Date Received: 2019-01-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am trying to find out why is my XXXX discharge taking so long to go through by the loan services. XXXX notified them on XX/XX/2018 of my permanent discharge approval due to verified VA XXXX. I keep calling and asking so I keep getting different answers about why it is not done yet. Including any refunds that is due back. First, they said 60 days, then 90 days, and now 6 months. XXXX said it should have been completed by now because they have all paper work needed for discharge and any refunds that is due back. Thank you
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX of this summer I changed my accounts at my local bank that was where I had my auto deduction made for my student loans. Since the account took awhile to close it seemed to close on the day my loan was to be paid. I contacted XXXX to ask if I should make a payment or see if it went thru and to make sure it would not mess up my student loan forgiveness or anything else. The customer service rep said it would not be an issue and they would send me a letter if the payment did not go thru and I could make it then. The payment did not go thru but since I receive the letter I was able to make the payment for the 15 day window on the loan forgiveness. The Rep failed to tell me however that I only had a 6 day window on my interest rate incentive and that I would lose it. I could of made a payment that day! If they had provided me the correct information on my loan amounts I would be gaining .25 % less interest!. I have a sizable loan so that is adding up to a significant amount of money, I have contacted XXXX multiple times on this, but they just tell me I am out of luck. This is not my fault I offered to make the payment the rep told me not too!
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX XXXX XXXX of 2018, is holding my credit line from getting va home loan. the reason of these issues was my wife got diagnosed with XXXX and at that time i was between jobs and my wifes medical Needs came first
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I applied for and was accepted into the Public Service Loan Forgiveness program in XX/XX/2006. I complied with the instructions given to me. I have been in public service since XX/XX/2006. I've been informed that my payments have not counted toward the PSLF program based on several factors, one of which is that I was not in a qualifying repayment program. I was never informed of which repayment program I needed to be in or that my payments were not counting toward the PSLF program. I have had my employment certified the entire time and made all payments as required by my servicer in full. I feel this denial is completely ridiculous and fraudulent. I have complied with all known requirements and the balance of my loans should be forgiven as represented to me. The claim that I did not make my entire payment at any time is incorrect. I have always paid the full amount due. I have more documentation if needed. I have tried to rectify this with the loan servicer, XXXX XXXX, on numerous occasions.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: this institution as permanently closed due false claims against thousands people including myself they promised us all who attended or was attending this lame XXXX institution a bright future down the road but was all lies they scammed us into loaning millions of dollars to honest people who wanted a education to better themselves until they didn't or better yet failed at it but now the u.s dept. of education want 's us to pay back money that was given to us by this institution that XXXX i will no longer pay anything i will continue to fight this matter until those who were victims including myself get our loans forgiven i will keep filing complaints until my voice is heard
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am in the Loan forgiveness program and the system is saying I have 7 more payments to qualify for the forgiveness. When in reality I have paid 7 more payments then necessary. Every representative that looks at my case states the same thing " I should be beyond the requirement. '' From first contact persons to supervisors. The supervisors have submitted for expedite my case for review ... but this has not happened. I started communications in XX/XX/XXXX and still being advised that once some one will look at my case it still can take up to 13 months. Also I was advised to submit for Temporary Expanded Public Service Loan Forgiveness ( TEPSLE ) Since I qualify for that since my loan forgiveness application was denied. So I did that, but again they tell me I will just be put me on a waiting list to be reviewed for that program, but may be faster. In closing I have in good faith did exactly what the program said to do and now feel like no one can help me even though the people I have talked to tried. It sounds like there are others in the same situation that I am. Hope you can help.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I'm a XXXX XXXX XXXX, currently serving XXXX XXXX with the Superior Court in XXXX. I've been making student loan payments since XX/XX/XXXX, and hope to have my loans forgiven under PSLF sometime in XXXX. Two of the payments I made in XXXX have not ( yet ) been applied toward my 120 payments needed for PSLF. I got a new IBR amount in XX/XX/XXXX, and made a payment for the IBR amount in XXXX and XXXX ( see attached bank statements showing I made on-time payments to XXXX XXXX XXXX in XXXX and XX/XX/XXXX ). I then realized that they had miscalculated my IBR payment ( if I recall, they had used the wrong family size in making my calculation ), and my payments were approximately $ 80/month too much. I contacted them about that. It took them several months and phone calls, but they eventually reimbursed me the {$160.00} they owed me for the over-payments I made in XXXX and XX/XX/XXXX. However, the way they did that was to reissue the bills and apply the money I had paid in XXXX and XXXX to these new bills. Because it then looked like I had made the payments after XXXX and XXXX, they retroactively applied a administrative forebearance for XXXX and XXXX ( they helpfully say they did this so I wouldn't be turned over to collections! ). Thus, they say I did not make PSLF qualifiying payments in XXXX and XX/XX/XXXX, even though I did make payments in those months ( and the amount was actually over what I truly owed ). Since then, I've called them multiple times about the fact that these two payments are not counting toward PSLF but should. I called them in XX/XX/XXXX, and they told me it would be " reviewed '' and I'd get an answer after 90 days. I then called in XXXX ( 90 days later ), and was told the review was still being processed, and that it was 90 business days, not 90 calendar days. Then I called in XXXX ( 90 business days ) and was told the review was still being processed, and there was no timeline at all for when I might get an answer. I believe I also called in the spring and early summer, but got no resolution. Then in XX/XX/XXXX, I called and the person I spoke to claimed she'd be able to fix it, but it of course has not been fixed. I've called again multiple times in the last couple of months, and was told that it is now in the Quality Assurance department, and they have no timeline for completing reviews, but it could take 3-4 months. I was told I can not speak directly to the Quality Assurance department, and can not be cc 'd on the email making the request. This is all so that two payments that everyone agrees I made can count for PSLF. It's now been 20 months since I first made the payment in XX/XX/XXXX. I would appreciate any assistance your office could provide in resolving this matter.
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I contacted XXXX XXXX today XX/XX/2019 in efforts to correct an issue with them adding negative remarks to my credit report in regards to my balance. i explained to the representative the issue who in turn was able to locate the origin of error. The representatives name was XXXX, Who gave ID XXXX. He was supposedly a supervisor. He was very rude and inefficient. Only after reminding him several times that He wasnt addressing my question did he actually begin to review the account in full to find the error. he said that my loans had been capitalized and this caused remarks of outstanding balance/increase to be listed. I inquired about what could be done next to correct the error and he essentially said that there was nothing I could do. When i explained that I wanted to speak to someone else he refused. he even said that he would not transfer me. I reminded him that this was not about him personally but my pursuit to get definite answers and solutions. XXXX continued to refuse to connect me with someone else. He even went as far as to say that he was the highest person the issue would go to and that there is no one else that could help me or resolve the error. I was angry and I did call him an XXXX. But only after respectfully requesting someone else while being overtalked and being told casually that what I was saying didnt matter
Company Response:
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-02
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I've defaulted and the company Pennsylvania Higher Education Assistance Agency has charged me 18 % in additional interest on my loan for defaulting. My loan amount has actually doubled. Outrageous.
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2019-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-02
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I had to submit the application over and over again I had my employer 's statement faxed in ; per the rep it was not complete and it is to qualify I had to be in an income driver program for over 2 years and I have been more than that
Company Response:
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A