Date Received: 2019-04-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX XXXX has denied my Public Service Loan Forgiveness ( PSLF ) Employment Certification Form ( ECF ) claiming that if the organization is currently operational, then I must get an authorized official 's signature ; however, this is only partially true : Section 2 clearly states, " Check this box if you can not obtain certification from your employer because the organization is closed or because the organization has refused to certify your employment. The Department will follow up to assist you in getting documentation of your employment. '' I checked that box & my PSLF ECF ( Public Service Loan Forgiveness Employment Certification Form ) was denied without the opportunity for the Department to follow up or assist me in getting the documentation specifically because, as I've informed XXXX, while I still work for the XXXX XXXX XXXX XXXX ( XXXX ), my new supervisor refused to sign the ECF which categorically falls under the issue of the organization refusing to certify my employment. XXXX has a legal obligation, of which it is currently negligent, to offer a second option for employment verification.
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2019-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. Section 605B states that if an account is a result of identity theft, then it must be removed. I disputed with the credit bureaus about PHEAA, and the dispute returned back " verified ''. Simply stating that this account was verified doesn't change the fact that I don't know what it is or why it's reporting negatively on my credit reports. Deleted this immediately or I'll file a lawsuit.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2019-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-28
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I sent my paperwork to XXXX XXXX in XXXX for Public Loan Service Forgiveness. They approved my employers and pulled my account from XXXX ( who had everything in order ). I tried calling them to check status a few months later and they told me it could take up to a year or more and I wasn't a priority. It is now XXXX and I still have no idea where I am at with the 120 payments. In addition, I sent my Income Based Repayment paperwork to them last month and haven't heard anything on that either. I am concerned because I have read complaints that this paperwork doesn't get completed timely either. I do not want to put my loans in forbearance because they can't keep up with paperwork.
Company Response:
State: FL
Zip: 32304
Submitted Via: Web
Date Sent: 2019-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: AES/PHEAA - Last year, I was paying this student loan servicer over {$500.00} a month and had been for over 5 years. When I went to apply for a mortgage, my credit report showed that this company had put my account into collections. At that time, I paid off the account ( about $ 80K ) and requested documentation that showed how AES/PHEAA determined the account was a collection when I was paying on it for so many years. After much back and forth AES/PHEAA said they would take this account ( Account # XXXX ) off my credit, please attached document. However, it has been almost 5 months and this account is still is on XXXX and XXXX. They removed it from XXXX only.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: They were properly notified that I was XXXX and on ssi for several years and placed my loan in default anyway.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play onXX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to mid-XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XX/XX/XXXX and XX/XX/XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.
Company Response:
State: FL
Zip: 32571
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, again 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX and 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
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: On XX/XX/19, filed a dispute with XXXX regarding the XXXX XXXX payment history not reporting correctly. On XX/XX/19, XXXX sent results stating the investigation was complete and they verified with the XXXX XXXX that the data was reporting accurately as " in deferment '' However, XXXX refuses to report those months as " current '' on my credit report. I called XXXX XXXX on XX/XX/19 and requested a letter that would include the payment history. I was told that the letter would take several weeks to receive. XXXX XXXX verified via phone that they submitted the data to the credit bureaus for the months that I was " in deferment '' as current. XXXX refuses to update my credit file. I am still awaiting the letter from XXXX XXXX to send to the credit bureau and will forward the letter from XXXX XXXX when I receive it. If XXXX does not update my credit file, I will exercise my rights to file a law suit against the company for inaccurately reporting this account on my credit file. I am attaching a letter from XXXX XXXX regarding the forbearance letter stating that interest is still accruing on my loans.
Company Response:
State: FL
Zip: 32312
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX claims I have been 100 + late on payments but I have been in school the entire time. I got my XXXX XXXX now I'm getting my XXXX. When in school your loan can be deferred and it shows on my credit mine wasn't and still isn't in deferment.
Company Response:
State: UT
Zip: 84302
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2019 I spoke with a representative before I filed to re-certify my income driven repayment plan with fedloans.gov. I explained to her my situation ... that although I was making more money than the previous year, my financial obligations had also changed. My living situation had drastically changed. I am a single parent with a XXXX year old who is starting school in XX/XX/2019, which I have to pay $ XXXX monthly for ( not by choice ) and I also now live on my own paying a $ XXXX monthly mortgage. I was living with my parents before and was not paying rent. I moved out of their house ... now XXXX years old. I could not afford an increase in monthly student loan payments. I was paying about $ XXXX monthly, in student loans at the time. I was seeking some form of financial assistance from the Fedloan.gov student loan representative. She told me there was nothing she could do because I did not have any forebearances left and I made too much money to qualify for a hardship deferment. I in fact had a serious hardship, and was considering defaulting on my loan because of it! This interaction with this representative made me realize why people just give up paying their student loans, and let them go into default. Its bad enough that a loan that started with XXXX/XXXX at {$80000.00} turned into {$190000.00} from just the unfair interest that accrued over a few years ... but when your trying to just keep your payments the same and reasonable so that you can support your family, and you are not given any options ... it makes student loan companies look that much more shameful and abusive. As of XX/XX/2019, Im paying {$620.00} a month towards this horrendous student loan that keeps increasing, although I graduated from college over a decade ago and it has ruined my credit and forced me to consider it not being worth trying to pay anymore, so that I can provide for my daughter and I, without the grotesque hardship it is creating for us.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A