Date Received: 2019-03-06
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: I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been requesting XXXX to unlock my account for over a year. I am unable to manahe my loans. I complained at CFPB and XXXX promised they would unlock ot. Yet my account still remains locked, and XXXX does not reply to my mails.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I am currently enrolled in the PSLF program, having worked full-time for XXXX XXXX XXXX XXXX after consolidating my loans toward the 10-year/120 qualifying payments for loan forgiveness. Since my loan was purchased by loan servicer XXXX XXXX XXXX I have put in requests for updated calculations on the qualifying payments I have made ( in total - including the payments I made to prior servicer XXXX ). Over the course of a year, I have been requesting the updated calculations over the phone at XXXX XXXX XXXX. Beginning in XXXX, I was told that my request had been put in and to wait 30-XXXX days, again in XXXX I was told to wait another 30-60 days. We are now in XXXX and I have not received an updated calculation. As I am now nearing the end of my qualifying period, I require an updated calculation. I am receiving as I type the same information and no movement toward calculation of my remaining qualifying payments. Though I have paid for over 6 years and made all my payments, their online tool and their representatives show I have 110 qualifying payments remaining as though I have *only* paid 10. This is very very very incorrect.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: in XX/XX/XXXX i had a major crises and XXXX placed my kids with my sister. i had a caseplan and i worked as quickly to remedy and get kids back. i was working raising a pre teen and an infant. at below poverty wage. i qualified vfor a pell grant.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX the school knew and promised me they'd get me my Pell Grant and convinced me to go ahead and enroll with these loans stafford and unstafford. i was not sure of there accredidation and repeatedly inquired as to transfer availability. a XXXX accredidation. upon first semester i hadnt gotten any counseling or notification to the pell grants i was to really get. i finished first term. second term i went only two weeks. into that term still no help with grant. no help from XXXX in helping me or protecting me. and found out through letters i sent out to various attorney firms that the legal community would not even recognise any degrees from XXXX colleges and not XXXX XXXX XXXX a XXXX school. i nwouldnt have obtained employment, nor were there credits transferable tko any state college or university. i dropped thge first two weeks of second term. i have been trying to get this loans discharged on many legal true factors. 1. inavailabilty to have benefitted based on above statements, 2. I have become XXXX. awarded fully favorable workers XXXX. long term. indefinately.3. the schools failure to honor my qualified pell grant and cease any loans based on a famikly low income wages program.4. the inability to be able to benefit and obtain employment in field. and the fact i would not have been able to transfer credits at all. the school later sold out to another school called XXXX university. and they went out of business too. it is now an empty building. can not get any records. this is causing my credit score to be bad. based on all factors especially XXXX i will never be able to pay. nor shoukd i. many have had these loans for this school discharged based on same reasons. school both times was a fraud. i can not acquire a better place to lkive and am XXXX i require a better accomidations. it hinders greatly my ability to do so. my credit poower is not good. i have repeatedly tried i only get yearly forebearances. now oinlky every 3 months. i have many legal arguments to have this totally discharged and need your help. through XXXX. or better yet XXXX does total XXXX discharges. its very old and i need them to stop squeezing me into this fraud school attachments to follow
Company Response:
State: FL
Zip: 33880
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: To my knowledge, I was never late on my XXXX student loan with account number XXXX**** ( Opened XX/XX/XXXX ), 7XXXX**** ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ), XXXX ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ). But I realized that I was reported as being 120 days past due in XX/XX/XXXX and 150 days past due in XX/XX/XXXX which is not true because I was supposed to be in deferment but then I got current right away. And then I was reported as being 90 days past due in XX/XX/XXXX when I had already processed my paperwork to consolidate my student loans which was finalized on XX/XX/XXXX. I have had student loans since XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This letter is to notify you that I no longer am disputing the account number above. Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this letter.
Company Response:
State: NJ
Zip: 07740
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loans were transferred to XXXX XXXX in XX/XX/XXXX after I applied to the Public Service Loan Forgiveness Program ( PSLF ). After much chaos with trying to establish the best repayment plan, I settled on the Standard Repayment Plan. In XX/XX/XXXX, I was notified that my account was in " pay ahead '' status. I was told that at some point, I elected to pay more than the required monthly payment amount to decrease my overall debt. However, I do not recall electing to pay ahead, and there is no documentation showing this either. Pay ahead status would decrease the overall amount of loans forgiven in PSLF, so I do not want to be in this status. In this same phone call in XX/XX/XXXX, I requested to be taken off of pay ahead status, and was notified that my request was immediately taken care of. However, my account still says it is in pay ahead status today ( XX/XX/XXXX ). I have already called to request this be taken off, but nothing has worked. Additionally, I am enrolled in auto-debit and was told I would see an interest rate deduction of 0.25 % after my XXXX monthly payment. This is not reflected on my account.
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXX lied to me about my previous employer, XXXX XXXX being a qualifying company for the loan forgiveness program. I have the paperwork that they sent to prove it, along with the apology letter, stating they made a mistake.I would like those those payments reinstated as qualifying.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I work for a public employer ( XXXX XXXX XXXX ) and am enrolled in the Public Service Loan Forgiveness program. I submitted documentation to XXXX XXXX on XX/XX/XXXX ( an Employment Certification Form ) showing 95 months of qualifying employment. These months have not been credited. I have called multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) attempting for find out why this extensive amount of employment has not been credited. Each time I was told it was " in processing '', " under review '', etc. Basically, the runaround. I have also submitted documentation for an additional 11 months. Because they refuse to review the documentation submitted per their requirements on XX/XX/XXXX, I am unable to get relief. I am now approaching 120 months of qualified employment and should be eligible for relief under this program. I would like for them to review the employment certification submitted on XXXX/XXXX and credit me for those months of qualified employment.
Company Response:
State: AL
Zip: 36117
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have a problem with XXXX PSLF program. They said my account has been " in review '' since XXXX. I am trying to get an official letter stating the total months of eligibility I have received. They said its 24 months on the phone but they won't provide this information in writing. I have called 6 times over the last 6 months. They said their processing update time is normally " 10 to 12 month '' but since my account has been " in review '' since XXXX this is well beyond their already lengthy processing time. I would like to find out what actions I can take to force them to acknowledge my student loan forgiveness eligibility before accepting another job in a PSLF eligible field.
Company Response:
State: HI
Zip: 96761
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A