Date Received: 2019-02-15
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I attended XXXX University from XX/XX/XXXX to XX/XX/XXXX online out of state. They are currently under a lawsuit settlement & have paid off or forgiven former students loans. I'm wondering why I have not been contacted & this outstanding loan of {$69000.00} is showing on my credit incurring interest.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2019-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/19 XXXX put me in loan Forbearance even though I did not request it. this is a problem because, even if I make payments while in forbarance ( which I did ), they do not count towards qualifying payments for loan forgiveness. I have requested to have that forbearance removed twice to no avail. I just noticed that they also did it this past XX/XX/XXXX. I was hung up on during my last phone call by XXXX employee # XXXX. I'm trying again now.
Company Response:
State: CA
Zip: 91711
Submitted Via: Web
Date Sent: 2019-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. - First, I dont know how XXXX XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. - Secondly, I dont know why representatives at XXXX XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. - The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX when they first mistakenly received it. - Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: There is a Public Service Forgiveness Program to which I applied for and qualified for. I have been working in the public sector most of my life. While I was working for my last employer ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) I applied for the program. XXXX signed the verification papers, acknowledging my 19 years of public service in XXXX XXXX. What I received was note from XXXX ( U.S. Department of Education ) telling me that they had changed my service provider. So instead of getting any relieve, they changed who was servicing my loan, and increased my payments. Subsequently I wrote them a letter explaining the situation. It was months before they responded and when they did, they said I didn't follow the correct process so I was denied. I called them because I did not understand what they meant. I spoke with a person on the other line who was not interested in helping me -- instead sounded like a broken record just repeating the same thing over and over again. When I asked about my options he said I could start the process all over again and fulfill another 10 years of service. When I told him I could not do that since I retired from the job ( I am XXXX years old and a widow ), he said that would disqualify me from the program because I was no longer in the public service. It was like a nightmare speaking to this person. When I asked about an appeal he said there was none, and when I asked for a contact to send a complaint he said he didn't have one. He would not allow me to speak to anyone else. Overall it was very poor customer service. What I want is for the company to see that I have paid diligently and have paid more than the initial loan by a lot. It is not like I have not paid with interest. My loan amount has not gone down at all in ten years even though I am paying more because the monthly amount I pay keeps going up every two years. It continues to be the same, and in fact, looks like it actually goes up instead of going down. They need to abide by the Public Service Forgiveness Program, for which I believe I have completed the basic requirements. If you look at their website, you practically have to be a lawyer to understand what they are talking about. They have failed to adequately inform those who qualify. I understand that they have turned down 99 % of those who in good faith served the public and followed the letter of the law by not missing one payment. When 99 % of those who entered the program are denied, the XXXX folks have done a very poor job of communication adequately about the requirements. I look forward to a review of the program and of my case so that my loan is forgiven under the XXXX XXXX XXXX XXXX XXXX. Thank you. XXXX XXXX XXXX XXXX : The Pennsylvania Higher Assistance Agency has been cited as one of the least customer and consumer friendly services regarding student loan programs in general and also with the public service loan forgiveness program. If I were to send you a record of what I owe you would see that the figure has not gone down considerably in the time I have been paying. In fact the amount went up again even with consistent monthly payments. It is disheartening to look at the account and see that no matter how diligent I have been in payment, the figure does not go down. The interest rate is 7.6. I pay {$290.00} a month and the interest is {$270.00} so very little is applied to the loan. I can not afford to pay more as I have been a widow over 8 years, I have a mortgage still, and other bills. This feelslike I am being robbed!
Company Response:
State: TX
Zip: 78610
Submitted Via: Web
Date Sent: 2019-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX has updated my credit report to 150 days late from 120 and this is 4 years old. I was having financial difficulty 4 years back and i was 120 days late not in XX/XX/2019 XXXX switch it from 120 to 150 causing my credit score to drop 89 points. The account has been in good standing for over 3 years, This was a spiteful maneuver for a reason unknown to me. I called and asked them to change it back to 120 but they refused even though its from 4 years ago.
Company Response:
State: NJ
Zip: 07644
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I've recieved 2 voicemails from a women identifying as XXXX XXXX 's regarding " repayment options '' to my federal student loans.The number left to call XXXX but she called from XXXX. She left a reference # of XXXX.
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been working for XXXX and XXXX for the past ten years while dutifully making student loan payments via direct debit. When I submitted an Employment Certification Form ( ECF ) in XX/XX/XXXX my XXXX XXXX account ( # XXXX ) noted that I had 5 out of the 120 qualifying payments left and that I would be eligible for forgiveness on XX/XX/XXXX. When I submitted what should have been my final ECF on XX/XX/XXXX along with an application for forgiveness the response on XX/XX/XXXX from XXXX was a denial because I had not made enough qualifying payments ; it seems that an audit had reduced my qualifying payments to XXXX. During a call to XXXX that day the staff looked at my payments and said that I should qualify and flagged my account for a recount. I have asked XXXX for a list of my payments and they said they could provide me a list from XXXX and my previous servicer, XXXX, but I have not yet received this information. When I looked at my account today, XX/XX/XXXX the number of payments reduced to XXXX. Help!
Company Response:
State: OR
Zip: 97214
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have attempted to get on the REPAYE plan since XXXX. I spoke to a representative today who said I should be on it after I pay an " opt out '' payment in XXXX. She also said she " didn't know why '' I was ever taken off of the REPAYE plan. One of my applications was denied because I was on a forbearance for more than 90 days, which the employee suggested I do and never told me it would affect my application for REPAYE. This is why XXXX XXXX is being sued by the Massachusetts Attorney General and why I am calling for Colorado 's AG to do the same. I could have made several years worth of eligible payments towards the PSLF program but XXXX XXXX had me on the wrong program when I started in XXXX and is delaying my ability to pay on it for 8 months ( XX/XX/XXXX to XX/XX/XXXX )!!!
Company Response:
State: CO
Zip: 81004
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/2019 - Paid off one of my student loans. Still had several outstanding loans. XX/XX/2019 - * Receive a confirmation that above stated loan was paid off. Simultaneously receive an email that I have new Loan Repayment Terms ( received a letter ). The letter has the following as justification - " Your terms have been re-calculated due to a change in status ''. * Looked up the items reasons they declare that could cause this and I do not fulfill any of the reasons. * Call XXXX XXXX and ask the customer service rep to provide the reason they changed my loan repayment terms. She replies it's caused by the previously stated loan that was paid off on XX/XX/2019. I inform her this makes no sense, why would this impact my other loans. I request a copy of my previous Loan Repayment Terms and she asks me to go on hold. She eventually comes back and says the information she provided is incorrect and that XXXX XXXX incorrectly changed my Loan Repayment Terms. * As a follow up, i'm waiting for a new set of Loan Repayment Terms and a copy of the original ones as well. Bottom line - How on earth can they just change my loan repayment terms? I'm fortunate in that I've worked with student loans extensively but had I taken her word immediately, I would have operated on totally incorrect information. Furthermore, the letter they published should provide the justification for the change as opposed to a generic " many things could have changed ''. Why doesn't XXXX XXXX get any sort of reprimanding for this sort of behaviour?
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My student loans of over {$90000.00} were automatically transferred over to XXXX when I applied for PSLF on XX/XX/XXXX, and I have had nothing but trouble since then in dealing with this company. Because of the timing of when the loan got switched, they did not have a record that I had made a payment for XX/XX/XXXX. My income-based payment plan also did not transfer over, so not only did I suddenly have a late payment on file, I also now owed the standard repayment amount of over {$1000.00}. They then incorrectly calculated my income-based payment number. When I alerted them of this, I was told that they'd put my account in a courtesy forbearance for two months ( during which time I was not able to make eligible payments on my loans towards PSLF ). After several more phone calls, I finally confirmed that they'd applied the missing payment correctly and that I was now paying the correct amount ( I think this was sometime in XX/XX/XXXX ), but also noticed that they had still not accurately counted the number of eligible payments towards PSLF that I had made. I have called following up on this numerous times, and each time am told a different thing. In XX/XX/XXXX, I was told that the count was wrong because I had a " paid ahead '' status on my account for a monthly payment that had reset my count. I was told that that would be resolved. Today, XX/XX/XXXX ( SIX MONTHS LATER ) the representative told me that yes he saw that I was waiting on the updated and accurate count, and that they have been aware of the issue since at least XX/XX/XXXX ( NEARLY A YEAR ), but that he could give me no indication of when it would be processed except for, " it will happen. '' I asked to speak to a supervisor and he told me there was no one who could expedite the process for me. I have a little over 4 more years left on my loans, but am truly worried that XXXX will not have an accurate count ready when it comes time for me to apply for forgiveness. I feel that I have no recourse in dealing with this situation since XXXX is the exclusive servicer for PSLF and that XXXX can do whatever they want on whatever timetable they want. Waiting a year to get an ACCURATE count of eligible payments ( to date I have made 68, the calculation of which took me about XXXX minutes from downloading my payment history from XXXX, my former servicer, and XXXX ) is simply ridiculous. Please help!
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A