Date Received: 2019-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: student loans that is under my record which I haven't had no student loans. I had call the company and they say they will erase it but they haven't. I need them to check whos identify thief of my information
Company Response:
State: TX
Zip: 77039
Submitted Via: Web
Date Sent: 2019-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/2019 I sent you a letter requesting that you provide me with the original documentation that bears my signature for my account, you then took the liberty to reply back with my Credit report claiming this account to be verified without sending requested document. As a consumer I have the right to request such documents and you have the responsibility to disclose this info to me. Please do not send me another letter refusing to investigate this
Company Response:
State: AZ
Zip: 85033
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: After several phone calls I received a voicemail and returned the phone call to the XXXX XXXX XXXX XX/XX/XXXXXXXX. I had also just received my first loan payment letter stating I had a payment that was going to be due in the next month. I had the semester off during Fall'XX/XX/XXXX but already enrolled for Spring 'XX/XX/XXXX. I was confused by the notice and the phone calls from this company. I had gone ahead and called the XXXX XXXX XXXX XXXX XXXX back to see what the deal was with their calls. I spoke to a man named XXXX. He already had all of my account information which seemed both alarming yet reassuring to me. I felt that the knowledge of what I went to school, the company my loans were through and the history of my loan payments made things seem more legitimate. There were very few errors in the details he told me regarding my current loans and status. I am very skeptical so this is an incredibly embarrassing situation for me to be in right now. Going through the process of giving him the information of the company I currently work for, the approximate yearly income I was making and a few other details that did not seem to be too sensitive, not my SSN, DLN, account numbers or anything of that nature. He informed be that I qualified for a public service loan due to the hospital where I currently work. He then informed me of the payments I would be making for the first five months and so on. These numbers seemed way way to good to be true, so I continued to ask some more questions about the adjustments, where to see this information posted and so forth. He informed me that everything would be visible through the loan website where my government loans were taken out of. This was easy to do! What had I been waiting on? What a deal! What I was not expecting, because there was no permission and no bank account information given, was to find in the following week for {$450.00} to be taken from my account. This occured the following month as well. In an attempt to immediately address the problem I called the company who is in charge of my loan to inquire, as well as my bank. Due to the XXXX holiday these places were closed. Following the XXXX holiday a second withdraw was made. This again was not something that was approved or authorized by me. This is being done through a bank account that the account numbers have never been shared and I am the only name on the account. I have no idea on how this happened. I immediately tried contacting the SFLA company to see what was happening. I called their listed number, XXXX and waited for the prompt to enter XXXX XXXX 's ext. in, that prompt never came. I sat and listed to the hold music for over 1 hour and no one every answered the phone. I have filed a fraud notice with my bank for the grand total of {$910.00} transactions on XX/XX/19 and XX/XX/19, for an investigation or at least fraud protection to be set in motion. Please look into this company and shut it down.Thank you.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am writing to complain about the incorrect recalculation of my student loan payment pursuant to my income recertification under the Income Driven Repayment Plan. This complaint is also being submitted to the Consumer Financial Protection Bureau ( CFPB ). I submitted my first income recertification for XXXX on XX/XX/XXXX to FedLoan Servicing ( FedLoan ), and was informed that my new monthly payment amount would be {$1800.00}. My prior monthly payment amount was {$730.00}. I contacted FedLoans on XX/XX/XXXX to question the new payment amount, given the significant increase ( a percentage change of 250 % ). The FedLoan representative I spoke to confirmed that they had received my income recertification and that it appeared the calculation of the new monthly payment failed to take into account the student loans my wife has ( she also has federal student loans which are being repaid pursuant to the Income Driven Repayment plan ). The representative informed me that I needed to submit a request for immediate reconsideration of the income driven repayment calculation, which I did that same day ( XX/XX/XXXX ). In the request for reconsideration ( which was submitted using the Department of Education IDR template form ), I checked the box to confirm that I am married, that my spouse has federal student loans, input my wifes SSN and other personal information, that we are married borrowers filing jointly, and we both signed and dated the form. We also provided the required income documentation. This is in addition to the full and complete tax information for my spouse and I that I provided with my original recertification application. A few hours later, I received an update that because of my second income driven repayment calculation that the monthly payment amount would be {$1800.00}. In submitting the income documentation, I confirmed that my household income ( my wife and I combined ) increased approximately 26 % year over year ( XX/XX/XXXX to XX/XX/XXXX ). However, this percentage income increase does not support an increase of monthly payment amount of 250 %. Neither myself or my wife have received a request for FedLoans to access my wifes student loan information in the National Student Loan Data System, which leads me to believe that the recalculation methodology which results in a monthly payment of {$1800.00}, has again failed to include my wifes federal student loans and their repayment amounts in the calculation. This again resulted in an erroneously high monthly payment amount. I have submitted all the required paperwork and provided all required consent so FedLoan can properly calculate my new Income Driven Repayment Plan monthly payment amount. I am requesting that that FedLoan follow their calculation methodologies ( which includes calculation of the monthly payments required on my wifes federal student loans ), and review my prior submissions. I am also requesting that that FedLoan provide a detailed calculation explanation for how the new monthly payment amount was determined.
Company Response:
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I finished my XXXX XXXX in XXXX of XXXX and went back for my XXXX XXXX in XXXX of XXXX. The deferment I had only lasted till the middle of XXXX of XXXX and a repayment was scheduled for a few days later. I was late on the XXXX and XXXX payments in XXXX and started getting calls in XXXX. I called back because I thought they didn't have me listed as enrolled ( they didn't ). I was told they would apply forbearance to my account and everything was taken care of all I needed to do is get my school to confirm my enrollment. Recently, I have been looking into a private student loan to cover XXXX school and am working on my credit. I noticed my payment percentage is relatively low and found out the payments that had forbearance applied to them are shown as late and 100+ days past due. I talked to my loan servicer ( FedLoan ) and figured out the part about the forbearance as it had been long enough I had trouble remembering. I asked them why they were still listed as late and they told me since the forbearance was retroactive they are still late. From my understanding that doesn't matter since the payments are not being required and is true regardless of whether or not it is retroactive. I haven't seen any comments refering to the forbearance on my credit report either and asked if them not correcting the payments violated 632 ( a ) ( 2 ) of the FCRA and they didn't say anything definitively just insinuated I wanted them to do me a favor. I have all the email correspondence if it is needed. I may be wrong about it, but from what I've seen it I don't think it works that way and it is really felt like they have tried to push me to not question any of it.
Company Response:
State: OK
Zip: 74075
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Since XXXX I have been getting misled by FedLoan Servicing and let it go.XX/XX/XXXX I decided to work on getting issues resolved by calling FedLoan Servicing for help. Each and every time you call, a different customer service rep advises of something different than the last rep. I was told to have my payments reduced and they did. Then I was told to send in claim forms so the XXXX qualifying payments would be adjusted to reflect on account. XX/XX/XXXX I contacted FedLoan again ( they try to wear you out and discourage you from trying to fix it ) and requested an audit. XX/XX/XXXX the letter they sent to me still shows no audit and no accurate count of payments made each and every month. XX/XX/XXXX-XX/XX/XXXX nothing done. After complaining again, XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX an adjustment was made to show " 2 qualifying payments when in fact there were 4 ''. My employer re-faxed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX claim forms because rep XXXX XXXX ID # XXXX stated " noting received since XXXX ''. Today, rep XXXX XXXX ID # XXXX claimed my employer sent all claims for all years XX/XX/XXXX, which is false. FedLoan altered the name of the employer to make it appear I'm not working at the same place although claim forms indicates " Still Employed '' and the Federal EIN # is the same from XXXX and XXXX. FedLoan ( XXXX, XXXX and others ) will tell consumer " claim not received and to resend '' but when you resubmit, claims are rejected because they are all sent at once. Never ending cycle of no assistance and misleading. Also mislead you by telling you what you should pay only to find out that the payment you were told to pay is not a qualifying amount. Each month, your loan balance nor the interest you owe ( outstanding ) changes-even after doing what the rep tells you to do. There is no escalation dept., no audit department, no one in the entire company that customers can speak with for help.
Company Response:
State: FL
Zip: 32073
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received an email this morning stating that I was now enrolled in direct debit by AES to repay my student loan. Someone at AES broke the law as I never agreed to a repayment plan in the amount listed, I never signed any repayment agreement for the amount listed, I never consented to be enrolled in direct debit. Someone at AES committed a crime by using my bank information to take money out and direct the funds to AES. I have contacted the FBI to investigate and prosecute whomever conducted this illegal activity and authorized the illegal activity.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My loan is at a fixed interest rate of 4.29 % for a total loan amount of {$3100.00}. Whenever I pay a payment, accrued interested has been anywhere between 20 % - 65 %. For example, one month I paid XXXX {$37.00} went to the actual loan while XXXX went to interest. Other months I've paid {$50.00} when XXXX went to interest and XXXX went to the actual loan. Every time I go to pay, this is happening. I don't agree with their interest accrued formula and how much they taking for interest. When I applied to the school they advertised my fixed rate with no information about this " accrued interest '' Between the school 's false advertising and the lendors interest formula this is a serious scam.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A