Date Received: 2019-05-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a deferment letter clearly stating that my loans ere in deferment, yet all my credit reports show XX/XX/2018 as late and the deferment letter received shows in Deferment for XX/XX/2018. I have tried disputing, I have tried contacting company, got no assistance.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-04
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Logging into my account this evening, I once again noticed a retroactive forbearance on loan sequences 1 and 2. I called XXXX XXXX on XX/XX/19 at XXXX EDT and spoke with employee ID XXXX. Employee XXXX told me that I previously requested that be fixed in XXXX and XXXX complied but decided to re-add the retroactive forbearance. The representative was unsure why that occurred and noted that someone at XXXX requested it be removed once again. I am absolutely baffled with what is occurring with my account and want to be sure that all payments made on loan sequences 1 and 2 can count under PSLF. This issue was previously fixed in response to CFPB complaint XXXX-XXXX.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-04
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: As of XX/XX/XXXX, XXXX is once again claiming that I am a student at XXXX College. This was previously fixed but now the fix has been undone. I am not a student at any institution and have not been a student at any institution since XX/XX/XXXX.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have a Parent Plus loan for my child, and she is enrolled full time at school. I got a text notice that the payment is past due on XX/XX/XXXX. I contacted MyFedLoan.org about the incident and they said they were in process of updating the enrollment status and that I wouldn't need to worry about it. Finally, when the payment was 29 days past due according to their records ( XX/XX/XXXX ), I made a payment so it wouldn't affect my credit. I contacted them again on XX/XX/XXXX to check on the status of the enrollment update. They said it would take up to 10 business days to update my records ( per an email response I got ). I sent my next regularly scheduled payment on XX/XX/XXXX for my legacy student loan, with additional principle payment included, and received today ( XXXX ) another notice that I am past due. I logged in and found out that they still have not updated the enrollment status. I have a screen shot showing that I am both paid ahead, and delinquent on my account. I let them know that I would be contacting the CFPB if they didn't fix it last time, and since it's still not fixed, now I'm ensuring action is taken via this request.
Company Response:
State: MN
Zip: 55305
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: To whom this may concern, I have tried to address a tuition reimbursement, after I dropped out from a course with XXXX XXXX XXXX XXXX XXXX, due to work constrains back in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX processes the withdrawal and provided copy of the ledger page showing refunded amount of {$3200.00}. Based on information from XXXX XXXX, the original Balance was {$3500.00}, and the loan increased up to {$5700.00} as Principal Balance with {$48.00} Unpaid Interest. I have contacted XXXX XXXX several times to review the loan, and I have not received any phone call or e-mail as response to my inquiry. I have called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Federal Student Aid, and The Department of Education, and I have not been able to find any assistance. I either get a number to call one of the agencies named above, or get hanged up. XXXX XXXX has stated that they have not received any proof of refund money from FSA. I called FSA at XXXX on XX/XX/XXXX. They also said they have not received proof of the refunded funds. They suggested calling the Department of Education at XXXX. From this line, I was transferred to an automatize system that said to call XXXX. Once I called this number I was told to call XXXX or XXXX or XXXX. At this last number, I was told to call XXXX XXXX at XXXX. As you can see, I have been going in circles with not success. Every person I speak, they say that they can not do anything and they keep giving me other numbers to call. I will appreciate if you can please provide any information to conclude this issue. I can provide copy of the Ledger Card and 1098T forms provided by XXXX XXXX XXXX XXXX XXXX, as well as e-mails. On XX/XX/XXXX, I filed for forbearance as I became unemployed. As I found myself with more time to review my financial responsibilities, I found out that I was making payments on a loan that is charging interest over interests, and a loan that was supposed to be canceled. I will appreciate any assistance you may be able to provide.
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was on an Income Driven Repayment Plan last year and didn't have any issues before I had to recertify this year. I'm also on the PSLF. I have been at the same job for over 10 years. They continued to deny by PSLF, claiming that my employer didn't fill in the correct dates and this was incorrect. I resubmitted the paperwork and it was certified. I call the provider to find out how may qualifying payments I have and she couldn't answer the question or simply refused to answer. On or about XX/XX/XXXX, I received a notice to recertify my IDR. I submitted my IDR request on or about XX/XX/XXXX, I received a letter XX/XX/XXXX, indicating that my amount was going to be XXXX, after being denied for supposedly not submitting the correct paperwork several times. They have now recalculated my monthly payment a total of three times all based on the information that I've submitted. They failed to review any of my documentation before determining their decision to deny them every time and then turn around and approve. I have requested a forbearance for the month of XX/XX/XXXX, XX/XX/XXXX. I called in XX/XX/XXXX to request a forbearance until XX/XX/XXXX, since they continued to drag their feet making a decision. Today at XXXX XXXX they took out a XXXX payment from my account, after I was told that I was in forbearance until XX/XX/XXXX. My payment amount in XX/XX/XXXX is now XXXX, which I'm fine with, until they change it again. The numerous calls and correspondence back and forth with this company is tiring and frustrating. This process is absolutely ridiculous. When I open my mailbox and see anything from FedLoan my stomach turns. HEY WAKEUP CALL AMERICAN DREAMERS- HOME OWNERSHIP IS OUT IF YOU HAVE TO GET FUNDED!! Become very familiar with your student loan provider because you don't have choice as to who services your loan, unless you find a legitimate bank and do it privately. Meet your new life partner ... ITS CALLED STUDENT DEAD DEBT!
Company Response:
State: MO
Zip: 65251
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I requested a Public Loan Forgiveness payment recount from FedLoan Servicing on XX/XX/XXXX. I have called multiple times including today to check on the progress and have been repeatedly told that it is still in review. When I called on XX/XX/XXXX, the customer service representative emailed the PSLF department requesting that my payment recount be expedited. Currently, I have 3 loans remaining. FedLoan Servicing has 2 loans ( Loan 1 and Loan 2 ) showing the payment count as 76 Qualifying Payments made with 44 Qualifying Payments remaining with estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. FedLoan Servicing shows that the other loan ( Loan 4 ) has a payment count of 83 Qualifying Payments made with 37 Qualifying Payments remaining with an estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. By my calculations, I should have already made 83 Qualifying Payments on Loan 1 and 88 Qualifying Payments on Loans 2 and 4. I just paid Loan 3 completely off on XX/XX/XXXX. I would appreciate any help in getting my payment counts corrected. Thank you in advance.
Company Response:
State: KY
Zip: 426XX
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In 2017 and currently ( two separate occasions ) this company has unfairly and incorrectly handled my credit information. Most recently I made an attempt to call FEDLOAN Services and spoke to a representative. In which we discussed the amount and date of my current student loan. Because of a job switch I communicated that I needed to change the date of this specific payment. To which I have just checked my credit score ( after years of trying to rebuild from their first error fresh out of college ) and they have reported my loans 31 times.
Company Response:
State: KY
Zip: 42101
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My income driven recertification form ( XXXX XXXX. XXXX ) was provided to XXXX on XX/XX/2019. The recertification reason, as checked in box number 1, was " I am submitting documentation early to have my income-driven payment recalculated IMMEDIATELY. '' However, XXXX mis-read that the box checked was the second box which states " I am submitting documentation for the ANNUAL recertification of my income-driven payment. '' This is not the box that I checked, and my signature on the form provides evidence of this fact. The annual recertification is in XXXX. I paid {$240.00} on XX/XX/2019 and at that point I had a XXXX balance, with reference to my billings. I timely uploaded my paystub on XX/XX/2019 which show my income is below the poverty level. At that point and going forward, billings should be XXXX. Instead, XXXX has continued to bill me for {$110.00} until XXXX because they interpreted the box in number 1 of the form XXXX XXXX to be the second box ( as outlined above ). They have continued to bill me monthly, with interest, after XXXX, 2019 instead of XXXX monthly billings. We called them and emailed them on numerous occasions in attempt to resolve these issues.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have been trying to get the amount of my income-based repayment plan payment corrected since XX/XX/2019. Last year my husband and I had our student loan payments more than double without any change in our income due to a mistake made by XXXX XXXX XXXX when we requested due date changes on our accounts. Because we could not afford the new payments I put my loans into a forbearance. I have applied for the REPAYE income-based repayment plan and this application has been " processing '' for nearly three months now. I make phone call after phone call and no one at XXXX XXXX XXXX seems to have any idea what is the problem. When I spoke to a representative from XXXX XXXX months ago I was told that my estimated loan payment will be around {$170.00} per month. It is currently at {$280.00} per month. I have inquired multiple times in order to verify my payment amount with XXXX XXXX and in over two months I have gotten no reply. My husband 's situation was corrected after filing a complaint, so I am doing the same so that my situation might also be corrected. This message has been showing up when I login to my online account : Income-Driven Repayment ( IDR ) Resubmitted We received your IDR request. At this point, we will notify you if your request is put on hold or if any additional documentation is needed. At this point, we will notify you of the outcome of your IDR request. We received your IDR request on XX/XX/2019. We will review your request and send a follow up email by XX/XX/2019. This email will detail next steps and any additional actions needed. Reminder : Continue to make your normal monthly payment amount until you are approved and receive a bill with your adjusted monthly payment. I still have not received any correspondence/email from XXXX XXXX.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A