Date Received: 2019-06-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hi. I had to resign from my job in XXXX XXXX to move back home to care for my sick father in XXXX, Texas. His health went into decline after my older brother passed away. After moving back to XXXX, Texas, I have struggled to find permanent employment. I have been working temporary jobs through staffing agencies, however at times I've gone from one to four months without any work assignments or income. In XXXX I ended an assignment and contacted AES/XXXX XXXX about my financial situation. I request an Income Based Repayment Plan with them around XX/XX/2018. They verbally approved it on the phone and said they would send me additional details. I did not receive additional information requests or forms to fill out. By XXXX, I called them again to find out what the status was, however they have been charging me for late payments the whole time. In XXXX they said that they received an approval from the Department of Education 's Student Loans agency indicating that I was approved for Income Based Repayment. I uploaded copies of my paycheck stubs and Tax forms. However, AES/XXXX said they rejected me because they did not receive those documents. I asked them why they did not take that up with the StudentLoans.Gov representatives and they said they did not know. I'm now over 6 months late on payments with them and they have not gone down or been adjusted based on my income, however late fees have accumulated. I feel like they have behaved in predatory ways and steered my loans into default by creating stonewalls in every way that I tried to adjust payments based on a change in my finances. When working with federal loans, I was able to upload all requested documents online, easily. This was not the case with XXXX/AES. When working with AES/XXXX, they did not allow me to upload documents online and said they sent things in the mail and they operate by old fashioned mail only. Before moving to XXXX, I paid all of my loans responsibly and I was gainfully employed. My credit score was above 650. Today, AES/XXXX has ruined my credit score and this will make it difficult to find permanent employment since most employers in my field conduct comprehensive background screenings that include credit checks. I would like my credit to be fixed and negative marks removed by AES/XXXX, and I would like to my account to be adjusted so payments are based on income and the fact that I have other loans as well.
Company Response:
State: TX
Zip: 77080
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-19
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: Currently the FedLoan servicing is reporting two late payments XX/XX/18 and XX/XX/18 for 30 and 60 days past due. I was in a deferment and setting up a repayment plan with them and I have disputed this with them and the credit reporting agencies with no avail. I am trying to purchase a home and these false negative reports are hurting my chance at securing financing
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I became an employee of a XXXX XXXX XXXX XXXX in XX/XX/XXXX. While serving at the XXXX I returned to XXXX school and earned my XXXX degree in XXXX XXXX. I used student loans to pay for both my XXXX and XXXX studies. Once I completed my XXXX I researched consolidating my loans so that I could pay them off. I was then led to XXXX XXXX as the only companies that I could do this with as they were a part of the loan forgiveness program through the Department of Education. I applied and began my loan repayment XX/XX/XXXX. After making consistent payments for 10 years in XX/XX/XXXX, I reached out to the company to assure that I would only have 2 payments left in the 10 year repayment cycle. I spoke with a customer service representative that informed me that I had already made 133 payments of $ XXXX/month on a 120 payment cycle. He went on to say that I needed to resubmit my loan forgiveness paperwork due to their partner company ( XXXX XXXX ) fraudulently opening deferments. I have never taken or received a deferment. The customer service rep was also able to verify that I had made all of my required payments. In fact, he saw that I had overpaid but informed me that he would need to open an investigation. He warned that during the investigation that I would need to continue to pay, which I did. In XX/XX/XXXX I received a new promissory note that to my surprise stated that I was not eligible and would have to begin payments on the new loan until XX/XX/XXXX. I was totally shocked to see that they did not give me any credit for the payments of over {$49000.00} that I had made and essentially started the entire loan over from the beginning. As of XX/XX/XXXX, I stopped making payments and reached out to a few lawyers that I know. To no avail. I have researched other cases and found that there may be a class action suit for this. I NEED HELP any help you can offer. This has already negatively affected my credit and caused me a great deal of despair in trying to get someone to help me address this issue.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: FedLoan servicing has continually placed me into retroactive administrative forbearance on loan sequences 01 and 02 during times of repayment, while I have been employed by a PSLF-eligible employer, and even while my loans were being serviced by another federal student loan servicer ( XXXX ). In response to CFPB complaints XXXX-XXXX and XXXX-XXXX, FedLoan removed this retroactive forbearance status but in accordance with a letter dated XX/XX/2019 has reapplied it again. Additionally, in accordance with CFPB complaint XXXX-XXXX, XXXX, my prior servicer, verified that I was in repayment with them during part of the time that FedLoan seeks to retroactively claim administrative forbearance and erase my payment history. I am concerned that FedLoan is attempting to erase time during which my loan was technically in repayment status and that they continue to make this error over and over again with no end in sight.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX, I filed a complaint with the CFPB ( complaint number XXXX-XXXX ) about my enrollment status being inaccurate. On XX/XX/XXXX, FedLoan replied stating that " none of the loans reflect Spring XXXX enrollment. '' This is what my record at FedLoan servicing should indicate as I have not been enrolled at any institution of higher education since XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX that stated that my enrollment status had once again changed on XX/XX/XXXX, after FedLoan responded to my CFPB complaint. This new documentation dated XX/XX/XXXX and XX/XX/XXXX appears to indicate that I am enrolled half-time. This would be incorrect information if it is what FedLoan believes and would directly contradict the statement in FedLoan 's reply to CFPB complaint XXXX-XXXX filed on XX/XX/XXXX.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2019 I asked my MyFedLoan servicer a question regarding XXXX XXXX XXXX, and deferment. Since the school doesn't take federal loans, I wanted to inquiry because it is a sudden interest due to a sports injury from running. It's been a week and they still haven't answered my question. I'm ok with them saying no, but at least have the courtesy to respond. Thank you.
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My student loans date back to XXXX under the public service loan forgiveness program. XX/XX/XXXX I submitted a request to federal loans to have my loans transferred to them and they confirmed that all of my loans qualify for public service loans forgiveness and took over servicing my loans. I have been paying on my loans since XXXX when I graduated XXXX school and began XXXX. In XX/XX/XXXX after Fed loans told me I qualified for the program, I was told I would received information regarding how many of the payments I have made over these last 7 years qualify towards my 10 years ( 120 loan payments ). I have contacted them about every 3 months since then and still have not received an answer when I was told originally it would only take 1-3 months to calculate this. It has now been 14 months and they still have not given me any information regarding my qualifying payments and continue to brush off my requests to have the qualifying payments calculated. I have resubmitted employer information for the 2 places I have worked that qualify for this program and am still making on-time payments every month. Current principle balance is {$310000.00}.
Company Response:
State: MI
Zip: 49424
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I attended the XXXX XXXX of XXXX from XX/XX/XXXX XX/XX/XXXX. I took out student loans to pay for tuition that I was consistently mislead and overcharged quarter after quarter, not realizing at the time because I trusted my financial advisor. I paid over {$2500.00} a month as well as taking out student loan and grants that I was not being informed on.I was given false information regarding these loans as being led to believe they were grants and not having to pay them back as well as paying partial tuition up front, ( cash ). I was also misleading on the entirety tuition cost as a whole. The XXXX XXXX promised its graduates MANY things that were never attained post graduation. I was told graduates would be placed in an industry-related job after graduation, and that did not happen. I had no help whatsoever with my job search after I graduated in XXXX. I was also promised prestigious, industry focused internships throughout my time at the XXXX XXXX of XXXX. This did not occur. The professors who had the industry connections did not assist with finding students internships. I found all of my own internships and externships with no assistance from the Institution. I now have over {$85000.00} in student loans that are not valid from an institute that has completely closed down, Nation wide and I can not do anything with this company, AES ( American Education Services ) because it is considered a private loan. So, I can not request a borrowers defense exception for the {$19000.00} that AES is requesting I pay them. I want this company to work with me and see this {$19000.00} student loan went to a fraudulent Institution that is no longer in business and I can not get a Job in my field of study. Therefore, I can not - and should not be held responsible. I am tired of the calls, threats from this company trying to use emails and scare tactics demanding I pay. This private school loan should not be held valid under my name nor I should be responsible because the institute was misleading and fraudulent.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I started my payment at $ XXXX a month and then I received a letter stating that my payment is $ XXXX a month which is over my budget.I had try to make arrangements with them of the amount that I can afford to paid monthly but I they want agreed with that payment.
Company Response:
State: IL
Zip: 61801
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This is an on-going problem that has become " ROTE '' and Repetitious with this student loan debt collecting agency called PHEAA or Pennsylvania Higher Education Assistance Agency. On XX/XX/XXXX I received another Wage Withholding Notice which make 3 within 8 months. No response to my request for a Hearing on each notice. And, no response to the legal documents, forms and letters sent out " Certified Mail '' with each notice. The Packet I sent out on XX/XX/XXXX, " Certified Mail '', to PHEAA and the Credit Dispute Resolution Lead, included incriminating student loan documents taken from my original Files/ School student loan Records. Indicating my Private Loans were consolidated with some Federal Loans. My type of loan, the loan holder, balances, fees, penalties, interest and principle had been altered, lined through, crossed out with defaced manual entry ( s ) listed throughout the documents. This occurred without my knowledge or consent and is indicated on each document page. These records/documents date back to XXXX through XXXX. When my student loan exchanged hands between, my school, The University of XXXX XXXX and my loan holder, XXXX XXXX and was presented to me in XXXX. I questioned the validity of this loan, when I received my first payment notice. I made it known to the XXXX XXXX XXXX XXXX XXXX and filed a claim and sent out letters to various reporting agencies. PHEAA, as it was disclosed to me, has had in their possession, my private loan information as well as the altered documents. Yet, XXXX XXXX previously informed me that a " Disgruntled Employee '' had " Stolen '' my student loan records along with others ' exposing my personal and private Data. PHEAA and its affiliates denied this ever occurred. The supporting documents I sent PHEAA validates my claims and reports of Fraud, mishandling and altering my student loan documents as well as the harassing ROBO calling, notices, threats and scare tactics I continue to endure from this agency and its affiliates. The Recurring Collection/Contractual Violations I am experiencing from PHEAA, along with the number of recent Debt collection calls asking me to apply for a Forgiveness or negotiate reasonable payoff is a Direct Violation and I reported these calls the the FTC with the random/sequential numbers and third Party collection agencies involved with PHEAA. I am convinced PHEAA and its affiliates ' methods follows the form of a Ruse/Disguise to achieve its Abusive/Deceptive Predatory collection practices. Included in the Packet I sent PHEAA on XX/XX/XXXX is a Form for False Cert/Discharge. This is my third time sending this Form to PHEAA.
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A