Date Received: 2019-01-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have a loan with XXXX XXXX. I paid off one of my loans in full on XX/XX/2018. The loan was " DIRECT UNSUB STAFFORD LOAN '' and had a balance of {$200.00} when I made this payment, and I directed exactly {$200.00} to be paid against this loan. Somehow, XXXX XXXX is still showing that I have a balance of {$1.00} on this loan, which is the amount of interest I paid on the loan on XX/XX/2018. I do not understand why the loan still has a balance. I paid it off in full on XX/XX/2018. Is this happening to other loan re-payers as well? Is the servicer artificially maintaining our loan balances as a way to exact additional funds from us? I would like an explanation of this, or a corrective action to be taken against the servicer. If I am repaying loans in full but STILL being charged interest, that is a major issue.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2019-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-08
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: After filing bankruptcy and getting correctly discharged, I was told by my lawyer that I was eligible to have my student loans deferred within a forbearance for up to 5 years. My lawyer stated that this type of forbearance was sent in seeking the full 5 years. This was completed at the start of my Bk on XX/XX/XXXX then on XX/XX/XXXX I received a message that my payment was pretty much due immediately. XX/XX/XXXX. I immediately called regarding this, Luckily I still knew my account information log in and checked my old password because one would think something as serious as this would be more of a notice AND sent within mail correspondence. They have my correct number and address but choose to send me an email instead. I am having problems with XXXX XXXX : 1 ) the above is where the deceptive practices began. 2 ) next after speaking to their customer service rep they simply told me to send in my bankruptcy paper work and they will get back with me. ( Saturday XX/XX/XXXX ) 3 ) I called back on Monday XX/XX/XXXX because the payment was due very soon. At this time the other rep had no idea of the my very sensitive paper work went to and who was reviewing it. Then advised me to also apply for a general 3 month forbearance. No one knows what they are doing! 4 ) XXXX is attempting to ruin my fresh bankruptcy because which will cause direct harm to my financial lively hood due to their unprofessional, disorganized approach to handling my profile. 5 ) this loan showed discharged in bankruptcy within my discharge paperwork.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2019-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
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 am a student who has been attending college since XXXX. Currently I am enrolled with XXXX XXXX University. Before that I was attending XXXX XXXX and XXXX on XXXX with a XXXX. I started classes at XXXX XXXX University on XXXX of XXXX and enrolled in XXXX of XXXX for My XXXX. I will graduate this summer. During the enrollment process, I noticed that there was a 90 day late payment for student loans reporting on my credit report. I was very confused and shocked as to why I was being reported late when I had never received a bill. That's when I decided to call XXXX XXXX XXXX to figure out what was happening. When I called XXXX XXXX, I asked a lot of questions. I was wondering why they never sent me a bill but instead decided to report me late on payments. They couldn't answer any questions and didn't seem to know what was going on. I was asked to provide copies of my credit report so they could investigate the situation and clear up any mess or confusion. I went ahead and did as was asked. The issue was that XXXX XXXX never seemed to ever receive the documents. They would ask me to fax it and e-mail it several times over a period of 2 months. Nothing ever came of it. After months of frustration I began asking a lot more questions that XXXX XXXX never seemed to have an answer to. XXXX XXXX kept saying that they never received any of my paperwork but then would tell me that they had notified me about the bills due. I asked them how they provided me these notices and was informed that they sent them to my XXXX paperless inbox. I didn't have a XXXX paperless inbox ... In fact, I didn't even create one until several months after the 90 day late payments were on my report. In other words, they never billed me or were trying to bill me to an account that didn't exist. I notified them of this fact but XXXX XXXX didn't seem to care. For month 's I tried to get them to prove to me that I was billed or notified about this account. They never called me, never sent me any notices in the mail, and they never even billed me electronically or by e-mail. I even have proof. I took a picture of all the e-mails I've received at XXXX account and the oldest notification of any kind is on XXXX of XXXX. They don't even have any bills either. These are just account related documents. THERE IS NO BILL WHATSOEVER IN THE ENTIRE HISTORY OF MY ACCOUNT! How could be late on something I was never billed for. and since I am a student, why do I have to pay on my student loan since I am still attending school? This is totally unfair and is detrimental to my credit. I will be attempting to buy a home as soon as I finish my XXXX program this year and those late payments are a hindrance which will not get me the best loan possible. This means thousands of dollars over the life of a 30 year mortgage. It also means higher interest rates on many other types of credit I will need to obtain over the next 5+ years. I even attempted to hire a consumer advocate to deal with this on my behalf since I was not getting anywhere with XXXX XXXX. My advocate spoke with them on several occasions during the last 6 months and he has been given the run around as well. They tell him that they have sent e-mails to me on XX/XX/XXXX through XXXX of XXXX. But as stated before, I didn't even have an account for them to send an e-mail to. I even have proof. I am uploading an e-mail I received dated XX/XX/XXXX of XXXX informing me that I should open Account Access so I can get open up account access. I really need assistance in getting XXXX XXXX to remove that 90 day late payment from my credit report. I was never late, they never billed me, and there was no way for me to know that I owed money especially since I am still a student.
Company Response:
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2019-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This is a continuation of my complaint : XXXX. 2 times my request for a recalculation of my IBR has been rejected, both because of my wife 's self-certifcation letter. The first letter we submitted used exactly the same language as a letter that was accepted last time we did this. Both times the letter was rejected, the initial email did not say what was wrong with it. I had to call back for that information. The first time the letter was rejected it was because we did not explicitly state that it was " gross '' monthly pay. They mentioned no other issues. We fixed that, and the second time it was because the letter doesn't explicitly say " XXXX '' -- it only said " XXXX XXXX XXXX XXXX. '' Both times we have responded very promptly with amended letters. Our last amended letter was submitted on XX/XX/XXXX. Your website now tells me I shouldn't expect another response from XXXX until XX/XX/XXXX. I called last week to see if this could be expedited under the circumstances. They couldn't tell me if it was going to be expedited - given that I haven't heard anything, I have to assume that this very reasonable request has fallen on deaf ears.
Company Response:
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have a student loan that I have been paying on for almost 8 years now, and I am looking to get them forgiven in year 10 with the public student loan forgiveness program. To initiate this process, you submit a form and the company, XXXX XXXX XXXX, sends you a status on how many payments of the 120 required for the forgiveness I have completed. When I received my notice, it stated that only 15 of my 70-80 or so payments have qualified, basically disqualifying me from the program as I will have paid my loans off before I reach 120 payments. I have my loans split, and one that I have been paying on for 8 years says that only 5 of my payments have qualified, noone I have talked to on the phone can explain why and state it is easy to see I have made all my full ontime payments since I have opened my account. This information is incorrect, I have paid my full amount due each month and in the right repayment plan. I requested an audit of my payments and account on XX/XX/XXXX. Over the past 11 months, I have received no information on where I stand with the review of my account. I have called approximately 6 times to inquire and each time no information or updates have been provided, and have been told to continue to " be patient ''. All the while, requests for my income and increases to my monthly payments are handled and implemented in less than a week. The company is quick to resolve matters that favor them, but has done 0 to assist me. I have recently sent in emails to the company, 3 have been acknowledged as received in their system, but no responses, and a phone call today XX/XX/XXXX also ended in a " continue to be patient '' response. I am now requesting help in resolving this as the company is taking 0 action to help me and I have no where else to turn. I would like to have my audit completed to know where I stand with my loan, or if there is still an error, find out what I can do to rectify the problem. Please help
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/2018, I called XXXX to inquire about the process to resolve a miscalculation of my payment amount. I had submitted recertification documentation approximately one month earlier, and my loan repayment amount had increased by over 90 % without a corresponding increase in income. I believed then, and believe now, that this was an error. During the course of my call to XXXX, I spoke with three separate customer service agents that were unsure of how to help me. I was advised by each of these service agents to upload a letter to my account explaining the situation and why I believed there was mistake. I did so in detail, and received notice that XXXX had received my correspondence on XX/XX/2018. In my letter, I cited the published formula used to determine repayment amounts, and included extensive documentation about my household finances. I requested adjustment to my repayment amount, and -- if denied -- I requested a brief explanation as to the math being used to arrive at the figure and/or an explanation as to the reason for the rejection of my request. At this point, XXXX has not adjusted my repayment amount, and I have received no response or explanation whatsoever. It has been 4 weeks, which seems like a reasonable window for some sort of a response. ( I followed up with XXXX on XX/XX/XXXX, again requesting a resolution to the issue -- I did not receive a response to that inqury either. )
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I currently have a loan with American Education Services ( AES ) through XXXX XXXX. My loan was disbursed on XX/XX/XXXX for {$33000.00} and I have not missed one payment in almost 10 years. The loan is currently at {$28000.00}. Less than {$5000.00} paid off in 10 years. This has been very difficult on my family and myself, especially since the interest rate has continued to increase over the years. They say I am not eligible for a rate reduction or Public Service Loan Forgiveness. I am a paid career XXXX/XXXX and should be eligible. My expected payoff date is XX/XX/XXXX which is 30 years of payments. Very cruel and unfair. When I took out the consolidation loan I was not prepared to NEVER catch up on the loan. Making payments above the minimum is just not possible but seems to be the only way to get ahead, which is not right. I have contacted AES many, many times seeking any kind of help or advice without any resolution.
Company Response:
State: OH
Zip: 44138
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My daughter XXXX XXXX was in XXXX where she applied for a student loan and she forged my signature as co-signer. When I found out about it I called the lender and told them I never co-signed for the loan. XXXX got on the phone with them and confirmed that I never co-signed for the loan. Then in XX/XX/XXXX I was notified that the loan was in arrears. I called them and said I thought they had deleted my name from the loan after hearing from me and XX/XX/XXXX that I never co-signed for the loan. They told me to get a police report. I did. I sent them the police report. Still they did nothing about it. Now the loan is 2 months in arrears and my credit rating has dropped over 100 points. I want to be removed from this loan. I never signed for it and I notified the company accordingly. The borrower also notified the company. I want justice. I should not be penalized for a loan I never had anything to do with.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Again this another complaint against the student loan company American Education Services which is formerly the name of XXXX XXXX. I have filed complaints before in regards to their third-party collection practices. Allow me to refresh your memory : case # XXXX which involved XXXX XXXX and XXXX and resulted with this company ceasing all collection activities against me ; case # XXXX which involved the law firm, XXXX XXXX XXXX XXXX and resulted in a Notice of Discontinuous that was filed in NY Supreme Court ; case # XXXX which involved the law firm, XXXX XXXX XXXX in which they claimed that the file was closed and left their office in XX/XX/XXXX. However, I happened to check my credit score and decided to get my credit report. I found all this derogatory information on my credit report by American Education Services or AES/XXXX. On my credit report from XXXX in their comment section they claimed, " Transferred to recovery status updated XX/XX/XXXX. '' They also claimed that this account was first reported in XX/XX/XXXX meanwhile my account was opened on XX/XX/XXXX. My first initial payment to this company was on XX/XX/XXXX, My last payment to them was on XX/XX/XXXX. On my credit report from XXXX XXXX they claimed my last payment was on XX/XX/XXXX. Notice the difference of the last payment dates! In their remarks section they stated " Transferred to Recovery < > Unpaid balance charged off. '' Also this derogatory information is scheduled to come off my report in XX/XX/XXXX. However, this is the first of many derogatory complaints from this company XX/XX/XXXX, & XXXX. I will be filing separate complaints for each of them. I currently have disputes opened against them with XXXX XXXX and XXXX, I have to mail a request for a credit report with XXXX because for some reason they would not allow me to get my credit report online. I do intend to file legal action against every last one of these companies.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Issue # 1 : In XX/XX/XXXX my father sent a {$1000.00} check to the Department of Education XXXX XXXX XXXX to pay off {$1000.00} in principal on my student loans. I was still in school at the time, so no payments were actually due on the loans yet, this was just a payment to pay down some of the principal. My father 's check was dated XX/XX/XXXX and it was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX. However when I look at my loan information online, I don't see this payment deducted. I wrote a letter to XXXX XXXX on XX/XX/XXXX and sent it via Certified USPS mail asking them to let me know what happened to this payment. My letter was delivered to XXXX XXXX on XX/XX/XXXX, but I have not received any response yet after more than a month and a half. I have attached below the following documents that were already sent to XXXX XXXX : - My letter dated XX/XX/XXXX - Screenshot of {$1000.00} check being cashed on XX/XX/XXXX - Carbon Copy of my father 's {$1000.00} check dated XX/XX/XXXX I have attached these additional documents as proof that I have attempted to resolve this previously : - Post office receipt for Certified mail sent to XXXX XXXX on XX/XX/XXXX - Confirmation of delivery on XX/XX/XXXX for the same Certified letter Issue # 2 : I made a another Principal only payment by check in the amount of {$1700.00} accompanied by a letter dated XX/XX/XXXX with specific instructions about how and where the money should be applied. This check was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX, but they applied most of this payment to interest instead of principal and they applied it to ALL of the loans instead of the two loans I specified. They have also advanced the due date on my payments to a date in the future - which I did not ask to have done and do not want. I wrote the PHEAA Office of Consumer Advocacy a Certified USPS letter about this problem on XX/XX/XXXX asking them to fix it, but have heard nothing back yet after more than a month has passed since they received my letter. They received my Certified letter on XX/XX/XXXX. I have attached the following documents : - Certified Letter dated XX/XX/XXXX sent with check for the {$1700.00} principal payment. - Certified letter to PHEAA Consumer Advocate dated XX/XX/XXXX identifying the problem and asking that it be corrected. - Screenshot of my online loan account showing this payment was applied mostly to Interest instead of being applied to Principal only. Also shows being applied to ALL loans instead of the two I designated. - Monthly bill dated XX/XX/XXXX showing the 2 loans with the smallest balance, which is where this Principal payment should have been applied. - Confirmation of delivery on XX/XX/XXXX of Certified letter to PHEAA Consumer Advocate.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A