Date Received: 2019-07-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, three days before my agreed-upon rehabilitation payment of {$640.00} was due, I called XXXX XXXX XXXX to explain that my financial situation had changed and that I needed a new audit of an income-based payment. A service representative indicated that they would cancel the payment on the XXXX, and re-audit my income and expenses to formulate a new payment, advising that a payment wouldn't come out until they reached a new amount. On XX/XX/XXXX, a date not authorized for a transaction, {$640.00}, an amount no longer authorized, was withdrawn from my personal checking account. I'm told on XX/XX/17 that amount was withdrawn in error, and that they are re-issuing a refund that won't be processed for 60 days or so. The debit on my account left my checking account negative and was unauthorized.
Company Response:
State: IN
Zip: 46032
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX, I ran my annual free credit report with all three credit reporting companies. I noticed that PHEAA/FED LOAN SERVICING was reporting me " 90 Days Past Due '' in XX/XX/XXXX. For all months leading to that date ( XX/XX/XXXX and earlier ) and all months after ( XX/XX/XXXX to present ), PHEAA/FED LOAN SERVICING reports " ND - No data for this time period. '' This is a parent plus federal education loan ( s ) for my daughter 's college education. She began college in XX/XX/XXXX and continues as a full-time student today. Her expected graduation is XX/XX/XXXX. Any payments towards this loan ( s ) is deferred until she graduates, or stops attending college full-time. Other than traditional summer breaks she has attended full-time continuously since XX/XX/XXXX. She did transfer from XXXX XXXX University after the XXXX school year to XXXX XXXX University for the XXXX school year ( and until graduation ). We submitted paperwork to PHEAA/FED LOAN SERVICING notifying them of the change. When I received an invoice requesting a payment, I immediately contacted PHEAA/FED LOAN SERVICING and they said they had the paperwork informing them of the change but it would take 60-90 days to update in their system. In my opinion, this issue may be the cause of their reporting error. I did not owe a payment in XX/XX/XXXX. I HAVE NEVER OWED A PAYMENT TO DATE. Therefore, they must correct the XX/XX/XXXX payment they are reporting. I disputed through all three credit bureaus who contacted PHEAA/FED LOAN SERVICING who responded back with the same exact incorrect information regarding XX/XX/XXXX. When I called PHEAA/FED LOAN SERVICING directly their response was " dispute it through the credit bureaus ; '' which is unacceptable. I did upload a general complaint form directly to PHEAA/FED LOAN SERVICING that has resulted in no change.
Company Response:
State: UT
Zip: 84095
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/2019, a check in the amount of {$2500.00} was received by my loan servicer, Fed Loan Servicing. I currently hold XXXX direct consolidation loans with Fed Loan Servicing. Correspondence with the check asked that the amount be applied to the principal of the single direct consolidation loan with the highest interest rate ( 7 % ). Included in that correspondence, was my name, my account number, the principal balance on the single loan I wanted it applied to, and the internal name that Fed Loan Servicing uses to describe this loan specifically. ( To them, it's " XXXX XXXX XXXX ''. ) My payment was misapplied. It was applied as an interest payment across all XXXX loans, directly against the stated payment instructions included in the correspondence. I am including a copy of the correspondence that was included with my loan payment.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was hoping to qualify for the PSLF. I have worked for the same qualifying employer for 13 years. This year, I made my 120th consecutive on-time payment this year ( the requirement for the program ). However, I just received the letter saying I still have seven more years to pay because I consolidated the loans in 2015 ( as I was advised ). After calling and talking to many customer service representatives, nothing can be done in my case ( other than pay for seven more years and then be reconsidered ). I did my part and paid my 120 on-time payments. I had no idea consolidation would affect this, or I never would have consolidated.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-14
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: It's not with the company of collections, it's with the school. They told me over the phone if i sign this federal loan I'll have a free ride through school until I graduate with my XXXX XXXX XXXX XXXX. Then one day, they call asking why I haven't paid on my loan. I told them I was told I didn't have to until graduation and they said that it wasn't possible. I guess I should have known it was too good to be true but this has ruined my credit score and any chances of ever owning my own property. It isn't fair. Summer of 2011, I believe I started at XXXX XXXX online. And a few months later, they hit me with this.
Company Response:
State: AZ
Zip: 85335
Submitted Via: Web
Date Sent: 2019-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have asked repeatedly over the last year or two how many qualifying payments I have made as part of my PSLF loan. Every time I inquire the number is different and reduces the amount of qualifying payments I have made. When I ask about why this is I am given an ambiguous " just wait and see '' type of answer. I have submitted on time payments, and all required paperwork, while working for a qualifying non-for profit/public sector agency for this entire time. I have to date made 51 payments since I consolidated my loans totaling {$39000.00}. I have reached out yet again to FedLoan to inquire about the discrepancy. I am concerned at the mishandling of my student loan, and the inability to answer why this number continues to drop or why my payments are not listed as qualifying. Please see the list of payments made below. I do not have dates for the many, many calls I have made but Fedloan should have a record of this. XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00}
Company Response:
State: MO
Zip: 63379
Submitted Via: Web
Date Sent: 2019-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: On the month of XXXX, I applied for Income Driven Based Repayment Loan. They received the status however, they said I am on the standard loan program for now. The only way I could get back on income driven loan repayment is By paying the full amount which XXXX dollars. I paid that amount on XX/XX/2019. Now, someone changed the dates of the application that I applied for income driven based loan repayment. I called Three times regarding if I am going to be on income driven based and I needed to see letter if I am on it.. til this day..nothing has changed.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In the process of getting my finances in order, I called PHEAA on XX/XX/XXXX in regards to my defaulted loan with my debt advocate on the line. The customer rep was XXXX XXXX ( XXXX ). XXXX proceeded to explain their rehabilitation program and the asked me a series of questions to determine the amount I would have to pay monthly which came to {$5.00}. One of the questions my debt advocate had was in regards to my tax refunds checks which are being intercepted by the Fiscal Service of the Treasury Dept. XXXX said that as soon as I enrolled in the rehab program, the checks will no longer be intercepted and said I needed to enroll in the program while she had us on the phone. She then said I needed to sign some documents right away to start the process.She then sent me the documents via email and I said I needed to sign them via XXXX and process an initial payment to verify my payment account. While on the phone, she repeatedly asked if I've received the documents and during which time my debt advocate asked her very specific questions to ascertain the fine print/terms of the 10 payment agreement since she was getting me to urgently sign the document and not give either myself nor my advocate a chance to read it. She confirmed with us that the checks will not be intercepted once I enrolled in the program. I signed the documents as soon as I received the email with XXXX on the line verifying that I signed it correctly. I waited till the second payment was processed to make sure there were no errors then filed my taxes On XX/XX/XXXX ( XX/XX/XXXX ), I received a letter from the Treasury Dept saying my check was intercepted and sent to PHEAA. I emailed XXXX immediately to find out why because she had confirmed it would not happen. She did not respond until I called PHEAA after a week on XX/XX/XXXX, and XXXX again on the line On the call on XX/XX/XXXX, I reminded XXXX of our call with my debt advocate on XX/XX/XXXX and asked why my check was intercepted and she said she had given me the wrong information that the rules were changed in XX/XX/XXXX that required 5 payments to be made before interceptions will stop. I told her I needed PHEAA to release the check to me since she gave us the wrong information and she went to speak to her supervisor. She came back and said the call was on XX/XX/XXXX was pulled and reviewed and they confirmed she did give me wrong info but she said the supervisor said the check will not be released and she said she was sorry for the wrong information but it was out of her hands now I called back on XX/XX/XXXX to complain again and see if I could get someone else. I got XXXX XXXX. I detailed my call on XX/XX/XXXX and XX/XX/XXXX and she looked at the notes on the account and said she could not do anything. I ask to speak with a supervisor. XXXX then put me on hold and then came back and said the supervisor said the check will not be released. I never spoke with the supervisor. I ask to speak with the supervisor 's higher up and she put me on hold again and then came back and said that she was sorry XXXX gave me the wrong info. I then ask that was she saying even though it's confirmed Kim gave me the wrong info that PHEAA will not return the check to which she responded I sign the documents and it was in the documents I signed that XXXX never gave me or my debt advocate a chance to read.The supervisors she spoke with were XXXX XXXX and XXXX XXXX. At this point, I have sustained very heavy financial damages as a result of the wrong information I received. And I was given the wrong info despite my debt advocate clarifying multiple times with XXXX specifically about the interception of the check. I request to have the check released.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2019-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I submitted a direct debit dispute form to AES on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to AES. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an AES internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an AES representative via the telephone. AES has not taken any action to remove the delinquency from the three credit reporting agencies.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2019-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-13
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XX/XX/2019 Dear Sir or Madam : On XX/XX/2019 I paid my private student loan in full to : American Education Services XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX Account # XXXX and received a confirmation letter : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS FOR YOUR INFORMATION ONLY. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX XXXX to XXXX XXXX ( ET ) | XXXX | XXXX XXXX | XXXX | Why We Are Contacting You Congratulations! The loans listed on the reverse side of this letter are paid in full. This notice does not pertain to other loans we may be servicing for you. What This Means To You No further payments are required on the loans listed as paid in full. We appreciate your business and wish you success with your future endeavors. I did receive a refund cheque for overpayment. However when I log into my account there is a current balance of XXXX with an interest rate of 4.87 %. I sent a letter by courier requesting the account be closed. To date this has not been done.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A