Date Received: 2022-08-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have received the investigation results regarding alleged student loan accounts in my name, claim number XXXX. However these accounts are false and not mine. I have received the promissory note that you have claimed is mine. However, my name is not signed in wet ink as it is stated by law so this promissory note that you claimed that I signed is not valid. It is a digital promissory note in which my name is not signed in wet ink. In U.S. contract law it states promissory notes and notarized documents, mortgages, deeds of trust, and other collateral documents must be signed in wet ink in order to be valid. Please send me this promissory note that is signed with my signature in wet ink. Also, there were several steps that you skipped in my attached document that MUST be sent to me in order to verify this alleged account is mine and you did not do so. Until ALL STEPS are complete and verified and If I dont have verification in my hands within 30 days to satisfy this request within the requirements of the Fair Debt Collection Practices Act, I will construe your failure to comply as your absolute waiver of any and all claims against me, as well as any claims that FED LOAN SERVICING has against me. Please see attached document for all documents that must be sent to me to verify this account. If you do not have original copies of these alleged accounts and/or documents you say are mine. This is grounds for removal and deletion of these alleged accounts claims against me. I have sent several certified letters in which you have still not complied fully. Please see attached document and complete fully step by step. Attached is what the certified letter said if in case you are not able to open it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX | XXXX : XX/XX/1990 FED LOAN SERVICING XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Request for student loan information To : FED LOAN SERVICING My name is XXXX XXXX. My date of birth is XX/XX/1990. The last four of My social security number is XXXX. You are listed as a student loan servicer or lender on credit reports about me. You have reported various account information data related to the alleged loans concerning me. Note, I do not agree with the various account information that you are reporting about me. Assist me in the verification of the alleged student loans you are collecting and your legal status. Please send me a copy of all promissory notes of all student loans that you service related to me. Please send me a copy of the promissory note for any and all student loans that you originated. Please send me a copy of any assignments of the promissory notes for the related student loans. Please advise me whether you are the loan originator, servicer, and/or debt collector for the loans. Until this review is completed, point by point, please inform any and all credit agencies if applicable to which Debt Collector reports, including, but not limited to XXXX, XXXX, and XXXX, that this alleged account is in dispute. Please note that any communication between FED LOAN SERVICING or any associates representing an interest in this alleged account on behalf of FED LOAN SERVICING and me, may be documented and/or otherwise recorded for quality control and legal purposes. I look forward to FED LOAN SERVICING prompt response in completing these simple requests and settling this matter. If I dont have verification in my hands within 30 days to satisfy this request within the requirements of the Fair Debt Collection Practices Act, I will construe your failure to comply as your absolute waiver of any and all claims against me, as well as any claims that FED LOAN SERVICING has against me. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been a federal employee of the Internal Revenue Service from XX/XX/XXXX to the present ( 21 years ). I signed up for the public service loan forgiveness program in XXXX, filed my employee certifications annually, made 120 payments, submitted the PSLF loan forgiveness form in XXXX, and was denied PSLF. Subsequently, the servicer incorrectly required me to consolidate my loans in XXXX and failed to inform me that all of my PSLF pre-consolidation payments would be eliminated. The 120-payment count was restarted to XXXX, requiring me to pay another 120 payments. I applied for the PSLF Limited Waiver ( XXXX ) in XX/XX/XXXX and was told it would take months to review my account to get the XXXX. Seven months later, Fed loan finally reviewed my account and sent me PSLF qualifying updates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without updating my pre-consolidation payments before XXXX. I submitted another PSLF form in XX/XX/XXXX requesting my account to be reviewed for the XXXX giving credit for my pre-consolidation payments, and requesting a refund. In XX/XX/XXXX, I received another PSLF qualifying update, and once again, Fedloan failed to review and credit my account back to XXXX. I was not given credit back to XXXX, which is what should happen under the PSLF limited waiver. My loans are consolidated as required by the XXXX. All of my employee certifications from the IRS show my hire date as XX/XX/XXXX and show that I have been a continuous federal employee. My account should be the easiest type of account to review and have the proper credit issued back to XXXX. I am filing a complaint because my PSLF count is wrong. I should be given credit back to XXXX and a refund issued for overpayments with interest. I have contacted Fedloan servicing and filed a complaint with the DOE ombudsman but have received no response. The White House is forgiving all of these student loans but not living up to the promise of the limited waiver for people who have been lifetime federal employees. I have had 1 public service job for 21 years. Fed loan has reviewed my account not once but several times and still has not correctly counted my payments back to XXXX and issued me a refund for the overpayment with interest.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I emailed Fedloan twice requesting a refund of a payment made during the pause period, and I still have gotten no response. I reached out on XX/XX/XXXX and again on XX/XX/XXXX but still haven't heard back from anyone. I made a payment of {$50.00} on XX/XX/XXXX and I'd like to have it refunded. The timing is somewhat urgent since my loans are getting transferred and I'd really prefer to do this before my account leaves Fedloan- it's unclear if I will be able to get a refund from my new servicer. I really dislike how Fedloan customer service seems to be nonexistent at this point.
Company Response:
State: NY
Zip: 11231
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have been a public XXXX XXXX since XXXX of XXXX. I am still XXXX currently as of XX/XX/XXXX. I feel as though I QUALIFY for my federal student loans to be forgiven at this point. 1. The first few years of XXXX my servicer put me in a EXTENDED period of forbearance without offering me IBR, IDR or PSLF as an options. In XXXX of XXXX, Biden announced that those borrowers who were WRONGLY put into extended periods of forbearance, WILL HAVE those years count towards the 10 years required for PSLF. With those years added into my payment count, I should now qualify for forgiveness, or be extremely close to the 120 months required. 2. I have applied with FEDLOAN ( my current servicer ) over 4 times for the PSLF program and keep getting denied. My payment counts ARE INACCURATE and those years of extended forbearance have not been counted towards the 120 required payments. I was never offered IDR or IBR or PSLF the first few years of XXXX. I was WRONGLY taken advantage of by my loan servicer. I should be able to qualify for forgiveness at this point and FEDLOAN is not including those years of forbearance in my payment total. My account is inaccurate and I should be qualifying for PSLF at this point.
Company Response:
State: NY
Zip: 14051
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In sum, my account has been in forbearance since XX/XX/XXXX and no period since then should be excluded under TEPSLF and the CARES Act. I applied for forbearance in XXXX of XXXX. Under TEPSLF, I understand that more than 12 months of forbearance would have allowed my period of forbearance to be counted as eligible payments. However, because of the COVID-19 moratorium on payments, FedLoan is not counting the 10 months ( XX/XX/XXXX through XX/XX/XXXX ) I was in forbearance as eligible payments even though they should be since the COVID-19 moratorium was imposed unilaterally in XX/XX/XXXX.
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been trying to apply for loan forgiveness programs since XX/XX/XXXX that I uploaded my first application. Uploaded second application in XX/XX/XXXX. On XX/XX/XXXX, I received a denial. I immediately uploaded the missing signature on XX/XX/XXXX and my paperwork was not reviewed but denied on XX/XX/XXXX. The October deadline is soon approaching. FedLoan has sold my loans to XXXX. I received documentation that XXXX should be servicing my loans by XX/XX/XXXX. They will not be servicing my loans until XX/XX/XXXX. I have tried calling FEDLOAN to see and get direction on what I am doing wrong, request a call back, they call me back and then transfer me to leave me on hold again sitting in que. It is IMPOSSIBLE to get someone to help me. I have been a XXXX for XXXX years, and have gone back to school several times during my career. How is it possible that I am going to be the only tenure XXXX that does not get assistance with loan forgiveness.
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I consolidated my federal student loans in XXXX. At that time, I was offered a .25 % loan rate reduction for making payments by automatic withdrawal from checking or savings. That term of my loan agreement was never honored by XXXX. As a result, I have been overcharged thousands of dollars of interest over the last XXXX years. I will also continue to pay thousands more in interest than I was promised during the remainder of my loan term. My current XXXX is 3.0 % and should be XXXX. My loans have been bought and sold multiple times and I have never been able to get any of the loan holders/servicers to listen to me about this issue. My current loan holder/servicer is AES-American Education Services XXXX
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: We didn't aes inform me consolidate my loan through a direct loans so I would be eligible for payment pause and loan forgiveness. The company willfully withheld information.
Company Response:
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I applied for the Student Loan Forgiveness program. I tried to upload information that would be lost or denied. I have several part time non profit jobs and that was a problem to the servicer.
Company Response:
State: WY
Zip: 830XX
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Report phishing Recently, my email account and personal information were stolen. I am reporting it now, but the amount of damage is too large.
Company Response:
State: CA
Zip: 90057
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A