Date Received: 2020-03-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Loan should be discharged and prior payments returned to me, due to legal action brought against XXXX for misleading recruiting tactics and job placement information. Fedloan Servicing has reviewed this information and facts previously, and ignored the courts order, and continued to collect my loan without any discharge consideration or some type of relief of this debt!
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In 2012 I took out {$9500.00} in student loans from myfedloan.com for XXXX XXXX. since then I have been paying them back on time every month. Last year I applied for a loan discharge to see if I can get the remainder of my student loans forgiven because my school was shut down by the government for fraud and my " degree '' is a joke. While the department of education was reviewing my case they decided to start refunding me the money I had paid to myfedloan. I called myfedloan and explained to them what was happening and they said not to make any more payments to them because it would just get sent back to me. The department of education denied my case for forgiveness after all but they are still sending me back money I paid already to their loan servicer. I am so confused by this whole situation I dont know what to do anymore.
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have been enrolled in PSLF for about 10 years. When Fed Loans acquired my loans from my servicer, there were 21 months of payments that were not credited. I have been enrolled in autodebit payments from my bank account and have called, emailed and corresponded with FedLoans over the years with no resolution of the issue. I have been told the update would occur, but it would take a few months. Each time I contact them, I am told to call back in a few more months, that the agent on my case has since moved on, or that the case has likely been resolved according to their notes and the count has been updated. This has dragged on over the past 4 years. I have attached my correspondence and notes over the years with the attachments.
Company Response:
State: WA
Zip: 98229
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.
Company Response:
State: MS
Zip: 39466
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I began working for a 501 ( c ) ( 3 ) XXXX XXXX organization in XX/XX/XXXX and have worked continuously at such an organization since that time. I have been making timely payments on my federal student loans via automatic withdrawal under an income-based repayment plan since at least XX/XX/XXXX. In XX/XX/XXXX, I submitted a Public Service Loan Forgiveness ( PSLF ) certification to XXXX, my loan servicer at the time. InXX/XX/XXXX, I received a letter indicating that my loans would be transferred to FedLoan. In XX/XX/XXXX, I received a statement from FedLoan indicating that I had made 67 qualifying payments toward the 120 necessary to qualify for PSLF. Because I believed that FedLoan had made an error in this calculation, I requested a life of loan payment history which I received from FedLoan in XX/XX/XXXX. This history showed, by my count, that I had made 87 qualifying payments as of XX/XX/XXXX. I emailed FedLoan in XX/XX/XXXX explaining my position and asking that they review my account, provide an explanation as to why any payments made were not counted toward my PSLF eligibility, and correct any errors that it found. In XX/XX/XXXX I received FedLoan 's response which, without explanation, indicated that the number of qualifying payments I had made had been reduced from 67 to 40. I contacted FedLoan and spoke by phone with representatives in XXXX and XX/XX/XXXX and, each time, was informed that my loan had been placed into paid ahead status some time during the preceding years and then subsequently removed from that status. Each time I spoke with a FedLoan representative, I was informed that they would conduct a review of my account and provide me with the results of that review in writing. I have received no additional information from FedLoan. I have never requested that my loans be placed in paid ahead status and have made no additional payments on my student loans other than those automatically withdrawn by my loan servicer. Each of those payments has been in the amount determined by my loan servicer under an income-based repayment plan. FedLoan has failed to provide any explanation as to how my account could have been placed into paid ahead status under these circumstances, has failed to explain how it determined that fewer of my payments qualified for PSLF after I disputed its initial count, and has failed to offer or make any corrections to may account so that I receive credit for the complete and timely payments that I have made.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to fedloan servicing, XXXX, XXXX, tXXXX and any other parties who have access to my information and debt.
Company Response:
State: TX
Zip: 75212
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I completed the application for public service loan forgiveness in XX/XX/XXXX following 12 years in public service. I have spoken with Fed Loan Servicing several times since completing my application asking for explanations of why most of my payments were not accepted. They told me repeatedly they were not done reviewing and would be in a month or two. I would call again and get the same answer. When I called today I was told they finished reviewing, though they had made no changes since they told me over the phone, when I called in mid XXXX following receipt of a letter dated XX/XX/XXXX, they would be done reviewing at the end of XXXX. They finally told me today they would review no more. I am not sure what course of action to take at this point. Any direction you could give me would be appreciate. The following is an email I sent to fed loan servicing today after I was told they reached a final conclusion and would review my previous loans no longer : " My name is XXXX XXXX, date of birth XX/XX/XXXX. I am writing to request my loan payment be reconsidered for eligibility based on the new regulations of the Temporary Expanded Public Loan Forgiveness guidelines and because I believe some income based qualified payments were not counted. I began repaying my student loans to American Education Services in XXXX. Initially my loans were not consolidated. My loans were then transferred to XXXX XXXX in XX/XX/XXXX, when they were consolidated. I believe the consolidated loan payments, which did not quality under PSLF guidelines, now qualify under XXXX. My loans were then transferred to XXXX in XX/XX/XXXX, where I then began on the income based repayment plan. I continued to make payments under the income based repayment plan from XX/XX/XXXX and do so currently. I have never been late for a payment so every single payment make should qualify. I deferred exactly 3 months ( 3 payments ) during the duration of time I have been repaying my student loans. The dates of those deferments were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX, I did not work for a qualifying employer so payments made during that time period do not count. According to my calculations, I have now made 107 payments, with the most recent being XX/XX/XXXX. I understand that number to be accurate for both my XXXX loan as well as my XXXX loan because payments for both loans are made together in one lump sum each month. ''
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I submitted a Loan Discharge Application due to Unpaid Refund. The servicer Responded that my application met the criteria and never provided Original Account-Level Documentation with an account ledger.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I previously submitted a complaint ( No. XXXX ) regarding the company 's contention that I owed money on loans the company confirmed were paid in full in written correspondence dated XX/XX/XXXX. I am filing another complaint based on the company 's deficient response to my prior complaint. The company 's response was deficient because it failed to provide me with any explanation or documentation substantiating its claim that the loans are not paid in full. In response to my request for documentation, someone named " XXXX '' at the loan servicing company sent me correspondence on XX/XX/XXXX, stating that " the increase to [ my ] current principal balance was due to [ his ] office correcting an adjustment that was previously applied '' and that my account was " adjusted [ ] to reflect accurate amounts. '' Further, " XXXX '' advised me to submit " payment in the amount of {$2200.00} '' and Fed Loan would " backdate the payment to the last payment date of XX/XX/XXXX ... [ ] to prevent additional interest accrual. '' Upon receiving the XX/XX/XXXX correspondence from " XXXX '', I immediately responded and asked him to provide all documentation in support of this alleged " adjustment. '' I have since left " XXXX '' at least two voicemails and another e-mail but he will not respond to me. On XX/XX/XXXX, Fed Loan added a document to my account 's inbox entitled, " Understanding Your Financial Activity Summary. '' This document purports to be a complete accounting of all payments on my loans. Yet, this statement includes a number of inconsistencies. The first page of the summary includes an overview of the two loans. The XXXX loan is listed as having an original principal balance of {$25000.00} and has a current principal balance of {$0.00}. The XXXX loan is listed as having an original principal balance of {$190000.00} and a current principal balance of {$2800.00}. With respect to the smaller loan, the ledger begins with a " XX/XX/XXXX CONVERSION '' transaction in the amount of {$26000.00}. According to the ledger, {$25000.00} is the principal balance and {$670.00} is the amount to interest. Adding the two amounts for principal and interest equals {$26000.00}. The summary relating to the larger loan contains a number of inconsistencies. The ledger for this loan begins with a " XX/XX/XXXX CONVERSION '' transaction in the amount of {$200000.00}. The principal balance is listed as {$180000.00} and the amount to interest is {$6800.00}. When you add together {$180000.00} and {$6800.00}, you get {$190000.00} not {$200000.00}. Notably, the principal balance amount of {$180000.00} is different than the amount listed on the first page of the summary ( {$190000.00} ). The next entry on the larger loan includes a transaction on " XX/XX/XXXX '' described as " PRECONV PAYMT '' in the amount of {$1600.00}. This amount appears to have been added to the original principal balance ( of {$180000.00} ) as the principal increased to {$190000.00}. The next 35 entries on the ledger are described as " XX/XX/XXXX PRECONV PAYMT. '' These entries appear to reflect payments towards the principal. The payments total {$2400.00}. The last one of these entries was in the amount of {$13.00} and reduced the principal balance to {$180000.00}. The principal balance remains at {$180000.00} until the second to last entry. That entry relates to a payment on XX/XX/XXXX in the amount of {$220000.00}. From that payment, {$180000.00} was applied to the principal and " {$1000.00} '' was applied to interest. Clearly this is inaccurate because adding {$180000.00} + {$1000.00} does not equal {$220000.00}. According to this transaction, after applying the payment, the principal balance was {$2200.00} as of XX/XX/XXXX. The last entry on this ledger is dated XX/XX/XXXX and is described as " INT CAPITLZTN '' in the amount of {$580.00}. This amount appears to have been added to the principal balance as the total principal balance increased to {$2800.00}. This account summary is full of inconsistencies and errors. It does not explain anything about the alleged " adjustment '' described in " XXXX '' 's XX/XX/XXXX email. Moreover, it shows wildly divergent original principal balance amounts. I note that the balance on the account as reflected on this ledger ( {$2800.00} ) is different than the amount " XXXX '' encouraged me to pay in his email of XX/XX/XXXX ( {$2200.00} ). Critically, it appears the ledger was created in response to my Department of Education complaint. It was not created for the purpose of calculating the total loan payoff amount in XX/XX/XXXX. To date, Fed Loan has not provided any explanation or documentation to account for the changing principal balance amounts nor the alleged " adjustment '' that was previously replied. Moreover, initially Fed Loan seemed to claim a portion of the amount I allegedly owe was interest ( See XX/XX/XXXX Monthly Bill '' ) yet other documentation shows Fed Loan claims the amount is principal ( See XX/XX/XXXX entry on XXXX XXXX " Understanding Your Financial Activity Summary. '' ) I requested the total loan ( including ALL principal and interest ) payoff amount with a payment date of XX/XX/XXXX. Fed Loan calculated the amount ( {$250000.00} ) and, relying on Fed Loan 's representation, I paid it in full. Fed Loan followed up and sent written confirmation that both loans were paid in full. Fed Loan reported both loans as paid in full to the credit reporting agencies. Over three years after I paid off the loans, Fed Loan now claims there is an outstanding balance on my account. Instead of providing an explanation of the alleged outstanding amounts, Fed Loan has provided monthly bills and an account summary that contain inconsistent information. To date, Fed Loan has not substantiated its claim that I owe additional money on the loan. Further, Fed Loan appears to be charging me interest ( yet is claiming it is principal ) on a loan it confirmed was paid in full. This is a deceptive act or practice. I am entitled to a clear response from Fed Loan explaining why Fed Loan contends I owe an additional amount on this loan. I am also entitled to documentation substantiating the amount Fed Loan contends I owe.
Company Response:
State: WA
Zip: 98146
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Company is wrongfully reporting that I was late in paying three of my son 's student loan payments. I had no notice that payment was due for my son 's account nor did I know that payment had not been made. I should not be reported as having been late in making payments I did not know were due. When the credit alert service I subscribe to notified of company 's erroneous report regarding my credit I immediately contacted my son and made sure he rectified his accounts. In addition, the report is misleading as it refers to three separate accounts and yet lists just one account number for each separate erroneous report. This has caused substantial harm as the summary is that I have " too many '' installment accounts with a delinquent or derogatory payment status. Further it is misleading as it does not reflect the fact that I was a co-signer who was not informed a payment was due from the debtor. These wrongful actions have caused me substantial damages and prohibit me from refinancing my home. My credit would be perfect but for these wrongful reports.
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A