Date Received: 2022-12-14
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On or around XXXX, my wife ( now ex-wife ) consolidated our XXXX direct federal loans under a spousal consolidation loan. I am a co-signer for the loan, that was last seen with a {$51000.00} balance. For several years, I have been attempting to place the XXXX XXXX XXXX loan into the XXXX XXXX XXXX XXXX XXXX as I have been actively serving in the XXXX XXXX XXXXXXXX since XXXX of XXXX. About a year ago, I applied in the special waiver window to attempt to get my loans forgiven. 7 months ago FEDLOAN sent me an update that my XXXX form was complete and pending final review ( see the e-mail string below ). This was the last time that anyone from FEDLOAN provided me information or a status on my application. When I logged into my FEDLOAN account last week, all of the information on the spousal consolidation loan was gone. I sent a message to FEDLOAN customer service yesterday and was sent a reply that I am to contact XXXX ( also see below ). When I contacted XXXX at the number provided, I was told that I do not exist in their ( XXXX 's ) systems. I have met all the requirements to have my loans forgiven through XXXX. It's my hope that the loans were forgiven, but that contacting me about the action fell through the cracks. Could someone please assist me in figuring out what is going on/status? -- -Recent Email Excerpts -- - " Thank you for contacting FedLoan Servicing! In order to discuss the XXXX XXXX XXXX XXXX XXXX XXXX XXXX program, contact our XXXX XXXX XXXX XXXX representatives from XXXX at XXXX. Please use the " Contact Us '' link through your online account at XXXX to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department XXXX which is open Monday through Friday, XXXX XXXX XXXX XXXX XXXX ( ET ). Sincerely, XXXX FedLoan Servicing Visit XXXX for state and federal consumer advocacy resources Massachusetts residents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX | XXXX | XXXX XXXX Original Message... XXXX XXXX Message : Could you please provide me the XXXX status of my part of an old spousal consolidation loan that should be forgiven under the program* 7 months ago, I got the reply below, but I've not had any follow up messages since. *****Thank you for contacting FedLoan Servicing! ****Your TEPSLF form is complete and is pending final review. Please allow time for this review to be completed due to the amount of extensive research involved with reviewing the qualifying payments and your employment. You will receive written communication once the final review is completed and the final determination for forgiveness has been made. ****Please use the *Contact Us* link through your online account at XXXX to submit inquiries via a secure email form. You may also call us toll*free at XXXX to reach our Customer Service Department, which is open XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX *ET*. ********Sincerely, *** The information transmitted is intended only for the person or entity to whom it is addressed and may contain confidential material. Any use of this information other than by the intended recipient is prohibited. If you receive this message in error, please send a reply e-mail to the sender and delete the material from any and all computers. XXXX XXXX XXXX XXXX
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I requested my student loan payments made during the XXXX payment pause to be refunded on XXXX I was told by the agent that the entire balance I had paid during forbearance would be refunded within 30-90 days from the request date. I requested clarification on that time and they confirmed I should have the entire balance returned to me by XXXX XXXX XXXX My loan was transferred from FedLoan to XXXX during the payment pause. I paid {$4200.00} to FedLoan ( XX/XX/XXXX- XXXX XXXX, 21 monthly payments of {$200.00} each ) and {$1600.00} to XXXX ( XXXX - XX/XX/XXXX, 8 monthly payments of {$200.00} each ). The XXXX balance was restored on XX/XX/XXXX and direct-deposited back into my account. However, the FedLoan balance remains pending after 105 days. When I have called to request updates on the progress of the refund, I keep being told later and later dates that the refund will be processed by. Rather than the end of XXXX, they are now estimating I will not receive my refund until XXXX or XXXX next year! This is an absurdly long time to process a refund, and it feels like they are just keeping my money from me without proper communication or any accountability. I could be collecting interest on that amount in a savings account or paying off other private loans, and instead they are just pushing back the goalpost on their obligations and causing me undue financial pressure and XXXX. This is unacceptable.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have federal student loans owned by the US Dept of Education and managed by FedLoan Servicing. On XX/XX/XXXX, Congress passed the CARES act providing for a temporary forbearance on federally-owned student loans ( the " pandemic pause '' ). As of today, no payments are owed until XX/XX/XXXX -- the date payments resume. Although no payments had been owing and due under the CARES Act, I had made some payments on my student loans during the pandemic pause. The CARES Act allowed borrowers to request refunds of any student loan payments during the pandemic pause Pursuant to the CARES act, I requested such refund. Particularly, since President Joe Biden had issued an Executive Order forgiving up to {$10000.00} of federally-owned student loan debt. In or around XX/XX/XXXX, FedLoan marked me as having been late on 63 payments. However, no payments had been due given the CARES act. My credit score dropped over XXXX points due to falsely reporting of delinquency. Upon discovery, in XX/XX/XXXX, I immediately contacted FedLoan and disputed the false reporting of delinquency given the CARES act. FedLoan responded that they are marking all such accounts as delinquent as they " wait to see if this thing survives the courts ''. FedLoan misunderstands the difference between the CARES Act ( which postponed payments due to the pandemic ) and Joe Biden 's student loan forgiveness program ( which purports to forgive student loan debt ). Even if Joe Biden 's student loan forgiveness were to somehow be struck by the Courts, the CARES Act is an act of Congress that postponed student loan payments. As such, I could not be delinquent on 63 payments that had not been owing and due until XX/XX/XXXX. In addition, FedLoan 's conduct is contrary to other federal student loan services. My wife 's federal student loans are managed by XXXX XXXX, and XXXX XXXX did not mark her accounts as delinquent ( presumably because XXXX XXXX understood and complied with the CARES act ). I contacted FedLoan and requested that the false reporting of delinquency be immediately corrected. FedLoan refused. FedLoan stated, to the effect, they did not care as they had been ending their contract with the Department of Education as of XX/XX/XXXX. Setting aside that no payments were owed, I received no documents from FedLoan addressing the alleged delinquency. If I had actually missed payments, I would have expected to recieve a letter regarding the missed payments. I suspect FedLoan issued no written correspondence because they know no payments were owing and due, consistent with the CARES Act over the past two years.
Company Response:
State: NY
Zip: 14225
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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: My student loans were through fedloan and they switched all of my loans to XXXX. I was given the balance by XXXX which matched my records and everything was fine. Then Im XXXX I get an alert that I have a XXXX loan all of a sudden from fedloan. I called XXXX they confirm they have all of my loans and there is nothing with fedloan. I call fedloan at that time I could speak with someone they confirmed I have no loans with them and I would need to call XXXX XXXX. I called them XX/XX/XXXX I believe and filed a dispute. I never heard back from them so I called them XX/XX/10 and they said I never filed a dispute. I was placed on hold and then was told they contacted fedloan and I do have XXXX loan with them. I went on fedloan dna webpage and it says I have no open loans. I called them but since I have no open loans I cant speak to anyone. I called back to XXXX and they suggested I reach out to you. My student loan balance is XXXX per XXXX and per the National student loan data base. XXXX doesnt show the XXXX student loan either. This all of a sudden popping up out of nowhere has affected me applying for a home equity loan and has dropped my credit score. I am at a loss of what I can do to fix this because that is student loan debt that is not mine.
Company Response:
State: MO
Zip: 63125
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS OR PERMISSION. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Company Response:
State: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I checked my credit report today and I noticed that it says my student loan balance is {$220000.00} and that is incorrect. My balance according XXXX is actually {$190000.00}. I am being overcharged on my credit report which is affecting me negatively.
Company Response:
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, Account # XXXX Account # XXXX 15 USC Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Fedloan Servicing is still reporting student loan account with a balance to all three major credit reporting agencies even though the account was transferred to another servicer and they are no longer Servicing any federal student loans. I initiated a dispute stating the account has a XXXX balance and should be reflected as closed and they did not respond properly. They had a remark added to my account that I disagreed with the result of the dispute. They failed to update the account balance to XXXX and to update the account status as closed. The account was transferred to XXXX on XX/XX/2022 and they still have not corrected the reporting.
Company Response:
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was contacted to be informed that my account was now in the hands of someone else to collect in which I didn't give permission for my personal information to be given to anybody for the 3rd time and the amount has doubled. One agency shows it has a balance unknown but it has a balance also the agency that acquired the account has a balance as well. I filed several disputes with each of the credit bureaus and it keeps adding accounts to me that doesn't apply.
Company Response:
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FCRA Violation student loans not mine U S DEPT OF ED/XXXXL U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A