Date Received: 2019-04-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received an email in XX/XX/XXXX, that my student loans would be coming due soon ( 1/2 way through grace period ). I was enrolled in two schools on quarter systems and enrolled in a total of 9 quarter credits-starting in XX/XX/XXXX when I got this letter. I had just completed 4 credits at one school 2 weeks prior to this letter ( so rightfully in grace during the prior term ). However 9 credits for the upcoming term is over the 1/2 time requirement necessary to keep/get " In-School '' status set fourth by the US DEPARTMENT OF EDUCATION and student loan program. I ignored it thinking they had just not been updated about my enrollment for the upcoming term. It should be noted that at my university, I am in the dual enrollment program with the local XXXX colleges. I DO NOT currently receive any financial aid, at any school. I am not requesting any financial aid at any school. I then received additional emails about repayment at the end of XX/XX/XXXX). I emailed them XX/XX/XXXX. I contacted my loan servicer showing proof of enrollment in the 9 credits, and told them I was told by my schools financial aid office, that I should not be in, or nearing repayment as I am enrolled in 9 credits. My loan servicer said I needed a form called " The Consortium Agreement ''. I told my school, my school said a consortium agreement is only given when students are getting financial aid- so you don't get financial aid at more than one school, and so they can determine how much to give you. They said it is not necessary to prove your enrollment status, and the only thing my loan servicer needed was proof of enrollment in at least 6 credits ... Found in the National Student Loan Database. This was provided, as was screenshots of my registration page from both schools. My servicer responded again saying I needed the consortium agreement. I have searched online for proof of this requirement, because after speaking to the financial aid offices at both schools, both said the same thing. And my federal loan servicer is refusing to give me in school deferment for Winter XXXX ( XXXX XXXX XXXX XXXX ) without that form. I should have entered my grace period after this term. Nothing online outlined by the department of education says this is required. The requirements for in-school deferment are that you are enrolled in a department of education approved program at least 1/2 time. I was enrolled over 1/2 time in an approved dual enrollment program. My servicer can not make up fake terms to try and collect money and apply interest unlawfully to my loan when I should have been in " In-School Deferment '' and should now be in my first month of " Grace-Period ''. Note : Attached is an email from my loan servicer. An email from my registration office- I resubmitted my co-enrollment application thinking maybe something went wrong or maybe it had been too long since I was last co-enrolled. They emailed my back saying my enrollment status in the program was still active. I then emailed financial aid- asking about the co-enrollment form- they said I needed to do my fafsa- I asked why I needed a fafsa if I didn't want financial aid, I just wanted to prove enrollment status, they responded ( attached as well ) saying that the form is only needed if receiving financial aid. This is when I called them- fully explained what was going on, and they confirmed to me that Consortium Agreements are used to determine how much students can get in financial aid and so they don't get financial aid at two schools. Neither of which is necessary for someone not getting financial aid.
Company Response:
State: OR
Zip: 97266
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My loans are currently serviced by FedLoan as part of my enrollment in the Public Service Loan Forgiveness Program. I have asked for an accurate count of qualifying payments and it has been about a year without a response ( in their records I asked for count in XX/XX/XXXX, but I asked for manual recount in fall XX/XX/XXXX AND XX/XX/XXXX ). The current count listed in my account on the Fedloan website is incorrect. The National Student Loan Data System does seem to have an accurate count ( per my records ). I would like an accurate count per Fedloan so that I know how many qualifying payments are remaining before my loans are forgiven.
Company Response:
State: CA
Zip: 94403
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do. I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these XXXX, XXXX, XXXX today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
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: There were a total of three letter asking verification for a presumption of 60 day late on my account. They were delivered XX/XX/2019, XX/XX/2019 and XX/XX/2019 respectively. I haven't receive any verification from AES that my account is being properly reported to the credit report. They have failed three times to provide me that information.
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: AES recently responded to a Response I made on behalf of my initial complaint. AES again failed to exercise any proof that my claims are invalid. Instead, many assertions were made by them which seem to overshadow their stance on any assertion. The examples they provided are not satisfactory enough to prove that AES didn't do anything wrong, but in fact makes them even more suspicious while they quickly defend themselves without showing hardcore evidence proving their innocence. Payments will be made by the week of XX/XX/XXXX to be caught up with all payments past due and due by the end of the month. While it is absolutely a borrower 's responsibility to cooperate with paying down their Student Loan balance, I also feel that AES owes every single borrower an explanation when it comes to the online claims through Articles, and the likes that they are far from innocent. In addition, one can only conjure up what really goes on behind closed doors at this place given the recent Education Scandal. How many Celebrities have delivered bribes to AES, I wonder? Believe it or not, there are many co-conspirators in society today, and any Fortune 500 company as well as other financial companies are no stranger to that ugliness. AES should re-examine all positions within the company and should remove positions that have no meaning or purpose, which I would say is about 99 % of the executive staff. Let 's face it EXECS, none of you do any actual work. As far as the moral population goes, you all like to freeload. Wasting turns to lying, and then lying turns to cheating. Cheating eventually turns to breaking the law. I'd be willing to bet many of you belong in jail. XXXX has a close eye on you. Feel free to think about that while I do my own detective work. XXXX XXXX XXXX XXXX.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My name is XXXX XXXX. I have been fighting with FedLoan services for quite sometime. I have obtained a lawyer ( XXXX XXXX ) to help me fight against them. Long story short, ( XX/XX/2017 & XX/XX/XXXX ) their website payment and email system had many flaws. Emails would indicate that a payments are over due. I would visit their site to make a payment, but no where on the site would it indicate an amount, nor would it indicate which loan was due. I have many loans with FedLoan from school. So I would make a payment so that I could at least make some payment so I wouldn't impact my credit, I still continued to receive emails saying I owed money. So I called to see if I could get a consolidation so that I could get a single payment with no confusion. The representative said he would pause payments until he could get approvals for me to get a consolidation. And that if I saw credit late notices on my credit to disregard them and that it will eventually get removed. Well, they never got removed, nor did they seem to want to remove them ( " Its a late payment regardless is the response i got '' ). So I decided to get automatically payments setup so that I didn't have to deal with these problems. Now I have all these late payments in my history and it's destroying my life. I can not get a mortgage or any other benefits because of what Fedloan services have done to me. I have contacted the Federal Student Aid office to have this investigated. In addition, I have applied to have a consolidation with a new loan office to aid me going forward and i am hoping to get approval so that i no longer have to deal with the Fed Loan service anymore. I have contacted them numerous of times to resolve our differences and they refuse to come to terms to help me. They have also declined a " payment of deletion '' offer that was suggested by my lawyer.
Company Response:
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a consolidated loan from 2010 that is in repayment and I didnt want repayment stopped when I enrolled in XXXX. I completed a form as such. I recently found out they applied that to another loan that was in deferment while I was attending school which there is a recording that I stated only on the 2010 loan consolidation. I have tried for several months to get this corrected with them and there have been a flurry of phone calls to them and Everytime I call there has to be another form completed with another department but it is causing creditors to drop my credit and my credit report has taken a serious hit. When I called today, I challenge you to listen to their recording as they said there is no one that I can call to complain and they say I just have to wait another 30 days. This has been going on since XXXX and it's unacceptable that an agency can cause this much disruption to an individual 's life. Several reps stated it was the agency 's fault and, Ordered the paperwork and stated it was a simple electronic process to the credit bureau. In today 's age, this should not be allowed to fall through the cracks and they should do what they said in XXXX.
Company Response:
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX reported seven of my loans to the three major credit bureaus as being in default and ruined my credit. This is false as I have made every payment I was supposed to make under my IDR plan at that time. I am on a new recalculated IDR plan to repay my loans. I had all my loans that XXXX services in forbearance ( they didn't offer me deferment ) from XX/XX/XXXX - XX/XX/XXXX because I had a substantial drop in income. I was on an IDR at that time and could not pay the {$190.00} for that seven months. When my forbearance ended XX/XX/XXXX I received an email from XXXX that my XXXX payment for {$190.00} was due which I paid. In XX/XX/XXXX I received another email from XXXX that it was time to re-certify my IDR. I mailed the paperwork to them on time and two new IDRs were approved for the different loans for a monthly payment of {$140.00} which I paid for XX/XX/XXXX. Since I have been consistent with my payments ( I have to make my payments at the end of each month for that month as that is when I get paid ), there is no way my loans can be in default. I have followed all instructions for my payments and I have made all payments per my IDRs and none have been over 15 days late. It is not right that I was reported to the three major credit bureaus as being in default and that my credit is ruined now to the point I can't do anything. I received default notices in my XXXX paperless inbox that I don't understand, nor do I understand how I can be in default on loans that were in forbearance for seven months. How can my payments be 120 days overdue when I've made all payments as required by my IDRs when my loans weren't in forbearance? When I made my XX/XX/XXXX payment, my account said I currently owed {$1000.00} - plus my IDR payment of {$140.00} for a total of {$1200.00}. Where did the {$1000.00} come from? I had not received any notices about it and all of a sudden it appears. It wasn't there when I made my XX/XX/XXXX payment, and how can I owe that much for a payment? If I could make payments that size I wouldn't request and IDR each year. When I logged into my account XX/XX/XXXX, the balance due was {$920.00}. Apparently the XXXX payment I made went toward that balance that came out of nowhere. I called XXXX the same day and and spoke to a customer service rep who said she could put a forbearance ( again I wasn't offered a deferment that doesn't cost me more money ) on that amount and my account would show only the {$140.00} that is due each month. Now my account shows I have a balance of {$680.00} that is past due. This can't be correct because I have made all payments per my IDRs as agreed. The forbearance the customer service rep I spoke with on XXXX apparently was from XX/XX/XXXX - XX/XX/XXXX and I made payments for both months. I do not understand this. I am being jerked around and I was given incorrect information on XX/XX/XXXX when I called and talked to the XXXX customer representative. I am unable to pay anymore than the {$140.00} ( I can barely scrape that amount up ) per month per my two new IDRs, and that is all I can pay for my XXXX payment which will be made XX/XX/XXXX when I get paid. I work only part-time and my income varies by the number of credits I am given to teach each term. My family and I are barely scraping by. During the XXXX call, I also asked if I could change my payment date so my payments wouldn't be 15 days late ( a different XXXX rep told me at a different time during a different call that it is okay for my payments to be less than 30 days late as they won't be reported as being late ) and the customer rep I spoke to on XX/XX/XXXX said I'd have to call back and ask for a due date change. The rep put me off - why should I have to call back?
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-18
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: On XX/XX/2019 I called XXXX XXXX twice - but talked to three different individuals. The first call was with a very nice agent, but she asked me many questions ( most of which I did not know the answers ) and she told me to guess on the answers. Well, it was not clear to me why she was asking me the questions and that it would impact the monthly payment amount. She put me on hold many times when I told her the amount that she stated would not work for my family situation ( my husband has been unemployed for 4 years and has been in the process of applying for XXXX ). What I now know only because I did my research online is that she was trying to figure out how to reduce the payment through some of their various programs. She told me at one point that I had reached the maximum forbearance time which I thought was interesting as that had never been communicated to me in any previous communication with them ( a time limit was never provided ). Once I spoke with my husband and got the correct amounts for the financial questions they were asking I called back. This individual gave me a lower monthly payment, but it was still not doable. I called again and asked to speak with a supervisor ... the person was very hesitant and I told her that I was concerned that I was not being presented with any detailed information. She put me on hold and said she thought she could help me with some options. All of a sudden I had a different person on the line - she told me her name, but not her title. I assumed she was a supervisor, but she didn't have any different knowledge, but just spoke more eloquently ... .in fact, the number the previous person had provided she said was far to low than what they ever approve and so she raised it back up. I had no clue what she was talking about ... the inconsistency is absolutely crazy ... and the lack of communication regarding options. I called my husband and by that point in time he had been on their website and found many options articulated, entered the information and the monthly payment went down even further than what the lowest one was ... again ... this is crazy. It feels like this was purposeful in that they don't want you to understand what your rights and options or what you may be available for ... .they just want your money ... which I get, but it's sad when I can work with other companies to collect their debts and they are understanding and provide information ... .this company is not transparent and dishonest in their practices.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2019-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: To Whom It May Concern : I am having issues with XXXX XXXX accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. I began paying my first payment pn XX/XX/XXXX with XXXX XXXX and have been on qualifying repayment plans since then. I have also completed at least three separate Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit organization from XX/XX/XXXX to the current date without a break in service. XXXX XXXX informed me that some monthly payments have not counted despite no changes in my employment status and the lack of any late payments or forbearances. I have never applied for any type of deferments or forbearances. Customer services representatives give me different information each time I call. Ten months ago, the company initiated a recount of my qualifying payments. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified as to a basis for the initiation of their investigation. I have not heard from them at all. On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program was 12. I have made 23 qualifying payments to date. As instructed, I submit my Employment Certification Form on a regular basis. I seek the assistance of the CFPB, I've devoted my career as a public service employee and have abode by the rules of the PSLF program. XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program. My qualifying payments should be at 23 and each one should be counted going forward.
Company Response:
State: VA
Zip: 22309
Submitted Via: Web
Date Sent: 2019-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A