Date Received: 2019-11-09
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: On XX/XX/XXXX date disbursed repayment start/ deferment end date XX/XX/XXXX principal balance {$3500.00} payment amount {$37.00} due day on XX/XX/XXXX XX/XX/XXXX principal balance {$6200.00} payment amount {$67.00} due day total current payment due monthly {$100.00} estimated to to be repaid unpaid principal balance {$9700.00} accrued unpaid interest to be capitalized {$98.00} interested payable {$2600.00} total amount to be repaid {$12000.00}
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2019-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Delinquent accounts showing in my name on my credit that was not opened by me.
Company Response:
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2019-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
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 180 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: 398XX
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
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: FL
Zip: 32311
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I attended XXXX in XX/XX/XXXX for 2 semesters signing loans with XXXX XXXX. Then it was taken over by XXXX XXXX. For almost 5years they kept sending me Forbearance forms to put a hold on my payments for every six months. A few years after that XXXX took over and by XX/XX/XXXX my total debt had climbed too a tremendous amount of over {$82000.00}. I qualified to lower my payments with the IDR Program but after 6yrs now the balance had not decreased. XX/XX/XXXX FedLoan took over my loan because I am on the Forgiveness Program that after 120 months of payments FedLoan will forgive the rest of the balance. I am awaiting to get a respond from them.
Company Response:
State: TX
Zip: 78537
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Account # XXXX I recently filed a complaint about me not receiving credit toward PSLF due to being in Chapter XXXX bankruptcy. My FedLoan is in bankruptcy status even though my student loans was not included in the filing of the bankruptcy. The response I received from my previous complaint stated " Because you previously stated that your Direct Consolidation Loan should not have been included in the bankruptcy process, we are responding to your concerns, in general, until the documentation required to end the status is received. " I provided documentation XX/XX/2019. I uploaded the document in the drop box of FedLoan. I am going to attach it to this complaint as well as a screen shot from the trustee website.
Company Response:
State: GA
Zip: 31705
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello I appreciate the hard work you do. If there is any chance to look into myfedloan.org for not keeping records of what I paid them since XX/XX/XXXX on my school loan. I owe XXXX in school loans which started at XXXX that I started paying 12 years ago. They just told me yesterday that none of my payments have gone towards it. They have no record of my payments before XX/XX/XXXX even though on their website it says it started in XX/XX/XXXX. Anyway keep up the good fight, thanks for listening. XXXX XXXX XXXX PS- I have never reached out for any help in 59 years of living in Ohio .
Company Response:
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been in PSLF-eligible payments since XXXX of XXXX. FEDloan is documenting only 48 qualified payments out of 82 ( 12 payments in each of XXXX plus 10 payments in XXXX so far ). I have always had PSLF-qualified loans AND payment plans. I have submitted employment eligibility regularly over the years, and that is documented in my accounts.
Company Response:
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have requested FedLoan to look into all my payments and to see which qualify for income and loan forgiveness. Seems to me they're dragging their feet. I've been a long forcement since XXXX end is XXXX I should have one more year left but they're telling me since I wasn't under the program I don't qualify even though I can prove that I've been in love working XXXX why shouldn't matter that I wasn't under the program?
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I periodically have to have my university file paperwork with Fedloan servicing to prove Im taking graduate courses and am eligible for loans deferment. While I understand they need proof, in the time it takes them to process the request, my loans accrue interest that I have to pay and they dont reverse it, even if they were informed of my classes starting at an earlier date. Most recently, however, after my school filed the paperwork, they placed my subsidized loans into forbearance when they should be in deferment. Theyre illegally charging me interest on my loans. Their customer service and response times are HORRIBLE. I feel helpless when dealing with them and they know theres nothing I can do about it. Its easier to just pay the interest but its infuriating to know they get away with this. I can only imagine how much they profit off of illegally collecting interest when individuals like me are eligible to not pay interest. They really need to be investigated and held accountable!
Company Response:
State: CA
Zip: 93010
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A