Date Received: 2018-06-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I try contacting XXXX via their online message regarding payback and qualifying payments for Public health forgiveness program. They never respond and never show proof of messages. If you call to talk to agent, there is no paper trail and calls last for such a long time it isn't possible to call with questions. In addition, information given during the call does not correlate with activity on my account. There is no holding the cust service agent accountable to my actual account.
Company Response:
State: KY
Zip: 40741
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XX/XX/XXXX, I received a letter from XXXX XXXX indicating the total number of qualifying payments going toward my PSLF. This number is a complete MISCALCULATION. I called them immediately and asked them to review my file and they said to wait for the manual review. From XX/XX/XXXX-XX/XX/XXXX, I had contacted them 6 times asking for updates/status on the review process and every time they indicated that indeed it's still under review. Then, on XX/XX/XXXX, I talked to this rep who stated that my file was actually not under review and he will start the process for me. He did know why the previous reps told me that my file was under review. Then, from XX/XX/XXXX to present, I have contacted XXXX XXXX 5 times to ask for updates/status on the review process. Again every time, they say it's under review. I specifically asked to speak to their manager each time. I also suggested them to look at my file and they all agreed with the miscalculations, but stated that they can not do anything except to wait for the manual review to be completed. I have waited and waited. It has been over 1 year since this whole process started. I still haven't heard anything from XXXX. I'm frustrated that this whole process has taken this long and that the reps were giving false information to the borrowers. Please help.
Company Response:
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2018-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This account was removed from my credit report, but has recently been reported again as a new debt. Historically, there were payments made to three separate entities for this same account, but none of those payments are recorded in their system. I contact XXXX, XXXX, and XXXX in XX/XX/2018 to inquire, but they couldn't find me in the system. I was given the name of a law firm to discuss the matter with and upon speaking to them, they have now sent me a collection letter. These companies partake in predatory lending practices. I have requested contracts and other paperwork for my account, but they can't provide those items. These same companies were included in a federal lawsuit for the same reasons that I am experiencing and were ordered to dissolve all accounts. I would like that information.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX is showing 90-120 days late payments on credit report. I was told that I was in retroactive deferment. I was told that months that I had missed would have been taken care of but they are showing late on my credit report. The dates are XX/XX/2014 in three loans with XXXX
Company Response:
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I had received a XXXX XXXX for my XXXX XXXX at XXXX. When it came time to certify, I had my certification in on time, except I didnt have my social security number at the top of the page. They still were able to file it in my file. I was given an additional 30 days to send in recertification. My paperwork was in prior to the 30 day notice and before the grant was converted, but the grant was still converted. I have spent countless hours on the phone and filling out documents trying to get everything straightened out, with zero success. XXXX and the ombudsman line give zero help whatsoever. I would greatly appreciate any help you can give.
Company Response:
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XX/XX/XXXXI went to XXXX XXXX XXXX XXXX for about 2 years. I got a student loan to help me. I have been trying for nine years to get a decent payment to pay this loan back. My loans in the beginning was about 6 or 7 thousand dollars. Then I got a letter saying that my loans were divided into four loans at 6.8 % interest. I tried to consolidate, they said I couldnt because of the Direct loan. Im paying very high interest rates. Im getting nowhere, I owe around {$28000.00} and it just keeps going up. I got a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that if I didnt pay more money they were going to garish my wages. I called these people and ask about consolation, so they did that in XX/XX/XXXX this year, sent me a letter saying that I pay XXXX a month until XX/XX/XXXX. In between those times, I had to send my income tax return, check stub, all the documentation they ask for. Theyve sent me a letter every week saying they need this or that. So, I went online to XXXX I found out they were fake, so I dont have a clue as what I need to do. I work with the XXXX XXXX, XXXX XXXX. since XX/XX/XXXX. I was hoping I could get loan forgiveness with XXXX XXXX after 10 years. Im XXXX years old, Ill be on Social Security in 2 more years. Ive never made a lot of money all the years Ive been working, I just dont know if I can pay my bills and most of my check going forward student loans. All I would like to do, have a payment that I can afford and pay every month because theres no way I can get this paid off before something happens to me. Thanks, for listening
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: As of XX/XX/XXXX, I have made 36 student Liam payments, ranging from {$250.00} to {$290.00}, to XXXX XXXX since XX/XX/XXXX under the Publuc Service Loam Forgiveness program. XXXX reported that I only had 19 qualifying payments. However, I was never told the I repayment plan I had no longer qualified for the loan forgiveness program. Each time I applied for a repayment plan I called them and asked for help to assure this would not happen.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/2008 attended XXXX XXXX but is now XXXX XXXX the student loan balance that is being placed on my credit is much higher than anticipated contacted XXXX XXXX was informed the loans have sold out to various collection agencies have contacted several of these companies and their was no resolution solved these loans are really hurting my credit I cant purchase a home or anything I hope I can get some assistance with this situation
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Pursuant to Complaint Nos. XXXX and XXXX, the description of the relief granted was that the " interest capitalization on XX/XX/XXXX for Loan Sequences 4, 7, 8, and 12 will be reversed due to a processing error. '' In a later complaint, Complaint No. XXXX, my attempt to address the interest capitalization on Loan Sequences 1-3, 5, 6, and 9-11 failed, but the response explicitly acknowledged that it was " honoring the initial promise to reverse the interest capitalization effective XX/XX/2016 on loan sequences 4, 7, 8, and 12 ''. However, in looking at my account online, the interest capitalized on those four ( 4 ) loans has, in fact, NOT been reversed.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-19
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XXXX XXXX XXXX I requested a payoff and was told that there higher fee 's paying off a loan. It seems the loan went up if it was to be paid off early. the interest is 5.750 % The servicing of the it seems no true owner of the loan.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2018-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A