Date Received: 2018-05-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Under the Public Service Loan Forgiveness, I sent XXXX XXXX my paperwork to certify. They said i qualified, yet they won't verify and won't give me any information. The paperwork was sent XX/XX/XXXX ... it is now XX/XX/XXXX ... and everyone i spoke with said they are escalating my request to review in 1 week. I called in XX/XX/XXXX. They said call call by XX/XX/XXXX for results. I called in XX/XX/XXXX, they said call in two weeks. I call in XX/XX/XXXX, he told me to stop calling and my call stops with him ( XXXX ). He refused to transfer me. They won't give me any information and won't review my documents.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XXXX2016 XXXX XXXX made a final attempt to have the college debt discharged. XXXX XXXX XXXX XX/XX/16 to XXXX Hello, I did all of the steps to discharge my loans but I'm not seeing any results. I have been XXXX with a XXXX XXXX and one of my options with the student loan program is to discharge if I'm with a XXXX XXXX. I would like someone to follow up with me and assist me with finalizing this option. Thanks, XXXX XXXX
Company Response:
State: MN
Zip: 55411
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Please help me with figuring out how to get back on track with my monthly payments. I have been speaking with XXXX XXXX since XXXX of XXXX for help. I was ill and not working for most of XXXX and could not keep up with the payments due to having high risk XXXX. I was told by XXXX XXXX there was nothing they could do on my first attempt to contact them in XX/XX/XXXX, In XX/XX/XXXX I was advised to apply for lowering pays but the rep never sent the application. XX/XX/XXXX I was advised I wouldn't qualify via online tools and rep. XX/XX/XXXX I applied for temp XXXX and I was denied based on my loan type. Now I am thousands behind.
Company Response:
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however, because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
Company Response:
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Over the last 7 years I have paid American Education Services upwards of {$29000.00} [ proof attached ], and only {$6800.00} of that money has gone to the principal balance. On top of that, I've paid XXXX upwards of {$22000.00} and my principal balance has only gone down by about {$2000.00}. I have called American Education Services MANY times over the years. Just last night, they told me that they are just " servicing '' my loan. And that in order for me to speak with my lender - XXXX XXXX XXXX, I need to write the company a letter ... which American Education Services will send over on my behalf. AES refuses to connect me directly to XXXX XXXX XXXX to allow me to discuss the exorbitant amounts I'm paying -- which are not being applied properly. This feels like a complete scam. There's no reason why they shouldn't let me speak to XXXX XXXX XXXX on my own. This is an absolute injustice. I've been DROWNING for the last seven years and working so hard to pay off these loans, and I am seeing no movement. I'm hoping that the actions I continue to take will help bring to light how awful and abusive these companies are. It's completely unfair that these big companies can get away with overcharging young adults who are simply looking to improve their lives by attaining an education.
Company Response:
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My unofficial credit reporting application XXXX shows that my student loan was listed as delinquent in XXXX on the XXXX. It was immediately thereafter listed current on XX/XX/XXXX. I am on an income driven plan and due to issues with the recertification plan, it shows that I missed payments. None were actually missed, once all issues were resolved with the loan group, and I would like to see that removed.
Company Response:
State: MO
Zip: 636XX
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have multiple Parent Plus loans for XXXX of my XXXX children serviced by XXXX XXXX XXXX AKA Pennsylvania Higher Learning The interest rate is 7.9 %!!!!! This is predatory its been double the prime interest rate for 8 years. They absolutely refuse to lower the rate My children and I were told they could refinance the loans into their name which is not true As an example for a ~12k loan have paid over 20k and thats one loan. How can the Federal Government allow this its a horrific situation in America our kids n parents drouning in debt while XXXX attend at no charge. I have been trying since XX/XX/2012 to get XXXX XXXX to be reasonable but they told me only my death resolved the debts other than paying them off, the large amount has lowered my credit score from XXXX to XXXX despite a perfect credit history. I pay on time but the loans are getting larger. The Federal Government needs to step in and put an end tp predatory practices and SCAMS by XXXX XXXX XXXX agencies We should be able to get our American children the best education in the world without such immense debt.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Getting a loan
Subissue: Qualified for a better loan than the one offered
Consumer Complaint: In XXXX-XXXX of 2017 I was unable to make payments due to being out of work. I was not receiving any income due to a medical leave of absence. I am up to date with all payments and made back payments as well. Please consider removing this from my credit score as I was unable to control hospitalization. I am now trying to purchase a home and due to my low credit score, I am being denied the loan amount needed.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX XXXX XXXX ) to correct my record by putting all of my additional payments toward the principal balance. I was told that this practice is supposed to be automatic. Since I signed up for paperless billing, I checked regularly on my borrower 's portal and I use the portal to access my loans information. XXXX XXXX also uses the same portal to communicate with me. On XXXX, because I haven't heard back from XXXX XXXX, I logged in to my account and sent an email directly to XXXX XXXX to address my concern of 1 ) not receiving any response, 2 ) inaccurate payment allocation practice. Then, on XX/XX/XXXX, I noticed that XXXX XXXX had blocked me from accessing my own account. Still today, I have not been able to review my loan information.
Company Response:
State: IA
Zip: 50010
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
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: XX/XX/2018 Dear XXXX XXXX XXXX XXXX ( to Manager Supervisor and/or other Decision Maker please ) Reference loan # XXXX for XXXX XXXX XXXX I write to request the removal of two ( 2 ) 90 day late reports on my credit report that XXXX XXXX XXXX agency put on all three credit bureau reports this past month. I did not know this repayment plan had started until I was notified by XXXX XXXX into my current email address ( which you now have when I spoke with this department after arranging the forebearance on this account. ) that there two ( 2 ) 90-120 late payments that had been attached to my credit. I have not had access to the email address this Dept said was being billed for these 2 loans for more than 2 years. I was completely unaware that these loan repayment plans had begun. My daughter took a job overseas right after gruaduation, therefore, our communication has been limited. I did not even know that her repayment schedule had started. I live in the same address ( 11 years ) so ANY piece of mail either at start of repayment period or ANY time during this 90-120 day period you claim I was late would have been responded to in a timely and responsible way, as this is how I manage all of my finances. EVERY SINGLE one of my credit accounts are 100 % current except for these two ( 2 ) 90-120 day late payments this servicing agency attached to my credit. I would NEVER ignore any debt I have to repay. It is very unreasonable to expect that I recall in the many pages of loan documents attached to these loans agreed to so many years ago contained an agreement to " paperless billing. '' And I would have had to remember the email address situation. Why was the FIRST AND ONLY late notice report to credit bureaus these 2 so very derogatory 90-120 day late pays that virtually destroyed my credit rating. Why couldn't this company send one piece of mail to my home address? This heavy handed " billing '' practice of subjecting my credit to a more than 100 point decline with these " seriously late '' payments 90-120 days is unfair and has so negatively impacted my credit and life. My car was totaled 2 months ago. It was older and all paid for and insured, but the insurance will not cover the cost of a replacement car. I need to finance the balance and now I'm in a terrible place because of THIS problem alone. A person 's credit is no unimportant matter and the placement of these 2 so derogatory late pays has had such serious consequences on my life right now. Although I see the reporting is showing the current status because of the forebearance, the overall score is only minimally improved. It will be many many months before I get back where I was before this fed loan incident. And I need transportation now. Please remove these two ( 2 ) 90-120 day late reports from all three bureaus. It is unfair to hit my credit so badly. I didn't know the loan repay had started because I had no access to that old email address and this agency did not send any written bill, for current payment or any late payment, to my home address. Also, to hit my credit out of the blue with two ( 2 ) 90-120 day lates is so unfair and heavyhanded that they should be removed completely. Please respond to my letter as soon as possible. Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX Hello, this is a copy of the correspondence I sent that has been received by XXXX XXXX XXXX XXXX company with no action taken and the online dispute was rejected leaving these 2 seriously derogatory credit reports of 90-120 days late which has virtually destroyed my credit score. The company never sent ONE piece of mail to my home address where I have lived for XXXX years. The company did not report 30 day or 60 day but went right to 90-120 day derogatory info as first credit reporting about these accounts. As I monitor my credit, had they responsibly reported, I would have resolved this simple clerical issue immediately as I did ONLY when I became aware.
Company Response:
State: VA
Zip: 24551
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A