Date Received: 2019-03-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have 9 Federal student loans with XXXX XXXX XXXX XXXX. ( Totaling {$30000.00} ) When I graduated the loans remained in deferment for a period of time. I was NEVER notified when loans became due for repayment. Once this was discovered, I called XXXX XXXX XXXX to rectify the issue. I was informed that the issue was resolved yet my credit rating does not show that. XXXX XXXX XXXX states my account is past due for 4 months ( XXXX ) in 2017. I have disputed this with credit bureaus. While the results state there has been an update, the credit reports still show the late payments. There have been no late payments and the account is up to date since speaking directly with XXXX XXXX XXXX. I do not believe I should be penalized for not being informed when the loans became due. I made a good faith effort to resolve the issue yet continue to be penalized due to the credit reporting. I would like the credit report to be updated to reflect no late payments.
Company Response:
State: MA
Zip: 015XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: my school loans were paid and closed in XXXX because of my TPD. The loans from XXXX XXXX XXXX, XXXX and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
Company Response:
State: ID
Zip: 83647
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 have consolidated direct federal student loans, which is serviced by XXXX XXXX. I am enrolled in the PSLF program, work for a qualified employer, and have several years of qualifying payments documented by XXXX. Last year in XX/XX/XXXX, I submitted a new PSLF employment certification form, and I was only credited with 5 payments, when I had in fact made 10 qualifying payments during that time period ( XX/XX/XXXX - XX/XX/XXXX ). I have direct debit set up for my account, so the payment is made every month and on time. I contacted XXXX XXXX XXXX in XX/XX/XXXX to have them look over the payment history again and to re-calculate the qualifying payments. I was told there was in fact a mistake on their part and they would submit a request for review - I was told this would take up to 60 days. 60 days later, in XX/XX/XXXX, I hadn't heard anything so I reached out again. I was told the request was never submitted, so I then asked to have the request " officially '' submitted. I received verbal confirmation on the call that it was submitted for review, and I should hear back in 60-90 days. 90 days passed, and I called in late XX/XX/XXXX, and I was told it would take 6 months for the review to be completed. I just recently called again on XX/XX/XXXX, and spoke to a representative named XXXX ( ID # XXXX ), and was now informed the process takes 12-15 months and I should check back in at that point. I am frustrated because the timeline keeps getting pushed back, and the experiences I have had thus far, indicate that when 15 months goes by, I will likely be told to wait longer. It's a simple review of my payment history, since I have auto-pay set up for the student loan accounts.
Company Response:
State: PA
Zip: 18045
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: My Demand Draft Fraud Complaint Against XXXX XXXX/PHEAA ( hereinafter, XXXX ) : In Clear Violation of Federal- and State- Law, XXXX Unlawfully Electronically Withdrew [ ECK ] LESS Money Than SPECIFIED on My XXXX XX/XX/XXXX Personal Check # XXXX, XXXX Willfully/Deliberately In Unquestionable Fraud Forced BANK Reversal of My Monthly Payment ( Timely and Full Amount received by XXXX XXXX XX/XX/XXXX XXXX THEREBY XXXX ENGINEERED OVERDUE PAYMENT FOR XX/XX/XXXX FROM MY TIMELY RECEIVED AND IN-FULL PAYMENT. From start of my student loans repayment XX/XX/XXXX ( to date through XX/XX/XXXX : eighty-five ( 85 ) payments of {$1000.00} ), XXXX XXXX is/has been the only servicer for grouped-repayment of six ( 6 ) of my federal student loans, repaid without modification under the Standard Repayment Plan, i.e. XXXX fixed, equal monthly payments of {$1000.00} to paid-in-full. ( See XXXX Letter dated XX/XX/XXXX subject : Re Your Student Loan Account signed by XXXX XXXX, Senior Vice President, Loan Operations and Client Relations XXXX XXXX, shows payoff dates my 6 loans serviced by XXXX-copy attached. Last page of said pdf is letter dated XX/XX/XXXX from XXXX XXXX XXXX, Vice President, Loan Operations XXXX XXXX stating my [ Standard Loan Repayment Plan FIXED, EQUAL ] monthly payment is $ XXXX/month, NOT $ XXXX/month. ) In plain violation of both federal- and state law : inexplicably XXXX XXXX took my XX/XX/XXXX {$1000.00} 84th-payment by personal [ paper ] check ( check number XXXX-copy attached ) and withdrew ( XXXX XX/XX/XXXX ) by electronification of my check [ ECK ] from my checking account a different [ lesser amount ] amount of money ( = $ 1077.92-shown in my bank statement-copy attached ) than the amount ( $ XXXXcopy of check XXXX showing {$1000.00} attached ) written by me on my check. ( A pdf is attached : containing a photocopy of my XXXX XX/XX/XXXX personal check for {$1000.00} to XXXX [ first page ] with [ second page ] my bank statement [ XXXX XXXX XXXX XX/XX/XXXX ] shows XXXX made unauthorized withdrawal of {$1000.00} on XXXX XX/XX/XXXX from said check. Another pdf shows police report number for said XXXX unauthorized withdrawal. Another pdf is a copy of my Affidavit re XXXX 's unauthorized funds withdrawal provided to XXXX XXXX XXXX. ) My monthly payment due date is the 10th day of every month. XXXX XXXX received my XXXX XX/XX/XXXX {$1000.00} check payment on XXXX XX/XX/XXXX at XXXX pm US-Mail-signature-receipt by XXXX XXXX, XXXX XXXX agent ( Attached is copy of US Express Mail tracking showing XXXX XXXX signature receipt of my XXXX XX/XX/XXXX {$1000.00} payment on XXXX XX/XX/XXXX at XXXX XXXX by XXXX XXXX, XXXX Agent. ) TODAY, XXXX XX/XX/XXXX, XXXX SUPERVISOR, XXXX EMPLOYEE ID XXXX, INFORMED ME THAT MY XX/XX/XXXX PAYMENT WAS AS OF TODAY 22 DAYS OVERDUE AND I MUST IMMEDIATELY MAKE A PAYMENT OF {$2100.00} TO BRING MY GROUP LOANS ACCOUNT PAYMENTS CURRENT. I responded that my bank ( XXXX XXXX XXXX employees XXXX and XXXX ) told me all XXXX had to do to instantly receive payment, after XXXX unauthorized withdrawal and funds reversal, was to use the bank routing number and account number on my check and do a one-time electronic withdrawal for the amount, {$1000.00}, written on the check over my signature per the federal- and Maryland State Uniform Commercial Code ( UCC ). XXXX stated XXXX would do no such UCC-authorized-withdrawal in payment ; rather, I must pay XXXX with a personal check dated as of XXXX XX/XX/XXXX ( one month overdue ) or today again provide XXXX the routing number and account number on my check ( check in XXXX possession since XXXX XX/XX/XXXX XXXX and thus again generate for XXXX unlawful coverup fraudulent exculpatory evidence for XXXX my payment is overdue at least 22 days due to my negligence. I replied to XXXX, I can not control XXXX unlawful unauthorized ECK withdrawal on XXXX XX/XX/XXXX ; nor by law should I be held liable for XXXX plainly deliberate lawless acts forcing me by threat of adverse credit reporting to provide new check ( s ) or check-routing today so XXXX can hide their unquestionable extortion and ECK fraud. NOTE : From XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, I spoke with the following XXXX employees re said matter to no apparent avail : ( i ) XXXX XX/XX/XXXX : XXXX employee ID XXXX and her supervisor, XXXX XXXX ; ( ii ) XXXX XX/XX/XXXX : XXXX XXXX and her supervisor : XXXX XXXX ; ( iii ) XXXX XX/XX/XXXX : XXXX XXXX and her manager, XXXX XXXX, and XXXX manager, XXXX ( no employee ID given ), XXXX XXXX and her supervisor, XXXX XXXX ; ( iv ) XXXX XX/XX/XXXX : XXXX XXXX and her supervisor, XXXX XXXX.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: The school had me take out a nearly $ XXXX student loan in order to enroll and complete their XXXX XXXX program. however, they did not tell me that there was two parts to the program and that I will later have to take out a second loan to complete the second part of the program. The whole time I was in school, I was under the impression that the $ XXXX loan would cover both parts of the program. Once the first part was complete or nearly completed, I was then informed of the fact that a second loan would be needed in order to continue. I was then also informed that I would have to quit my job in order to complete the second part, again, the whole time I was under the impression and the school made it seem like I could continue going to school and keep my day job in order to pay my rent. It turned out that the second part could only be completed full time which made it impossible to complete the second part of the program and keep my job to pay my rent. I was left with no choice but to stop going to school and was left with a nearly $ XXXX student loan which I've paid more than half already but it is getting harder and harder to pay it and the school didn't really help me reach my goal. Is it possible to get this type of loan forgiven? It has made hard for me and my wife financially and I got nothing out of it.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I submitted my first application for the Public Student Loan Forgiveness program in XX/XX/XXXX after having made 5 qualifying payments. I was approved in XX/XX/XXXX though my account did not wholly and accurately reflect these payments. The payments were rescinded in XX/XX/XXXX. I submitted my second application for Public Student Loan Forgiveness in XX/XX/XXXX after having made an additional 12 qualifying payments. I am on an income driven repayment plan with direct debit and was working for a qualifying XXXX providing XXXX services as a XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My case has been pending review since XX/XX/XXXX. It's been over a year. I've sent numerous emails. I've filed complaints. And I'm still waiting for my account to reflect my 17 qualifying PSLF payments.
Company Response:
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I submitted my repayment certification ( income based ) last spring when XXXX sent me the information through email. I submitted my tax information the same as I have done for a few years. Then in XXXX of last year, I got a letter stating that I never completed my recertification and that I now owed monthly payments over {$850.00} a month. I immediately called to talk to customer service to rectify the issue and was told they never received the recertification. I went back through emails and found all the information that I had sent and told them I would send it all again immediately, stating I had NO idea if they don't receive it because I had no confirmation, even though my email showed it was sent and I mailed the tax info to the address provided. I also never receive anything other than the initial letter stating I need to recertify in XXXX, then an email that they received the online portion, and then the notice months later, XXXX, that it's not done. No other notice saying they never received the tax info. It has been the same process for years and I have never missed it. This time when I called back again they again told me there was nothing they could do and that they never received it. AND on top of that, they were now going to capitalize $ XXXX in interest. So now I am supposed to be paying interest on interest. I have XXXX children and I am self-employed, I will already be paying on these loans for the rest of my life with an interest rate that I can't get lowered to the standard of today and an additional $ XXXX that never should have been capitalized in the first place. I called several times over a few weeks and got a different story every time from a different customer service rep every time. I thought I was an anomaly until I started reading articles this winter that MANY people are being treated the same way. I didn't know there was even anywhere to make a complaint until this winter, which is why I am making it now and not last summer when this all happened.
Company Response:
State: UT
Zip: 84003
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After graduating with my XXXX XXXX it took me about 6 months to continue with my XXXX XXXX at a university awaiting my approval and to save up money to continue at a big university. I never once received any mail or phone call that my account was no longer deferred until I got to the university and they said I might want to give XXXX a call, I called and found out that my accounts were 180 days past due and that my number was wrong and that my address was old. They told me the school should have let me know that my account was longer in deferment, how can you say that when you are the loan service provider. Long story short I received a job offer from a local agency the reason for me going to school and taking out any loans and they told me credit was showing delinquent. So I called XXXX and explained them my citation they didnt even care no sympathy even when I told them about my career choice and how 6 months working there they do school reimbursement that could even pay them back even faster than I could just correct credit errors.
Company Response:
State: FL
Zip: 33805
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I applied for the loan forgiveness in XX/XX/2019. I didnt qualify after working 11yrs and not missing a single payment. I then got a bill that they r withdrawing XXXX then I got another bill that they r withdrawing XXXX? I cant afford that.. my income driven amount is XXXX. Im frustrated.. as I cant make that much of a payment and seem to be getting nowhere with this company. I am a current student, a single mom with XXXX kids. I thought they would be helping me not doubling my payment amount. This is completely wrong of this company to not help but increase my payment? Im deactivating my direct deposit as I dont trust this company.. never was told my loan would be transferred from great loans..
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Starting with my payment on XX/XX/19 I began to pay over the amount of my loan payment. I paid {$700.00} instead of my regular payment of around {$430.00}. The American Education Services ( AES ) website says the following as far as paying over, " Yes, you can pay more than the amount you owe. Any interest or fees that have accrued on your loans will be paid first before reducing your principal balance. '' However, I found that after I paid over, AES instead paid the additional {$270.00} to the following months loan payment. I had to call them to get my payment fixed, and then was forced to send them a written message asking them to put any money I paid over in the future to the principle of my loan. Like their own website already says they do. I again paid over my payment amount for XX/XX/19. I paid {$620.00} instead of my normal payment of {$420.00}. I got the verification that my loan had been processed correctly and then saw later that it had been changed so that the extra {$200.00} had been moved to the following months payment. After I was forced to call again, I was told that it would take 7-10 business days to be corrected. Now I see that when they finally corrected it, they only credited my account for {$420.00}. The additional {$200.00} I paid, magically disappeared, but was still taken from my bank account. After being forced to call them again, I was told that it was going to take them 7-10 business days to apply the missing {$200.00}. I am awaiting to see if this is done correctly. I also had to pay my loan again today for XX/XX/19 not knowing if its going to applied correctly or not. Luckily I have been watching my account or AES would've been applying my loan payments incorrectly, or basically stealing my money. I am forced to attach some screenshots I have taken from my account. I have not received a correct statement from them in going on 3 months now because of their constant errors, so I don't have copies of them at this time. I can send them at a later time, when I have access to them.
Company Response:
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A