Date Received: 2023-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Fed student loan also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
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 a total of 7 loans through PHEAA /Fed Loan Servicing totaling {$32.00}, XXXX these accounts were closed and transferred to XXXX XXXX XXXX . The same loans are being reported by XXXX XXXX and PHEAA, the last delinquency on these accounts was in XXXX, and in XXXX they were transferred to XXXX XXXX. The total amount of student loans that should be listed o my credit report should be {$62000.00} and not {$94000.00}. If this is not corrected, I will take this matter to the state representative office and contact a lawyer. *** The amount of " NOT '' be listed on my credit report for {$32000.00} for these 7 accounts have been transferred to XXXX XXXX for servicing. Both XXXX XXXX and PHEAA Loan are reporting the same loans and that is illegal to report the same accounts twice to the credit reporting agencies. ic Please remove PHEAA ( FedLoan Servicing Center ) from my credit report file. Please see the attached documents,
Company Response:
State: PA
Zip: 18102
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
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 a total of 7 loans through PHEAA /Fed Loan Servicing totaling {$32.00}, XXXX these accounts were closed and transferred to XXXX XXXX XXXX XXXX The same loans are being reported by XXXX XXXX and PHEAA, the last delinquency on these accounts was in XXXX, and in XXXX they were transferred to XXXX XXXX The total amount of student loans that should be listed o my credit report should be {$62000.00} and not {$94000.00}. If this is not corrected, I will take this matter to the state representative office and contact a lawyer. *** The amount of " NOT '' be listed on my credit report for {$32000.00} for these 7 accounts have been transferred to XXXX XXXX for servicing. Both XXXX XXXX and PHEAA Loan are reporting the same loans and that is illegal to report the same accounts twice to the credit reporting agencies. ic Please remove PHEAA ( FedLoan Servicing Center ) from my credit report file. Please see the attached documents,
Company Response:
State: PA
Zip: 18102
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2022, my student loans were transferred from FedLoan Servicing to XXXX. It is now 6 months later and the XXXX account is still showing as open on my credit report, which is severely impacting my ability to obtain a mortgage because it doubles my debt to income ratio. I have disputed this with XXXX, without results.
Company Response:
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Background of Complaint : In XXXX I entered into a private student loan with American Education Services out of Pennsylvania, while living in California, for the record the education loan was for my daughter. Per my student loan terms with XXXX XXXX XXXX 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 XXXX of 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 AESXXXX XXXX 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. AESXXXX 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 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 XXXX 's Bankruptcy Discharge. XXXX. XXXX XXXX Loan for school received ( continued payments through ( XX/XX/XXXX ) XXXX. XX/XX/XXXX Laid off from sole job during Covid-19 hardships and loss of wages commenced this month XXXX. XX/XX/XXXX Utilized all savings and made payments on all debtors until destitute and proceedings entered for XXXX XXXX XX/XX/XXXX. XXXX. XXXX XXXX to XX/XX/XXXXXXXX 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 Discharge for XXXX XXXX - Case Closed
Company Response:
State: TX
Zip: 76132
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: American Education Services has been calling me about my co-signer 's address being invalid. I have always kept my contact information valid, and I have never missed a payment ( approaching 20 years ). I told them that I don't have that information and they keep calling. They even went so far as to send a written letter to my wife 's father 's house, which she hasn't lived at for nearly 20 years. My wife isn't the co-signer. I have no idea how they even obtained this information? Just today, they called me two times about this matter. I requested that they stop calling me about this matter. They said they won't stop.
Company Response:
State: IA
Zip: 50322
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I need help enforcing the Fair Credit Reporting Act, the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN consent. Federal law overrides any company policy, Pursuant to consumer law 15 USC 1681b-permissible purpose. This company is listed on my consumer credit report several times. I want them removed from all 3 credit reporting bureaus. I have filed an FTC complaint # XXXX
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I previously reported the loan servicing for not doing what theyre supposed to do on my credit report however, they want to claim that the debt or balance is still there. However, these loans have been XXXX. There is no more debt or balance to be owed and FedLoan servicing keeps fraudulently reporting. They need to fix this issue or they will be litigation. This is not going to continue and I will not continue to be financially harms by Fedloan servicing for them not doing what theyre supposed to do.
Company Response:
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Greetings, XXXX XXXX XXXX XXXX XXXX XXXX XXXX respectfully request to have my information about my AES XXXX loan that appears on all credit bureaus to be resided. I have worked hard to be a good XXXX and pay all my debts. The fact is my AES XXXX loan account has been closed since XX/XX/2019 and it shows as if it it is still open and I am XXXX days late in my school loan payments. Again, my account has been CLOSED since XX/XX/2019. In fact, AES shows that during XX/XX/2019- XX/XX/2019 my account was not paid. When in fact my account was in forbearance. Again, my point is that my AES XXXX XXXX account has been CLOSED since XX/XX/2019. Respectfully, XXXX XXXX XXXX, XXXX.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: FedLoan Servicing has failed to remove off the XXXX Credit report. XXXX has failed to properly investigate this dispute and failed to remove FedLoan Servicing from the credit report. XXXX an XXXX have both removed FedLoan Servicig off the credit report and FedLoan Servicing has also verified removal from XXXX and XXXX. XXXX is not investigating this dispute and both XXXX and FedLoan Servicing are still reporting to XXXX without any verifiable proof they should still be on the report. All accounts from FedLoan Servicing shall be removed off the account since XXXX out of XXXX bureaus have already properly and correctly done so.
Company Response:
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A