Date Received: 2018-11-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have tried submitting disputes org XXXX about errors on my report but it does not save. If I try to start a new one it wont let me and says my information doesnt match there records even though I had previously started one without a problem. XXXX makes it extremely difficult to dispute an error. The score they give is dramatically different than other credit agencies. XXXX does not process applications or report current information to credit bureaus. It keeps increasing my balance for no reason and the account is deferred while I consolidate and change servicing companies. XXXX has thousands of complaints but no one will do anything about it.
Company Response:
State: UT
Zip: 84341
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have two loans managed by XXXX XXXX XXXX. During my divorce ( XX/XX/XXXX-XX/XX/XXXX ) I once was unable to maintain sufficient balance in my account to make my monthly payments ( XX/XX/XXXX). My loans were on autopay, and after three failed attempts to pay they cancelled my auto pay. I have since been able to make my payments, but XXXX XXXX XXXX refuses to allow me to resume auto pay for these loans. This results in late payments when I accidentally am not timely enough to recall to make these payments manually. I feel that their refusal to allow me to resume using autopay is a strategy to increase their fees and interest earned from loan holders whom they've identified as struggling to manage their debt burden.
Company Response:
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2018-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I had to refinance my XXXX loans through XXXX. I applied with the latter agency in XX/XX/XXXX. I sent a letter along with a paycheck stub showing my base monthly pay and requested that they calculate my monthly payment on this amount instead of my XXXX tax returns because I was able to acquire extra work throughout that year. However, it's not guaranteed income, and indeed, I've not been able to secure the same amount of extra work in XXXX, and will be making a lot less. In XX/XX/XXXX, XXXX sent information about my monthly payments ( in the amount of {$180.00} per month ), which were scheduled to began in XX/XX/XXXX. A week ( no more than 2 weeks ) before this first payment was due, XXXX sent a letter saying that my monthly payment had increased to {$240.00}. There was no real explanation. On XX/XX/XXXX, I called XXXX, and a customer service rep said that I didn't fill out the application correctly, so they based the payments on my XXXX tax return. I was advised to reapply. I have. However, I've been pushed back into forbearance. On XX/XX/XXXX, I called XXXX to make sure that I had indeed been put into forbearance ( and that they wouldn't report me for not making the XXXX payment ). The customer service representative who checked my account said that my monthly payment ( that had been scheduled for XXXX ) should be {$180.00}. I've since processed the reapplication, per the advisement from the XX/XX/XXXX call. It is accompanied by a letter from my employer that declares my base annual salary. Something very fishy is going on at XXXX, and given the unexplained, shifting of monthly payment amounts that come up every time I communicate with them, I believe that this complain is warranted. Please contact XXXX and ask them to send me information on how they have calculated the following monthly payments : {$180.00}, {$180.00}, and {$240.00}. Again, I've reapplied to have them calculate my monthly payments, but I'm doing so at a heavy cost, and it's not right.
Company Response:
State: NC
Zip: 27312
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Summary : XXXX denied my TEPSLF application based on a requirement of which I was never informed. XX/XX/XXXX : I apply for TEPSLF XX/XX/XXXX : I am informed via e-mail that I am being considered for TEPSLF. This is the last communication I receive until XX/XX/XXXX. I learned from the TEPSLF web page that anyone who applied in XXXX would be informed by XX/XX/XXXX. I was not informed of my status at all. On XX/XX/XXXX I e-mailed to inquire about the status of my application. On XX/XX/XXXX, after hearing absolutely nothing, I contacted XXXX by telephone. The poor young man I talked to, XXXX, had the misfortune of telling me that I had been rejected, because ONLY the payments I made since my XXXX loan consolidation counted toward TEPSLF. At no point in the process was I informed that consolidation played a factor here. I asked to speak to a manager, and was put on hold for a while, eventually transferred to XXXX. XXXX talked to me like a child, explaining again that none of the payments I made before XXXX would count. I interrupted her to say that the problem was that no one had informed me of this and that I wanted information on how to appeal. XXXX promised me that this information would be sent. Instead I received an automated e-mail almost immediately re-iterating my denial on the grounds that were never explained to me in the first place. Repeated e-mail requests for the appeal process procedures this week have led to nothing but being told I needed to call in. I have also filed a complaint with the Federal Student Loan Ombudsman Group. I don't mind paying my loans. In fact, I'm paid ahead until XX/XX/XXXX, that's how fiscally responsible I am. But don't tell me you're going to reward my public service, then keep moving the goal posts and treat me like an infant when I stand up for myself.
Company Response:
State: PA
Zip: 15217
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I needed to have my loan payment recalculated because of changes to my income. I explained to the customer service rep that I did not want any interruption in making qualifying monthly payments towards PSLF. They said if I had my paperwork in on time ( XXXX ), I would not see an interruption. I did this. The same day, I received a notice that my loan had gone into forbearance. This surprised me because I had not asked for a forbearance and had explicitly asked about making sure I was making monthly qualifying repayments. I called the next day XXXX and requested the forbearance be removed. I was told it would be removed as of yesterday XX/XX/XXXX. It was not. Today XX/XX/XXXX I called and was told it would take 2 weeks. They directed my call to someone who took no responsibility for the inaccurate information and was not able to make any changes to keep up with the commitments that customer service reps had repeatedly made to me. They did not even make an empty promise to follow up with those reps to ensure they give other customers accurate information. As a result of this misinformation, a routine request for repayment recalculation has resulted in a month delay for when I will be able to file for PSLF. The final person I spoke to said I should consider it a privilege to work in public service and was minimizing the impact this had on me. I'm happy to provide my account number or any other details that would be helpful.
Company Response:
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have 2 loans ( 1 subsidized & 1 not ) totaling approximately {$50000.00} with Goal but served by AES. The loan started in XX/XX/XXXX with a fixed rate of 6.625 % and 25 year term. For approximately the past 13 years I have been paying a {$300.00} monthly payment calculated and approved by the lender. In XX/XX/XXXX, the lender increased my monthly payment by approximately 40 % to {$500.00}. I was advised that the lender miscalculated the monthly payment. These loans have never been in deferment or forbearance. Additionally, I have been paying primarily interest only on the balance that has barely decreased.
Company Response:
State: CT
Zip: 06405
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My XXXX XXXX accounts for the school that I attended back in XX/XX/XXXX in the amount of {$2500.00} & {$3500.00} for XXXX XXXX XXXX XXXX, XXXX XXXX, CA ended up being sent to U.S. Department of Education collections department due to supposed DEFAULT. I have all my statements supporting that I have been in good standings with my federal loans. I have talked to XXXX XXXX associates XX/XX/XXXX & XX/XX/XXXX and yet they have not attempted to reach out to U.S Department of Education to inform them that my Lone needs to ben Referred back to XXXX XXXX. I actually have a letter from XXXX XXXX stating that my two loans XX/XX/XXXX have been discharged on the basis of false certification from the school that I attended. I am no longer obligated to make payments on lones. But yet my account was sent to U.S Department of Education even tho my account was in good standings. As far as I know somehow XXXX XXXX staff made a major mistake and they should fix it, my credit has been impacted due to them over looking Important details on my accounts. Staff maid a huge mistake on my XXXX account.
Company Response:
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Previously my loans were at XXXX. In XX/XX/2017, when I became eligible for the PSLFP, I called XXXX XXXX to understand the requirements of the program. At that time I was told my loans would qualify but I would need to request to move my loans to XXXX in order for them to process my application. I did exactly that and when my loan was transferred, XXXX increased my interest rate. On top of that, my employer ( non-profit ) had many difficulties submitting their portion of my application. After several attempts, we were able to get their information though, only for me to then be denied because my loans didn't meet the repayment plan requirements. I was more than upset at the time since I had gone through the trouble of moving my loans and then experiencing an interest rate increase. Following that, I became separated from my husband and we were working through a mediator on the details of the divorce. I decided to engage family to help me pay off my student loan in full because I was led to believe differently at this time that I would never have my loans forgiven as I would need to choose a new repayment plan and then make 120 payments which would actually be beyond me paying the loan in full. Early this year, just months after I paid the loan off ( XX/XX/XXXX ) legislation was passed to expand the program on a temporary basis. Upset, I called XXXX again and they stated that to be evaluated for the TPSLFP, I would have to have my loan refunded and resubmit again since I currently had no loans with them again. So, they contacted the department of education to refund my loan. I am told I was issued a refund ( still have not received it ) and they restarted my loan PLUS charged me interest for the time the loan was paid off. Now I owe ~ {$270.00} in accrued interest in a loan that didn't exist at the time since it was paid off in FULL already.
Company Response:
State: MN
Zip: 55449
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: 1 ) XXXX XXXX ( current provider ) Complaint 1 : I have been trying to get my loan payments qualified for the service loan forgiveness program past 3 years. I have worked for an XXXX XXXX from XX/XX/XXXX ( since XXXX school graduation ) to currently, and I have made no progress, spending hours of time that I dont have on the phone spending over 20 hours on the phone w different operators. These operators keep giving me different information to resolve issue but when I call back due to denial or just bc I have heard nothing for months, there has been NO change. They have my payslip, employer verification and W. They refuse to approve all of my payments due to transitioning from paid training fellowship physician to practicing attending physicians where the tax id number 's change since I am paid from different pockets of the same academic institution at the University of XXXX. Complaint 2 I have requested payment history from XXXX and XXXX XXXX through XXXXmy loan payment information, and that this information should be obtained by my servicer. XXXX and XXXX XXXX ( ACS XXXX ) - I have requested 3 times for my student loan payment history so that I can prove that I have made payments to qualify for loan forgivenentss. I have requested my payment history through XXXX XXXX ( current servicer ) 2 times and independently by requesting it directly to each of them. I have received no payment history in the mail. As a result I have no proof of payments that I have made since XX/XX/XXXX to 1 ) count toward Loan Forgivement Payment Plan and 2 ) qualify for interest forgiveness program. XXXX : I was disqualified for the interest forgive program because my loans from Direct Loans ( currently ACS ) was changed to XXXX. I was provided no notice in written manner or via telephone. I was working about XXXX hours per week taking care of patients in XXXX. I was contacted by collection agency via phone who informed me that I was delinquent. This is how I found out that XXXX was my new provider. I made several phone calls and there was not a SINGLE person who informed me of the implications of interest on my student loans being capitalized versus forgiven due to this late payment. My interest was therefore NOT forgiven and interest capitalized in addition to the principle because I was FORCED into taking a forebearance. I did not even know that I was disqualified of this program with ballooned interest as a result of this mishap in which there was NO communication or notice given to me that my loan provider had been changed. employment XXXX : XX/XX/XXXX to XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX to present - University of XXXX ( XX/XX/XXXX-XX/XX/XXXX General Medical Education/ XX/XX/XXXX to present XXXX Hospital )
Company Response:
State: WA
Zip: 98199
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My complaint is about XXXX 's handling of counting my qualifying payments toward the Public Service Loan Forgiveness Program ( PSLF ). After finishing XXXX school in XXXX I had consolidated all of my loans as a Direct Consolidation Loan. I have been on the Income-Based Repayment Plan ( IBR ) since my repayment started in XXXX, and have been working at a PSLF-qualifying employer the entire time. I first learned about the PSLF in XX/XX/XXXX. I certified my employment that same month and I was transferred from XXXX to XXXX, with that process finalized in the spring of XXXX. When I was in school I took both subsidized and unsubsidized loans. As such, my total consolidated loan balance is always split up on my bill into two balances : Direct Subsidized Consolidation Loan ( DLSCNS ) and Direct Unsubsidized Consolidation Loan ( DLUCNS ). Each bill breaks down the current due for each of these, and the sum of these is the " total due '' printed on my bill. I pay this exact amount each month, on time. I was surprised to see my qualifying payments ( as determined by XXXX ) differ between my subsidized and unsubsidized loans. It showed 19 qualifying payments for the subsidized portion ( which at that point in time was about right by my estimation ), but only 2 for the unsubsidized portion. This made no sense to me as I have been paying on both loans for the exact same amount of time, as part of the same bill. I called XXXX and told it was probably a " computer glitch '' and they would look into it, and to expect a correction within a few months ( this did not occur ). Fast forward to one year later ( XX/XX/XXXX ) and I once again recertified my employment for PSLF. I was hoping that the " glitch '' from last year would be corrected upon recertification. However, when I received a document showing an updated number of my qualifying payments, it was still not corrected properly. It now shows 31 for the subsidized portion, which I believe to be correct ( 19 last year +12, makes sense ). However, for the unsubsidized loan, it says I've only made 11 qualifying payments to date. Even if last year 's number of 2 was a " glitch '' that was not corrected, then after making payments for another year I would at least expect this number to now be 14 ( 2+12 ). How could they give me credit for 12 months of qualifying payments for one and only 9 on the other?! Again I reiterate that I always pay them at the same time, as part of the same bill! Upon receiving this updated payment count, I called XXXX customer service again. Even though they admitted that they could see on their screen that some payments had mistakenly not been counted, I was told my account would need to be formally reviewed for this to be corrected. I have waited VERY patiently, but no correction has occurred in the several months since I made this call. I called again this past week and was told the review was ongoing, and could take several more months. It has now been nearly two years and multiple phone calls with no resolution. At this point I have no faith that this mistake will actually be corrected without intervention from the CFPB, which was recommended to me by someone who had a similar experience with XXXX and had it resolved. Please help!
Company Response:
State: OR
Zip: 97140
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A