Date Received: 2018-05-15
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I don't feel like I should be responsible for repaying a loan and the school has since closed. I have no positive out look as to furthering my education. No one will accept their credits and I will have to start all over as if I never went to a suitable school. I think it is unfair to me and any other students to pay for a degree that has no value. I attended XXXX XXXX XXXX XXXX, Georgia campus in XX/XX/XXXX and completed in XX/XX/XXXX. I have contacted the loan company so that it can be dissolved and was denied early on in XX/XX/XXXX. I worked very hard through XXXX, XXXX and XXXX just to hit a dead end!
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I called Client Processing after listening to a commercial stating they can help save time on your school payment if you are a First Responder. This process started in the fall of XX/XX/XXXX, XX/XX/XXXX. The loan was held with ACS ( I believe ). I called and discussed my consolidation with them. They did not disclose that the payment count would go to zero. Thus wiping out my prior payment records. They didn't review the interest rate changes, nor the possible changes in payment amounts. Without discussing the payment count - they basically wiped out my prior payment records. They also stated it was " really '' hard to apply for this payment plan on my own. I began the process. They stated they would need signatures to continue. I told them on multiple phone calls that I did not want to proceed at this time. I told them I wanted to wait until I had my tax returns. Multiple times, they emailed/called stating I had to sign and return their packet. I refused and again stated I was intentionally NOT proceeding. Then, in the spring, while I was on military orders, they pushed the consolidation through, without verbal or written consent. I am now forced into a new loan and payment plan, that I did not agree upon. This company mislead me and committed fraud by proceeding without my consent transferring to XXXX. They also completed an SRCA violation due to the loan transferring while I was on military orders, XX/XX/XXXX.
Company Response:
State: NV
Zip: 89506
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX I enrolled in XXXX XXXX part time. My XXXX XXXX sent my loan provider ( XXXX ) my letter stating my enrollment. XXXX XXXX XXXX starts in XXXX. So I called asking to take my direct debit off my account. The agent I talked to suspended it instead. I still had payments coming out. I called about this, I was told they were resubmitting the documents. XX/XX/XXXX comes and I talked to XXXX ( XXXX ) and I was told I was denied half time but don't worry about it, she was resubmitting the request and I have 90 days to make my payment.I call back XX/XX/XXXX. XXXX ( XXXX ) puts in a request for deferment for direct debit to be taken off and the call was dropped. I called back and spoke with XXXX ( XXXX ) who told me I was taking 6 hours which is not part time so I was not eligible for school deferment and that was why my letter was rejected. I was told to log in to the web and re-certify based on my income right now ( which I am currently unemployed ). I called my school and was told XXXX taking 6 hours are considered 1/2 time and I was given wrong information. I called back XX/XX/XXXX and talked to XXXX ( XXXX ) and was told I signed a waiver when I worked for the XXXX XXXX XXXX XXXX and that is why my school loan forgiveness is not attaching to my account. I was told I needed to sign a form to remove the waiver from my account and he was mailing it out to me. I called today XX/XX/XXXX as I still had not gotten the waiver. I talked to XXXX XXXX who transferred me to XXXX ( XXXX ) who was very rude and condescending and let me know that no one had misinformed me of anything on my account. He continued to interrupt me when I tried to explain to him what XXXX told me was wrong ( that I WAS eligible for deferment ) and that EVERY agent missed the waiver.. he was just so rude to the point I screamed at him and hung up. I plan on looking for a new student loan service.
Company Response:
State: AR
Zip: 719XX
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/XXXX I called XXXX XXXX to check on status of account due to confusing letters I received stating IDR was denied and my payments would increase to {$770.00}. I was transferred to 3 different people. I spoke to an IDR specialist, XXXX ( female ) ID:XXXX. She stated that I was previously in deferment due to school enrollment status and that is why my IDR plan was denied. She said the application I submitted for XXXX XXXX for a different loan actually went to all of my loan servicers, which is why XXXX changed my payment, and I checked I wanted the lowest payment possible so they put me on a standard repayment plan, although I don't believe the " standard repayment plan '' would qualify as the lowest possible amount. She said I should apply online for a short forbearance in order to allow them time to process my request and then submit a paper application to renew IDR so that it would only go to XXXX XXXX. She helped me navigate which boxes to check on the paper application. She informed me I would need to sign into my online account and then click " manage repayment '' and then click " postpone payment '' to apply for forbearance to avoid making the payment of {$770.00}. XX/XX/XXXX I found the forbearance application to be confusing, so I called back and spoke with XXXX ( ID XXXX ) who told me I should not apply for forbearance, but to suspend my direct debit, which would last for 1 month, and then submit my new application right away. She did it over the phone. XX/XX/XXXX I uploaded my IDR application and Tax Return documents for both my husband and myself on the XXXX XXXX webpage, using the instructions provided to me on the phone by XXXX ( see above ). XX/XX/XXXXI received an email from XXXX about my new repayment terms. I have two repayment plans IBR and Regular Pay as you Earn. My total monthly payment will now be {$130.00}. XX/XX/XXXX I called to ask why my student loans increased by {$60.00} when my income has not. I speculated that my one-time tuition reimbursement may have made my income look like it increased. The person I spoke with said to file another application for re-calculation, mark that my income has changed, and then I would submit paystubs. She said that the person who told me to suspend my direct debit gave me " bad advice '' and that I still have a past due amount of {$770.00}. She said a verbal forbearance would transfer the past due amount to the end of the loan. She read me the terms and I agreed. She stated payments will resume on XX/XX/XXXX. XX/XX/XXXX - My husband checked our bank account and noticed that an amount of {$770.00} had been taken out by XXXX XXXX. I called and inquired as to why. I spoke with Employee ( ID XXXX ) who transferred me to an IDR Specialist upon hearing my concern. I then spoke to IDR Specialist ( ID XXXX ) who informed me the issue could be cleared up. He said that because I was on Direct Debit and had just applied for a new IDR term, that it was the " perfect storm '' and that this issue happens often. He informed to call my bank and say the " two magic words - Unauthorized Transaction. '' He said the payment was not posted on their end, so it had not be processed and that my bank should cancel it. I called my bank, who informed me the payment had already been submitted and had left my account. I called XXXX back and spoke with XXXX ( ID XXXX ). He informed me that the payment was not posted on their end, so I would have to keep calling back to check on the status of the payment and then could file to have a " credit. '' I asked him how long it would take for me to receive the funds. He put me on hold and spoke with a superior. He then told me that I would be able to receive my refund in 30-60 business days. I asked him if I could file a complaint. He said he could note it on my account. I informed him I wanted to file a formal complaint. He put me on hold. When he returned, he told me he was able to file a complaint. My overall issue is that I took all of the proactive steps on my end, within my own capacity, to ensure that I was submitting all evidence required to make affordable and on-time payments. Upon each communication with XXXX XXXX, I followed-up to ensure I was complying with my repayment terms in a way that was affordable for me and my family. I took all of the necessary steps, as directed to me by XXXX employees, to ensure the payment of {$770.00} would be avoided. The bad advice of XXXX lead to an extra {$770.00} being added to my overall loan amount. Then, upon the advice of the next person who told me that XXXX had given me bad advice and has ended my direct debit suspension, I still ended up paying the amount of {$770.00} - and now I am required to call XXXX everyday to inquire about the status of the payment that should not have been made in the first place. And, I am not even guaranteed a refund, and if I am, I have to wait 30-60 days to receive a refund for a payment amount that I have been proactively trying to avoid since XX/XX/XXXX because I can not afford that amount. Now, my checking account has gone negative, which will also cause me to pay an overdraft fee to my bank - all for a payment that was not supposed to be taken out.
Company Response:
State: WI
Zip: 53207
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: OnXX/XX/XXXX, XXXX XXXX sent me a form with the results of my Public Student Loan Forgiveness Program annual submission. The 12 monthly payments were applied to my total amount of payments. Their letter, dated on this day, detailed : Qualifying Payments ( total ) : 86 Qualifying Payments ( remaining ) : 34 Estimated Eligibility Date : XX/XX/XXXX On XX/XX/XXXX XXXX XXXX sent me another notification. This time, they had differentiated each type of loan and the colleges I had worked at ( for public loan forgiveness ). And in this letter, it said the following with regard to my payments : Qualifying Payments ( total ) : 43 Qualifying Payments ( remaining ) : 77 Estimated Eligibility Date : XX/XX/XXXX I called immediately upon receiving this. The XXXX customer service agent for Public Student Loan Forgiveness ( PSLF ) told me that XXXX XXXX had changed their computer software and that some people had lost some payments in the process ( she had said she had spoken with a few that same day ). She apologized for this -- confirmed the data I had was correct from XX/XX/XXXX, and then said she would submit a request to correct this information. She said it would " take up to 3 months '' to review this. In XX/XX/XXXX, I received the incorrect data on the number of payments I made. Same thing happened inXX/XX/XXXX. In mid-XX/XX/XXXX, after receiving the incorrect data again, I called back. This time, the person on the phone told me that they were still " reviewing it '' and that it would be more than 3 months. The agent said it could take anywhere from 6 months or longer -- " no telling how long, '' she added. This greatly disturbed me. On XX/XX/XXXX, I received a request for the annual update. In it, they threaten that if I do not submit this information within 10 days of XX/XX/XXXX they are threatening to revoke my student loan reduced rate ( from {$250.00} to {$1800.00} a month ). I called on XX/XX/XXXX. I spoke to a woman in the escalation department. She said that the review process for my monthly payment amounts is 3 - 4 months of time, but in " work days, '' so that would mean more than 3 - 4 months in total. She added that many people have been waiting longer, than XXXX XXXX is " the only company '' to provide the PSLF, and that it takes a lot of time to go through and count all the months. It takes hours upon hours. When I said that this explanation of time was different than the last two times, she did not respond. When I said that it was different about counting months versus correcting an internal mistake your own company generated, she did not comment. When I asked her why I should file an annual report on my monthly payments when her company can not track them, she did not comment. When I asked her who I should direct my complaints to -- as I had written to XXXX XXXX and received the standard reply " it is being reviewed '' she said " The Department of Education. '' I explained the Department of Education is quite vast -- which division supervises XXXX, she said this was " internal information, '' and not available to customers. I do not understand what is happening. If a company uses new software that disrupts their own data collection, they need to tend to it in a timely fashion. If they are unable to keep track of my qualifying monthly payments, how will I know if they will acknowledge/recognize when I have reached my final payment? Why should I pay on time if my payments are not being accounted? I have waited 5 months with no changes to their mistake. They are now threatening to revoke my reduced payment amounts if I do not submit my annual reports, but these reports will be added to the incorrect number of payments ( and I worry that if I do submit this report, I may in the process, validate the false numbers they have been maintaining since XX/XX/XXXX ).
Company Response:
State: OH
Zip: 44484
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: PSLF RUNAROUND. I QUALIFY AND NOW BEING TOLD AFTER TRANSFERRING THE LOAN SOME TIME AGO BASED UPON XXXX RECOMMENDATION THAT MY ACCOUNT DIES NOT QUALIFY. DECEITFUL CONVOLUTRD PRACTICES. DEALING WITH THIS SINCE XX/XX/17. PAYED ON THE LOANS FOR NEARLY 20 YEARS AND NOT ONE DIME IF PRINCIPLE HAS BEEN PAID DOWN. A DISGRACE.
Company Response:
State: NY
Zip: 10954
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have contacted the Pennsylvania Higher Education Assistance Agency ( DBA XXXX ), 4 separate times about waiving my in-school deferment for my Grad Plus loan and direct consolidation loan in order to make qualifying payments toward the Public Service Loan Forgiveness program. Each of the times, I've gotten a different answer. All of these answers allege that there is a " required form '' for waiving the in-school deferment. One of the answers claimed that the form would be provided in my electronic inbox with XXXX within 24 hours. Another claims that XXXX policy prohibits providing this form except for by mail. No such form has been provided to me by any means. In one of my contact attempts, I sent a secure message requesting that my eligible loans be taken out of in-school deferment. Clearly not having read the message at all, XXXX instead canceled my direct debit registration and took no action on my deferment. XXXX continues to refuse to take my XXXX plus loan and direct consolidation loan out of in-school deferment. This action violates federal law, since the decision to accept an in-school deferment is solely mine. Additionally, it constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ), especially since this alleged form is not a U.S. Department of Education requirement - my other federal student loan servicer did not require such a form.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2018-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-12
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 submitted multiple disputes with XXXX and XXXX requesting validation them to conduct a reasonable investigation of my your disputes, including correcting or deleting any inaccurate, incomplete or unverifiable information. The CRA 's continue to report inaccurate information. The report XXXX XXXX 18 times for the same account. They report different balances, different payment status, wrong/inaccurate monthly payment amounts that have seriously contributed to damaging my credit scores and worthiness. I submitted disputes with the XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, about the multiple account reports ( 18 accounts ) my XXXX XXXX reporting inaccurate late payment information on dates : XX/XX/XXXX ( 90days ), XX/XX/XXXX ( 90days ), XX/XX/XXXX ( 90 days ), On XX/XX/XXXX, XXXX Credit Bureau reported, " We have an update about your Account Dispute. The disputes for the account with XXXX XXXX XXXXXXXX has been updated. '' I have requested proof that I was ever late, but I have never received any response back from the CRA 's or XXXX XXXX. My student loans have always been in deferment status. I have NEVER made a payment towards the student loans due to the deferment or forbearances. The CRA 's are not properly verifying the accuracy of these 18 accounts, and dismissing my disputes as either frivolous, or already disputed. They keep saying, " check your online account. '' Well online account says Deferment, never paid late. '' I'm tired of these CRA 's bullying me, reporting falsely, and I'm the one having to pay for THEIR mistake and incompetency. The CRA 's and the creditor keep submitting information that it knows ( or should know ) that is incorrect. How can the same account report 18 times! If it's the same account, then it should be one large sum. NOT reported 18 times, inaccurate pate payments and so forth. That really damages my credit and I'm trying to get all my responsibilities in order and managed to the best of my ability. In all my dispute requests, I requested evidence that XXXX and XXXX took the necessary steps to obtain access to pertinent documents from the credit grantors that verifies the accuracy of my disputes. I never received the requested information and it does not look like the CRA 's actually verified the accuracy of the accounts. I'm enclosing copies of CRA reports for this account that are all drastically different. If the CRA 's are doing their investigative due diligence, actually verifying that the accounts are acccurate and complete, then why are all 3 CRA 's reporting ALL different baalnces, monthly payments, some have ) monthly payments on the same account, some show different payment histories, some show on time for the same month, but then on a different CRA for the SAME month shows a late payment. I mean which one is it! They are not providing accurate information, and the CRA 's are not actually verifying that the information provided to them is accurate either. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1982 ), the CRA 's are to conduct a reasonable reinvestigation of information on a consumer 's credit report alleged by the consumer to be inaccurate. They are negligent and continue to damage my credit and ability to get new credit.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2018-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-12
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In early XXXX I called FedLoan Servicing to get switched to Income Based repayment. They said they would send me forms and I never received them. I then called in late XXXX and they told me to complete the process online. I then completed the process online. On XX/XX/XXXX, I got an email from them saying they were missing documentation of my payment history. On XX/XX/XXXX I emailed them back after I verified the document they claim was missing was part of my upload package. I never received an email back. On XX/XX/XXXX I then received an email saying my recertification would not be processed until XX/XX/XXXX but, I had not applied for recertification, I had applied to be put in the IBR program. Currently my loans are delinquent because I can not afford the " standard '' repayment. The servicer has not responded to any of the emails I sent and are unhelpful when I try to contact them in any other fashion. I applied to be put on IBR jointly with my wife 's and we are both having this issue.
Company Response:
State: MI
Zip: 49441
Submitted Via: Web
Date Sent: 2018-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A