Date Received: 2018-05-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I originally had multiple loans serviced by AES. I have always paid on time and have never been delinquent. In XX/XX/XXXX all but one of my loans serviced by AES were transferred to XXXX. My automatic payment was already processing to AES which included the payment to loans now serviced by XXXX. Before they were due in XXXX, I emailed AES on XX/XX/XXXX to request {$720.00} of the {$800.00} payment forwarded to XXXX to cover the loans they are now in charge of. I recieved the following confirmation from AES : " Thank you for contacting American Education Services ( AES ). A request has been submitted to have only {$720.00} of the {$800.00} payment forwarded to XXXX. Please allow up to ten business days for this request to be processed. '' As of XX/XX/XXXX, no payment has been forwarded from AES to XXXX, and we are well past the 10 business day timeline they committed to in XX/XX/XXXX. I have been in contact with Navient multiple times to explain the situation throughout XX/XX/XXXX and they have our conversations documented ( so do I ). I am now trying to pay just my XXXX loans for XX/XX/XXXX but they won't allow me to pay unless I pay both XXXX an XX/XX/XXXX, which is a substantial amount for me. I don't know what to do.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
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 communicated with FED LOAN servicing and XXXX & XXXX about correcting the late payments in association with ALL XXXX FED LOAN SERVICING accounts ( associated account # XXXX : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ). Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( FED LOAN SERVICING ) which subsequently requires no payment and therefore further supports my stance of the XXXX Fed Loan Servicing accounts never being late and the payment history being wrong. There are XXXX late payments showing incorrectly. Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I sent a dispute/goodwill adjustment letter about my 90 day late payments from my student loans due to not understanding my loans coming out of deferment and my fiance becoming XXXX. My loans show up as 4 separate loans and it didn't make sense to consolidate. So I now have four 90 day late payments on my report which brought my credit score down over 200pts. I have since found a career in the XXXX field that I originally borrowed the student loans for and with the birth of my XXXX XXXX ... I am now trying to get approved for a morgage. I wrote a letter explaining my hardships with a copy of my daughter 's birth certificate, asking for my 90 day late payments to be removed. I offered to set up automatic payments. I would be happy if they merely just removed ONE of the late payments from my 4 loans. Student loans have made it impossible to secure a future for myself and family. When I called to check the status, I was advised it was denied because the information is accurate. I want my children to grow up and go to college and establish careers without the worry of an honest mistake ruining any chance they have of the All American Dream of home ownership and security. I am not asking to have my late payments to be completely wiped away ... but some sort of compassion now that I am out of school ... advancing in my career and embracing fatherhood!
Company Response:
State: PA
Zip: 18976
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a XXXX XXXX employee with the XXXX XXXX XXXX, and have been since XX/XX/XXXX. I graduated from XXXX School ( XXXX XXXX School ) in XX/XX/XXXX, and began working and repaying my loans in XX/XX/XXXX. -From XXXX to XXXX I used the Loan Servicer XXXX -In XX/XX/XXXX, I was advised that I needed to switch to the Loan Servicer XXXX in order to properly be enrolled under the Public Service Loan Forgiveness Program . -From XX/XX/XXXX to current ( XX/XX/XXXX ) only 11 of my payments have been counted under the PSLF program. -From XX/XX/XXXX to XX/XX/XXXX I have contacted XXXX to resolve this issue, and no one has helped me. I am curious why none of my previous payments ( under a qualifying program for the PSLF Program ) have not been counted or applied to my account. -In XX/XX/XXXX, I personally uploaded all of my previous payments made through XXXX on my XXXX profile. I did this because a supervisor verbally told me " she would personally look into why my previous payments had not been counted. '' Nothing was resolved. Moreover, the direct line the supervisor ( XXXX ) gave me is no longer in service. -I have provided all the required information timely, and yet continue to get " it will take between 70-90 days to resolve your issue/ count your previous payments. '' It has been more than 18 months, and nothing has been resolved. -On XX/XX/XXXX, after 45 minutes on the phone with supervisors XXXX and XXXX XXXX the best resolution they could provide me was " to be patient '' and that " we have everything so it is on us to complete the process of reviewing all your previous payments. ''
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Synopsis : XXXX adjusted my REPAYE monthly payment inappropriately early by 2 months inappropriately, which will cost me > {$1000.00}. XX/XX/XXXX : I consolidated a few of my loans to make them eligible for PSLF in XX/XX/XXXX XXXX {$32000.00} ) and transferred the rest of my loans ( already eligible for PSLF ) to MyFedLoan, which was completed on XX/XX/XXXX ( {$110000.00} ). XX/XX/XXXX - IDR payment ( {$160.00} ) was applied to my non-consolidated loans only XX/XX/XXXX - Interest was capitalized for my non-consolidated loans although it's not clear why because my loan repayment plan did not change and I paid the same monthly payment of {$160.00} on XX/XX/XXXX XX/XX/XXXX - Make a monthly payment of {$530.00} ; this payment inlcude the {$160.00} for my non-consolidated IDR amount plus {$100.00} & {$260.00} for my consolidated loans. The increase in payment amount for the consolidated loans was explained to me as being a requirement for switching from IBR to REPAYE. XX/XX/XXXX - Interest on the 2 consolidated loans is capitalized XX/XX/XXXX - Interest is capitalized on the subsidized consolidated loan ; unclear why XX/XX/XXXX - Two payments for the REPAYE plan are made - {$46.00} & XXXX ( Total {$200.00} ) ; unclear why this payment was listed as 2 separate payments XX/XX/XXXX to XX/XX/XXXX : 12 payments of {$200.00} made on autopay ( dates listed below ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : IDR payments begin under the REPAYE plan and remain the same until I recertify my income in early XXXX XXXX ie, I paid the same amount from XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX : Payment recalculated based on new income certification and letter sent from XXXX stating that the " new monthly payment is effective for all payments between XX/XX/XXXX and XX/XX/XXXX '' XX/XX/XXXX : Payment recalculated based on new income certification - changed to {$330.00} XX/XX/XXXX to XX/XX/XXXX : 10 payments of {$330.00} - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX : XXXX sends a letter reminding me income certification is coming up soon. States that it must be completed by XX/XX/XXXX or my payment on XX/XX/XXXX will increase to {$1800.00} XX/XX/XXXX : I receive an email letting my know an upcoming payment is coming due. The payment has unexpectedly increased to {$1500.00}. XX/XX/XXXX : I call customer service to understand what occurred. I speak to 3 separate customer service representatives, who all have varying explanations. Finally, the supervisor explains that 2 of my loans ( the consolidated ones ) are on a different income verification schedule than the others and that I needed to recertify prior to the end of XXXX for those 2. Because I didn't my payment for those 2 loans went to the 10-yr amount for the XXXX payment. I present her with the letter from XX/XX/XXXX that states I only need to recertify by XX/XX/XXXX and she responds that was a glitch in the system and that there are 2 loans that need to have income certification earlier but she states that their system is not designed to include the earlier deadline. I also point out that my payment was the same through XXXX of the previous year, that my income was certified in XXXX, and is only required once per year, but she still states that those 2 loans are on a different schedule. As " resolution '', they are submitting may issue to their compliance department. In the meantime they instructed me to not make the payment of {$1800.00} and wait for the compliance departments response, which can take up to 60 days. They say that is okay because they don't report to the credit bureau 's until 90 days and if the payment is corrected they will backdate it so that I'm not delinquent. Post XX/XX/XXXX - I completed my income verification and my payment amount was recalculated. However, on XX/XX/XXXX I received a letter saying my REPAYE had been recalculated and would be applied starting XX/XX/XXXX. My new bill for XXXX reflects this recalculation although my previous certification was applicable through XX/XX/XXXX and so should not be applied until the XX/XX/XXXX. Depending on the outcome of the compliance department decision, they may be requesting that I pay an extra {$500.00} ( {$830.00} - {$330.00} ) for the month of XXXX and possibly the month of XXXX. In total that is > {$1000.00} for the 2 months.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been making payments to XXXX XXXX since XX/XX/17 and due to the government putting a forbearance due to disaster near or far away from me, i am having to call each month to remove it. i was not affected by a disaster and I am not ok with someone else deciding for me I need forbearance. I have not approved it nor can I call anyone to end this process. The customer service are trying to help but the account continues to have money moved around and I am getting monthly reminders that I have missed a payment only to find in the account that I did indeed pay it on time. I cant get a number to call with the Department of Education to end the forbearance. I am not approving this and I want my account to be cleared so I can pay my on time payments in peace. I spent 1 hour on the phone trying to fix this 2 times in 2 months. Today a forbearance was put on my account again and my payment due was changed. I have no information in the account about this. Correspondence is sent after my account details are changed so I am getting info after it has been applied. Again without my approval. I want to be informed before something is happening not after. My calls to customer service have to happen to stay informed and are a waste of time on both ends. this system needs to be changed.
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have tried on more than one occasion to dispute the verbiage on my credit report. XXXX refuses to change it despite my efforts. AES, XXXX XXXX XXXX, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. XXXX need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/2018, XXXX states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " 0 '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/2018.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I wanted to remove my co-signer after 10 years of on-time payments. AES said the only way to do that was to re-finance. So I did. The new bank sent the payoff amount which was credited to my AES account on XX/XX/XXXX and resulted in a credit of approximately 57 dollars. I contacted AES to ask when the refund would be processed and to whom ( to me or to the bank who refinanced the loan ). They told me that in 5-7 business days the refund would be given back to the entity that made the payment. After the specified time had passed, they had still not processed the refund. So I contacted them again on XX/XX/XXXX only to be told that the process takes 30 days. When I mentioned the previous chat, the customer service representative had told me I remembered the details wrong, and straight up LIED to me about the what I was initially told. I asked for a copy of the original chat transcript for proof of what I was told and she said I would receive it in 5-7 business days. Holding on to an over payment for 30 days when the loan amount has been paid in full is unacceptable. 5-7 is understandable as you may want to ensure that the payoff check has cleared but at this point, the new bank is charging me interest on that overpayment amount, so the check has most definitely cleared.
Company Response:
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was Appling for a loan for a small business and I was informed that I had late payment from a company called XXXX XXXX in which I didn't know because I had set up a payment plan with the company that XXXX XXXX bought the account from. I had the account set up on automatic payment, so that I would never miss a payment but XXXX XXXXXXXX bought the account and I didn't know and was not informed, so all this time I was thinking I was making payment, my account was getting hits for being late. My credit was hit from XX/XX/XXXX of the month of XX/XX/XXXX to the month of XX/XX/XXXX. I have current made taking care of all the late fee and now I am current.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: my loan was in rehab approx. 12 months and I never missed a payment. once the loan was rehabbed I was transferred to XXXX XXXX XXXX to handle my loan. I initially spoke to someone from their company in XXXX or XX/XX/XXXX. I gave payment information to process payments and my payments at the time were XXXX and I was on direct debit with the other company. I did not received any other emails from the company in my inbox one or two went to spam the company claims they were sent but I can not confirm since they could have gone to spam. On XX/XX/XXXX my mortgage servicer requested a rapid rescore for the 20 points I needed to get my pre qual letter. it was processed and we re ram my credit on XX/XX/XXXX to find out my score dropped on one report 64 points because XXXX XXXXXXXX XXXX reported over 90 days late over XXXX. I called them immediately spoke a supervisor on that Monday and called back Every day until the following Monday. I spoke to 6 supervisors and 8 reps. none of which could give a date they tried to call and I was told more than once they will not call because I was paperless. the supervisor on XX/XX/XXXX told me my phone number was listed in red in their system and asked had my number changed I said no and asked why no one called she stated she doesn't have an answer. I found out during that week that my payments changed to 160.+ per month but I had no idea because no one contacted me or confirmed I ever received payment change information. on XX/XX/XXXX I called Ombudsman at both the dept of education and XXXX XXXXXXXX XXXX I received a call back from XXXX or XXXX at XXXX XXXX XXXX after a week of no one having a record of any phone call attempts she fabricated 2. I was told that my number was disconnected according to them on XX/XX/XXXX I have attached my phone bill and if necessary can allow you access to my account to pull the bill yourself. there is no time on any of my bills I can see a call from the servicer ever and my phone was as you see working fine -- also they fabricated a call to a second number on XX/XX/XXXX and that person confirmed and will sign a sworn statement to that effect is this goes to court that no call was ever attempted. I also gave permission for voicemail even if it was a recorded message I got no recorded messages because they are lying about calling. I lost a mortgage my broker is also willing to give a statement as well. Failure to properly communicate about this debt, payment change ect is a violation of my rights under fair credit reporting and needs to be rectified. I have consulted an attorney who advised me to exhaust all available avenues which is what I am doing. as you can see from the attached email chain the mortgage situation is real no fabricated
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A