Date Received: 2019-02-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hi, I have direct loans. I am trying to get the Public Service Loan Forgiveness. I consolidated my staffords into a direct loan in XXXX in order to qualify. I have been on the ibr plan and most recently repaye plan the entire time. I've been making timely payments the entire time. So, next year should be around my 120 months ' of payments. I've only worked for 2 employers, all fulltime, during this time, a XXXX XXXX 's Office and the California XXXX XXXX XXXX. I submitted my form for the XXXX 's office for XXXX and CA XXXX from XXXX. Both were certified as qualifying employers. Nonetheless, my statement shows only 30!!!!! qualifying payments. I have emailed and emailed. All they say is the standard : we will review your account for qualifying payments and update the number. They have never updated the number or provided any information about the payments that they have not counted as qualifying. I've asked for that review and that information so I can backtrack through my accounts to find proof of payments or whatever it is that I need to resolve this issue. Whenever I email about it, they just send the same response again, as if I have not been emailing for the last 2 years about the same thing. There is no accountability and no standards for XXXX 's servicing of these loans or how quickly and accurately they calculate qualifying payments. Finally, I do believe that the problem stems from the time that my loans were serviced by XXXX XXXX before they were transferred to XXXX XXXX and that perhaps those records from XXXX XXXX are not complete or have not been reviewed. Second thing, they have now twice put my loans in forbearance without my request. I called about that too, and they claim that it is for my benefit. I've explained that it is not, as interest continues to accrue and the payments that I make during that time do not count as qualifying payments. The first time they put my loans in forbearance, I did not make the payment since it would not count. Then, I complained about it and they reversed it after the payment was well past due. So, when I paid, it was after the 15 days. So, this last time ( XX/XX/XXXX ), they did it again. I paid anyway, but I'm sure that payment will not count as a qualifying payment either.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am an XXXX who is currently in my 13th year working for the XXXX XXXX XXXX. I previously had loans with XXXX which were taken over by XXXX. The Public Service Loan Forgiveness was brought to my attention and I learned that my loans would have to be transferred to XXXX XXXX. Once everything was completed, I immediately noticed numerous issues. I have always consistently paid my loans and have never had poor standing in terms of paying on time. Based on the practices of XXXX XXXX, it seems as if they are purposely attempting to bring upon hardship and force me into a payment that I can not carry. My payment when moving from XXXX to XXXX XXXX was {$430.00} on XX/XX/XXXX. During the first week of XXXX, I called regarding finding out how to ensure that my loans would qualify for the PSLF since that is the only reason I moved my loans in the first place. Fast forward to now, I applied and come to find that my payment has increased! I just received notice that my monthly payment will now be {$630.00}! Never was I told that applying to change my repayment plan would increase my payment. I have a mortgage and other bills and this fluctuation in payment will create financial hardship in my household. It seems that each time I call and speak to a representative my payment increases and I am given conflicting information from each representative I speak to. I simply ask that my payment stay within its original range and now soar to what I am expected to pay on XX/XX/XXXX. Each time I call to ask for help, my loan has been put into forbearance without my permission or I have been given incorrect information that has led to a higher payment.
Company Response:
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX has not honored the PSLF program. I have provided them with forms showing I have 7 years of public service employment, however, they keep sending letters saying the forms are incomplete. I've sent the correct forms to them on over 3 occasions with little to no resolution. XXXX has misreported my payment plan. I have been in public service for 7 years and want credit for my time served.
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In mid-late XXXX I requested that XXXX do an investigation or thorough count on the number of payments I have made that count towards the 120 PSLF payments since I did not feel the number they gave me was accurate. In early XXXX, I believe XXXX or XXXX, I received a call from a representative at XXXX, asking if I still wanted the count completed and I indicated I did. I called roughly 6 months later ( and about a year after my original request ) inquiring about the status of the count considering one of my statements showed two different numbers for my two loans, one being in the 70/80 's and the other in the 30 's. I was told at that time that they hadn't even started the count until XXXX, and according to their false records I hadn't requested it until XXXX -- which is completely untrue but XXXX treats me as if whatever their records say is fact and could not possibly wrong. I spoke to someone in XXXX XXXX and inquired about the count since it continues to be incorrect on my statements, not to mention I've never been given any type of resolution or letter indicating their findings ; I was told it still isn't complete and they have no clue when it will be done. When I call XXXX for any reason, I get anxiety because of the lack of consideration, being told I'm essentially a liar because they don't see something I've said written in a note in their system, and inconsistent answers/recommendations between a representative and supervisor. I requested the count be done about 18 months ago and it has yet to be done. I fear that this will go on to effect my forgiveness and prolonging payments I have difficulty making. I consolidated my loans in XXXX and have been employed FT continuously since XXXX ; which stands to reason I should complete the PSLF payments in XXXX, which is the reason I felt the count was incorrect. I am beyond frustrated with XXXX and would like assistance in resolving since I have no way in doing so besides calling and asking ; which I do not feel should be expected for them to do their job in a reasonable amount of time.
Company Response:
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I entered to Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX to XXXX XXXX. I have been under an IDR plan and pay approximately XXXX $ a month. In XX/XX/2018 I was re-certified. when I switched to XXXX I got a letter saying nothing will change but that my student loans got transferred. Suddenly, this month I was charged {$2000.00} by XXXX. I was not notified of any change. When I went to the website, they stated they did not receive all of my IDR papers, even though I did this months ago. I was never notified about needing to submit additional papers. A small portion of my other loans were transferred for a different servicer and there was no problem with my IDR plan.
Company Response:
State: NE
Zip: 68127
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I graduated in XXXX. In XX/XX/XXXX, I applied for Public Service Loan Forgiveness ( PSLF ) with XXXX XXXX because I have made on time, qualified payments for at least 9 years, and I have been working for qualifying employer. I received a letter from XXXX XXXX indicating they received my application and supporting documents. The letter also states that XXXX will contact XXXX, the prior servicer about my student loans, and my loan will transfer to XXXX servicing for evaluation, my automatic payment amount and the due date will not change. In XX/XX/XXXX, I received a letter from XXXX stating that my loan transferred and it included the total amount of loans and my monthly payment. I noticed my payment is increased and no mention of the status of PSLF. I contacted XXXX multiple times via email inquiring if I am qualified for PSLF or not, and the reason why my monthly payment was increased. XXXX never responded or explained the status my eligibility for the program. In XX/XX/XXXX, I contacted my general attorney to investigate and help me receive a response. In XX/XX/XXXX, I received a vague and misleading response from Fedloan servicing stating that " you made XXXX qualifying payments '' because my qualifying payments were disqualified in XX/XX/XXXX and the increased monthly payment is to help me pay off my student loans in time. I again requested additional information of the reason why my qualified loans were disqualified in XX/XX/XXXX ( When I consolidated my loans ). XXXX responded that it was disqualified because I took a type of loan called " Parents Loans ''. However, all my loans were Sub and Unsub Direct Stafford loans. I then requested more information about the reason why it was concluded I made XXXX qualifying payments after I made qualified payments for at least 8 years or more. I also requested if I am indeed not qualified for PSLF, I have no reason to keep my loans with XXXX XXXX. Therefore, I would like a refund of the extra monthly payments and transfer my loans back to XXXX or other servicer. No response received. In XX/XX/XXXX, I requested my general attorney to file a lawsuit against XXXX XXXX for increasing my monthly payment without my authorization and for failing to transfer my loan back to XXXX after multiple attempts. I am waiting to hear a response from my attorney general or XXXX XXXX.
Company Response:
State: MO
Zip: 64151
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX states that repayment begins on XX/XX/2019. I am under a different plan. This means I don't begin payments until well after graduation. I am enrolled full time ( more than half time ) in an XXXX program. Currently, I have over 3 classes enrolled at school which comes to an additional 15-20k for this semester. XXXX XXXX is not displaying that I maintain a loan for this amount but also is displaying numerous loans that they require payment while I'm enrolled in school. Besides this, they are displaying negative information on my credit reports, XXXX XXXX XXXX and XXXX. I would greatly appreciate that they adjust their credit reporting to not only reflect the fact that I am in school but that I have positive standing with them. Unfortunately I will have to report this to department of education. To be clear, my University did everything on their end so there is no issue with financial aid department. XXXX XXXX has been irresponsible in their handling of my loans. Also, i am unemployed at the moment and have had no income for many years. They are not displaying the proper repayment plan of income based repayment. I never signed up for whatever my status is now. They make it impossible to deal with them.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: All of my loans were with XXXX XXXX throughout my XXXX school training, from XX/XX/XXXX to XX/XX/XXXX. When XXXX from XXXX school in XX/XX/XXXX, I made many calls to my loan serving company so that I could properly consolidate my loans and enroll in an income based repayment plan, and begin working toward the Public Service Loan Repayment Program. At that point, my loans were switched ( without my knowledge ) to XXXX. I was told that my loans had been consolidated, I waived my 6 month deferment, and began paying my monthly payments to beginning accruing toward my 10 years of payments. Unknown to me, XXXX XXXX had only switched HALF my loans to XXXX, and the other half ( two different loans ) were still with XXXX XXXX, and not enrolled in any repayment plan. It wasn't until 6 months later that I received a ~ {$3000.00} bill from XXXX XXXX that I was told I was " still in school '' when I had attempted to consolidate my loans, and therefore these loans were not consolidated. Of course, that makes no sense, since I had already XXXX from XXXX school in XX/XX/XXXX and half of my XXXX school loans WERE in fact consolidated and sent to XXXX. And it makes no sense since the consolidation had taken place after my public and exciting XXXX from XXXX school. The XXXX was on XX/XX/XXXX. In any event, even if they were to argue that I didn't truly XXXX until XX/XX/XXXX, I was not informed of this issue, AND they actually did consolidate half of my XXXX school loans. You simply can't have it both ways. Because of this, I lost 11 months of IBR on my now " second '' and " third '' consolidated loan. I simply want to be credited with the 11 months to my second and third loan just as I was to my first. Please see attached documetation, especially the email from XXXX XXXX noting I had submitted my consolidation request ( XX/XX/XXXX ) after the date of my XXXX ( XX/XX/XXXX - picture of XXXX ticket also attached ).
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I started my repayment in XXXX with FedLoan Servicing under the Pay As You Earn program. Everything was fine until XXXX when I was making {$75.00} a month payments and I had just one job. I took out a mortgage loan and my lender gave me {$42000.00} to purchase my home under the assumption I was paying {$75.00} a month for my loan. I started working more jobs and my payments increased. I informed them several times of this issue. Last month my loan was transferred to XXXX along with {$20000.00} in charges and interest buildup that occurred while I was with XXXX. I informed XXXX of the mortgage issue and the fact that XXXX fraudulently took money and transferred my loans to XXXX. I actually owe {$80000.00}, but XXXX received {$100000.00} in loans during the transfer. I want to sue XXXX for fraudulently charging me and transferring my loans.
Company Response:
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Husband 30 years still employed XXXX XXXX XXXX XXXX XXXX. Daughter attends college I XXXX XXXX fill out loan applications. First year PSLF is offered I believe XX/XX/2007 I submit all paperwork for husband who is qualified for daughters loans. Loans are transferred everything is good, first wave of PSLF comes due submit paperwork and we are denied because I XXXX XXXX name is first on the application and his is second..Daughter has also now been a member of the XXXX XXXX XXXX XXXX XXXX for two years now she has been paying for 5 years her school loans in my name she applied for PSLF as well once again my name in first position. She has paid thousands of dollars toward her loan, her loan has remained exactly at the same amount. We have contacted ombudsman never have been contacted back, every contact via telephone has been different, every written correspondence never responded to. I have never been so frustrated in my life, we are not stupid people and have never dealt with such corruption and still not sure why
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2019-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A