Date Received: 2019-11-12
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 90 days late payment on the dates XX/XX/2019. 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: 31705
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: FedLoan Servicing is absolutely ridiculous. NO HELP is ever provided, the customer service reps talk in circles and give inaccurate information. When trying to actually resolve my issues, I can never get a straight answer out of these people. Since dealing with these people, I have literally called at least 25 different times and I always get the " run around ''. Each time I have called, it always says, " this conversation may be recorded ''. Check my recorded phone calls! Since 2016, I have made ON TIME payments and they are saying only a small portion of the payments I have made actually qualify under the 120 payments for the Public Service Loan Forgiveness. I know I have made at least 36 payments and they are saying only 18 of those payments " qualify '' and they can't give me an answer as to why only a portion qualifies. Over the years, FedLoan Servicing has put my account in Forbearance at least 6 times without explanation or my approval. I told them to keep my account out of forbearance and they keep doing it. I also kept making my monthly payments, on time while they put my account in forbearance. Each time, my account was in forbearance it took an act of God to get them to take the forbearance off my account. I have filed a complaint with the Department of Education about Fedloan Servicing and all they did was send my complaint to FedLoan to deal with, which isn't right! It took over a month for XXXX with Fedloan to even contact me about my complaint and then my complaint was not resolved. I contacted XXXX again telling him I wasn't satisfied with my " results '' and never heard back from him or ANYONE in Fedloan Servicing. I have documentation and emails. And recently, they doubled my monthly payment without contacting me or providing explanation for doubling my payment, which I can't afford. Fedloan Servicing is the absolute worst loan company to deal with. Their customer service is terrible and they can't resolve any issues for you. Please look into this company and I would like to speak to someone about my issues!! Should I hire a lawyer??
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I obtained the student loans with AES back in XXXX and started repaying them in XXXX. Since then I have been making payments monthly, and when I look on my statement it states that I have paid back almost double the amount that I originally owed, but in addition to that, I still owe almost another two times that amount left to pay. No matter how much I pay, it never affects the principal but it also seems to keep making the interest go higher and higher.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: For the year of XXXX, I was on an income based repayment plan for my student loans from law school. I was paying {$130.00} per month, which was very manageable. When I went to recertify my IBR in XX/XX/XXXX, the website on which to recertify was not working. This website was myfedloan.org. Due to the website being down, I had to submit my recertification late. I have called and called and called and called, several times, over the past few months, and have never gotten a response from the contact number listed on myfedloan.org. I am either put on hold, only to be hung up on ; or when I press the number that will have them call me back, they never do. All of this has caused my monthly payments to jump from {$130.00} per month to {$1400.00} per month. I can not afford to pay {$1400.00} this month. Furthermore, when I was finally able to get my IBR recertified, my new income-based repayment was calculated to be {$450.00} per month, starting next month ( XX/XX/XXXX ). This is a {$300.00} increase from my original payment schedule. I can not afford to pay {$1400.00} this month, nor can I afford to pay {$450.00} next month. I wish to have my payments returned to {$130.00}.
Company Response:
State: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I can not get them to tell me the correct number of payments I've made toward Public Service Loan Forgiveness. I have two " loan sequences '' that should reflect an equal number of payments, but one sequence is one payment off from the other. A couple years ago they were 7 payments off from each other, and their " review '' resulted in that narrowing to a one payment discrepancy. At that time I had tried to get them to resolve it for over a year and they failed to do so. I filed a XXXX XXXX XXXX complaint and they finally addressed it but instead of a 7 payment discrepancy, there was one. I have been trying to get them to correct this one payment discrepancy since XX/XX/XXXX, so 13 months now. These are notes of my attempts to get an answer, including employee name and number : XX/XX/XXXX : XXXX XXXX, She said she will send back to processing for review and it will take 3-6 months. XX/XX/XXXX : XXXX - XXXX - no turn around time, up to one year to complete review, no guarantee about timeframe ; are backed up. XX/XX/XXXX : received letter that showed 86 qualifying payments on one sequence ( other sequence from last count said 85, so problem still not resolved ) XX/XX/XXXX : I called and spoke with XXXX XXXX - said something about overpaying by penny throwing off the count. He said he would have someone review it and get back to me through another letter. XX/XX/XXXX : XXXX XXXX - Matter is under review for an indefinite period of time and I will be getting " a detailed letter and phone call '' with the results of this new review. XX/XX/XXXX, XXXX - XXXX XXXX XXXX : One payment discrepancy still under review. Continue to submit employment certifications. XX/XX/XXXX, XXXX : I emailed asking them to provide an update on my request to have my number of payments discrepancy sorted out so I know how many qualifying payments I have made. XX/XX/XXXX, XXXX : I received a reply email stating, " We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. '' As of XX/XX/XXXX monthly billing statement, the discrepancy lingers, showing 98 qualifying payments on one sequence and 97 on the other ( see attached statement ). A couple days ago I filed another XXXX complaint, and today received a response from the XXXX that they can not assist, and directed me to the CFPB.
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am applying for PSLF. I submitted my first employment certification form in mid 2018. loan count for PSLF was lower than expected. I spoke several time with an ombudsman to have my loans recounted. at least 4 additional payments were identified during our conversation alone. I recently recertified with my employer, and the updated loan count is still not correct. Also, several loans that I was previously told would qualify for PSLF did not qualify.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: this loan provide keeps on calling my number a lot of times
Company Response:
State: AR
Zip: 72032
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have an account under a name thats not mine. They used my phone number, email, and social security for this matter. I cant access my own account or personal information.
Company Response:
State: TX
Zip: 78852
Submitted Via: Web
Date Sent: 2019-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-10
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: In XXXX I had a medical crises that required extended hospitalization and resulted in me moving in with relatives to be properly cared for during my rehabilitation. My student loan in XXXX were under a deferment. During hospitalization and after, my mail was was returned to the Department of Education. I was not aware that my loans had defaulted and not able to exercise my right to an oral hearing or a delay of garnishment because I did not receive the mail. I petitioned the Department of education to stay the garnishment and grant an oral hearing through their agency XXXX. I requested oral hearing to explain my circumstances and request hardship on XX/XX/XXXX and on XX/XX/XXXX. I sent all request via certified mail and both mailed and uploaded documents directly. The Department of Education has refused to grant my right to an oral hearing even though they know for a fact my mail was returned. I have explained that the Garnishment leaves unable to meet basic expenses or pay for the critical medical care I require. As recently as XX/XX/XXXX they refused my right to an oral hearing so that I may explain my hardship, and the circumstances that led to this action. I would like an opportunity to explain my plan going forward for repayment of my student loan debt. I, XXXX XXXX, am writing to request that the Department of Education review my request for a hardship reprieve from the Departments garnishment of my student loans. As, I've requested in the previous two garnishment hearings I am requesting an oral Hearing on this matter. I have not been allowed an oral hearing despite repeated request This garnishment poses a significant hardship for me. I am a single Mother of XXXX and am managing a chronic illness while employed full-time. The crushing stress and constraints brought on by the garnishment make it extremely hard for me to afford to take care of my children and afford medical care. I have supplied the Department of Education with my expenses previously. My expense have change and the garnishment is a severe hardship.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2019-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have informed XXXX on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed items that have been reported on my credit profile may be a result. I have no knowledge of these items or accounts as they are redacted, and I have also requested proof of the verification method XXXX has used in order to investigate and procure proof this item is accurately reported. XXXX had informed me to communicate with the creditor PHEAA to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. I have never done business with PHEAA my desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2019-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A