Date Received: 2018-10-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2018 I applied to have six loans I had with XXXX XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX but they did nothing but remark my account.
Company Response:
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2018-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This is in response to XXXX XXXX pathetic attempt at dealing with my complaint. their response to my cfpb complaint is a true example of exactly how inept this company is. They didn't response to even a single complaint I have. Their response is useless so I will try again until they actually do something. I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response. The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!! I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner. XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service. I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.
Company Response:
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Hello, I need some one to send me a letter as well as XXXX, and XXXX to help me with a dispute. I need the letter to say that I have no Current open accounts or late payments due because my account is in forbearance. They keep reporting that I ave open accounts and I don't at the moment. pleas help me!!!
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Graduated XXXX and began repayment in what I was told was an eligible repayment program for public service loan forgiveness. I've been full time employed in XXXX XXXX for XXXX years - all during the time of loan repayment. Made payments monthly and on time as required. Recently applied in XX/XX/XXXX at the end of my 120 payments and was denied due to being enrolled in the wrong payment plan. I understand this is a common complaint. Looking for advice for those who entered into these programs with the understanding we were doing what we were supposed to only to be denied after 120 payments, 10 years of being misled or misinformed. I appreciate your consideration and advice.
Company Response:
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am participating in the 10-year public service loan forgiveness program. My servicer is XXXX XXXX. I believe XXXX XXXX incorrectly calculated my qualifying months of service, and shorted me by 6 months. I submitted a request for review on XX/XX/2018. I was verbally told by a customer service representative that the timeline for response was 60-90 days. I called in late XX/XX/2018, and was told my request for review had not been processed, and that I could call back in two months and a response would likely be available then. I called yesterday, and spoke with a rep named XXXX. He told me that not only was a response not available, he could not provide me with a timeline for receipt of a response. I asked if there were any ombudsman or advocates anywhere at any organization to help people in my situation. XXXX told me he was unaware of anyone to help me. I do not think it is reasonable that the time to respond to a dispute is unlimited/unknowable. This also means that I may end up making more payments than the necessary qualifying number of 120 for loan forgiveness, and also delay eventual forgiveness of the loan. XXXX may have a valid reason for not crediting me for the 6 months that I believe qualify, but it is not reasonable to fail to respond to my request for an explanation for 8 months, and to not be able to provide me for a timeline for receipt of a response. Please note that I have moved and the address on the attached letter is no longer valid.
Company Response:
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I did submit the complaint on XX/XX/18 and I want to follow up with it. Because I received response from PHEAA I do not agree with it because it is incorrect information. However I have document ( emails conversation ) be attached.
Company Response:
State: MA
Zip: 01824
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XXXX XXXX refuses to update my PSLF count. The most recent time they updated it was up through XXXX of XXXX ( 16 months ago ). They only did this because I filed a CFPB request in XXXX of XXXX, which you were able to solve the issue for me ( thank you! ). At the time, they updated my PSLF count to 40, which is correct as of XXXX of XXXX, and provided you with a word document showing each month 's payments. They certified my PSLF approved employment in XXXX of XXXX for the year between XX/XX/XXXX through the date submitted ( XX/XX/XXXX ). However, 5 months later, they have still refused to add those months of PSLF payments to my total. The total on the website still says 40, which is more than a year out of date. They certified my current employer 5 months ago, but are refusing to add the months of payments to the total. I have emailed them MANY MANY times. Each time, they tell me it can take " up to 90 days ''. We are well past 90 days. They always send me the same Copy/Paste reply, verbatim. Please help! Thanks,
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am writing this email to express my profound discontent with how XXXX XXXX XXXX is handling the public service loan forgiveness program. Today ( XX/XX/XXXX ) I was informed that I do not qualify for PSLF because my loans are FFELP loans. This information was provided to me after calling in because I received a vague notice informing me that my employment certification was denied, without the reason why. Today was the 6 time this year that I called XXXX XXXX XXXX regarding PSLF. Years ago I had also contacted them regarding PSLF and I was never told that my loans were FFELP loans. Additionally, my loan servicer AES never told me that my loans are FFELP loans even after I called them to be placed on an income driven repayment plan for PSLF years ago. Furthermore, under the loan detail section of their website for my loans it does NOT say the type of loan that I have, whether direct or FFELP. Instead of the information of the loan type being available on the website, what is available is the loan program ( Subsized consolidation loan ). The representative from XXXX XXXX XXXX said that I would have to consolidate my loans which would have be eligible since XX/XX/XXXX if it weren't for their loan type and the fact that eventhough I called in several times over the years to both XXXX XXXX XXXX and AES I was never told my loan type of FFELP did not qualify. My plan was to apply for the Temporary expanded public service loan forgiveness since I had been on the graduate extended repayment plan for the majority of my loan payment and 2 years on the standard plan. I find it unfair and unjust to not have my employment certification form denied only because of the loan type, especially when it can be converted into a direct loan by consolidation. The problem here is that consolidation erases the 10 years of payments.
Company Response:
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been working to get the following issues taken care of my with loans since XX/XX/XXXX. - Get loan payments made in XX/XX/XXXX, XX/XX/XXXXXXXX and XX/XX/XXXX counted towards my PUBLIC SERVICE LOAN FORGIVENESS program participation retroactively. ( Paper work submitted for this. ) - Get a " REVISED PAY AS YOU EARN '' INCOME DRIVEN REPAYMENT ( IDR ) plan applied towards my account and applied to loans scheduled to come out of the grade period in XX/XX/XXXX. - Have existing loans taken out of " administrative forbearance '' so that I MAY BEGIN PAYING immediately with these LOAN PAYMENTS CALCULATED UNDER THE REVISED PAY AS YOU EARN IDE. XXXX XXXX XXXX claims they " have don't have an idea '' of how long it will take to process my " In school waiver '' form to get the payments for XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX counted.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/XXXX Consumer Financial Protection Bureau Complaint Department XXXX. XXXX XXXX XXXX, IA XXXX XXXX : Unresolved Credit Dispute with XXXX XXXX XXXX Dear Sir or Madam : My name is XXXX XXXX and I am writing to you about a negligent credit reporting error made by XXXX XXXX XXXX that remains unresolved and has negatively impacted my completing my education and my career. In XX/XX/XXXX I submitted an application for an Income Based Repayment Plan to XXXX XXXX my Federal Loan Servicer. XX/XX/XXXX my application was approved for a $ 0 monthly payment to begin XX/XX/XXXX, that payment was good for 12 months as the document attached will confirm. XX/XX/XXXX I submitted a PSLF ( Public Service Loan Forgiveness ) Application to XXXX XXXX XXXX as they are the designated service provider for this program. My loans were to be transferred to XXXX XXXX XXXX with the {$0.00} payment that I was currently scheduled for. In XX/XX/XXXX I learned that my credit score had gone down and XXXX XXXX XXXX has reported me negatively to the credit reporting bureaus for {$0.00}. I had just been accepted to XXXX XXXX and due to this I could not receive any FASFA funding and had to drop my classes this semester. Per my conversation with XXXX at XXXX XXXX XXXX XX/XX/XXXX I was told that when they received the loans from XXXX XXXX there was a past due amount of {$0.00} so they reported me to credit. However, during my call with XXXX at XXXX XXXX she stated my account was in good standing with no past due balance at the time the loans were transferred and a payment of {$0.00} is not even possible. XX/XX/XXXX I had a three way call with XXXX ID # XXXX at XXXX XXXX and XXXX ID # XXXX at XXXX XXXX XXXX to address this error. I was advised by XXXX XXXX XXXX to submit a Credit Dispute and supporting documentation and they would have to correct their mistake by 30 days from the day my Credit Dispute was submitted which I did the same day through my on-line XXXX XXXX XXXX account. XX/XX/XXXX I uploaded my proof from XXXX XXXX dated XX/XX/XXXX to my XXXX XXXX XXXX on-line account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I called XXXX XXXX XXXX and spoke with XXXX who confirmed they have received both of my documents and my file was being reviewed to address their error. I was told to follow up XX/XX/XXXX for an update. XX/XX/XXXX per my conversation with XXXX ID # XXXX at XXXX XXXX XXXX I was told the file review was still in process but not to worry the documentation provided by XXXX XXXX was exactly what they needed to correct the issue and she advised me to follow up XX/XX/XXXX that it would be done by then. XX/XX/XXXX I checked my XXXX XXXX XXXX on-line account and found a letter in my in box dated XX/XX/XXXX stating that they needed more information and I needed to submit a Credit Dispute Form. I spoke with XXXX ID # XXXX at XXXX XXXX he confirmed they already had the form and he advised me that the Credit Reporting Dispute was not completed yet and he agreed by the Fair Credit Reporting Act they needed to complete it that day. I requested proof in writing that the issue had been resolved via email and he told me to follow up again XX/XX/XXXX. XX/XX/XXXX I spoke with XXXX ID # XXXX at XXXX XXXX and he stated they only started the review of my dispute XX/XX/XXXX and that they should never have reported anything under {$5.00} negatively to credit and that the review would be done by XX/XX/XXXX. Today, XX/XX/XXXX I checked my XXXX XXXX XXXX on-line account and found a letter in my in box dated XX/XX/XXXX stating that they needed more information and I needed to submit a Credit Dispute Form. A copy of this document is attached. I am trying to start school XX/XX/XXXX to be an XXXX Nurse but if this matter is not resolved I will not be able to obtain funding. I am so frustrated by this ordeal and I can not seem to get anyone at XXXX XXXX to address the issue. I did not know what else to do but contact you in the hopes that you might be able to assist me in this matter. I have attached all of the supporting documentation I have referenced to support my position and I am respectfully requesting your help. Thank you in advance. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: LA
Zip: 714XX
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A