Date Received: 2022-11-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX, I made a payment for {$8900.00}. My student loans were transferred to Fedloans on XXXX, XXXX, I emailed XXXX regarding refund for COVID-19 payment made and was provided with reference # XXXX. On XX/XX/XXXX, I requested a full refund for payment made during COVID payment pause to Fedloans. On XX/XX/XXXX, I spoke with a Fedloans PSLF specialist and provided them with the reference # XXXX case number ; I was informed the refund request was processed and to expect a full refund first week of XX/XX/XXXX,. On XX/XX/XXXX I also received a letter that my loans were forgiven through the PSLF program. XX/XX/XXXX, I contacted FEDLOANS again, and was informed the refund request showed it was processed on XX/XX/XXXX but was later cancelled. No reference number or date of when this request was cancelled. When asked who cancelled the request, I was told, " The system does not provide this information, but you should have received a letter to your Fedloans message emails. '' I explained I had not received any communication of the refund being cancelled and asked they look it up on their end. The customer support representative checked the account and was surprised to see no letter/communication of the refund being cancelled was sent. My loans were forgiven and refund was not processed and the customer service representative stated I needed to call my loan services. I explained to them there is no loan to be serviced and asked which servicer I needed to contact. Needless to say, I was not provided with clear, concise information and I am still owed a refund for the amount of {$8900.00}.
Company Response:
State: CA
Zip: 90815
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My name is XXXX XXXX, I am a XXXX XXXX of XXXX at a non-profit small XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I still have almost {$40000.00} in student loan debt. Under the government 's expanded public loan service forgiveness plan, my previously unacceptable XXXX payments became acceptable for the program. I have applied numerous times and had my employment verified. My 1st application was now more than one year ago. I have been on the phone with PLSF service providers multiple times for hours of wait time only to have someone tell me I need to keep waiting. They say everything is approved and I must wait. It has now been over a year. my loan is again coming due in XXXX and I can not budget for it. I am single and am struggling to pay my rent as everything has gotten so expensive. I have filed a XXXX with their ombudsman department. No one has ever answered me. This debt remains on my income to debt ratio and is impeding me From buying a home until I get this debt off my credit. I would like for my debt cancelation to be completed and I want to receive a refund for the 50 payments that I have overpaid. Thank you endlessly if you can help.
Company Response:
State: PA
Zip: 19426
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2022, I spoke with an account specialist by the name of " XXXX ''. I spoke with this individual on the phone a few days prior. Each time I spoke with this individual, the conversation became more and more cringeworthy. XXXX continued to brag about his success at AES while mentioning he worked there for 11 years numerous times. He also went as far as to argue with me about controversial topics related to the message that AES/PHEAA chooses to leave up on the aessuccess site despite a Federal Judge blocking this from being legal at the present time. XXXX presumed that the message being left up there is beyond his paygrade AND MINE, which I find extremely inappropriate. He then proceeded to claim that in the " 11 years that I've worked here '', maybe only 2 times has misreporting been done where a borrower made a payment at the very last minute causing the misreporting to happen, where he then claimed it was fixed immediately. This is in contradiction to what the previous response in a CFPB complaint was where the responder said they would accurately report to the Credit Bureaus. The fact remains that if XXXX claims this has happened in the past where it would get reported inaccurately, then in no way should people be definitively saying it's reported accurately. Additionally, the responders are also pushing borrowers to make payments " soon '' in what appears to be because it takes them up to 2 business days to process a payment. AES/PHEAA posting the effective date is fine, but they do this once everything is all said and done which may overlap the date when the report is made to the credit bureaus. It seems as though each of their departments have bad communication if they can not even look at borrower accounts to determine if a payment is pending. If they could see that, they shouldn't be reporting anything as being delinquent because it is only delinquent in those days following the scheduled payment due to their timing. I had the AES/PHEAA Agent XXXX submit a complaint against XXXX because I didn't appreciate the level of arrogance he had when I asked questions. Instead of him trying to level with me in answering, his responses became more and more confusing, and then when I wasn't understanding his responses, his tone became more hostile and it was as if he did not care how I felt at that point. This is the type of customer service that AES/PHEAA should be looking to get rid of once and for all. This is not what borrowers should have to put up with at the end of the day. Borrowers aren't getting paid to deal with this type of absurdity, but these Agents are getting paid to act this way. Frankly, AES/PHEAA should not be just hiring people who want to argue with borrowers. They should be looking into the concerns that are brought forward instead of trying to argue and be unprofessional throughout the process.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Per the CARES Act, I submitted a refund request on XX/XX/XXXX for payments made during COVID payment pause. I was told it would take 2 months to process the request. Summary of payments requested for refund : {$550.00} payment made XX/XX/XXXX ; {$29000.00} payment made XX/XX/XXXX. A partial refund for {$550.00} was received XX/XX/XXXX. Meanwhile the student loan balance on my account reflects the combined total of {$29000.00}. I have not received the {$29000.00} refund. Today is XX/XX/XXXX. The two month timeline given was XX/XX/XXXX. Multiple attempts made seeking resolution to refund request.
Company Response:
State: AL
Zip: 35613
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I requested a refund for payments made during the pandemic in XX/XX/2022 from my servicer ( Fedloan ). The company accepted the request via phone and said that it should be completed within 60-120 days. A few weeks before the 120 day mark, I called again to confirm the request had been received and request a status update. The representative said the request was in the system and that XX/XX/XXXX would mark the end of the waiting period and if I didnt hear anything by then, to call back. On XX/XX/XXXX, still without any refund or update, I called again only for the automated system to tell me that my account had been transferred to XXXX. Now, the company has failed to provide the refund as per federal policy, has not provided me with any written confirmation or update on my request, transferred me to another company without notifying me, and has not provided information about how my request is being handled in the midst of the transfer - and Im at a loss of what to do, given that both companies are giving customers different answers about how were supposed to proceed.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I'm looking for final resolution on student loan forgiveness with Fedloans. I was notified by email on XX/XX/XXXX that my loan had been forgiven with a final discharge date of XX/XX/XXXX and an effective date of XX/XX/XXXX. I was told I'd receive a Paid-in-Full confirmation letter once all adjustments were complete no later than late XXXX ). This has NOT occurred and now I'm now being notified that the loan will be transferred to a new loan servicer ( XXXX ) which is something I was assured by Fedloans would not happen. I was also told no further information was required on my part. I was certified for XXXX payments under XXXX and deemed eligible for forgiveness back in XXXX of XXXX and am still waiting. I was also told no further information was required on my part. Please help!! XXXX XXXX
Company Response:
State: WA
Zip: 98277
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
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: Guys I highly believe that with all of my efforts of disputing since last year, that Im being willfully violated regarding my credit. I disputed my credit report for all accounts in XX/XX/XXXX after having to apply for a mortgage for my family to have a place to stay. I was being turned around because all of the accounts that are being charged in my name. I requested an investigation and original proof to be sent to me. I got absolutely nothing back. Not only that I decided to send a re-investigation letter through certified mail on XXXX XXXX to all 3 bureaus and requested specifically that every date, balance, verification of debt, payment history and all be checked thoroughly again. However, there has been no correction only more reporting that arent the same across all 3 bureaus. Im now out of a home with my XXXX children and my wife and have no other option at the moment to get my own place of living. Im have over 13 accounts from the same Creditor : Account Name : FED LOAN SERV Account # XXXX being reported on my credit report. They all show the exact same account number, but completely different Date Open, High Credit, Payment History, Date Last Active, and more. Then theres 3 more accounts with the same account number under FED LOAN name, with lots of blank data from all 3 bureaus. XX/XX/XXXX is the oldest account under the names which is already 13 years of age and the oldest account being reported is XX/XX/XXXX which is 7 years of age. Again, its been few attempts to hear back from them. Section 607 ( b ) by FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I saw on the CFPB bulletin for XXXX XXXX, that theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were 5 things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. Ive been mistaken for other XXXX XXXX continuously, but this time it actually cost me housing and denial from banks and damaged credit. Im requesting monetary relief per violation ( and the willful violation ) and for the damages that were caused and money spent trying to fix the same issue multiple times. 15 USC code 1681n ( a ) ( 1 ) ( A ) Also, consumer reporting agencies must Correct or Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. I will attach both proofs of credit reports I pulled from XXXX XXXX ( in color ) and XXXX XXXX ( black and white ink only ) to compare if they thoroughly investigated and corrected anything. I will also list the tracking numbers below for the disputes.
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/09 I did a credit report to view what was under my profile. After reviewing my profile I noticed this student loan attached to an institution that did not match my debt. After doing some extra research on this I decided to reach out to AES to get this rectified with the source. After a few lagging issues from AES, AES sent a copy of the document of the loan and the copy looks very fraudulent, cut and pasted with missing information like my Social Security Number and birthday. I went the extra mile and reached out to the institution ( XXXX XXXX ) to get clarity on if I had a balance with them. The XXXX Office sent me over a {$0.00} balance through e-mail confirmation and I then sent this to AES for documentation purposes. AES then complied and requested to start a fraud packet with them. I filled out the fraud packet they suggested to the best of my ability but then they refused to process this request. The reasons they decided to not process this because my police report was not acceptable to their standards ( which I don't know how that is not acceptable or make a police report what AES want ), the request to have a blank check with my signature or picture of my photo identification wasn't fulfilled because I want to protect my identity purposes, even though their request to get a document notarized with my signature and identification was needed to do that process. At this point I feel like this company is not only upsetting but refuse to do the needed work to get this removed from my credit profile. I would appreciate your assistance on direction on how to correct this manner. Thanks
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Previous CFPB complaint 's addressed response is incomplete and inaccurate. PHEAA is demanded to remove delinquency statuses beginning on the date the payment is scheduled. On XX/XX/2022, a payment will be made over the phone with a valid XXXX XXXX. I will be contacting a representative from my financial institution and the CFPB to witness that a payment will be processed on this date. Once PHEAA reports that the account becomes 60 days past due despite the payment being accounted for ON XX/XX/2022, PHEAA will be engaging in fraud and misreporting to the Credit Bureaus. Furthermore, if this occurs, I will be alerting the CFPB, the FTC, all Major Credit Bureaus, the XXXX XXXX XXXX XXXX office, and a few attorneys with screenshots of the bank account proving the payment was processed on XX/XX/2022, yet PHEAA would maintain reporting the account as delinquent past 60 days despite their inability to reflect the status appropriately.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXX XXXX Debt Relief Announcement The XXXX XXXX announced on XX/XX/XXXX, that up to {$20000.00} is being provided in federal student loan debt-cancellation for loans held by the U.S. Department of Education ( ED ) . We will continue to update our website with information as we receive it and provide answers to commonly asked questions. For additional information, visit One-Time Student Loan Debt Relief and U.S. Department of Education Subscriptions to sign up for Federal Student Loan Borrower Updates . XXXX AES/PHEAA continues to solicit this false message despite the integrity of this " plan '' being skewed remarkably by the XXXX XXXX. PHEAA should not be engaging in misleading borrowers into thinking this is a go when a Federal Judge just blocked it from being legal. Even if this does become legal, it is not legal right now. PHEAA should not be giving borrowers a promising statement when the reality is nobody knows what is going to happen. More than likely, it will be tossed. The Economy is already destroyed due to the XXXX XXXX 's inexplicable failure. Impeachment trials have a strong likelihood of succeeding beginning in XX/XX/XXXX. XXXX rejected the XXXX administration 's arguments that, in a law known as the XXXX XXXX, Congress had already given the president the power to erase student loan debts in a time of national emergency and that the XXXX pandemic is just such an emergency. Per XXXX XXXX XXXX : " In this country, we are not ruled by an all-powerful executive with a pen and a phone, '' XXXX wrote XXXX " Instead, we are ruled by a Constitution that provides for three distinct and independent branches of government. ''
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A