Date Received: 2019-06-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have previously submitted a complaint about the payment count for the PSLF program. The results returned as a range of 63-80 payment counts for the individual loans. I do not understand how I can have different payment counts since my loans were consolidated when I graduated in XX/XX/XXXX and began payments in XX/XX/2011. Thank you.
Company Response:
State: MN
Zip: 55901
Submitted Via: Web
Date Sent: 2019-06-30
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2019-06-28
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: student loans paid off XXXX XXXX 10 years still reporting on credit reports. have asked to have removed and still showing. accounts are closed ( 3 )
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-28
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XXXX of XXXX I switched my loan servicing from XXXX to FedLoan. For the past five years I have been paying my loans with XXXX. With XXXX, I would verify each year that I was in a repayment program that qualified me for Public Service Loan Forgiveness. I printed documentation of these payments, and was assured by XXXX that my account would remain online, so I could continue to verify repayment program and payments. When my loan was transferred to FedLoan in XXXX of XXXX, verification of my payments were not transferred. At that time I had made 49 qualifying payments toward the PSLF program. On XX/XX/XXXX I contacted FedLoan and spoke with XXXX XXXX and asked where verification of my loan payements from XXXX were, she said it will update within 30 days. On XX/XX/XXXX, when my loan payments were not updated on my account with FedLoan, I spoke with XXXX XXXX who told me that they have to look into my detailed history with XXXX and it would take 60-120 business days to be approved. I then called XXXX who informed me that they had not received contact from FedLoan regarding my account. On XX/XX/XXXX I spoke with XXXX XXXX XXXX regarding why my loan payments toward PSLF had not been updated from XXXX, nor the payments i had been paying to FedLoan for the last 5 months. She informed me that at the end of the year, when I show verification of employment, the number of payments with FedLoan will update and that the verification of payments with XXXX could take until XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX as my loan payments with XXXX ( 49 ) and my loan payments with FedLoan ( 11 at this point ), are not recorded on my account. XXXX informed me that verification from XXXX is being " reviewed '' and he doesn't know how long it will take as they are questioning my payments. He said that technically I have until XXXX ... I do not know why FedLoan has given me four different answers regarding five years of qualifying loan payments being credited to my account. I would like those payments to be updated on my account with FedLoan. I am concerned that the longer it takes them, the chance of proving the payments qualified, becomes more and more difficult. I am also very confused why it is taking them so long to verify something that took me one minute to see on my XXXX account. It seems FedLoan can do whatever they want when it comes to verification of my loan payments and I would love some help in accountability with their systems of transferring loans to them and verification of qualifying payments. As of XX/XX/XXXX I should have 61 qualifying payments toward my PSLF.
Company Response:
State: OR
Zip: 97302
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I ctc what I thought was Fedloan servicing it was in fact Fedloan service. I was asked immediately for my ss id and bday, I provided this and was given false hope about XXXX payments, info about my payment history. When I became suspicious I confirmed with Fedloan servicing that this 3rd party was NOT them. I called back asking for any identifying info, to protect my info and be sure that whom I provided my personal and sensitive info to would not misuse it, to which he eventually hung up on me by transferring me for asking too many questions and gave me no info to help. He mentioned cutting corners, and doing things he should not be doing to assist me. he used my XXXX XXXX situation and single motherhood to endear me. XXXX XXXX : manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service *** XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA XXXX REPORT District attorney : Here are my notes Scam? XXXX XXXX XXXX act : Dont qualify for public service Do an assessment off the record to see if this is worth pursuing 180 page app : Pay off loan : 2 payments of 199 Then new payment ( under XXXX ) XXXX= 6 XXXX 12 180 months forg. act forgive what I cant pay Algorithm XXXX Up by XXXX for every easement XXXX : XXXX XXXX XXXX manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service XXXX XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: To Whom It May Concern : XX/XX/XXXX I am writing this complaint in hopes that someone from your agency can intercede on my behalf with an ongoing problem with a debt collection agency. American Education Services is the company that bought my defaulted student loan on XX/XX/XXXX & have for almost a year been trying to collect on an alleged debt, even though I do not have a loan with them & they do not have accurate information on the alleged debt. The 1st repayment statement American Education Services sent on XX/XX/XXXX has an Estimated Unpaid Principle Balance of {$13000.00}, which means the balance isnt accurate. I have written to American Education Services twice, on XX/XX/XXXX and XX/XX/XXXX to validate the alleged debt, but to no avail. On XXXX XXXX, American Education Services sent back documents ( Financial Activity Summary ) that does not have the correct account number nor the correct outstanding balance & are missing 13 years of payment history because it states the loan was disbursed in XXXX. They have been violating FDCPA which was created to alleviate abusive, deceptive & unfair debt collection practices. They even sent a bill dated on XXXX day. Instead of sending account level documentation on the alleged debt, they sent a form on XXXX XXXX XXXX requesting I furnish them with my information which violates FDCPA 1692e ( 10 ). False representation of the character or amount of any debt is a violation of FDCPA 1692e ( 2a ). They do not have account level documentation & they are reporting incorrect information to the major credit reporting agencies. American Education Services sends me letters/billing statements twice a month, & the payment summaries include a current balance of {$13000.00} thats never updated to reflect the present balance of the alleged debt. The current balance is always the same amount of {$13000.00} on all of the billing statements. The billing summary is confusing, misleading & deceptive. They are also charging late fees & interest on the alleged debt that has the incorrect amount which violates FDCPA 1692f ( 1 ). American Education Services sent a letter on XXXX XXXX that states : Efforts will be taken to recover this debt & also states that each consumer reporting agency & your grantor have been notified of your late or missed payments. The letter goes on to state they will forward the loan & that the new owner can garnish my wages, offset tax refunds or assign it to the government for litigation. This is a clear violation of the FDCPA 1692e ( 4 ) and 1692e ( 5 ), threatening to take action when no action will be taken. In addition to having incorrect accounting records, American Education Services has been reporting this information to XXXX, XXXX & XXXX. American Education Services started reporting on my credit report in XX/XX/XXXX, before they bought the defaulted debt on XX/XX/XXXX. I found these tradelines on my credit report in XXXX of XXXX. I have disputed this tradeline on all of my credit reports as it is incorrect. However, American Education Services always reports to the Credit Reporting Agencys that the tradeline is correct. This violates FDCPA 1692e ( 10 ) as a use of false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. I have contacted the Credit Reporting Agencys numerous times to ask for the details of the investigation as it was not done thoroughly or correctly. Due to American Education Services incorrect accounting records that was furnished by American Education Services to the Credit Reporting Agencys, my credit score has dropped severely since XX/XX/XXXX from XXXX to XXXX as of today. What makes things worse is I am applying for a new apartment, & my credit score will get me denied. I have been trying to correct this matter with both American Education Services & the Credit Reporting Agencys and have become so stressed out due to the misinformation on my credit report. I have spent so much time, effort & money writing certified letters to dispute the incorrect information on my credit reports & am becoming emotionally despondent from the burdensome task. A poor credit score may deny me a better place to live, defame my character & severely limit employment opportunities. I have been losing sleep & my appetite has suffered due to the XXXX & XXXX because of this issue. American Education Services continues to take deceptive efforts to collect on this alleged debt by continuing to report incorrect information to the Credit Reporting Agencys which violates the FCRA. After almost a year of trying to resolve the matter, I am at my wits end. I have enclosed documents for your reviewI Thank you greatly for your time, energy & assistance.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have four private student loans in total that were handled by AES and owned by NCT. Two of the four loans have been given to XXXX from AES. The AES Account Number for my loans is Account # XXXX. The XXXX Account Number fir my loans is Account # XXXX. I have requested multiple times from both loan services for my terms and agreement paperwork and ownership documents that NCT owns my loans. The fact that I am asking for help with repayment and to see my terms and my services won't provide me any paper is concerning as I do not believe the amounts I owe are the true amount. Can you please get my terms and agreement paperwork and ownership documents from NCT so I can have the binding documents that my loan is in fact still intact.
Company Response:
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XX/XX/XXXX : Approved for In-School Deferment from XXXX XX/XX/XXXX : Received correspondence that a payment in the amount of {$230.00} due on XX/XX/XXXX XX/XX/XXXX : Called and spoke with a representative about this error, notified that nothing has changed with my enrollment status at the University of XXXX XXXX ( XXXX XXXX for summer semester ). Put account under review, was told not to take any action and that no new paperwork needed to be submitted. XX/XX/XXXX : Re-uploaded copies of emails, enrollment status from XXXX, and emailed asking for written confirmation that my account was under review and that no action was necessary on my part, and that I would not be penalized as the borrower - ex : accrued interest, negative impact on credit, eligibility for PSLF Program, eligibility for future in-school deferment, etc. XX/XX/XXXX : Called and spoke with another representative who stated that my account was put under review again and would put my account on a 60 day deferment based on this issue and the time it was taking to be resolved. I would see a change in my log-in notifying me of this on the FedLoan webpage in 5-10 business days. XX/XX/XXXX : Fedloan Servicing responds to email sent on XX/XX/XXXX, stating that their " records indicate that I was in contact with their office on XX/XX/XXXX and received assistance regarding the inquiry of your email. '' XX/XX/XXXX : Email from FedLoan Servicing reminding me that my student loan payment was due, in the amount of {$230.00}, on XX/XX/XXXX. XX/XX/XXXX : Log in to FedLoan Servicing account to see that new balance owed has shot up to {$460.00}. Emailed FedLoan Servicing with another request for written confirmation that my account was under review, and would not face any penalties as the borrower due to an error on the part of FedLoan Servicing. Inquired as to why amount owed has shot up to {$460.00}, when this account is supposedly frozen and under review. All statuses on existing loans on this account read " DELINQUENT ''. XX/XX/XXXX : Filing a complaint with CFPB.
Company Response:
State: NM
Zip: 87120
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have 2 issues that I have been trying to resolve. Issue # 1 : On XX/XX/XXXX, I faxed over my application for the Public Service Loan Forgiveness ( PSLF ) program. I also submitted a second application for PSLF on XX/XX/XXXX. The XXXX application was for my years of XXXX service in the USA starting XX/XX/XXXX and the XXXX application was for my years of XXXX service between XX/XX/XXXX to XX/XX/XXXX ( I left the USA to XXXX abroad for 3 years ). On XX/XX/XXXX I was notified via letter that my XXXX application was denied due to incomplete information. I refaxed again on XX/XX/XXXX to which they denied again on XX/XX/XXXX due to missing information. I faxed again on XX/XX/XXXX. I called on XX/XX/XXXX to inquire about the status of my application and the CSR told me that it was never received. She told me to take a photo of it and upload via website which I did that day. Finally, on XX/XX/XXXX I received notification that my PSLF application was received and processed ( original application sent XX/XX/XXXX )! I have called several times to inquire about the number of qualifying payments I have that count towards PSLF. Every time, I am told to call back because they have not been processed or calculated ( see attached phone records ). To resolve issue # 1, I want to know how many qualifying payments I have made towards PSLF. According to the notice I received on XX/XX/XXXX for my XXXX application, qualifying payments are calculated within a few weeks. However, it has been since the end of XXXX and noone can tell me how many qualifying payments I have made! Issue # 2 : On XX/XX/XXXX I sent my annual Income Driven Repayment ( IDR ) plan request. On XX/XX/XXXX I received notification that my payments would jump from {$0.00} to {$940.00}. I called and CSR told me to resubmit an application and check the box for " lowest monthly payment ''. I immediately did this and on XX/XX/XXXX, I received notification that my application was denied. I uploaded again on XX/XX/XXXX and it was denied due to insufficient documentation. I uploaded again on XX/XX/XXXX and was told that I would receive my updated payments by XX/XX/XXXX. After still not hearing anything, I called on XX/XX/XXXX to inquire about my 5th application for an updated IDR payment plan and was told that I need to make a {$5.00} payment to complete the application process- that is what was holding up my application. I explained I never received notification that I needed to do that! I made payment and was told to wait for my new payment amounts. To resolve issue # 2, I just need to know what my new payment amounts are!
Company Response:
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Ihavebeenafederalemployeeforthelast12years,withthesameemployerwithbreaks.MyemployerqualifiesforPSLFprogramandhascertifiedmewithFEDLOANServicinginXX/XX/XXXXformyemploymentperiodXX/XX/XXXXtopresent.FEDLOANhassentmemultipleincorrectlettersstatingmyfederalemployerdoesntqualify,andaletterstatingtheydoqualifyforPSLF,butFEDLOANwillnotreportcorrecttimeframeorqualifyingpaymentsamount.Ihavemade121monthlypaymentssinceXX/XX/XXXXtopresentandhaveXXXXleftonmyStandardXXXXplan.FEDLOANisonlycounting1paymentthatqualifies.TEPSLFapplicationskeepsgettingrefusedbythembecausetheyfalselyreportIhaventworkedformyemployerUSOfficeofPersonnelManagementfor10yearsormade120payments.IgetanewdifferentandincorrectcalculationorresponseineachemailorletterIreceivefromthem.Withsomanyfraudulenterrorsbythem,itmustbeonpurposesothattheydontprocessmyloanforgivenessthatIamlegallyowedunderTEPSLFprogrampassedbycongress.Withcorrectcalculation,myloanshouldhavebeenforgiveninXX/XX/XXXX.IvetalkedwiththeirOmbudsman,butstillkeepgettingcalculationerrorsanddenials.Ihavenowoverpaidmyloans1payment,andexpectthemtofixtheirerrorandrefundmeanyoverage.IfforanyreasonIstillneedtomake1or2paymentstosatisfyTEPSLForPSLF,Iwilldoso,buttheyhavenotprovidedmeproofotherwisethatIhaveadditionalpaymentsowed.Theydonotworkwithme,thecustomer,andtheyaretheonlyservicerthatcanprovidemePSLF.Themovedmypaymentsoncetoabout{$1900.00}amonthonPSLFIncomebase,andIhadtoscrambletofixtheirerror.Theyhavethousandsofcomplaintsonlineagainstthem,theyshouldgettheircontractremovedandneverbeallowedtoservicePSLFagainduetopurposefullymismanagementofit,whichisfraudulentandillegal.CEOshouldbeprosecuted.
Company Response:
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I attempted to apply for a modification. I called on XX/XX/XXXX and requested the application. I was told I would receive it in the mail in approximately 10 business days, and that it may be available in my paperless inbox within 24 hours. I waited for the paper version and after 10 business days I had not received it ( however, I still received my bill just fine ). I could not log into my account, and to my knowledge I had never logged in. I called back on XX/XX/XXXX to see what had happened, and was informed that the application was never sent in the mail, as my account is paperless ( unless it's the monthly bill ). I was assisted with getting back into the account, and was able to fax the completed application the following day. I was told it could take up to 10 business days for them to process it, so I waited until today, XX/XX/XXXX, to call back. I was told that the application was denied because ( 1 ) it lacked a cosigners signature ( when it did not ) ; ( 2 ) that I did not include a payment statement for myself and my cosigners ( when the language on the application was vague and sounded as though it could be requested, but was not required ) ; and ( 3 ) that I had not submitted it within 30 days of requesting it. I expressed frustration that neither the representative nor the supervisor I spoke to on XX/XX/XXXX informed me of the 30 day window, which had already passed when I called. I requested a new application, and was told I would receive it in the mail within 10 business days. I expressed my concern with what happened previously, and the rep from the modification department told me that they ONLY send the application in the mail. I waited and called back approximately 20 minutes later to file a complaint on file, and was told by a different supervisor from the service department that the application would not be mailed and would only be available in the paperless inbox. I requested a stay on negative credit reporting, as there is a risk to that in 8 days, and it will likely take longer to get the application resubmitted and processed, but he told me that he can not do that and all I can do is either make the payment or dispute the negative reporting. There was seemingly no accountability between departments, and overall I have felt left by the wayside when it comes to helping me repay my loans. I understand that I need to pay them, but I can not afford the large payment, and they seemingly purposefully make it difficult to get the modification.
Company Response:
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A