Date Received: 2018-09-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have contacted AES/XXXX several times over the past 5 years to have negative debt that they have no proven is owned by them or owed to them. I have disputed this information numerous times with Experian and XXXX XXXX and still 4 private student loans that have not been validated with proper chain of custody or assignment. These accounts are ruining my credit and preventing me from being able to purchase a home. I have a Ch XXXX bankruptcy that was uncontested and therefore XXXX XX/XX/2012. There are several lawsuits against this student loan company and there subsidiaries ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ) for wrongful lawsuits that resulted in default judgments that were filed after the statute of limitations had passed and without proving ownership of said loans. I would like for this incorrect information to be removed from all 3 credit bureau reports and XXXX XXXX report. The following is the information showing for the loans as of date. The duplicate accounts were removed from my XXXX and XXXX credit bureau reports that were listed under XXXX XXXX, however, they still remain on XXXX and XXXX XXXX reports as shown below. AES/XXXX {$62000.00} AES {$27000.00} AES/XXXX {$13000.00} AES {$10000.00}
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2018-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX -XX/XX/2018, I requested Master Promissory note via phone. XX/XX/2018- debt verification letter was delivered to alleged servicer of loan Between XXXX - current ASEXXXX has only provided an application as stated on top of the documented received. XX/XX/2018 - creditor contested on credit report XX/XX/2018 - credit verified name, SSN, DOB & address to remain on credit report. After of XX/XX/2018 AES has not delivered debt verification letter requirements asking for master promissory note and signature verification for electronic signature
Company Response:
State: PA
Zip: 17201
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I qualify for loan forgiveness via the Public Service Loan Forgiveness program. I have a letter from XXXX XXXX dated XX/XX/XXXX that states I have made a total of 63 qualifying payments and have 57 qualifying payments remaining and an estimated eligibility date of XX/XX/XXXX. However, at the time my online account showed that I only made 54 qualifying payments and had 66 remaining. I submitted a request for this to be reviewed on XX/XX/XXXX and was told that it would take up to 10 weeks to be fixed but that the information in the letter was accurate. However, the online account was never updated to reflect the information received in the letter. I submitted an online request in XX/XX/XXXX about this same issue but never received a response and nothing was updated. On XX/XX/XXXX, I re-certified my employment for XX/XX/XXXX through XX/XX/XXXX, during which time I made 12 on-time payments. When I re-certified, I also submitted a letter inquiring about the miscalculation issue and submitted documentation that showed the discrepancies ( a copy of the XX/XX/XXXX letter and screen shots from my online account ) and asked that the information be updated. I received a letter dated XX/XX/XXXX stating that my employment was certified but I did not receive a letter detailing updated number of total qualifying payments made and payments that are still needed. I also did not receive anything regarding the issue of the miscalculations of my payments. However, my online account has now been changed and now shows that I have made 65 qualifying payments and have 55 remaining and has pushed my estimated eligibility date back to XX/XX/XXXX, adding a full year of payments that I shouldn't have to make. This is not correct! With the 12 qualifying payments I made between XX/XX/XXXX and XX/XX/XXXX, I should have a total of 75 qualifying payments made and have 45 remaining. I called today ( XXXX XXXX ) and spoke with a representative who said my initial review request from XX/XX/XXXX has not been addressed yet and it could take up to 6 months ( it's been 10 months ). She also said that of the 98 payments I have made since XX/XX/XXXX ( when I first became eligible and starting making payments ), 33 of them don't qualify because I didn't pay the full amount. I have always made full and on-time payments, and have never received any notices of late payments or delinquency. I have documentation that states what my qualifying payments were as of XX/XX/XXXX and have the amounts, statement dates and confirmation numbers for every payment I have made for the past three years. However, XXXX XXXX will not give me any straight answers and will not work with me to resolve this issue. As of today, I am now being told that it can take up to a year for the issue to be resolved. That is crazy! I have called multiple times and I am never given a straight or clear answer. I'm continually told to wait weeks or months and call back. Meanwhile, the qualifying payments that I have made and continue to make are not being accurately accounted for and applied to my loan forgiveness eligibility.
Company Response:
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a federal worker and qualify for the student loan forgiveness program.I submitted the original certification form on XX/XX/XXXX and a recertification form on XX/XX/XXXX. I have not received any information and/or notifications on my correct payment count. I called XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and this issue has not been resolved. Each representative keep informing me that the process takes up to 90 day ; however, it's been almost 20 months since the original form was filed. I am trying to ensure that the correct count is made and that they are not trying to force me to forgo the forgiveness process. No one at XXXX are wiling to help me. They just keep telling me that they will resubmit the forms. I have no clue what to do next.
Company Response:
State: MS
Zip: 39056
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
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: This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, XXXX, XXXX delete these late payments and update my profile
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a government employee who qualifies for PSLF. I have been making payments on my loans since XX/XX/XXXX. There were no interruptions of payments as every month the payments were deducted automatically from my bank account. At no point did I request a forbearance nor was I aware of my account going into forbearance. Last year, XX/XX/XXXX, I submitted my form for PSLF. Once I requested to be considered for the Public Interest Loan Forgiveness program, my former lender, XXXX, transfered my account to XXXX. At no point was there an interruption of my payments as I mentioned above the payments were automatically deducted. Today, I spoke to XXXX to inquire about the status of my PSLF certification. I was informed by the rep that only one payment ( XX/XX/XXXX ) qualified for PSLF out of all the payments I made between XX/XX/XXXX-XX/XX/XXXX because of an administrative forbearance that was placed on my account without my consent. Again, I have been making monthly payments on my loans the entire time. When I asked the rep about the forbearance she stated it was placed by XXXX from XX/XX/XXXX-XX/XX/XXXX. I asked to speak to someone who could assist me in this and she informed me there was no one to speak to but she can send my PSLF application for review. This infuriates me. I have been paying off my student loans diligently and I don't want to get screwed by this lender. Please have someone get in touch with me asap because I do not trust XXXX and XXXX to take care of this. Thank you!
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am in the IBR repayment plan and the PSLF program. As of XX/XX/XXXX, both my unsubsidized direct and subsidized direct student loans were both scheduled to be forgiven on the same date in XX/XX/XXXX -- which makes sense, as they have been consolidated for nearly twenty years. However, this year, twice within the month of XXXX, suddenly, and apropos of nothing, XXXX, the servicer, reevaluated the number of " qualifying payments '' on the unsubsidized portion of the supposedly previously consolidated loans and reduced the number of qualifying payments I have made by eight. I sent a detailed description of the problem to the servicer, asking for an explanation and some justification. I also opened a case with the servicer 's Ombudsperson, with identical text. The servicer responded a week later with boilerplate from the servicer 's website making reference neither to my stated issues, nor to the resolutions I had requested. I responded with a polite, but firm request for an actual, thoughtful, dispositive, responsive, non-robotic reply to my problem. The servicer responded with an even shorter, less relevant reply containing a passage of boilerplate text that had appeared in the original response. It's obvious the replies are almost certainly automated, or are keyword-generated by XXXX speakers working under strict time constraints. The Ombudsperson could not be bothered to reply at all.
Company Response:
State: OH
Zip: 45459
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/2018, I contacted XXXX XXXX to make extra payments towards the principal balance only on my loan. The representative stated, " it simply was not an option, any extra payments will be applied to both the principal balance and the interest. '' I feel like XXXX XXXX is taking advantage of college graduates by not allowing them to try to get ahead by making extra payments towards their principal balance only.
Company Response:
State: PA
Zip: 17257
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I'm trying to pay off a loan balance of XXXX ( loan seq XXXX ). I made two payments onXX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. The payment on XX/XX/XXXX does not appear anywhere on the loan transaction history for that loan. CFPB nor XXXX acknowledged what happened to my XX/XX/XXXX payment on my previous complaint. Additionally, why are the highlighted payments going to Interest only? Payments made should be going to principal and interest. Please see highlighted attached and reverse each payment and apply to both principal and interest. This is highway robbery. XXXX XXXX should be investigated for their payment practices.
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have twice submitted for employment certification for an employer who refuses to acknowledge my time working as a XXXX XXXXr. The first time, I requested it be investigated by CFPB, and the following paragraph was the company 's response : " The XXXX we received from you on XX/XX/2017, and which included several XXXX to prove your employment as qualifying during the time periods you listed, has been processed. Regrettably, we can not fully complete and certify the timeframes you listed. The dates must be in a Month/Day/Year format, with the day being exact or, if this information is unavailable, your closest possible estimate. '' I therefore resubmitted, correcting the Month/Day/Year format, and it was once again denied. This time, the denial letter explained that there was missing information section 4, and that the organization was still operational, and therefore an official must certify. It is true that the organization is operational, however, they have refused to certify. The box I checked includes the terms " refused to certify, '' and therefore I believe that this form was not given adequate consideration before being denied.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A