Date Received: 2022-04-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX XXXX, I submitted my application for XXXX to determine how many eligible payments I have made as well as if i received/am covered by the temporary waiver. I have received two separate correspondences informing me that they received my application but I have not heard anything since. I've tried contacting both XXXX and FedLoan Servicing to get an update in the status ; however, neither institutions are able to give me XXXXspecific information. I have periodically reached out to both institutions, with the most recent inquiries taking place during the week of XX/XX/XXXX. XXXX sent me a copy of my payment history but it does not indicate XXXX payments or the eligible payments under the government pandemic forbearance, and FedLoan Servicing indicates that they still do not have any record of me in their system. With the latter, I am constantly transferred and left on hold.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am having trouble with my lender providing assistance to the freeze education offered by the president and education department. During the cares act AES claimed my loan was commercial only provided forbearance one deferred but with interest rate accruing. During my investigation of my forged documents and illegal transfer of my loan by AES/ XXXX XXXX, the XXXX had informed me I was a federal loan and I was misinformed. I would like to know why the lender has overlooked this and now Im in delinquent account. I am still seeking answers from XXXX XXXX, of The XXXX XXXX XXXX AES XXXX XXXXl on my illegal forged documents and illegal transfer of my loans to Goal Financial. I have fully complied and submitted a XXXX page fraud package on XX/XX/2021. AES FRAUD DOCUMENTATION/ IDENTIFICATION THEFT / FORGERY SENT TO THEM via Certified mail on XXXX receipt enclosed * AS PER THEIR REQUEST AND NOTARIZED Adding to my case. Cyclical elusive tactics- The latest response from the service department PHEAA /AES PHEAA and AES are non compliant, elusive tactics and have ignored my case. I have been requesting assistance with AES since XX/XX/2021. After much frustration and run around by them, I finally requested the Fraud Package. I have sent them the fraud package in XXXX via certified mail. *See documentation on the pdf provided False certifications and forged signature forms. Affidavit, police report, notarized request of my signatures etc as AES requested
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted via StudentAid.gov a consolidation application on XX/XX/XXXX, for three loans- two from XXXX and one from XXXX. I then unexpectedly received forgiveness for the XXXX loans on XX/XX/XXXX, for which I am deeply grateful. However, I subsequently received a letter from FedLoan indicating that my XXXX loan would be consolidated within 10 days, but that my previous loans from XXXX could not be added to my consolidation because the loans were paid in full status and that the loan must be in grace period or repayment status to be eligible for consolidation. Thus, the XXXX loan would not benefit from qualifying credit for payments made on the XXXX loans and would not be forgiven. While this technically makes sense, my original consolidation application included all three loans so that the newer loan could benefit from the older loans payment counts per the PSLF Limited Waiver. However, because forgiveness of the two loans occurred before the consolidation could be completed, they were erroneously not included. I submitted a complaint to StudentAid who advised me to Request to Add On to my Direct Loan Consolidation specifically because forgiveness occurred in the middle of the consolidation process. That too was denied, all of which goes against the intentions of the PSLF Limited Waiver. On top of all this, I would have consolidated sooner, which would mean none of this would happen and ALL of my loans would have been forgiven, but FedLoan advised me not to consolidate because it would affect my payment counts by resetting them ( not correct per the PSLF Limited Waiver ) and because the consolidation would take me out of COVID forbearance and put me into Administrative forbearance, which would result in loss of qualifying monthly payment credit.
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I Have recently had my identity compromised ( or just recently found out about it ). My unemployment was defrauded in the the Sate of New York. Than I found out that someone is using my name and personal information to obtain a state id in the state of Pennsylvania. I now started moderating my credit and seen that there is a Fed Loan, XXXX XXXX in my name for {$43000.00}. Opened up XX/XX/2020. I reported it to be fraud to credit XXXX and called XXXX and XXXX etc. I was told I need to make a report here. I am trying to get this figured out. I have reached out to Fed Loan Multiple times and Have not been able to make any progress with them despite even taking off from work to spend XXXX hours waiting on the phone with them. I am current on my student loans on all my payments. I have never been sent any correspondence from this Fed Loan Company and our have done any business with them.
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My employment certification hasn't been updated, processed, or corrected since XX/XX/XXXX though I have submitted the PSLF form several times and been asked to resubmit due to missing information ( that was not missing ). The last time I submitted this form was XX/XX/XXXX. I have called and been told that no employment would be certified until repayment starts which is false since that has already happened and nowhere in Fed Loan Servicing 's literature is such a claim stated.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a Federal Student Loan borrower with FedLoan Servicing and XXXX and a participant in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been working as a XXXX XXXX since XXXX. My hope is that you can step in to help me and several others who have been misguided through the XXXX process and are now desperate for a resolution to our specific situation. After receiving notification regarding the extension of the XXXX XXXX XXXX, I completed an original consolidation online for all of my XXXXXXXX XXXX XXXX XXXX Loans. I have had several correspondences with representatives from FedLoan Servicing beginning in XXXX, after the waiver was implemented. I began my consolidation process on XX/XX/XXXX, in accordance with the waiver instructions. I included all of my loans ( XXXX XXXX XXXX and XXXX XXXXXXXX XXXX ). I received a letter on XX/XX/XXXX that my request is almost complete. In this letter it stated : " We wanted to confirm that you intentionally included XXXX XXXX on your consolidation application, because consolidating your loans will " erase '' any qualifying payments you may have already made toward the required XXXX for XXXX and XXXX purposes ''. Due to receiving this letter, I immediately canceled my consolidation, as I did not want my payments to be " erased ''. I called on XX/XX/XXXX and spoke with a representative that stated I did not need to include my already consolidated XXXX XXXX with this consolidation, just my XXXX loans. This led to the representative removing my previous XXXX XXXX and leaving the XXXX XXXX out of the consolidation process. I was then informed that I should have included all of my loans into the consolidation for forgiveness. Because everything else was filed correctly, my account was reviewed, and only my XXXX loans were forgiven in XXXX, which had the XXXX qualifying payments. Due to not including my XXXX XXXX, my XXXX XXXX remains with XXXX and has not been sent over for forgiveness. My XXXX XXXX should have been included in the original consolidation which would have been forgiven with my XXXX loan due to the highest payment count, counting for all loans. This payment count should have forgiven all my loans based on the new XXXX waiver ; however, because of the FedLoan representatives change, they were not. This exact scenario has happened to several XXXX XXXX across the country over the last few months and even as late as yesterday. Weve been told there is nothing we can do to change it. I properly followed procedures but was horribly misled. I am now stuck with {$100.00}, XXXX that should have been forgiven on XX/XX/XXXX according to the XXXX waiver extension. Ive been told there is nothing to be done to fix this, but to wait until my 180 days and FedLoan Servicing will try to move my loans over and start the process all over again. On XX/XX/XXXX I completed the add-on loan form and submitted it to FedLoan Servicing as I am still within 180 days, since my loan was originally consolidated. It was received on XX/XX/XXXX. I spoke with XXXX from FedLoan Servicing on XX/XX/XXXX who told me that she spoke with a supervisor who advised her that I should wait until after my 180 days from consolidation ( XX/XX/XXXX ). If that happens my XXXX XXXX will not be able to take on the highest payment count of my previous consolidated loans, of XXXX qualifying payments. I have filed a complaint with the XXXX, which is still " pending '' and " under review ''. I do plan to contact my state representatives as well. Is there anything else I can do? Can you help me, and others resolve this injustice?
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: During the pandemic, my loans were placed on 0 % interest and in forbearance. However, I continued to make monthly payments and was able to pay off down my loans. Last week, I applied to recertify my XXXX plan. Immediately following my application, I was sent a two sentence notice that stated I did not qualify. There was no guidance in what I was qualified for to help with trying to " guess '' what my repayments would now be given that the forbearance is ending and that I had paid down some of my loans during this timeframe. I tried to utilize the calculator but it provides ranges of monthly payments. There is no solid answer until the actual loan turns back on for repayment and I'm told here is what you have to pay... so YOU figure it out. I've never missed a payment. I didn't vote for XXXX because he promised " forgiveness '' of loans, and I'm not out there promoting the legislatures who are trying to have loans blanketed " forgiven. '' I literally just want to know what my repayment amount will be with an ample amount of time to adjust my finances accordingly on my end. It is unfair to me and the other individuals out there who are trying to repay their loans but can't get a straight answer. I understand " COVID '' and " other factors '' have contributed to the problems were are seeing with loan servicing providers ( and for that, the rest of this nation and world ), but how can you expect a consumer to repay a loan with the click of a switch, without knowing in advance what that prepayment amount will be? How can a loan servicer expect their consumers to balance between mortgage/rent, gas, rising energy costs, rising food costs, and pay down their debt with stagnant wages? All I am literally asking for is my repayment amount with some advance notice to readjust my monthly expenses so I know where I have to cut costs to afford the repayment because right now I'm left guessing with a spectrum of what it could cost for repayment.
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am currently a XXXX resident attempting to enroll in PSLF. I work for a non-profit and clearly am eligible. I have been submitting the required paperwork for a year to FedLoan Servicing to re-enroll in PSLF after my loan service changed last year. I have not been able to get in contact with them for over 6 months. I have emailed and called multiple times, and their online chat never is available for use. There are many eligible payments ( toward the 120 total ) that are not being documented this year. I am very disappointed in the federal loan service I am receiving right now.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX I submitted XXXX XXXX XXXX XXXX to Fedloan servicing requesting that in school deferment is removed starting XXXX. I requested that the Fedloan servicing applies all the months of repayment while in the school deferment after XX/XX/XXXX while working for a qualifying XXXX employer and still going to school. I requested that Fedloan servicing up updates my payment count under the XXXX XXXX XXXX XXXX from XXXX XX/XX/XXXX. Today I received an email from Fedloan servicing stating that a deferment will be applied on my account and payments will be postponed. I am attaching screen shot of that email. I did not request deferment on my account to postpone payments. I requested that any previous deferment that was placed on my account is removed so that those payments can count towards XXXX.
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A