Date Received: 2019-02-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have two types of loans : federal direct subsidized and federal direct un-subsidized. I have worked as a XXXX for a PSLF-qualifying employer since XX/XX/XXXX. I submitted by PSLF employment certification form in XX/XX/XXXX, and my loans were transferred thereafter to XXXX. Since the transfer I have had nothing but horrendous problems with XXXX. In XX/XX/XXXX I received my PSLF certification from XXXX and it stated that I had made 18 qualifying payments since starting my work in XX/XX/XXXX ( accurate ), but those payments were only being applied to my subsidized loan and not my un-subsidized loan ( which is considerably larger ), even though I had been making monthly payments which were applied to both of those loans. I followed up with XXXX and was told that they would submit my loans for review, and that the review should take approximately 60 days. XX/XX/XXXX, I called XXXX about a different issue, and as part of that conversation I was told that the qualifying payments should be updated but that it is still under review. On XX/XX/XXXX, I called XXXX again and was told that someone is working on the qualifying payments issue. By XX/XX/XXXX I was preparing to submit my re-certification and I still had not heard anything about my qualifying payments. I prepared my certification form and submitted. On XX/XX/XXXX I called XXXX again and was told that the review of my loans and the qualifying payments would be expedited. On XX/XX/XXXX I received my bill for my upcoming XX/XX/XXXX payment, and the bill lists the number of qualifying payments I have made to PSLF : it lists 25 payments towards the subsidized loan ( accurate ) and only 5 payments to the un-subsidized loans. I immediately called XXXX and spoke with two people before finally getting the supervisor. She said that there was no way to expedite further when it had already been expedited and that I just have to wait. Both loans are federal direct loans. Both loans are qualifying loans. My government position is a qualifying position. I have been on a qualifying repayment plan since I started work at my government position. I have been making complete, on-time payments since my loans were disbursed following law school. I am furious at the complete and utter incompetence I have experienced with XXXX and, frankly, wish my loans could be monitored by my prior servicer ( XXXX ) because I always had good experiences with them. I am applying for a mortgage and I want to be able to show my mortgage broker the PSLF payment certification and there is nothing MyFedLoan will do for me.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been working with XXXX XXXX for over one ( 1 ) year to have them correctly calculate my number of qualifying payments I have made under my Public Service Loan Forgiveness. I keep being told that my account is under review and this has been repeated for over one ( 1 ) year now. I have two loans that are in consolidation under PSLF. On my online account of XXXX XXXX, it states that on the 1st Loan I have made 59 out of 61 qualifying payments and on the 2nd Loan I have made 44 out of 76 qualifying payments. These numbers are inaccurate. First, the qualifying payments are different on each loan. Second, I have documentation from XXXX XXXX confirming my Employment Certification that I have provided to XXXX XXXX over the years, and these numbers are different. Please see below : XX/XX/XXXX = 26 qualifying payments XXXX = 8 qualifying payments XXXX = 15 qualifying payments XXXX = 8 qualifying payments XXXX = 17 qualifying payments In total, this is 74 qualifying payments I have made under my PSLF plan. XXXX XXXX has this documentation, so I am confused as to why it is taking them over one ( 1 ) year to calculate the correct payments. In XXXX of this year ( XXXX ), I will be providing my annual employment verification which will show another 12 months of qualifying payments under PSLF. My calculations show that as of XX/XX/XXXX, I should have 74 qualifying payments, which leaves a remainder of 46 qualifying payments. Again, XXXX XXXX has all of this documentation. I need my online account to accurately reflect the amount of qualifying payments I have made, because I am more than half way completed with the 120 qualifying payments required ; however, my account does not reflect this. I have tirelessly attempted to have XXXX XXXX update my account to no avail.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a loan with 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 with no successful resolution. XXXX and XXXX were only reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i have 2 student loans for my 2 XXXX XXXX i had in my reports that i do not have to start payments until XX/XX/2016. In XX/XX/2016 i started receiving calls from XXXX XXXX and Eduction Department saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit
Company Response:
State: CA
Zip: 94014
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is a public Audit Demand to retain all documentation proving that all Interest calculated on the account is being APPLIED appropriately. Due to some unfortunate situations in dealing with AES, I've been forced to demand this. If AES fails to produce the documentation I seek, I will make sure to obtain this through the use of my legal rights that pertain to the law. In Summary, AES has resources within their domain who tend to admit when something is right or something is wrong and yet, whenever I ask for the proof of this, they say they don't have it and that it's up to a different department to provide the information requested. AES also fails to provide which accounts they're applying any portion of interest, which misleads the borrower into thinking the interest is being applied as the law says it should. I have yet to believe that AES is doing ANYTHING RIGHT, and stand by that argument until AES can produce evidence suggesting otherwise. I'm in full consideration of seeking legal help to justify my aforementioned claims, because, as a collective, all borrowers that have to be instrumental in dealing with this company will never get the wasted time and money back for the egregious behavior this company is known for and all the headaches that have been distributed to all of these borrowers. They refuse to take ownership of their dysfunctional system and instead refute the claims and " blame '' the lender agreements, without citing which specific detail would cover that. Secondly, it's not mere coincidence that all Consumer Affairs websites such as the XXXX and the likes all have comments from borrowers who have the same issue with this company or similar issues. I absolutely believe that all of the issues mentioned here have to do with a disfigured conspiracy between legislators and the top executives within this organization. I speak for millions of borrowers and so does XXXX XXXX!
Company Response:
State: PA
Zip: 17522
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX collecting on loan with unauthorized signature. Attempted to reconcile by asking for loan forgiveness or loan discharge. Consumer took action and filed a complaint with the XXXX XXXX XXXX of Tennessee XXXX XXXX XXXX County due to XXXX XXXX violation of the Tennessee Uniform Electronic Transactions Act on XX/XX/2019. Consumer submitted ID Theft Affidavit provided by XXXX XXXX on XX/XX/2019 to their website. Consumer submitted Authorization for the Release of Information on XX/XX/2019 to their website. XXXX submitted his notarized signatures to XXXX XXXX on XX/XX/2019 to their website.
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Through a series of complicated, opaque consolidations, and an application for Public Service Loan Forgiveness, I ended up with a large amount of student debt serviced by XXXX XXXX. ( {$100000.00} total, spanning undergraduate, XXXX XXXX, and XXXX study. ) I applied for Public Service Loan Forgiveness in XX/XX/XXXX/XX/XX/XXXX, shortly after I began a full-time position at XXXX XXXX, a qualifying XXXX XXXX institution for Public Service Loan Forgiveness. I received an acknowledgement that I was approved for PSLF. I worked at XXXX until XX/XX/XXXX, when I left in preparation for a new XXXX position at XXXX XXXX. I have been at XXXX since XX/XX/XXXX. According to my XXXX account statement, I began making payments toward my balance in XX/XX/XXXX. ( I completed my XXXX in XX/XX/XXXX, so I assume the gap is due to a repayment grace period. ) During the next year and a half I continued to make payments on time. For the month of XX/XX/XXXX I was officially unemployed, as my post at XXXX XXXX began in early XX/XX/XXXX, but I continued making loan payments. I have been sending repeated inquiries to XXXX to determine whether I am still enrolled in Public Service Loan Forgiveness and how many qualifying payments I've made. I have received cut-and-pasted responses to most of my inquiries since XX/XX/XXXX. ( They did finally confirm, on XX/XX/XXXX, that XXXX XXXX counts as a PSLF-qualifying institution. ) I contacted them in XX/XX/XXXX to request that they remove paid-ahead status from my account, which seems to be the same tactic they have used to effectively remove payers from the PSLF payment scheme. I had never requested that my account be placed in " paid ahead '' status and do not understand why this was done. XXXX claimed that some of my payments did not qualify for PSLF for this reason. All I'm requesting is that XXXX accept all of my payments since XX/XX/XXXX as qualifying PSLF payments. I'm aware of the class-action suit against them and don't want to be another victim of their predatory practices.
Company Response:
State: PA
Zip: 17057
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XX/XX/XXXX XXXX sent me a single email to an address that was setup at the beginning of me attending university. I was never notified via email of phone that my IDR would be expiring soon. On XX/XX/XXXX I happened to check my account and see the payment is nearly 3x the amount it used to be ( {$91.00} to {$290.00} ) because IDR expired and I had not seen the single email they sent to a now defunct email address. I immediately resubmitted my IDR plan and am now told it'll take up to a month to process as it has to be " manually reviewed ''. The first time this process took no less than two days while I was in a grace period ; now, however, they say that " the system '' was unable to process my information despite it being taken right from the IRS website. I've called them multiple times and all they can offer is to continue forbearance, which results in expensive interest capitalization. All the while I am missing important payments that would be going towards PSLF. Being in between jobs and having a strict budget means I was anticipating the IDR payment amount. I find it completely unacceptable that they are allowed to take away IDR from people who are just starting their careers and can not afford to pay the original amount.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do know who this bank is aes/XXXX, I have never received an bill from them, I have never received a call from them, before you start reporting anything negative on one credit report, they must receive a bill and I have never received a bill from these guys. they are reporting me 60 days late on my credit report, who does this? this has caused my credit score to go down -135. also I was enrolled in school 2018 at ohio XXXX school full time and just graduated XX/XX/2018. when you are enrolled in school full time, loans to my understanding goes into some type of deferrement ...
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX received my Direct Consolidation Loan from XXXX approximately XX/XX/2018. I have been making payments to this consolidation loan at XXXX that qualify toward payments under the PSLF. I have phoned several times, but I have not got XXXX XXXX to research the documents received from XXXX so that I can have the appropriate number of qualifying payments post to my account.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A