Date Received: 2018-06-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: In XX/XX/XXXX, I communicated in writing to PHEAA via certified letter with return receipt seeking an investigation on the entries they were reporting on my credit report. To date, over 60 days later, I have received no correspondence from them. PHEAA has not attempted to respond to my request, yet when I disputed the inaccuracy of these entries with the credit bureaus, the bureaus responded that the entries were verified. This response prompted my communication to PHEAA. PHEAA has reflected late payments from XX/XX/XXXX thru XX/XX/XXXX. I do feel and believe that these entries are erroneous. I keep all of my records regarding student loans and I take full responsibility for my obligations ; however, having not ever received any information nor communication from them regarding the alleged delinquencies has me baffled. Additionally, the reporting among the bureaus for these accounts vary. How does the same alleged accounts on the 3 bureaus vary in the payment history? PHEAA does not even reflect payment history on the XXXX report? How so are the entries validated? If PHEAA is truly reporting accurate information, they should have been able to respond to my request and justify these entries with the corresponding documentation that substantiates the reportings. To that end, these entries should be deleted from my report immediately.
Company Response:
State: GA
Zip: 31558
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/XXXX, I received a XXXX Grant of {$4000.00}. The terms of the grant were as follows : 1 ) XXXX in a XXXX XXXX ( XXXX ) 2 ) XXXX in a high-needs XXXX ( XXXX XXXX ) 3 ) Do so for four of the subsequent 8 years. I have XXXX XXXX in XXXX XXXX XXXX for the subsequent 9 years. The XXXX XXXX website is a horrible thing, but I continuously sent in notes saying that I was working in a XXXX XXXX XXXX XXXX XXXX. I had other, larger, loans to forgive and I knew ( or thought I knew ) the terms of the agreement so I wasn't worried. At several points I noticed that there was no XXXX Grant link on my loan page ( when I could get to it -- the website is a horror, remember? ) and contacted them. At one point in XXXX, I talked to someone on the phone and arranged to submit three years of certification at once. Had I known of these issues, I would have submitted a fourth year -- I had plenty, it's just that I had three forms readily available. I thought I would just submit the fourth year in the XX/XX/XXXX, which is when I usually did paperwork. I did get warnings through this time, but I'd been getting warnings throughout the process. They reconverted my grant several times without ever indicating I was failing to do some essential thing. The essential thing, which was probably mentioned somewhere in the paperwork but was NOT mentioned in the phone call, was that I had to recertify every year. I never recertified, to my knowledge. All I ever did was call them up and ask to have it converted back to a grant because they'd screwed up and I was still teaching math in a Title I school. Then in XX/XX/XXXX when I went to submit the last year, I was told that I couldn't submit, that it was permanently converted to a loan, that there was no recourse. I argued with them for months, and at no point did they mention that I could have appealed to an ombudsman. They said that loans are never converted back to grants but they are, and I have the email showing they converted mine, and that they accepted three years after the fact. But they won't accept ONE MORE YEAR of proof. Instead, they have converted the grant to a loan and charged me nine years interest. The " annual recertification '' is a joke. First, it's not routinely mentioned in the publication of the XXXX grant ( although I'm sure I saw it in the loan papers ). Second, I have told them every year I intend to teach. Third, they are denying me this entire grant and charging me interest because they refuse to accept proof that I've met the terms of the grant. In other words, they are hitting me with a XXXX penalty and 9 years of 6 % interest because I missed a deadline for one quarter of the evidence needed, even thoguh I have the evidence and tried to submit it long before they converted it formally into a loan. This is a huge problem for many people, but I don't know that many who have been hit with 9 years interest who have likewise worked in the service area required for nine years.
Company Response:
State: CA
Zip: 94061
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
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 were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Made payments, verified taken from bank account, and never showed up towards loans on XXXX XXXX website. They are stealing money.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-23
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XXXX XXXX XXXX Complaint # XXXX Response Date XX/XX/18 Issue is that I was charge a high fee of over {$14000.00} I call them and told them I disputed the high fee for deferred payment I had. They act I cant dispute the amount. I want the loan put on hold until the documents and a clear understanding is to the loan. XXXX XXXX XXXX did not resolve my issue with my complaint and when talking to them you get pass around from one person to another.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2018-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loan was transferred from XXXX XXXX to American Education Services. I received a letter saying that the loan would be transferred. The day after that date I logged into the American Education Services webstie ( www.AESsuccess.org ) but I couldn't see anything, I contacted their customer service and was told it would take 72 hours, at most, for the information to be uploaded and that I should check back on XX/XX/XXXX. Today, on XX/XX/XXXX I tried to make another payment and still could not see my loan information. Again I contacted customer service, and again they could tell me nothing about my loan other than that they were working on it and that it would take until XX/XX/XXXX. When I inquired if that date was certain or if it might take longer the customer service rep basically responded with " it might take longer '' and that I was not the only person who had a loan transferred from XXXX XXXX to American Education Services.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/2018, XXXX XXXX informed me that my monthly payment for my Revised Pay As You Earn plan had increased from {$270.00} to {$510.00}. To date, I have not received any explanation as to why my payments almost doubled. I am in the same repayment plan and my salary has not exponentially increased. When I called XXXX XXXX and requested an explanation about how the payments were calculated, I was not provided with an explanation. I have also sent them an email requesting an explanation, but I have not received a response. I am now wondering whether any outstanding interest was capitalized at the time of my recertification ( even though I timely recertified ), causing an improper increase of my monthly payment amount. I also requested a lower payment, because I can not afford to pay almost double what I had been previously paying, but I was advised that {$510.00} is the lowest payment available to me at this time ( without seeking a forbearance, in which I am not interested ).
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XXXX XXXX XXXX is currently managing my loans. I have been in contact with them and on the phone every month since XX/XX/2017. My loans were being serviced by other companies before I transferred them to XXXX XXXX XXXX, and they continue to tell me that my loan payments from the old service companies " have to be processed '', but they have been telling me the same thing for 8 months now. I have made 120 on time qualifying payment, but most of them were to other service providers before I transferred to XXXX XXXX XXXX. The biggest problem for me is that have been family planning for years and setting up not to have to continue to pay on these loans, expecting them to be forgiven. Any help would be appreciated.
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: After graduating from XXXX University XXXX XXXX XXXX XXXX in XX/XX/2006, with my XXXX XXXX XXXX in XXXX XXXX, I began to repay my loan thinking I would eventually qualify for the Public Service Loan Forgiveness ( PSLF ) program. After working in a XXXX XXXX in XXXX for 7 years and making 84 payments ( out of 120 payments ) needed for the PSLF Program, I was told that I was in the " wrong '' repayment plan the whole time, and they would not be able to count these payments towards the PSLF. After I left the school district in XXXX, I came to XXXX XXXX and have been working in the XXXX XXXX for an additional 6 years. I have now paid 72 payments towards the PSLF Program. I am angry that XXXX XXXXXXXX XXXX is not counting my time in XXXX towards my loan forgiveness, and have rejected my application. My husband is a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran, and is unable to work. XXXX XXXX XXXX has since raised my payments to over $ 500/month. It is completely unaffordable. I have the time in and have spent thousands of dollars toward a program that THEY changed the guidelines for.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I transferred my loans to XXXX XXXX over a year ago. They still haven't processed my paperwork correctly. They continue to tell me there will be a wait of up to six additional months to assess my account and paperwork.
Company Response:
State: ID
Zip: 83401
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A