIBIT 1., and EXHIBIT 4., PHEAA falsely represents in NSLDS that all Borrowers loans Entered Repayment XXXX XX/XX/XXXX, EXHIBIT 7. PHEAA, thereby, knowing and willfully falsely represents that Borrower made only four monthly payments from XX/XX/XXXX through XX/XX/XXXX, thereby supporting PHEAAs false representation that Borrower owes {$120000.00}. In direct contradiction PHEAA EXPRESSLY ADMITS only {$14000.00} balance outstanding in EXHIBIT 1. and EXHIBIT 4.. PHEAAs letterhead EXPRESS ADMISSION Borrowers Financial Activity Summary, dated XXXX XX/XX/XXXX, EXHIBIT 4., shows 101/120 payments made timely uninterrupted from XXXX XX/XX/XXXX through and including XX/XX/XXXX. XXXX falsely represents that PHEAAs unilateral unlawful Administrative Forbearances and Deferment permit alteration of Entered Repayment Date. Borrower respectfully asserts under penalty of perjury that from XXXX XX/XX/XXXX to PresentXXXX XXXX, no Deferment or Forbearance was either Borrower requested or Borrower assented. Borrower asserts under penalty of perjury that no Identity Theft claim or application for Income Based Repayment was made. Absent lawfully-required Borrowers request- and assent to Forbearance and Deferment PHEAA is in plain violation of 34 C.F.R.682.211 and 34 C.F.R.685.204. PHEAAs action to knowingly and willfully falsely represent Entered Repayment Date XXXX XX/XX/XXXX is in unquestionable violation of the GA Data Provider Instructions [ for NSLDS ] Appendix A : Data Dictionary, Version 6.0, XX/XX/XXXX, page A-97 stating [ re Date Entered Repayment ] : This date should not be modified as a result of deferments, forbearance, or repurchase. Once the loan [ s ] has [ have ] entered repayment, this date should not be changed, except to correct an error. ( Do not replace an original Date Entered Repayment with the date associated with a new loan, or the date the borrower resumes repayment after deferment, forbearance or repurchase. ) https : //ifap.ed.gov/nslds-reference-materials/061920GADataProviderInstructionsV6https : //ifap.ed.gov/nslds-reference-materials/061920GADataProviderInstructionsV6, last viewed XXXX XX/XX/XXXX. D. PHEAAs repeated attempt to unlawfully obtain repayment for {$20.00} loan never disbursed to Borrower, balance zero. PHEAA also apparently falsely misrepresents in the professional [ law school official accessible, provided Borrower by law school Financial Aid Official ] NSLDS Borrowers account that two Direct Stafford Unsubsidized loans were PHEAA- combined ( code, D2 ) EXHIBIT 7. The false representation is that the second loan PHEAA unilaterally combined was never disbursed to Borrower, zero balance/cancelled XXXX XX/XX/XXXX. The loan period falsely represented in in EXHIBIT 7., XXXX never existed for said loan. There exists no reason but for extortion for PHEAA to combine one loan disbursed with a second {$20.00} loan, zero balance, cancelled, never disbursed, while simultaneously reporting said never-disbursed-loan is Deferred, thereby PHEAA making a U.S. government database ( s ) published demand for second loans repayment never received/not owed, extortion per se. In XXXX PHEAA prior falsely represented to CRAs Borrowers credit reports that said never-disbursed/zero balance loan for {$20000.00} was Special Payment : Payment Deferred until XX/XX/XXXX ; Terms : Payment Deferred ; Pay Status : Paid or Paying as Agreed, EXHIBIT 8. Letterhead letter, EXHIBIT 5., dated XX/XX/XXXX, signed by XXXX XXXX , Senior Vice President Loan Operations and Client Relations, on page 1, paragraph 6 states : Separately, a request has been sent to the consumer reporting agencies to ensure the removal of Loan Sequence 4 ( refer to enclosure ) [ {$20.00} never disbursed to Borrower , paid in full ], so that it will no longer be reflected in your credit report. Now in NSLDS EXHIBIT 7., PHEAA XX/XX/XXXX expressly demands repayment of said $ XXXX balance loan. No one may either Defer or combine for repayment a loan never disbursed/cancelled/zero balance but for extortion. E. PHEAAs false representations publication to Consumer Reporting Agencies Borrowers credit reports with republication to XXXX XXXX XXXX, XXXX XXXX, denying Borrowers de minimis credit application. XXXX ( XXXX XX/XX/XXXX ) falsely expressly represents Borrowers FedLoan [ grouped-six loans ] payment ( s ) are Past Due, EXHIBIT 9. XXXX ( XXXX XX/XX/XXXX ) reports repayment entry XX/XX/XXXX or XX/XX/XXXX [ not actual EXHIBIT 4. repayment entry : XXXX XX/XX/XXXX ] with Terms Duration : 120 months not actual about 16 months ; Actual Payment Amount less than Scheduled Payment Amount : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; No Data Available : XX/XX/XXXX, XX/XX/XXXX, EXHIBIT 10. XXXX deleted all Borrowers credit report PHEAA-FedLoans tradelines. XXXX stated PHEAA tradelines were deleted because XXXX was after investigation unable to verify accuracy the information PHEAA reported or words to that effect. F. Defamation is defined in 28 U.S.C. 4101. Definitions. In this chapter : ( 1 ) Defamation. The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person. ( 2 ) Domestic court. The term domestic court means a Federal court or a court of any State. Here, as an officer of the court/attorney, Borrowers law license is predicated on financial responsibility mandated by ethics rules and state law ( Mass. Gen. Laws Ann. Ch. 30A13 ). PHEAAs false representations elaborated herein directly jeopardize Borrowers law licensure and law practice. H. PHEAAs false representations defamation to obtain money not owed extortion per se. Attempt to obtain payment not owed using publication of false representation ( s ) /defamation knowingly and willingly, thereby, unquestionably intentionally, resulting in foreseeable harm is defined in 18 U.S.C 875. Interstate communications. ( d ) Whoever, with intent to extort from any person, firm, association, or corporation, any money or other thing of value, transmits in interstate or foreign commerce any communication containing any threat to injure the property or reputation of the addressee or of another or the reputation of a deceased person or any threat to accuse the addressee or any other person of a crime, shall be fined under this title or imprisoned not more than two years, or both. Here, PHEAAs false representations to NSLDS, CRAs, other third parties, and Borrower clearly involve both wire- and/or U.S. mail across state lines, evidence the court will clearly find to be U.S. mail fraud ( 18 U.S.C. 1341 ) and U.S. wire fraud ( 18 U.S.C. 1342 ) for said alleged extortion. I. Remedial options available to Borrower. From XXXX-Present-XX/XX/XXXX, Borrower has through numerous formal complaints to the CFPB and other extra-judicial authorities sought legally mandated accurate/not misleading with correction of plainly false repayment reporting by Department of Education-PHEAA required by law. Department of Education-PHEAAs responses to said complaints per Borrowers student loans records show that from XXXX to Present-XXXX XXXX Department of Education-PHEAA escalated repeated express demands for increasing repayment not owed, e.g. XXXX XX/XX/XXXX, Amount Remaining, {$120000.00}. Simultaneous to said demands, Department of Education-PHEAA expressly ADMIT ( S ) no late or underpayment with repayment ( XXXX XX/XX/XXXX through and including XX/XX/XXXX ) of loans ahead of Standard Loan Repayment schedule, evidence indication of PHEAAs knowing and willful, i.e. intentional fraud. Another proximate consequence of Department of Education-PHEAAs said knowing and willful clearly false representations is Borrower currently faces loss of ability to obtain even de minimis credit at reasonable rates, adversely affecting every aspect of Borrowers life including housing. No rational human would, and neither will Borrower, uncontested in a court of law willingly repay in perpetuity extortionate debt PHEAA expressly ADMITS is not owed, defamation/libel for extortion per se. Neither will Borrower indefinitely continue making extra-judicial formal requests for Department of Education-PHEAA false representations corrections when said requests are inevitably followed by additional escalating injurious false representations including PHEAAs admitted check fraud theft ( CFPB complaints XXXX submitted XXXX XX/XX/XXXX ). In short Borrower seeks enforcement of Federal Family Education Loan Program ( FFELP ) rules and regulations ( 34 C.F.R. 682.100-682.800 ), not to vary them. Absent Department of Education-PHEAAs prompt action to fully and completely correct with absence of any further injurious falsehoods publication such as those herein described, Borrower has no choice but to seek through ( Dodd-Frank Act 5 U.S.C. 702. Right of [ judicial ] review ) : A person suffering legal wrong because of agency action, or adversely affected or aggrieved by agency action within the meaning of a relevant statute, is entitled to judicial review thereof. An action in a court of the United States seeking relief other than money damages and stating a claim that an agency or an officer or employee thereof acted or failed to act in an official capacity or under color of legal authority shall not be dismissed nor relief therein be denied on the ground that it is against the United States or that the United States is an indispensable party. The United States may be named as a defendant in any such action, and a judgment or decree may be entered against the United States : Provided, That any mandatory or injunctive decree shall specify the Federal officer or officers ( by name or by title ), and their successors in office, personally responsible for compliance. Nothing herein ( 1 ) affects other limitations on judicial review or the power or duty of the court to dismiss any action or deny relief on any other appropriate legal or equitable ground ; or ( 2 ) confers authority to grant relief if any other statute that grants consent to suit expressly or impliedly forbids the relief which is sought. Harm to Borrower of PHEAA/Department of Educations published false representations is given in Borrowers CFPB Complaint filed and PHEAA received XXXX XX/XX/XXXX which includes additional alleged legal counts for presentation to the court. It is Borrowers opinion that absent prompt and complete correction with absence of further false representations repetition, the court will have little difficulty finding Borrower has prior to litigation, after more than three years repeated attempts, exhausted administrative remedies, and that said contingent court case ( contingent on PHEAAs failure to promptly completely and fully correct PHEAAs false representations ) properly includes Defendants herein identified and others involved in said alleged federal student loan defamation-libel for extortion scheme. Your timely attention to this matter is most appreciated. Sincerely, XXXX XXXX XXXX, Borrower CC : Consumer Financial Protection Bureau, www.consumerfinance.gov ; PH : XXXX. Enc. Both 1. and 2. are provided in the two ( 2 ) respective labeled folders on enclosed NXT-flash-drive. 1. The complete CFPB complaint # XXXX, Borrower filed- and PHEAA-received XXXX XX/XX/XXXX, PHEAAs company response XXXX XX/XX/XXXX, and CFPB complaint EXHIBITS 1.-7. 2. Herein notice letter to Mr. XXXX XXXX XXXX, with associated EXHIBITS 1.-10. EXHIBITS 1.-10. List. EXHIBIT 1. FedLoan billing and account status XX/XX/XXXX monthly statement sent by U.S. mail. Statement gives six-loans-group repayment total to date, {$100000.00}, and current balance, {$14000.00}. [ 1 page ] EXHIBIT 2. Example, XX/XX/XXXX payment, of bank statement records evidence for 102/120 monthly payments Borrower made by personal check showing electronic check withdrawal of {$1000.00} by FedLoan/PHEAA. [ 1 page ] EXHIBIT 3. Example, XX/XX/XXXX payment, of Borrowers U.S. express mail tracking and FedLoans signature receipt express government evidence of 102/120 monthly payments completed through and including XX/XX/XXXX. [ 5 pages ] EXHIBIT 4. FedLoan XXXX XX/XX/XXXX letterhead Borrowers account financial record ( s ) of Borrowers six-loans-grouped account, repayment entry date, XXXX XX/XX/XXXX through and including XX/XX/XXXX. FedLoan herein account report shows uninterrupted payments : XXXX XX/XX/XXXX-XX/XX/XXXX, in-full as-billed payments ; $ XXXX/month payments XX/XX/XXXX through and including XX/XX/XXXX, with no late payment. [ 39 pages ] EXHIBIT 5. FedLoan letterhead signed letter dated XXXX XX/XX/XXXX to Borrower from Ms. XXXX XXXX, Senior Vice President, Loan Operations and Client Relations. Letter confirms Borrowers six loans repayment completion on- or before 120 months Standard Loan Repayment completion XXXX XX/XX/XXXX. Letter expressly states that a seventh loan [ {$20000.00}, never disbursed/XXXX balance/cancelled XXXX XX/XX/XXXX ] would no longer be reported in Borrowers credit reports. [ 4 pages ] EXHIBIT 6. FedLoan letterhead letter dated XXXX XX/XX/XXXX to Borrower from Ms. XXXX XXXX XXXX, Vice President, Loan Operations. Letter confirms that false representations change in XXXX to 130-145 months repayment from 42/120 months Term Duration would be corrected in Borrowers credit reports. This latter was not done. Further, said letter confirms Borrowers account in good standing and monthly payment amount of $ XXXX/month ; and ratifies EXHIBIT 5. letter. [ 1 page ] EXHIBIT 7. Borrowers NSLDS professional-access account file provided Borrower XXXX XX/XX/XXXX by University of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in response to Borrowers questions re PHEAAs false representations reporting to NSLDS in XX/XX/XXXX. Said NSLDS report shows Repayment Entry Date false representation change to XXXX XX/XX/XXXX from actual [ EXHIBIT 1., EXHIBIT 4., EXHIBIT 5., EXHIBIT 6. ] Repayment Entry Date of XXXX XX/XX/XXXX for all six loans. Said report also reiterates PHEAAs false representations in XXXX [ EXHIBIT 5., EXHIBIT 6., EXHIBIT 8. XXXX and XXXX ], FedLoan-PHEAAs knowing and willful falsely representing that a {$20000.00} loan never disbursed to Borrower is owed by combining/D2-code of said zero-balance/never disbursed loan with one other loan in repayment thereby publishing the deliberately misleading representation that said [ zero-balance ] paid-in-full {$20000.00} loan is in repayment. ( EXHIBIT 5. FedLoan-PHEAAs express ADMISSION no payment is owed for said loan. ) [ 4 pages ] EXHIBIT 8. FedLoan-PHEAA knowingly and willfully false representing in XXXX and XXXX Borrowers credit reports that a {$20000.00} loan never disbursed to Borrower is owed by falsely reporting : Payment Deferred, Deferred Pay Start Date XX/XX/XXXX, Special Payment : Payment Deferred until XX/XX/XXXX, Current ; Paid or Paying as Agreed Payment Deferred. No person ( includes government agency/cies and corporation ( s ), etc. ) may repeatedly, EXHIBIT 5. ( XXXX-EXPRESS ADMISSION ) and EXHIBIT 7. ( XXXX ) falsely publish to- and by third parties Borrowers liability to repay a zero-balance loan/never disbursed/cancelled absent knowing and willful/intent to extort. [ 4 pages ] EXHIBIT 9. Borrowers XXXX credit report dated XXXX XX/XX/XXXX. Borrowers six student loans serviced by PHEAA are monthly paid by a single payment, a grouped account. Herein credit report states on page 5 Borrowers loans are Past Due. Repayment is shown as beginning XX/XX/XXXX not the actual Repayment Entry date of XXXX XX/XX/XXXX. Repayment reporting is from XX/XX/XXXX, not valid XXXX XX/XX/XXXX repayment entry date, with 120 months payment due. This latter falsely represents that Borrower owes 20 months additional repayment to get to 120 months/paid-in-full, which at $ XXXX/month is about {$21000.00} repayment, already repaid/not owed but not PHEAA credit reported, unquestionable defamation for extortion per se. Further, PHEAA falsely represents [ Current/XXXX XX/XX/XXXX ] High Balance equal each loans Original [ Disbursed ] Balance for the entire reporting term, XXXX to Present ; and, Terms : paid monthly for 120 months when, in fact EXHIBIT 5. and because of CARES Act zero interest rate, less than 16 months repayment ( XX/XX/XXXX, {$14000.00} ) total outstanding remains on all six loans. [ 4 pages ] EXHIBIT 10. Borrowers XXXX credit report dated XXXX XX/XX/XXXX. Here, PHEAA reports repayment entry on XX/XX/XXXX, not actual Repayment Entry date of XXXX XX/XX/XXXX. This latter falsely represents that Borrower owes 79 months additional repayment to get to Terms Duration : 120 months [ to paid-in-full ], which at $ XXXX/month about {$85000.00} repayment, already repaid/not owed but not PHEAA credit reported, unquestionable defamation for extortion per se. Further, PHEAA falsely represents [ Current/XXXX XX/XX/XXXX ] High Balance equal each loans Original [ Disbursed ] Balance for entire reporting period XXXXPresent ; and, Terms : paid monthly for 120 months when, in fact EXHIBIT 5. and because of CARES Act zero interest rate, less than 16 months repayment ( XX/XX/XXXX, {$14000.00} ) total outstanding remains on all six loans. [ 13 pages ]
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was wrongly consulted about my student loan consolidation, resulting in over half of my loans not qualifying for XXXX after 8 years of regular payments. I was told my only option was to consolidate all of them again starting that back to zero. Addtionaly, while doing my XXXX program I waived my in-school deferral and continued making regular payments, as I am employed fulltime by a state institution of higher education. I was told none of those payments counted, and then told they needed to review the payments. After almost a year, I receieved notification that those payments did not count. When I called, the person I talked to said that was obviously wrong and resubmitted them for review. I requested a copy of my account records to confirm when I recieved erronious information and was told that I could not have access to my account records without a court order.
Company Response:
State: UT
Zip: 84106
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a minor period of time in XXXX. 1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 16 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX -- [ 32 months ] 4 ) 501 ( c ) ( 3 ) - XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX, XXXX-Present [ 12 months ] I have worked for qualifying institutions for a total of 84 ( 24+16+32+12 ) months as of today, XX/XX/XXXX. I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income-based repayment plan. I have recertified my payment plan each year on time. However, for some unclear reason, the US Dept of Education made my loans go into an improper and unrequested administrative forbearance in and around the winter of XXXX, for payment months XX/XX/XXXX and XX/XX/XXXX ( statement attached ). I have requested a formal review by a supervisor at the US Dept of Education twice and filed a CFPB complaint ( attached ) in XX/XX/XXXX, and the issue of the improper forbearance my loan servicer ( XXXX ) put my loans in is still not resolved ( please see attached PDF of FedLoan Servicing stating the months of XX/XX/XXXX and XX/XX/XXXX are non-qualifying because of an administrative forebarance ). Please note during the time they placed me into an unrequested and unauthorized administrative forbearance my payment amount was {$0.00} ( XXXX ) because my income was extremely low, specifically because I was serving as an XXXX XXXX. This position 's salary was set by the federal government of the United State 's agency, the Corporation for National and Community Service. Therefore, my payment amount of {$0.00} in XX/XX/XXXX and XX/XX/XXXX should qualify and would qualify for PSLF 's 120 payments if not for the improper handling of the loan servicer at issue, XXXX. Thank you for your time and kind attention. Please help resolve this issue.
Company Response:
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I took out loans for XXXX school. As I approached graduation and in the first several months following ( between XXXX ), I spoke with XXXX XXXX, XXXX and XXXX agents several times to ensure that all my loans qualified for for PSLF and that I had been entered into repayment as of XX/XX/XXXX ( first month after graduation ). I was assured several times that all my loans did indeed qualify and that I was in repayment with XXXX $ payments until XX/XX/XXXX. Subsequently my loans were transferred to Fedloan, where I continued to have regular contact with Customer service agents who again reassured me several times that all my loans were qualifying loans. Come to find out in XXXX during one of my frequent calls with Fedloan ( I literally called them 3 times a year, regularly, to ensure I was doing everything correctly ) that some of my loads did NOT qualify for PSLF. I was advised that I had to consolidate those loans and that prior payments wouldnt count toward PSLF. I had no choice but to do so. There was no outlet for further explanation or source of counseling. Despite my near constant communication with XXXX and Fedloan they had not once disclosed this information previously, despite being specifically asked several times. Its no surprise I guess since my loan servicer was transferred through 4 different servicers in those years from XXXX. So even though I was completely on top of it and knew what to ask and asked several customer service people regularly, no one ever gave me the correct information. As it was no fault of my own, these years of payments i made on those non-qualifying loans should be counted. And the companies involved should take responsibility for providing false information and lying to me. Furthermore, Fedloan has not counted several of payments I have made as qualifying payments. This is despite me asking for a recount for 1 year. Notably, I have been in automatic repayment every single month since I graduated in XX/XX/XXXX - meaning that they have had complete access to my bank account and that logically, there is absolutely zero reason that I would ever have a late or missed payment through any fault of my own. These loan servicers pray on young, ambitious and extremely busy people ( Im sure no one in their company understands what a 100 hour work week feels like ). Their customer service agents give false information and have zero skin in the game. They have no incentive to provide accurate information - especially when my loans were constantly being transferred to different servicers ( 4 servicers in 2-4 years! ). They are criminal. Completely unethical and the worst part is that I have no option to be at their mercy.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am a federally protected consumer and I requested validation of alleged debt with Fed Loan Servicing. The letter was received on XX/XX/2020 and I have not received a response. Fed Loan Servicing is in violation of XXXX.
Company Response:
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
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: This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90-120 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: 02301
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A