Date Received: 2022-10-29
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/22 I put a request for a refund for my payments made during the XXXX pandemic with FedLoan. FedLoan stated it would take up to 60 days for me to receive my refund. On or about XX/XX/22 I called FedLoan for an update on my refund and I was assured it would still be received in the 60 days timeframe. As of XX/XX/22 I have not received any refund yet and the 60 days has elapsed. I have not been contacted by FedLoan to explain any delays or problems. I checked my profile online and confirmed my address and other information was current. I am concerned that I will not receive my refund ever or in a timely manner. Over 60 days has been too long to obtain a refund.
Company Response:
State: CA
Zip: 95242
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
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 was assured by XXXX that when I successfully completed my rehab program that all old information including default statuses and annotations would be removed from my accounts. I have disputed with the Fed Loan Services and they keep referring me back to XXXX to fix the errors despite them being listed on my reports as Fed Loan Servicing. They have removed all but 3 from XXXX despite disputes. All saying 120 days late. They have removed none from XXXX despite disputes. All saying 120 days late. They have removed all from XXXX and there is no issue here. These are now duplicated listings for the same accounts on XXXX and XXXX- the new loans from XXXX XXXX all reporting positive with the same balances as the old Fed Loan Servicing Accounts reporting negatively.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hello, I've sent in my PSLF forgiveness application to FedLoan Services BEFORE THE XXXX DEADLINE FOR PROCESSING. I have called countless times and spent hours and hours on hold for update and information. I have even missed days of work trying to get this resolved. After spending hours on hold one day months ago, I had a representative by the name of XXXX who spend hours on the phone with me and reviewed EVERY LAST ONE OF MY APPLICATIONS and stated " THAT ALL FIVE OF MY NEW APPLICATIONS SENT WERE CORRECTLY FILLED OUT. '' She stated " she saw the initial fax cut some things out but also see where I resent the information in correctly BEFORE THE INITIAL DEADLINE BEFORE TRANSFER TO XXXX. '' She also stated " THAT SHE HAD EMAILED MY INFORMATION WITH CODE NUMBERS TO HAVE A SUPERVISOR MANUALLY REVIEW AND PROCESS MY APPLICATIONS FOR REVIEW AS IT DID NOT DESERVE A TRANSFER TO XXXX. '' She states " that the requirement for a manual review is 6 weeks and I should hear something via mail when my applications were processed. She also informed me that " the computers were misreading PSLF applications and many correct forms were being ignored and misread. '' Tearfully, I thanked her dearly! XXXX informed me that I would hear of my loan dismissal in the mail after about 6 weeks as that was the current review time for manual review request. IT'S BEEN MONTHS AND I HAVE NOT. I AM ALSO GIVEN UNDESCRIBABLE RUNAROUND IN TAKING CARE OF THIS MATTER. I have called and called to no avail for an update and finally got someone who states my paperwork was received but transferred to XXXX. I called XXXX and XXXX states that my loans have not been transferred and are actually showing still on hold through FedLoan Servicing. I called FedLoan Services and told them XXXX said my loans are not transferred and are still currently being held by FedLoan. FedLoan Servicing then states " they see my applications for PSLF and I should here something. '' I HAVE BEEN DOING THIS FOR MONTHS. I MEET ALL REQUIREMENTS FOR LOAN FORGIVENESS AND CONTINUE TO GET THE RUN AROUND. PLEASE HELP ME! THANKS SO MUCH, XXXX
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This is my third time complaining about FEDLOAN servicing. I know your company is closing down, but shouldn't you work until the last day to take care of our loans. I complained about issue with getting my refund request on XX/XX/XXXX. Received the response from your company " Advocacy Office '' after your thorough review. You stated that the request is on hold by the Department of Education and my closed loan with {$0.00} balance will be transferred to a new servicer. How come your agents ( customer service ) have no clue about the plan and always gave me inconsistent and inaccurate information when I called to check the status. One agent ( XXXX XXXX told me there is no refund request - and submitted a new request on XX/XX/XXXX. One agent told me on Monday XX/XX/XXXX that my loan won't be transferred because it is closed. I also emailed your Office of Consumer Advocacy on XX/XX/XXXX -- BUT no response. I also requested the account balance history which includes all transaction - including the last paid off transaction -- - BUT has not yet received it. ( The one that I received online on XX/XX/XXXX - did not include the last payment on XX/XX/XXXX. If my loan will be transferred to a different FSA - WHEN would it be and WHO would it be?
Company Response:
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My FedLoan transferred their servicing of my student loans to XXXX in XXXX of XXXX. However, they did not transfer any of my payment history. I spoke with customer service help at FedLoan this week and they said the history transfer would be forthcoming. Today I received a copy of my alleged payment history from FedLoan. However, I graduated in XXXX and there is no payment history before XXXX. My loans were consolidated in XXXX and I have never defaulted on a payment. It feels like they are lying about me and trashing my credit and work history in order to keep me from getting my loans forgiven in the future.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My son passed away unexpectedly last XXXX. Upon contacting AES regarding his outstanding student loans, I was told to submit an original copy of his death certificate in order to determine whether or not they were forgivable as shown on the AES web site. The death certificate was not finalized until XXXX. I immediately expressed an original copy to AES for which they did not acknowledge receipt. Beginning immediately after my son 's passing and extending until the issue was settled, I received calls at my workplace from AES employees with no details. They would state the account was past due and ask for payment. I would explain my son had passed away and we were waiting for the death certificate. The callers would always promise to " ... make a note in the file. '' but the next week another employee would call with the same script. I also received form letters and e-mails with no specifics. XXXX telephone conversation resulted in copies of the loan documents being mailed to me. I did my own research and concluded the loans were privately funded and therefore not eligible for forgiveness. I paid the loans in full including added interest. Despite AES forcing me to recount my son 's passing weekly for several months, failing to acknowledge receipt of his death certificate, offering no help determining the loan status and being paid in full including added interest for the months they wasted, they chose to report me unfavorably to the credit bureaus. A request to AES to rectify the situation was met with the brainless response that their records do indeed show me paying late. AES may be on the cutting edge of automated loan administration, but their system is painfully stupid.
Company Response:
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The issue is that, before the transfer of my federal student loans to XXXX, my then-student loan servicer Fed Loan Servicing gave me an incorrect determination for my XXXX request. The timeline of events is as follows. On XX/XX/XXXX, I uploaded to FedLoan Servicing a XXXX Application. The Application came with a letter signed by me explaining that I sought XXXX for three specific loans which I had had since XXXX or before. Furthermore, I explained that I was XXXX XXXX in the XXXX from XXXX until XXXX. So, from my time in the XXXX that's approximately 8 years that should count towards the 10 years required for XXXX for the loans I specified. In addition, since XXXX I have been working at a federal agency, so that should count as an additional year toward the 10 year requirement. My letter also explained that because I am a veteran and my ex-employer the Department XXXX XXXX XXXX XXXX is difficult to work with, I could not find who at XXXX should sign Section 4 of the Application ( Employer Certification ) that certifies that I worked at that employer for an amount of time. Instead, I provided my official letter from the Department XXXX XXXX XXXX that said that I was XXXX XXXX and that I entered service XX/XX/XXXX and was XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received notice that my XXXX Application was received by XXXX. While I waited for it to be processed, I went ahead and paid off one of the three specified loans in my Application, because it was such a low balance. On XX/XX/XXXX, I received notice that my PSLF Application Determination was made. The Determination said that there was missing information, the Employer Certification. So, XXXX XXXX did not accept the official letter from the Department XXXX XXXX XXXX. On XX/XX/XXXX, I received notice that my loans were transferred to XXXX. So, now it's XXXX 's problem. This series of events is problematic, because I have since found out that consumerfinance.gov has resources for veterans applying for XXXX that explicitly says that alternatives to Employer Certification exists. So, XXXX was able to process my XXXX Application and grant me the approx. 9 years of service towards the XXXX for the specified loans. FedLoans Servicing malfeasance has several negative waterfall effects. For one, I have to repeat the XXXX Application with XXXX. Second, XXXX is currently overwhelmed and difficult to communicate with as a result. Three, and this is a major concern, because of the {$20000.00} Debt Relief granted for which I qualify, there is a great risk that the Debt Relief will be applied toward the specified loans in my XXXX Application for which I do not want Debt Relief since I am so close to satisfying XXXX requirements. I'd rather have the Debt Relief applied to my more recent federal student loan debt which I incurred in XXXX - XXXX.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am disputing several credit errors on my report. I have made SEVERAL attempts to get this resolved through Fed Loan, ombudsman, FSA complaint, and I also contacted the credit companies. # XXXX XXXX XXXX XXXX Accounts need to be closed/PIF : Several Fed Loans are still showing up as active on my credit report through Fed Loan Servicer, thus my credit report incorrectly reflects DOUBLE the amount of student debt which has now impacted my credit. I took out a private loan through XXXX in XX/XX/XXXX. These Fed Loan accounts were paid in full in XX/XX/XXXX by XXXX private secured loan, but all 3 major credit reports are still showing up with a balance on Fed Loans of XXXX {$400000.00} ( see attached credit reports below ) Explanation : I formerly had a accounts/loans with Fed XXXX XXXX. ( See the attached documents as highlighted in the report for the accounts ). XX/XX/XXXX : I took out a personal loan to pay off the student debt through XXXX XXXX XXXX paid off these loans. ( See attached documentation/exhibit. ) This was finalized on XX/XX/XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I received a welcome letter from XXXX for the personal student loan. ( See attached document/exhibit. ) XX/XX/XXXX : On the same exact day, this loan was transferred to XXXX ( A Department of Education Servicer ) on part of the Fed Loan Servicer. ( See attached document/exhibit. ) XX/XX/XXXX : I received a Paid in Full status letter from XXXXFederal Student Aid that this was paid in full by my private loan through XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I made my first payment on the privately secured loan to XXXX. Who I Contacted -- timeline : Fed Loans : I spoke with Fed Loan Servicer on the phone on XX/XX/XXXX. They indicated that I had to fill out a form to have the information corrected I filled out and uploaded documents several times ( XXXX, XXXX, XXXX ) ; was sent the same form repeatedly to fill out, which I did, without any resolution I also sent them the form with all of the pertinent documentation via regular mail on XX/XX/XXXX FSA : XX/XX/XXXX : Filed complaint with FSA ; case number XXXX ; was received an email stating that I would receive a response within 15 days ; received no response XX/XX/XXXX : I contacted Ombudsman at FSA. The representative stated there is an open case. She is requesting an email be sent to me by the caseworker. Credit Bureaus : XX/XX/XXXX : I completed an online dispute form. They came back with results stating that I still had an open account, with open balance, see attached. XX/XX/XXXX : Sent regular mail disputes to all 3 credit bureaus via tracked XXXX mail XX/XX/XXXX : I contacted XXXX and they stated that the credit error needed to be fixed by Fed Loan Servicer, but they could see the open balance on my report
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: In XXXX my XXXX and I made the decision to consolidate our federal student loans in hopes of simplifying our payback arrangements. This resulted in a private loan with XXXX, serviced by AES which originated on XX/XX/XXXX with a balance {$42000.00} with a variable rate at the time based upon the XXXX. Since origination, almost exactly XXXX ago, the following are the loan facts to date : ( XX/XX/XXXX ) : Current Interest Rate : XXXX XXXX ( Standard Variable ) Payments made to date ( according to the banks payment history ) : XXXX Average Monthly Payment {$300.00} Late Payments Since Origination : XXXX Late Fees Paid Since Origination : {$75.00} Principal Paid to Date : {$9700.00} Interest Paid to Date : {$40000.00} Total Paid to Date : {$50000.00} Expected Payoff Date : XXXX/XXXX/XXXX My complaint should be self evident based upon the numbers above. While the ( to date ) loan details state that our term is " XXXX XXXX '' we have satisfied XXXX payments to date and have only paid less than {$10000.00} to the principal. The loan details also state the " Expected Payoff Date '' to be XXXX/XXXX/XXXX? Why when I have made XXXX payments to date - this should show remaining payments of XXXX - Not a brand new repayment term of XXXX XXXX What I have noticed is that every time the rate changes- the Loan starts over. This is fraudulent in my eyes. I have made XXXX payments out of a Total XXXX payments. Also- One should note that my XXXX and I filed for XXXX XXXX Bankruptcy in XXXX, XXXX in XXXX of XXXX. The bankruptcy was a result in part to past medical debt and my wife losing her business due to unforeseen circumstances. Due to the bankruptcy pending on our credit report, we are not able to refinance the student loan. However- with making XXXX payments out of XXXX payments - I don't believe I need to be trying to get a student loan to pay off the balance - as we have paid more than what was originally owed to AES- As shown above, in the past XXXX XXXX we have been late paying this student loan ONCE. It should also be noted that the terms of this loan states that payments will be made to the interest first until the interest is paid off then to the principal. We have been making payments higher than the minimum due - at least by $ XXXX so that we can get the interest paid off. We have paid off the interest and find that the next month the interest goes up and we are in a {$200.00} deficit in interest. This loan is set up for the bank to win and for us to fail - never in the life time of my life will I have this loan paid off by the likes of the suspicious and fraudulent like activity of the loan- in all retrospect - AES/XXXX XXXX have set us up for a lifetime of debt - a debt that will pass on to our children- as we can not get ahead of it due to the raising of the interest and the renewing of our loan every month. One more fact - This student Loan is more than I make in salary on a yearly basis- I have been paying on this loan for XXXX XXXX - And still owe more than I make a year. I have attached the loan transactions to date document that was downloaded from the AES website. I have also attached the details of the loan as printed from their website in XX/XX/XXXX and most recent XX/XX/XXXX.
Company Response:
State: NE
Zip: 693XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success. Please help me resolve this matter. I want to exercise my Privacy Rights as well I did not consent to this 3rd party company housing my information. According to Family Educational Rights and Privacy Act ( FERPA ) I have the right to my privacy.
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A