Date Received: 2019-01-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The lender is not posting to the credit bureau my 4 consecutive payment. The credit bureau still saying that no payment has been made. Pennsylvania Higher Education Assistance Agency Account # : XXXX Account ID : XXXX
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2019-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I requested to be considered for TEPSLF on XX/XX/2018. I was denied forgiveness under that program on XX/XX/2018 and the denial letter reads : " To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an incomedriven repayment plan. We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF. The monthly income-driven payment amount calculated using your information on file was {$350.00}. A review of your payment history determined that your most recent payment made was less than the calculated monthly income-driven payment amount. This makes you ineligible for the TEPSLF opportunity. '' This reason for denial does not make sense since my last payment WAS {$350.00} and my payments the entire last year have been under income driven plans and paid automatically and on time. Please help advise on next steps.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was in default with student loans. We fell on hard times and until recently I couldn't pay. On XX/XX/XXXX I was able to pay my balance in full which was agreed to by PHEAA/AESthrough XXXX XXXX. We settled on everything minus the fees from XXXX. PHEAA/AES is still reporting to the credit bureau that the loans are still in charge off/collections and default. They told me that they will continue to report to the credit bureau that it is in charge off/collections for another 4 years because I made a 1 time payment and didn't do their loan rehabilitation payment program. We are trying to pay off debt in hopes of eventually buying a house. The fact that I am being punished for paying my debt in one payment is absolutely ridiculous and wrong. I want these marked as paid/current and then removed from my credit reports. I have disputed with the credit bureau and PHEAA/AES keeps claiming its resolved - customer disagrees.
Company Response:
State: KY
Zip: 40422
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been working with XXXX XXXX XXXX since the end of XXXX to get an affordable payment. I have called at least a dozen times. I have filled out multiple applications and submitted pay stubs multiple times because every time I call I am given a different answer. I still do not have an affordable payment and it is now the end of XXXX with a payment due XX/XX/XXXX. When I asked for a report of all the times Ive called and responses Ive received I was told that is internal information. So there is zero accountability on their part for the fact that it has taken them two months and they have not helped me at all. There is zero accountability for their mistakes but I am expected to make my payment which I cant afford. Today I finally spoke with a woman that partially fixed the problem. But it is simply due to the fact that I was lucky enough to get her on the phone which makes me question what they were doing for the past two months when they told me they were submitting applications. I feel that they do not handle things properly which is worrisome considering the amount of debt that they manage. I am frustrated that they are my only option for repairing these loans. I simply want to be able to afford my payment and make said payment. Not use forebearance time as they have suggested did to me when they dont know what to do. I have never felt so powerless and I feel that it is criminal that they have no accountability and that they dont need to answer to me the customer when they dont do their job. I think that I am well within reason to ask for that breakdown of what they have been doing for the past two months when Ive called. Ive spent countless hours on the phone with them figuring this out. Ive done my job. I feel that they and the department of education are criminals for the way that they handle these things. I have never felt so powerless and I feel that it is criminal that they have no accountability and that they dont need to answer to anyone when they dont do their job. I think that I am well within reason to ask for that breakdown of what they have been doing for the past two months when Ive called. Ive spent countless hours on the phone with them figuring this out. Ive done my job. I feel that they and the department of education are criminals for the way that they handle these things Something must be done.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am currently under the REPAYE program and working towards PSLF while working at a qualified employer. when submitting my annual employment certification form which I have done many times in the past there was a discrepancy with the number of qualified payments between my subsidized loan and my un-subsidized loan by one payment. when I first called the discuss I spoke with someone at XXXX XXXX who did not understand the PSLF process and was told incorrect information about the amount that was needed to qualify for a payment. when I called again and found another representative I was told that in XX/XX/XXXX the payment, which i did not change and never do, was for XXXX XXXX less than the amount that it should have been therefore disqualifying that payment towards one of my loans for PSLF. The XXXX was charged in the month of XXXX. I was told that there was nothing that can be done about this but I do not feel that a mistake from the platform used by PSLF should be my responsibility. the payment for REPAYE is set by the department of education and I do not change the amount ever and would never underpay a loan by XXXX XXXX.
Company Response:
State: NH
Zip: 037XX
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been working full time in public service since XX/XX/XXXX. During this time I have been paying my loans on automatically, on time, and under income drive repayment plans. I applied for PSLF in XX/XX/XXXX and was denied with only 108 payments accepted towards PSLF ( out of 120 needed for forgiveness ). No one at XXXX XXXX has been able to explain why all 120 payments were not accepted despite my many phone call and email requests. I then asked to be considered for TEPSLF on XX/XX/XXXX. I was denied forgiveness under that program on XX/XX/ and the denial letter reads : " To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an incomedriven repayment plan. We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF. The monthly income-driven payment amount calculated using your information on file was {$350.00}. A review of your payment history determined that your most recent payment made was less than the calculated monthly income-driven payment amount. This makes you ineligible for the TEPSLF opportunity. '' This denial does not make sense since my last payment was {$350.00} and my payments the entire last year have been under income driven plans and paid automatically and on time. Please help advise on next steps.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loans were placed in a " forbearance status '' after I requested assistance in XX/XX/2018 due to temporary financial hardship. On XX/XX/2018, credit monitoring service notified that I was 90 days late on 3 student loans. After contacting XXXX XXXX, they stated that the account was currently in " forbearance status '' but had not previously been. This issue seems to be a clerical mishap and is greatly effecting my credit score as the single payment was distributed/reported to 3 individual loans.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I applied for a loan consolidation with XXXX XXXX in XX/XX/XXXX because they already held a bulk of my graduate student loans. During the process of the loan consolidation, I indicated that I was unemployed and submitted an app for an Income based repayment on XX/XX/18 ; along with the app, I uploaded my spouse paystub to my online account with XXXX as directed by a representative. I received a text message from fedloan stating In order for my Income repayment plan to be considered I needed to upload supporting documents so I called in twice, once in XX/XX/XXXX and again in XX/XX/XXXX regarding this uploaded paystub ; I notified the reps each time that I had already submitted the paystub and each time it was confirmed they could see the paystub.On XX/XX/XXXX, I received notification the consolidation was completed with no mention of the income repayment plan. On XX/XX/XXXX, I received another text from XXXX stating my payment is coming due on XX/XX/XXXX, etc. so I logged into my account to see why I had a payment due when I had applied for a repayment based on my unemployment. When I logged in I see a notice stating I needed to provide a paystub for my repayment plan so again, I call into customer service and the rep tells me it was denied because they didn't know how often my spouse was paid. Once I told him where to find this information on the stub he advised me he would resend the app for review ; I was never notified or contacted about this missing information until I reached out to them to check on the status. As of today,, XX/XX/2018 my account is now showing in a 5 day delinquent status. I sent an email ON XX/XX/18 inquiring about the status of my repayment plan and the reply back On XX/XX/18 stated it's still pending as of XX/XX/XXXX and not the original date I submitted it months ago. I have not been able to get this escalated and resolved with XXXX ; I am only getting the runaround about my account that I have diligently attempted to resolve prior to going into a delinquent status.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have continually been employed in Public Service since my student loans entered into the repayment phase and this has been accepted by my lender. I was told by my lender that my first three years of FULL loan repayments would be counted retroactively towards my Public Service Loan Forgiveness program once I was accepted to the PSLF program. Now I am being told that because I wasn't first registered in a preferred repayment plan such as the Income Driven Repayment Plan, these three years of on-time and FULL payments will not count as qualifying payments. I've been told that I've lost out on approximately 36 payments I've already made of my required 120 overall payments for PSLF. I paid the full amount monthly for three years which is greater than those monthly amounts required by plans such as the Income Driven Repayment Plan. This makes absolutely no sense and is a substantial time delay in my repayment process. Information given to me as I signed up for PSLF was inaccurate.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My loans were forgiven on or about XX/XX/2018 after I filed my first complaint with CFPB on XX/XX/18. Part of my request for resolution was that I receive any refund from overpayments immediately. Today is XX/XX/18 and I have not yet received the over {$4000.00} I am due in refund. Each time I contact XXXX XXXX, I have been informed that it is unclear when I will receive my refund and that there is no way to track my refund. Also, XXXX XXXX is not able to tell me if I will be mailed a check or if the money will be direct deposited into my account. I truly believe this to be unacceptable since this is my money. I need to know when I will receive it and how and if its much longer than 30 days after the forgiveness on XX/XX/18 then I am requesting interest to be paid.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A