Date Received: 2020-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am seeing school on my report that I never attended XXXX XXXX XXXX XXXX XXXX University
Company Response:
State: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In 2010, I started school at XXXX XXXX XXXX in XXXX XXXX, LA. School went as planned after graduation however, everything immediately turned into a never ending nightmare. This institute was sued for predatory lending and i was a victim of its bad practices. If that wasnt enough i could not find a job in my field, my transcript was not available to me, nor was my payments being sent to lower my loan balance. The loan was then consolidated without proper paperwork. I made payments for over a year it wasnt calculated and it also gave me late pays on my credit report. This institute is now affecting me for a mistake I made in allowing myself to fall victim of this predatory scheme.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I WAS APPROVED FOR TOTAL AND PERMANENT XXXX DISCHARGE OF MY STUDENT LOANS OF {$63000.00}, ON XX/XX/2020 BY XXXX AND THE DEPARTMENT OF EDUCATION. ON XX/XX/2020 XXXX REQUESTED THE TOTAL AMOUNT OF MY LOANS FROM FED LOAN SERVICING, NUMBER XXXX SO THAT MY STUDENT LOANS CAN BE PAID IN FULL. AFTER SPEAKING WITH XXXX ON XX/XX/2020, THEY STATED THAT THEY ARE WAITING FOR THE LOANS TO BE TRANSFER BY FED LOANS SERVICING. WHEN I SPOKE WITH FED LOAN SERVICING, THEY STATED THAT THEY ARE WAITING ON DEPARTMENT OF EDUCATION TO SEND OVER INSTRUCTION FOR THE PROCESS. XXXX CAN BE REACHED AT XXXX. EVERY MONTH FED LOAN SERVICING IS REPORTING TO THE CREDIT BUREAU THAT I OWE {$63000.00} TO THE DEPARTMENT OF EDUCATION FOR FEDERAL STUDENT LOANS. FED LOANS SERVICING CAN REPORT THAT I OWE, BUT WILL NOT TRANSFER THE LOAN AMOUNTS TO XXXX SO THAT THEY CAN BE REMOVED FROM MY CREDIT REPORT AS OWING PAYMENTS. FED LOAN SERVICING NUMBER IS XXXX. IT HAS BEEN SO CHALLENGING THAT THIS COMPANY WILL NOT COMPLY WITH THE SYSTEM TO REMOVE MY LOANS AND XXXX HAS THEIR CHECK IN THEIR HANDS? I AM BEGINNING TO VIEW THIS WITH A DIFFERENT LENS. MAY BE ITS BECAUSE IM XXXX AMERICAN IS THE REASON THEY ARE NOT RESPONDING TO MY APPROVED APPLICATION FOR TPD DISCHARGE ON XX/XX/2020.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is my third complaint regarding this issue. Fed Loan Servicing is flat out REFUSING to apply qualified payments towards PSLF program. I received word from the CFPB that the issue had been resolved and Fed Loan Servicing sent me a letter showing " applied payments '' ( see attached ). They made it look like they took action when they did NOTHING. The PSLF payments that need to be applied are from XX/XX/XXXX - XX/XX/XXXX from my employment with University of XXXX XXXX XXXX. I work for a XXXX ( XXXX ) ( XXXX ) XXXX XXXX. I believe this is being done flagrantly and intentionally. The letter that they sent me is the EXACT same letter for my XXXX certification with a new date slapped on it. They did absolutely nothing aside from push the complaint away and flagrantly lie to the CFPB on resolving the issue.
Company Response:
State: MN
Zip: 55025
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: For 2-3 years, I have attempted to negotiate a fair, affordable payment with my loan servicing company -Fed Loan -. Despite phone calls, payments, applications, deferments, forbearances & budget submissions the company keeps demanding a payment amount that is double what I can afford. I'm at the point where I feel like the whole thing needs to be forgiven, so we can all start fresh. 30+ years of debt & interest accumulation is unnecessarily burdensome. Signed Borrower
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Ive worked in the XXXX industry for over 24+ years. I first applied for a Stafford loans in XXXX with XXXX XXXX for myself and Parent Plus Loans in XXXX for my son with FEDLOAN Servicing and then consolidated these loans to the best of my recollection, I believe in XXXX over to XXXX. Then in XXXX, I was swindled by XXXX XXXX XXXX who submitted my paperwork to FEDLOAN Servicing. I was duped by XXXX XXXX XXXX of the many payments that I had forwarded directly to them with an understanding that they will in turn forward to FedLoan Servicing on my behalf. I realized that I was duped after making about five or six payments to them. Throughout my history with XXXX XXXX, Ive made numerous payments as well but there were struggles because of lack of employment or my salary was too low. During these times, I reached out to each organization and advised them. In early XXXX and XX/XX/XXXX, I submitted four ( 4 ) Public Service Loan Forgiveness Employment Certification Forms ( PSLF ) to FEDLOAN Servicing after speaking to one of their representatives on XX/XX/XXXX. The representative advised me that working for certain industry especially a healthcare industry may qualify me for the Public Service Forgiveness Program. I then forwarded completed and approved ( PSLF ) documents to FEDLOAN Servicing regarding the following organizations : 1. XXXX XXXX Hospital XXXX XXXX XXXX XXXX, XXXX, NY XXXX - DOH : XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XXXX Hospital XXXX XXXX XXXX, XXXX XXXX, NY XXXX - DOH : XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX DOH : XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, CT XXXX DOH : XX/XX/XXXX XX/XX/XXXX I called occasionally in XXXX and early XXXX but due to COVID-19, a recording advised to call back. I continued to call and then on XX/XX/XXXX, I finally spoke with their representative who advised me that they were in receipt of my documents. He explained that I was approved for XXXX XXXX Hospital and XXXX XXXX XXXX Hospital but not for XXXX XXXX XXXX XXXX , XXXX. He explained that the PSLF for XXXX XXXX XXXX XXXX , XXXX showed that I started in XX/XX/XXXX and stopped working XX/XX/XXXX. I advised him that information was incorrect and I re-uphold PSLF for XXXX XXXX XXXX XXXX with dates of employment. On XX/XX/XXXX, I received a letter from FEDLOAN Servicing which stated the following : Your employment qualifies you to participate in the PSLF Program for the certified employment time periods provided above. Note, if the dates of employment that you submitted on the form differ from those listed above, it may be due to the overlapping employment periods, dates certified into the future, or periods of employment or other before XX/XX/XXXX ( which do not qualify for PSLF ). The following was listed in the letter I received : XXXX XXXX HOSPITAL - Zero ( 0 ) qualifying payments. XXXX XXXX XXXX XXXX Five ( 5 ) qualifying payments. XXXX XXXX XXXX XXXX, XXXX - Zero ( 0 ) qualifying payments. There was NO information on XXXX XXXX XXXX XXXX. After receiving this letter on XX/XX/XXXX, I contacted FEDLOAN Servicing for an explanation and advised them of their error. The representative advised that XXXX XXXX Hospital was, in fact approved for qualifying payments but he was not sure why it was not reflected in the letter and he would look into this matter further. In addition, he agreed last day worked for XXXX XXXX XXXX XXXX , XXXX will be corrected to reflect XX/XX/XXXX and not XX/XX/XXXX which FedLoan Serving erroneously listed. I also asked about XXXX XXXX XXXX XXXX XXXX XXXX and he advised that FEDLOAN did not have the PSLF. I immediately, on said day, went to the FEDLOAN Servicing website and re-uploaded/re-submitted Personal Service Loan Forgiveness Form ( PSLF ) for not only XXXX XXXX XXXX XXXX, XXXX but also XXXX XXXX XXXX XXXX and XXXX XXXX Hospital. I called FEDLOAN Servicing again later that day on XX/XX/XXXX, at approximately XXXX to confirm they were in receipt of these documents and they confirmed they did receive them. The representative was very attentive and she painstakingly confirmed each document to me to make sure that PSLFs that I had submitted were correct. She then advised me that XXXX XXXX Hospital was showing an error on their end but she would re-submit all PSLFs for approval again. On XX/XX/XXXX, I received another letter from FEDLOAN Servicing. As you can see, based on the breakdown below spreadsheet, XXXX XXXX is not listed. In addition, qualifying payments is not correct based on years of services : EMPLOYEE NAME Qualifying Employment begin Date Qualifying Employment End Date Qualifying Payments XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX This is a correct depiction of the organizations and time that Ive worked as follows : XXXX XXXX Hospital from XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Hospital XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XX/XX/XXXX Based on the above spreadsheet : 1. XXXX XXXX Hospital was not included in their listing despite FEDLOAN Servicing representative advising of approval and qualifying status. 2. XXXX XXXX XXXX XXXX is being reflected as a stop then start status. As you can see, I was designated with only 2 qualifying payments. I worked for this organization for 10 months. 3. XXXX XXXX is listed as zero qualifying payments. I worked for XXXX XXXX XXXX XXXX for 3 months. FEDLOAN Servicing provided an explanation of, What a qualifying payment is? in this explanation, it stated that, A qualifying payment for PSLF is a payment that is made : After XX/XX/XXXX. I have worked for these non-profit organization after XXXX which to me means all should qualify for PSLF. Please help me in resolving my concerns with FEDLOAN Servicing. I need FEDLOAN Servicing to update their records and apply PSLF for working with these organizations as follows : 1. XXXX XXXX Hospital - Years worked and services provided for working at this organization should not be discounted or ignored as in this case but be acknowledged and reflected as a qualifying event with Qualifying payments of 48. XXXX. XXXX XXXX XXXX XXXX should reflect XXXX qualifying payments and not zero qualifying payments. XXXX. XXXX XXXX XXXX XXXX is listed as XXXX XXXX XXXX XXXX qualifying payments when it should be XXXX XXXX XXXX XXXX qualifying payments. I worked for this organization for 10 months. I would appreciate very much if you are able to provide more insight as to reasoning behind FEDLoan decisions to disregard some of these organizations and, in addition as to why XXXX has deliberately disregarded and discounted my years of services with these organizations. I dont believe FedLoan Servicing practices unfairness and biasedness. I believe this is a federal organization that cares about providing the best services to its participants. Thanks for your support.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. XXXX XXXX XXXX DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have dealt with Fedloan services multiple times about this issue, including with numerous officers that are in charge of calculating monthly payments. I transferred my loan from XXXX to Fedloan about a year ago, and shortly thereafter my monthly payment more than doubled in amount, increased by over 100 %, it went from about {$130.00} to almost XXXX. This was unexpected, unfathomable and unmanageable for a single mom with tremendous debts as it is.Trying to deal with the company has been draining, first they were giving me excuses and calculations that made no sense and that had absolutely no justification for the increase, they couldnt name any numbers of my income or from my recertification that justify such a tremendous jump, and finally this XXXX I spoke to the last recertification officer who informed me that there must be some issue because the numbers used to recertify my loan monthly payment amount where identical from the previous year. He indicated that there isnt a calculable reason in their records that explains the more than doubled monthly payment, he promised that someone would either fix the issue or contact me and explain what happened, this was about the sixth time I talked to them, since then even though he assured me it would be fixed or explained I have heard nothing. Ive written them a letter and gave them a time to answer and they have ignored it. I want my payment back to {$130.00}, its unfair I shouldve been able to make my payments for the last 6 months - bringing me closer to my 120 payments of my loan forgiveness but instead Im stuck because they more than doubled my payment without reason or justification, and I was forced to go into forbearance because I couldnt afford such a large unexpected payment.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A forbearance was granted to me on XX/XX/20 due to COVID-19 that was lasting through XX/XX/20. This forbearance allowed me to withhold my payments up until that time. In XX/XX/2020, I received a notification that my credit score decreased substantially due to having a late payment report listed for my student loans. This has impacted me greatly in an endeavor I am currently undertaking that is determined by my credit score. Please help me correct this and also let me know if there are any steps that can be taken for the impact this has had on me ( i.e. compensation ).
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I graduated from XXXX school in XX/XX/XXXX and consolidated my federal loans through XXXX XXXX XXXX My loans were sold once to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and then to Fed Loan Servicing Center ( XXXX ) where my loan is currently. Per Fed Loan Servicing calculations for the loan forgiveness program, I am missing 24 payments between XX/XX/XXXX-XX/XX/XXXX. I am unable to contact or verify payments with XXXX XXXX XXXX because this company dissolved/went out of business. I was never notified about this company closing or I would have requested copies of all of my documents. I have tried contacting Federal Student Aid but even their support services were unable to direct me on who to call or contact about this matter. This is unacceptable and I, as a consumer, should not be held accountable for the mishandling of student loans when I have never missed a payment, been delinquent, or defaulted in any loan I have ever held.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A