Date Received: 2020-05-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Fedloan servicing reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.
Company Response:
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
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: I see several 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: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been paying on my student loans for over 20 years. I have been a full time XXXX for over 20 years. After being denied consideration for the Public Loan Forgiveness Program by fedloan servicing, I applied for the TEPLFP on XX/XX/XXXX. In XX/XX/XXXX, I was denied based on having XX/XX/XXXX qualifying payments. I reapplied in XX/XX/XXXX and was told by a representative of fedloan serving that I should definitely qualify. Today, I received an email from fedloan servicing that I do not qualify for TEPLFP because they have changed their qualificationsfrom 12 qualifying payments to 120 qualifying payments ( same as PLFP ). I had applied for a program, and I feel they should honor the terms of the program I applies for. I have never been delinquent on my student loans for the entire time I've had them, which is over 20 years. My payments are currently {$760.00} per month. I have gotten my hopes up for student loan relief numerous times just to find out that I don't qualify base on some small detail or because the qualifications suddenly changed.
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This complaint is about inaccurate payment counts for Public Service Student Loan Forgiveness. My payment count remains inaccurate after requesting and receiving a recount by FedLoan. My loan was consolidated in XXXX, enrollment status effective XX/XX/XXXX. I worked with XXXX advisor to consolidate following this. Loans were originally serviced by XXXX XXXX before transfer to Fed Loan. Throughout repayment, I have always been in the IBR plan. I have had only 2 employers and I have certified both as eligible employment from XX/XX/XXXX-XX/XX/XXXX via submission/approval of ECF forms. I have always been enrolled in autodraft for my payments. Despite this, my counts are wrong. I asked for a recount in XXXX and, while they did increase the count, I believe it was still off by 19 or 20 payments. Now, as of my XX/XX/XXXX recert, I believe my count is still off by 12 or 13 payments. The source of error may be that Fed Loan is not applying the {$0.00} payments which I made during my first year of repayment, despite this being the amount due under my income based plan and despite being enrolled in AutoPay. Thank you for your help in this matter.
Company Response:
State: FL
Zip: 32605
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contacted the loan companies to report credit history on all accounts along with payment history. The loan companies are all student loans not installment loans and have never been late. The companies initially made the corrections to the accounts but someone keeps going back and removing the corrected information them as they are correcting them within the reporting agency system.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: To my under standing XX/XX/XXXX through XX/XX/2020, the interest rate is set to 0 % and payments are suspended for student loans owned by the federal government and the federal student loan servicer should suspend all interest After viewing my fedloan account XX/XX/2020 I noticed that fedloan charged me interest for the month of XX/XX/2020 as well as XX/XX/2020 stated above 0 % interest was to be implemented starting XX/XX/2020 my payment of {$660.00} was paid on my due date of XX/XX/2020 payment was not applied to my account until XX/XX/2020 and with interest My payment made on XX/XX/2020 XX/XX/2020 Payment {$660.00} principal {$180000.00} This payment was applied to the following loans : DIRECT SUB CONSOLIDATION LOAN interest charged {$160.00} DIRECT UNSUB CONSOLIDATION LN interest charged {$250.00} DIRECT UNSUB CONSOLIDATION LN interer charged {$240.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2020 Payment {$660.00} principal {$180000.00} Payment - XX/XX/2020 This payment was applied to the following loans : DIRECT SUB CONSOLIDATION LOAN interest charged {$170.00} DIRECT UNSUB CONSOLIDATION LN interest charged {$260.00} DIRECT UNSUB CONSOLIDATION LN Interest charged {$220.00} There's no difference in the principal an if interest is not being charged I should see my principal going down as you can see the principal for XXXX remain the same big discrepancy.
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I most recently filed a complaint against AES on XX/XX/XXXX. In their response on XX/XX/XXXX, they stated : " Our review of your account found that on XX/XX/XXXX, AES forwarded a request to XXXX to contact you directly to address your concerns regarding the denial of your ID Theft claim. On XX/XX/XXXX, AES forwarded updated information to the consumer reporting agencies to adjust the unfavorable information submitted to the consumer credit reporting for XX/XX/XXXX. The updates were submitted because it was determined you were not notified that your ID Theft claim was denied and normal servicing activities had resumed on the loans in a timely manner. On XX/XX/XXXX, AES received and forwarded your request to appeal the denial of your ID Theft claim to XXXX. AES can not accommodate your request to release you from your responsibility as the cosigner. For any information regarding your ID Theft claim denial or request to appeal the decision, you must contact XXXX directly, at XXXX. Lastly, as the third-party service provider, AES can not reduce or dismiss any portion of the loan debt. In an effort to assist you, AES forwarded your request to reduce the principal balance on the loans to the holder. You will be notified once a decision has been made by the holder. If you have any additional questions or concerns, please contact AES at XXXX. Loan representatives are available Monday through Friday from XXXX XXXX to XXXX XXXX, ET. '' When I called XXXX at the number listed in their response, I am transferred to a voicemail, in which they state that the person at extension XXXX ( **the telephone number called** ) is busy and to leave a message. Despite leaving numerous messages for XXXX regarding the fraud complaint and appeal beginning on XX/XX/XXXX, I have not received a call back. In addition, AES stated that " Our review of your account found that on XX/XX/XXXX, AES forwarded a request to XXXX to contact you directly to address your concerns regarding the denial of your ID Theft claim. " I filed an Appeal of the Denial of the Fraud Claim with AES on XX/XX/XXXX and they requested in their XX/XX/XXXX response. On XX/XX/XXXX ( more than 30 days after I sent the letter ), I called AES to follow-up on the status the Appeal. I spoke with XXXX # XXXX, and she informed me : ( i ) they received the Appeal on XX/XX/XXXX, ( ii ) there was no notation on the Appeal and it was just sitting in my file, ( ii ) they received it and failed to forward it to a department, ( iv ) there was no matter procedure as to where it should be submitted and ( v ) there are special request codes that are required to be inputted but no special request code was imputed for this appeal and ( vi ) she was going to submit it through the Fraud Department. On XX/XX/XXXX, I received a call from AES. I spoke with XXXX ( employee id XXXX ) and asked her to check to on the status of the Appeal. She told me that my account was notated on XX/XX/XXXX that if I called back to inquire about the Appeal to tell me to call XXXX at XXXX. This was contrary to the response AES posted on the CFPB 's website on XX/XX/XXXX. I also filed a Second Appeal on XX/XX/XXXX. To this day, I have never received a response regarding either Appeal from AES or XXXX. AES failed to forward my Appeal to XXXX as they said they would do in their XX/XX/XXXX letter.
Company Response:
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have been a victim of identity theft and this has a balance of XXXX that Im not responsible for. A civil suit will be filed if items arent removed quickly. Im
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for fedloans every year. I had no idea they were filing through Fedloans. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay Fedloans {$39.00}. I didnt even have access to my Fedloans account till my credit score dropped {$200.00} points and I XXXX Fedloans and had to recover my account. If I knew they were just filing with Fedloans, I would have done it my self and used the money I was paying them to pay my student loans. I called fedloans and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.
Company Response:
State: OK
Zip: 74105
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Student loans are showing incorrect status. Status was supposed to update to show a positive status per telecon with FedLoan.
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A