Date Received: 2022-07-27
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: In my last letter I informed you, you are in violation of my rights as a natural person. I am the original creditor of the credits used for my education. The XXXX XXXX notes you supposedly sent are void and expired. The degrading assumptions, obscenities, harassment, oppressive and abusive language, evidence of unfair practices, and furnishing of deceptive forms in your letter dated XX/XX/2022 are not taken kindly. Again, I do not owe a debt, and I will not and can not pay a debt just as anybody else under Public Policy in the united states of America. Please do not threaten me again. Enclosed is the letter from you using scare tactics. Provide verification that I can agree with or a judgement, until then cease further communication with me and any person or consumer reporting agency without a judgement.
Company Response:
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: After receiving notification regarding the extension of the PSLF Waiver Program, I completed an original consolidation online for all of my Loans, in accordance with the waiver instructions in XXXX. I immediately became concerned because an automated letter from Fed Loans indicated all my loan counts would restart at a XXXX payment count. So on XX/XX/XXXX, I spoke to XXXX who told me NOT to submit the request for the in school deferment reversal until after the consolidation was complete. This resulted in me potentially missing period that could have been included towards my forgiveness due to my XXXX being XXXX during all periods of my in school deferment. I just received my counts on XX/XX/XXXX and it only shows XXXX that are eligible and XXXX that are qualified, but if the in school deferment has been send in XXXX when I originally inquired it could have taken effect before my loans were consolidated from 6 subsidized and unsubsidized to 1 subsidized and 1 unsubsidized. This payment count should have forgiven all my loans based on the new PSLF waiver ; however, because of the Fed Loan representatives advice to wait until loans had been consolidated I missed out on counts that could've made my loans forgiven as I would have had the XXXX or more payments. I do have a timeline of events that would show the dates of my calls. I properly followed procedures but was horribly misled. I am now stuck with {$100000.00} that should have been forgiven on XX/XX/XXXX according to the PSLF waiver extension. How do I proceed in having the consolidation corrected?,
Company Response:
State: OH
Zip: 45066
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I attempted to get a deferment for a month. I was advised I still need to make payments during the deferment process. I was told my deferment would be applied to the month I requested over the phone. Now I am being denied because they said I kept making my payments. They have also reported my loan to the credit bureau for the month I requested a deferment for.
Company Response:
State: NY
Zip: 11783
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Over the past several months I have attempted to contact Fed Loan Servicing multiple times to ask questions about my loans. Each time I have called, I am on hold for no less than 2 hours. On multiple occasions I have finally gotten through to someone, only to be hung up on or placed back in the cue to wait hours again. The most recent instance of this happened XX/XX/XXXX, when XXXX, ID number XXXX, said she was going to place me on hold, and I was then sent back to the cue to wait another hour and a half. When I finally got a person on the line, she was rude and unhelpful, did not answer my question, and hung up on me. Her name was XXXX, ID number XXXX. I have multiple payments under PSLF that have not been counted correctly, and it has been impossible to speak with someone in advance of the XX/XX/XXXX XXXX waiver deadline. Additionally, Fed Loan Servicing constantly rejects or inaccurately reviews employment certification forms, forcing me to constantly call to fix it. For example, I submitted an employment verification form in XX/XX/XXXX that shows I have been working for my employer since XX/XX/XXXX. All of those payments were counted, except for XXXX XXXX XXXX with no explanation, other than utter incompetence. Additionally, in XX/XX/XXXX I was told I could make up for non-payments if I was with a qualifying employer during those dates. So I made a payment for XXXX and XX/XX/XXXX, and the XX/XX/XXXX payment was rejected. I have been unable to reach someone to ask why. I am requesting CFPB to connect me with someone who can review my PSLF and answer my questions, as well as correct the missing payments so that they show correctly and my payment count is accurate. There will be a new servicer soon, and I can only imagine the chaos we as borrowers will need to endure. We can not even trust the current servicer to manage the PSLF correctly, I imagine the transfer in servicer will not be a smooth one.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I submitted a recertification of my IDR to Fed LoAn Servicing. However, I was not required to do so until XX/XX/2023. I contacted Fed Loan Servicing to cancel my IDR but my request was denied because it was still being processed. I later resubmitted a request to retract my IDR once I received the letter confirming its implementation, and I was assured that this time the request would be approved within 1-2 weeks. I have still not heard back from Fed Loan Servicing and I need the IDR reversed before the loan terms are transferred to XXXX in a few weeks. The servicer is clearly attempting to dodge my requests, and the issue has not been resolved in a timely manner. I am legally not required to submit a new IDR for another year, and therefore, my calculated payment should be returned to the same payment as it was pre-pandemic before the loan freeze. I would like a letter from my fed loan to confirm this!
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: RE : ACCOUNT NUMBER XXXX XXXX XXXX I qualified for Public ( Student ) Loan Service Forgiveness and my student loans were forgiven by FedLoan Servicing on XX/XX/2022. However, in a previous correspondence/letter, FedLoan Servicing ASSURED ME that FedLoan Servicing will be reporting my forgiven consolidated amount of XXXX to the Three Credit Bureaus as XXXX PAID IN FULL ''. THIS IS NOT THE CASE. FedLoan Servicing is wrongly reporting to the Three Credit Bureaus as " PAID.CLOSED ''. PAID/CLOSED COULD BE FOR DIFFERENT REASONS, BUT PAID IN FULL IS WHEN THE ACCOUNT IS PAID IN FULL TO FED-LOAN SERVICING XXXX THE DIFFERENCE BETWEEN " PAID IN FULL '' AND " PAID.CLOSED '' IS HUGE. If FedLoan complete their obligation to Report my XXXX loans to the three credit bureaus as " Paid In Full '', then my credit score will be increased. When FedLoan Servicing is reporting that my newly consolidated student loans are ONLY " PAID.CLOSED '', that reflects negatively on my credit score, because FedLoan does not direct the three credit bureaus that my student loans are FORGIVEN OR PAID IN FULL BY THE GOVERNMENT. THIS IS WRONG. See the following explanation by XXXX : " The Difference Between Closed and Paid-in-Full. - Revolving accounts, like credit cards, are referred to as " closed '' when the account can no longer be used to make charges.Credit card accounts will show " closed '' with no balance rather than " paid in full '' so that there is no confusion about whether the account is open to new charges. Paid, '' or " paid in full, '' is the term applied to installment accounts, like car loans/student loans, after the last payment is made and you have completed repayment of the loan as agreed. XXXX XXXX, XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 14626
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
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 have new information. This is an official notice that your organization is in violation of 15 USC 1681 Section 623 ( a ) ( 1 ) ( A ). Fedloan is furnishing information on my consumer report with actual knowledge of errors. Student loans were put into a non-pay status pursuant to presidential order, the CARES ACT in 2020. Fedloan is reporting multiple 90 late payments during the covered period of the CARES ACT. Your reporting is lacking integrity. There is reasonable cause to believe the alleged 90 day late payments reported on Loans XXXX, and XXXX are in error. My accounts were in forbearance status and were reported in good standing in the months prior to the reporting of the alleged 90 day late payment status.
Company Response:
State: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/2022 - {$620.00} was directly deposited from my account without my authorization and against Federal COVID relief regulations -called Feloan, explained the situation, and was told they will refund the moment it post XX/XX/2022 -Money was returned by my bank XXXX XX/XX/2022 -Fedloan made a second attempt to take out money and unfortunately, it went through because my paycheck was directly deposited -immediately, called fedloan, explained the situation again, the immediately stated the will provide a refund but never stated how long it will take XXXX XXXXXXXX XXXX -called to check on status of refund status, its pending, talked to customer service rep and was told 2-3 months before money is refunded XX/XX/2022 -spoke to manager and supervisor and was told there was nothing they can do on their end, the request has been sent to the treasury department, they are backed up with other refunds , and it may take a while. -was told any overdraft fees I receive, send a letter to fedloan requesting they refund, and to file a complaint on this website. I need help with expediating my refund. I have other bills to pay and I cant pay them when my checking account is in a negative
Company Response:
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: AES Student Loan Servicer reported me as " major derogatory '' for a {$14.00} payment that they failed to collect from me when I called several times to their office to begin ANOTHER repayment plan. I have called wrote letters since XXXX to rectify this situation as my credit score dropped from an XXXX to a XXXX. I have since lost a bid on a new home, and had to find a co-signer to purchase my new vehicle. Note : I WAS ON AN AUTO REPAYMENT PLAN WHEN THEY REPORTED MY CREDIT!! After several conversations, supervisors, and writing appeals to AES, I am still left struggling to rebuild my credit ( which had been in good standing for quite some time! ). Below is the last letter I wrote to the appeals office, per their supervisor-who helped draft the verbiage for me. And I was still denied. " Per my conversation today with XXXX, ID # XXXX, I am writing regarding the denied credit dispute that I sent in last week. He stated that I should write an appeal to clarify my reasoning for the dispute. On XX/XX/2022, I called into your office regarding a bill that I received in XXXX for XXXX for {$14.00}. I explained that I didnt understand the purpose of the bill as I was set-up on an auto payment status. The person on the phone stated that I needed to be re-certified for the Income Driven Payment Plan and then assisted me in doing so. A payment agreement was set and it was my understanding that this would also take care of the {$14.00} balance on the account. At no time during that recorded conversation was I instructed or asked to pay the {$14.00}, or I would have immediately. The auto payments went on as scheduled and then on XX/XX/2022 I received a notification of a derogatory credit report for non-payment of {$1700.00}. I immediately called back to AES to question this report. The lady that I spoke with was very helpful and stated that Loan Sequence # 1 was showing a {$0.00} payment due and therefore the auto payments were not being contributed to that particular loan. However, it was not disclosed at that time that the {$14.00} was not cleared and therefore the reason for the negative credit report. She stated that she recognized the error and would send over a request to have the derogatory reporting removed. I was at ease knowing this was being handled. XX/XX/2022 I received another negative credit reporting for {$1700.00}. Due to these two reportings, my credit score went from an XXXX to a XXXX! I called back to AES as I thought this matter was rectified. The person that I spoke to this time stated that they, too, would process a dispute. I wasnt made aware of a form that needed to be completed, but then received a dispute form in the mail on XX/XX/XXXX. I then called back to AES to ask why I was receiving a form nearly a month later when twice now I was told the matter would be resolved. This person said I had to complete it in order to request the removal of the derogatory reporting. I completed and uploaded, and mailed the form as requested. I called back today, as instructed, to check on the status and was told my request was denied. While XXXX explained that the {$14.00} was a past due amount, he understood that there was clearly miscommunication and could see by my account history that I have been making every effort to remain in good standing with my payments. It is my hopes that whoever is reviewing this correspondence can see that I am in no way attempting to avoid payments and doing everything in my power to cooperate. For what its worth, my family and I just lost a bid on our first new home due to this credit reporting and we are absolutely devastated. Additionally, I have a new vehicle waiting to arrive from the plant and I am truly hoping this can be rectified prior to having to sign papers on a new lease. I have worked extremely hard to maintain a good credit score and would graciously appreciate your understanding to submit a correction on my behalf. After hearing XXXX explanation, I do understand that the {$14.00} was a delinquent amount, but I urge you to pull the recorded phone conversations to see why I was left under the impression that my AES servicer was leading me in good faith and did not speak of a need to pay the {$14.00}. I believe both myself and the representative understood that the approval of the repayment plan would also include that amount. Thank you for looking more deeply into this situation. I will await your response. '' This, too, was denied.
Company Response:
State: KY
Zip: 40258
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loans are being inappropriately and I believe illegally serviced. My loans have been illegally serviced so severely in the past they lost coverage by their guarantor and are now being self-serviced/guaranteed by PHEAA. They have repeatedly inappropriately applied deferments and forebarences. Now I found out that during the COVID pandemic when I was supposed to be getting payments deferred without interest penalties... They illegally were continuing to charge me interest the entire time and capitalizing the interest on the account ( so they've now collected interest on top of interest ). Additionally, I work for a non-profit and even after applying multiple times for the forgiveness program, they continued to intentionally make the process challenging, complicated, and nearly impossible. PHEAA has been predatory and abusive throughout the entire length of time they've serviced my loans.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A