Date Received: 2019-09-20
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I didnt know i had to renew my fed loan repayment account in XX/XX/XXXX & the balance went up by {$720.00} for a monthly payment. I make $ XXXX monthly for a household of 2 people. Once i realized this i applies for a income driven plan & was accepted. This {$720.00} payment made my credit score go down by over 80 points and Im trying to improve my credit & this isnt helping me at all. Prior to that, i was and right now i am in good standings & have been responsible. Please help me out by removing this off of my account
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been enrolled automated payments for seven-plus years with MyFedLoans. My payment was taken from my account on my due date last month as usual, but was never posted to my account. I have contacted customer service four times - three emails ( XXXX, XXXX, and XX/XX/XXXX ) and one phone call ( XX/XX/XXXX ). The three emails have never received any response other than the automated notice that they were received. The customer service representative I spoken with by phone said he would submit the issue, but that was over a week ago and the notice of delinquent payment still shows up on my account. I am still receiving automated notices about the late payment, including another today ( XXXX ), and my perfect credit report is being threatened with ruination because this company has failed to properly post the money they have already taken from my account. As I mentioned to the customer service representative, I had a loan consolidation completed with them on the same day XXXX payment was taken out of my account. If I had known this would be the result, I would have selected a different service provider. Since customer has never responded I am unsure what else to do.
Company Response:
State: CO
Zip: 80634
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have taken action against PHEAA student loan servicer but, I do not have legal counsel as yet due to my Pending claims filed with The Dept. of Education Civil Rights division, and Borrowers Defense, Fraud and False Cert Division, The Office of The Attorney General/Collections and Practices violation department, ADA violations claim, ( age, race and ethnicity and disability ), FTC, Cease letter sent and collection calls are coming in again and possibly some spoof calls, and XXXX XXXX XXXX of California claims filed are all pending. I have received wage garnishment notices, letters rejecting all of my claims filed from PHEAA, its legal team and collection partners. Making allegations that nothing ever happened within the PHEAA agency, its Sub servicers, collection partners and affiliates, that indicated violations of fraud, mishandling, false reporting/writings of any sort happened. Discrediting me and making demands and threats to force me into paying on a student loan debt that I don not owe. PHEAA, and its legal team was unresponsive to the fact that my private loans were converted with my federal loans, consolidated without my consent or knowledge, slapped with high fees, charges, penalties and was given a different type of loan name. Adding, I never received anymore disbursement after XX/XX/XXXX yet, PHEAA alleged, I took out more disbursements in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is false and PHEAA has been unresponsive to my claim. My claim status is pending investigation ( s ) with the above reporting agencies listed. PHEAA is not following proper practices and violating my rights as a consumer and as a debtor taking action against illegal collections.
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XX/XX/XXXX, I submitted IDR documentation, including my XXXX tax return, to the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to recertify loans in repayment status in order to remain in the same IDR plan I have been in for the past 4-5 years. The loans were being recertified in XX/XX/XXXX so I submitted this paperwork with ample time for processing. I graduated XXXX school in XX/XX/XXXX and have new federal loans that are in a grace period through XX/XX/XXXX. When I submitted documentation in XX/XX/XXXX for recertification of my active loans, this documentation was applied to the grace period loans, not the loans coming due for recertification in XXXX. I called in XXXX and was told this would be fixed. XXXX came, and the problem was not fixed. My loans entered the standard repayment plan and increased by approximately {$200.00} overnight. I paid the standard repayment amount due to avoid late status and submitted a new IDR application with the same XXXX tax return in XXXX. Today ( XX/XX/XXXX ), I received an email stating that my IDR application was 'on hold ' because it had AGAIN been applied to the loans in grace period and not the loans in active repayment that the IDR application was meant for. I called and spoke to someone who told me it is 'standard practice for loans to kick back into standard repayment before the IDR can be processed. ' Having paid on these loans for years I knew this statement was inaccurate and she could not answer my question when I asked her why my IDR application submitted in XXXX was not applied to the loans with the earliest recertification deadline, and if this was indeed Pennsylvania Higher Education Assistance Agency policy. She put me on hold and came back to tell me that she sent a request for problem to be reviewed but I would not hear anything for 7-10 business days. In the meantime, my IDR application which was originally submitted in XX/XX/XXXX, will surely not be processed in time for my XXXX payment, leaving me with a {$650.00} bill, {$200.00} higher than it would be under my chosen IDR repayment plan. It seems even the best preparation can not insulate borrowers from the mismanagement of PHEAA. Again, PHEAA has demonstrated their extreme incompetence, or, alternately, what may be predatory servicing practices in order to capitalize accrued interest at will. This is not the first time PHEAA has processed my loans incorrectly leaving me at a monetary loss and providing a monetary gain for themselves. I do not believe that these are harmless mishaps, or 'glitches ' in their processing system, but rather, purposeful, deceitful loan servicing practices that escape regulatory mandates set by Congress . I believe that PHEAA is utilizing loopholes in legislation meant to regulate their actions in order to profit off of student loan borrowers.
Company Response:
State: NY
Zip: 14624
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XX/XX/2017, I made a monthly payment to my federal student loans serviced by the Pennsylvania Higher Education Assistance Agency. The payment cleared my bank account the next day, but didn't clear their system. When I called to inquire about the matter I was told I just needed to wait " 2-3 business days. '' I waited, the payment didn't clear their system, and my loan was put into late payment status. I called again, was asked to submit proof that the payment cleared my bank account. I did this, and the response was, " you have to wait 7-10 business days for us to investigate the problem. Sorry, there seems to be a 'glitch ' in the system. '' It took a month for them to push the payment through the system and post to my account, with me following up via phone every week. I spent hours on the phone with multiple people, having to explain the problem each time. While I was waiting and growing concerned about the fact that my loan was in a 'late ' status and quickly approaching the next payment due, I was told to " not worry about it because we only report past due accounts after 90 days. '' Excuse me, but this is utter incompetence. And I have no recourse to rectify these problems when they occur.
Company Response:
State: NY
Zip: 14624
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I am in the process of refinancing my house and during the title search 5 liens have appeared on the property in the process of investigating I have found 2 that are not in my name 1 I have identified but 2 I can not identify apparently there under a company that is no longer in business or was sold and can not find where the debt is. The 2 I am concerned about is lines 1 and 3 I know my wife 's we located that and the National Collegiate Trust has 2 names XXXX XXXX AKA XXXX XXXX XXXX on the last 2 I would like to know how to remove them since they are not in my name
Company Response:
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Incorrect count for qualifying payments for XXXX. My account reached an arbitrary amount of interest accumulated that caused XXXX to divide my loan into separate loans and their system reset my payment count to XXXX. I put a request in over a year ago for an accurate count and it still shows XXXX qualifying payments.
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was working as a XXXX Employee, and I'm doing Public Interest Loan Forgiveness. My job was ending, and I know there would be a gap in employment. I called the servicer to see what my options were and I was told the only option was a forbearance. I had the ability to make payments but in a lesser amount. I began a job working for the XXXX at a lower salary ( substantially ). I notified the servicer that I wanted to be taken off forbearance and to make payments. I submitted a pay stub, and was told I needed to redo and IDR application, which I did. I keep getting contradictory information. I had previously submitted documentation that they lost. So now I am uploading to the portal. In hindsight, I think I should have been offered a 0 percent payment since I was not working. The customer service people keep telling me contradictory things. I was also told that the amount is based on gross income not adjusted gross income which is a big deal. I have several mandatory deductions as a XXXX worker that dramatically reduce my AGI. I would like to know how long the servicer has to review the applications. Every time I call there seems to be a pattern of blaming the consumer, instead of reviewing the applications. I think this is purposeful especially when you need to repeatedly send in the same documents. I am going to send in a payment but I started this process over three months ago and they are continuing to kick the can. If my payments are not on time I am not getting credit for the payments toward my PSLF. Do I get the same benefit when the servicer, loses my paperwork, gives me false and misleading information and then blames me when they can't process the paperwork. What laws govern how long they have to review these documents. My goal is an affordable payment based on income, and I don't want interest capitalized because they are giving people ( myself included ) the wrong information. Who services these loans? Is it a private entity do they have shareholders? Are my tax dollars subsidizing this outfit?
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This is a request to reopen a complaint given the following : The company argued in their response that the loan was disbursed in XX/XX/XXXX. All loans were disbursed prior to XX/XX/XXXX ( the year I finished my XXXX degree ). After completing college I immediately served two XXXX terms, and a term in the XXXX XXXX ( post XXXX ) prior to becoming a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. As such during that time I was eligible for 1. {$0.00} payments and 2. PSLF. None of these were honored during this time. In a phone conversation with FedLoan in XX/XX/XXXXof this year it was confirmed that the situation should be backlogged, and that my time and payments should be adjusted. In particular, given that I adequately notified FedLoan that I was in the XXXX XXXX ( just as the XXXX XXXX gave notice to the U.S. Dept. of Education ) I should have been immediately enrolled in deferment, however I was charged and put into default. Overall, the company 's response is inherently false, as the loans were disbursed from from 8-3 years prior to the date listed in the response. Moreover, despite numerous documented attempts to enroll in PSLF I was disallowed, or disqualified for capricious reasons.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have always paid my student loans on time. In XX/XX/XXXX I paid my loan and rounded it up to {$110.00}, the next month the lender said I owed {$110.00}, which I paid. My regular payment was {$110.00} a difference of {$.00}. The same thing in XXXX of XXXX I rounded my payment to {$180.00} the next month I paid what I was told to pay which was {$180.00}. My payment amount was {$180.00} a difference of {$.00}. Now I am being told my payments made in XXXX of XXXX and XXXX of XXXX will not count towards my loan forgiveness because they were not a full payments. They are saying I am on a paid ahead program which was part of my promissory note. No one ever said that this status would result in payments not counting towards my PSLF. I had not even signed up for the program then, although I was a XXXX employee. I was told by FedLoan Servicing the law was changed regarding the way a payment is made if you are part of PSLF, but my payments were prior to the law change so they will not count. They also said Pay Ahead is any extra payments made prior to 30 days from the due date. My due date is the XXXX of each month and the extra {$.00} was effective on XX/XX/XXXX-less than 30 days from the XX/XX/XXXX due date and the extra {$.00} was made on XX/XX/XXXX also less than 30 days from the XX/XX/XXXX due date. For 6 years I have followed all the rules and paid my loan with-in 15 days of the due date. My loan payments have gone up to {$380.00} per month when they started at {$110.00} a month. I am a mother with XXXX children, XXXX in college now. I have struggled to pay my loan payments, but am responsible when it comes to my debt. I do not feel I should be penalized for paying what I was told to pay. I don't feel I should now have to pay an additional 2 months at the almost {$400.00} payment when the 2 lower payments were made, on time, and should count. I also asked for a copy of my signed Promissory Note and was told I could access it at the the Dept of Education Website. I have been on the site and I am not able to locate a copy.
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A