Date Received: 2018-07-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have recently tried to apply for a home loan. My lender advised that AES and XXXX XXXX has reported that I was late on my payment from XX/XX/2015-XX/XX/2015. When XXXX with student assist called the loan company she was adobes I never shld have been reported as late because I was on forbearance as my loan was being transferred from AES to XXXX XXXX. The home lender advised bc of it showing late even that long ago it affecting my credit report in a negative way. I tried to contact XXXX XXXX to get this resolved and the lady I spoke to wouldnt even let me explain the issue nor would she even pull up my account to assist me in fixing what is THEIR mistake!! She advised i had to submit a form so they could investigate and even then it could take them at least 30 days??? Unacceptable. I have never been late with a school loan payment and its not right its impacting me because of a mistake they have made. I did advise th rep that I would be filing a complaint with you and she stated thats fine.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a loan with XXXX XXXX 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 and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.
Company Response:
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I spoke to a representative that informed me on how to have my account put into deferment status. She walked me through the steps and told me that it was completed. Months later I received an email stating that my account was pass due, I then called into to the company again and spoke with another representative that reviewed all of the notes and informed me that all of the late payments would be removed due to their mistake but its still on my credit report.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2018-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hello. This complaint is a follow up to complaint XXXX. My apologies for not providing feedback in the allotted time. This is regarding getting a determination on my cosigner release request for the student loans owned by XXXX XXXX XXXX ( XXXX ). The loans are serviced through American Education Services ( AES ). I first filed this request in XX/XX/XXXX. I filed it again in XX/XX/XXXX. The response I received from XXXX on my previous complaint is not satisfactory. In effect, XXXX claimed it wasn't their responsibility, and I should contact AES. This is not acceptable. I have worked through AES trying to get a response from XXXX regarding my cosigner release for almost three years, since roughly XX/XX/XXXX. The problem is not with AES - AES has essentially told me their hands are tied and they can not force XXXX to provide a response to my request, and they just have to wait. AES has forwarded my paperwork to XXXX and requested follow up multiple times with no response from XXXX. This is my message to XXXX : is it absolutely, 100 % unacceptable to sit on this kind of paperwork for years. According to AES, they have sent it to you and followed up multiple times. According to all my available sources, you are the responsible party for reviewing and approving or denying the request. And, from all my available information, you have not done so for over two years. Again, this is totally unacceptable.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX, XXXX I began employment with a XXXX XXXX I received a letter on XX/XX/XXXX stating that I qualify for the Public Service Loan Forgiveness Program. I was given credit for 34 past payments from my previous school district. My estimated Eligibility Date is XX/XX/XXXX. When I received my qualification, I phoned XXXX XXXX to confirm and get any additional information that I needed. I was told that I needed to reapply every year to keep this program current. On XX/XX/XXXX, I phoned the company to see if I needed to reapply at the beginning of the school year or wait until XXXX to do so. I was told by the representative that I was not in the program and no payments have been made toward this program. Also, I did not need to reapply but fill out a new application to start the acceptance process over from the start and if I am accepted it will retroact the process. I did not matter how often I reapplied as the program does not give forward credit for my being accepted and everything is done " retroactively ''. This information appears to be in direct conflict from my previous letter of XX/XX/XXXX.
Company Response:
State: OR
Zip: 97070
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received a false statement saying my account was past due, when in effect, it was not past due. The direct debit was scheduled on a weekend, the next billing statement was generated during that same weekend. When I called to ask for a new statement, they acknowledged this was a problem with their software, know it is a false representation of my account, and yet, have no solution to fix this problem in the future. They also acknowledged my account is current, always has been current, and yet refused to re-generate an accurate statement reflecting that. I can only theorize that if this is occurring to me, it must therefore be occurring with other customers as well. They know it is a bug in their software, yet they continue to make these false billing statements causing people to believe their account is behind when in reality it is current.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have sent several requests to get my payments lowered and have been denied. They want me to pay XXXX a month and I only bring home XXXX every 2 weeks with XXXX children to take care of. So now I have to get back into college, take up more debt, because I cant afford these payments and it is stressing me out with every email that they send. I call on the phone and they just refer me back to the forms online. Then I didnt quality for the military discount because my loans are consolidated. But I completed the consolidation to have 1 low payment. So that means XXXX provided me with false information and I could have benefited from the military discount.
Company Response:
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XXXX has failed me at every stage of repayment. XXXX has violated the Fair Credit and Reporting Act ( FCRA ), Fair Credit and Reporting Act ( FCRA ) intended to protect consumers like me. XXXX should note that this is a case of financial mis-selling. XXXX engaged in knowing misrepresentation - the harm threshold is necessary for a lawsuit, given the present demonstrable actual damages and future damages. It is evident that I will suffer real damage as a result of this misinformation from XXXX. On XX/XX/2018 I called XXXX at XXXX XXXX I spoke with XXXX representative ( ID # XXXX ). I believe XXXX has a record of this call and the other calls I made in XXXX. If not, I can send XXXX my copy of the recorded call. I still haven't received any information from XXXX stating the XXXX payment has be correct from {$750.00} to {$270.00}. XXXX informed me when I called that the XXXX payment will be corrected from {$750.00} to {$270.00} because XXXX made a mistake by not sending me a notification of denial letter, informing me that my Public Service Loan Forgiveness recertification application had been denied. It's been 2 months and I still haven't received the letter with the adjusted XXXX payment of {$270.00} as promised by XXXX. I have sent 3 separate emails to XXXX and no response. Instead, XXXX has sent me a delinquency notification dated XX/XX/XXXX, because I informed XXXX that I am waiting to receive the letter with the corrected payment of {$270.00} or {$320.00} for XXXX before making payment. XXXX still hasn't sent me the letter with the corrected payment amount. Instead the have received the following letters from XXXX : Loan Sequence : 1 Financial Transactions letter dated XX/XX/2018 An approved interest capitalization letter dated XX/XX/2018 A second delinquency letter dated XX/XX/2018
Company Response:
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I just received my initial monthly bill ( dated XX/XX/2018 ), since XXXX servicing took over servicing my student loans. The monthly bill statement was inaccurate, as that shows that I have zero eligible Public Service Loan Forgiveness ( PSLF ) payments. This is totally inaccurate and does not reflect my eligible payments! By letter dated XX/XX/2018 ; I was informed that XXXX XXXX was selected to manage my federally owned student loans. In that letter I was informed that I could expect to hear back from the organization no sooner that 90 days from XX/XX/2018. As of XX/XX/XXXX, which is Friday, it will have been 90 since days since I received that letter. How can the organization portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payment history? This will actually be the 2nd complaint that I will have submitted about XXXX, in the short amount of time that I have been dealing with their organization. My initial concern, started after I received my initial communication from XXXX by letter dated XX/XX/2018 ; stating that I did not have any eligible loan types. This was inaccurate and not correct, as I received an additional letter from XXXX, dated XX/XX/2018, stating that in fact, I was eligible for the program, and that my employment had been certified. This is very disconcerting and causes me great concern about future dealings with XXXX!!!! My most current concern, is that I received a letter ( dated XX/XX/2018 ) saying that the XXXX organization had approved a Disaster Forbearance on my behalf. I never have, nor did I requested a Disaster Forbearance. This should be cancelled ASAP. In closing can you please tell me : How can XXXX portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payments? Sincerely, XXXX XXXX XXXX, XXXX , XXXX Enclosure : Printout from the Federal Student Aid website.
Company Response:
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hi, I consolidated my school loans with XXXX XXXX under the belief that my payments would count for eventual loan forgiveness after 120 consecutive payments. I am a full time local government employee and my employment was certified, but after 5-6 yrs. of payments, I have been told that none of those payments would go toward the forgiveness program. I was misled by XXXX XXXX. I recently consolidated with the right program after I sent the certification forms and found out. Something should be done. It's not right that I was misled. I went back to school at night and on weekends. I did so as a single custodial parent. This type of program would be very helpful to my financial situation. Please advise how this can be remedied. I made on time consistent payments through auto-deduction and it's not right that nothing can be done. XXXX XXXX
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A