Date Received: 2022-09-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing in accordiance with the fair XXXX XXXX credit reporting act XXXX Account # has violated my rights 15.U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent/instructions XXXX XXXX showing 1. ) Fed Loan in the red?? paid wrong information!! please take off 2. ) XXXX XXXX on XXXX XXXX and XXXX please take off 3 ) XXXX XXXX XXXX- Old address please take off
Company Response:
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I requested that Fedloan Servicing refund my payment of my student loans in the amount of XXXX. I called them multiple times making sure that my request was initiated, which they confirmed, it has been more than a month and have not received the refund.
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been qualified for Public Service Loan Forgiveness since XX/XX/XXXX. My payment counts were incorrect and counted at 119 when they should have been beyond 120. Unfortunately, my loans were still transferred to XXXX causing me significant delay and hardship. I now have to wait for my loans to be accepted by XXXX, hope they also count my payments correctly and then resubmit my public service loan forgiveness form ( which I have submitted at least 3 times since XX/XX/XXXX ). This is going to cause unnecessary delay in my ability to get my loans paid off.
Company Response:
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loan was scheduled to be forgiven by Fedloan XX/XX/XXXX ( this is without the missing counts on my account-additional forbearance waiver being applied, which wouldve forgiven my loans sooner ). I had contacted this company many times via their email portal, and even via the FSA site, to plead with them to keep my file with them so that I wouldnt have to restart the process with XXXX. I have learned from both FSA and via other folk awaiting forgiveness that Fedloan had the power to decide to hold on to loans nearing forgiveness. I thought for certain I would be one of them as several people have stated that they received letters stating they were NOT going to be transferred to XXXX and would stay with Fedloanthese are people with whom I share similar or exact timelines. Do you know what happens to those of us who transferred to XXXX, with only 1 or 2 months before reaching forgiveness? Our counts reset to XXXX, as XXXX has to REVERIFY all of the counts that Fedloan already did! The timeframe for this is anywhere from 60-90 days. 60-90 DAYS!!! This means that those of us expecting forgiveness in XXXX, XXXX, or XXXX may have to wait until XXXX, when loan repayments begin, to be forgiven. My current count is 118 of 120 ; I will have to resubmit a new XXXX form to XXXX. I am currently in PSLF purgatory ; my loans have been transferred from Fedloan to XXXX but I am unable to create an account at XXXX because they dont OFFICIALLY have my files. This streamlined version of PSLF is a total XXXX-show!!
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/1922, I called Fedloan to ask for a refund for payments made during Covid period under Cares act. It has been over 4 months and still havent received a refund. I called again on XX/XX/22 and checked on the status of the refund and they said I never requested a refund. I have email documentation and phone records showing I requested the refund.
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/24 I requested a refund for my paid-in-full loans over the phone with FedLoan for payments I made during the coronavirus pandemic, according to the CARES Act. I was originally told that I would see my balance reinstated in 7-10 business days. I called back a few days later to confirm my refund request had gone through and they updated my wait time for balance reinstatement to 30 days. I understood that they were overwhelmed with requests, so I did not complain. I called back about a week later and they now say it could take up to 6 months to see my balance reinstated. In order to apply for loan forgiveness, I need to submit my application by the end of next year and I am starting to worry that my wait time is increasing exponentially. Furthermore, on my most recent call with FedLoan they lied to me and said they were sure that paid-off loans would not qualify for the one-time loan forgiveness program. The Department of Education clarified a couple of days later that my loan would, in fact, qualify. FedLoan shouldn't be giving information to borrowers unless they are sure about the guidance they are interpreting.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The Companies involved include XXXX and XXXX. XXXX inherited this issue from Fed Loan. As of XX/XX/XXXX I completed my 120 payments for loans 4 and 5. I submitted in July my paperwork indicating I was still working for a public service agency. After finally, correcting its miscalculation in August Fedloan credited me for 2010 payments. Still they credited me up to XX/XX/XXXX. I am fine with that. But I should not have to submit anything more to start the formal loan forgiveness. As my employer already signed a form in XX/XX/XXXX. I am attaching what I submitted at that time. Please note the forms were used to credit me for 120 payments and therefore the signatures and information should be sufficient to forgive my loans.
Company Response:
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I submitted an Employment Certification Form ( ECF ) TO FedLoan for my employment at the XXXX XXXX XXXX XXXX and XXXX ( XXXX, a XXXX XXXX XXXX ) signed XX/XX/XXXX however I had the wrong EIN on the form. I mistakenly had XXXX but on my W2 the EIN is XXXX. This was corrected in the fedloan servicing system on XX/XX/XXXX and sent to DOE for a review. On XX/XX/XXXX FedLoan confirmed for me that DOE had approved XXXX, but FedLoan denied the ECF because my loan had already been forgiven ( XX/XX/XXXX ) I never received a written determination on the XX/XX/XXXX ECF. I was told verbally on XX/XX/XXXX that it was denied but written correspondence was not sent to me. I asked for them to manually override this and send a letter. None received to date XX/XX/XXXX. Including this APPROVED employer will change my forgiveness date ( currently XX/XX/XXXX ). Payments from XX/XX/XXXX through XX/XX/XXXX will count towards PSLF. A total of 44 more payments should be applied. This puts my forgiveness date as XX/XX/XXXX and entitles me to a refund from XX/XX/XXXX through XXXX of XXXX when COVID forbearance began. I spoke with XXXX # XXXX at Fedloan and she confirmed that the XXXX ECF should have been processed first and applied in full before forgiveness was applied. I have also been advised to submit this reconsideration by the Ombudsman as a means to resolve my complaint # XXXX. I did so on XX/XX/XXXX, case number XXXX. On XX/XX/XXXX I was told by XXXX at the Federal Student Aid Info Center that review was complete and to watch my email for the decision. On XX/XX/XXXX The Federal Student Aid Info Center sent me an email in response to my inquiry that said they are " Unable to see the documentation of the reconsideration. '' I have called several times and gotten the same response from numerous reps. This is odd as XXXX from that group told me in XXXX that it was resolved. This is critically important to me as I am a XXXX patient and have extreme medical bills. My situation, where forgiveness was applied before all employers were deemed eligible is a textbook case that should be eligible for reconsideration and all of it was due to one small error on an EIN. I do sincerely appreciated forgiveness. I am also concerned about the delay as the limited PSFL waiver is ending on XX/XX/XXXX. My account is still with FedLoan, not XXXX. FedLoan says the DOE must issue a new forgiveness date. FYI I resubmitted the XX/XX/XXXX ECF on XX/XX/XXXX as it has been almost a year and received acknowledgement that it was received.
Company Response:
State: NC
Zip: 27514
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made my first request for a refund of payments made during covid on Monday, XX/XX/XXXX. The representative stated that because I had paid off the loans during covid, and they did not have a balance on XX/XX/2022, they would not be eligible for forgiveness even with a refund. I have come to learn that this is not true as their origination date is far earlier, XXXX. FedLoan Servicing needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled. These refunds are taking up to 150-200 days with no email or paper trail confirmation. I was not provided with a confirmation email, and anticipated dates, and was led to believe the loans may not apply for forgiveness. Many people are getting their refunds much faster with other loan providers, but Fedloan Services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about FedLoan services. HELP US PLEASE
Company Response:
State: ME
Zip: 04005
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: AES/PHEAA closed the previous complaint. Re-opening as a new complaint. This complaint is not a duplicate because they never resolved any of the concerns related to that complaint. We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT Past inquiries were made to AES/PHEAA to prevent certain AES/PHEAA employees from accessing my information. This is my right to prevent any targeting against me by any AES/PHEAA employee . Any employee encounter that I've had at AES/PHEAA where the employee raised their voice, had tones of sarcasm, tried to bully me or tell me what to do are hereby barred from accessing my information indefinitely. Any attempt to access my information by any one of these employees will be seen as an act of retaliation or defiance. I may occasionally send Freedom of Information Act requests to force your Agency to provide security details as to who has accessed my information or if that information can only be privileged to Federal Agents, I may engage an attorney to obtain that information. Unfortunately, because of the incident that occurred in the past with an employee by the name of XXXX, I can not trust your Agency to employ the right individuals to protect my information or keep it from getting into the wrong hands. This is a serious demand and I would strongly suggest you oblige. I would also strongly recommend screening some of these employees for mental health issues or substance abuse. It is not normal for employees who are supposed to act professional to act the way they have in the past or that way at any time in the future. Thank You.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A