Date Received: 2018-12-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Back in XX/XX/XXXX of this year, I submitted in application for co-signer removal of the student loan. I have provided sufficient documents they wanted and have not heard back from them. I am always on time paying this loan and have been paying for it for the past ten years. All I asked is to remove the co-signers name and called multiple times to American Education Services to see updates. They kept telling we haven't heard from them yet. They submitted my application twice and still no response. Then actual lender is XXXX XXXX XXXX ( XXXX ).
Company Response:
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2018-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-23
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Hello so I'm not sure if I filled out the correct boxes but were do I begin. I started XXXX College of XX/XX/2011 and left at spring break. The recruiter was trying hard for me to stay and was telling me financial stuff I didn't understand but I was already starting to hear bad rumors about the school so I quickly found another and jumped into XXXX College. During my enrollment they pulled up a screen and said sign here and here etc. This is for yur Grant 's for the year. As time passed I've noticed that when I'd asked questions about my student loans I'd get the run around. And one time I asked if I can have some of the money from my loan since I'm falling under hardship. They agreed and signed over a check in my name. A week or two passed and I was called to the office saying they messed up on calculations and I owe them money. I said how is that my fault? You guys do the paperwork I have no clue what you did. And so I was penalized by the school. Long story short after all this boost of saying we guarantee a job replacement when you graduate and doing mock interviews as one of our credited classes because they wanted us to be prepared for the real job interview. Before we graduated they told us when we had to pay back the student loans I think it was 3-6 mths later but not to worry because we will all have jobs in our degrees. Well after I found my own job as a on call XXXX XXXX at the hospitals is when I found out that the schools that I attended took out * 24 DIFFERENT STUDENT LOANS * in my name from different places. I had NO CLUE TILL I GOT THE LETTER IN THE MAIL. I owe {$30000.00}. I got them to consolidate 24 loans into 14. That was the best they can do since there was so many. They don't even know how it reached to that many. After hearing about what was going on with XXXX, XXXX was under fire as well. So instead of closing there doors all they did was rename their school to XXXX College which now is closing there doors as well. I've tried fighting and reasoning with XXXX XXXX about my case but they tell me because I make good money I should pay it back. It took me 2 yrs applying to a hospital here in California were my job title is XXXX XXXX. My role is to XXXX XXXX XXXX XXXX XXXX XXXX but my main role is to XXXX XXXX XXXX. My degree in college was XXXX XXXX. I'm the main income in my house. I take care of my mom, little sister, my XXXX yr old son and husband. My mom is on XXXX and only gets {$500.00} mth. The XXXX XXXX wants me to pay {$310.00} mth in which I can't afford because I'm only guaranteed 24hrs at my job and try to pick up 2 extra days. So tell me is it my fault on the colleges mistakes on 24 different student loans and because of that as well my credit score is not so good either but I'm doing my best to keep in good standings.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2018-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.
Company Response:
State: WI
Zip: 53224
Submitted Via: Web
Date Sent: 2018-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-23
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: On XX/XX/2018 ( Time XXXX XXXX ). I XXXX XXXX, submitted an on line dispute to XXXX disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017 of which should have been deferred per my conversation with the XXXX XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the Fed Student Loan intention. Per my conversation with the Credit Bureaus, I was informed that XXXX XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! Sincerely, XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-23
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: XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2018-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am an XXXX XXXX on XXXX XXXX. I have student loans serviced through XXXX. I enrolled in the Public Servant Loan Forgiveness ( PLSF ) Program. Per the program guidelines, I pay monthly payments, the amount is determined by my income and family size. I submit income, family information as well as employment certification forms annually to remain in the program. After 10 years of monthly qualifying payments, the remainder of debt is forgiven. I submitted the required paperwork on XX/XX/2018 while I was forward XXXX in XXXX. To date, XXXX has yet to give me credit for the monthly payments I made. Next month, I will submit my documentation again as required my the PLSF stipulations. I have contacted XXXX numerous times about the delayed processing of my employer certification and a corresponding lack of credit toward my loan forgiveness. Every time I contact them they say it can take 6 months or longer, yet it has been over 11 months since I submitted the paperwork. I am going to submit my next set documentation for the PLSF program next month. I am concerned with the backlog of credit given for qualifying monthly payments to my account since they have yet to process my payments for this year 's monthly payments. Given their lackluster customer service, I have no faith in their ability to conduct multiple reviews of my status without making a mistake that will result in delayed loan forgiveness. Thank you in advance for your time and consideration on my behalf. Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2018-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loans are defaulted. I was told I could rehab the loans for $ XXXX/month and after 5 months wage garnishment would stop and after 9 months the loans would be out of default. I made XXXX payments in XXXX, XXXX, XXXX, and XXXX. When making my payment in XXXX they told me that my payment was now going to be XXXX because they recalculated based on documents I sent in and I had to send a letter back to them. I made a XXXX payment in XXXX and was told none of my XXXX payments count as part of the rehab. I was told the XXXX payment would be counted as my 1st payment. I was led to think each time I made a XXXX payment is was counting toward my loan rehabilitation. My XXXX payment should be and is my 5th payment not my first.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have contacted XXXX XXXX numerous times regarding calculation of my qualifying payments toward Public Service Loan Forgiveness ( PSLF ), and receive the same message every time : " We're behind and we're working on it ''. I've been waiting 15 months. Here is my timeline : XX/XX/XXXX - Submitted first employment certification for Public Service Loan forgiveness ( PSLF ) and loans were transferred to XXXX XXXX. I was told payments toward PSLF would be calculated. I've been with the same employer and paying on a IDR plan since XXXX.I was told average calculation time was 90 days. XX/XX/XXXX - I had an issue with early termination of my IDR plan and reassessment of payment amount, which ended up in my filing a complaint with the U.S. Dept of Education Student loan ombudsman. During resolution, one of my terms was to ensure payments made during this period would count toward PSLF. I submitted another employment certification ( same employer ) per their request, and received notification that I had made 4 payments toward PSLF, which I was told were from the period of when the complaint started to resolution ( XXXX ) yet the letter says my qualifying employment was XXXX, which doesn't even equal 4 months. Since this time, I've contacted XXXX XXXX 2-3 times asking about calculation of my other payments ( XXXX ) qualifying for PSLF. I've been told the servicer is " backlogged '' and " calculations are taking a long time '' which they can not provide a frame of reference. I am about to switch jobs, and would like to know how many qualifying payments I've made to consider future plans for my employment. Also, I wanted to add that my husband is also currently paying toward PSLF. He has submitted two employment certifications and received qualifying payment counts within ~3 weeks on average. His loans were originally under another servicer, and XXXX XXXX was able to count all of those payments within a mere weeks, whereas I've been waiting 15 months.
Company Response:
State: VA
Zip: 23456
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Had to fill out a reaffirmation agreement and send it to XXXX to be processed for my upcoming class. I sent them the form well in advance and they told me 7-10 business days to process. I had to keep calling back several time after the time frame to have it processed. They said they sent it to my school and my school still has not received it. I called and asked to have it emailed to me and they said they would. 3 days later still no email so I called and asked to speak to a manager and the person that got on the phone said she would expedite the email but I have no faith in that. Here it is my class in 4 days in and XXXX does not care about my paperwork. They talk really quick and try and get you off the phone but do not resolve your issues.
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I work in the XXXX XXXX and have been trying to move all my loans to XXXX XXXX so that my payments will qualify under Public Service. I have many Direct loans as well as a two consolidated loans. Prior to this issue I had moved all my loans over to XXXX XXXX, except for the consolidated loans. I was instructed by XXXX to complete a loan consolidation request and choose XXXX XXXX as my servicer. On XX/XX/2018, I completed a Federal Direct Consolidation Loan Application with an Income Drive Repayment Request. I completed the request online through StudentLoans.Gov. I chose XXXX XXXX as my servicer. On XX/XX/2018, I received notice from XXXX that my application had been received. On XX/XX/2018, I received notice from XXXX that my consolidation has been completed and I would be receiving notice of my repayment plan soon. I did not receive any more communication regarding the consolidated loan for over 30 days. On XX/XX/2018, I called XXXX XXXX, inquiring about my consolidated loans and when can I expect to receive a bill. I was concered about the length of time this was taking and wanted to be sure I had completed everything on my end. The representative explained that XXXX had all required documents and information and processing is just taking a while. He explained that I should be receiving my repayment terms in the next few weeks. On XX/XX/2018, I received a notice from XXXX that In order to leave your current Income-Based Repayment ( IBR ) plan to go to another plan, you are required to make a full payment on a Standard plan or make a reduced payment under a period of forbearance. Based on your form, we have applied a forbearance on your account with a required payment amount of {$110.00} On XX/XX/2018, I received a notice from XXXX XXXX showing my repayment terms on my consolidated loans. The notice stated I was placed on the Standard Payment Plan. On XX/XX/2018, I received a bill from XXXX for my consolidated loans, stating I had a payment of {$470.00} ( standard payment ) due on XX/XX/2018. On XX/XX/2018, I called XXXX XXXX in an attempt to clarify the situation. I didnt understand why my consolidated loans were on the standard payment plan and what is the forbearance payment. I spoke to a representative who explained that the forbearance payment was required to finish processing of my income based repayment plan. She stated that once I made the payment of {$110.00} then XXXX could finish processing my request and all my loans ( consolidated and others ) would be on the new payment plan. She stated I only needed to make this payment by the date due ( XX/XX/18 ). I inquired what to do about the payment of {$470.00} as I would not be able to make the payment. The representative said to NOT make the payment. She said my account would show past due and that is okay. XXXX will finish processing my payment plan and in another 30 days or so everything would be sorted out. I felt very uneasy about letting my account go past due. I have never missed a student loan payment or been late but I accepted her word. On XX/XX/2018, I paid the {$110.00} through XXXX as was required. On XX/XX/2018, I received two bills from XXXX. One was for my unconsolidated loans and the payment due was {$1000.00}. The other bill, for my consolidated loans, reflected a balance due of {$960.00}, of which {$470.00} was past due. Being extremely concerned, I called XXXX on XX/XX/2018 and spoke with XXXX ( I believe this was her name ). After attempting to explain all of the above I asked for clarification and stated I was very nervous about my account showing a past due. After placing my on a significant hold XXXX explained that everything I was told on XX/XX/2018 was incorrect. XXXX said that during this entire time I was supposed to make a payment of {$5.00} in order to complete processing of my income based repayment plan. I was confused as I have never been billed for {$5.00} nor has anyone ever mentioned this to me during any prior calls. XXXX could provide no explanation. I asked her to review the account notes and explain why the last representative told me to pay the {$110.00}. She had no explanation other than that was my monthly bill. She stated now it was too late to complete the income based payment plan and I will need to submit a new application. She also stated I did need to pay at least the past due balance. I explained I do not have those funds and I dont understand why my loans are not on the income based payment plan. Every time I asked how was I supposed to know to pay the {$5.00} she referred to page four of their application for income based plans. I repeatedly told her that I did not use XXXX application, I submitted my consolidation and payment plan request through StudentLoans.gov and was never instructed to pay {$5.00}. Eventually the representative offered that I could place my loans in forbearance which would clear up any amounts due and then submit a new payment plan request. I agreed as it seemed like my only option. During the time I waited for her to complete the processing I found the letter from XXXX dated XX/XX/2018, that references the forbearance payment of {$110.00}. After reading this letter to the representative and, again, pointing out that I did pay {$110.00} on XX/XX/2018, I was placed on another hold. This time she came back and said yes, they will note that was my forbearance payment and they will complete processing of my income based payment plan. She indicated there is nothing further I need to do and in 2-3 weeks all my loans should reflect the new payment plan. So now, apparently everything I was told in XXXX was true. Maybe? My issue is that, while my account does not show a balance due any longer, Im very concerned that my loans are still not going to be based on the income based payment plan. I have been trying since XXXX to move these loans over and get them under the correct payment plan. As you can see, I have done everything in my power and I keep getting told to wait ( while also receiving alarming bills, notices and wildly conflicting information ). Every month they arent on a payment plan is another month that isnt counting towards my public service loan forgiveness. I desperately need someone to help get this straightened out.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A