Date Received: 2018-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am writing to have the erroneous information American Education Services ; also known as AES is reporting to the following agencies XXXX, XXXX and XXXX removed from applicable credit reports listed above. AES is obligated per the Fair Credit Report Act section 611, to investigate, validate and report accurate information and is in clear violation of statute. Please see section below : if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In XX/XX/XXXX AES transferred loans to XXXX, incorrectly reporting that accounts were 30 days past due in XX/XX/XXXX and 30 days past due in XX/XX/XXXX, damaging both applicants and cosigners credit worthiness, resulting in a XXXX point reduction in XXXX score and denial of housing for applicant as credit score dropped from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. Further review of information provided will show : Per representative XXXX in the office consumer advocacy. XX/XX/XXXX payment was applied incorrectly, therefore, XX/XX/XXXX payment WAS NOT 30 DAYS past due. Attached payment for XX/XX/XXXX was made directly to new loan service provider, Navient and posted to account on due date of XX/XX/XXXX therefore, XX/XX/XXXX payment WAS NOT 30 DAYS past due. Private student loan was originated by XXXX XXXX, and sold to Navient, sent to AES for servicing, and transferred to XXXX back to XXXX in XX/XX/XXXX. Though requested, none of the lenders listed above were able to provide a full disclosure of payment applications, showing last payment applied to account as being XX/XX/XXXX. Additionally, In XX/XX/XXXX ; I was diagnosed with XXXX XXXX XXXX XXXX XXXX, specifically, XXXX of the XXXX. I underwent XXXX on XX/XX/XXXX to remove XXXX from my XXXX and started a six week course of XXXX XXXX. Due to XX/XX/XXXX of XX/XX/XXXX, I was unable to work and was receiving XXXX at 50 % of my normal salary. Even with substantial cut to my pay, I continued to make monthly payments on referenced loan. On XX/XX/XXXX, I was unable to eat or swallow and was taken unconscious by ambulance to XXXX XXXX XXXX XXXX, in XXXX Arizona where I remained through XX/XX/XXXX. During my time in the hospital I had three XXXX XXXX to insert a XXXX XXXX as I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( please see notes in final report stating patient was hospitalized due to XXXX XXXX XXXX. ) Due to the fact that I was receiving XXXX, I was driven by ambulance from the hospital to XXXX XXXX XXXX XXXX daily to receive treatment. I made a payment on account in question on XX/XX/XXXX, and web payment on XX/XX/XXXX which did not post immediately as I requested, as well as Payments XX/XX/XXXX, and XX/XX/XXXX to Navient. Due to be in a coma, a payment was not made in XX/XX/XXXX, however, as previously AES Representative XXXX in the Pennsylvania Higher Education Assistance Agency Office of Consumer Advocacy ( branch of AES ) stated that the payment made in XX/XX/XXXX was INCORRECTLY applied by AES causing inaccuracies reporting for XX/XX/XXXX. The 30 day / account closed derogatory remarks recently reported to corresponding credit agencies on these accounts has caused XXXX and myself serve and extreme repercussions. XXXX is in the process of looking for new housing in the competitive XXXX XXXX her and with the drop in her credit score is unable to now rent an apartment, or find a room to rent. I may not be able to continue with XXXX care as needed to access a private lender to seek treatment ( such as XXXX XXXX ) due to now reported credit history. It is imperative that AES correct this situation immediately in accordance with the FDCRA. AES received dispute letter on XX/XX/XXXX, did not inform CB 's of dispute, and did not respond to dispute until XX/XX/XXXX- well past 30 days allowed for investigation plus they did not correct erroneous error ( s ) that accounts were 30 days past due even though check copies were provided. Lender ( s ) could not provide complete accounting of payment application as requested.
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX ( XXXX ) has placed erroneous information on my Credit report. The Co-signed l oans that were included in my Bankruptcy was changed to " Charge Off ''. I have provided proof that those loans were included in the Bankruptcy. The Bankruptcy was discharged on XX/XX/XXXX - which is why the loans for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were included. XXXX fraudulently changed the accurate information. I would like a copy of the " Discharged Debtor '' report that was supposedly sent to NCT in Yr. XX/XX/XXXX.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This complaint isn't about the company per se XXXX XXXX. The complaint I have is that I currently owe approximately 50K in student loans. I have been trying to pay what I can, but am struggling to make those payments in addition to my other obligations. When I went to college, I had to pay full tuition. Now, in NYS they have free tuition options to state schools which is where the vast majority of my student loans came from. I think that it is unfair that I have to pay back the loans that were accrued when I was attending 2 state schools, XXXX XXXX and XXXX XXXX XXXX XXXX College. I realize that when I attended XXXX XXXX College and XXXX University online those would not have been in that category. I just find it unfair and disheartening that I am unable to make any dent whatsoever in the loans and hoped at least the loans accrued while attending a state school could be forgiven. I wrote to the company to try to get contact information for someone I could speak with about it and wrote to some people in the NYS Dept of Education, but have not heard a response. I am just looking for help and assistance and hoped that being a XXXX XXXX XXXX, maybe I could get some help. Thank you for your time.
Company Response:
State: VT
Zip: 058XX
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The Company Pennsylvania Higher Education isnt managing my loan account correctly. On XX/XX/2018 I received a letter notifying to recertify for the Pay as a You Earn repayment plan. I submitted all my paperwork before the due date. I submitted my paperwork several times, the last time was on XX/XX/2018. I called to verify with them if they received my papers and the operator said that everything was okay. Later on I received a letter saying that the Repayment plan was denied. That in that month of XXXX I have to play {$1000.00}. Amount that I didnt have. I called immediately and they stopped the direct debit transaction. But the problem still is that I submitted my paperwork on time and they failed to process my application correctly. This situation is really frustrating. As a consequence of them not managing my account correctly I missed one of the payments towards the loan forgiveness program. I will really appreciate your help. I honestly dont know what else to do. I called to solve it almost daily and they dont know what they are doing. Thank you for your help! I just want to pay correctly my student loan.
Company Response:
State: PR
Zip: 00949
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XX/XX/XXXX my loan servicer, XXXX, sold my loan to XXXX. At the same time I applied for PSLF. At that time I met ( and still meet ) all the requirements for PSLF - 1 ) I have been a XXXX for nearly 10 years, 2 ) I had a direct loan 3 ) I have been in an income-driven repayment plan and 4 ) I have worked for a qualifying employer - XXXX/XXXX XXXX with a XXXX XXXX XXXX. XX/XX/XXXX/XX/XX/XXXX, I was notified by XXXX that I had 0 qualifying payments. XX/XX/XXXX, I contacted XXXX to review payment tracking and request manual review of qualifying payments. I was informed that the manual review process would take up to 6 months. XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to inquire why I had not received information regarding the outcome of the manual review of qualifying payments. At the time I spoke with both representatives as well as a supervisor. I continued to be told that they were " backlogged '' and that I would have to wait. XX/XX/XXXX, I contacted CFPB to understand the complain process and file an online complaint. I contacted XXXX again to obtain the status of my qualifying payments review and verify history of my correspondence. I have been waiting nearly 1 year and XXXX has still not completed or accurately reflected the number of qualifying payments I have towards PSLF.
Company Response:
State: CA
Zip: 93291
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been making my payments on time since I graduated in 2014. It started XX/XX/XXXX when I received a phone call from the company stating I owed over {$2000.00} even though I received a statement each month and it showed I owed {$0.00} for the month ( I still made the same payment I had been making of {$300.00} each month even if it showed {$0.00} due ). I stated this on the phone to the agent and I got escalated each time and the the 3rd agent agreed with me that something seemed wrong and that I had in fact been making payments. He indicated he thought something with wrong with their system and my account it they had recently gone through an " audit ''. He said he would send this to their expert for research and to not make the $ XXXX payment their system showed me as owing, but to still make my payment of {$300.00} on or before my normal due date of the XXXX. I never heard back from the company and called every two weeks or so until my loans finally I reached an agent who could explain the situation. Meanwhile my some of my accounts ( but not all strangely ) were reported to the CBR 's as past due which tanked my credit score and is preventing me from getting a more favorable rate. When i spoke finally with an agent, it seemed their system inadvertently miscalculated or messed up my account and they were going to try to fix it. I was told they would reach out to me once it was fixed but never heard back from them again. My accounts were finally reported as current to CBR but my score still shows past due payments on my account and my score has not gotten better. In addition, I never received any follow up from the company saying it was taking steps to fix my account or my credit they incorrectly reported. I did receive a few days ago finally a letter which does show my account not messed up anymore, but nothing still from them regarding fixing my credit or any other restitution due to the stress and impacted credit score they caused. I will be reaching once again to the company after submitting this complaint. I feel this was unfair and abusive towards me which caused me harm. I am making this complaint in an effort for the company to take notice and not just file my account away as one more statistic and hopefully someone takes action.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is the letter I sent to the XXXX XXXX center outlining the details of my complaint : XXXX XXXX Dispute Center : I am a consumer with a clean repayment history over 14 years of repayment on student loans both XXXX and XXXX since initial disbursement in XXXX. Account # XXXX In XX/XX/XXXX I re-financed my student loan to a private lender to save on my interest rate. In XX/XX/XXXX my XXXX was paid in full by XXXX XXXX. During the interim as the bank paid out and you ( XXXX XXXX XXXX ) received and credited the payment, I continued to make my payments diligently. As a result, I accrued a credit of {$2700.00}, due to XXXX XXXX over paying the balance on my account. I was told it would take 30-60 days for this reimbursement to be credited back to XXXX XXXX. At 3 months ( I waited 90 days to allow reasonable time for processing ) when I had not seen the credit go though, I called XXXX XXXX to inquire. At this time I found out the reimbursement had not even been initiated ( XX/XX/XXXX ) leaving the representative I spoke with confused as to why it was taking so long. He told me if I did not hear anything in 5-7 business days to call back. Because I am an extremely busy professional and my time is valuable I did not have a chance to call back right away. But I have overall spent at least 3 calls with wait times to XXXX XXXX as well as checking with my new loan servicer on a quick and helpful phone call to them to make sure the reimbursement was in fact not received. The representative at my new loan servicing center was shocked to see the reimbursement had not gone through noting we generally would have received it by now. This is further evidence XXXX XXXX did not process my refund in a timely manner. MY DILIGENCE. On XX/XX/XXXX, I spoke with a very helpful XXXX ID # XXXX who took a lot of time researching the refund and didnt seem to have clear records so I had to tell her the situation, but she was able to see that the refund had been initiated on XX/XX/XXXX and should be to XXXX XXXX in ANOTHER 30 days. She tried to deter me by stating there was no way they could authorize and additional refund and when I asked to speak with someone who could she put me through to XXXX at ID # XXXX, XXXX was unfriendly and unhelpful and a brick wall for answers, she told me to write a letter. After hours spent on the phone, months of waiting I am asking that you REVIEW MY ACCOUNT, I believe there was negligence on XXXX part on not issuing my refund in a TIMELY manner, costing me at LEAST ( I rounded down my conservative estimate ) {$130.00} of added cost paying interest on money I had already paid to XXXX XXXX and money I had already paid interest on. MY REQUEST An additional amount of {$130.00} be issued ( via the same route the {$2700.00} was issued ) to XXXX XXXX to decrease the principle loan amount as owed to me due to XXXX XXXX delay in timely reimbursement. If I had delayed a payment to XXXX XXXX for 2-4 months I would have been charged significantly more than this in fees and finance charges. I am NOT asking for compensation for my time nor the amount of income XXXX XXXX likely made on that money over the 6 months my refund was delayed. SUMMARY I have had an exemplary repayment history and I request that you reward my diligence by admitting your error in untimely processing of the refund of over payment and providing restitution to correct this error. I believe this request is reasonable and fair. This letter has been copied and submitted to Oregon State Representatives and the XXXX XXXX XXXX I expect this {$130.00} refund be issued and Credited to XXXX XXXX in an efficient, timely and reasonable manner. Thank you for your time and consideration. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: To whom It May Concern : In XX/XX/XXXX I made what I thought would be a life changing/improving decision to attend the University of XXXX to become an XXXX XXXX XXXX. However, after obtaining my XXXX, I decided to switch my major to become a XXXX XXXX. My counselor suggested I switch to XXXX XXXX XXXX to fulfil my wish to become a XXXX XXXX. To my surprise, just before graduating with my XXXX XXXX XXXX, I learn that my degree did not qualify me to take the exam to become a Louisiana Licensed XXXX XXXX. I phoned my counselor to learn she was no longer with the department and was assigned a new counselor, who apologized but offered no explanation for this major miscommunication. After graduating I came to the rude awakening that the degree I dedicated four long years and $ XXXX to wasnt anything more than two expensive pieces of paper. During my time at XXXX the school highlighted its creditability with employers with the XXXX XXXX campaign, which was another misleading advertisement. However, I learned that XXXX was not an accredited school during my attendance, yet I was informed by XXXX they indeed were an accredited school. After graduating it took almost a year to land a job related to my field making $ XXXX ( this was in XX/XX/XXXX), today ( 5 years later ) Im finally making $ XXXX. Due to the rate of pay, my student loans remain in deferment and I dont know how I will ever repay them with the quality of my degree. As I apply for positions I meet qualifications for, I am learning that my degree is not recognized by employers and my resume is not considered for the position because of my XXXX degree. As an adult student, I took my education very seriously graduating with a XXXX GPA. I am very proud of myself for this accomplishment because with online classes it is up to the student to succeed ; meaning the student basically self teaches and the teacher simply provides grades for assignments they post. However, employers never get the opportunity to see the superior qualities and skills I possess because my degree stops employers dead in their track when reviewing the resume. I am very upset that I put myself and my family in a financial crisis with the promise of a brighter future. I realized up front that the investment would be a large one, but with the encouragement from XXXX counselor and family it was one I was willing to take. However, I have come to realize that my degree was a $ XXXX scam and attending XXXX was the ringleader in this scam. Please help me get justice. I was highly misled by XXXX, turning what was intended to be a step up on the ladder of life ; yet turned into a nightmare I can not afford nor wake up from and Im drowning at this point. Thank you, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX IRN : XXXX Attendance dates : XX/XX/XXXX-XX/XX/XXXX
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I work for XXXX XXXX as a XXXX XXXX. I have been employed there for 13 years. I have been paying on a XXXX degree for 5 years. I received information through a work email that I may qualify for a loan forgiveness program through the Federal government. I applied and was accepted. Before my first payment was due I received another email that stated I applied for the wrong program and to reapply for one based on income. I did so and was accepted. I only had a small payment due on the original transfer as the whole payment had not been figured out yet. My first payment through the University of XXXX ( Fedloan.gov ) site was {$340.00}. I immediately called the company and spoke to customer service and told them that my original payments were only {$310.00} prior to any transfers at 6.8 % interest why did my " loan forgiveness '' payments go up? I was told that my problem would be referred to their account problem department. I never received any correspondence. The next month my payment remained at {$340.00}. I called again and was told that they do see my prior request and would request again. Now my 3rd payment is still {$340.00}. I emailed The University of XXXX complaint department personally 3 weeks ago with no response. I sent a second email one week ago stating my dismay and fear that this company is fraudulent. I still have no response. I also have complained at the first three requests that I also have never received any disclosure paperwork.
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I called XXXXXXXX XXXX today XX/XX/18 to pay off my remaining balance of {$3500.00}. I was told that my payment couldn't be processed because they do not except Credit Cards nor Debit Cards. I was never told this prior to taking out a loan. The company says that they are non-profit but obviously they are profiting off of students interest rates. The person I spoke to gave me a sob story about how they have been burned in the past with stolen Credit Cards and that is why their policy is the way it is. Then later in the conversation she said well we never excepted Credit Cards nor Debit Cards ... misleading and lying to students doesn't really seem professional. I want to pay my student loan off, I have great credit, and a 0 % interest rate for 15 months. So what is the real reasoning for their idiotic policy? Tender is tender, why hasn't XXXX been introduced to the 21st century?
Company Response:
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A