Date Received: 2020-04-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I sent paperwork via U.S. mail and uploaded information to Fed Loans asking them whether or not I qualify for the Public Service Loan Forgiveness program. I sent them as much information as I could including my W-4 's but I could not verify my work as a XXXX for XXXX XXXX XXXX XXXX XXXX because of the outbreak of the corona virus and the stay at home measures that XXXX and XXXX XXXX XXXX XXXX ( XXXX ) have implemented. We are now in XXXX XXXX. I sent them the paperwork and asked them if they could verify my work with the XXXX XXXX which dates back to XXXX as a XXXX XXXXr as well as a XXXX XXXX XXXX starting in XXXX. They sent me the paperwork indicating that I needed to verify this. I can NOT at this time and I wanted to see if I qualified for the program or if I didn't then how many payments would be needed to qualify be exempted from my federal loans. My information is with XXXX. My information is with the XXXX XXXX XXXX XXXX. Are you trying to tell me that the Federal Government of the United States can NOT verify my work status with the state bureaucracy and implement the data to see if I qualify? I attempted to go downtown but I was told to go home. At this time, the only people that can verify my status are the bureaucrats. Please help.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had my student loans consolidated. The consolidation included loans/account numbers XXXX and XXXX. When the loans were consolidated into a new loan the old loans that are apart of the consolidation remained on my credit report. The old loans should all be removed and only the newly consolidated loan should be on my credit report. The old loans still being there means these are all duplicates and for the accounts to be duplicated through out my reports is a violation of the fair credit reporting act The federal Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer.. I would like for the old loans to be removed ASAP.
Company Response:
State: SC
Zip: 29506
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: On the credit report, they claim the account was opened on ( 1 ) XX/XX/XXXX and I owed {$2600.00}. ( 2 ) And on XX/XX/XXXX and I owed {$2800.00}. ( 3 ) And on XX/XX/XXXX and I owed {$1700.00}. ( 4 ) And on XX/XX/XXXX and I owed {$5100.00}. I don't owe.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I Received a call from a number who left a voicemail with reference number, called back, party named XXXX XXXX claiming from federal loan department send me a txt message with a code. The person asked for code and I provided and person was able to log into my XXXX account and gave me all the details about my school loans and option as how to pay back. my Social was verified, my address and my employer was verified. I was send some paperwork to sign and asked for the payment to be applied to Loan.the writer provided XXXX bank account number. after the call, I called my school financial advisor and I was told it is a scam. I had my credit card locked but iam still worried about my other information. the number that was given to me to call back is XXXX, initially a femaile called with the name as XXXX and a reference number provided ( XXXX ).
Company Response:
State: CA
Zip: 95356
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I had a pass due amount of {$310.00} on the XXXX of XXXX. This came up after I was denied the income driven plan! I think it was two to three weeks after I worked as a waitress and lost that job and found work with XXXX and dealing with other bills like my car bill, utility bills and phone bill. I thank God my car lender was able to give me a three month extension over the COVID 19 and that, I did find another job considering the fact my car insurance renewal was coming up and they gave me up until XXXX to make that payment. I dont know whats really going on with FedLoans because, I tried getting the help I needed from them, way before we even knew about this Coronavirus.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Due to Covid-19 I have lost my income ( hopefully temporarily ). I live in Illinois and my shop was forced to close due to the statewide shutdown on XX/XX/XXXX. I immediately applied for AES 's " disaster forbearance '', and was given confirmation of receipt of my message on XX/XX/XXXX. Since then, I have received only " past due '' notices. I have applied again and again through their system, each time only receiving confirmation of receipt, and then more past due notices and instructions on how to apply for the forbearance, for which I've applied multiple times. When I try to follow up on that I get nothing. They also note that they are reporting my delinquency to credit agencies every month.
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Due to Covid 19 federal student loan interest has been suspended and loans are in forbearance. AES holds federal loans but is not doing either of the above measures. AES fails to comply with the CARES act.
Company Response:
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am in the Public Service Loan Forgiveness Program and I made my 119th monthly payment on XX/XX/2020 through XXXX. Due to the CARES Act I do not have a payment due until XX/XX/2020. However the XXXX states that each month for which a loan payment was suspended under this law shall be treated as if the borrower made a payment for the purpose of any loan forgiveness program for which the borrower would have otherwise qualified. This means that for borrowers in an income-driven repayment plan, the suspended payments are considered qualifying payments that can be counted toward forgiveness. Borrowers working toward Public Service Loan Forgiveness will also have time in suspension counted toward their 10 years of qualifying payments. My statement should have come out out on XX/XX/XXXX. I am still employed by the State of Montana and have met all of the qualifications for forgiveness as the XXXX payment would have been my 120th payment. FedLoan has had a history of not correctly assigning my payments and I have had to go through CFPB to get them to correct their errors. I clearly qualify for forgiveness as of XX/XX/XXXX as that is when my bill would have gone out. Please force them to quit violating the CARES Act on my account and grant my loan forgiveness. Thank you for your help.
Company Response:
State: MT
Zip: 59101
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have 2 graduate student loans that were a FFEL consolidation done in XXXX. I made payments on them for over 17 years. The entire time that I have made these payments I worked in XXXX XXXX for various public XXXX XXXX. My first loan server company was XXXX, and I was told on numerous occasions in XXXX and beyond that my loan payments would count towards the 120 payments required to seek loan forgiveness under PSLF. In XXXX, my loans were transferred to XXXX in what has been considered a consolidation. I have no recollection of this being a consolidation, I was in deferment or forbearance and then when I started to pay again the loans were transferred to XXXX. Again, XXXX told me on numerous occasions that my payments would be credited to PSLF after I make the 120 payments. In XXXX, I was led to believe that I had applied for PSLF. I opened a FSA account, researched my loans, saw that they were direct loans, contacted a PHEAA and they referred me to FedLoan who told me on multiple phone calls, send in your employment certifications and once they are approved for the 10 years then you will get Loan Forgiveness. At the time in XXXX, I was not employed. I had worked for 10 years at 5 consecutive XXXX XXXX employers from XXXX. I sent in all 5 employers. I received 3 conflicting letters, saying none of employers qualified, then I received another letter stating 4 employers qualified. I wrote FedLoan a letter complaining that my last employer was not certified and I found multiple mistakes in their conflicting letters to me. I never heard back from FedLoan. I even requested that my loans stay with XXXX because I thought Fed Loan was a scam incompetent company. FedLoan took over my loans anyway and I continued to pay every month from XXXX-present. FedLoan FAILED to ADDRESS MY Complaint in XXXX when I was applying for loan forgiveness. They kept telling me that since I was unemployed I could not get Loan Forgiveness even though I had 10 years of work in public interest XXXX. In XX/XX/XXXX I became re-employed in XXXX XXXX and I did research on the PSLF program and found out that there was a new TEPSLF program. I contacted Fed Loan again got conflicting information, was told my " graduated payments '' did not count. I filed a complaint with Federal Aid Feedback and was contacted by FedLoan again. To me this is a complete conflict of interest. I requested an appeal/investigation into FedLoan and FSA sends me right back to them. This time, FedLoan fails to accept any of my payments to count towards loan forgiveness. On my online account it states I have 0 payments for PSLF yet TEPSLF specifically states " graduated payments '' count. Instead of updating my account to calculate the payments that I have made since XXXX under the graduated payment plan, the FedLoan rep tells me no accounting can be done of my payments because 120 payments have not been made. They state my case ( appeal/investigation ) will be considered closed. Again, no investigation into these lies and inability to credit my account for the payments. I emailed FedLoan Rep back and requested an audit of my payments and requested that payments that I made towards loan forgiveness under TEPSLF be listed on my online account with them. They refused stating that I did not reach the 120 payments yet and therefore, no audit will be done. This is incorrect. XXXX XXXX told Congress that she would streamline the TEPSLF process and an audit can be done at any time. My issues are as follows : 1. My payments made under the " graduated '' payment plan from XXXX do in fact count under TEPSLF and should be entered into my online account. The Cares Act has also established that the payments that would have been made XX/XX/XXXX thru XX/XX/XXXX also count towards XXXX XXXX forgiveness. I want a full accounting of my payments made from XXXX on my account. I want them listed accurately on my online account with FedLoan Servicing so that there is NO CONFUSION about how many payments I have made. 2. My payments made to loan server XXXX for the FFEL consolidation was a federal loan and never involved a parent plus or private monies. The server was private but it was always federal money and thus, I am requesting the payments that I made from XX/XX/XXXX payments be counted towards TEPSLF because I was told that they would by XXXX and FedLoan is permitted do an override credit for these payments as it has been done before for many student debtors when the debtor was misled over and over my the loan server. The filing of the complaint to FSA feedback system was suppose to address this override credit issue, yet that never happened because my complaint to FSA feedback was forwarded back to FedLoan who failed to address this. FedLoan keeps treating a PSLF denial as the only way to address these issues. Congress specifically came up with TEPSLF and FedLoan does not understand how to this new program and continues to wrongfully deny debtors forgiveness and then fails to provide the denied debtor the avenue for appeal even when asked over and over for it.
Company Response:
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I had a meeting with XXXX rep and with the XXXX to go over my records from High school which had XXXX plan and recommendations. Discussion any accommodation would be honored and that teachers can assist me if needed help. I was pleased/ excited knowing XXXX XXXX would be there to help me accelerate in academically. Classes that attended Composition Writing essays Problem Solving was a math class which I needed assistance with math binary I reached out to the teacher. His response was really don't know this stuff. I never asked him for help ever. I was embarrassed and felt useless. STRATEGIES FOR THE TECHNICAL PROFESSION lab class to take a computer apart and put it back together. Reality not class needed since I was not building a computer or going into that kind of field INTRODUCTION TO PERSONAL COMPUTERS this was learning how to turn on/off the computer. How move a curser around. How to create an email. This was useless because at this time computers have been out over decade. OPERATING SYSTEMSINTRODUCTION TO COMPUTER PROGRAMMIN class learning components of a computer. Learning parts and where to buy them. I was not in the field of building a computer I felt they XXXX to me about meeting my needs in the academic part and lack of support. I felt emotionally lowered my self esteem when I asked for help. Class being offered were meant for a XXXX technician or repair tech. Education offered did not match to the field/career I was aiming I filled out borrower defense application XX/XX/2020 Financial Department rep had all the paper work ready. Loans didn't cover all the cost. Arrangement was made for me to bring payments to the office lasted for few months. The rest were loans which I can pay after graduation up to 6 months. Never told me interest will still accrued if payment weren't made. I found out on my own nature of the loans and cost of the school would bring me into debt for life. Failed to inform me kinds of loans or interest if they were fixed or variable. Increments for each quarter was shown therefor wouldn't realize full amount of the loan. Didn't explain if they were Private or Federal loans.
Company Response:
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A