Date Received: 2018-11-08
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: In XXXX of 2018, the my Direct Stafford loans were transferred to XXXX XXXX because I submitted an employment certification for the Public Service Loan Forgiveness Program. I was informed that once my loans were transferred, it could take up to ninety days for XXXX XXXX to certify the number of qualifying payments I had made towards Public Service Loan Forgiveness. I did not hear anything within ninety days, and emailed XXXX XXXX in early XXXX asking for an update. After approximately three and a half weeks, I had not received a reply to my email, beyond a notification that it had been received, and so called XXXX XXXX. I was told in my conversation with a representative of XXXX XXXX that certain information required to certify my number of qualifying payments had not been received from my priorservicers. The representative was unable to tell me exactly what information had not been received, whether only some or all of the required information was missing, or provide me with any time frame for when this issue would be resolved. I need to understand XXXX XXXX 's position on the number of qualifying payments I have made towards Public Service Loan Forgiveness as soon as possible, so that I can address any problems XXXX identifies or any mistakes that XXXX makes in its calculations. XXXX XXXX is the Department of Education 's worst performing loan servicer, see https : //studentaid.ed.gov/XXXX # XXXX. It has not proven in the past that it is capable of effectively administering the Public Service Loan Forgiveness program. Experiences like mine -- where XXXX can not in a timely fashion provide basic information about the number of qualifying payments I have made, and therefore my eligibility for the program it is in charge of administering -- only serve to further undermine confidence in its abilities.
Company Response:
State: MA
Zip: 02215
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I currently owe over {$130000.00} in student loan debt, {$44000.00} of this debt is serviced by AES. I am currently 71 days past due with my loans with AES. I have called multiple times monthly asking for repayment options that will lower my current {$400.00} payment. One person told me that I was eligible for a reduced repayment plan for one of my loan packets, that would allow me to pay a lower payment for 1 year. I paid the {$50.00} payment to get that started, but was later told I did not qualify for it. Ive begged and pleaded with AES for options as I want to pay my loans, but I cant afford the monthly payment. I have three other loans companies to pay monthly. Ive written letters to AES for them to forward to the banks, but I was told that my request for longer loan terms was denied. This is depressing, as I feel I have no way out of this debt. Each time I call Im given the run around. I just paid a payment and it looks like it only took 20 days off, oppose to a full month. This is ridiculous
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have graduate loans serviced through XXXX that I took during the XXXX school year. I began repaying them shortly after graduation and deferred payments for one year after going through a divorce. At the time I set up my repayment plan, I made it very clear that I was employed as a XXXX XXXX XXXX and planned on applying for PSLF. " Standard '' repayment was listed as a qualifying option. They enrolled me in that plan and I paid ( and continue to pay ) {$400.00} per month toward that plan. I got nervous at one point after hearing horror stories from colleagues that they had been paying into the wrong plan - so I called to confirm my eligibility. In XXXX of XXXX, I called to confirm that since I was in a " standard '' repayment plan that I was eligible. I confirmed my employer, and my payment type and was assured that was making eligible payments. It was not until XXXX of XXXX, after having my employer certified that I was notified that I was, in fact, NOT enrolled in an eligible plan. AND that in order to be, I'd need to pay a minimum of an additional $ 200+ per month and start over. That is not financially possible for my family, nor is it acceptable that if I DID enroll in this plan, I would pay off my loan myself and have nothing left to forgive. This has a tremendous impact on my family. I'm employed as a XXXX XXXX XXXX, so I'm not sure how they are calculating the Pay As You Earn, but they clearly do not have any idea what XXXX XXXX XXXX make. Additionally, I sent numerous messages back and forth with customer service reps through their inbox feature, and now those messages are no longer on my account ( that function longer exists ). I'm obviously livid and worried that I will be responsible to what equates to roughly {$25000.00} that I planned to have forgiven.
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: XXXX has claimed on two separate occasions that their turn around for loan verification is 3-7 business days. After 4 calls and now a month of waiting, I still have not received my loan verification form for my employer. I need it because my employer, as part of my employment, pays for part of my monthly payments. They only pay for the months going forward after the paperwork is finished, therefore I am paying out of pocket for loan payments that my employer would have picked up had the paperwork been returned on a normal schedule.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I applied for the income based plan in XX/XX/2018. My application is still pending. I have spoken with over 10 different people whom are telling me something different each time I call. I have followed all the instructions given to me yet my application is still not approved. They told me to make a payment for at least {$5.00} in XX/XX/2018 and after then I should be fine. Well now I have a payment due for over {$500.00} which I can not afford. Now they are trying to offer me another courtesy forbearance stated by XXXX. I told her why should I have to keep adding more money to my account along with more interest and make things worser on me in the long run. These people play a lot of games and this just makes me sad or regret I ever went to school. I was told that this was my fault for filling out my application incorrectly. Something needs to happen but im not going to stop until someone hears my voice! Im reporting to everyone who will listen even if I have to contact a lawyer, mayor etc.
Company Response:
State: GA
Zip: 31792
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/2018 was told that idr plan would better match the amount needed to match the interest accruing. Due to maternity leave my income had drastically cut my payment on paye, and I wanted the payment requested to match amount paid for tax purposes. I switched plans and requested not to have a forbearance, and to pay as scheduled. XXXX came and no payment was billed or taken out. I called repeatedly to get this fixed so I could pay. I was told that i couldn't pay unless they took the forbearance off ( which I never asked for, and requested against ). They took it off so I could pay, compounding my interest without my awareness. In XXXX I noticed, and called often, trying to determine why this even occured. I was told in XXXX they could take the forbearance off, which would get rid of the fee. They took the forbearance off, leaving the fee. I called for 2 months waiting for this to be fixed, and was told that they would not be refunding my account although I never asked for the forbearance to begin with.
Company Response:
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My complaint is regarding the Public Sevice Loan Forgiveness program servicer, Fed Loan Servicing at XXXX ( PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY ). I have been attempting to go through the PSLF process since XX/XX/2017 after making 10 years of on-time payments while employed with a qualifying employer. Because of the whole " qualifying payments '' misinformation, I was directed to the Temporary Expanded PSLF. I was also denied for this process, again, because I was given bad information by XXXX XXXX XXXX. The entire PSLF process is just a rouse. They make the process purposefully cumbersome and purposefully provide bad information so that they can perpetually deny the applications they receive. It was easier for me to purchase my $ XXXX house than get through the PSLF process. This program never should have been given to a private servicing firm outside of the DOE, and of course, now that XXXX XXXX is in charge of it, nothing moves forward to help student borrowers.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX, my DIRECT loans were transferred over to XXXX XXXX XXXX and from the very beginning I started having problems with them, mainly that they kept changing the terms of my loans without my consent or notification. I went round and round with them on this and finally had to enlist the help of the Dept of Education 's Ombudsman 's office for assistance. They told me the only way to get out from under XXXX XXXX was to re-consolidate my loans and request a different servicer. I told them I was interested in the PSLF program so they helped me fill out the paper work and get on the right repayment plan and pick a new services - XXXX XXXX Servicing. I began making payments on the new loan in XX/XX/XXXX ( the first payment of {$200.00} was made XX/XX/XXXX ). I made payments to them as directed and, in XX/XX/XXXX or XX/XX/XXXX, I received a letter from XXXX XXXX saying they were now going to service my loans as they were the only servicer for the PSLF program but to keep making payments to my current servicer ( XXXX XXXX ) until the account was fully transferred. Needless to say I was less than thrilled but kept making my payments as instructed. In XXXX I made my first payment directly to XXXX XXXX and have done so since then. When I filed my first certification of employment form ( I was told to do this often to ensure that my payments were being properly credited ) I received a letter back indicating a different number of qualifying loan payments. I called them immediately to fix the problem and we've been going round and round ever since ... Long story short, I began making payments on the PSLF qualifying repayment plan since XX/XX/XXXX but XXXX XXXX refuses to acknowledge the payments made in XXXX, XXXX and XX/XX/XXXX. The first payment they report on their site is XX/XX/XXXX, and continue to tell me that the payments made to XXXX XXXX prior to that are ineligible. I have bank records indicating that payments were made, and more importantly, payments were also made between XX/XX/XXXX to XX/XX/XXXX, but XXXX XXXX will not include those either. There are a whole bunch of other issues with XXXX XXXX that I've had over the past 4-5 years, but this is the most pressing one as of today. I've been trying since XXXX to get this issue fixed and it has been 4 years with no resolution. Please help me get this resolved ...
Company Response:
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-05
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XXXX XXXX reported negatively on my credit report even though I believed to be enrolled in income based repayment since XX/XX/2018. I was never given any payment amount so I assumed it to be XXXX. I would like all poor XXXX XXXX reports since XX/XX/2018 removed from my credit score as soon as possible.
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I submitted an application for a loan discharge and was denied. I Received documents stating that I withdrew from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, NY XXXX on XX/XX/1989. As I stated I never lived in NY or attended a school by the name of XXXX XXXX XXXX in NY. The school I did attend was a free program and closed while I was attending. I requested for any and all documents pertaining to this loan under the FOIA and received 110 pages including a borrower 's rights letter and 1 page from a promissory note. Copies of this voided promissory note were sent to CFPB account numbers XXXX-XXXX, XXXX- XXXX and XXXX-XXXX. Also, Ms. XXXX XXXX from the State of IL. Attorney General Office file number XXXX and the credit bureaus. By law, a promissory note is voided if it has been altered or incorrectly written. This Promissory note does not contains all the legal detail which must include interest rate, the full amount of the loan, and payment frequency. In this Promissory note, theres only section E and F and state about a page 4, the other pages that state paragraph 1 through 17 have been added also, the pages are not number. I disputed with the credit bureau and it has been removed
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2018-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A