Date Received: 2019-09-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am writing because FedLoan has failed to generate a correct and up to date count of my PSLF payments. On XX/XX/XXXX, FedLoan issued an official accounting of my PSLF payments from XX/XX/XXXX thru XX/XX/XXXX. ( Document is attached. ) FedLoan credited 50 payments but they should have credited 51. I wrote to FedLoan on XX/XX/XXXX, and told them that their count erred in this specific way : For the period of XX/XX/XXXX to XX/XX/XXXX, I had made 12 payments but they only counted 11. I offered to supply payment confirmation documentationif needed. ( My letter is attached. ) On XX/XX/XXXX, when FedLoan had failed to respond in any way to my letter, I called and spoke to Rep # XXXX. That Rep reviewed the payment history with me on the phone and verified that I was correct and that they had missed a payment. That Rep told me that she would " have a review generated and a new letter issued. '' She told me it would take 7-10 days. A month went by and when FedLoan failed to issue the new letter, or communicate with me in any way, on XX/XX/XXXX, I, once again, called. I spoke with Rep # XXXX. That Rep told me that " a review '' was submitted on XX/XX/XXXX but that it would take 90 days for them to respond not 7-10 days. The Rep told me I would receive my new, corrected, PSLF count in XX/XX/XXXX. On XX/XX/XXXX, I called again and spoke with XXXX # XXXX who said that she could see my review was " still pending '' but that they were " very backed up '' and so she could not give me a completion date. Over the past 10 months I have received zero communications from FedLoan regarding the status of my pending review or my PSLF payment count.
Company Response:
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2019-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-22
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: 2019-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-22
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: 2019-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX I attempted to change my payment plan to a standard repayment plan. On XX/XX/XXXX I was notified that my student loans had placed in deferment. I submitted an email pointing out this error and requesting that it be addressed. In response I received a stock letter and no further contact.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-22
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: 2019-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-21
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: 29445
Submitted Via: Web
Date Sent: 2019-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was sent an email stating that my loans were placed into deferment due to my enrollment in school. I NEVER agreed to have my loans deferred and do not wish to have my loans deferred. When I search myfedloan website to figure out how to put my loans into repayment, I was unable to do it. I had to take time to call the toll free number, wait on hold to then be told that I had to print and fill out a request to put my loans back into repayment and then scan back to them. I completed this on the XXXX when I made the call and my loans are still listed in deferment. This is ridiculous and should not have happened without me making a request to defer my loans. I have copied the email that I received below. XXXX XXXX UNIVERSITY notified us that you're enrolled in school. We placed your loans on an In-School Deferment or updated your existing deferment dates. This means you are not required to make payments until your deferment ends. However, if you are able to make payments while on a deferment, it helps to reduce the total amount you have to pay back. In-School Deferment Dates Deferment Begin Date XX/XX/XXXX Deferment End Date XX/XX/XXXX
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2019-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Filed an investigation regarding number of qualifying payments made towards Public Service Loan Forgiveness in XX/XX/2019 and have received no follow up communication regarding results. I am being told that a timeline for completion of this process is " impossible to provide ''. Fed Loan is the servicer.
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I signed up for loan forgiveness program. I have been working for a nonprofit organization since XXXX. My loans were transferred from navient to Fedloan servicing XX/XX/XXXX. XX/XX/XXXX i received a welcome email from fedloans. Fedloans try to charge me for past due amount during the transfer from XXXX. Initially i had to file a complaint because Fedloan were not applying my payments towards loan forgiveness program. After the complaint only 4 qualifying was adjusted. I have been making payments to navient since XXXX and only 4 payments qualified according to FedLoans i find that hard to believe. XX/XX/XXXX i received a qualifying letter it was 4 in XX/XX/XXXX another update 4 payment qualified. It is now XXXX only 4 loans apply since XXXX where are the additional 8? My first payment directly to Fedloans was XX/XX/XXXX. It is almost one year and i only made 4 qualifying payments? Something is wrong with this. I am actually paying ahead this message is on my account ( You are paid ahead since you made some payments above and beyond what was due. )
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2019-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-20
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In a nutshell, my youngest daughter wanted to attend XXXX in XXXX XXXX, FL. We contacted the financial aid office at XXXX, and were told only about the Parent Plus loan ; it was never brought up that my daughter could apply for the loan in her name, and have her payments based on her income. I had to take out the loan. I had been through an expensive divorce from her father, and my credit scores were not sufficient for me to sign the loan on my own. They advised that if we could get another co-signer with better scores, we should have no problem getting approved. My then boyfriend, now husband, graciously offered to co-sign. This was in XXXX-XXXX ( a total of 4 loans ). We are currently pending approval/denial through the Dept. of Education Borrower Defense process, due to XXXX XXXX fraudulent job placement claims. Those 4 loans are in forbearance, accruing interest at an alarming rate. It also appears that XXXX XXXX is suing the Dept. of Education, and that applications are not being processed until the lawsuit is settled? I questioned the Dept. of Education as to why are these loans placed in forbearance vs. deferment. It was explained to me that this was done in order to prevent borrowers who were applying were not doing so just to be able to delay making payments. My husband and I both work for the XXXX XXXX XXXX ; our income is lower than low. I believe in paying my taxes, debts, etc. I believe that your agency can not submit my claim to the government, but, I feel that my husband and I are being punished for something that someone else must have done ( filed borrower defense when they know they are not even remotely eligible ). We are getting close to retirement age, XXXX and XXXX, and this is frightening to us. If our application is on hold for something we had nothing to do with, and have no control over, why can't our loans be placed in deferment? That is all I am asking for. Thank you for your taking the time to read my complaint. Respectfully, XXXX XXXX XXXX
Company Response:
State: VA
Zip: 20155
Submitted Via: Web
Date Sent: 2019-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A