Date Received: 2023-06-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was laid off work due to a natural disaster ( Covid 19 ) I reported this to the company and they said I would be okay but report my payments late between XX/XX/XXXX to XX/XX/XXXX. By law it should of never been reported and THE LATE PAYMENT should be removed from my credit report ASAP
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I took these private student loans out from American Education Services at the age of XXXX. I did not fully understand what type of jail sentence I was signing up for. I have paid back more than what I borrowed. The interest ; however, is killing me. I have tried to call and have my payments lowered and have been told that I have used all of my options. These student loans are private, so even though I would qualify for student loan forgiveness - that is not an option. There are no options for help with my {$750.00} payment. I am drowning. I can't even die and it be okay because I had family members that were kind enough to co-sign for me. If I die, they will be straddled by this insurmountable debt. It should be illegal to take advantage of young students like this.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I checked my credit report and noted that my loan was negatively reported for late payment American Education Services ( AES ) when all of my student loans were in good standing due to the deferment set by the Biden Administraiton. Also, I have been completing my XXXX XXXX XXXX. AES has placed this on my credit report. This showed that my account was 90 days past due at the time. I have been working on my XXXX XXXX XXXX and taken a break from school which should have placed all loans in deferment, and also with President Biden placing all Federal Loans on pause until XX/XX/XXXX. My plan was to consolidate all my loans to be able to pay one bill monthly. However, the Federal Stafford that I have is now with the creditor American Education Services, and they were not my original creditor. When I became aware that there was a balance due on this loan, I paid {$530.00}, to include the late fees. to the company on XX/XX/XXXX, and I sent an email on XX/XX/XXXX, requesting that the negative remarks be removed due to me paying my account to a current status, and explaining that I have worked hard to have my credit score improved. I received a return email the next day, XX/XX/XXXX, by a representative stating that the payment was showing pending and that it takes two business days. The representative completely ignored my request to have the negative remarks removed as I specifically requested this. This prompted me to keep an eye on my credit report to watch for these remarks to be removed. I continued noticing that the negative remarks remaining on my account even when payment was processed, and my account was no longer delinquent. On XX/XX/XXXX, I emailed American Education Services once again and asked why my credit report on the major credit bureaus had not been updated when my account is current and for them to update my credit information that this has already been requested in a previous email. On XX/XX/XXXX, I received a reply from AES stating that they report on a monthly basis and the report will be submitted towards the end of XXXX. Also, I have paid in advance for XX/XX/XXXX, and XX/XX/XXXX. I noted that I received another notification on XX/XX/XXXX, stating that my account was 180 days late, which is not accurate when I was no longer delinquent, why wouldn't it have shown up earlier in the month. On today, I called AES and spoke with a representative on a recorded line, I asked why they report that my account is 180 days late and my account is current, that is false information and negative representation that this was just reported. The AES representative stated that they would not remove the late payment remarks, especially with him seeing that I was current. Before this companies ' negative remarks, my credit score was a XXXX. The creditor is very aware that reporting negative remarks on an individuals ' credit report hinders them in being able to live financially and maintain a stable lifestyle. I worked on improving my credit report to be able to purchase my home in XXXX of XXXX. If I would have known that this loan was not still deferment, they would have received payment, but I was not aware. My concern is why did they take these federal Stafford loans out of deferment when they are not to be repaid until XX/XX/XXXX, and why is intentionally attempting to hinder the credit of someone who has worked so hard to maintain good credit standing. I have son going to college and one never knows what may have to be borrowed to assist my child. I have paid them for what is owed as requested and they should rightfully remove the remarks as requested and show my account current without late payment remarks that affect my credit score.
Company Response:
State: AL
Zip: 36301
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My federal student loans have been transferred several times amongst 3 creditors. AES XXXX, Dept of Edu, DEP ED XXXX. Each They currently reside with XXXX. On my credit report the student loan accounts are listed under each creditor therefore showing my debt as tripled. They are also showing as collection accounts under each, when they are not in nor have they ever been in collections, but were just sold or transferred to another creditor. When I contacted each of these creditors they confirmed that my students loans has been either transferred or in good standing. However, no proper correction or update was made on my report.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I requested that my account be reviewed as the total number of eligible payments were not accurately totaled when my loan forgiveness was issued. I am due a refund which I have requested several times and have not received. I called PHEAA ( Pennsylvania Higher Education Assistance Agency ) a few months ago to place this request over the phone and I have not heard back. I never cashed the {$25.00} check that was issued to me and I do no plan to as there has been a lot of harm that has resulted from not having been issued loan forgiveness in a timely manner as well as not having received the refund which is due to me in a timely manner. I have called the phone number on the letters sent to me from PHEAA many times and there is no answer. It rings once and then the line is disconnected. The phone number supplied : XXXX is not a working number.
Company Response:
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Complaint against PHEAA, my wages have been garnished since XXXX and my balance has never gone, sometimes it goes up and their collection fees are never paid off. They have not reduced my loan balance. I have paid over {$17000.00} and my balance has not changed, according to them I owe more now then I did XXXX years ago. I have been working for a non-profit for XXXX years but I dont qualify for student loan forgiveness because my loans are in default, the solutions they offer only takes my loan out of default and XXXX have to start over and pay for another XXXX years with + {$40000.00} debt going back on my credit report. No thank you. At this rate my wages will be attached into retirement. They are stealing my money.
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Re-focusing on past statements PHEAA has provided in this forum, it is appalling that PHEAA basically calls me a liar by claiming that they couldn't " substantiate '' any inappropriate activity. The fact remains that they have employees who act threatening towards me when I call the company out on their wrongful behavior. Again, this is another form of discrimination against the borrower by the acts of their Agents. They allow people getting paid to be professional at their organization to act in any way other than professional. I have had Agents claim they were keeping a " close eye '' on my personal information after they became hostile over the phone simply because I disagreed with a statement they made. Chat Agents dialogue shows and proves contempt for being professional by claiming they " already answered my question '' when they did not, and I had to repeat myself multiple times. My guess is PHEAA deliberately deletes recordings that prove their agents are despicable and hateful individuals. These agents make mistakes that are borderline criminal by invalidly removing my access on multiple occasions. The responders are extremely short-sighted and fail to diligently look at all evidence of wrong-doing. There have been several chat transcripts like the one I submitted in the past. It is only when I post the entire transcript through this forum that PHEAA tries to claim apologies. Any other time, they find " no wrongdoing ''. This is an obvious red flag and a crucial clue that whoever is responding is not doing their job properly, and probably needs to be terminated or replaced. PHEAA STATEMENT FROM XX/XX/2022 -- While we understand that you have been dissatisfied with the service that you have received, we were unable to substantiate your claims of inappropriate activity. No further action related to restricting employees accesses to view account records is planned.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The account that shows a balance of XXXX is not my account. My loans are never XXXX. Fraudulent please remove.
Company Response:
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: AES is relentless in not negotiating with students regarding repayment options. I tried negotiating a payment schedule back in 2014 when I had a medical crisis and could barely make payments. The only option AES gave was one-half monthly payments and no interest negotiation. There are two small loans of {$3000.00} ( {$6000.00} total ) each that has ballooned to {$12000.00}. During this same time period, I was able to negotiate interest rate reduction with Navient in which I had been paying off along with AES -- no missed payments. I was able to pay Navient in full once the interest was removed. AES will not budge and states the only forgiveness will be upon death. Also, I can not consolidate this loan into my federal loan consolidation/borrower 's defense claim. Something needs to be done where this interest rate is reduced -- this is highway robbery.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A