Date Received: 2018-06-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XX/XX/2018, I filled out a consolidation loan application, hoping to bring student loans serviced by another provider, to XXXX. I wanted to pay all my loans to one provider. XX/XX/2018, i received a letter stating that my consolidation was almost complete, but the loans that I wanted to add, were not going to be added per my request. I called XXXX to speak with someone to explain that I wanted to indeed add these loans to my account. They informed me that they were waiting for someone at my provider, XXXX, to respond to them concerning the loans and there was no further action required from me. Once they heard from XXXX, I was supposed to be contacted about the loans and if they could be added to XXXX. On XX/XX/2018, I received a letter stating that the consolidation was complete. Upon review of this consolidation, I noticed that the loans I attempted to add, were not included. I called back to XXXX, and was told the reason that the loans were not added, was because i did not fill out the right paperwork, and that the loans I wanted to add were eligible to be added to XXXX. I just needed to fill out the correct paperwork. They told me what form to download, submit, and what code I needed to use. I submitted this form on XX/XX/2018. On XX/XX/2018, I received a letter stating that the loans were ineligible to be added to XXXX. I then called back and explained to them that the whole purpose for my consolidation request, was to include these loans, and without them being added, the consolidation request was pointless. It doubled my monthly payment, doubled my repayment time from 15 years of which I had already paid 3 years, to a full 30 year repayment plan. I called and requested that this consolidation be undone, or reworked, because it has not benefited me at all. I spoke to several people on the phone, who have transferred me and kept me on hold for over XXXX minutes at a time, and all of them have given me different answers on the consolidation process and my monthly payment. The representative I spoke with last night was short, rude, and condescending. He told me that there is nothing that can be done about the consolidation at this point. It was final. When I spoke to customer service representatives during the entire consolidation process, not one of them told me that the main reason I wanted to consolidate was not an option, until the process was complete. They all led me to believe that there was more to be done on their end, and that I could possibly still add the loans to XXXX. It wasn't until the process was complete, that I was given a straight answer. I feel like I was run in circles by this provider, and given false information. Timeline : XX/XX/XXXX : submitted consolidation form to include XXXX loans XX/XX/XXXX : Consolidation almost complete, loans not included per my request XX/XX/XXXX : Called XXXX to ask about these loans as I did not request them to be excluded. Was told that they were still awaiting my service provider XX/XX/XXXX : Consolidation complete : Loans not added XX/XX/XXXX : Called XXXX and was told that the loans were not added because I did not fill out a physical form. XX/XX/XXXX : Submitted physical form with information provided by customer service representative and XXXX account information. XX/XX/XXXX : Loans ineligible to be added. XX/XX/XXXX - XX/XX/XXXX : Have called several times asking what options I have to have this process undone, because I was mislead during this time period and the loans I want to consolidate, are not eligible.
Company Response:
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
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 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 only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
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 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 and XXXX XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.
Company Response:
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have written more than one letter to XXXX XXXX most recently in XX/XX/XXXX, about many of my payments not being accepted towards the Public Service Loan Forgiveness ( PSLF ) program. I have been employed in a public service capacity since XXXX, and have made sure to remain in a payment plan that was qualifying since the inception of the program. I have even highlighted some of the payments I have made after receiving records of payment via the XXXX XXXX XXXX via a FOIA request, enclosing them proof of payment. Despite these repeated inquiries to XXXX XXXX, I have not received any response whatsoever.
Company Response:
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The student loans are listing late payments. I have sent goodwill letters requesting forgiveness for late payments. I feel on hard times in XXXX and XXXX and I have tried desperately to communicate with the company about all the student loans listed in degoratory status. I am asking for a little help please.
Company Response:
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from XXXX XXXX XXXX For a creditor by the name of XXXX XXXX XXXX XXXX.XXXX XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.
Company Response:
State: TX
Zip: 755XX
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: These loans are duplicately reported along with XXXX and XXXX XXXX XXXX. This account was on an approved deferment and therefore was never late. The unscrupulous practices of student loan companies make it almost impossible to repay and hinders your credit unnecessarily. Please correct this error immediately to paid as agreed never late!
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2018-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I believed that there is a grace period after your graduate and was unsure the amount of time was allowed before the payments started. Somehow, I got in contact with XXXX XXXX and realized that payments were being requested but by then the payments were late. As soon as I was familiar with the situation I immediately called and learned what I needed to do to start paying my student loans. I chatted with customer service and figured out that I could defer the late payments to the end of the loan and start fresh and havent miss a payment since. I was blessed and qualified for the Income-Driven Repayment plan so that helps a lot, but I have these black marks on my record and these are the only bad marks I have on my credit as of now. These late payments are for my time @ XXXX XXXX XXXX and XXXX University.
Company Response:
State: TX
Zip: 75020
Submitted Via: Web
Date Sent: 2018-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been attempting to make a payment on my loan through XXXX XXXX since XX/XX/XXXX and the website will not allow me to make a payment. Their new website is not functional and despite several messages to the company, I have not gotten a response or a solution. The company is aware of this problem per their XXXX page, but they have claimed the problem is fixed, despite many other consumers posting that they are still not able to make payments. Additionally, I was forced to apply via mail ( because the website would not give me an option to sign up online ) for automatic monthly payments. However, on XX/XX/XXXX I was sent an online message from XXXX with the subject line : " You Aren't Eligible for Direct Debit Payments '' with the following reasoning : " Your loans have not entered repayment. '' However, at the time my loans were in the grace period but I was still being charged interest even during the 6 months of grace. Despite being charged interest already, XXXX XXXX would not allow me to start direct debit payments, forcing me to incur interest without a making payments to prevent it. Additionally, because my first application was denied due to my loans being in grace, I can not apply online for automatic payments still to this day. This has made it frustrating and impossible at times ( like when their site is down ) to get my loans paid in a timely manner. I can submit another paper application, but I do not think it should be this hard to simply pay my student loans back.
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2018-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: To whom it may concern : I am having issues with FedLoan Servicing accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. I consolidated correctly back in XX/XX/XXXX and began paying my first payment in XX/XX/XXXX with XXXX XXXX and XXXX XXXX and have been on qualifying repayment plans since then. I have also completed Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit University from XX/XX/XXXX to XX/XX/XXXX and currently work as a full time XXXX XXXX from XX/XX/XXXX to current without a break in service. XXXX XXXX is telling me that some monthly payments have not counted because of various deferments and forbearances on my account which I know nothing about! I have never applied for any type of deferments or forbearances. Customer services representatives give me different information each time I call. Six months ago, I requested a recount of my qualifying payments and one administrative forbearance was removed in the process. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified. I have not heard from them at all. On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program were 81. On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payments under PSLF were now 75. On XX/XX/XXXX I made contact with myfedloan.org Customer Service Rep ( XXXX employee # XXXX ) and explained that I have documentation from Fedloan Servicing stating as of XX/XX/XXXX I have made 81 payments under the PSLF Program. XXXX informed that she would submit my request for investigation and would receive a response in 90 days by XX/XX/XXXX. On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) stated its a system issue. On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) After submitting my yearly employment recertification my PSLF Qualifying payments were incorrectly adjust to 57 on one loan and 59 on another loan. Please help, Ive devoted my career as a public service employee and have abide by the rules of the PSLF program. I feel that XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program.
Company Response:
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2018-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A