Date Received: 2019-11-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Annual re-certification of income for Income-Driven Repayment ( IDR ) plan. This happened in XXXX and is happening again ( XXXX-XX/XX/XXXX ). IDR application submitted, with direct guidance from FedLoan ( we have notes of employees, employee numbers ) as they walked us through how to fill out the application so we did not experience XXXX again - which was they denied IDR, moved our monthly payment to {$1000.00} due to some box being checked " incorrectly '' but as guided by their employee. In XXXX, they also ( after many many calls ) assured us they would expedite the application and not run the {$1000.00} payment. They processed the {$1000.00} payment, and we had to go to our bank to cancel after being assured it would not be processed. Back to XXXX, same thing all over again. We deliberately call FedLoan to assure we do application correctly to avoid XXXX situation. Then they deny application, again after following each of their steps they directed, We talk to them and the most recent rep walks us how to fix the wrong application ( again which they directed us to do ). Now after months of sitting there, and they wait until the deadline for annual re-certification and say the {$1000.00} payment is due since the applications were denied. Again, it is a long history but the main idea is that we get different answers from different FedLoan reps - each assuring us it will all be fixed, expedited, application is correct, etc, etc but the end result is utter failure to honestly and consistently service my loan and work towards PSLF program. The emotional stress and actual time on phone is so intense and just is not right that a company can do that to people. I can't imagine the people who don't have a partner ( like my wife ) who as a XXXX veteran is home to deal with this company. Please, please help us.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Fed Loan Sevicing auto changed my student loan accounts from repayment to deferment, due to school enrollment, so I notified them to turn it back, because they did this to me in 2018 and I had already notified them back then to not do that, and they never notified me to send back a form. Now they are doing it again even though they have records of me participating in the PLSF program and notifying them to not remove me from repayment, but they take days to respond. The form they also sent me states I am able to fax it in to their number, but I do fax it, the fax states it is unable to connect to their line, so they are lying on their website and forms on how to submit documents.
Company Response:
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loans were previously being serviced by XXXX, but when I applied for the Public Service Loan Forgiveness they were immediately moved to FedLoan. My loans have now been with FedLoan for about 2 months and they are not showing any of my previous qualifying payments! Some of my loans should be ready to qualify for forgiveness now, but FedLoan says they don't know why my payments aren't showing. I have emailed them multiple times, asking for these corrections to be made but nothing is happening!
Company Response:
State: CA
Zip: 92102
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2019 I sent a dispute letter to Fed Loan Servicing about the student loans they claim I owe. I asked them to send me verifiable information for the accounts and the information that they sent me did not constitute the {$210000.00}. They sent me a promissory note from a school and had a lot of information redacted and if this was supposed be a document that was mine it should not have had information withheld and if one school has charged this amount of than they were doing some money laundering and should be charged Federally. They sent me an itemized bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Fed Loan Servicing and they continue to report negative information to my report and did not respond to my letter. Their reporting is a violation and continues to prevent me from moving forward with my life and prevents me from finding means to provide for my family.
Company Response:
State: FL
Zip: 34990
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have been trying to get answers about my application for forgiveness of student loans through the public service loan forgiveness program. Im trying to get a listing of which payments have counted towards the qualified payments they have to make sure theyre all accounted for. There are payments from prior loan servicers that I havent gotten information about. Its very frustrating because I could be done with student loans and Id like to make some life decisions for my family. Thank you
Company Response:
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am in the Public Service Loan Forgiveness Program at the U.S. Department of Education. I have been in the Program since XXXX of XXXX. Pennsylvania Higher Education Assistance Agency manages this program for the Department. Every single year, PHEAA messes up my qualifying payment count for the PSLF. One year they even removed years of qualifying payments and reset me to zero. My current complaint is as follows. I submitted an updated Employment Certification Form on XX/XX/XXXX. It has not applied and the time stated has been exceeded. Further, it has come to my attention that PHEAA is again not counting my payments properly. I contacted the Ombudsman 's Office at the U.S. Department of Education and am again filing ANOTHER complaint with you seeking assistance to get this resolved.
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am currently in the PSLF program which is serviced by FedLOAN ( US Dept of Education ). In XXXX of XXXX, I noticed they had incorrectly calculated the number of " qualifying payments '' to my account. At that time, at their request, I made a formal complaint for a recount. I received a partial recount update last year ; however, again, they are woefully shy of the roughly 7-8 years of payments I have made since XXXX being employed full time by 501 ( c ) organizations, where I remain working full time teaching medicine to this day. I call FedLoan every 3-4 weeks and continue to be told, " we are sorry, we are understaffed. We no longer have a timeline when your request for a recount will be done ''. This severely impacts decision-making for my career and further negatively impacts my decision to consider working in an area of severe unmet medical need. This process has now entered is 3rd year since my requests.
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I took one semester of classes during residency in XX/XX/XXXX and took care to reverse the student deferral of loan payments that was put into place without my requesting it. I continued to make payments during the semester but later found out that fedloan servicing had not counted those payments toward my 120 payments for PSLF. I initially called about this in XX/XX/XXXX. All of the individuals that I have spoken with at fedloan servicing agree that the payments were made and should count toward the 120 payments. I have called about every 3 months since XX/XX/XXXX and this complaint still has not been resolved after over 2 years of trying.
Company Response:
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My payment count for the public service loan forgiveness plan is off by 7 months worth of payments. FedLoans is unable to give me a list of payments that they have verified so that I can compare the two to determine where the difference is. I submitted a request for a recount and list of verified payments in XX/XX/XXXX and again in XX/XX/XXXX. I called again today and was told they are still processing my request and cant give me a timeframe for when this will be complete ( despite the first request being made 15 months ago ).
Company Response:
State: AZ
Zip: 85304
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been repaying my federal student loans since XX/XX/12 through XXXX XXXX and then XXXX and switched to fed loans in XXXX i have always been enrolled in a income based repayment plan and worked for non-profit. i am still waiting to an updated loan count from XXXX which i requested in XXXX the only loans " counted '' have been for the months i paid through fed loans. i have called fed loans multiple times for an update and was told there is no way for them to tell me why there has been a delay.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A