Date Received: 2018-09-12
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: In early XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX who currently had my student loan that they were closing and that someone in the near future would be contacting me about my XXXX 's student loans. I had been trying to make a payment online like I usually did for months previously but the XXXX XXXX website would not go to payment page. I called and kept getting an automated response. So it made sense to me that the company closed or went under, it was not completed stated in the letter. About 3-4 months ago, now in mid XX/XX/XXXX, I began getting calls from a debt collector service, stating my student loan was in severe default and I was in collections. I checked my credit report and it stated I didn't make any payments and was severely late. I explained the events to the creditor and asked for official documents of the new lender. I even made a {$500.00} payment over the phone but no official documents were sent to me as requested. So I called and asked again after 2 weeks of no documents mailed, they said again they would mail it to me, another 2 weeks went by and they began calling me for more payments. I explained again I did not receive any documentation from a new lender. I reported the payment on my credit card as fraudulent as l had no documentation of a new lender or what was going on with loan. My credit card investigated, refunded me the {$500.00} and they didnt even send my credit card company the appropriate paperwork to dispute it. I was starting to think this was some type of scam. I was finally given an contact number for the supposed lender, financial group XXXX in NY. I called them a month ago 3x requesting official documentation or promissary note of my loan proving they owned it. Not a single paper of evidence or official document has been sent to my home. I have asked for it to be emailed and they refuse. This debt is showing very poorly on my credit and I can't even make a payment to anyone who has proof they own my loan now. I have no clue what to do at this point. Please help
Company Response:
State: AZ
Zip: 85015
Submitted Via: Web
Date Sent: 2018-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response:
State: SC
Zip: 29488
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 have been trying to have XXXX XXXX provide a correct calculation of my eligible payments towards the Student Loan Repayment Program for the XX/XX/XXXX-XX/XX/XXXX period for about a year. They have incorrectly recalculated my eligible payments three times to date, to my knowledge. In the beginning of the year, after various incorrect recalculations, I requested a detailed statement showing which payments are qualifying payments and why. On XX/XX/XXXX I received a voicemail apologizing for the time it has already taken to process the request and to verify it is being processed. I called shortly after to confirm the request is still being process. I was told I would receive the document in my inbox within 30 days. It is now 4 months since that call and I have still not received the requested information. I have called numerous times and have been told they are still working on the request over at least 7 months from the initial submission and over a year and a half from submitting my initial verification.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I moved my loans to XXXX XXXX XXXX in XX/XX/XXXX when i began working for the XXXX of XXXX XXXX. After multiple rejected employment verification letters, i have vowed to start paying my loan off asap and forgo public student loan forgiveness. I currently have my payments set to direct debit on the XXXX of month. When i decided to explore the best strategy to repay my loan early, i was disappointed on how little information was available on the website to maximize my savings. After hours of phone calls and multiple emails, i was able to set up my loans so that additional payments did not get applied to future payments. Along the long road, i also found that in order to apply all of a payment towards the principle balance, the payment had to be made on the same date of my direct debit ( XXXX of the month ). All account reps i talked too did not understand what it meant by my request to make my extra payments be applied to " principle only '' In XXXX, XXXX, XXXX, and XXXX have the XXXX fall on a weekend. Due to their policy, you can not make additional payments on the weekends by phone or online. So the only option is to pay extra payment the weekday before the XXXX of the month. This practice is not advantageous to the borrower as the payment will be fully put towards the principle balance and help me suffice my obligation to the government. In addition to not being able to pay on the weekend, my account is listed as past due, 2 days after my direct debit was scheduled. This is causing me undue stress because even when i called yesterday, the representative could not tell me if my direct debit would be processed and i would not be considered late. I had a similar instance in XXXX where the account rep could not tell me with confidence that my direct debit had taken place. The only thing they offered me was to make an additional payment, which seemed predatory as my direct debit was processed in the days after the due date. Also, my direct debit is not listed as a scheduled payment on my online fed loan servicing account even though it has been taken from my bank account today. In summary, the process to make payments to reduce my principle balance is too complicated and not set up to to benefit the borrower. Also, if direct debit payments can be scheduled for the weekend, additional payments should be allowed on the weekends. Finally, payments take too long to process and are not reflected accurately in my online account.
Company Response:
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: AES is being deceptive on their stance that they are not breaking the law while maintaining that they're not harassing me when they make daily phone calls because an account is delinquent. Pennsylvania Fair Debt Collection Practices Act 2270.4. Unfair or deceptive acts or practices. ... ( 4 ) A creditor may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt. *indicates that an event or similar event in nature has occurred ( i ) The use or threat of use of violence or other criminal means to harm the physical person, reputation or property of any person. * ( ii ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( iii ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( a ) ( 3 ) of the Fair Credit Reporting Act ( Public Law 91-508, 15 U.S.C. 1681 et seq. ). * ( iv ) The advertisement for sale of any debt to coerce payment of the debt. * ( v ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. * ( vi ) Except as provided in paragraph ( 1 ), the placement of telephone calls without meaningful disclosure of the callers identity.
Company Response:
State: PA
Zip: 17522
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I applied for income driven repayment on XX/XX/2018. They responded and said, " We received your IDR request on XX/XX/2018. We will review your request and send a follow up email by XX/XX/2018. This email will detail next steps and any additional actions needed. '' I also applied for forbearance at the time because I could not afford to pay $ 2500+ each month. Although the person I spoke with said she could postpone the payment. They did not and since I had automatic payments they took this out of my account. It is now XX/XX/2018, and although I have spoken to them several time about whether this has been completed, they still have not sent me any documentation concerning the loan. They have told me on the phone what my payment will be, as well as what the interim payment is, but I still have not received anything in writing. I would like to have XXXX XXXX finish this process and quit dragging it out. I need documentation of what the next step is.
Company Response:
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied for the IDR plan and was told I was in good standing. I knew I had to pay a {$5.00} one time fee and was waiting on the bill to come. It never did, so I called back up to XXXX and they told me that the {$5.00} payment went through electronically. Come to find out, it did not go through electronically, however, my application expired due to lapses time of payment. Now I am 21 days past due and having to re-submit paperwork to make my payments. I also am only showing 8 payments towards my 120 payments and it should be more. I sent in the Employee ID Form and it is approved. This has also been an issue that I have been fighting for since my consolidation. XXXX is acting very poorly on my behalf as I try to do the right things. This is just not acceptable to me.
Company Response:
State: IN
Zip: 46234
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: hello I registered for a school on around XX/XX/XXXX i was told i had to take a student loans with XXXX XXXX but before i started classes i enrolled i a program caLLed XXXX XXXX that paid for my entire program and i no longer needed the loans From XXXX XXXX. The school was told to return the money and i did not find out they had not returned the money sent on my behalf until i started getting letters a year or so later saying that i owe money. Well i called the school to find out why was i getting letters say i owe and they kept giving me the run around. This kept me from living my life i could not go to school anymore and it caused me to almost to go into depression..i finally got a financial aid rep to help or i thought and she said they made a mistake and that i they were waiting a response from corp to see what they could find and what to do. well after awhile i found out that they had no sent the money back like promised. I called again an got hold to a new FA administrator who was totally shocked to find out that the school had over XXXX just sitting there in my account she said she going to do everything in her power to help get this right. Because it was so long my account had interest and they said the could not pay that part which left me a balance so i had to make a settlement and it was paid with my tax return! now it being reported as failure to pay but it is paid.. the other is reporting late over 60 to 120 days but its paid ... one is reporting open and sold or transferred. the amounts for the XXXX XXXX are for XXXX and XXXX for XX/XX/XXXX i call XXXX XXXX and the credit to see if they would update my report to show it is paid if the could take in consideration that the school held the money without my knowledge and i asked if the would show that it is paid and not report negative on my report with no late payments they said they would if they could but is was not up to them. Please help! it destroying my credit. This is the same with the Dept of Education on the date of opened XX/XX/XXXX for XXXX balance updated on XX/XX/XXXX it reports legally paid in full for less than full balance but it has FP all the way across my history if it was paid why is it reporting as failure to pay i asked if the could mark as paid and also take in consideration the school withheld that information about them holding the loan and not sending it back knowing my schooling was paid for. There is another Dept of education neg marks for a paid in full account which reports for XXXX transferred or sold opened XX/XX/XXXX i just ask if u can help me get to report paid with no neg marks u r appreciated please help my thank you
Company Response:
State: MO
Zip: 63114
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: American Education Services refuses to allow me to automatically pay my bill online due to three failed ACH drafts from where i switched bank accounts and did not have the funds. There is no one they will allow me to talk to in the Financial Management Department & they refuse to send me to someone in that department or email them on my behalf. I just want to be able to pay my bill online and automatically. What other Loan Services refuses to take payments FOREVER automatically becuase a client had a issue with ACH payments once YEARS ago?
Company Response:
State: KY
Zip: 422XX
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A