Date Received: 2018-06-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have about 11 accounts XXXX with 3 late payments on each for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called and deferred these loans several times, and was told each time that the late payments would be deleted since they were deferred. On top of that, they referenced a form they would mail in regards to this, but was never received. Now I have 3 late payments across 11 or so different loans and it has significant damaged my credit, all because XXXX XXXX did not due as they stated through phone conversation.
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i don't have any knowledge of this account. please send me a full validation of the debt with bearing signature. also the account needs to be 100 % accurate, Verified and timely
Company Response:
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX XXXX ( hereinafter, XXXX ) services 6 ( six ) federal student loans since said loans first entered repayment in XX/XX/XXXX My repayment is/remains-unaltered Standard Repayment Plan, i.e. 120 fixed/equal monthly payments to paid-in-full. To date ( XX/XX/XXXX ), XXXX admits I have made 76 uninterrupted payments of {$1000.00}, the amount XXXX established as my fixed monthly payment. XXXX admits I have 44 monthly payments remaining to paid-in-full all 6 loans. In fact, over XXXX XXXX XXXX, Vice President, Loan Operations signature on XX/XX/XXXX, XXXX expressly admitted all my loans are expected to be paid-in-full at $ XXXX/month payoff as follows : Your current expected payoff date for loan sequence 1 is XX/XX/XXXX. Your current expected payoff date for loan sequences 2, 3, 5 & 6 is XX/XX/XXXX. [ Loan sequence 4 was never disbursed to me/paid-in-full XX/XX/XXXX. ] Your current expected payoff date for loan sequence 7 is XX/XX/XXXX. [ =All loans are paid-in-full on time and/or 2-3 years ahead of 10-year-schedule. ] None-the-less, in XX/XX/XXXX, XXXX inexplicably/absent notice to me, ( i ) extended Terms Duration credit reported to XXXX, XXXX and XXXX ( hereinafter, Credit Reporting Agencies or CRAs ) from 120 months to 130-145 months ; and ( ii ) reported in repayment XX/XX/XXXX-XX/XX/XXXXa seventh loan never disbursed to me, both I disputed, CFPB portal Case # XXXX. XXXX responded with an Administrative Forbearance, claiming in plain untruth/lie rather that I had credit disputed Identity Theft. Thereafter, FedLoan from XX/XX/XXXX to the present ( XX/XX/XXXX ) billed me different amounts from $ XXXX- $ XXXX/month every month-plain breach of Standard Repayment contract. My Standard Repayment Plan contract stated 120 equal/fixed monthly payments of {$1000.00}, which I paid uninterrupted, timely, in full every month from XX/XX/XXXX through XX/XX/XXXX. In retaliation for my 15-month-long credit disputes, XXXX reported to CRAs, 30 XX/XX/XXXX credit reports : ( i ) I made no payments : XX/XX/XXXX ; XX/XX/XXXX-XX/XX/XXXX ; ( ii ) both underpaid-and-overpaid in XX/XX/XXXX ( =XXXX willful misallocation of payments to fraudulently/in extortion engineer default of some loans ) ; and ( iii ) made no payment XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX by phone ( XXXX : XXXX, XXXX ID : XXXX ; XXXX, ID : XXXX ; XXXX, ID : XXXX ) thereby providing XXXX notice of my loans account credit, billing inconsistencies, and willful/knowing extortion via misallocation of payments to create default/underpayment of some loans with coincident overpayment of remaining loans. In direct contradiction of XXXX Vice President for Loan Operations XX/XX/XXXX letter, XXXX stated XX/XX/XXXX about XXXX XXXX : the system escalated my/borrowers monthly payments because said six loans would not have been repaid on or before XX/XX/XXXX. I believe XXXX actions herein described are unlawful, being in clear violation of the federal Fair Credit Reporting Act ; Truth in Lending Act ; Racketeer Influenced and Corrupt Organizations Act ( civil RICO-extortion ) ; mail- and wire-fraud statutes ; and Massachusetts State contract law statutes. I respectfully request CFPB take action against XXXX to halt further XXXX unlawful actions on my student [ 6-loan ] account and fully correct existing contract breach for willful extortion discussed herein. I have XXXX express admission of all payments/amounts/dates made ; bank-statements proving said payments electronically made to PHEAA-XXXX ; and US Mail-signature-receipt of payments timeliness.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: OnXX/XX/2018 I submitted disputes for validation of student loan information being reported incorrectly to all 3 Credit reporting agencies, XXXX, XXXX, and XXXX. I also reached out to the various reporting companies listed on the credit agencies reports. All the information from the Credit Bureaus differ and after the inquiries of dispute for validation, XXXX and XXXX have claim to have found the information reporting to be valid and almost tripled the amount owed/balance reporting. They are also reporting some balances as paid {$0.00} balance. I have been on an income driven base payment plan which I have paid every for the past 9 months. As of XX/XX/2018 I have been considered successful and the loans I receive a letter that the loans are now returned the PHEAA. However the balances were all consolidated and now they are reporting tripled on XXXX and XXXX. These have highly affected my chance of any progression or stability in life. The loans were previously sold to various companies and have history showing as report status of PAID {$0.00}, transferred to new lenders, CLOSED, some companies such as XXXX, XXXX XXXX, AES, XXXX etc and now the true balance are in discrepancy amongst the agencies and are causing denials and chaos in my life. The Credit agencies have not provided me with any valid documentation for any of what they are reporting on these student loans. These co
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to XXXX disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX dispute letter to XXXX amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to XXXX 7. XXXX XXXX
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX XXXX is trying not to give me credit for PSLF payments I made to XXXX XXXX XXXX XXXX XXXX. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX to repay my student loans. XXXX XXXX asserts that I had no bills due during the above-mentioned periods. However, I received emails from XXXX XXXX advising me that my bill was due for those periods. I was set up for automatic payments and so my bills for these periods were paid automatically from my checking account. I've attached the emails sent to me by XXXX XXXX showing my billing statement was available and that the payments would be automatically withdrawn from my account. I've also attached a payment printout from XXXX XXXX that shows that payments were made on the above-mentioned dates. If no payments were due, then XXXX XXXX should not have sent me billing statements and withdrawn money from my bank account.
Company Response:
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: *XX/XX/XXXX - Started XXXX XXXX job and XXXX was servicing my loans at the time *XX/XX/XXXX - Asked about student loan forgiveness and XXXX told me that because I was working at a XXXX XXXX job that I could receive student loan forgiveness. XX/XX/XXXX*I was told my a co-worker at my XXXX XXXX job that I needed to fill out some information regarding my XXXX XXXX status *I contacted XXXX and they agreed ( never told me to fill anything out in the past ). *Information was filled out and submitted to XXXX showing backdating to my XX/XX/XXXX hire date that was verified by my employer *XXXX told me that I had to be on an income driven repayment plan for student loan forgiveness, which actually lowered my payment. They told me that because I was paying more than the amount at the reduced rate that all of my on-time payments in the past would qualify for student loan forgiveness XX/XX/XXXX*Received information that XXXX would now have to service my loans due to the Student Loan Forgiveness Status XX/XX/XXXX *Asked XXXX XXXX , why my qualifying payments only showed a few payments instead of all payments backdated to theXX/XX/XXXX ( when I started my XXXX XXXX job ). *They told me that they would have to verify with XXXX that all payments were " close '' enough to the payment that I had with XXXX ( as well as verify that my payments were on-time ) to have all of my payments reflect my XX/XX/XXXX XXXX XXXX start date Numerous months during XX/XX/XXXX and XX/XX/XXXX *Asked XXXX about the status of the XXXX verification and nothing could ever be done, escalated to supervisors on more than one occasion via chat and phone call XX/XX/XXXX *Told by a XXXX representative that none of my payments from XXXX counted towards student loan forgiveness
Company Response:
State: UT
Zip: 84065
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: In XX/XX/2016, my child support raised to a point I could not support myself any longer on my wage. I was in fact XXXX and struggled. I requested IBR for my loans. I sent in the application and gave them access to my IRS XXXX. They were " processing '' it for 3 months, in which I called and emailed several times to see the status. The agents only stated it was pending, but then I was sent a letter my application was cancelled by the lender. I put my loans in forbearance to send in a new application, as that was " all they could do ''. they stated I would have to make a {$5.00} standard repayment to move from Forbearance to the IBR once approved, however I received the billing statement to make this payment 4 days after I received a notice stating since I hadn't made the payment, that my loans were on standard repayment and the IBR was cancelled a second time by the lender. I then filed a complaint with the MN Attorney General. They followed up with the lender, who stated all these things were my fault and I owed a grossly overstated sum of money. As of today, I received a negligent email that they were going to affect my credit, when in fact I should have a $ XXXX monthly payment based on a wage of less than $ 40k a year and a household size of XXXX. Then i received a call from the lender 's collections person at work. I told her I can't take these calls at work, but she stated she couldn't control when they occurred. I used to work in collections and know that this is wholly against the FDCPA rules. I mentioned that to her, and she laughed at me, thus the reason for this complaint.
Company Response:
State: MN
Zip: 55422
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been trying recertify with XXXX since XXXX. Last year I had asked to be placed into forbearance when I could not afford payment until XXXX until after I filed my taxes " married but filing separate ''. XX/XX/XXXX, I submitted my initial application to recertify after my forbearance ended. I called to make sure it was received and the gentleman I spoke with said yes and it should be around $ XXXX/month. XX/XX/XXXX comes around and then I get a letter I was denied because I did not make a " intermittent '' payment. The gentleman I spoke with initially in XXXX did not mention this. I would have been more than happy to make an affordable payment. I am now told to recertify again. I ask that it be expected due to the company error. They state they will do what they can so I send in my information again. I am now placed into the wrong plan and an even higher payment I started with. They ask me to recertify again. I have do it again- this time they say they did not get it and I am placed into standard plan and I selected that. Even though when I log in it shows that I selected income plan and I have a screenshot stating this. Also, I received an email and I have a screenshot from the company that I am now in " grace period '' until XX/XX/XXXX. Last I checked we are in XXXX!!!! This company is a fraud and does not know what they are doing. I am contacting a lawyer.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A