Date Received: 2020-03-13
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: The fed loan servicing agency is mismanaging my loans. I had started student loan repayment in XX/XX/XXXX and signed up for autodebit. I have made payments on time every month, re-certified my pay yearly before XXXX which is when I went into repayment, and submitted my employment certification yearly. About 1.5 years into payment I noticed they were not counting my payments correctly and called the fed loan contact number and was told it would take over 1 year to review. I therefore called the ombudsman line for fed loan and they opened a review and were able to get my payments counted correctly. A new problem arose in late XXXX when I again re-certified my pay before the deadline in XX/XX/XXXX. I began the process of repayment in XX/XX/XXXX and was told I need to re-certify every 12 months. I have proof that I recertified every year in XXXX. They claimed I didn't recertify on time and capitalized my interest after this past year and are threatening to now go back for XXXX and XXXX and review and capitalize the interest for those years too. When I complained they said that they sent emails saying I needed to certify by a certain date. This is confusing to say within 12 months and then to send emails saying they want you to certify by a specific date. This is criminal and mismanagement of my account. I shouldn't have my interest capitalized because they are not clear in their rules about re-certification. Fed loan does not provide clear information about the definition about what re-certify in 12 months means. They are doing everything possible to make this a predatory practice. They expect borrowers to jump through hoops but they have no accountability themselves and purposely try to undermine borrowers from completing the program.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Last XX/XX/XXXX checked on FSLP loan forgiveness for non profits and asked them to calculate how many eligible payment is had made ( should start XX/XX/XXXX ) still have not resolved this and they sent me a letter in XXXX that it is first come first serve. XX/XX/XXXX received letter to recertify my IDR student loan. Resubmitted my information in XX/XX/XXXX. XX/XX/XXXX received letter it was too early to resubmit and the XXXX letter should not have been submitted. XX/XX/XXXX received letter they did not receive my resubmission informaiton to receritfy my IDR student loan ( I am with fed loan ) I called and staff said the person who told me in XX/XX/XXXX that I did not need to recertify in XXXX was incorrect. They had raised my loan payment for {$380.00} to {$1100.00}!!!! I had to take a two month forebarence to sort this out and the interest is {$600.00} extra due to their mistake. I have emailed and called since then and they sent me an issue saying it appeared the issue was already resolved. I emailed them back that it is not resolved
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I'm in the Public service loan forgiveness program on XX/XX/XXXX my loans that were eligible for the program were transferred from XXXX XXXX ( XXXX ) to Fedloan. Every year I get closer to forgiveness the more problems I am having. Last year they miscalculated the amount i was suppose to pay which was {$54.00} ( now {$65.00} ) and my payment shot up to {$240.00} which they promised to refund for their error and never did. They said I turned in my re-certification form too early ( XXXX ) but didn't notify me that my account was going to go up until XXXX less than 2 weeks before the {$200.00} payment was due. Current issue : I was sent my yearly employee certification form on XX/XX/XXXX and re-certified no problem. On Monday I went in to look for my re-certification form and it was missing. When i asked them why my form was missing they told me I wasn't eligible for program I had been in since XXXX. I know this seems like no big deal but it took over 3 weeks several e-mails and phone calls to get the {$200.00} bill resolved and they didn't keep a single promise from their phone calls. I need someone to help me sort out exactly what these people are doing.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Back in XX/XX/2019 I called about changing my plan from income driven to a graduated plan where the payment gradually increases. Was told that they could and it would take 5-10 business days to go in effect. I called a few more times and was ultimately told wrong information. In fact it wasn't until mid XXXX that I was told that I had to make 3 consecutive payments on time to switch plans. My loan was almost in default - after much back and forth the rep told me if I made XXXX payment for 3 consecutive months on time that I would be able to move to the graduated plan. I would need to call them immediately after the third payment was made. This Month after I made the third payment on the XXXX of XXXX, I was told that it would take 5 business days to take effect. I called after the 5th day and was told that it should be any day now. I waited a few more days and called again and was told the same thing. I called again and was told they would expedite the request and was assured it would go through. I called today and was denied because I had a 'forced income driven plan ' and my account had to be in good standing to pay three consecutive months. THIS IS UNACCEPTABLE! Because I was told incorrect information twice I am in danger of defaulting the loan because I can not continue to pay XXXX a month. I feel like I'm being scammed. I spoke to the supervisor and he could not help and said there was nothing he could do. He kicked it up to another level of management but I feel I'm going to get the same story. I need help and feel helpless here. I feel like they should honor the request because it is not my fault I was given bad information - I feel like the reps are not trained properly to help people. I really need to have these lower payments and feel like they should honor it by changing my payment plan because I made 3 on time consecutive payments. I feel helpless here.
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX of XXXX, I placed a FOIA request for specific information concerning student loans that was sent to the Dept of Education. The Dept of Education failed to provide all the information requested at that time so I placed a 2nd FOIA request in XX/XX/XXXX and outlined information I would like to be provided concerning student loan debt along with additional information. Included in my request were items as listed 1. Offer 2. Acceptance 3. Consideration 4. Mutuality of Obligation 5. Competence and Capacity 6. Written Instrument I also requested from The Dept of Education servicer information 1. Assignment information 2. Terms and conditions 3. Borrower Acknowledgment Which is Federal laws and State laws for my state of TN. I also requested I be provided any securitization information ( XXXX ; Hedge Funds etc ... ) Additional request : Original paperwork Chain of title Assignments ( Please see email attachments ). I requested all the information provided notarized by of individuals who can testify under oath and utilized in a court of law. As of todays date, XX/XX/XXXX, I have not received any of the requested information. Fedloans, who has only stated they are servicing the loans, without the requested paperwork from ( Dept of Education ) or anything provided by Fedloans, or following Federal or State law requirements and in violation of TCPA ( Tenn Consumer Protection Act ). I applied for a Deferred/Forbearance of any loans Fedloans stated they have in their records.in XX/XX/XXXX. They took those loans out of deferrment/Forebearance the next month XX/XX/XXXX and have been trying to collecting over {$100000.00}. Licenses are also required to come into the State of TN. Please review : No. 19-2116 IN THE UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT Commonwealth of Pennsylvania, Plaintiff-Appellee, v. Navient Corp., and Navient Solutions LLC, Defendants-Appellants. On Appeal from the United States District Court Court for the Middle District of Pennsylvania Hon. Robert D. Mariani Case No. 3:17-cv-01814-RDM
Company Response:
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I obtain a loan for {$3100.00} in XXXX for school. I had a 7.41 % interest rate. According to my records and the company records, I have paid {$6700.00} in principal and {$3300.00}, a total of {$10000.00}. I have paid for this loan twice. I spoke with customer service on XX/XX/XXXX According to customer service, the payback amount is XXXX for the life of the loan. I ask the representative to have an audit of the account, but she refuse to have an audit done.
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX, it was brought to my attention ( through the financial services office at the University of XXXX at XXXX, where I had applied to work on a second XXXX XXXX XXXX ) that I had a loan in default status in the National Student Loan Data System. Upon checking at studentaid.gov, it was confirmed that the XXXX Loan was, in fact, in default. This Loan had been reconverted into a grant on XX/XX/XXXX, and so could not possibly had been in default. I contact FedLoan Servicing, the servicer of the grant, and spoke to " XXXX '' through email ( XX/XX/XXXX, at XXXX XXXX ), who informed me that this was an error with the NSLDS, and that I needed to contact the Department of Education. I contacted the Department of Education ( XX/XX/XXXX around XXXX XXXX ) and was informed that the Department of Education could not update the status of the loan, and that I needed to contact FedLoan to have the status corrected. I contacted FedLoan ( XX/XX/XXXX at XXXX XXXX ) and spoke to " XXXX '', employee # XXXX. XXXX informed me that it was, in fact, a mistake on the part of FedLoan, and that the status would be updated by the end of business that day ( XXXX XXXX EST ). I checked the status again studentaid.gov at approximately XXXX XXXX to find that the " loan '' was still listed as " in default ''. I then called FedLoan ( XX/XX/XXXX, XXXX XXXX ) and spoke to " XXXX '', employee # XXXX, who stated that she could not help me, and that she would transfer me to the XXXX department. I was transferred to " XXXX '', employee # XXXX ( XX/XX/XXXX, XXXX XXXX ) who stated that FedLoan could not update the status, and that I needed to contact the Department of Education in order to get the matter resolved. As I had already contacted the Dept of Ed earlier that day, and was told that FedLoan needed to update the status, I believe that I was given the " runaround ''. I am an XXXX of the XXXX XXXX XXXX, and as such am subject to XXXX South Carolina Code of Laws Title 59 - Education Chapter 111 - SCHOLARSHIPS Section 59-111-50. Therefore, this matter being unresolved could be the end of my career.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: The government is garnishing my check twice make it very difficult to pay my bills ... ..I am working for a non for profit company for 10 years.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX of XXXX, I placed a FOIA request for specific information concerning student loans that was sent to the Dept of Education. The Dept of Education failed to provide all the information requested at that time so I placed a 2nd FOIA request in XX/XX/XXXX and outlined information I would like to be provided concerning student loan debt along with additional information. Included in my request were items as listed 1. Offer 2. Acceptance 3. Consideration 4. Mutuality of Obligation 5. Competence and Capacity 6. Written Instrument I also requested from The Dept of Education servicer information 1. Assignment information 2. Terms and conditions 3. Borrower Acknowledgment Which is Federal laws and State laws for my state of TN. I also requested I be provided any securitization information ( SLABS ; Hedge Funds etc ... ) Additional request : Original paperwork Chain of title Assignments ( Please see email attachments ). I requested all the information provided notarized by of individuals who can testify under oath and utilized in a court of law. As of todays date, XX/XX/XXXX, I have not received any of the requested information. Fedloans, who has only stated they are servicing the loans, without the requested paperwork from ( Dept of Education ) or anything provided by Fedloans, or following Federal or State law requirements and in violation of TCPA ( Tenn Consumer Protection Act ). I applied for a Deferred/Forbearance of any loans Fedloans stated they have in their records.in XX/XX/XXXX. They took those loans out of deferrment/Forebearance the next month XX/XX/XXXX and have been trying to collecting over {$100000.00}. Licenses are also required to come into the State of TN. Please review : No. 19-2116 IN THE UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT Commonwealth of Pennsylvania, Plaintiff-Appellee, v. Navient Corp., and Navient Solutions LLC, Defendants-Appellants. On Appeal from the United States District Court Court for the Middle District of Pennsylvania Hon. XXXX XXXX XXXX Case No. 3:17-cv-01814-RDM
Company Response:
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In 2017 I transferred a federal unsubsadized loan from FedLoan Servicing to XXXX. This loan had an original balance of more than 220K. Three years later FedLoan Servicing is saying I owe more than {$1000.00} on the loan because of an error made during disbursement. Mind you I have not heard anything from FedLoan Servicing for 3 years about this loan. The balance of this loan has been XXXX for the past three years. They have been charging me interest at 7.5 %. So what they claim was an original mistake of about {$500.00} is now ballooned to over a {$1000.00}. During these past three years they never gave me tax documents or even an invoice saying I owe this amount. I have perfect credit and have never been late on any loan. I have documents to prove all of this. I tried to resolve the issue with them, but they refuse to correct their mistake.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A