Date Received: 2022-02-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XXXXedloan. PSLF application. Takes over a month to receive replies to email with no response to the concern, just asking for more patience. Been almost 90 days since getting a letter to verify my employer eligibility to move my PSLF application forward. Ive been employed with the same eligible employer per Federal Fin Aid site since 2002 and making payments ever since. There is no reason to hold up my account with no specific response to my inquiries.
Company Response:
State: CO
Zip: 80111
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Good Afternoon, I found your helpful article published by XXXX XXXX on XX/XX/XXXX when searching for help regarding my student loans and Public Service Loan Forgiveness. I currently have consolidated federal loans serviced via FedLoan Servicing. They previously informed me that they intend to cease servicing this loan, but that has yet to occur. On XX/XX/XXXX I filed a PSLF application to determine if I am currently eligible for loan forgiveness, and if not, how close I am to forgiveness. I followed up multiple times before eventually receiving my results on XX/XX/XXXX. These results claimed that I have only between 20 and 23 qualifying payments, even though I have been working in public service for over 12 years, and have never been late with a payment when not in deferment. I was shocked. The PSLF letter had no breakdown of qualifying and non-qualifying payments, but I did find such a breakdown elsewhere on their website under a section entitled " Public Service Loan Forgiveness ( PSLF ) Payment Tracking. '' Here, I found 20 payments noted as " ineligible payment, '' presumably because they were not under a qualified payment plan at the time, but that all should count now. I also found big gaps where nothing showed as either qualifying or non-qualifying, included only one month addressed before XX/XX/XXXX ( XX/XX/XXXX shows as non-qualifying ). There are only 2 payments before 2019 listed as qualifying, and looking at the wide dispersal of recent qualifying payments it doesn't appear that the new guidelines have been applied at all. I called their consumer helpline, and the representative appeared to have a script she would read any time I would refer to the President 's recent change in how these loans are applied for PSLF purposes, informing me that " there has been no change to the federal law. '' Once we got past that and I tried to address the discrepancies, she made general statements that I must have been not employed with a qualifying employer or on deferment for the ineligible times. When I pointed out the " ineligible payment '' notations on times that I was clearly employed with a documented eligible employer and had not paid late, she said that the " recent interpretation '' of the PSLF guidelines may not have been applied there. When I asked about the years of missing data, she said that perhaps they hadn't serviced my loans then. When I asked how to remedy all of this, she suggested I file another PSLF application closer to the XXXX deadline. Considering it took almost 3 months for this calculation to occur, and the multiple problems contained therein, I don't feel that is a viable option. I have over 90,0000 in student loan debt riding on this decision and it impacts every aspect of my life, from current career choices to future financial budgeting. I don't know if these loans should be forgiven now, in months, or in years, and there doesn't seem to be a means to determine that. I was searching for private entities to investigate this on my behalf when I came across your article. Obviously the idea of going further into debt to pay someone to advocate on my behalf isn't appealing, but I feel like I'm running into dead ends everywhere else. I would be so grateful if you can help me find some clarity.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have been a part of the XXXX program for a long time. I have had XXXX of XXXX payments certified. I have XXXX more that I have yet to certify. In XX/XX/XXXX I was contacted and told that my account is under review based on the changes that President Biden put in place for the XXXX program and that I would qualify for additional months credit. I was then contacted again in XXXX of XXXX and told the same thing. Based on when I was working for a XXXX approved employer, I should already have met my XXXX payments. Fedloan Servicing is simply not processing things. They are doing nothing and my account should be updated after over XXXX months of waiting! I am concerned that they will not have this done in the next XXXX months, and then I will have to start repayment of my loans, which should already be forgiven. I want Fedloan Servicing to complete the review and update my account with the correct XXXX loan payments that should be approve based on the new standards. I have contacted them on multiple occasions and they have stated that it is in process and they have no idea when accounts will be updated.
Company Response:
State: IN
Zip: 46168
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had been making monthly payments of {$60.00} a month to Fedloan. From XXXX XXXX-XXXX XXXX they were not posting my payments to my loan. A total {$480.00} that was sent to them over those months was not applied to my balance. When I had tried to contact them there was no getting through on the phone and my emails were met with automated responses that had nothing to do with the issue. My loan is now under another creditor and my balance is still incorrect due to Fedloan.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I submitted updated applications and certifications for both XXXX XXXX XXXX XXXX ( XXXX ), as well as XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) under terms of new eligibility requirements introduced through the new " Limited XXXX Waiver '' introduced by the Department of Education in XX/XX/XXXX. I submitted my updated applications and employment certifications in XX/XX/XXXX, verifying that I have been employed by approved XXXX XXXX XXXX nonprofit organizations for more than 10 years, ( from XXXX through the present, XX/XX/XXXX ) while making regular student loan payments, with some short periods of forbearance. In XX/XX/XXXX, my student loan servicer, FedLoan Servicing, informed me that my XXXX and XXXX forgiveness applications were denied because my total number of " qualifying '' payments did not total XXXX. However, my total number of eligible and ineligible payments is more than XXXX ; under the new terms of the XXXX XXXX XXXX, these payments should be approved as qualifying. They were rejected by FedLoan Servicing as " not qualifying '' because I had either 1 ) an " ineligible repayment plan, '' or 2 ) because my payment " was received outside the payment period window. '' The terms of the new XXXX XXXX XXXX state that all federal direct student loan payments -- regardless of the type of repayment plan -- are qualifying, with the approved employment certification. Late or incomplete payments are also eligible and should be approved as qualifying, with approved employment certification. Thus, under these expanded terms of the Limited XXXX Waiver, my current total of " qualifying payments '' should be updated to well over XXXX -- to include all payments I made under a previously ineligible repayment plan and all those I submitted slightly late. My application for loan forgiveness was inaccurately denied under the expanded terms of XXXX XXXX. My qualifying payment count should be updated acccordingly, my XXXX application should be approved, and my loan should be discharged.
Company Response:
State: RI
Zip: 02840
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have this huge student loan debt for a degree I never could get a job in. I received the loan from XXXX XXXX we were informed we may get hired at the site we did our hours at. I did not get hired but I never could get a job because I did not have any experience. So now I have this huge debit for a degree I can not use. Or half the credits is not accept at our school
Company Response:
State: IL
Zip: 60048
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Dear Team, As we hear more and more about the damages and faulty practices by both schools and lenders my story is no different, a great travesty! The two loans which were consolidated in XXXX are essentially the same balance at hand in XXXX after still paying over {$110000.00} and yet they want another 20 year commitment for {$120000.00} balance to consolidate again. Just criminal. I have paid before consolidation in XXXX and from XXXX onward to XXXX with the same if not more outstanding balance. AES is the gatekeeper who does nothing after repeated calls because they are NOT the lender. every time I call to ask for some kind of forgiveness they will not honor even after working for nonprofits which are listed for forgiveness because my loan does not qualify. Again, I have had and made consistent payments for over 20 years. The loans came with a very high weighted interest since loans were originally taken out in the XXXX so now at 6.125 % for {$38.00}, XXXX and {$81000.00}- they are now at {$39000.00} and {$87000.00} with consistent payments of well over {$130000.00}. They were never honest and up front as to the types of pay back the loans that would be forgiven so even when I made consistent payments they did not fall under the description for forgiveness.
Company Response:
State: CA
Zip: 92264
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted a complaint ant it was given Complaint # XXXX. I just received a letter that it was suspected of being submitted by someone else so it was just cancelled. This is especially disheartening in that I submitted this myself and complained to a government agency who just cancelled it without verifying it or looking in to it. If it was suspected of being from someone else, shouldn't that be verified prior to just cancelling it. If CFPB won't take the complaint and the Department of Education Ombudsman won't reply, who I am supposed to go to? Please look at this original issue. I believe I have been given terrible advice through the years by both XXXX XXXX and Fed Loan Servicing on my XXXX XXXX XXXX XXXX. I am an XXXX XXXX stationed in XXXX.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted my application to FedLoan Servicing for the Temporary Expanded Public Service Loan Forgiveness. I completely qualified for the loan based on the bylaws which I have included in this complaint. I qualify because I have made XXXX on time payments to XXXX and XXXX Fed Loan servicers both XXXX subsidized and unsubsidized. I have also been a public school teacher since 2005 full time with no gaps in employment. So i followed the rules : I consolidated my Navient and XXXX loans as indicated in the Temporary Expanded Public Service Forgiveness program, sent in the application, sent verification of my employment and didn't hear anything. I then wrote a letter asking for the status of my application. I was then sent a letter stating that I do not qualify because I have only made 2 payments. THis is totally untrue and I have made over XXXX payments and completely qualify according to all of the printed information on the Temporary Expanded Public Service Loan Forgiveness site. I have included copies of all of the documentation that FedLoan Servicing has been sent.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: AES and XXXX are the same entity. When you go to the XXXX website you learn that it operates part of its national business as AES, meaning that it is in part one legal entity. However XXXX practice of managing its loan accounts confuses one to believe that another entity is owed the alleged debt. The FCRA and FDCPA protects consumers against these kind of reporting practices. AES/XXXX transferred this alleged debt to XXXX in XX/XX/XXXX. Then on the same date XXXX closed the account and sold the alleged debt to a third party, XXXX XXXX XXXX XXXX did this without attempting to contact the account owner first to notify their acquisition and/collect on the alleged debt. XXXX XXXX XXXX did not report the debt to the credit bureaus, but did send notification of their acquisition and did attempt to collect the debt. From XX/XX/XXXX until XX/XX/XXXX, XXXX XXXX XXXX was the owner of these alleged debts. In XX/XX/XXXX XXXX reacquired the alleged debt from the third party after I disputed XXXX right to report an alleged debt they did not own, with all credit bureaus. XXXX found validity in my dispute and removed XXXX listings from my XXXX credit report for FCRA and FDCPA violations. XXXX did not reassume responsibly for the alleged debt from XXXX XXXX XXXX until XXXX XXXX ; however, they reported these alleged debts to all credit bureaus as owed to them for XXXX ( XXXX ) months after selling the debt to a third party in XX/XX/XXXX after first acquiring the alleged debt from AESXXXX. XXXX also attempted to collect this alleged debt in direct violation with the U.S. Education Departments COVID-19 Emergency Relief guidelines currently active until the end of XXXX. During the same timeframe XXXX XXXX XXXX was also attempting to collect this same alleged debt which could have resulted in double enrichment for XXXX, which is a violation of FCRA and FDCPA consumer protections. The original debt amount listed by XXXX differs from the original debt amount reported by the original creditor AESXXXX. I have attempted to validate the allege debts owed to creditor XXXX and AES to no avail. When I go to the XXXX website to login to this account, I am redirected by XXXX to AES in order to review and manage this allege debt owned by creditor XXXX. Once logged on to this account I see that I have a XXXX ( XXXX ) dollar balance, nothing is owed on this account, and the creditor has deleted all payment & billing statements from their system for the the alleged debt with both creditors XXXX and AES under the account. Both creditors are intentionally preventing me from being able to validate the information they are reporting to the credit bureaus which is a violation of FCRA and FDCPA consumer protections.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A