Date Received: 2018-12-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have struggled to receive my public service loan forgiveness at every step of the process. they claim this is because my loan is consolidated with my husband 's so it's " hard to see '' in their system. In XX/XX/2018, I finally had all the pieces in place. I my employment ( XXXX XXXX ) had been approved several times. I had ( sent by them ) a listing of all qualifying payments showing that I had made more than 120 qualifying payments. I submitted the final application for forgiveness and received a response that I had no loans with them. This always happened every time I submitted an employment verification. It would take a phone call, they would submit it for review and, within a couple weeks, it would be approved. So I called on XX/XX/2018 to have it submitted for review. They said they would but I heard nothing for over a month. Again I called on XX/XX/2018 to inquire about the status of the review. The person I spoke to gave me false information about the eligibility requirements. I asked to speak to her supervisor. The supervisor investigated and found all the pieces of my information ( employment approval, loans, payments ) and said she was putting them all together in one email and sending them for review. Again, I heard nothing. I called again on XX/XX/2018. At first the person helping me couldn't find my account history at all. Then he claimed that he saw the review and it was still " in progress '' and it would take " a while '' and that he couldn't say how long but there was no point in me checking up on it because they're very busy and have a lot of applications to review. It has now been over six months since I should have had my loans forgiven and I can't get any information from XXXX except that I need to keep waiting.
Company Response:
State: IN
Zip: 46805
Submitted Via: Web
Date Sent: 2018-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-16
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Based on this post. I didn't get any emails, any mail letter, any phone with any voice message that My wages will be garnished I tried this is the 2nd involuntary 15 % of my paycheck that is withhold and they do not want to negotiated anything. My next paycheck will be on XX/XX/XXXX and they will take our from my back account and not directly from employer, however the are not willing to negotiated at all. and provide only no answer with not explanation and no documentation. https : //studentaid.ed.gov/sa/repay-loans/default/collections # wage-garnishment I have the right to : be sent a notice that explains EDs intention to garnish your wages in 30 days, the nature and amount of your debt, your opportunity to inspect and copy records relating to your debt, your right to object to garnishment, and your option to avoid garnishment by voluntary repayment ; be given an opportunity to enter into a written agreement under terms agreeable to ED to establish a voluntary repayment agreement ; be given an opportunity for a hearing to present and obtain a ruling on any objection you have to the existence, amount, or enforceability of the debt ; any objection that garnishment of 15 percent of your disposable pay would produce an extreme financial hardship ; or any objection stating that garnishment can not be used at this time because youve been employed for less than 12 months after having previously been involuntarily separated from employment ; have the garnishment action withheld by filing a timely request for a hearing, until the hearing is completed and a decision issued ; not be discharged from employment, refused employment, or subjected to disciplinary action due to the garnishment, and to seek redress in federal or state court if such action occurs ; initiate any legal action against your employer if the employer discharges, refuses to hire, or takes disciplinary action against you based on the garnishment action ; and not have any information provided to your employer regarding the garnishment other than what is necessary for the employer to comply with the withholding order.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been making payments to XXXX XXXX XXXX. I am qualified for loan forgiveness through the public service program. However, my sevicer continues to charge me over {$600.00} per month in payments. They are telling me this is the only payment I can make to qualify for the forgiveness. At this rate U wont receive any forgiveness I will pay double what my original value was. Furthermore, I have used any extra money I can to pay towards my principal balance.! i have repeatedly asked that they apply all my extra payments that way. Despite this I have discovered they are still applying it as paid ahead and taking interest payments out! After more than a year. I have been paying this amount for 3 years and have paid extra. Thats over {$21000.00}. Yet my balance has Gone down less than {$13000.00}. This is really unacceptable.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello! I am still struggling with XXXX XXXX. this is in reference to an earlier case as well. XXXX XXXX XXXX struggles to accurately track payments towards PLSF and upon certifying payments frequently changes they payments to count towards PLSF. At one point, they did send me a letter stating they would credit me 23 payments ( great! ) based on earlier struggles and the difficulties I had experienced, but this has not happened. I have a copy of the letter. Though on 10 year standard repayment, no payments since XXXX have been added to my account. documentation available. At the time of selecting the 10 year standard plan in XX/XX/XXXX, I was told it would count towards PLSF without the fluctuating payments and need to re-certify each year. I selected this payment as it would eliminate the 1-2 month delay in payments each year while they calculated my payment options, and the small difference in payments on XXXX did not warrant the delay. This option was available as a option to choose on the web site at that time, though it no longer can be found ( and no one notified me if this is true ). When you re-certify each year, they is a delay in payments and I wished to finish paying my loans as quickly as possible. Additionally, in XX/XX/XXXX, I had 85 payments ( I have documentation ). Yet in XXXX I had 75 ( documation available ) I currently have 76 payments, in spite of making 11 payments that were not counted and the indication 23 payments would be added to my account by XXXX towards PLSF. I believe I should have 119 payments. XXXX believes I have 76 payments, and need to make 44 more, and MAYBE could then apply to PLSF ; though one advised this would ONLY count if I now switched to a different payment plan such as REPAYE, but this MIGHT not count as all the payments would not be REPAYE. I am extremely frustrated as I am genuinely attempting to make 120 on time payments within a predictable payment plan- and seem to move either backwards or hold still. though maybe this is the intent : for me to make payments forever.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-14
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am participating in the Public Service Loan Forgiveness Program. I have reached the end of the required time, however XXXX XXXX ( which manages the program ) has been " dragging their feet '' and mis-processing forms. For over 90 days now I have been attempting to formally communicate with them regarding the numerous " zero months credited '' for my employers that clearly qualify. Prior to them being accepted ( but incorrectly counted as " zero '' ) I had to resubmit them three times - each time for a different XXXX reason that was always a mistake on _their_ end, not mine or my employer 's. Unfortunately, mortgage companies now take into account student loan debt - even if it is on the verge of being forgiven, and even if no payments are due ( as is normally the case for any government employee repaying student loans ... ) The delay with PSLF and XXXX has resulted in me missing several windows to refinance my home.
Company Response:
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2018-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-14
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Hello, I've worked with XXXX XXXX XXXX for my student loans. My question to the company is how many payments that I've made qualify for Public Service Loan Forgiveness. I've contacted the company by phone and email many times to get a printout of what payments qualify and don't qualify for public service loan forgiveness. This has been going on for over a year and a half. I believe I'm getting close to student loan forgiveness, but can't get any information about how many payments of mine qualified or don't qualify. I appreciate your support in this matter.
Company Response:
State: MN
Zip: 566XX
Submitted Via: Web
Date Sent: 2018-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX, I made an online payment for {$920.00} for Loan Nos. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and directed XXXX XXXX XXXX to make specific payments to each loan. I also made a payment to close out Loan No.XXXX. Because of an error the company made in failing to close out Loan No. XXXX as directed, it misapplied payments to the 7 loans above by not taking out interest for each of the the payments to the other 7 loans. When the company went back to correct that error and adjust the payments to include interest on each of the seven loans, it applied the correct interest but not the correct principal to each of the loans. The total sum of what I requested to be paid was correct, but the individual payments to each loan was incorrect. In my last complaint, I had specifically asked that the company call me and dedicate a representative to work with me to resolve this matter. No one called, the company did not apply the original payments on these 7 loans as requested, and when I called to speak to someone I was told it would take 30 days to resolve. This is unacceptable. The company should have had a representative call me so I could have work with that person to resolve any future errors associated with the initial error. I want the company to dedicate a representative to work with me to resolve this issue so that if it is not resolved properly, like it was not resolved properly after my last complaint, I will not have to call back and speak with a new representative and explain my story all over again. On XX/XX/2018, here is how I directed the {$920.00} payment to be applied to the 7 loans, and here is how the company ultimately applied the payments. Again, the TOTAL PAYMENT AMOUNT of {$920.00} was applied to the 7 loans, however, each individual loan payment was not allocated the way I requested. In addition, it is ONLY the PRINCIPAL on each loan that was not allocated properly ; the interest was applied properly. Loan No. XXXX : I directed the company to pay {$210.00} on this loan. The company applied {$31.00} to interest ( correct ) and applied XXXX to principal ( incorrect ). The principal payment should have been {$180.00}. {$180.00} + XXXX = {$210.00} ( my directed amount ). Loan No. XXXX : I directed the company to pay {$100.00} on this loan. The company applied {$13.00} to interest ( correct ) and applied {$88.00} to principal ( incorrect ). The principal payment should have been {$91.00}. {$91.00} + {$13.00} = {$100.00} ( my directed amount ). Loan No. XXXX : I directed the company to pay {$100.00} on this loan. The company applied {$14.00} to interest ( correct ) and applied {$90.00} to principal ( incorrect ). The principal payment should have been {$90.00}. {$90.00} + {$14.00} = {$100.00} ( my directed amount ). Loan No. XXXX : I directed the company to pay {$160.00} on this loan. The company applied {$23.00} to interest ( correct ) and applied {$140.00} to principal ( incorrect ). The principal payment should have been {$140.00}. {$140.00} + {$23.00} = {$160.00} ( my directed amount ). Loan No. XXXX : I directed the company to pay {$160.00} on this loan. The company applied {$19.00} to interest ( correct ) and applied {$150.00} to principal ( incorrect ). The principal payment should have been {$140.00}. {$140.00} + {$19.00} = {$160.00} ( my directed amount ). Loan No. XXXX : I directed the company to pay {$85.00} on this loan. The company applied {$8.00} to interest ( correct ) and applied {$71.00} to principal ( incorrect ). The principal payment should have been {$76.00}. {$76.00} + {$8.00} = {$85.00} ( my directed amount ). Loan No. XXXX : I directed the company to pay {$80.00} on this loan. The company applied {$11.00} to interest ( correct ) and applied {$71.00} to principal ( incorrect ). The principal payment should have been {$68.00}. {$68.00} + {$11.00} = {$80.00} ( my directed amount ). I am asking two things : 1 ) That the company correct this error ASAP and NOT in 30 days. I like to make payments every two weeks, and I have been reluctant to may a payment since this debacle happened on XX/XX/XXXX because I don't want any more errors or misapplied payments on my account. 2 ) I want the company to have a representative CALL ME so I can work with that person in correcting future errors related to this issue.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2018-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. I have worked this out with XXXX XXXX and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. Appreciate you help in correcting this grossly unjust hit to my score.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2018-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: To wit loan service provider ( s ) ( XXXX, XXXX, XXXX XXXX ) consolidated Direct Student Loans and informed borrower/consumer of loans being transferred when in fact loan service provider ( s ) actually consolidated loans without permission of borrower/consumer. Grievous actions of loan service providers have forfeited qualifying payments towards the Public Service Loan Forgiveness and the Temporary Expanded Public Service Loan Forgiveness program due to loan consolidation request allegedly made by this borrower/consumer less than 10 years ago. I have attempted to resolve matter in reviewing Master Promissory Notes provided by loan service provider. None of the Master Promissory Notes provided has language of loan consolidation request. I provided documentation to loan service provider supporting payment on XX/XX/XXXX to support student loans have been in repayment longer than XX/XX/XXXX.
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Originally I had a loan with XXXX XXXX around XX/XX/XXXX-XX/XX/XXXX, which was transferred to XXXX eventually. I was told my loans would be illegible for both income-based repayment and public service repayment by both XXXX XXXX and XXXX. Over the years I continued to pay, except for when they would mess up my recertification and I would need to do forbearance until they would recertify. Finally in XX/XX/XXXX, I was told that all my loans would NOT be eligible for Public Service forgiveness, because they were done as Parent Plus Graduate. That was not the original information I was given. I then chose to reconsolidated, as specified below based on advice from XXXX and confirmed by XXXX. Attached below is correspondence with my student loan servicer, in which I have just found out that both times I had consulted with my loan providers, I was given incorrect information which has impacted my ability to repay my loans or receive forgiveness. I have worked almost all my legal career in XXXX XXXX, first as a XXXX XXXX XXXX XXXX for 5 years and as an XXXX XXXX XXXX for the past two and a half years. Based upon that, I should be around tow and a half years away from Public Service forgiveness, however since my original provider had set up my loans as Parent Plus, I was not eligible as it is not in the statue. As such, I was told to reconsoldiate my loans so they would be proper, and while that would still not make my 5 years as a XXXX a part of it, I would at least be on track for the 10 year forgiveness, and it would not impact my 7+ years of paying income-based and I would still be eligble for that forgiveness. As you can see below, that was not true. I started back at 0, even though I was promised I would not be, so I am 7.5 years from public service forgiveness and 17.5 years away from income-based repayment. That is after paying my loans for over 10 years straight, even when I couldn't really afford to. Thank you >> >> Original Message ... >> >> >> >> Subject : Income-Driven Repayment plan >> >> Sent : XX/XX/XXXX XXXX >> > Message : Greetings, >> >> >> >> How much more payments would my account need for public services forgiveness and how much more for income-based repayment forgiveness? >> >> >> >> I know I was told I had to consolidated to get public service forgiveness ( which meant my previous 5 years from XX/XX/XXXX-XX/XX/XXXX may not be counted ) but I would like hard numbers so I could budget. >> >> >> >> Thank you, >> XXXX XXXX XXXX ( 24 minutes ago ) to me Thank you for contacting XXXX XXXX! Including the payment effective XX/XX/XXXX you have made a total of 29 payments on the Revised Pay As You Earn ( PAYE ) repayment plan. You have 211 payments remaining to be eligible for forgiveness under the PAYE repayment plan. Please use the " Contact Us '' link through your online account at XXXX to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 0 minutes ago ) to accountinfo Greetings, I'm a bit confused, and very concerned, because when I contacted about public loan forgiveness, I was told that I could not get it because my original loans were done with a type of loan that was not covered, and I needed to re-consolidate to get the public loan forgiveness, but that would not impact my income-based forgiveness. Your response seems to suggest that the over 7 years I was on an income-based repayment plan has been washed away, which was not what I was told, and could have impact my desire to re-consolidate. That is two separate times I was not informed fully or correctly about my loan choices and their consequences, which is extremely concerning. I should only have a little over 10 year left, not over 17! What recourse do I have?
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2018-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A