Date Received: 2020-05-24
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: The first letter that I am uploading explains I am attending XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I graduated XXXX XXXX XXXX XXXX XX/XX/XXXX with XXXX XXXX. I worked at the campus departments : XXXX XXXX - XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received job postings per hiring employers and refferr students to those potential hiring employers. The department will receive feedback with the status of the relationship. I did not once receive a complaint from the studemt- employee or employer. I returned and enrolled into HDTP. I passed three interviews, and one interviewer offered me a job to practice the yard truck from XX/XX/XXXX to XX/XX/XXXX, drug and alcohol testing or DOT regulations to receive a Commercial Driver License. In XX/XX/XXXX, one employer form the college attends the so called Recruitment Day. The employer says, " I will help you get your truck. '' XXXX XXXX - President of XXXX XXXX XXXX, XXXX ( XXXX ). I select this employer and he deducts money from my paycheck for a XXXX XXXX semitruck. He then inform me he has sold everything to XXXX XXXX located in Nevada and the instructions are to pay XXXX with XXXX XXXX on the check, money order. The XXXX XXXX, he sells without my consent. XXXX then informs me to select another semitruck, XXXX XXXX. XXXX XXXX full throttle and work endless hours to make {$1000.00} per week payments. After making payments of 60 weeks, I informed the employer of the right shoulder injury and only can make {$500.00} payment. XXXX accepted the payment and the following day XXXX XXXX and XXXX XXXX repossess my XXXX and I have a video where XXXX XXXX says, " I am {$200.00} short and one week late. I inform XXXX of the swindle, fraud, scam and in return, I received a letter informing of the contents in the letter. I attended XXXX for many years and not once did I commit any crimes or the police on me. i don't wish these life events upon anybody because my intentions was to become a better person and be responsible. My unalienable rights are violated - life, liberty, and the pursuit of happiness. I contacted Law Library of Congress with XXXX XXXX and receive an archive. Assessing the Implementation of the Clean Truck Programs of the Port Of XXXX and Port of XXXX. Then find the truth about the msclassificetion of XXXX XXXX Drivers. XXXX are not Independent Contractors. We are disguised employees as independent contractors to swindle the hard workers for their money and earned property. I made XXXX XXXX XXXX XXXX to hire employees and not swindle, defraud or scam any person who wants to have a better life. Several business have violated my consumer rights. I beleive Consumer Federal Protection Bureau will take action and assist me with anything the bureau can assist me with. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Due to the CARES act, XXXX Student Loan removed my accounts, then put them back as new accounts causing my credit score to plummet.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Every item on my credit report is showing as late payments in my credit report, and it should not be reported late payments. I am currently in a chapter XXXX over the last 2.5 years and the items on my credit report was included in my bankruptcy! Please remove ALL incorrect information on my report that is being reported late and/or delinquent! I did contact all the companies concerning this matter. Thanks. XXXX XXXX
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Fedloan servicing has reopened my student loans after 10years under their proposed repayment plan which I completed in full with the rest of my debt forgiven. They put me in default and forced me into another payment arrangement plan in XXXX. As of XX/XX/XXXX I had my student loan interest put into forbearance under the CARES Act. Fedloan then inaccurately reported my student loan debt as deferred rather than lawfully paused, causing an 87 point decline in my credit score. I have contacted them multiple times regarding the inaccurate information and they refused to correct the remarks repeatedly. I have submitted disputes with all three credit reporting bureaus and each time Fedloan flat out refused to correct the error.
Company Response:
State: CA
Zip: 94606
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On the FSA website ( XXXX XXXX XXXX XXXX XXXX ) it states, " any payment you made during the administrative forbearance period ( XX/XX/2020, through XXXX XXXX, 2020 ) can be refunded. '' On XX/XX/2020, I sent an email to FedLoan Servicing asking for a refund on the payment of {$800.00} that I made on XX/XX/2020. I never heard back from them. It is now XX/XX/2020. I sent them a second email today as well.
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XXXX XX/XX/XXXX I contacted Fed Loan via telephone asking about a military benefit of 0 % interest while XXXX to a XXXX XXXX. The customer service rep explained that I needed to upload copies of my pay stubs showing that I was XXXX to a XXXX XXXX and to provide a brief statement of what I was looking for. I did all of this that day and uploaded to their " File Upload '' service that day. The customer service rep stated it should take about 10 days to get a response back. 10 days later I called back asking for an update and was told that it was actually a 30 day response. I waited the 30 days and called back around XXXX XX/XX/XXXX. I was told that my Servicemember Civil Relief Act ( SCRA ) request was denied because I was ineligible. I explained to the rep that I didn't request an SCRA review and I already knew I wasn't eligible. In fact, I called a few times because I got disconnected or something. When this happened, it made me realize that everytime I called they put in a request for my account to be reviewed for SCRA eligibility. And these were the denial letters that kept showing in my inbox on their website. Finally, after several days of calling, I got an approval letter on XXXX XXXX saying that I was eligible for the 0 % interest during the time I spent in the XXXX XXXX. It also said that my account would be readjusted and I would receive a separate notification. I never received that notification and my principal balance was never adjusted. From here, I called back several times in XXXX and XXXX XXXX don't have specific dates ) requesting the status of the benefits and would get the run around. Some would tell me that I was ineligible because I entered activity duty prior to the loans being disbursed ( this is the SCRA thing ) and others would say that they saw the approval but nothing was ever done. Finally, I was able to speak to a supervior of supervisors who saw everything that I was talking about and agreed that nothing had been done. She said that she would put in a review request and would call me back in a week ( XXXX XXXX ). During her review, she said that not only were my two loans eligible for the 0 %, but my other loans were eligible for the 4.49 % ( this I didn't know ). On schedule she called and told me the status. It was bad news. The reviewing team stated that all was good and that I received the correct interest stated above while I was XXXX. Here is the problem with their continued assessments : a ) I never told or notified FedLoan Servicing or any other Department of Education related company that I was XXXX prior to the XXXX. I waited until I returned to notify them and request the reduce interest rate. b ) All my billing statements reflect that I was receiving 6.125 % which is the original interest rate. Ultimately, each time my account was reviewed I received one of the following responses : a ) I was ineligible for SCRA because I entered XXXX XXXX prior to the being disubrsed b ) There was no such thing as 0 % interest c ) I was receiving the correct interest rate during those months I was XXXX All of these statesments above are false.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hi, I hold a federal student loan and the servicing company is FedLoan Servicing. My Account number is XXXX. My name is XXXX XXXX On XX/XX/XXXX I received a notification that my loan is becoming due to be recertified. Please see attachment XX/XX/XXXX. On XX/XX/XXXX I uploaded all the necessary documents for recertification with the income requirement. Please see attachment XX/XX/XXXX. On XX/XX/XXXX I received a recertification letter and my monthly payments were assessed at {$230.00}. Please see attachment XX/XX/XXXX. Please note, that I used the exact same income return for the previous year and my monthly payments were assessed at {$150.00}. Please find the following : 1 ) Attachment XXXX ( the IDR monthly payment assessment ) and 2 ) The tax return submitted to FedLoan ( attachment XXXX XXXX - Form XXXX - XXXX Tax Return ) with the IDR form signed on XXXX ( attachment XXXX XXXX IDR Application XX/XX/XXXX - XXXX ). On or about XX/XX/XXXX I contacted FedLoan Servicing and inquired about the discrepancy in the monthly payment calculation and was advised to resubmit my recertification documents without an explanation about processing times and guarantee that the mistake won't happen again. On or about XX/XX/XXXX I contacted FedLoan ServiceXXXX again and spoke to representative XXXX ID # XXXX. She reviewed my file and determined that there was an error in processing my IDR application which resulted in an increase in my monthly payment. She further informed me that she will put in request to review my application to correct such error. As of today, XX/XX/XXXX FedLoan Servicing has not followed up with any type of communication that my IDR application has been submitted for the error correction. I have not received an email or any type of communication regarding this issue. I would like my payments my monthly payments to be adjusted.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since Covid19 CARES at placed all student loans on hold until XX/XX/2020 my loan company FEDLOANSERVICING placed remarks on all of my loans on my credit. My score dropped 60 points due to this. There is comments of remark removed but that does not clear the report that they reported me and late and does nothing to fix the 60 points my score dropped. I have contacted them by email and phone with no answers. This is disgusting and they have never acknowledged this or even told me that this was happening to my credit. Not an I'm sorry or we are working on fixing this. Who is going to fix my credit score? There is no option to dispute what they wrote on my credit. Im XXXX. I have worked so hard to repair my credit and get it to good standing and fedloan destroys me and my score and is hush hush. Fix my credit score and completely REMOVE the notes from my credit scores!
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 1-1/2 months ago I received a credit alert informing me that my credit score dropped 56 points due to the change in Student loan status. Whatever Fedloans entered in regards to the COVID 19 student loan relief program caused my credit score to drop. No other factors on my credit report changed.
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My ( now ex ) wife and I were cajoled into consolidating our federal education loans in XXXX. We had paid as agreed for many, many years, over {$110000.00} we have paid. We separated in XXXX and divorced in XXXX but continued payments for several years. Unfortunately, we had severe financial difficulties due to the divorce, I had to file bankruptcy, etc. Nonetheless, we paid until a deferral was granted. After a brief deferral we got into better shape financially and started back on income based payments. Dealing with AES/PHEA was ridiculous. They are the worst servicer on the planet. We had trouble since the XXXX consolidation and ever since. Nonetheless, after quite a bit of hard work, we got the income based payment plan set. I pay half and my ex-spouse pays half in separate payments. I have not had issues with my payments but after several months of not having payment issues my ex started having her payments rejected for no reason. These were auto paid through the bank. The bank stated they had no changes, no issues. AES, however, would never communicate. For months and after over 100 emails, letters, faxes, calls, no response. Then they closed the call center in early XXXX due to Covid so no more calls. After at least another 100 emails, faxes, writings, etc. We started getting generic, computer generated responses which did nothing. IN the meantime they sent at least 10 emails and 4 letters a month telling us we were late and gave us late charges. Long story short, after several months, just recently, they somewhat acknowledged the issue but did nothing in response. In the interim, we sent payments directly. We were fully caught up but still have the late charges and they still send notices although they stated we were not past due. NOW, they have pulled a completely different scam. If you have seen the email they sent out about Covid ( and if not I will send it to you ) you will see it says NOTHING about CARES Act, instead saying to " contact them if you have been affected '', which is nearly impossible. NOT ONE TIME do they state the CARES Act defers payment with no interest. My ex was contacted by them and told she needed to fill out a Forbearance for the CARES Act!!! Which she did before speaking to me. So NOW our loan shows as being in forbearance which is completely false as it is suspended under the CARES Act. Not only that, BUT THEY ARE CAPITALIZING INTEREST! They are doing that because it is coded as a FORBEARANCE. This servicer is, has been and always will be a fraud, a scam a stain on the US Dept of Ed, I can not understand for the life of me, after all they have done wrong over the last 20 years why the US Dept of Ed lets them service their loans. And people like us are just ignored as they go about their fraud. WE NEED ASSISTANCE!!
Company Response:
State: FL
Zip: 32713
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A