Date Received: 2018-10-01
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, XXXX. Before XXXX, my servicer was XXXX XXXX XXXX XXXX XXXX directly after graduation from the University of XXXX in 2006. It seems possible that a data entry error could have occurred in the transfers. I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.
Company Response:
State: MO
Zip: 65401
Submitted Via: Web
Date Sent: 2018-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This complaint is in regards to XXXX XXXX XXXX, a company that handles federal student loan repayments for the Dept. of Education. In approx. XXXX, I was told by XXXX XXXX XXXX that a company that I was considering working for was a qualifing company for their Public Loan Forgiveness program ( 120 income based payments ) .I accepted the job and started on their loan forgiveness program as time went on. I submitted yearly paperwork to maintain my qualifying status and was updated with paperwork stating how many qualifying payments had been made and how many were left.This exchange of information went on for years and is necc.to maintain qualification in their program.In XXXX, I took another job and finalized my paperwork with XXXX XXXX XXXX in regards to my previous employer and updated them with info on my new employer. I received paperwork in the mail soon thereafter stating that there had been a mistake made and that my previous employer was not a qualifying company but my current employer was and that they were terribly sorry for the inconvience. My previous employer was XXXX XXXX, I worked for XXXX XXXX a government agency contracted by Dept. of Labor. XXXX XXXX XXXX apparently did their research at the end of of my employment and found out that XXXX XXXX was a for profit organization. ( a non qualifier for the loan forgiveness program ) None of which, I knew anything about. I was misinformed at the beginning of this ordeal and am now being told that my otherwise qualifying payments are void. ( XXXX XXXX is a government agency and a 501 ( c ) ( 3 ) which are qualifiers per HR paperwork provided by XXXX XXXX XXXX ) This sort unethical business practice should not be allowed to happen. I am sending all the caloborating paperwork via fax and snail mail. I have spoken with XXXX XXXX XXXX directly and the ombudsman group of the Department of Education in regards to this issue but to no avail.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2018-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have two consolidated federal loans with Fedloan Servicing, one is a consolidation of direct subsidized loans and the other is a direct consolidation of unsubsidized loans ( both federal loans ). I am attending a XXXX program full-time and while I am enrolled I do not pay interest on the unsubsidized consolidation loan. I have made two payments in the last few months, one on XX/XX/2018 for {$5600.00} and a second one on XX/XX/2018 for {$3100.00}. The payment on XX/XX/2018 was supposed to be allocated in full to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN, just like a payment for {$1000.00} on XX/XX/2018 was eventually allocated solely to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN. Two months have passed since I made that payment on XX/XX/2018. As I mentioned before I have recently made another payment on XX/XX/2018, which was also bizarrely distributed unequally between the SUBSIDIZED and the UNSUBSIDIZED loans. Fedloan Servicing is unwilling to help me. They just keep repeating that the payment will be eventually allocated as I expect, but nothing has been done yet.
Company Response:
State: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2018-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I attended University of XXXX 2005, withdrew from the school due to unprofessional instructors. The loan was refunded to XXXX XXXX by University of XXXX. XXXX XXXX now have my account and they have reported my account to all 3 bureaus deducted as much as 100 points from my credit score. Every month they keep reporting my account causing it to be negative. I have sent letters and documents proving that the loan was refunded/ They are wanting me to pay {$5400.00} for school which I did not attend plus interest. Please stop. This has going on way to long since 2005. I AM HAVING FINANCIAL HARDSHIPP AND HAS EXPRESSED THIS ON numerous occasions. Please stop reporting my account the loan was refunded and they have documents. Please I am begging that this stop.
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2018-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I and my employer, the XXXX XXXX XXXX, have provided XXXX XXXX information on my employment with the tribe several times to qualify for the public service forgiveness option. They have continually rejected my application on false premises, saying I or the employer did not include information I am positive was sent to them. I have worked as a paralegal or title analyst for decades and understand how to fill out forms accurately. These pretextual denials of my renewal status on this program are infuriating. My account number with XXXX XXXX is XXXX XXXX XXXX and I am trying to renew after one year in the program.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2018-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Sir/Ma'am I am currently enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I am a XXXX XXXX service member in the XXXX since XX/XX/XXXX. My consolidated student loan was initially handled by XXXX. I was switched over to XXXX XXXX in XXXX. Since being switched over to XXXX XXXX I have submitted proof of XXXX XXXX service multiple times and have submitted verification of my employment status to receive the most up to date qualifying number of payments towards my student loans. I noticed a discrepancy in the number of payments credited by XXXX XXXX XXXX in XXXX towards the Public Service Loan Forgiveness program. All the payments I made to XXXX between XXXX and XXXX were never recorded as qualifying payments ( please find attached ). I have brought this to the attention of XXXX XXXX and requested a review of my payment history in XX/XX/XXXX. Since submitting the review request in XX/XX/XXXX I have tried to follow-up multiple times but have not received any feedback when the payments will be incorporated and credited to my account. I was initially told by the loan officer that the review takes 90 business days. However, after my last conversation in XXXX that time line has been disregarded and no situational awareness appears to be present as to the status of the review. XXXX XXXX has had a history of not calculating or making errors in managing the payments made towards the public service loan forgiveness program. Therefore, I am trying to be proactive and have the service provider fix any discrepancies as close to the source of error as possible. Thank you for your consideration.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2018-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loans are currently being serviced by Pennsylvania Higher Education Assistance Agency. I have had multiple periods of " qualifying employment '' through the Public Service Loan Forgiveness program, but several periods have not been calculated correctly, resulting in fewer periods of qualifying payments. For example, they claim that information is missing from forms when it is not, or they claim that payment tracking can not start when I am still with the employer.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2018-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/2018 I called the XXXX XXXX hotline at XXXX to make a Loan Cancellation Payment. I gave the representative my correct bank account information : I clearly stated the routing number on my bank account and XXXX XXXX account : XXXX. I asked him to make a Loan Cancellation Payment of {$4200.00} and he told me that he submitted the payment using the bank account information stated above. He also informed me that XX/XX/XXXX was the deadline for my Loan Cancellation Payment because it was 120 days after the loan disbursement. On XX/XX/2018 I received a message on my XXXX XXXX account stating that the XX/XX/XXXX payment was rejected because my financial institution was unable to locate my account. However, I had given the information for the same bank account I have always used to make loan payments and I have never had a problem doing so before. I called the XXXX XXXX hotline for guidance and a representative told me to make the payment immediately and that she would submit the case for review. I made a payment of {$4200.00} from said bank account through my XXXX account on XX/XX/2018 as the case was submitted for review. On XX/XX/2018 I received an email stating that XXXX XXXX had conducted a review and could not make a Loan Cancellation Payment because I had submitted my payment through my XXXX account on XX/XX/2018, the day after the 120 day cutoff for a Loan Cancellation Payment. However, I had actually made the Loan Cancellation Payment through a telephone representative on XX/XX/2018 with the exact same bank account information, which mysteriously failed to go through. When I made the payment with that exact same bank account information on XX/XX/2018 the payment went through. I called the XXXX XXXX hotline to contest the decision : If the Loan Cancellation Payment did not go through on XX/XX/2018, it was neither my nor my bank 's fault because the payment successfully went through when I made it 8 days later. The error is on behalf of XXXX XXXX and its representative. Therefore, the {$4200.00} payment I made on XX/XX/2018 should be scheduled as a Loan Cancellation Payment. I should not be penalized for the mistakes of XXXX XXXX and its representatives.
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Currently, my IBR request has been in one process or another since XX/XX/XXXX ; usually the process is " HOLD '' while the interest and the pay-off date on my loan gets higher and higher. Even since this servicer has had my loan, I have had issues. Every time I call in or get a message, it says I am on the wrong plan for IBR or I could be making a lower payment. I also had someone suggest I apply for XXXX Loan Forgiveness, which I am not eligible for, and further delayed payments. In XXXX, they had me paying three different payments and then it has really been a mess since I went back to school from XXXX. I wanted to keep paying while in school, but they placed in forbearance and basically wouldn't let me. Ever since I have came out, it is either the wrong payment, not a XXXX qualifying payment, on hold, in processing, or past due because of their inept practices. I just want to pay my loan. In XXXX, I received correspondence saying I was on the wrong type of plan for XXXX. I applied for IBR and paid the {$5.00} she said to expect in XXXX. My XXXX was denied because of incomplete info although there was proof I had uploaded it. They told me to reapply. I think the reapply started the entire process over and then I believe I finally got what I believe was the correct payment of {$400.00} in XXXX and a bill for {$5.00}, paid it once, and then it inexplicably went to the standard payment plan amount of {$1100.00}, which they tell me not to pay because it won't qualify ( I also can't afford that ). I have talked to at least three people who said they are sending it to review and don't know what's going on. I NEED HELP PLEASE. I am begging. I will attach details. Everyone I talk to says they will take care of it, but it never happens. Please review my attachments for evidence.
Company Response:
State: GA
Zip: 30705
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: XX/XX/2018- now. {$16000.00}. This company keeps trying to steer me into forbearance before letting me know about any other payment options.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A