Date Received: 2019-02-28
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: None of my federal loans appear on my XXXX credit report.
Company Response:
State: PA
Zip: 19152
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
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 received federal student loans to help pay for college tuition, The loans were in deferment until after I graduated. I had a credit score of XXXX at the end of 2017 and when I applied for an apartment I was informed my credit score had dropped into the 500 's. The reason was there are 8 Federal loans through XXXX XXXX XXXX XXXX that had been reported late for more than 4 months, The total amount of the loans is approximately {$46000.00}. I was never notified by XXXX XXXX when the loans came due for repayment. Once this was discovered, XXXX XXXX was contacted and the issue was resolved, or so I thought. Since I have contacted them, all payments have been on-time. I have disputed this with the credit bureaus as I feel I should not be penalized due to this situation. The disputes upheld the late payments. Student loan debt is hard enough, but to have it ruin my credit through no fault of mine in unacceptable.
Company Response:
State: ND
Zip: 58201
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I enrolled with XXXX XXXX for a year and I made payments every month but I just found out that none of my payments were going towards the loan. XXXX XXXX student loan forgiveness program made false promises that I could permanently reduce my XXXX monthly payments, they charged me illegal upfront fees. They also told me that my fees would go toward their student loan balances, which wasnt true.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Case # XXXX was a prior issue that I had with XXXX. This Case was resolved because a review was completed of any and all eligible payments and my account was updated to reflect the correct number counting towards Public Service Loan Forgiveness. I was advised that number is one hundred and sixteen ( 116 ) eligible and qualifying monthly installments. I submitted a new Employer Certification Form ( ECF ) in XX/XX/XXXX and my payments XXXX out on my online XXXX account. I made an additional payment for XX/XX/XXXX bringing my total potential eligible payments to 121. XXXX stated my eligible date of completion was XX/XX/XXXX. I submitted the Employer Certification Form and application for Public Service Loan Forgiveness as instructed by XXXX. I then received correspondence stating my application was rejected based on lack of qualifying payments. I began calling XXXX in XX/XX/XXXX about this issue. XXXX stated I lacked 5/6 qualifying payments. I reviewed my online account and it reflected 5/6 payments remaining. This was the same account that presently showed XXXX before I sent my application in. I later checked the account again after seeking help from calling representatives with XXXX. My account now showed I had 57/63 remaining payments. I attempted to call on a weekly basis from XX/XX/XXXX to XX/XX/XXXX and was told the same thing numerous times. I was advised my account was under review and I would received an answer within 3/5 business days. I would call back after that time passed and was advised the review would take 6 months to a year. I was advised my several representatives and managers at XXXX that my payments could be seen as being paid on my account for the months of XXXX XXXX through XX/XX/XXXX. I was advised these were the payments not being county as qualifying but my Employer Certification Form was approved and my payments are electronically debited for the amount I was instructed to pay. I was advised by XXXX that it was a computer glitch and I would have to request a payment review ( which I was advised that was happening when XXXX was 1st made away in XX/XX/XXXX ) and it would potentially take a year to review the remaining 5/6 payments. I am at a standstill with XXXX and I have provided everything they need but I keep getting a runaround and I feel I am being treated unfairly because I am trying to apply for loan forgiveness. I also was advised by XXXX that my application is on file and that I would not have to re-submit a new application. I do not feel this is accurate information because I am beginning not to trust anything that XXXX recommends because of the lack of effort and misinformation that I have received. I have attached the prior complaint and recent correspondence from XXXX. The newest correspondence shows that my payments were not counted from XX/XX/XXXX through XX/XX/XXXX, these are the payments that I was informed that should quality and put my account over or at 120 qualifying payments.
Company Response:
State: GA
Zip: 316XX
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX is the worst company I have ever worked with. They ended my forebarence at the beginning of the year because they said I graduated or dropped out of school. I contacted letting them know neither of those were true and that I am still a full time student at my college. I have now contacted the twice with ZERO answer and they have taken money out of my bank account twice, overdrawing both times. They dont care about anyone. They ruin lives and I dont know what else to do. I cant keep paying XXXX a month to a company that wont listen to a word I say. Attached is a picture of my current school schedule proving Im a full time student.
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I submitted my Income-Based Repayment plan application on XX/XX/XXXX ( my deadline was XX/XX/XXXX ). On XX/XX/XXXX I received an email that my application couldn't be processed and that I would receive a letter detailing why. I was told I was in a pending status. On XX/XX/XXXX I received a vague letter in my XXXX XXXX inbox that either my current income couldn't be determined or the income documentation was more than 90 days old and that I should submit new documentation " within the next couple of days. '' Nowhere was it mentioned that my interest could capitalize. I realized that the documentation I had submitted was from XX/XX/XXXX ( so 10 days off from my submission date ) and submitted a new pay stub on XX/XX/XXXX ( in the " next couple of days '' as requested by XXXX ). I then randomly logged in to my account on XX/XX/XXXX and noticed that my interest had been capitalized on XX/XX/XXXX! I also noticed on XX/XX/XXXX that there was a letter in my inbox ( which I had NOT been notified of by email and would not have seen otherwise ) stating that " Since we did not receive your complete annual documentation, your new payment amount is not based on your income, '' even though I had submitted the correct documentation on XX/XX/XXXX. I called XXXX on XX/XX/XXXX ( since XX/XX/XXXX was a weekend ) and a request was placed to look into this. I called again on XX/XX/XXXX to check on status and was told that it may take 7-10 business days. They were able to finally process by IDR Request at that time. I called again on XX/XX/XXXX to check on the status and was told they were very busy and it may take up to 20 business days. I called again on XX/XX/XXXX and was told that the review of my case was completed on XX/XX/XXXX and they had denied my appeal to " de-capitalize '' my interest because I missed the deadline. Throughout the whole process I talked to multiple XXXX reps. Each person had a different answer for me. Some employees told me that interest can never be " de-capitalized, '' while others said that was not true. Several employees told me that it doesn't matter that the interested was capitalized since I was in PSLF and it wouldn't matter in the end ( I don't plan to use it ). While my initial income verification form was off by 10 days, this would have been easily fixable if XXXX would have processed my application in a timely manner ( before the XXXX deadline ). I submitted my new paperwork in a timely manner. I also find it egregious that the letter telling me my interest was capitalized stated that I hadn't completed my paperwork ( even though I had ) and it was NOT sent to my email inbox until XX/XX/XXXX. Additionally, besides employees giving me completely different information literally every time I call XXXX, they never provide any written confirmation of our conversations or a case number, so they rely on their completely inaccurate internal information ( i.e. gentleman on XX/XX/XXXX saying my review has closed on XXXX, when the person I spoke to on XX/XX/XXXX told me case was still open for review ).
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: the account shows missing payments and delinquent. That is not the case. The Account is current and has been current.
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Consolidated my loans upon graduation in XX/XX/XXXX, to Income-based-Repayment plan. Enrolled in Public Service Loan Forgiveness. Made years of payments, and was told I had only made 11 qualifying payments in XX/XX/XXXX. I challenged this over the phone four times, was told it took 90 days. Called in 90s days. Was told it takes 90 " business days. '' Called back. Was told " it just takes a while. '' It's now been almost 2 years, and no one will help me. I've made consistent, on-time payments for over 6 years, and my qualifying payments won't budge. No one will help me. No one is responsive. No one cares.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loans were discharged in bankruptcy and XXXX XXXX is continuing to change the amounts and will not honor my discharge paperwork. I sent them a faxed copy of my paperwork. My balance went from XXXX to XXXX dollars
Company Response:
State: TX
Zip: 76205
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received a XXXX for XX/XX/2017 reporting the wrong amount of interest : {$1300.00}. The actual interest I paid was : {$4700.00}. I tried to resolve this discrepancy with XXXX XXXX since XX/XX/2017.
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A