Date Received: 2020-01-28
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Last year XXXX the Department of Treasury was holding money out of my XXXX check and then stop around XXXX of XXXX. I called them and was told that my student loans where paid off, i asked if there was any more student loans. I was told no that they did not have any more loans. I was inform to call PHEAA and US Department of Education and ask both companies if I had any more student loans, they said I did not have any more loans. XX/XX/XXXX I received a Letter saying that I had 2 more loans from PHEAA to pay. So I called them and ask where the 2 loans came from, and that i want copies of the student loan. I was told that they did not have any paperwork for the loans. Ask how come they sent my a bill and not have paperwork for the loans. Then I said it bs that after i got the 3 loans i had paid off that 2 more loans magically appear from no where. This not the first time this has happen. I want to get this inspected and resolve before it is sent to credit agency.
Company Response:
State: MO
Zip: 63640
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Please reference previous complaint # XXXX, the same problems still persist. Since then I have paid in full one of the three loan balances, I have been making additional payments on the next of the three loans with lowest balance. AES continues to misapply my payments as instructed with a letter that accompanies each check. Further, AES insisted that I write a " Standing Payment Instruction '' or SPI for short, a letter that remains on file indicating my specific wishes for how each additional payment I make via mailed check be applied. Please keep in mind that I make regularly scheduled monthly payments by Direct Debit from my checking account, I have done so without a single missed payment since AES took over my loans in XX/XX/XXXX. Since AES received my SPI, which they acknowledged was on file as of XX/XX/XXXX, AES has not only misapplied my additional payments by check, they have also misapplied my regular monthly payments by EFT as well. Essentially, they are doing exactly the OPPOSITE of what my SPI directs them to do. Since the SPI was received by AES, 5 payments have been misapplied in direct contradiction to the SPI, 2 were regular monthly EFT payments and the other 3 were checks sent by mail directed to pay the balance of the subsidized loan balance only. On Thursday XX/XX/XXXX I called AES Customer Service to have the payment reapplied, which they have failed to do in a timely manner. A copy of the SPI letter, the mailed checks with accompanied payment instructions, and the most recent account payment summary is attached. AES has misapplied a total 14 of 23 payments made by check and sent by mail, now also add to that 2 payments made by automatic debit have also been misapplied.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
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 have for several years tried to challenge this loan for discharge through the proper channels. I was sent the wrong forms by the phone team many times. Most recently I believe it is frozen for proper investigation? Can we confirm thos status please? Also there is incorrect negative credit reporting on all 3 bureaus ; XXXX, XXXX and XXXX that show I have missed, late payments from the aforementioned issue. I was told the credit report is showing for XX/XX/XXXX a 90 to 119 days late. This is hurting me and keeping me from getting a job. Please update this immediately. Also, the below XXXXXX/XX/XXXX rep and office, as well as the Maryland attorney generals office volunteers emphasized they do not like handling ny complaints in good faith. They obstruct my legal rights. You will see a culmination of phone team abuses, phone team social justice warrioring and an overall distain for me having a credit score with purchasing power. All of this destroyed by bratty phone reps and complex tech errors. Please handle each complaint without profiling the number of complaints. Please consider legislation the allows transparency and immediate receipts from each business phone transaction. The individual needs to be able to wire tap business transactions for accountibility if not. All problems since XX/XX/XXXX stem from kids not liking my tone then sarcasticly transferring me in circles messing up ny accounts. I left a clear record timecapsuled for all agencies how social justice warriors in the phone illegally sabotaged my american dream. Please correct these scams. I give up and will not have children here or participate sincerely in business until fixed.
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hi I started working for the XXXX XX/XX/XXXX. I decided to apply for Public Loan Service Forgiveness ( my previous employer also qualified ). I submitted the application in XXXX and it took months to get switched over to Fed Loan Servicing ( my previous servicer was XXXX XXXX ). I applied for an Income Driven Repayment plan on XX/XX/XXXX. I have attached the confirmation e-mail here. It originally said online I would hear something by XX/XX/XXXX which did not happen. I called at the beginning of XXXX and they said it takes a long time the first time. They allowed me to pay {$20.00} for the month of XXXX which I agreed because my payments would not count towards PSLF unless I am on an IDR plan. I logged on yesterday and it now says I am on a standard repayment plan and owe over {$2000.00} in XXXX. My IDR application still just said " received ''. I submitted a new application XX/XX/XXXX. However, now when I log in I can only see the new application and not the original. I can not afford to be on a standard repayment plan. I applied for IDR XX/XX/XXXX and when I called they could not explain what the delay was. These are also months where my payments could qualify towards my 120 payments but they will not qualify because Fed Loan Servicing will not process my IDR request
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Studentaid.gov login issue is discriminatory. The Studentaid.gov login process creates an unfair burden on borrowers with a Puerto Rican area code. The Studentaid.gov website requires that you verify your cell phone number prior to accessing any account information. This process includes Studentaid.gov sending your cell phone a text message with a unique code to enter into the website. Due to the fact that my cell phone number has a Puerto Rico Area Code ( XX/XX/XXXX), Studentaid.gov is unable to text me this code needed to login. This makes logging into the system very difficult because cell phone verification is required to proceed to account status - I had to delete my cell phone number in order to proceed. Despite the workaround of having to delete my cell phone number ( I was ultimately able to login ), my ability to full utilize the website is hindered by not having a cell phone number as an available account recovery method. Given that the majority of people who live in Puerto Rico and/or have Puerto Rican area codes are Spanish speaking or belong to a minority group, this practice/policy is discriminatory, and creates a hurdle for people living in Puerto Rico to access their account information that people living in one of the US states do not have.
Company Response:
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Previous loan servicer ( XXXX ) processed income-based loan repayments for public service loan forgiveness at {$.00} less than qualifying amount for nearly 3 years. The repayments were on auto-pay. Now I am nearly 3 years behind schedule for loan forgiveness. I contacted my new servicer ( FedLoan ) and they took nearly a year to review my issue, but it was denied. I asked for another review several months ago and have not been updated yet.
Company Response:
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Did not count my payments from old servicer ( XXXX XXXX ). Had contacted my congressman, DOE ombudsmen and FedLoan multiple times. Still haven't correctly counted my student loan payments.
Company Response:
State: NJ
Zip: 07728
Submitted Via: Web
Date Sent: 2020-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loans were handled through XXXX until I submitted the request for public student loan forgiveness for social workers in XXXX. In summer XXXX, my loans were transferred to FedLoan Servicing. At that time, they informed me that they will need a few months to sort out my number of payments from XXXX to give me an accurate number of student loan payments made toward the required XXXX. After a few months, I contacted them again and each person I spoke to did not give me any information, stating it was still under investigation. Finally after they were investigating for a year ( so in summer XXXX ) I was adamant for answers and was told it was not counting my loans from all the years prior because I was delinquent in my XXXX loans supposedly and behind on payments. Obviously I panicked because I was never behind ever so I contacted XXXX who sent me documents proving I was not behind on payments ever and I sent them to FedLoan. However, they still refuse to give me additional information, still refuse to count my years of payments toward the loan forgiveness, and overall are poor at communicating and helping. They claim that I made only 10 payments when I have made payments every month since XX/XX/XXXX, meaning at least 48 payments. They are taking advantage of people and their privilege to be the company designated for student loan forgiveness programs and Ive had enough.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I currently have 7 consolidated loans in repayment under the IBR plan. I transferred my loans from XXXX to Fedloans in XX/XX/2017 and asked to begin certifying payments for PSLF forgiveness. Fedloans said that the payments from XXXX would require a manual certification and would take 6 months. It has now been over 2 years and only two loans are updated with the correct 79 payments. The other 5 loans are still at 51 payments despite all loans having the same number of payments made. I've called innumerous times over the 2 years and counts have been " expedited '' several times. I most recently called this month and the fedloans representative said she has never seen it take this long to certify the payments. I'm looking to buy a house and need an accurate number of certified payments for my financial planning.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A