Date Received: 2023-03-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Showing fed loan servicing account from over 8 years ago on credit report showing I owe a balance
Company Response:
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: ACCOUNT XXXX appears that I have 7 ineligible payments. The first three periods are : XXXX, XXXX, and XX/XX/XXXX. Obviously, I can not pay on these dates because in Puerto Rico we were hit by two hurricanes, Irma and Maria. Literally, we had to survive. Because I am a public servant, we had to work give humanitarian relief to our people. Another ineligible period is from XX/XX/XXXX to XX/XX/XXXX. Fedloan applied to me a Delinquency Forbearance because they delay the process of renewal my Income Based Repayment Plan and they charge me a lot of money, {$400.00} that I can not pay, that is the reason than I am requesting IBR Program. Enclosed you will find my communication to Fedloan in XX/XX/XXXX. For the reasons exposed above, I request these 7 payments change to eligible because all the time I am a public servant, work to the XXXX XXXX XXXX XXXX XXXX and must request the hurricanes forbearance and later the bureaucracy and unfair service of Fedloan applied arbitarirly. Never I refuse to pay, only I want to pay a fair amount based in the Income Base Repayment Plan. I continue paying these months using the amount that I was paying, because Fedloan refused to say to me the new amount to pay by IBR Program that I was renewing. I submitted my PSFLF on time to Fedloan and lateXXXX, these inelegible payments qualify for the Special Waiver
Company Response:
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Old creditor remarks late payment in 2020 then transfered to new creditor after being dissolved. New creditor payment history 100 % on time. Dispute with credit bureau unresolved as new creditor XXXX advised me to file a complaint/dispute because they can not remove remark from old dissolved servicer.
Company Response:
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a letter from the Federal Education Director saying that my loan was being President Biden paused student Loan Payments until XXXX or until a decision is made by the Supreme Court. I work for a nonprofit. My loan servicer American Educational Service ( AES ) ignored the approved pause by the president and reported my student loan as severely delinquent to all three credit bureaus. I immediately sent AES a copy of the letter I received from the Department of Education and they just ignored it as they did the President 's pause. As a result, my credit score has dropped XXXX points, and my banks and other financial accounts have increased the cost of doing business and interest on my account. Even though it is a hardship, I paid two additional payments to the account. To try to avoid this financial train wreck ' until I can find an attorney to address the detrimental effect on my financial reputation Their blatant disregard has had detrimental to my livelihood. Please help me with direction on this.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX XXXX XXXX American Education Services Complaint Action Required : Background of Complaint : In XXXX I entered into a private student loan with American Education Services out of XXXX , while living in California , for the record the education loan was for my daughter. Per my student loan terms with AES/NCT I repayed the student loan for the minor. Without default, I paid this loan for a duration of 14 years prior to my lay-off and hardship experience during Covid-19 dated XXXXXXXX XXXX XXXX, I was direcly impacted economically and applied for Unemployment therafter. I contacted legal-aid to discuss the commencement of a XXXX XXXX as my funds had been exhausted and I forecasted not being able to have a means of earnings to pay for prior Creditors without being terribly in arrears. I started my Texas XXXX XXXX proceedings XX/XX/XXXX in my county of residence, with my Trustee assigned to me I worked compliantly to provide the lengthy steps and was issued by the XXXX XXXX XXXX Texas - XXXX XXXX a case number. I followed the steps assigned and I continued to make payments as Trustee requested until a formal letter was sent by the Court to all my Creditors including AES/NCT ( American Education Services/National Collegiate Trust ) for which my complaint is set forth to cease and desist. During my bankruptcy case prior to discharge all Creditors were afforded two separate meetings to show up to deny any reason that in this bankruptcy case of hardship the remaining $ XXXX on the loan could not be written off. AES/NCT both of these organizations did not appear in either of the two meetings for Creditors to express concerns for not clearing this hardship debt nor did they reply to the Filing Deadline by XX/XX/XXXX to assert that I was not entitled to receive a discharge and motion that this discharge for the remaining loan be denied. The US Bankruptcy Trustee entered a final order of all debt discharge on XX/XX/XXXX and my case was discharged succesfully. It is now XX/XX/XXXX and I have had AESXXXX issue a lawsuit in the court of XXXX XXXX , PA ( prior county I lived in during XXXX ) and I am appearing in court to defend myself against this predatory behavior. It should be noted that the Predatory actions of this private loan organization are illegal and this complaint should be followed up with this organization Timeline of Events Leading to XXXX XXXXXXXX XXXX Bankruptcy Discharge. 1. XXXX XXXX Loan for school received ( continued payments through ( XX/XX/XXXX ) 2. XX/XX/XXXX Laid off from sole job during Covid-19 hardships and loss of wages commenced this month 3. XX/XX/XXXX Utilized all savings and made payments on all debtors until destitute and proceedings entered for XXXX XXXX XX/XX/XXXX. 4. XXXX XXXX to XX/XX/XXXX XXXX XXXX case was active and open all creditors were mailed by the court and Trustee provided Creditors two separate opportunities to present any extenuating reasons why Debtor should be not have any accounts discharged. XXXX. XX/XX/XXXX XXXX XXXX XXXX Discharge for XXXX XXXX - Case Closed As of XX/XX/XXXX NCT - AES dismissed it's case against me in the XXXX XXXX, PA Civil Court my credit report needs to show that this is no longer a collections account and this matter is legally closed as part of an economic hardship Bankruptcy. Please report as such to all three credit bureaus.
Company Response:
State: TX
Zip: 79606
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I enrolled in XXXX XXXX on XX/XX/XXXX. I attended the school for 2 quarters ( XXXX ) and withdrew from the school on XX/XX/XXXX. I received a letter from the office of Attorney General on XX/XX/XXXX stating that my restitution claim against XXXX was approved and that XXXX had agreed to waive collection of {$11.00} XXXX in private debt that was owed by students whose last day of attendance was between XX/XX/XXXX and XX/XX/XXXX. My last date of attendance recorded is XX/XX/XXXX. The letter states that no action is required by students to obtain this debt relief. I called AES to explain that I am no longer obligated to make monthly payments in XXXX XXXX. I gave detailed events of my withdraw date and how I felt I was not responsible for the loan since collection were waived. I was told that Im not on a list and I would have to continue making my payments. I requested a supervisor and she told me to upload this letter to my AES account for review and someone will get back with me. I detailed the events and explained how I did not receive the full loan amount and how I am not responsible for the debt since it was waived. It was again determined that I was responsible for the debt but without a reason as to why. I do not see evidence that a thorough investigation was performed to verify my liability to the full debt owed. I made several calls to AES to request my promissory note and disclosures, which I received. Upon viewing the documents for myself, there are many red flags that prove as evidence that my loan has fraudulent activity on it. The last call I made to AES was on XXXX XXXX, XXXX and after explaining my case to someone else, the only solution I was given was to write the loan services and request the loan be discharged after explaining the story and providing evidence. Since I was not provided any contact info other than a name, I searched for the loan servicers contact information online and found nothing. It seems that despite my efforts to resolve this issue with AES, Im being taken on a wild goose chase to clear this debt while interest charges, fees and increasing debt continue to stack against me.
Company Response:
State: KY
Zip: 40165
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have called American Education Services ( AES ) 3 times over a period of time since XX/XX/XXXX through XX/XX/XXXX. I had been told during the first two phone calls that I didnt have federal student loans and I couldnt receive covid student loan relief during the time period when Covid allowed suspension of fed loan repayments. During XX/XX/XXXX, I read into the details of my loans and how to tell if they were federal student loans, which I confirmed is what I do hold. I spoke with a representative this morning, XX/XX/XXXX around XXXX XXXX and she confirmed that I had federal student loans but that AES was a third party and some loans AES hold are not eligible for student debt relief because theyre not considered/treated a federal loan anymore. I responded how is that fair. I take out and sign a contract to repay a Fed loan and its not my fault they were sold to AES. I didnt agree to those terms and I dont believe that can be correct or legal. So, Im requesting a review of this policy. Can you please clarify the accuracy of this information? Thank you.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I consolidated my student loans in XX/XX/XXXX in order to qualify for student loan forgiveness. As of XX/XX/XXXX. All of my student loans were consolidated under one company as has since been updated to my credit report under the new student loan company. I contacted American Education Services XX/XX/XXXX in reference to the loans that remain open on my credit report that is currently showing opened that are consolidated with another company. The representative for the company advised me to call back on XX/XX/XXXX to receive an update for thr removal of this information from my credit report. I was advised to make a complaint to get this errors from my credit report. I have also been advised by American Education Services that my my student loans are no longer with the company and the balance is XXXX however the balance is still listed on my credit report. I believe I should not have to file a complaint in order for this company to remove these accounts in order for my credit report to be updated. I am requesting the accounts listed on my credit report be closed and defrom my credit report.
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Recent conversations were initiated with PHEAA/AES. No matter who I seem to speak to in Customer Service at AES/PHEAA, the individual clearly has no reasonable expectation of respect for borrowers. Every interaction to me ends on a negative note and the Representative instead of de-escalating the situation, attempts to argue with me or become verbally agitated and/or annoyed with questions that deserve logical answers instead of opinionated ones. I have received " XXXX '' on multiple occasions who claims to be an Account Specialist. The most recent conversation, XXXX seemed to bring up past conversations trying to compare business at my Employer to business at AES/PHEAA XXXX I'm not entirely sure what the thought process was behind his motives, but I do feel each time I conversate with this individual, that his discussion points are inappropriate and fall off topic. He continues to promote himself by mentioning multiple times that he's worked at AES/PHEAA for 11 years. I still get confused with what that has to do with the complaints and concerns that I have when I call in. He also contradicts himself when he claims that he can not disclose any disciplinary action details against employees, but then he mentioned in the last conversation that a previous employee I had issues with no longer works there ( XXXX ). In the course of each individual 's duty at AES/PHEAA, it is never appropriate for employees to bring up details to the lengths that Jon went to, regardless of how long they have been at the company. There is much concern over the growing issues with customer service at AES/PHEAA . I am not an anomaly as I have heard other accounts from other individuals about the same issues. I may be one of the " few '' that actually holds people accountable for their negative actions. Any employee who is tasked with responding to this complaint is strongly advised not to ignore it and/or not to provide a canned response that appears as though the Agent never did any thorough investigation into the conversations that took place. There are still open complaints against AES/PHEAA that have yet to be answered, so I would recommend providing responses to those as soon as possible to avoid additional complaints being opened. I may initiate FOIA requests if I feel that my complaints are not being handled appropriately including a copy of all recorded phone conversations. Thank You.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
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 been trying to get this derogatory off my credit report for months. I have sent in 5 disputes, and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The financing associated with students education is part of their records and should be maintained private according to this law. Client did not opt in at any time for the bureaus to report their student education records.
Company Response:
State: IN
Zip: 46614
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A