Date Received: 2018-10-11
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Multi attempts to summit PEERS which get rejected for one reason or another. Since switching over for teacher forgiveness, I have not idea how many qualifying payments I have made. I consolidated my loans in XXXX of 2011.
Company Response:
State: OR
Zip: 97756
Submitted Via: Web
Date Sent: 2018-10-22
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: Received bad information about your loan
Consumer Complaint: I consolidated a parent plus loan and a personal student loan on XX/XX/XXXX. I filed to pay by PSLF. Since that time I have made exactly 24 payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also happen to be in school currently. Twice this loan was placed in deferment without my request - it was done automatically because they saw I was in school. Both times I called and said I do NOT want it in deferment, as I am XXXX, and want/need it paid by age XXXX. It took them forever to mail the document for me to sign a waiver. I immediately faxed back both times. It took forever to take the deferment off both times. I called multiple times and was told BY XXXX XXXX XXXX that I may continue to make my payment. It would still count toward my PSLF. I did that. There should be some sort of records that I called. According to them, I have made 12 payments. I requested a review on XX/XX/XXXX. Said it was correct. Requested a review on XX/XX/XXXX. I have called. As of XX/XX/XXXX I was told it may take 6 months, and " ma'am I need to be patient ''. I still haven't heard anything back and it has been 6 months. I am not trying to get out of paying this loan. I just need the payments I have made to count toward my 10 years!!!!!!! I did just what THEY told me to do!!!! I would have NEVER EVER EVER made those huge payments if I had thought they would not count toward my PSLF. Someone THERE told me they would count. I can not get anyone to listen. These payments are more than my house payment. I am single with a child at home with no other support. All I am asking is that my payments be counted toward PSLF as I was told. I certainly did not pay an entire extra year 's worth of payments to not go towards anything. I can not get anyone to listen. I have called, I have filled out requests, I have tried email and no one responds. Please please help me to at least get these payments to not be looked at as " overpayments '' as they are saying. ( when I owed XXXX for those months and I paid, they are saying I overpaid, and overpayment doesn't count toward PSLF ). Please please help with this.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2018-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: My obligatory student loan servicer, XXXX XXXX, has once again, for third straight year in a row, refused to certify my employment eligibility for the Public Service Loan Forgiveness ( PSLF ) program based on alleged and non-existent errors in my annual paperwork. This is the second consecutive complaint I've submitted to the CFPB on this exact same set of facts ( ref : XXXX ). At this point, it is starting to seem like either gross incompetence or intentional obstruction of access to these benefits, and I would like the XXXX to investigate. I also note that XXXX XXXX does not have an a customer complaint process that reports back results to the customer ( " it's an internal matter, '' according to the representative I spoke to, XXXX ( XXXX ID XXXX ) ) so CFPB is the only recourse available, and the only way I have obtained any remedy in the past. To briefly recap the now all too familiar facts ... each year I submit an Employment Certification Form ( attached ) as recommended to record my progress of making the XXXX qualifying payments needed to have the balance of my loan forgiven. Each of the last three years, XXXX XXXX rejects my certification, claiming some sort of nonsensical error in the dates of my employment. This year it was that my employment end date preceded my employment start date ( see attached letter ), which is ludicrous since I have no employment end date as I am still working at the same employer I've been at for the last four years. I called XXXX XXXX to rectify this and all I get is an unaccountable runaround and an assurance that they will reevaluate my paperwork and look into the problem. While I certainly want their processing error here corrected, I also want this to stop happening, and I worry what this pattern of incidents portends for the day I actually apply to have my loans forgiven. As has been widely reported in the news, quite a few borrowers have been surprised by XXXX 's XXXX hour revelations that their loans are suddenly not eligible for forgiveness and I do not want to be one of those cautionary tales. I implore you to take a hard look at XXXX 's internal policies, procedures, and training around how its customer 's access the PSLF program. Based on my experience, it seems that they put more effort into obstructing access than facilitating it. We have no choice in who services our student loans and have no way of compelling them to act in our best interests, so the CFPB is our first and last line of defense against this monopolistic entity. Please hold them accountable to their customers.
Company Response:
State: CO
Zip: 80210
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello, I hope this email finds you all well. I have been attempting to get some help since XXXX of XXXX after doing some research online to see if anyone else has been experiencing unfair practices via XXXX. My experience is with the Pennsylvania Higher Education Assistance Agency ( PHEAA ) directly. As you can see from the following class action lawsuit filed in XX/XX/XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, which does business as XXXX XXXX and American Education Services ( AES ), attempted to delay debtors ' loan forgiveness in order to continue collecting interest and fees. I have had my loans serviced by both AES and now XXXX in the last decade ( since completing XXXX XXXX in XXXX ). The suit poses that helping these borrowers get out of debt sooner directly conflicts with PHEAAs financial interest in collecting interest and servicing fees on active loans. The lawsuit argues ( and what my exact experience has been ) is that PHEAA has orchestrated a scheme to extend the length of debtors loans, and therefore earn more revenue, by improperly delaying or failing to process their applications to forgiveness programs and incorrectly placing their loans into forbearance or deferment status. Debtors are told NOT TO PAY while their account is being processed ( which happens annually as XXXX mandates that borrowers complete annual recertification for their Income Driven Repayment plans ). This includes lengthy processing times and insufficient information from their servicers to meet recertification deadlines ; overpayments being misapplied such that, instead of reducing the principal balance of the loan, the payment was applied to future balances and placed the loan in paid ahead status. Why does my current statement need to say : Your account is current {$0.00} due You will be alerted when your next payment is ready? This is sooo tricky! They hope I wont pay so that I NEVER GET TO 120 QUALIFIED PAYMENTS. My current balance and outstanding interest continues to grow, they arent telling me what my minimum payment should be, and all I can do is pay what my last amount was. A note on paying ahead from their website : Paying on an Income-Driven Repayment ( IDR ) Plan You can not pay ahead past your IDR anniversary or recertification date. Any extra funds remaining at the time of your IDR anniversary or recertification deadline will be immediately applied to your loans ( not to a future bill ), and your paid ahead status will end. However, you still have the option of paying extra, and you can enter paid ahead status again, through your next IDR anniversary or recertification. So, basically I have to just wait for them to process my recertification before I can make payments that count towards my 120 qualified payments. And ofcourse I just noticed this webpage about paying ahead when writing this email to you ( it must be a new one they recently added ), and it says : Considering Public Service Loan Forgiveness ( PSLF ) Paying ahead while seeking PSLF can adversely affect your qualifying payment count. If you pay extra and enter a paid ahead status while seeking PSLF, any future bills that you satisfy may not immediately count as qualifying payments. If you want to pay more than your required monthly payment, please contact us and request to have paid ahead status permanently removed. Ive had a terrible ordeal with AES and then XXXX since XX/XX/XXXX, have sent them emails and called them to try to get my miscalculated payments resolved since XX/XX/XXXX, and have still not heard back. I finally got someone on the phone to tell me in a whisper, just keep making the same payment amount every month, even if it says you are all paid up and it doesnt tell you what your payment is, that way you stay on track towards your 120 payments. ( Now I see that I have to request to have the paid ahead status permanently removed. ) I had no idea if he was even being honest or correct, but it seemed like the better alternative to not paying, and being put on automatic Forbearance while I took additional XXXX classes for professional development, or while my account was being recertified. It seems like for the last 10 years, every time Ive called, I would get a different answer from whoever I talked to and whenever anything has changed, they have not notified their debtors. Below are the emails I sent to XXXX in XX/XX/XXXX. I think what is most important to note and what seems the craziest to me is that from what I could see every few years, my account was put in forebarence and my loan increased by thousands of dollars. In XX/XX/XXXX interest capitalized by {$3800.00}. In XX/XX/XXXX interest again capitalized by {$8000.00} because I was under the impression that I was on Auto Payment., but was actually just removed from it by XXXX ( unknowingly ) and when they werent receiving payments from me, they capitalized my interest. XX/XX/XXXX Hello, I have been having lots of issues with my student loans and was hoping to speak with a Public Service Loan Forgiveness Specialist as soon as possible to help clarify these issues. My number is XXXX. The issues that I would like to talk about are below : In general my employment certification says that Ive made 81 qualifying payments since my Loan Disbursement Date of XX/XX/XXXX ( calculated until XX/XX/XXXX ), though I am calculating a total of 88 qualifying payments. That is a miscalculation of 7 qualifying payments. During my first employment certification ( XX/XX/XXXX XX/XX/XXXX ) there is a total of 1 issue that needs to be remedied. ( 1 ) 39 payments were calculated. I payed a total of 40 payments during that time. Therefore, there is a discrepancy of 1 total payment. I paid every month from XX/XX/XXXX XX/XX/XXXX and also paid on XX/XX/XXXX, for a total of 40 payments. The only payment I did not make was XX/XX/XXXX payment because I was told not to pay anything while my IBR was being recalculated ( no bill was due ). I have no record of whether or not my interest itemized at this time as my loan was transferred after this time and I have no access to the records from the former financial institution. Date Payment Made Amount of Payment Made XX/XX/XXXX {$63.00} XX/XX/XXXX was told no payment due during IBR recertification XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$330.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} During my second employment certification ( XX/XX/XXXX XX/XX/XXXX ) there is a total of 1 issue that needs to be clarified for me. ( 1 ) 23 payments were calculated and this is correct, as I paid a total of 23 payments during that time. Though I just noticed when looking back at all of it after asking for all the paperwork, that when I was put on forbearance, while my IBR was being recalculated ( for instance in XX/XX/XXXX while I was told to not pay anything toward my loan, and my was not sent a bill ) my interest capitalized by {$3800.00}!!! Why would this have happened, and why would no one have told me that this would happen? Had I known that this would happen, I would have continued to pay Ive always been incredibly responsible and loyal to my payments, and totally feel like Ive been completely sideswiped. Date Payment Made Amount of Payment Made XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX INTEREST CAPITALIZED {$3800.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} During my third employment certification ( XX/XX/XXXX XX/XX/XXXX ) there were no issues. 14 payments were calculated and this is correct, as I paid a total of 14 payments during that time. During my fourth employment certification ( XX/XX/XXXX XX/XX/XXXX ) there were 4 total issue that need to be remedied and/or clarified. ( 1 ) 5 payments were calculated by XXXX XXXX and this is incorrect, as I paid a total of 11 payments during that time. Therefore, there is a discrepancy of 6 total payments. ( 2 ) I was on Auto Payment from XX/XX/XXXX - XX/XX/XXXX, and while I was on Auto Pay, there was an extra payment taken out in XX/XX/XXXX. That payment should have also counted toward my qualifying payments ( and should be part of the total 11 payments ). ( 3 ) This is just a note about how unfair I think this whole thing is : The ONLY reason I was not paying my loans from XX/XX/XXXX XX/XX/XXXX was because I was under the impression that I was on Auto Payment. I had just recently had twins ( in XXXX ) and was under lots of stress and was concerned that I would miss my payments, so I did the RESPONSIBLE thing and put myself on Auto Pay. After a few months, I realized that payments were not coming out of my bank account ( Auto Pay just STOPPED ), because I needed to complete paperwork to calculate my IBR. I wasnt paying attention to the XXXX XXXX emails because I was so overloaded that I couldnt get through everything in my inbox ( and when I saw emails from XXXX XXXX I assumed they were emails confirming Auto Pay as before, so I didnt pay much attention ). Again, this hit me like a TON OF BRICKS. As soon as I realized what was happening, I rectified the situation, but it was too late again I was hit with over {$8000.00} in interest capitalization! ( 4 ) How is anyone supposed to get out of student debt in this process? Ive been paying for a decade and my loan amount has INCREASED by {$12000.00} and thats only in the last 5 years! As I mentioned before, I cant get records from the former institution that held my loans right now, so I have no idea what happened before they got moved to XXXX XXXX. ( 5 ) Date Payment Made Amount of Payment Made XX/XX/XXXX {$290.00} XX/XX/XXXX INTEREST CAPITALIZED {$8000.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$120.00} I would really appreciate speaking with someone who could ( 1 ) help me get my qualified payments up to 88 ( 7 additional ) ( 2 ) help me lower my monthly payments as part of the reason the payments are so high is because I keep getting hit with the interest capitalization because I keep being told not to pay. This past time when I called XXXX XXXX ( yesterday ), after being put on forbearance because I am taking classes again, and I asked to be taken off forbearance, I asked if I could keep paying even though my bill said {$0.00} was due, and this was the FIRST time someone told me that I could do that and have my payments qualify. In the past, when Ive asked, no one seemed sure, so I didnt make payments, because I wasnt sure they would qualify, and I didnt know how much to make. On XX/XX/XXXX resent email Hello. I sent the following email on XX/XX/XXXX and then followed up by phone asking for a listing of all of my payments to date. I've received nothing. Can someone please help me? XX/XX/XXXX Hello, I have been having lots of issues with my student loans and was hoping to speak with a Public Service Loan Forgiveness Specialist as soon as possible to help clarify these issues. The issues that I would like to talk about are below : My last employment certification says that Ive made 81 qualifying payments since my Loan Disbursement Date of XX/XX/XXXX ( calculated until XX/XX/XXXX ), though I am calculating a total of 88 qualifying payments. That is a total miscalculation of 7 qualifying payments. During my first employment certification ( XX/XX/XXXX XX/XX/XXXX ) 39 payments were calculated. I payed a total of 40 payments during that time. During my fourth employment certification ( XX/XX/XXXX XX/XX/XXXX ) 5 payments were calculated by XXXX XXXX and this is incorrect, as I paid a total of 11 payments during that time. Also, I was on Auto Payment from XX/XX/XXXX - XX/XX/XXXX, and while I was on Auto Pay, there was an extra payment taken out in XX/XX/XXXX. That payment should have also counted toward my qualifying payments ( and should be part of the total 11 payments ). I would really appreciate speaking with as soon as possible.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My application for Public Service Loan Forgiveness was recently denied. I learned that the reason was because XXXX XXXX refused to count my XX/XX/2018 payments because I was supposedly in past due status. Upon investigation, I learned the following : In XX/XX/2018, XXXX XXXX kicked one of my student loans out of auto debit, which I had not requested. When I learned that this loan was kicked out of auto debit, I began paying that amount each month until I could get it back on auto debit. Rather than applying that to the amount due, they instead applied the extra payment evenly across all loans, pushing that one loan into past due status and all of my other loans into paid ahead status. I did not know that this happened and could not figure out why the XXXX XXXX website continued to alternately tell me that I was paid ahead and past due, sometimes giving me both messages in the same day. I called several times in XX/XX/XXXX and XX/XX/2018 to resolve this. The customer service reps informed me that I was paying the correct amount, and that there was nothing past due on my account. When I applied for Public Service Loan Forgiveness, I learned about the misapplied payment. I have requested that they reapply the payments to take care of the discrepancy, since I have now made a variety of extra payments to try to resolve this discrepancy. One of the customer service reps informed me that it would take 10 days to reapply the payments and that at that time I could request re-evaluation of my Application for Forgiveness. However, it has been weeks now, and they still have not resolved it. I have had to continue making payments during this time. Another customer service representative informed me that they are unable to give me an accounting of how my payments have applied and that I have to cite the exact excluded payments that I want to appeal. That is hard to do absent that type of accounting that shows which payments counted and which did not. Please assist me in resolving this matter. I greatly appreciate your help. Thank you.
Company Response:
State: FL
Zip: 32043
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had applied for Public Service Loan Forgiveness in XX/XX/2017. Before leaving for the XXXX XXXX that month, I filled out the appropriate forms and spoke with a friend representative on the phone to clarify everything and she said everything was cleared and my time in the XXXX XXXX would count towards my 120 monthly payments to forgiveness. I left XXXX XXXX after 7 months and called my provider to let them know of the change, the representative said it was ok and those payments would count. I am currently working for a non profit organization and called to check in with my provider when online it had said I only have 1 payment so far that would count towards the XXXX. This representative let me know that because my loans were not in the repayment period of while I was in the XXXX XXXX, none of those payments would count. I was completely mislead by the previous representatives and now feel very discouraged with where I am in the PSLF process as I thought I had a years worth of payments completed towards the total 10 years, but am actually starting from square one. I am very disappointed by the misinformation given to me by my provider.
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been in different periods of administrative forbearance since XXXX of 2018 and transferred to XXXX XXXX in XXXX. Despite this, XXXX reported me as delinquent. They are easily able to see that I am NOT delinquent - nor have I ever been. However, they are yet to reconcile this issue with the credit reporting companies. I am unable to get a BADLY needed loan because of this.
Company Response:
State: PA
Zip: 157XX
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: 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: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I Do Not Currently Have All The dates Or Information to Provide in this Email or Text But If Contacted By my Email XXXX I Can Provide more Information Basically I Attended XXXX Years ago in XXXX And I Was Signed up and Charged a Federal Student Loan I Was Given a Tour of the Campus and An ID Badge I Also was Told by the Staff I Would Recieve a Diploma and Would get an Opportunity to Prepare for a Career Placement or Job in My Field of Study With the Career Specialist I Took Medical Billing & Coding ( XXXX ) However I Began to Fail In Class and Some how I Was Passed GIVEN Good Grades this School had been Under FRAUD And worst I Never Received my Diploma Never A Graduation Invitation Never Took State board Exam for Billing or Coding and Never Got a Career Job I Have Contacted Everbody the State of Florida Education, I Made a Request on the Website for Loan Forgivneesss And I am Still being Billed by FED LOAN FOR THIS PLEASE HELP ME!!!!!!
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A