Date Received: 2020-08-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My wife and I are both XXXX XXXX veterans. While working on my XXXX XXXX, she became severely ill and I had to quit my program to care for her and our XXXX children. I have always been in contact with the creditors. Since leaving my program several years ago, it has been an un-nerving maze with parts of my loans being bought and sold. She is a XXXX female XXXX veteran with an acquired illness during an injury in XXXX. I need to move our family closer to medical facilities to prolong her life. Im on an income-based pay system with the loans and with almost no income, have no payments at this time. Multiple reports on all credit bureaus have my loans in collections, late, and other negative reportings. These are all untrue and are keeping my credit score too low to apply for a home near treatment.
Company Response:
State: WV
Zip: 258XX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Thank you for taking the time to help people navigate through the Public Service Loan Forgiveness ( PSLF ) program with FedLoan Servicing. I find myself in a unique situation with my loans. I have been working with non-profitsover the last ten years with two of those years working as an XXXX XXXX. Here is my situation : I was trying to use my XXXX XXXX XXXX XXXX to pay down my XXXX XXXX XXXX XXXX monthly payments and stay current on my account. The problemthat I was having was that my payment was not arriving on time and defaulting on my PSLF payments because it took too long to transfer over. I asked several times if there was a way for me to set up an automatic withdrawalfrom my XXXX XXXX XXXX Award. I was told that this could not be done. My solution was to pay multiple months at a time. As a result, I found out that a year of my payments did not count for the following months : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX 4 months ), XXXX XXXX, XX/XX/XXXX. I have had a number of reviews on my account to try to get this fixed but, it always comes back negative. I spoke to an ombudsmanat FedLoan Servicing and they told me that my request was also denied. Years later I found out that they could take automatic payments from an XXXX account. It doesn't seem right to me that paying ahead on my account to satisfy timely payments should be counted against me. Especially, because the transfer payment was out of my control and between two slow moving bureaucratic governmentagencies.I feel like I have been duped andI am not sure how to proceed. Do you have any advice? I am currently at 103 qualified payments and having an extra year worth of payments returned would really change my life. I have also attached my notes to give you a paper-trail of my experience.
Company Response:
State: CA
Zip: 95476
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
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: ok back in XXXX i had several loans out then i finally got them all consolidated with fed loan i have talked with fed loan reps and they see the problem and tried to help me but since i had so many seperate loans for being consolidated it was exhausting..so i was finally told about what deferments was because i had lost my job and was unable to pay so i got them and everything was ok i was supposed to every year get another one so i moved to another state and my deferment ran out i didnt recieve a notice or anything about i need to get another one finally my mail caught up with me but by that time i had been without deferment for 90 days quickly fed loan reinstated my deferment with no problem but would not remove my late pmts now since i had so many loans it shows on my credit like 8 missed pmts or maybe 10 all im saying since these loans was consolidated shouldnt i just have one missed pmt of 90 days instead of 8 to 10 which now like with XXXX XXXX is seriously stopping me from getting a mortage all im asking is why should i have so many missed pmts it degrates my credit with so many missed pmts i acknowledge the missed all im asking is why so many consecutive have to show instead of just one missed pmt of 90 days
Company Response:
State: NC
Zip: 28602
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Fed loan shows delinquent payments for XXXX, XXXX, XXXX, XXXX. I have spoken to them repeatedly to provide proof I was late. They do not respond. I need Fed loan to prove I was delinquent on these payments.
Company Response:
State: IL
Zip: 60048
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello, I am a Veteran and didn't know about certain services being offered for active military personal when I served. I requested that my military benefits be retroactively reapplied if possible. To which they agreed on XXXX XX/XX/2020. Subsequently, on the date of approval FedLoan servicing increased my principal balances on three of my student loans of the five. This includes bringing a previously paid off loan back to life. While FedLoan servicing states that it wasn't an error when apply benefits and that the benefits haven't been applied. I have documents proving the balances of all my accounts on XXXX XX/XX/2020 ( minus all payments made in XX/XX/XXXX ) and XX/XX/2020 ( minus one pending payment made in XX/XX/2020 ). However, FedLoan Servicing has erroneously stated that the increase was from capitalized interest retroactively. If that was the case, why wasn't it documented on the account so that the employees I have spoke to would have known? The answer is, it didn't happen and that they don't know what happened and are trying to justify it. If you use the excuse provided by FedLoan, the math doesn't add up. FedLoan has already capitalized interest on loans when necessary through out the years and sent out account letters and statements when doing so. Someone has made a mistake or maliciously edited account information when I requested military benefits to be applied. It isn't some wild coincidence that I requested military benefits be applied and the same day they were approved ( I have the letter and original account balances ) my balances increased. It's either an error was made that day XXXX XX/XX/2020 or FedLoan maliciously edited my account balances and payment history in order to profit and protect any lose associated with providing military benefits. At this point, I'm simply asking my account be returned to it's previous state, which I have documented on XXXX XX/XX/2020 plus all payments made from their forward. Because clearly, FedLoan Servicing doesn't care about Veterans or people and are largely incompetent.
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: today XX/XX/2020 I submitted a Public Service Loan Forgiveness Employment certification form to my HR department to complete and apply towards my loan forgiveness. I was informed by the HR department that I currently have a Per Diem job code and not " full time or part time '' therefore, could not check off one of the only boxes that is provided on the form. I currently work at a XXXX in a XXXX XXXX XXXX, helping XXXX XXXX XXXX, I also work in the XXXX XXXX and XXXX XXXX XXXX helping the XXXX population. Since XXXX I have been working over 36 hours it has been around 48-52 hours weekly. I was under the impression that I could do this since on the instructions of the PSLF, page 5, under employment eligibility, 4th paragraph, it mentions, " Generally, you must meet your employer 's definition of full-time. However, for PSLF purposes that definition must be at least an annual average of 30 hours per week ''. This leads me to believe that PSLF had other options of verifying as long as 30 hours per week were verified. I called Public Loan Forgiveness today and spoke to a supervisor, XXXX, with badge number XXXX or XXXX and she mentioned that my employer had to select either full time or part-time and that there were no other options that could be considered to verify the average hours per week. I asked why there were no other options, and read out loud the instructions on page 5 and informed her how this paragraph is misleading and appears to have a system flaw. I informed her that the majority of XXXX in the U.S. are considered government organizations and how Per diem options were being over looked, specifically for XXXX as there are 3 codes : full time, part- time and Per diem. I was informed since my employer does not want to check off full-time or Part time then my certification would be denied.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: A full explanation is to be found in the attached correspondence, which was sent to FedLoan Servicing directly, however, please accept this summary. In XXXX FedLoan Servicing confirmed that my employer, the XXXX XXXX XXXX, was a qualifying employer under the XXXX XXXX XXXX XXXX program. They confirmed this several additional times via annual recertifications. In XXXX, nearly five years into what would have been a 10-year repayment schedule, I received a letter stating that they had certified my employer 's eligibility in error and were retroactively withdrawing credit for all of the qualifying payments I had made to that point. I made career and repayment decisions based on the certification of my employer 's eligibility and planned on loan forgiveness after making 120 monthly payments. As a result, I worked in a XXXX XXXX XXXX and earned less income than I might have otherwise. I also participated in the recommended repayment program and made lower payments, which resulted in interest adding to the balance of my loans faster than I was repaying them. This exact issue was litigated by the XXXX XXXX XXXX, which prevailed on the basis that the Department of Education had harmed borrowers and violated the law. I sent a formal appeal letter to FedLoan Servicing describing the situation and the harm they had caused me but was sent a form rejection letter. Upon calling to discuss the matter further one of their customer service agents said something to the effect of my letter being " bla bla bla. ''
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Fed Loan servicing I have requested by mail on XX/XX/XXXX and by phone twice, a copy of the master promissory note that involes a direct unsubsidized student loan totaling {$40000.00}. This loan was taken out in XXXX for the amount of {$23000.00} and has been sold off, refinanced, forbearanced etc just to keep the loan accruing interest. I have never been able to " qualify '' for any of their programs.I was given this loan erroneously and am now in the process of disputing the validity of this loan with the Department of Education, thus the original loan paperwork is required.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Upon review of the payment transaction history with FedLoan Servicing, XXXX XXXX, and XXXX XXXX XXXX, the required number of qualifying payments under the Public Service Loan Forgiveness ( PSLF ) Program will have been made as of XX/XX/XXXX, after the final qualifying payment scheduled for XX/XX/XXXX. Please note that all Subsidized and Unsubsidized student loans were consolidated on XX/XX/XXXX and the loan servicer at that time was XXXX XXXX XXXX ( XXXX ). Attempts to contact XXXX XXXX XXXX were unsuccessful, as www.StudentAid.gov was not able to provide contact information for the company. XXXX XXXX XXXX was closed in XXXX and the loans were transferred to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX provided a payment history of all payments made while designated as the loan servicer from XXXX, XXXX through XXXX, XXXX. Bank statements were requested from XXXX XXXX XXXX for the time period of XXXX, XXXX through XXXX, XXXX. Although I was informed that XXXX XXXX XXXX does not keep records past the seven year retention period, and was unable to obtain the requested statements showing proof of payment. After several hours of research online, I found an email address for XXXX XXXX XXXX ( XXXX XXXX ) from a XXXX post. This post, made by a person in a similar situation to mine, stated that if you contact the following email address ( XXXX ), XXXX would be able to pull payment records during the time period that is was known as XXXX XXXX XXXX. I received the below response from XXXX after contacting the above listed email address : The XXXX XXXX XXXX business line was separate from XXXX XXXX XXXX ( XXXX ). XXXX did not service this type of loan and we have never had access to any of those records. XXXX XXXX XXXX servicing closed in XXXX and all active loans were transferred to a new servicer. It is our understanding that when XXXX XXXX XXXX discontinued servicing, the loan data was sent on to the subsequent servicer. If your XXXX is unable to provide assistance, we suggest contacting the Department of Educations Office of the Ombudsman at XXXX. Attached is a signed Employment Certification Letter verifying my employment with the State of XXXX from XX/XX/XXXX through still employed. During this time period I was also employed by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Both of these places of employment qualify under the XXXX XXXX XXXX XXXX XXXX. In closing, I am requesting that you recalculate the number of qualifying payments that have been made to my account, as XXXX XXXX has inaccurately calculated my loan forgiveness date as XX/XX/XXXX instead of XX/XX/XXXX. There were 15 qualifying payments made to XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), 76 qualifying payments made to XXXX XXXX ( XXXX XXXX ), and 28 qualifying payments made with XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). Thank you for your time and attention to this matter.
Company Response:
State: MO
Zip: 65803
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A