Date Received: 2023-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Nothing has happened. There still reporting inaccurate information and accounts on my report. I have reached out certified mail on several occasions with no results. The last time I've reached out was XX/XX/2023, providing proof of with my certified dispute letter, ending with no results from any of the credit bureaus. This collection that is reporting on my credit report from this company was under a lawsuit. I was one of the customers that was under the multistate XXXX settlement lawsuit. This loan was supposed to be removed from all 3 credit bureaus and I was paid out a settlement check. Those were the agreements within the lawsuit. I have proof that restitution was paid out to my account from this lawsuit.
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I borrowed {$20000.00} in XXXX and that private loan is being serviced by AES. Now, in XXXX, after years of repayment, I have paid over {$20000.00} and still owe {$27000.00} - even though my original amount borrowed was {$20000.00}. Ive called multiple times asking to have my $ 420 monthly payment lowered, asked about options for any kind of loan relief, and every time, I am quickly and firmly told there is nothing they can do. My interest rate is over 12 %. This feels like Im being taken horrific advantage of, especially since I have already paid back the amount borrowed and still have MORE than the original amount borrowed left to pay. I need to help dealing with this company or I will wind up paying almost {$50000.00} for a {$20000.00} loan that I took out almost 20 years ago.
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX PHEAA defaulted my HEAL loans, even though Id been making the required payments based on my income. They told me Id missed payments for ninety days. When I checked, I saw that they were right, but I hadnt received any bills from them, so I asked them about that, and they shouted at me that I was responsible for making payments, regardless of whether they billed me, or not. They sent me to XXXX, the gauranteer of the loan, who paid them off, and then collected from me, based on what I could afford. After two years, they told me my payments werent even making the interest accumulating. I sent them all the required paperwork about my finances, certified, return receipt. They ignored me, and told me that since I had refused to cooperate, they were sending me to DOJ for enforced collection. I told them I had a return receipt that they had received the required paperwork, and the woman shouted at me. Can you afford {$2000.00} per month?!. No. Then youre going for enforced collection!, she shouted. Fine, I said, but I want the letter amended to show that I did cooperate. She agreed, and never sent the letter. XXXX. Can I have these loans considered for forgiveness under Bidens One Time Adjustment? I wrote to DOJ but havent heard back yet. PHEAA was accused of intentionally defaulting students loans in this manner to collect the full fee without having to service the loans. There were class action law suits brought against them for this.
Company Response:
State: PA
Zip: 17331
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I'm a 100 % XXXX XXXX XXXX XXXX Veteran and cosigner on student. I thought I should fall under " The Biden-Harris Administrations Student Debt Relief Plan '', and they're saying it doesn't apply. I also thought I should be covered from the military service. We also tried it from my service as a XXXX XXXX ( XXXX XXXX ) approach. They find a way to evade all trials. This loan with American Education Services is from early 2007 and even though we've been paying more than minimum payments its doesn't seen like its dissolving.
Company Response:
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/XXXX was contacted by U.S department of education via mail, regarding student loan payments. Called and was transferred over to a company called cornerstone. Talked with an agent who set up a payment plan for XXXX XXXX monthly. Since XX/XX/XXXX, I have been charged that amount. Tried to contact the customer service number given and The number is no longer in service, went through previous documents from the place and everything seemed legit but now looking at it. It is a scam. I was contacted by student loans saying my first payment is due in XXXX but Ive been paying almost 2 years now. Im contacting to report fraud
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company as a furnisher and a repository has been given ample opportunity to correct all data on the credit report concerning student loans. They were given identity theft reports and there also has been affidavits filed with XXXX stating the same measure. What this may come down to is the securities fraud that they may be acting in as they have been warned several times that they have no consent to continue on the path they are own. I've asked them to produce the original contract and security agreement. They have yet to do that. I also sent them an invoice and Now I will start reaching out to the IRS and The S.E.C. for all of the Breach that has continued.
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: For some reason theres various student loans accounts open when I did not have so many and I had at one point student loans is charging me double the amount owed. I reported it it took them a month around so to fix it, but never took it off my credit report so now it shows more open accounts that Im supposed to have I filed through the credit bureaus online, they still failed to fix it I believe the valid the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681a ( p ) ). 1788.101.
Company Response:
State: CA
Zip: 96080
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Took out a parent plus loan for my son XXXX XXXX, {$13000.00} dollars, for him going to XXXX XXXX XXXX university. XXXX filed for bankruptcy XXXX XXXX paid the loan, have receipts from the trustee payments went out to fedloan servicing in XXXX PA. This was a high priority from my lawyers to the trustee and fed loan department. All payments were made but they still show as not being paid in my account and my sons account? I have all the paperwork. I need assistance. Im now retired XXXX with minimum income coming in. Thank you XXXX
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Nearly two years has passed but there has been no activity NOR helpful information provided to minority student loan BORROWERS ' DEFENSE applicants like me. Before I found out about Borrowers ' Defense, repeatedly student loan lenders AES and PHEAA refused to grant me REPAYMENT OPTIONS and / or Arrangements that avert loan default. ( In the past, I did cheerfully fullu repay initial student debts. ) I am now XXXX XXXX XXXX, and my health is declining. I have been told that both AES and PHEAA are my loan servicers and it is confusing. Below I have attache my Borrowers ' Defense application which explicitly explains why I qualify for student loan forgiveness. Additionally, such a large amount of money garnished from my only income, Social Security benefits should be discontinued since those lenders misleadingly ensured my loan default apparently to those servicers ' ability to be both servicers and debt collectors. I STRONGLY believe that servicers for my student loan debt do NOT have the right to prevent me from President Biden 's student loan debt " Fresh Start '' program. Nor should I be excluded fom forgiveness. I attempted to enroll into the President 's " Fresh Start Initiative, '' to no avail. Via telephone I finally spoke to someone at the Dept of Education who told me PHEAA was my loan servicer ; and my student loan debt WAS NOT submitted by the servicer ( S ) for student loan debt FRESH START program. From time to time, confusingly, AES, XXXX and PHEAA have contacted me. It is not fair that servicers for my student loan never notified me about ANY forgiveness, nor OTHER student debt options. ( I heard about Borrowers ' Defense from news articles. ) More than two years ago I submitted my compelling Borrower 's Student Loan Defense application and statements. Since year XXXX XXXX XXXX disaster I SORROWFULLY have been -- and remain unwillingly displaced from XXXX XXXX -- like countless displaced XXXX American from XXXX and XXXX disasters. I am old and existing here in isolation in XXXX, Louisiana away from my family and friends since government program housing frauds are prime reasons for crisis in affordable places to live. IMPORTANTLY, around XX/XX/XXXX, I saw in the news that Louisiana received $ XXXX for student loan relief ; and XXXX people in Louisiana had their loans forgiven. In light of economic conditions and collection unfairness toward indigent people, PHEAA ought to be probed and required to explain why XXXX people like me were excluded from debt relief and our Social Security benefits continued to be garnished. Scores of news articles and lawsuits about deceptive practices pertaining AES, PHEAA -- and even XXXX being sanctioned by the Consumer Financial Protection Bureau and required to pay XXXX of dollars in fines. From all three companies I get correspondences about my student loan, which I don't know why. AND to make matters worse, my student loan debt multiplied more it seems every time loan servicers swaps around my student debt. The facts and easily verifiable statements on my student loan Borrowers ' Defense application overwhelmingly prove that " Defense '' is meritorious, and my student loan debt should be forgiven. Also I should be REFUNDED the money that was garnished monthly from my social security benefits. On page 6 of my Borrowers Defense application, under the section called : FORBEARANCE/STOPPED COLLECTIONS, I agreed that while my borrower defense application is reviewed, my federal loans become placed in forbearance and collections stopped on any defaulted loans. I feel certain that in light of PHEAA 's questionable conduct that is well-documented by Attorneys General lawsuits. As it pertains to Louisiana debtors, AES and PHEAA must be investigated and held accountable for impeding minority borrowers from XXXX XXXX and or misleading borrowers about affordable repayment options. Please look into why my student loan was not included among the XXXX, XXXX Louisiana student loan borrower, or even if partially? And please look into loan servicers misleading minority like me so that those servicers can be simultaneously services as well as debt collectors
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A