Date Received: 2018-09-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with zero balances. thank you Sincerely, XXXX Veteran
Company Response:
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2018-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I attended XXXX 's XXXX XXXX for 2 weeks and I dropped out back in XX/XX/XXXX due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this inaccuracies from my credit file.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2018-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hi-I previously submitted a complaint to CFPB ( XXXX ) in XX/XX/XXXX. Either CFBP misunderstood the complaint or XXXX XXXX misrepresented the response. The issue continues to be that fedloans has not properly calculated payments for the Public Service Loan Forgiveness Program. I am a former XXXX XXXX and currently an XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX. Other than a few months ( approximately 3-4 ), I have been making qualifying payments since XXXX. Yet, XXXX continues to miscalculate this. Would like this elevated ( potentially to the senior leadership at the Dept. of Education ) as this issue has been going on now for several years. My cell is XXXX. My work email is XXXX and personal email is XXXX Thank you and sincerely, XXXX XXXX XXXX, XXXX
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My issue is with my federal school loans being discharged through the Public Service Loan Forgiveness ( PSLF ) Program. XXXX XXXX handles all PSLF applications and have no other way to resolve my issue but through them. I have been eligible for PSLF since the beginning of XX/XX/XXXX. XXXX XXXX contends that I still have more than 3 years left to pay on my federal loans to become eligible. Their basis for that conclusion is that I consolidated my previous federal loans into one in XX/XX/XXXX, making all previous payments ineligible. My first contention is that I was told several times by the previous loan servicer that the consolidation would have no effect on my PSLF and I was encouraged to consolidate. My second contention is that ALL my school loans have always been federal loans ( Federal Stafford Unsubsidized/Subsidized, Direct Unsubsidized/Subsidized, Direct Consolidation Loans ). Per 34 CFR 685.219, I have met all the requirements allowing my school loans to be discharged through PSLF. Nowhere in that CFR does it state that consolidating previous eligible federal loans into one federal loan makes previous payments ineligible. This means XXXX XXXX and/or Department of Education ( DoE ) are arbitrarily foregoing what the original CFR states and denying PSLF applications. XXXX XXXX is refusing to acknowledge this error in their assessment of my PSLF application and change course so as to rectify the issue. I have no way to appeal to any other loan service provider and/or to someone who can recognize the multiple flaws that plague XXXX XXXX assessment of PSLF applications.
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2018-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I repeat that I have been monitoring my credit reports to make sure that all accounts are properly validated. Two of the accounts I have been disputing have been American Education Services loan reportings -- AES/XXXX ( original : {$14000.00}, balance : {$22000.00} ) and AES/XXXX XXXX ( original : {$14000.00} ; which apparently transferred to AES/XXXX ). That complaint regarding issue with the credit reporting of these two accounts still stands, but in addition, that complaint is regarding the documents that were sent to me from AES/XXXX claiming that the accounts are validated and verified. Their exact words are, " American Education Services ( AES ) has determined that the loan ( s ) listed on the back of this letter is valid. Accordingly, we have enclosed copies of the documents that confirm your obligation to repay the loans. The original Creditor name and address can be found in this enclosed document. '' 1 ) I have never seen a lot of these documents ever in my life, so seeing my signature there is quite amazing. The " Consolidation Loan Verification Certificate '' -- never before seen. The extraordinary magic letter from XXXX XXXX , XXXX -- never before seen. The original creditor IN the Performant letter named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- who in the world is this? LOL -- never before seen. There's even a botched rendition of my signature on this letter. Okay, really? Try harder. The document titled, " Financial Disclosure for Reasonable and Affordable Rehabilitation Payments '' -- never before seen. Yet, it claims it was emailed XX/XX/XXXX. Please tell me how someone is responsible for something they've never seen or signed. Yet, this is all still being pushed as proof. The only one I have seen was the document dated in my hand on XX/XX/XXXX -- that I know for a fact was not sent to AES, XXXX XXXX, or XXXX. 2 ) Therefore, I continue to stand by the fact that I never signed an agreement with AES, XXXX XXXX, or XXXX. You MUST provide original provide an original contractual agreement in its original form, bearing my actual, wet signature and of which THOSE DOCUMENTS MUST EXPLICITLY STATE AN AGREEMENT WITH THE COMPANIES THAT ARE REPORTING ON MY CREDIT REPORTS. You have still not done this, so no, this process is not over. Moreover, you are still under violation of the FCRA & FDCPA because you are reporting an invalidated, unverified account and have not supplied an original instrument of indebtedness bearing my signature that CLEARLY states obligation to pay the companies that are reporting in my credit files -- AES, XXXX XXXX, and XXXX. You must provide this, but if you do not, you must DELETE the unverified, invalidated accounts ; the one shown as closed AND the one showing open. I am not to receive bills, lists of disbursement dates, or copies of random documents that I, the consumer, hasn't even received. 3 ) Under the FCRA & FDCPA, validate & verify with proof that all of the addresses and email addresses are indeed mine. Obtaining notice of the said loans and being responsible for the receipt of them is crucial. It is negligent to say that debts this large are mine simply because information is on a page ; you must prove that it actually is mine AND THAT I RECEIVED THIS INFO, WHICH I KNOW I DID NOT.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2018-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a medical resident that has been trying to pay back my loans with FedLoan. I submitted to be on pay as you earn four times during my second year in residency, and I was denied because they said I made too much money. When I spoke to them, I finally got through to a supervisor who said this was their fault and I can be back on PAYE. However, before this happened, they capitalized XXXX dollars on XX/XX/18. I called immediately about this, and they said that this should not have been capitalized and that it is their fault and they will submit a request to have it changed. It has now been almost three months, and I have been placed on income contingent, then forebearance, then income contingent, and now finally back to pay as you earn. They also sent a letter saying I now have XXXX more dollars that will be capitalized due to all of the switching. I called and they submitted another request to have this changed. SO now I have XXXX dollars of capitalized interest that should never have happened, and they refuse to let me speak to the people in charge that deal with these complaints. I can barely afford to live on my resident salary, and I am never going to be able to pay back these loans if they keep messing it up. PLease help!.
Company Response:
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2018-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-15
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XXXX is the previous complaint that was closed. The attachments are included with that complaint. XXXX added almost $ XXXX in interest to my account even though I turned in my application on time. They state the application was incomplete, however refuse to point out on the instruction sheet where I did not follow directions. I was in constant contact with them because they told me a different thing every time I spoke to them. I continued to follow their verbal directions. They eventually told me to resubmit the entire application. I did and then they told me it was too late and added XXXX to my loan. I filed the complaint with cfpb. They emailed me and stated they should have used the previous years income before counting it as late and took off the interest they had previously added. cfpb closed the case. XXXX then added the interest right back onto my account once the case was closed with cfpb. I emailed them again, and they sent me emailed and voicemails stating they are allowed to do this and literally restarted the entire issue. Every time I try to call, they act as if they have no clue about the entire case. They are continuously trying to ruin my credit. My XXXX in loans is now up to XXXX, which I will never be able to pay because they illegally added interest. They stated again I did not have the application in on time. Which I did. They stated it was incomplete and keep telling me reasons, but none of these reasons are actually on the directions sheet.
Company Response:
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2018-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am four years out of XXXX school, with about {$190000.00} in student loan debt. XXXX XXXX cheated me out of my entire direct loan rebate in the following manner : Using XXXX XXXX XXXX online payment app on XX/XX/2018, I was for the first time presented with the option to " Target Specific Loans '' -- without any warning, fine-print or otherwise, of any potential pitfall of doing so. Grateful for the chance to target my highest-interest loan ( XXXX by default targets the lowest-interest loan ), I allocated my entire minimum payment ( {$240.00} ) towards that loan. In XXXX, I received the first of several letters and e-mails from XXXX XXXX, stating that I was delinquent, had missed payments, and therefore that my direct loan rebate was irrevocably lost. On XX/XX/XXXX, I made an extra payment of {$320.00} in an effort to make up any alleged delinquency, so that XXXX might restore my direct loan rebate. I called XXXX on XX/XX/XXXX, requesting that my XX/XX/XXXX payment be reallocated to remedy any delinquency, and that my direct loan rebate be restored. The XXXX representative advised me that he had succeeded in reallocating my XX/XX/XXXX payment, and that he would speak to his superiors about getting my direct loan rebate restored. On XX/XX/XXXX, I called XXXX again to complain that my direct loan rebate had not been restored. The representative told me that it could never be restored. I can not be the only student borrower who has fallen into this trap of attempting to target a minimum repayment to the highest-interest loan without any advisory from XXXX XXXX of the perils of doing so, and then irrevocably losing his direct loan rebate, even though he did not, in fact, miss a payment, pay late, or pay less than the minimum.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have contacted all the credit bureaus and XXXX XXXX to update the months of XXXX, XXXX, XXXX and XX/XX/2015 to ok/current on my 23 closed student loan accounts. I have documentation showing there were 0 days delinquent on all 23 closed accounts but they are all reporting 4 months late making there be 92 delinquent marks on my credit reports. This is causing my credit scores to be significantly lower than they should be causing a barrier for me financially while I am trying to purchase a home for my XXXX XXXX son and I. I have consolidated all the accounts at the XX/XX/2015 and have maintained them as current and kept communication with the company. Please grant my request and adjust the late payment status to ok/current for the months XXXX, XXXX, XXXX and XX/XX/2015 on all the credit bureaus. Thank you
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2018-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I've got a student loan for my son in XXXX and I've being paying for it sins then. The loan was sold a couple times. My current Servicer is AES sins XXXX. I've asked them in the past to send me amortization letter to better understand what exactly I'm paying for. I thought Truth in Lending Act requires lenders to provide you with loan cost information, by they told me they don't do this. So they kept me in the dark. So convenient! My son has passed, but I still make accurate payments. Over sudden I've got email from them stating I have to pay almost double amount monthly. So I called. The Lady told me THEY JUST FOUND OUT I was paying interest only for all this time and now it's time to start repaying the principal. She said it was not only me, there are thousands like me in the same situation. What a surprise! For all this years I didn't know I'm making just an interest payment. To know that thousands of us are in the same situation doesn't help. They also lowered my interest rate down to 4 % a few years ago, but on statements it's still shows 4.25 %. The same Lady told me don't worry, we charge 4 %. How do I know? I don't trust them. I fill now like they rip me off.
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2018-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A