Date Received: 2022-08-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX, I had payments on the first XXXX loan sequenced start and was not contacted by phone, email, or mail to confirm that they started. For 10 months, they were reported as delinquent but I started paying the {$190.00} XX/XX/XXXX. As you know, the CARES Act put all Federal Student loans in Forbearance. Fed Loan Servicing had put all my current and DELINQUENT loans into the forbearance. I have made pyments of {$190.00} throughout the forbearance period because the service provider told me and my legal representative that all my payments will go to principle on a recorded line. My interest has been capitalized even though the cares act pushes back capitalization of student loans to XXXX. My principal balances are way higher than they would be if I did not pay the {$190.00} towards the account. Because of this incident I was unable to get mortgage approvals and take advantage of the low interest rates that XXXX brought. I was seriously impacted by this situation and have been trying for over a year to figure out what is going on. The interest I was legally able to write off on my tax return was only {$800.00} so where did the rest of my payments go? Fed Loan Servicing does NOT service my loans anymore. As soon as the payments were scheduled to start, XXXX XXXX took over and started calling me to confirm balances? They said they have no information but I have made a payment to FedLoan Ssrvicing that went to nothing. They illegally pulled {$190.00} out of my account and credited no balance. I put my XX/XX/XXXX payment to XXXX but the prior payment to FedLoan Servicing went to nothing just like the past +22 payments made to them. I have been going around and around in circles with this. Every time I call FedLoan Servicing, they lie, give wrong balances, tell me my original loan was {$25000.00} when that was never the balance with thw interest.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Fed Loan Servicing and all three credit bureaus : XXXX, XXXX and XXXX are reporting multiple late payments on my credit reports during the months XXXX and XXXX of 2017. All of my fed loans have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late during those months. Despite my contacting Fed Loan Servicing and all three credit bureaus on multiple occasions since XXXX of this year this erroneous reporting remains on my credit reports and is negatively affecting my payment history and credit worthiness.
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am actively participating in the PSLF program. I submitted a PSLF application to FedLoan Servicing on XX/XX/XXXX with acknowledgment of receipt. On XX/XX/XXXX I received an updated count of my qualifying payments which showed a sufficient number for forgiveness under the PSLF program ( 126 of required 120 payments ). On XX/XX/XXXX I received notice that I was denied loan forgiveness under this program with the following reason provided : " NOT ELIGIBLE YET : You have not yet made the required 120 qualifying payments necessary to be eligible for PSLF. To qualify for PSLF, you must make 120 qualifying payments. '' This same letter still quoted my total qualifying payment count as being above 120. On XX/XX/XXXX I spoke to a representative at FedLoan Servicing who told me this is incorrect and just " wait for an updated letter ''. On XX/XX/XXXX I received an updated letter from FedLoan Servicing again denying me forgiveness with the new stated reason being " NOT ELIGIBLE : Your employment dates listed on the application were prior to XX/XX/XXXX. Only dates of employment on or after XX/XX/XXXX at a qualifying public service organization can be considered for PSLF or TEPSLF. '' This is incorrect information as the loans in question were not even disbursed until XXXX.
Company Response:
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I submitted two PSLF employee certification forms for my employer at the time, XXXX XXXX XXXX XXXX. I submitted these on XX/XX/XXXX. The first was for employment from XX/XX/XXXX - XX/XX/XXXX and the second was for employment from XX/XX/XXXX - XX/XX/XXXX. I received multiple communications from fedloan that were either incorrect or unhelpful. First, after 3 months, they said the certifying official from the school district didn't include her telephone number. That wasn't true and I resubmitted it showing the number was on there on XX/XX/XXXX. After that it was just communication saying they were working on it. I explained over and over that this was the same employer I had received PSLF credits for previously and there should be no difference. They couldn't explain why it was different this time. After what has been 8 months, they asked for w2's.I don't have w2 's going back that far and it will take forever to get them from the school district. Again, this is a public school district and the same one I received qualifying payment credit from fedloan previously. I'm attaching the two forms I sent fedloan. This is going to cause me to not be eligible for the expanded PSLF and is very upsetting.
Company Response:
State: NC
Zip: 28804
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
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: Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Fed Loan Servicing has continuously under counted my qualifying PSLF payments. I have 103 payments, but Fed Loan has miscounted my qualifying payments as 68. They have failed to update my payments despite supporting paperwork and evidence submitted by me. I ask that they and the Department of Education please update the payments by the end of XXXX.
Company Response:
State: CT
Zip: 06854
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I called FedLoan on XX/XX/XXXX to request a customized letter I could provide to the XXXX XXXX XXXX XXXX XXXX regarding the XXXX Student Loan Debt Relief Tax Credit, which I received in XXXX. Under Maryland law, I am required to provide proof of payment in the amount of $XXXX, which occurred on XXXX. XXXX and FedLoan staff informed me that I could request a customized letter in response to CFPB complaint XXXX and over the phone, respectively. When I initially spoke to XXXX (employee ID XXXX), he told me I'd receive a customized letter with my name, lenders name, date of payment, and payment amount in 7-10 business days. Instead, I immediately received information from my XXXX 1098 in email format, which was never requested. I immediately called FedLoan Servicing back and XXXX transferred me to XXXX (employee ID XXXX. I informed XXXX that the email I received from FedLoan was not what was requested and that I needed a customized letter instead. I informed her that a XXXX tax year 1098 was not acceptable. i informed her that XXXX requires a document with my name, lenders name, payment amount, and payment date. XXXX informed me that I would receive a customized letter within 7-10 business days. As ofXX/XX/XXXX, I have not received a customized letter for me to provide to XXXX. I called FedLoan Servicing on XX/XX/XXXX at approx. XXXX XXXX and spoke with XXXX (employee ID XXXX). I let XXXX know that I was expecting a customized letter for XXXX with my name, lenders name, payment date, and payment amount. XXXX pulled up my account and saw that a letter was sent on XX/XX/XXXX and I incorrectly informed her this was inaccurate because I received my 1098 information on XX/XX/XXXXand requested a customized letter immediately afterwards. It turns out on XXXX XXXX, I did receive a document entitled "Tax Info Interest Paid This Year", however the title of this letter is inaccurate and misleading as it is interest from XXXX and does not fulfill XXXX requirements. Again, this was not the document I requested. Upon further research, XXXX determined that there was no request for a customized letter in FedLoan Servicing's system, only a request for a 1098. As such, I had to re-request a customized letter from XXXX on XX/XX/XXXX. I informed XXXX that the letter requires my name, lenders name, payment amount, and payment date regarding my payment on XX/XX/XXXX. XXXX informed me due to FedLoan's mistake that the correct customized letter with the information I require for XXXX will be sent to me within 48 hours of the completion of our phone call. I've attached a summary of my calls to FedLoan Servicing as well as the incorrect letters and prior complaint for further reference.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I requested a refund of COVID payments on XX/XX/2022. When can I expect the refunded payments to arrive? Is there anyone that can provide a specific estimate instead of a general 120 day estimate? This is a significant amount of money and I am concerned at how little information is provided about the refund process.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The reason I document this issue is that there have been numerous attempts to correct this issue regarding the Public Service Loan Forgiveness Program and the company continues to cause issues regarding the proper tracking of the qualifying number of payments I have made in PSLF. I have recently been notified that the loan servicer would be changing hands in the coming months, so I have been submitting the proper paperwork to ensure that everything is in order. In one instance, I was told that the wrong person had certified the paperwork at XXXX XXXX of XXXX XXXX and they were rejecting the paperwork from XXXX XXXX. The County of XXXX XXXX is a large agency in the XXXX XXXX where thousands of people work. I can not control who signs the paperwork that is given to the main XXXX XXXX Department to send out for signature by who they deem is the proper person. I was also notified that I needed to submit new paperwork if I wanted a previous period that was unaccounted for to be considered as an additional period of employment due to recent changes in the legislation. The deadline to submit the paperwork under the TEPSLF program is XX/XX/XXXX. I re-submitted paperwork for the period of XX/XX/XXXX to XX/XX/XXXX, to show that I worked for the City of XXXX XXXX for one year, instead of the 6 month period that I was previously given credit for in past years. I would like for all of my periods of public service work to be accounted for and an update to be sent to me please on the total number of payments I have made toward the goal of 120 payments or 10 years.
Company Response:
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is reporting on my Consumer Credit Report and is NOT MY ACCOUNT. I am aware that I am a Federally Protected Consumer and the executor. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 AND the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I am demanding this alleged account and debt be removed from my report. I am filing this complaint as my final attempt to settle this issue. If this account is not removed immediately, I will file a default judgment in the US District Court against XXXX XXXX XXXX Thank you
Company Response:
State: MO
Zip: 648XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A