Date Received: 2018-11-01
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On XX/XX/XXXX I disputed the inaccurate date of deliquency with XXXX and this company responded on XX/XX/XXXX with no correction of the information provided to the credit bureau. I have emails stating the first date of deliquency for loans sequence XXXX,XXXX,XXXX,XXXX was XX/XX/XXXX and XX/XX/XXXX prior to me filing a Chapter XXXX bankruptcy in which these loans were included. I spoke to the company and they stated they sent a request to the owner of the loans and hadn't received a response however AES still reported inaccurate information to XXXX that is negatively and inaccurately reporting on my credit report. AES also sent me information on XX/XX/XXXX showing the current loan status for each loan and it states " claim paid '' but this is not what is showing on my credit report as of date. These loans are beyond the 7 year reporting period, no payments have ever been made by me for any loan. I dont have a contract with AES and never have held a contract with them regarding these loans. My credit report payment history legend is incomplete and missing payment data.
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have applied for the Public Service Loan Forgiveness program with regard to my student loan. In XX/XX/XXXX I called to check on the status. They said that I was paid ahead and that I was not eligible. They did fix this. They then proceeded to tell me that within 90 days, I would be able to see the status of my qualifying payments that are applied to the PSLF program ( to have your loan forgiven there are stipulations, along with 120 payments ). After 80 days I called, they told me it hadn't been 90. After over 100 days I called, they still didn't have the information, I called again recently and they still didn't have the information. Its been over 200 days since the initial inquiry. Before XXXX took the loan over from XXXX, I had applied for PSLF ... all in all, its probably been over a year since anything has been reported to me. Recently I sent in my recertification of employment, however, this is not required to be done ... just a good idea. In the end, I would like to know how many of my loan payments have qualified me since I have been making payments for almost 10 years now. I don't suspect I have made 120 qualifying payments quite yet, however, I know its far greater than 0, as it indicates.
Company Response:
State: MI
Zip: 48430
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My complaint is against XXXX XXXX. I have been provided repeated false information regarding the terms of my loan. I have attempted to hold their supervisors and customer services representatives accountable to stand by the information they are providing me as being factual and on four separate occasions I have been told conflicting and false information. I have perused the matter with the the XXXX XXXX ombudsmen to only be offered an apology. I have contacted the Department of Education and have a case pending. I need to take legal action to hold them accountable to the information they provide me as it involves years of repayment terms and tens of thousands of dollars. I have a paper trail, employee ID 's and records of all conversation in which I was given false information, and told I would receive documentation on company letter head describing the facts they were providing me. It never happened. It is completely unacceptable and I need to hold them accountable to the information I was provided.
Company Response:
State: CA
Zip: 90068
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The company continues to take actions on my account that make my payments ineligible to count towards PSLF. In the Spring of XX/XX/XXXXI called because despite my IDR plan application being processed and being given an amount to pay each month they had me owing XXXX dollars more than what I qualified for. I called several times each time being told they didn't have answers for me. My account was overdue for 5 months until I filed a report with CFPB. Most recently, in XX/XX/XXXX I called to have paid ahead status permanently removed from my account. In XX/XX/XXXX they put my account in paid ahead status 3 times each time I had to call and have it removed and that monthly payment didn't qualify towards the PSLF because of it. Again, in XX/XX/XXXX they have placed my account in paid ahead status and my payments have not counted towards PSLF. I have called several times this year to have the paid ahead status permanently removed to be told it has been removed and then each month it still showing up on my account.
Company Response:
State: AZ
Zip: 85546
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am enrolled on the route to public service loan forgiveness through XXXX XXXX XXXX. When I initially enrolled I had 63 payments counted from my 5 years of employment for 2 separate XXXX. I am absolutely certain my employers qualified as I was a XXXX XXXX employee. I am also absolutely certain my payments were under PSLF qualifying repayments using income based repayment. I was placed under " audit '' around XX/XX/2017to verify my payments. I have called numerous times over the past year and they keep telling me that the audit takes more time and they have no further information. This is unreasonable service to take so long to simply count my payments and not provide any further guidance.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loan is from a private lender called AES ( American Education Services ). I believe this company is operating fraudulently! If you search online you will find numerous complaints similar to mine. Because they are a private lender they claim they can do what they want. Heres the issue : I have an excellent credit score and make timely payments every month. In the past I was making extra payments. I occasionally get a letter from AES that says there are new terms to my loan repayment. Each time that letter is a recalculation of my balance and it keeps getting higher! It is impossible to ever pay off the loan because once you get close they recalculate and increase the total again. Ive been paying on this $ XXXX loan since XX/XX/2007 and have gotten these letters numerous times. Yesterday I received one and it shows that although I had the principal paid down to $ XXXX, they have recalculated and are adding fees and I now owe almost $ XXXX! This is fraud. I truly believe they are operating dishonestly and illegally. Im a hard working individual who pays every month and even was making extra payments on my loan. Im not asking to get my education for free or to not have to pay back my debt. Im happy to pay back my debt and interest however what this company is doing is wrong. This is something that needs to be stopped! Help!
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/2018, I received an email from XXXX XXXX borrower ( who has been servicing my student loan for years ) that my loan had been transferred to XXXX XXXX. On XX/XX/XXXX I logged into XXXX XXXX for the first time to find that my XXXX Grant was converted to a loan. I also saw that XXXX account was past due and made a payment of XXXX but couldn't understand why it was so far past due. They called me to say that my loan was past due 80 days but I made a payment on XX/XX/XXXX to XXXX XXXX in the amount of XXXX. I then asked to speak with a representative from XXXX Grant department. I was told that they sent me an email to notify me that I should check my message box. I never received any email telling me to do that. They claim that they were sending it to my current email but I think if they really sent it and I never saw it they could have been sending it to my University address which I no longer have access. When the person on the phone checked to see what email address they had been sending it to, she said they would have sent it to the email on file but she never said that they actually sent it to my personal email. When I got anything to check my messages, I checked the messages of my XXXX XXXX who was servicing my loan at the time. But again, I never received any such emails form XXXX. I was then told that I was sent ONE mail notification and no phone calls. I never received that one piece of mail and they have not proof that I did receive it other than they sent it but that doesn't mean the mail was placed in my mailbox. I was told that the only way that they could reverse changing my loan back into a grant was if there was an error. There was an error and I can't see why they can't reverse it. In addition, I am still a XXXX XXXX and am now serving as an XXXX which is equivalent to a XXXX XXXX. This grant was proposed as an option to entice people to work in XXXX XXXX XXXX in XXXX XXXX. Now, I have to pay an additional XXXX a month for a problem with paperwork when I am fulfilling my requirements as a public servant. In addition, your website says " If you do not complete your XXXX service agreement, the amounts of the XXXX Grants you received will be converted to a Direct Unsubsidized Loan that you must repay with interest charges from the date of each XXXX Grant disbursement. '' I am completing my XXXX service agreement. It does not say if you do not receive or complete the certification process annually by a certain date you will have to repay with interest.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have spent over a year attempting to certify employment for PSLF. After submitting the form three times, and having my employer send a letter to XXXX, they continue to claim that my form is not complete and they can not certify my employment. I have contacted XXXX dozens of times in an attempt to resolve the problem, yet have not received appropriate assistance or a solution to my problem. It is unacceptable for a simple 2 page form to consume hours worth of my time because of a servicer 's inability to comply with student loan policies and procedures.
Company Response:
State: MA
Zip: 02048
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/18 I realized that I never received an email for my XX/XX/18 billing statement due XX/XX/18. I emailed XXXX XXXX and let them know that I did not receive my bill. They suggested that it may have gone to spam, which is weird because it never had in the few years I have been paying back my loan. It was not in spam. The next month, I again did not receive my billing statement via email ( the missing XX/XX/18 bill was noticed as missing XX/XX/18 ). I again emailed XXXX XXXX, who again suggested that it was probably in spam ( it was not ). I asked for a copy of the server log to prove that the emails from the last two months went out, and they refused to provide this information. I do not believe that they ever sent the billing statement to my email.
Company Response:
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I submitted my forgiveness application for PSLF to XXXX on XX/XX/XXXX. I received a denial on XX/XX/XXXX. XXXX had previously certified that I had 108 qualifying payments certified through XX/XX/XXXX. On my loan detail before I submitted my forgiveness application, my anticipated eligibility date was XX/XX/XXXX. Along with my forgiveness application, I submitted PSLF employer certification through XX/XX/XXXX, which would have brought my total number of qualifying payments to 121 total. I received a denial of PSLF forgiveness on XX/XX/XXXX. Although XXXX determined that my employment was qualifying and my payment plan was qualifying, they gave me credit for only 8 additional qualifying payments. My loan detail now shows 116 qualifying payments through the period of XX/XX/XXXX. XXXX offered no explanation of why my 4 or 5 other payments made between XX/XX/XXXX and XX/XX/XXXX failed to qualify. I was employed throughout the period by the same employer, working full time, and enrolled in autopay for my loan payments. I have now spoken to two XXXX supervisors who told me they can identify no basis for me being denied credit for all 13 payments I made between XX/XX/XXXX and XX/XX/XXXX. They have allegedly requested expedited processing from the PSLF reviewers but have told me there is nothing that can be done until the reviewers act. Last year XXXX failed to act on my employer certification to give me credit for the 108 qualifying payments until I filed a CFPB complaint.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A