Date Received: 2018-09-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have submitted certification of my employment history to XXXX XXXX XXXX/Pennsylvania Higher Education Assistance Agency/PHEAA for the purpose of tracking payments to count for XXXX XXXX XXXX XXXX ( PSLF ). The updated certification that I was given was not an accurate count to my total service completed thus far ( count was too low compared the to qualifying payments that have been made ). Also, the count of the last three loans of the account was completely omitted ( not given credit for qualifying payments ). I have called several times and submitted emails requesting an explanation for these incorrect numbers. XXXX XXXX XXXX/PHEAA is unable to provide an explanation at how these numbers were created. They have also not fixed their mistake. Of note, this is the second time in 2018 I am experiencing this problem and need third party assistance for correction.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2018-09-13
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: Trouble with how payments are being handled
Consumer Complaint: This complaint is about the servicer XXXX, or actually the Department of Education for granting this outfit a contract. XXXX, in their otherwise very user friendly website, has no option to make any payments towards the principal. There are all kinds of repayment options except being able to pay additionally towards the principal. Now, why would this be? Perhaps the other repayment options available offer a clue. Indeed, they all maximize loan interest revenue. So, clearly this is a ploy to make it difficult for the consumer to get from under these loans. Is that the intention or in the spirit of the Education Department 's mission to get young people to obtain an education and build a life for themselves? Do the contract managers of the Dept of Education that review prospective loan servicers, take that into account, in addition to 20 plus pages of other federal requirements? Please pressure XXXX to make this option available immediately or do not renew their contract. Best Regards, XXXX XXXX XXXX XXXX
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX ( Closed ) I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: AES is not abiding by the laws that are in place when it comes to Wiretapping laws in Pennsylvania. On XX/XX/2018, AES was contacted by me. They advised that they were recording the phone call, to which I said I was also recording the phone conversation. They said they did not authorize the recording, to which I said that I only authorize recording if AES authorizes me to record the same phone call. The representative said she had to transfer me to a non-recorded line, and then proceeded to ask for my personal information, to which I asked if they were still recording the call. The representative then proceeded to transfer me without getting my information. I got a new representative on the phone moments later. I informed that representative that I was recording the phone conversation, to which she also said she didn't authorize recording from my end. I asked her why they don't allow authorization if they are ok with authorizing the conversation from their end. I then proceeded to tell her that the previous representative stated that I would be transferred to a non-recorded line, to which the current representative said was false. I then asked for a supervisor to which I was not given as the representative stated no such authority figure was available at the present moment. I then just let her know that I would call back and see if a different representative would corroborate everything she said, to which she was dismissive. Eventually I dialed back and got a different representative who couldn't answer any questions or concerns I had about the lack of integrity for this type of situation. AES needs to understand that if they continue to record any conversations without my direct permission, I have the legal right to request those phone calls or have an investigation initiated to properly dispose of any conversations that were " illegally '' recorded. I have reason to believe that AES still keeps phone conversations that were illegally recorded ( recorded without my direct authorization ).
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My husband attended this university and we have made payment arrangements and have paid, but they have derrogattory on his credit and my credit and they have it duplicated were they have different companies charging us and destroying our credit score it should be on one of our credit and not duplicated, it has affected our lives.
Company Response:
State: KY
Zip: 413XX
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is regarding a request to change plans from IBR to PAYE that I made in XXXX. On XX/XX/18, I asked for my loan to be recalculated to a different IDR plan. I had an income change, and also hoped hoped to go from an IBR to either a PAYE or REPAYE plan. I specifically DID NOT check the box stating that I wanted to go into forbearance because I do not want my interest to capitalize. I wrote a letter along with the application clearly stating that I did not want to go into forbearance, so there would be no confusion. The paperwork states that one month of a standard payment rate would be necessary, but it does not state that forbearance is required. I received a letter on XX/XX/2018 stating that my loans were placed in forbearance and that I must pay a reduced standard repayment for one month, which is listed as XXXX. I filed a complaint with CFPB on XX/XX/18, and followed up with an email to XXXX on XX/XX/18, and then a phone call on XX/XX/18. I was told that my request would be processed in 7-10 business days. I received a response here on XX/XX/18, that XXXX was working on my request, as I had called them, and my request had been put in motion. I also received a response from XXXX to the email, which was similar, in that they said I had contacted the company and the request was in motion. I called on XXXX and spoke with employee XXXX to see if anything had been done, and the representative told me it had not yet been 10 business days and she didn't know how my request would be handled. Everyone I have spoken with has told me I am not in forbearance, but I am, and I did not request to be. My request to the company on XX/XX/XXXX and XXXX to the company is for my account to be restored to where it was before I requested the switch. That includes reversal of the interest that capitalized. I acknowledge that I overlooked a sentence on page 8 of the form that says when you leave a plan that interest is capitalized. I overlooked it because it is not on the signature form, and now I have been made aware. There have been multiple mistakes on my account in the past, and I just did not feel like I would get neutral advice. It is beyond the 10 days, and there has been no restoration of my account, and the account does not reflect that a decision has been made.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Repayment status since XX/XX/XXXX, IBR payment {$0.00} + PSLF enrollment. I was put into an un-requested administrative forbearance in XX/XX/XXXX due to Chapter XXXX notification : qualifying PSLF payments are not being counted for this time frame and another time frame in from XX/XX/XXXX to XX/XX/XXXX due to employment change. XXXX got the certification from BOTH employers, there was no break in employment. The Mass. Attorney General Sued XXXX XX/XX/XXXX for : For borrowers on track for PSLF, the lawsuit alleges that XXXX XXXX engaged in a variety of activities ( such as paperwork delays and erroneous determinations ) that forced people into forbearance instead of qualifying PSLF payments, or it failed to properly count qualifying PSLF payments. These actions caused thousands of PSLF-eligible borrowers to be in repayment far longer than they otherwise would need to be under the program.
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am currently going through XXXX. XXXX XXXX sent emails on Portal about completing Income Base Driven forms. Due to my health, XXXX, and XXXX I was not able to fill out the forms. Fed loans substracted {$1200.00} from my banking account, even though I have never had to pay before because of my income. I have trying calling to get assistance and they rush me off the phone. I am at a lost and don't know what to do. They won't give me the information about getting a refund.
Company Response:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I receive about 4 phone calls a day regarding my student loans, and how I qualify for assistance even though the deadline has passed I could still be eligible. However, I decided not to kick-the-can down the road and I refinanced through a private lender. I tell these people that call me from XXXX that I am no longer eligible for these forgiveness programs bc I now have a private loan. They say they can not remove me from the list and call me about an hour later. OR they say they will remove me and still call me an hour later.
Company Response:
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am under the Income Based Repayment program and being serviced by XXXX XXXX. In XXXX, they began reporting interest to the Credit Bureaus even though the interest has not capitalized on my account, because I am in the IBR program. They informed me that on their end, the interest is not showing that it was added to my balance because of the IBR but they are aware that they are reporting it to the Credit Bureaus. Reporting to the Credit Bureaus like this is destroying the consumer 's credit. Being under the IBR is supped to help the consumer financially, not to destroy the consumer 's credit. It seems as though the servicing companies found a loop whole in the Fair Credit Reporting Act, to bury those who are under any type of payment or forgiveness program. Because of the way they are reporting to the Bureaus, the amount of my student loan is increasing over {$500.00} every month on my credit report. They need to be stopped before they begin to destroy every student 's credit and financial status that is in any type of repayment or forgiveness program. By them reporting the interest to the credit bureaus, forces the credit bureaus to lower the consumer 's credit score each month because of the increase that they are seeing. Because of this lowering the consumer 's credit score, it disables the former student from obtaining a good paying job, since employers are now running credit checks for certain positions. If the government allows them to continue to do this, it will put the country in a crisis. Less home purchasing, more jobless claims, more unpaid debt and student loans will become a bubble like the housing market in 2008.
Company Response:
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A