Date Received: 2018-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account was in forbeatance but my credit report for that time period shows late payments I tried co texting the loan provider to get it fixed and they said they dont correct information with credit reporting agency. I tre IED credit reporting agencies and they didnt change it either
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XX/XX/XXXX, I contacted AES by phone about how my student loans were being reported on my credit report. I was advised to email and was provided an email. I sent multiple emails which included copies of my credit reports attached and received inadequate responses. Finally, one response instructed me to mail because they actually don't accept emailed disputes. I mailed a letter with copies of my credit reports in XX/XX/XXXX. The letter and reports were color coded to clearly show the accounts I was referring to. Simply, 15 accounts were being reported and yes, I had defaulted, but I had also rehabilitated and consolidated. I have good payment history with the consolodated loan and 10 of the 15 accounts listed were updated to 'satisfied ' and had XXXX balances. The other 5 were still listed as 'derogatory ' and I was asking for them too to be updated with more positive language. XX/XX/XXXX, I was asked for additional information. I had no idea what further information I could provide. I emailed asking for clarification, but the email response told me everything was valid. I requested a manager or director to review my information as I felt this response was vague and still didn't provide clarification for the additional information request. More failed communication continued and I never was connected to a manager director. ByXX/XX/XXXX, I had received a list of 10 accounts with XXXX balances from AES, but no acknowledgement of making any changes on my behalf. Since my credit reports all have 15 accounts listed, I now believed that 5 of the accounts were not supposed to be on my report based on the list provided by AES. I sent a letter, a copy of the list, and a copy of my credit report to each bureau requesting the 5 be removed in XX/XX/XXXX. They did not and I am still confused. I contacted AES and told them that I had expected the 5 to be removed since their documentation only listed 10. XX/XX/XXXX, I received a message which informed me that the 5 were originally reported by PHEAA, but AES took over the loans and reported them. Again, AES does not address my actual problem. The number of loans listed on my credit report is inaccurate and I want the language used to describe them to reflect the positive actions I have taken. I still do not understand how all accounts had the same actions taken-the rehabilitated of my loans before, and that I have now consolidated them yet they have different descriptions. I don't understand why AES took a year to identify the same 5 accounts I kept asking about as PHEAA reported. Also, PHEAA is not listed as one of my creditors and I thought AES and PHEAA were connect. Once again, I was not given any truly helpful information, but I have managed to waste a year of my time to change nothing and have more questions than when I started. At this point, I would like AES to address their lack of communication, failure to provide accurate information, and obvious disregard for individuals who are taking steps to better themselves. Isn't communication, information, and personal improvement the foundation of education? I am frustrated and disappointed in the way this situation has been handled. I can provide copies of my communication with AES.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Every time fed loan and i come to agreement about my loan, they soon send something in the mail stating I did not qualify. They phone calls from random numbers. i barely can purchase food, for me and my son. I'm currently on XXXX different meds, and XXXX different XXXX and XXXX medicine because of their harassment. Often, I have to double my dosage when XXXX XXXX constantly call me. My credit is shot, I only make enough money to pay rent, light, water.
Company Response:
State: AR
Zip: 716XX
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Since XX/XX/XXXX, I have had my auto-debit for my loan account to include the full scheduled payment and an additional {$500.00} solely dedicated to a higher-interest GradPlus loan. Since this time, I have recertified for IBR. The first auto-debit after the new base payments began, XXXX still deducted the additional {$500.00}, but attributed it amongst all of my loans rather than the assigned loan. This WAS corrected by them after a lengthy phone call to correct the matter, but there is no guarantee that I wasnt charged undue interest or that the other loan balances were adequately readjusted either. XXXX attributed the issue to a system upgrade error that they knew of when IBR accounts recertified. I have not had issues since the corrected issue in approximately XXXX until my XX/XX/XXXX payment, where the base payment and additional {$500.00} were auto-debited and the additional {$500.00} again distributed to every loan except the one it is scheduled for. There has been no change in loan status, no change in payment amounts, etc. It is inexcusable that I must continually monitor their activity to ensure this THEFT stops occurring, and it is THEFT. It is financial THEFT in the extra interest charged on a higher loan not being attributed its payment appropriately and it is THEFT of my time, which must be spent to correct.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There are over 22 accounts of derogatory information listed by XXXX XXXX XXXX on my credit report. Nearly half of these accounts are outdated by standards of FCRA. I have requested debt validation on several occasions but I have been ignored. I do not have any debt or agreement for a debt with XXXX XXXX XXXX. They are in violation FCRA/FDCPA. Their foul behavior is ruining my identity.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a loan with XXXX XXXX and was making my payments and making them on time. One day I was notified that my payment went from {$64.00} per month to {$600.00} per month and the new payment was effective immediately. I called XXXX and was told my payment went up because my income changed.I explained to the rep that this was incorrect and not my income had not changed. I made several phone calls only to be told I had to make the {$600.00} per month payment. I was unable to make this amount of a payment and this caused my account to become overdue. I called many times trying to get an understanding but to no avail thus causing XXXX to report the delinquency to my credit bureaus. After several months of the negative reporting I called XXXX again and this time I spoke with a representative and after being on the phone with her for several hours she said the problem was their mistake because they had listed my income incorrectly. She said they had my income listed as weekly instead of the fact that I got paid monthly. I asked if this could be corrected on my credit report since they had made the mistake and she said it should not be a problem but that was handled through another department and emailed me the form to submit. I submitted the form only to receive a response that my dispute was denied. I was not give an explanation and according to their policy I am unable to speak with anyone via phone about this issue. I am requesting that my credit report is corrected.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Loans are with XXXX XXXX. Have miscalculated my payments for the Public Service Loan Forgiveness, have not capped interest as a veteran/XXXX XXXX service member and based payments on gross income, not adjusted.
Company Response:
State: MD
Zip: 21146
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Student loan payment went up 250 % ( from {$59.00} to {$140.00} ) with an increase of {$3500.00} in AGI. I am unable to pay this larger amount. I have contacted CFPB, XXXX XXXX XXXX and the US Dept of Education 's Ombudsman about this in XX/XX/XXXX. Having received no communication from any of these three groups, I called the US Dept of Education 's Ombudsman group on XX/XX/XXXX. From there I was told to fax my complaint to the US Dept. of Ed. Ombudsman group and XXXX XXXX XXXX. I received no communication from any group from the fax. ( I have proof of mailing & faxing. ) On Friday, XX/XX/XXXX, I called XXXX XXXX 's ombudsman group and was told I'd get an email in 24-48 hours. I received an email today, XX/XX/XXXX. The email gave me a convoluted formula to calculate a new payment method called the " Partial Financial Hardship '' - which reduced my payment amount by {$1.00} a month. The email did not even mention what my next steps were. I am unable to pay my loan at this new amount- even with the Partial Financial Hardship calculation. I can not appeal or get a real dialog started. In fact, I have no faith in that anyone will read this either and that I'm simply wasting my time filing a complaint.
Company Response:
State: OH
Zip: 44305
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My interest I pay fluctuates each month and typically goes up instead of down. My loans were consolidated years ago on a fixed interest rate. I feel like I am being ripped off by my student loan company AES. I don't think that it has just started. I believe they have been ripping me off for years so that my loans never get paid off. Please help me. See last three month data for examples. Loans Purchased by AES on XX/XX/XXXX Payment Date - XX/XX/XXXX Payment : {$310.00} Bal : {$26000.00} Total Principal Paid : {$100.00} Total Interest Paid {$210.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$38.00} Interest Paid : {$79.00} Subsid Consol Loan Principal Paid : {$64.00} Interest Paid {$130.00} Payment Date - XX/XX/XXXX Payment : {$320.00} Bal : {$26000.00} Total Principal Paid : {$180.00} Total Interest Paid {$140.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$67.00} Interest Paid : {$53.00} Subsid Consol Loan Principal Paid : {$110.00} Interest Paid : {$89.00} Payment - XX/XX/XXXX Payment : {$320.00} Balance : {$26000.00} Total Principal Paid : {$190.00} Total Interest Paid {$120.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$73.00} Interest Paid : {$48.00} Subsid Consol Loan Principal Paid : {$120.00} Interest Paid : {$80.00}
Company Response:
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a student loan through XXXX XXXX reporting on XXXX, XXXX, and XXXX. The loans are up to date, but are reporting 4 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). During that time period, the loans were in forbearance as they were prior and after. Ive made numerous attempts to correct the issue through XXXX, XXXX, and XXXX unsuccessfully. Those late payments report are affecting my credit tremendously.
Company Response:
State: TX
Zip: 75060
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A