Date Received: 2019-05-29
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I attended XXXX XXXX College back when it was located in XXXX California before they moved to XXXX. I was young, just had a XXXX and was looking to start a career. I joined their XXXX XXXX XXXX program approximately XX/XX/2006. Although the program was not yet accredited, I was promised that it would be by the time of my completion. I was so happy when I finally graduated and felt accomplished. Unfortunately for me and my class mates, the accreditation of the program that we were promised never came resulting in not being able to qualify for state licensing which made us undesirable to employers. No one wanted to hire me with out my state license and in order to attain one, I needed one year experience which I could not get. The two basically cancelled each other out. After this, XXXX XXXX College shut down the program I took ( XXXX XXXX XXXX ) because they couldn't attain the accreditation and then moved the whole school to the now XXXX location. Since then I have not been able to be employed at all in the certificate that I earned through them and have not been able to afford any payment towards my school loans. I am a struggling single mother and times are hard. So I recently applied for a school closure discharge through Fed loan servicing. I felt i qualified because although XXXX XXXX College still operates and provides numerous programs, the specific program I took ( XXXX ) was closed and no longer offered through them because of their own shortcomings with the accreditation. Fed loan told me I did not qualify for the school closure discharge because I completed the program.. I do not understand how being a school " drop out '' would better qualify me for the discharge. XXXX XXXX College was unscrupulous towards me and many other students, it was even proven in court.. and here I am struggling to attain employment and not being able to pay for a loan which resulted in nothing.. and not to mention the program I completed was closed and the location itself was closed. These student loans have haunted me for over a decade. The experience itself has haunted me. I was looking forward to possibly going back to school if i qualified for the discharge and was excited to possibly move my life in a positive direction. These student loans I have now have stopped me from going back to school because I cant afford any more debt. I am left with not very many options and I am filing this complaint with you to hopefully find some answers and solutions..
Company Response:
State: CA
Zip: 91752
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My husband and I have applied for PSLF/TEPSLF and throughout the entire process we have been misled, not given complete information, told to lie or withhold information and fear that the TEPSLF will be no longer because of the loan services not doing its part. We second guess everything we do despite it coming from their call center. We have done ABSOLUTELY everything we have been told to do and still 6 months later we have no resolution. We at one point had our case closed because we didnt complete what was asked in the 21 day window when in fact I uploaded 703 pages of documentation 10 after it was requested. No one dropped it in the file. We would not have known that had we not called 8 weeks later after receiving nothing. Now we are 8 weeks from that inquiry and have made multiple inquiries since and still NOTHING. We have been told to submit unemployment deferment application even though you wont qualify so you can buy 60 days with no payments. That is fraud! We are tired and frustrated and just want FEDLoan Servicing to do the right thing. We have also contacted the ombudsman and been assigned a case manager he has become increasingly unavailable as of late. Additionally we have filed complaints with the AG of the state Florida, Senator, Congressman and US Dept. of Education.
Company Response:
State: FL
Zip: 32327
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The US Department of Education via the Pennsylvania Higher Education Assistance Agency and XXXX XXXX XXXX have cheated my of 10 years of wages and my future livelihood through false promises, false documents, and misleading statements as well as a 100 % complete and total lack of accountability! The loan servicer Penssylvania Higher Education Assistance Agency is a scam! They have countlessly kited me and other borrowers, dragging their heels for the sake of passing time ( and accruing interest ). The longer they take to service anything, or respond to emails or calls, the more interest accrues. On multiple occasions, PHEAA rejected my request to be put on different payment plans. Forcing me to change plans this way and then that, capitalizing the tens of thousands of dollars in interest at each instance. I have been making payments to my student loans since the age of XXXX. I am now XXXX years of age. They have intimidated me and forced me into agreeing to signing their documents, for fear of default, rising interest rates, bad credit, garnishing wages and garnishing my future social security benefit. They repeatedly capitalize all of my loans, and provide me with little or no statement of information including how many of the original 20 years worth of payments are left until I get my promised writeoff. A little timeline : I first took student loans out in 2006 to finance my XXXX education with the promise that my debt would be written off after 20 years of payments. I graduated, moved began working, etc. Later in my life, I decided to do a graduate program, so I needed to borrow more money. Now, PHEAA claims I must pay them for a total of 25 years!!!! This includes all the loans that I took for XXXX! It is absolutely illogical and a scam that PHEAA is now telling me that I have 25 years to pay them off. How can they simply force loans together that were originated for absolutely and completely 100 % different purposes? They can't! But they are doing it anyway! After paying my student loans for 10 years, I now have {$140000.00} in government loans, and XXXX in private loans. I have already paid over XXXX in student loan payments. My initial cost of tuition for XXXX XXXX XXXX ( which skyrocketed over the 5 years I was forced to stay there ) was only {$15000.00}. XXXX XXXX XXXX also forced me to stay at their school for an additional year, since they made " mandatory pre-requisite classes '' which had not enough seats to support the student body. Since completing my XXXX XXXX, I have paid everything I earn toward my student loans. While in graduate school I continued to pay my private student loans, for fear of repercussions and astronomical interest accrual. The above points represent only a few of the major issues going on right now in our country. The colleges and lenders routinely flaunted " tax deductions for student loan interest. '' Well, as soon as someone earns XXXX the so-called benefit ( which was never enough to even offset a small % of interest ) diminishes and disappears. So, now that I earn XXXX in California, and take home XXXX with almost no deductions or savings, I get absolutely no tax deduction to help out. At the absolute minimum, ALL student loan interest should be 100 % deductible. Also, the lender/servicer is incorrectly adding the capitalized interest to principle and then underreporting the amount of student loan interest paid! Case in point : How could I have paid over XXXX USD to loans for something which the original price was less than XXXX, yet I still owe more than XXXX, yet somehow never paid interest? THIS IS ANOTHER PART OF THE SCAM! I have a unique education blend that allows me to 'see ' the/my student loan crisis much more clearly than many student loan borrowers and college goers. My XXXX XXXX is in XXXX, I then studied mathematics followed by earning a XXXX XXXX XXXX. I earned the highest marks ( equivalent to an A ) in every class during my XXXX XXXX. I will not give up. I will not stop fighting. I have only just begun fighting. The American people will stand together on this.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, My accounts with Fedloan servicing were under forbearance and deferement and yet they refuse to update my credit reporting to reflect this. Going against both Sec. 463 ( C ) ( 4 ) ( A ) of the HEA and section 623 A ) ( 2 of the FCRA. This is literally ruining my life. It accounts for 95 % of my negative credit reporting and again.. these accounts were under approved forbearance and I had no reason to make payments. FTC advisory opinion related to this can be found at. https : //www.ftc.govXXXX
Company Response:
State: WA
Zip: 99223
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been repaying my law school loans, which are serviced through Fed Loan Servicing, since I graduated in XXXX. I have been on the income-based repayment plan the whole time. I'm a XXXX XXXX in New York. Every year, I submit annual documentation to keep track of my 120 qualifying payments that I need for public service loan forgiveness. I also submit annually recertification paperwork for my income-driven repayment plan. In XX/XX/XXXX, I uploaded my IDR recertification paperwork to both XXXX ( which services my XXXX loans ) and Fed Loan Servicing. Fed Loan told me it was too early, and that I would need to resubmit in XX/XX/XXXX. So I did - I resubmitted everything on XX/XX/XXXX, following the instructions perfectly as to the required documentation as I always do. I have never elected a paperless billing option for my student loans. Yesterday, I went to pay my student loan online ( which had been {$530.00} a month ) and saw that my monthly payment had ballooned to over {$1900.00} a month. I checked the website and got a confusing message where XXXX claimed they never received my annual IDR recertification paperwork, even though their website clearly demonstrated that I had submitted everything online on XX/XX/XXXX. I called FedLoan servicing and after being transferred 3 times ( total time on phone : 30 minutes ), I was told that FedLoan denied my IDR recertification, claiming they needed my spouse 's tax return. FedLoan told me they had sent me a letter on XX/XX/XXXX asking for this paperwork. I was told it was sent to me via paperless inbox and NOT in the mail. I checked my paperless inbox and saw a letter on XX/XX/XXXX that denied my request, asking for my spouse 's tax return, and claiming if they didn't get it within " a couple of days '' my loan payment would go up. I explained I never got this and that I never enrolled in paperless billing. I explained that I would upload my spouse 's most recent tax return immediately, and asked if FedLoan could immediately recalculate my payment to the correct IBR amount so that I could pay it. I was told no and given the option of either paying over {$1900.00} a month, or placing my account in forbearance until FedLoan recalculates my monthly payment. Placing my account into forbearance means that even if I pay what I *should* owe as my IBR monthly payment, this will not count toward my 120 qualifying payments needed for Public Service Loan forgiveness . It also means that the interest will capitalize during the period my loans are in forbearance due to no fault of my own. FedLoan constantly forces students into forbearance for often months at a time while it recalculates our IBR payments. It's a deliberate scam and is unconscionable - they are making it impossible for those of us in public service to make our 120 qualifying payments for loan forgiveness. I uploaded my husband 's most recent tax return yesterday, and today their website indicates I can expect a " follow-up email '' by XX/XX/XXXX. There is no reason why this should take this long, and they shouldn't be emailing me when I am not enrolled in paperless billing! In addition, because I am on IBR and my husband and I file our taxes separately, they *do not need my husband 's tax return* because IBR does not consider the income of a a borrower 's spouse in calculating the borrower 's monthly payment where both individuals file their taxes separately. The instructions in the annual IDR recertification form did not indicate that I needed to provide my spouse 's most recent tax return. FedLoan then waited six weeks to send a letter electronically to me ( instead of via mail as I request ) that I did not see until yesterday, only giving me " a couple of days '' to provide unnecessary paperwork.
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Fedloan Servicing has miss counted and failed to track my 120 qualifying payments for PSLF. Fedloan Servicing has added an inaccurate administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. My payments from this time frame have not been added to my qualifying payments. My qualifying payments show two different numbers, but I never made half a payment. I never made a late payment except for the two times my loans were transferred to another servicer with no warning. I am at 120 qualifying payments, or within a few months of 120 qualifying payments. As a result of the actions of Fedloan Servicing. I have no idea what is going to happen. Will my payments from XXXX XXXX XXXX be added. How long is an indefinite amount of time Im supposed to wait for resolution? When am I supposed to submit my PSLF application? I called into Fedloan Servicing in XXXX of XXXX prior to submitting my employment certification for XXXX. I spoke with a female employee. I told her my number of qualifying payments were wrong. I asked for them to be reviewed and recounted. She told me what must have been my history in the computer. I heard her say a forbearance from XXXX. I told her this information was wrong. I didnt have a forbearance in XXXX or XXXX. She told me shed open a review. I called in a couple times between XXXX of XXXX and XXXX of XXXX. I was told the review was being done, and it could take nine months. I let it go until I believe XX/XX/XXXX. I received my qualifying payments once my XXXX payments we added, but what about my review. I called in on XX/XX/XXXX and spoke with several employees. Employee number XXXX, XXXX, and finally XXXX. Either XXXX or XXXX told me my review was closed. I told them I didnt have a forbearance from XXXX. I was told I had a school forbearance from XX/XX/2012-XX/XX/2013. I told them I wasnt in school in XXXX. Finally I was given to XXXX. Employee number XXXX. I explained the entire situation. He told me he didnt know why it was closed. He told me he didnt understand this forbearance. He told me it had been removed in XXXX, and added in again in XXXX. He told me I was at or close to my 120 qualifying payments. He said I should have 120 qualifying payments in XXXX or XXXX of XXXX. I told him I thought it was XXXX. He told me hed put in to have it fixed expedited. I thought about it for a day. I decided to not trust XXXX because of what had already happened. I called the company that took over for XXXX XXXX XXXX. XXXX XXXXXX/XX/XXXX had my loans from XX/XX/XXXX to XX/XX/XXXX. They were my provider from XXXX. XXXX did not have any of my records. They told me to contact XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX. The case number is XXXX, and I spoke with XXXX. She advised me to contact the XXXX at XXXX XXXXXXXX. I called XXXX XXXX, and requested an XXXX. I was contacted my XXXX XXXX. I explained the situation, and told her what XXXX had told me. She told me she would be handling my case, and she would be my contact person. This is helpful because no one gives you the same answer at XXXX XXXX. XXXX contacted me again on XX/XX/XXXX. He asked me how it was going. He told me theyd found additional payments in XXXX. He told me I mightve met the 120 mark before XXXX of XXXX. I am trying to patiently wait, but called XXXX again on XX/XX/XXXX. I explained my account showed my PSLF application was denied. I explained it showed the forbearance had been removed. I asked what was going on. She told me she was working hard to get my payments counted from this time. She told me she had to have bills generated from the US Department of Education for the time period. She told me she was on my side. She agreed with XXXX. Id either met or almost met my 120 qualifying payments. She asked me to be patient because it would take an indefinite amount of time. I am grateful for XXXX and XXXX help. I believe they are trying to help me, and theyve been the only ones at Fedloan Servicing to help me. However, Ive either made or almost made the 120 qualifying payments. I cant get PSLF forgiveness until this is sorted out. It shouldnt never happened, and Ive trying to fix it since XXXX. I will call in to figure out how to submit my documents.
Company Response:
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: showing inaccurate information not known to me best of my knowledge
Company Response:
State: KS
Zip: 67205
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I had my last course completion on XX/XX/2019. I have already been called repeatedly and have received a notice that I have missed payments totaling {$390.00}. XXXX Loans claims I am delinquent however I have been in in school deferment since XXXX. They have constantly harassed me in the past despite my in school status.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Fed Loan is inaccurately reporting the status of the Student loan payment status. I have reached out and contacted them to no avail. They are aware of the permenant and total XXXX discharged account with the Dept of Education. However, they are still reporting my payments incorrectly which is affecting my credit profile negatively. The Dept of Education has indicated that Fed Loan was notified, however, they failed to update any status reporting to the credit reporting agencies.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Near the end of 2017, my consumer credit monitoring app reported delinquent payments to Fedloan Servicing. I contacted them immediately because my account was set up on automatic bank draft and I had emails confirming each of my payments. The representative advised the transactions were not successful. Apparently, the banking information I submitted was incorrect. I was never notified the payments had not gone through. I immediately began doubling my payments each month to bring the account current, and asked that my consumer credit file be updated, as the company never contacted me to advise the transactions weren't successful. The company has refused, though they acknowledged they confirmed each of my payments and never notified me of the incomplete transactions.
Company Response:
State: NC
Zip: 27540
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A