Date Received: 2019-09-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have noticed that the balance of my loans has more than DOUBLED out of the blue. I went from XXXX to over XXXX!! That is IMPOSSIBLE and I cant get anywhere with the lenders. I would have to have gotten a ridiculous number of degrees to have this even be feasible. Please help!! This is also concerning ; XXXX reported each course as a single loan?? This MEANS it looks to the world like I was awarded many dozens of single loans. THIS RUINS credit scores NO MATTER how good my credit is otherwise! I am beyond upset and overwhelmed and do not know where else to turn for guidance and help.
Company Response:
State: KY
Zip: 40207
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: Received bad information about your loan
Consumer Complaint: Hello, In reviewing my Public Service Loan Forgiveness payment updates documents, I noticed a discount of six previously counted payments. Specifically, XX/XX/XXXX and from XX/XX/XXXX. For the period between XXXX I am listed as making 6 qualifying payments in the XX/XX/XXXX document from FedLoan. The XX/XX/XXXX document lists 0 qualifying payments for that same period between XXXX. Both FedLoan payment records and my personal bank statements list payments being made during that period. Please assist me in addressing this this blatant incongruity.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Regarding, my school loans with Fed Loan Servicing has been the worst experience of my life. Had I known in hindsight that this would be the most negative effect in my life I would not have attended college. Unfortunately, I was not able to choose who my loan servicing would be throughout the duration of my education. After, attending the summer of XXXX courses I spoke with Fed Loan servicing and informed them I had lost my job and was going through a financial hardship. At, this time I was informed I would be placed into a forbearance period. However, this information was not updated correctly by Fed Loan.Fed Loan reports they had not heard from me at all. Fed Loan even reported they made contact with me which, I have not been provided proof they in fact did. Fed Loan reported 126 late payments 60/90/120 days for the year of XXXX through XX/XX/XXXX as delinquent. Upon, applying for a mortgage my FICO reports were pulled and I saw this information. After, reaching out to Fed Loan several times speak to several agents I have been provided with unsatisfactory totally ABYSMAL customer service. The people I have spoken with are rude and not knowledgeable at all of anything. All representatives give different information that is not correct. They put you on hold and act like they are really trying to help you and dont. They are laughing and eating in your ear as if they are not dealing with people financial history which is serious to me. Despite, me calling I have written several letters and no correspondence I have received back. Friday XX/XX/XXXX around XXXXXXXX XXXX. EST I spoke with a representative named XXXX who was very condescending over the phone regarding my account. I explained to her my situation, her response : ITS YOUR FAULT YOU DIDNT CONTACT US YOU SHOULD HAVE KNOWN YOU DID NOT PAY YOUR LOANS! She said this upon me explaining my situation. She also stated that plenty of letters was sent out to me that I had never received. She also, stated that the letters came back because of incorrect address. As, I explained to her due to this its reflected negative payment history. Once, again she was very rude in her explanation and made me feel worst about my situation. I then requested to speak with a manager, and she put me on hold for five minutes and disconnected the line. She also did not call back. I have requested GOODWILL adjustments from Fed Loan and they all have been denied. The first thing I have been told from XXXX ( Manager ) rep id number XXXX that those adjustments cant be done. However, this is not true because the Department of Education does allow one GOODWILL adjustment. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. XXXX This clearly shows that Fed Loan is being in non-compliance with Section 623 ( a ) ( 2 ). Since, Fed Loan does not want to be in compliant of the laws then I will move on to my next step of action. This company feels that they dont have to abide by the laws because there is a Federal Student Loan servicing. Fed Loan has hindered me TREMENDOUSLY from getting a mortgage, a career in my field, and also refinancing my loans with XXXX XXXX XXXX XXXX.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: THere requesting proof that i didn't have a high school diploma at the time of enrolling and i've submitted several time my transcripts ( see attach ) XXXX XXXX shows i received a certificate of completion and blue shows my GPA it even goes on tp the date the transcripts were printed underneath the XXXX XXXX to show i still to this day do not have a High School Diploma or GED per the XXXX XXXX XXXX XXXX XXXX. Also to add XXXX XXXX XXXX XXXX XXXX can not provide such a letter your requesting per the school Board and the State of Florida Rules. The Only thing they can provide is a letterhead that says just what my transcripts say. Then they ask me to get proof that i didn't do a competency test from XXXX and i did inform them that time i was enrolling they didn't ask me and when i did ty to get this info was not on file and furthermore XXXX required high school Diploma they were not a trade school and only trade schools did competency test.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Fed loan service is reporting a loan twice on my XXXX credit report. There are a total of six loans reporting when there should only be five. The amount is more than what it should be please remove the sixth ( duplicate {$3100.00} ) account immediately! This is my eighth complaint and no one here is taking responsibility.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: To whom it may concern : I am writing because for the last 2 years I have submitted an employment certification from that appears to have been processed because I receive a letter stating my employer qualifies. However the letter states I should be getting a notification of my qualifying payment count, the estimated number of payments still required and the date I should be expected to be eligible to apply for forgiveness. The only time I have received such a notification was the very first time I submitted an employment certification from several years ago, before my loans were transferred to MyFedLoan. Below is the email chain of communication I've had with MyfedLoan over the last year. After the first email reply I was told the information would be mailed out within 20 days. I'm tired of poor customer service with no follow through and no consequences. When I call I'm continually told misinformation which is why I now try to only communicate in writing with them. I feel that my loans have been continually mismanaged since being transferred to MyFedLoan to the point that I feel they're actively trying to cause errors so that I can't qualify for the public service loan forgiveness program. Thank you for any help you can provide, XXXX Start of copy of email communication with FedLoan Servicing : Thank you for contacting FedLoan Servicing! 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. Please be assured that the letter you requested will be sent once our review is complete. Please use the " Contact Us '' link through your online account at MyFedLoan.org to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through Friday, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. Sincerely, XXXX FedLoan Servicing >> Original Message ... >> Message : Hi, please see the email chain below. As of today I have still not received anything via paper or electronic mail. I have been trying to obtain the written letter certifying my payment count and potential date of eligibility since XXXX of this year XXXX XXXX ). My last employment certification was verified on XX/XX/XXXX. In XXXX I was informed that this would be mailed out within 20 days. It is now 6 months since the original letter should have been generated and sent. If you could please advise me on the expected timeline for competition that would be greatly appreciated. ( emails have been deleted d/t character restrictions, attempted to leave reference numbers ) >> Thank you >> Sent : Sunday, XX/XX/XXXX XXXX XXXX >> Subject : XXXX XXXX : Public Service Loan Forgiveness Reference ID : XXXX >> Sent : XX/XX/XXXX XXXX >> Reference XXXX >> On XX/XX/XXXX, at XXXX XXXX >> Sent : XX/XX/XXXX XXXX original follow up sent deleted d/t space Thank you for contacting FedLoan Servicing! We have submitted a request to have this processed for you. Please keep in mind while we are attempting to try and get the payment count processed sooner this request still can take some time. These letters contain very detailed information and rushing through this process can result in an incorrect payment count. While we understand this is fustrating when waiting for accurate information we are working digiently to resolve your concerns. Your continued patience is appreciatled. You can view your Public Service Loan Forgiveness ( PSLF ) qualifying payments for the eligible periods of time that have been certified by your employer by selecting Loan Details from the left-hand side and click the View Details button for each of your Direct Loans. Please note the number of qualifying payments does not update each month. This number will update after a new Employment Certification Form ( ECF ) is received and approved. Please use the " Contact Us '' link through your online account at MyFedLoan.org to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through Friday, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. Sincerely, XXXX FedLoan Servicing >> Original Message ... >> To : XXXX >> Subject : Public Service Loan Forgiveness >> Sent : XX/XX/XXXX XXXX >> Message : I have still not received anything via paper or electronic mail beyond the correspondence below. Can you please mail me the detailed payment count that is referenced below. >> >> >> Thank you, >> >> >> Re : Public Service Loan Forgiveness >> Reference XXXX >> >> >> >> On XX/XX/XXXX, at XXXX XXXX, >> >> >> Thank you for contacting FedLoan Servicing! >> >> >> This email is in response to your recent correspondence regarding your education loans serviced by FedLoan Servicing. We appreciate your interest and concerns regarding your account. >> >> >> A request has been submitted to have detailed payment count for Public Service Loan Forgiveness ( PSLF ) mailed to you. We apologize this information was not sent out previously. Due to the current volumes, it may take up to 20 days for processing. However, your request may be completed sooner. >> >> >> >> Sincerely, >> >> >> XXXX >> FedLoan Servicing >> >> >> Original Message >> Subject : Public Service Loan Forgiveness >> Sent : XX/XX/XXXX XXXX >> >> >> Message : I am writing because for the last 2 years I have submitted an employment certification from that appears to have been processed because I receive a letter stating my employer qualifies. However the letter states I should be getting a notification of my qualifying payment count, the estimated number of payments still required and the date I should be expected to be eligible to apply for forgiveness. The only time I have received such a notification was the very first time I submitted an employment certification from. When and how should I expect to be updated on my payment count and potential date of eligibility? The last letter I received qualifying my employment is dated XX/XX/XXXX. Thank you for your time. This message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. Code : PHEAA
Company Response:
State: CO
Zip: 80228
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Yesterday XX/XX/19 I received a notice from XXXX saying that my account was going to be defaulted due to non-payment. Today XX/XX/19 I called XXXX to figure out what was going on, I had never received any bill from them. As I was speaking to the customer service representative she notified me that my Department of Education loan hasn't been received since XXXX. I was using a 3rd party consumer when I was paying on this loan. I was unaware that they were a 3rd party consumer, I thought they were the one that dealt with my loan first hand. American Education Services has been taking my payment out every month on the XXXX since XX/XX/19. I am not sure what payments they have sent to XXXX. I have paid XXXX since XXXX. I then contacted them and they tried to tell me that they were assigned to my loan. When talking to the lady from XXXX, this was something that she heard of quite a bit. She has heard them do this very often. I am now concerned that they have all my information and what they could do with that. They haven't paid my loan for months, it makes me wonder what they would do with my personal information.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I took out XXXX XXXX worth of school loans. In XXXX, someone consolidated my loans, under my name consolidated my loans- my origional loans were through AES- Origional Consolidation Amount- XXXX XXXX in XXXX XXXX XXXX defaulted to Penn Higher Education- {$57000.00} defaulted when i lost my life savings to an apartment fire and the death of my father, I also have severe psychological problems. Starting in XXXX XXXX- to qualify on loan rehabilitation - I maintained payments for 10 months.I completed the rehabilitation program but thought I was paying my origional loan provider ... the loan is now {$70000.00} out of default- -I Fell into delinquency the 2nd timeI called and called, yet they wouldn't service me. They told me I had to talk to the collection agency -XXXXt- that company haraased me and harrassed my family ... no one would return my calls or emails for 24 months during the collection process -- - The collection company - XXXX now has my school loan at $ XXXX 6.6 % $ XXXX principle Its now at - {$100000.00} with % 20 interest fee- PHEAA now calls me on a daily basis wanting me to consolidate again with a government agency - I am not working, the past 4 companies i worked for went bankrupt- I can not own a home, i have been renting in CA for the past 9 years. My credit is XXXX because of this charge- I get no where accept threats from PHEAA and their past credit recovery system. I have a XXXX XXXX and can not find work right now. I understand on owing my origional loan at $ XXXX how can this be legal that I would now have to pay an extra $ XXXX - I can not afford this, i am scared for my life and my well being. My family and I have been homeless, transient and barley making it - i requested my origional loan signatures and no one can send me anything- they keep making up stories and directing me to another person over and over again. I didnt know what i was getting myself into because i am mentally ill and have told them countless times..i need help. I need someone to save me and my family from this. the burden is just to great for me to handle,
Company Response:
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
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: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is about the 8th time this has happened, and from reading other statements online from other people going through them is no help. The situation is I will make my student loan payment on time over the phone. It will go through the entire process, and even give me a confirmation number but a few days later I notice no transaction. I will call back and they will tell me the payment is past due and that I never called them even if I have the phone records showing.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A