Date Received: 2020-02-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loans are part of the PSLF program. I am a XXXX and have worked in a XXXX since XXXX. I have accumulated at least 5+ years of qualified payments under the PSLF program. As of my most recent yearly employee re-certification form they ( Fedloan servicing ) is saying that I've only made 9 qualified payments. I contacted them ( Fedloan servicing ) on XX/XX/XXXX about their mistake. On XX/XX/XXXX I received a bland e-mail saying my account was in review. It is XX/XX/XXXX and have yet to have this problem resolved.
Company Response:
State: AR
Zip: 71901
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have made 123 payments to Fed Loan Servicing. The company continues to miscalculate payment.
Company Response:
State: WI
Zip: 53207
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Good morning, I am writing in regards to my public loan forgiveness account ( XXXX XXXX XXXX ) payments. I received a letter on XX/XX/XXXX with the audit after I sent a complaint into my attorney generals office. I am still following up on its inaccuracy a year later. I contacted XXXX XXXX, listed on the letter, I spoke with him on XX/XX/XXXX and requested an additional audit on XX/XX/XXXX. I have followed up with him multiple times ( at least 6 times ) since then for an update. I received an update on my qualifying payments in my account on XX/XX/XXXX stating I have made a total of 50 qualifying payments but it should be 59 qualifying payments. I was employed at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I made qualifying payments throughout employment minus 2 months of deferment to switch payment plans ( another frustrating fact ). I used an education award starting XX/XX/XXXX that was supposed to be split up into qualifying payments. I called and confirmed this was allowed before I submitted the award and was ensured it would be split up into payments. The payment is showing up on my account but as one lump sum payment instead of being spread out into monthly payments. Currently my balance shows : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX It should be : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I contacted the office of consumer advocacy on XX/XX/XXXX to follow up to my complaint. I was notified that they could not help and advised to contact the studentaid.gov ombudsman. I contacted the ombudsman on XX/XX/XXXX who then directed me to contact the Education departments ombudsman. The Education departments ombudsman was unresponsive ; therefore, I contacted the studentaid.gov ombudsman again on XX/XX/XXXX. Student aid.gov Ombudsman XXXX XXXX/Education Dept. Ombudsman XXXX Case # XXXX, I received an email on XX/XX/XXXX stating the lump sum could not be applied. I emailed back on XX/XX/XXXX explain I was given false information and made a decision based on this false information that I would not have made otherwise. It just doesnt make sense. I received a follow up email on XX/XX/XXXX denying the claim again. I called the student aid ombudsman again on XX/XX/XXXX and spoke to XXXX. She referred my call back to the case worker to review my request and call me back. I have made payments every month since I started the program and recertified my employer every year since I started XX/XX/XXXX, except for three months of deferment ( XXXX ) to change my payment plan. I should have 78 qualifying payments as XX/XX/XXXX. The amount of time I have spent on calling, and writing letters and emails on this issue is insane. This program has been poorly managed and false information has been give hurting everyone who is enrolled. I have been a public servant for over 7 years and would like to be able to use the benefits of this program without the added stress in has caused me. Please provide a response. Thank you for your time, XXXX XXXX
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: regarding complaints ID XXXX & XXXX I have submitted today and I want to submit additional documents. According to the company response that I never agree with because the information are not true. Please find attached documents for your review. name on loan is XXXX XXXX I am XXXX XXXX is person who applied, be responsible for the loans and dealing with loan service for errors they made and forced the borrower to accept the loan term even borrower never agree with.
Company Response:
State: MA
Zip: 01824
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent multiple debt validation letters to the credit bureaus and the company with the most recent letter dated XX/XX/18. I have received a written response from the company. However, they never provided me with any documentation showing that I owed a debt to them. I have tried to resolve this issue for the last two years with no avail. However, they continue to report incorrect information on my report without adequately responding to my debt validation request.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: THIS HAS HAPPENED TWICE BEFORE!!!!! Monday XX/XX/2020 I called Fedloan Servicing at XXXX with a very simple question. After waiting 7 minutes I was answered by XXXX, employee ID # XXXX. She couldn't help me with question and transfered me to loan adviser. The hold time was expected to be 20 minutes. I was on hold for 1 hour 13 minutes 53 seconds. No one answered phone in that time and my line was DISCONNECTED! I called again, waited 15 more minutes and was answered by XXXX, employee ID # XXXX. I told her what happened and requested to speak with a supervisor. I waited for another 10 minutes just to be told there is a long wait time to speak with supervisor because SO MANY OTHER PEOPLE HAVE COMPLAINTS AS WELL! As stated above, this is not the first time I have had the hardest time trying to speak with a loan advisor or supervisor. I submitted 2 INCOME DRIVEN REPAYMENT PLANS last year that WERE NEVER PROCESSED and I was placed back on forebearance which dramatically INCREASED INTREST RATES!!!! I now have nearly {$2000.00} in intrest alone! It is IMPOSSIBLE TO GET MYSELF OUT OF DEBT WITH THE BEST INTENTIONS AND WILLINGNESS TO DO SO. This company is a shame!
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I meet all of the requirements for student loan forgiveness under PSLF. I applied and FedLoan told me I am not eligible until XX/XX/XXXX. My eligibility for forgiveness has been under review since XX/XX/XXXX, and the eligibility dates they have provided me have changed. FedLoan says my student loans were in deferment from XXXX - XXXX under XXXX XXXX XXXX. I know I made payments during this time. However, since I am no longer able to access my XXXX XXXX XXXX information online, I have requested my payment history during the time my loans were serviced by XXXX XXXX XXXX. I have requested this information from both XXXX and XXXX multiple times without complete success. I am looking for my full payment history as well as full customer service history during the time my loans were serviced by XXXX XXXX XXXX, specifically from XX/XX/XXXX - XXXX when XXXX XXXX took over my student loan. Although I do not have the full payment history from the time my loans were serviced by XXXX XXXX XXXX, I have a document from XXXX showing that I entered into an income based repayment plan on XX/XX/XXXX. This suggests to me that I began making payments after this date. ( document attached ) I also have documentation from XXXX showing payment history as far back as XX/XX/XXXX. This suggests my eligibility for loan forgiveness under PSLF should at least be XX/XX/XXXX. ( document attached ) My students loans would have been in deferment up until XX/XX/XXXX. However, once I entered into that payment plan, I dropped classes in the Fall XXXX semester and began making payments on my student loan as part of the PSLF program. My transcripts show I dropped classes and did not enroll in coursework to meet deferment requirements after that time. This also suggests to me that I started making payments. Otherwise, I would have continued taking classes to keep my students loans in deferment. ( document attached ) One last point I would like to make, my employment also meets the employment requirements of the PSLF program. I have worked for this same employer for over ten years. This has been verified and approved by FedLoan.
Company Response:
State: NE
Zip: 68510
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: my loan started in XXXX with aes. i defaulted in XXXX i then setup payment arraignments. Two payments twice a month for three years was withdrawn by aes. they claim they were not the ones who withdrew the money. i provided bank statements as proof. i have accrued thousands of dollars in fees and interest. when i cal, the customer services representatives are have been rude, unknowledgeable, condescending and confusing. after all this, i owe as much as when i started.
Company Response:
State: PA
Zip: 19014
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am writing so the state of my case can be documented appropriately. For approximately 6 months, I have been having ongoing and unresolved issues in my account. Initially, I did not submit by re-certification form for the 501c3 I work for, which caused by payment to go up from its former {$250.00} to {$400.00} in I believe XXXX XXXX. I paid on of these months as I was told my payments would be rectified once the form was approved. Since that time, I have experienced nothing by problems in my account, which are not only unsolved, but are getting worse. Upon seeing I was billed the same amount again, I contacted FedLoans and have received the following advise from different people : 1. Go into my account and pick a cheaper repay amount ( not possible ) 2. They'll put me into forebearance ( Never did ) 3. In XXXX, call back again, and they tell me they'll bill me {$5.00} and I'll go into forebearance ( also never happens ) 4. I call back yet again in late XX/XX/XXXX, and am billed the {$5.00} and pay it. During this phone call I was told that not only were by bills still {$450.00} some odd, but my XXXX bill is {$800.00}. This left me crying on the phone to an agent who told me that my account is one of the worst and messiest she'd ever seen. She was the only person who was ever significantly helpful to me, and the only person who got a manger to confirm that her advise was correct. If you still review my account, you will see that I was on direct pay, and consistently paid by {$250.00} every month. I also paid the one off {$400.00} as that was my responsibility. Since that time, FedLoan has given my tons on conflicting information and has even made my account worse. It is my goal, and has been my goal for months to get my account back to the {$250.00} payments. It is my current information that the {$5.00} payment will put me in forebearance, which will bring my account current, and I will then be able to get my {$250.00} payments reestablished. This has been an anxiety ridden experience for me. I then e-mailed XX/XX/XXXX to confirm that my forebearance is in the process, it will bring my account current to {$0.00}, and I will be free to change my payment plan and resume my {$250.00} payments.
Company Response:
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted a complaint to FedLoan Servicing in XX/XX/XXXX demanding they review my account and phone call recordings because I was given the wrong payment estimate when I called in XX/XX/XXXX and asked about enrolling in a plan that would be eligible for PSLF. They failed to account for my family size and spouse 's student loan debt and said my payments would be way higher than I could afford, so I didn't enroll in that plan. When I spoke with a rep in XX/XX/XXXX they estimated my payment under an eligible plan and it was almost exactly the same as the payments I had been making all along. Ever since my complaint, I haven't received any updates on whether or not they will count my payments towards PLSF or not. And even now that I have been in a REPAYE plan for over a year, the number of " eligible '' payments reported on my account for PLSF is 4. Just 4. I've been repaying on these loans and working full-time for a XXXX XXXX XXXX for 5 years. I should be half way done with qualifying for PSLF. I have notes from a call I made to FedLoan on XX/XX/XXXX where they informed me I was and had always been on a Standard repayment plan. I spoke with the following reps : XXXX, rep ID # XXXX XXXX, rep ID # XXXX What's worse is that the REPAYE is horrible. I'm looking at my payments and only {$30.00} of my $ XXXX/monthly payment is going towards principal. If I'm not going to ever get PSLF, I want to stop paying {$370.00} in interest to FedLoan every month and refinance with a better company into a standard repayment plan to just get it paid finally. I've called FedLoan 2-3 times per year and everyone has said " they are still reviewing/researching your account ''. Well, 2 years later I'm not going to wait any more. I want answers.
Company Response:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A