Date Received: 2019-08-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am totally XXXX and requested TPD discharge of my student loan. I was approved about a month ago. Today I checked my credit report. They have moved it to closed, but have not changed the amount owed or removed the collection account notation. I called PHEAA. They say my claim is still processing, to call XXXX. XXXX says its approved and PHEAA has what they need. They told me that a month ago. PHEAA told me they wouldn't change anything on my credit report, that it will drop off in 9 1/2 years. My credit report amount owed is {$10000.00} more than the amount owed on my statement each month ( the amount that was forgiven )
Company Response:
State: OK
Zip: 735XX
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I first obtained loans while attending undergrad at the University of XXXX and continued in XXXX school at XXXX State University. I ended up with over {$40000.00} in student loan debt. After I graduated with my XXXX XXXX in XXXX I looked into the Federal Loan Forgiveness Program because I knew I was going to be working for the federal government. I had a couple of seasonal positions with the government and then became full-time permanent with the XXXX XXXX XXXX XXXX in XX/XX/XXXX. I called my loan servicer in XXXX and inquired about the forgiveness program and I thought I was in. I continuously called periodically year after year finding out that I was not, and felt assured ( by the end of the phone call ) by the loan servicer employee that I was finally in and making qualified payments each time I called, every year. I called Fedloan Servicing earlier this year and they said I would be able to get all of my previous payments from when I started as a federal government employee in XXXX to become qualified payments, once I made 120 payments and by filling out a form associated with qualifying back payments. I made another call this week and spoke to a supervisor with Fedloan and he said I will not get any of those years prior to XX/XX/XXXX qualified toward the 120 month payments because qualifying back payments can no longer occur. I feel I have been lied to over and over, and I definitely would not have had my student debt with Fedloan if I would have known this corruption was going and its affect on me. I have been making monthly payments in higher amounts than I wanted to with the income driven repayment program, and I feel that I should be nearing the time when my loans should be forgiven, had the first and subsequent ( many ) loan servicer employees told me the truth. Fedloan said they are just following the policies set forth given to them by the Department of Education, however it took almost 10 years for them to figure it out to some degree causing damage to me, at my expense. I want my student loans forgiven and my payments to be counted as qualified payments from the time I obtained permanent employment with the federal government from XXXX, as I was told from the beginning from the loan company!
Company Response:
State: AR
Zip: 71913
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I, am a XXXX XXXX, this compant is saying that I, have pass due money payments for the yrs XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX on my credit report, they are wrong, I asked the company for a deferment or forbearnece each of the years aove, I should have good credit no missed payments or late payments.
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I went to XXXX XXXX XXXX in XXXX and I think it was in XXXX or XXXX XXXX XXXX school was closed down for federal fraud and there was a process that I could go through to get my debt removed and I went through all that and all my school debt was removed from my credit. About a year later it was all replaced onto my credit I tried to contact and explain this and they have no idea what I was talking about but I had proof at the time on my credit report it said the Department of Education had paid off all my student loans and now it is back on my credit and I am unable to get a mortgage or anything the company is FedLoan Servicing
Company Response:
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was with XXXX XXXX. I work at a XXXX XXXX and applied to get the PSLF plan. While that was processing, I received an email ( XX/XX/XXXX ) from XXXX XXXX stating my IDR is expiring and I need to renew. I submitted my paperwork for renewal and received an email that I was approved for an IDR. I received an email ( XX/XX/XXXX ) that my XXXX payment would be {$320.00}. I received an email on XX/XX/XXXX that my loan was being transferred to Fedloan. The email I received stated that my payment plan would not change. I recieved an email from XXXX XXXX ( XX/XX/XXXX ) that my XXXX bill was due and the amount was XXXX. I paid that as soon as it was available to be paid on the Fed Loan site because I could not pay it on the XXXX XXXX website. I paid XX/XX/XXXX bill through Fed Loan, and it was {$320.00}. I then went to pay XX/XX/XXXX payment, and the amount listed was {$1300.00}. I emailed Fed Loan and was told ( by email on XX/XX/XXXX ) that my IDR was for 4 months and I had to reapply. I went and re-applied, even though I knew I should have been okay. However, the amount owed was not changed and it listed me as late. I was approved for a new IDR, but the payment amount was for {$360.00}. I used the same information ( 1040 ) from XXXX XXXX, but now they want more money. I have repeatedly emailed them and called them to get XX/XX/XXXX payment corrected ( and now XX/XX/XXXX ) and I have requested that my IDR from XXXX XXXX be re-instated because it should have lasted until XX/XX/XXXX. They are effecting my PSLF plan and are going to mess up my credit report. I have all the emails from XXXX XXXX and Fed Loan, and I have submitted them to Fed Loan.
Company Response:
State: TX
Zip: 76901
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted information to update my REPAYE with Fedloan in XXXX of XXXX for the XXXX year. XXXX took months to complete the review and during that time my account was put in forbearance and interest accrued significantly ( nearly $ 6k ). My income has drastically decreased from the XXXX to XXXX year ( I am currently starting a business and have no income ) and my payments actually went up from the previous year. I called every week to check in on the status of my account and was assured that there was nothing I could do to speed up the process/have the interest taken care of. Long story short, my student loan has increased $ XXXX in interest due to the extremely slow paperwork review process at Fedloan. I consolidated with this company in XXXX and my loan has actually increased by nearly $ 25k ( to $ XXXX ) since that time. I have pleaded and pleaded with this company to help me have the loan decreased or forgiven but have received absolutely no help from them in this regard, besides being advised to be put in a repayment program where the interest keeps accruing despite my on time payments. In this situation, I will never get on top of the loan and it will continue to increase despite on time payments.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: From XXXX to XXXX of XXXX and the months of XXXX and XXXX of XXXX it shows on my credit report I have missing payments as well as the whole year or XXXX nothing is being shown throughout that whole time I was on a forbearance program with federal student loans during that time I was unemployed and I explained that to the representative thats why I went on a special program so I didnt have to make any payments I just want those late payments to be changed because I was never never on any payment with fed loans
Company Response:
State: CA
Zip: 93263
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have six different loans with Fedloan servicing, I recently refinanced my home and sent three checks with clear instructions for Fedloan Servicing to apply those three checks to three of my loans ( loans with higher interest rates ). I made a cover letter for each check with clear instructions and also wrote clear instructions on the checks about how to apply the checks. I called their customer service and they said that they'd apply the checks as I requested. However, they just spread the amount among all six loans and left the higher interest loans with higher remaining balances. It's completely against what I had requested. I haven't received any resolutions yet, Please help me resolve this issue.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I currently have a Fedloan that I began to pay on as of XX/XX/2016. The payments are never decreasing. I originally took the loan out for {$27000.00} and it then totaled {$50000.00} due to interest which is absolutely crazy and they never told me it would come out to that much interest. Secondly, I am in this Public Service Loan Forgiveness Program which after 120 qualifying payments they are to forgive the rest. Well, every time I make payments and ask they never go towards the qualifying payment but yet never have an answer of what QUALIFIES for the payments. And the topping on the cake is that lately for the past three months, they have been cashing the checks with all the wrong amounts. The payment is XXXX. This past month they only cashed the check for XXXX dollars when the check was written for XXXX dollars and it was written in three areas. They then charged me a late fee because they stated that I only sent the check for XXXX which I have the check in my bank statement for XXXX. They charged me XXXX after and stated I was late. The month before that they cashed a check for XXXX luckily I had enough in my account for that when the check clearly stated XXXX I called them multiple times on this matter also and they have no response just that they messed up but surprisingly I still owe the money like its my fault. Then the previous month before that I used my debit account well AFTER the payment was late they notified me a week later that the payment never went threw even though I wasn't late on the payment and they never told me the payment never went threw. I am very dissatisfied. The people working there never know anything, it is so frustrating meanwhile, I am the ONLY one probably paying these loans and they give me a hard time. Please tell me you can do something for me because what they are doing is wrong! And I need someone to get this right! Thank you. Please email me back at XXXX or call me at XXXX XXXX XXXX Thank you
Company Response:
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My XXXX grant was wrongly converted to a loan within months of graduation from a XXXX prep program. As a result I have finally received notice that I am eligible for reconsideration. I contacted FedLoan servicing immediately on XX/XX/2019. Same day I received the notice. Fedloan Servicing took almost three months to simply certify that I was eligible for reconsideration. Gave me completely inaccurate timelines each step of the way. They finally certified that I was eligible, certified that I had fulfilled my service obligation, and that they full {$4000.00} balance of my grant was due back to me plus interest paid since it was converted. It is now nearly XXXX and almost seven months later Fedloan servicing has not returned my money or followed through on a timeline to complete the process. Meanwhile they have consistently indicated that they do not have accurate documentation of my loans, calling into question the legitimacy of all other documentation. They have told me that my loan was being " rebuilt '' ... for that last seven months ... because it was processed by another servicer. At no point did they tell me who that was. Because my loans have always been serviced by Fedloan Servicing. At one point someone in their public relations department told me that my loan was serviced by XXXX. I have no knowledge of this ever happening, and XXXX does not either. At this point I need to secure my {$4000.00} plus interest in a timely manner. After nearly 40 calls to their customer support lines this is still unresolved and there is no clear timeline from them. I would like to consider legal action for the balance due back to me, as well as the time spent attempting to obtain it, plus interest. I would also like to audit all other documentation from them to verify whether it is accurate and whether they owe me back any additional money. My full student loan balances are paid off, so this is money due directly back to me. Your consultation is greatly appreciated.
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A