Date Received: 2019-09-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: For over the past year I have been trying to make larger payments on my student loans to help get them paid off. I noticed that my balances barely ever looked like they were getting any lower. I contacted them through email as their phone line is impossible to get through. I was sent back a generic response for if I needed assistance because of inability to pay. I had to spend over an hour trying to dig through information on their website so find out that they were putting any extra money that I clearly stated on my checks was for principal towards interest. This is sneaky and only in their best interest. I want all of my payments fixed!!!
Company Response:
State: NH
Zip: 034XX
Submitted Via: Web
Date Sent: 2019-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Since the last three years several accounts keep reappearing on my credit report after filing disputes. Several paid off accounts. Student loans history as well that were consolidation. In addition, I have a fraud alter on my report and i still get plenty of inquiries.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2019-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018, 120 dates late as of XX/XX/2018, 150 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018. 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. I did not worry about making a payment when i was not receiving statements because I thought that loans were in deferment.
Company Response:
State: AZ
Zip: 85035
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I consolidated all my federal student loans XX/XX/2010 and entered into an income based repayment plan with payments beginning XX/XX/2010. I have submitted employer verification forms certifying I have been working for either non-profits or a government agency since then. FedLoan Servicing initially denied 5 months as eligible The reasons given for the payments being ineligible are inaccurate ( FedLoan stated they did not receive payment for a month even though I am enrolled in auto-debit and my bank statement clearly shows they withdrew the funds from my account, another month was claimed to be in forbearance even though I never applied or requested that, and the initial 3 months of payments were through XXXX with no record that they were in the Income Based Repayment Plan ). FedLoan has been " reviewing '' 5 payments for over two years. When I call to ask for a status I'm told they need " ample '' time to review and there is no timeline for completing the review.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I applied for two personal loans for my educational expenses while enrolled at XXXX University. This loan was applied through XXXX. This loan is managed through American Education Services. One loan was dispersed XX/XX/XXXX the loan amount was {$4000.00}. As of XX/XX/XXXX I have paid {$2600.00}. According to American Education Services this loan as of XX/XX/XXXX the total due is {$3400.00}. I have written letters asking for clarification regarding the balance and lack of regular statements. I have written letters on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is not a complete.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I consolidated all loans in XX/XX/2018. AES was still receiving my payments every month and cashing the checks from my chase account. AES had been paid when i consolidated with fedloan. i called them and they told me to call XXXX. XXXX told me to call AES. AES wont refund my money or let me talk to someone in finance. It is the runaround and AES has cashed 19 checks for XXXX out of my account and never applied to the loan because the loan was paid in full by fedloan as it was refinanced. AES kept my money. please help.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
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 with MyFedLoans. I have been employed with the State of California for almost 7 years, and have been making payments regularly under PSLF. MyFedLoans have still not provided me with an accurate accounting of my loan payments made, after countless phone calls and emails to them. My MyFedLoans account is not up-to-date, and I would like this fixed immediately. Some of my loan payments have been counted this calendar-year, and some have not, with no explanation from MyFedLoans. I would like this issue resolved as soon as possible.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Fedloan servicing student loan is reporting 63 late payment on my credit report. Which is inaccurate I always pay my bill it should be 0. Account number XXXX
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Im enrolled in the public service loan forgiveness program ( which means that I'm also enrolled in an income driven repayment plan ). I have it to where payments are taken out every month. I noticed they didn't take out payments the last two months. When I called and asked them why, they told me than when I enrolled in classes at XXXX XXXX required for my teaching certification ) that my account automatically went in to forbearance. That was the standard operating procedure, even though I paid cash for my classes. They said I should have submitted a deferment waiver. NOBODY told me that and because of the forbearance, my interest was capitalized, making the total amount for my loans increase {$2000.00} within just two months. This is unethical. I looked through all my fedloan paperwork about PSLF and IBR and they don't mention this anywhere.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: FYI.. none of the prior options to select were pertaining to my issue : I received an XXXX Degree from XXXX XXXX University in XX/XX/XXXX. Shortly after the school was called XXXX ( so have a degree for a school no longer in existence ). I have continually worked for a non profit organization and have paid income based repayments for over the 10 year requirement ( 12 years at this point ). I had initially sent required docs in XX/XX/XXXX to the Department of education so they would know that after my 120 payments, the balance should be forgiven. At that time I received a response that I had not yet made the required payments so to resend info once that part was complete. They mentioned no other issues. Then in XX/XX/XXXX after all required payments were made I sent a new request. I then received a letter stating that I was not consolidated with the right kind of student loan company ( which offers the option on their website ) so I wasn't eligible for the 10 forgives. My loans have increased by over {$10000.00} after paying for 12 years. Since the school switched to XXXX and XXXX failed, allot of students are having the loans wiped out totally. Apparently I don't qualify because my XXXX degree was completed. ( loan balance now XXXX - for an XXXX ). I am simply looking to get the forgiveness that was advertised on my loan holders website. I consolidated with American Education services. Initially was told I keep federal benefits consolidating through them. Working non-profit I have gone without raises for most of the years I have been here and in fact my income has dropped. Was recently told to reach out to CFPB to see if anything can be done.
Company Response:
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A