Date Received: 2018-07-21
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: I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2018-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-22
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: I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, AES/XXXX XXXX XXXX opened XX/XX/XXXX, Aes/XXXX XXXX XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Company Response:
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2018-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I recently graduated from XXXX school on XX/XX/18 and prior to this I have been a student full time. As The XXXX confirmed by the letter on XX/XX/2018 sent to me : XXXX, the In-School Deferment on your student loan ( s ) will expire on XX/XX/2018. Youre scheduled to start making monthly payments ON XX/XX/2018. So, I have the times is 30 days to finding the money in order to make payment? I thinking this Scheduled repayment is very great to me for ( ( Im starting my XXXX XXXX XXXX on XX/XX/18 ) ). But, I dont know why : *The AES asked me to make the payment {$430.00} ( Due by XX/XX/2018 ) while Im still a student full time. And *The AES asked me to make the payment {$660.00} ( Due by XX/XX/2018 ) At this time that I recently graduated from XXXX school on XX/XX/18. I am writing to request that the AES/ credit report be corrected to reflect that my co-signers ( XXXX ) and I am no longer delinquent.
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2018-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX manages my loans but is incorrectly recording the number of qualifying payments I have made toward Public Service Loan Forgiveness ( PSLF ). I had multiple email exchanges with their department of Consumer Advocacy last year to try to straighten it out. Below is the text of a letter I sent to XXXX in XXXX, I have received no response. " XXXX Dear XXXX XXXX I am writing in regard to my Public Service Loan Forgiveness tracking. I believe your records are incorrect as to the number of qualifying payments I have made on my loans. I checked with XXXX, who held my loans before they were transferred to XXXX ( I also attempted to check with XXXX, who held my loans before XXXX, but they no longer have records on file ). XXXX records indicate that I was on an Income Based Repayment plan from XX/XX/XXXX through XX/XX/XXXX for one of my loans, and XX/XX/XXXX through XX/XX/XXXX for the other. ( Obviously, the latter time period includes payments that are ineligible because they were before XX/XX/XXXX and there was a gap from XXXX when I returned to school so my loans were deferred. ) The paperwork I received from XXXX on XX/XX/XXXX lists these payment periods as being on an ineligible repayment plan but does not list which plan. IBR is eligible, so I wonder if there was not a mistake made when my loans were transferred from XXXX to XXXX. I received another message from XXXX recently adjusting the number of remaining payments, but this is still not correct. If XXXX asserts that I was on an ineligible plan, I would like to see the documentation indicating exactly which plan I was on for each payment I have made ( to XXXX, XXXX, and XXXX ) over the course of the life of these loans, beginning in XXXX. Documentation from XXXX is attached. I have been very disappointed in the way my account has been handled, months go by before I get a response to messages, and out of the blue I get notification that youve removed more of my qualifying payments without providing justification. '' Here is text of one of the last emails I sent to their office of Consumer Advocacy last summer, the issue has not been resolved. " XX/XX/XXXX, XXXX XXXX to Office Hi XXXX I am following up on your phone call from XX/XX/XXXX regarding the status of my PSLF application. I have reviewed all of the documents available to me on XXXX. The number of qualifying payments has been updated ( as of XX/XX/XXXX ) but are still not correct. I am pasting below summary information about my payment history based on my employment dates. ( I don't have actual school separation dates and grace period/deferment dates, so I have tried to make conservative estimates ). The paperwork I have received from XXXX does not match up with my calculations. I would like to see information about why certain payments did not qualify. All of my employers have been qualifying entities ( education/non-profit ) and I believe that I have been on some sort of income-based plan since the start of my repayments in XXXX. I know that I had changed which type of plan and had direct debits put on hold during plan changes or annual re-certification, but each time I asked customer service representatives if that would affect my PSLF plan and was told not to worry, it would not. I also know that my loans have changed hands ( XXXX XXXX, XXXX, and now XXXX ) so I am hoping that is not the problem. So, the first question is which payments did XXXX consider to be qualifying and which did not? I would like documentation of this for my records. The second question is why both of my loan accounts have not had an equal number of qualifying payments since XXXX? Note that during my time at XXXX, only 2 payments counted toward one loan and 4 toward the other loan. Is there some sort of issue where my monthly direct debits are not paying on both accounts? You may reach me at [ cell number ] if you have questions. Thank you for your attention to these issues, XXXX Date Employment/Loan Status XXXX. XXXX Left school to work for XXXX XXXX XXXX XXXXXXXX XXXX XXXX 6-month grace period ends, payments begin XXXX XXXX XXXX Program begins to track qualifying payments XXXX. XXXX Returned to school, loan payments deferred XXXX. XXXX Graduated, grace period begins XXXX XXXX XXXX Started work for XXXX XXXX XXXX XXXX XXXX 6-month Grace period ends, qualifying payments resume XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Started work for XXXX XXXX , payments continued XXXX XXXX XXXX Employment continues, first date certified at XXXX XXXX dates XXXX should be 17 qualifying payments, not sure how many counted ( *no paperwork from XXXX confirming ) XXXX should be 15 qualifying payments, not sure how many counted ( *no paperwork from XXXX confirming ) XXXX should be 17 qualifying payments, only count XXXX XXXX should be 4 qualifying payments, only count 2-4 Dates Employer Total qualifying payments for which documentation was submitted XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 Grand total 53 '' I have a number of other complaints about XXXX and how they handle my account, but I recently learned that thousands of other people have had similar problems with the PSLF records. I hope there is a solution.
Company Response:
State: IA
Zip: 506XX
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am in the Public Service Loan Forgiveness program with XXXX XXXX. I received a summary of my qualifying payments in XXXX. It left off 3 obviously ( and previously ) qualified payments I made. Since XXXX, I have called multiple times to have these qualifying payments recalculated and I keep getting differing opinions about how long it will take to do so ( three months was the average ). Now, it's been five months and I just called and now they say they're only working on requests from XXXX, 2017, 6 months prior to my complaint. To calculate forward from that, they're saying it will take about a year to correct their mistake!?? That is unacceptable to any one. What other financial institution will say to a customer that it will take a year to correct a mistake they made?
Company Response:
State: VA
Zip: 22903
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2018, I requested a second debt validation via certified mail. AES has failed under the FDCPA to furnish the following : 1. Proof of a permit number that they are licensed to collect a debt on North Carolina Consumers. 2. A copy of all the ORIGINAL documents required under the Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it. 3. A complete payment history on this account. 4.All original copies reflecting an agreement to pay the alleged debt. 5.Copies of all invoices, bills, and notices concerning this alleged debt. 6.If this debt has been purchased or assigned, AES has failed to provide a copy of all related agreements. 7. An explanation of why AES is not reporting on my credit report item is being disputed. 8. Evidence that AES is authorized and licensed to receive payments on this alleged debt. 9. The reason why AES / XXXX XXXX is not accredited with the XXXX.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX XXXX in XXXX, WI is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX in a case versus XXXX XXXX for a student loan that she got in XXXX. XXXX stop paying them in XXXX of XXXX and they sent me, XXXX XXXX, XXXX XXXX 's mother a letter stating my paycheck was going to be garnished. They didn't provide me with the proper information about the loan or information about the client, XXXX XXXX XXXX XXXX XXXX XXXX. When asking, the Representative, XXXX, phone number, XXXX, ext. XXXX for this information he said he's not giving it to me. A court date is set up for me on XX/XX/XXXX. I'm not sure if I trust this agent or not so I didn't provide them with any of my information. I'm not sure if the loan is in default or how the client got a hold of the loan because they are not a regular service or guarantor. They communicate through the lawyer 's company. I'm want to know why a payment plan wasn't setup first from the client before trying to garnish my check. Is this place legitimate or not, I'm not sure because I'm not receiving the information I need. I want to see the original loan form and promissory note for this loan before I pay anything to them. I am the co-signer and I did this if my daughter wasn't capable to pay it back, but she is and i have proof. Also, my daughter is not being cooperative with me either. She is working on her XXXXXXXX XXXX degree and has two jobs. She is capable of paying off her own loan. I don't know what she told them. I also tried settling with them twice.
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXXXXXX XXXX XXXX SC Attorneys at Law is not giving all the information I need for a Case between XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the law firm client. I'm XXXXXXXX XXXX XXXX 's mother, XXXX XXXX. I understand they had court in XXXX for her. She was paying the loan and stopped in XXXX of XXXX. They are trying to garnish my check without giving me any proper information about the borrower and loan. I want to see the original papers so I can know more about the loan. XXXX, phone number, XXXX, ext. XXXX is the rep. I've been in contact with and I can't explain anything to him. He is so rude. I believe if you are going to garnish someone's paycheck they should know more a bout the company, which is not a regular loan creditor. They are a trust place and more like a depositor. I told them I'm really not able to pay my daughter 's loan. I am the cosigner. My daughter has two jobs and is working on her XXXX XXXX degree. She just received XXXX and should have payed her dept I'm not sure if this place is legitimate or not that's why I didn't provide them with any of my financial papers. Case # XXXX File # XXXX
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Was contacted in XX/XX/XXXX by XXXX XXXX XXXX to take over my student loans from XXXX for a lower interest and loan forgiveness program. Made 4 payments of {$150.00} starting XX/XX/XXXX to XX/XX/XXXX. Total of {$600.00}. Was told the fee was for them to take over student loans and be my new borrower. Got several emails from navient asking about payments because they never officially took over the loans. Tried contacting them several times with no response. Started receiving paperwork from another company called XXXX XXXX XXXX. Contacted them and they said XXXX XXXX XXXX handed my student loans over to them in XX/XX/XXXX. XXXX XXXX services advised me to file a dispute at my financial institution to try and get my {$600.00} back because I should not have been charged to begin with and advised me to contact the trade commission and turn in XXXX XXXX XXXX.
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2018-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: First off I tried to choose the best options as possible basically the account I'm referring to went to default when my mother filed chapter XXXX bankruptcy as the cosigner putting this loan and immediately in the default given at the time I know that this was valid yet in my opinion of sketchy practice of the private student loans. As of recently they can no longer immediately go after balances or put these loans in immediate default when it cosigner files for bankruptcy as new laws passed in XXXX via Congress. The purpose of this complaint is mainly to get the charge-off removed from my credit report as I was in good standing but this is also part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiasco that's going on and I'm trying to settle with them at the same time but I feel via as that the charge-off account should be removed as it was a drastic measure and I was in good standing 4 months on months at the time. I feel for the time being at minimal the charge off that happened in XXXX of XXXX should be removed from my credit from all 3 bureaus via XXXX XXXX XXXX. As I stated there are new laws that were passed by Congress that protect private student loan borrowers to where the servicer can no longer immediately placed alone in default due to the cosigner filing bankruptcy and I would be happy to supply that documentation if needed to show those laws that were put into place.
Company Response:
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A