Date Received: 2022-07-22
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Went to XXXX and could not find information to loans and could not repay. Thought I had till XXXX but they are garnishing my checks
Company Response:
State: MO
Zip: 641XX
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: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Fed Loan Servicing has refused to remove the forbearance from my student loan so I could be earning more months toward my PSFL credit. I contacted them by phone after the President announced that student loan payments would be put on hold, and during the time the payments were on hold credit would given toward my Public Service Loan Forgiveness plan. They said that there was nothing they could do and that I was required to stay in forbearance until Ive exhausted all the forbearance time and that I would then not be eligible for getting credit for the months I was in forbearance. I gave up trying to reason with them and I am still in forbearance not earning any time credit towards my PSLF program.
Company Response:
State: NM
Zip: 87507
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: Problem with customer service
Consumer Complaint: I submitted 3 employer certification forms on XX/XX/22 for loan forgiveness. On XX/XX/22 I submitted the forms for the second time when I received the letter stating only one form was received. On XX/XX/22 only one of the form was processed and even that one was not processed correctly. I called the ombudsman on XX/XX/22 when nothing was updated on their website. The ombudsman stated that it would take 2 weeks to process all the forms. On XX/XX/22, I saw that still only one of the form was processed correctly. I called the ombudsman again on XX/XX/22 who now stated that it would take another month to process.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I believe Fed Loan Servicing is defrauding student loan borrowers. have applied for Public Student Loan Forgiveness multiple times. I meet the criteria. I have followed every step. I continue making my payments. They made a clerical error. They denied forgiveness based on their clerical error. I have been employed by a verified employer since XXXX and they entered XXXX which subsequently omitted many years of qualified payments. I found there error. Called. They called me to resubmit. I did. They did not correct the error. I called again, they said they would begin a formal review to correct the error and I would hear from them in 7-10 business days. Instead, 15 days later they are selling my loan off and not qualifying me for forgiveness. I have been on hold for 2.5 hours. Today I have been on hold for three hours and have not hung up my phone.
Company Response:
State: MO
Zip: 63755
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My problem is this : back in 2006 my spouse and I did a spousal consolidation loan to make it easier to make one payment together. These loans are impossible to untangle, and make it impossible for either of us to qualify for loan forgiveness, even though we have the requisite 120 payments and public service. We are only excluded from these programs because of the consolidation of our FFEL loans. Further, I had to apply for loan forgiveness three different times and be rejected for three different reasons, none of which were the spousal consolidation, but all of which were because of the spousal consolidation. A growing number of us are discovering this problem and we would like the CFPB to join us in pressuring Congress to do the right thing so we can disentangle these loans. What a mess this program has been!
Company Response:
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Refinanced two loans back in 2008. Noticed wrong information on webpage a few years later including wrong schools attended. Told company said they would fix. This has gone on numerous times with no corrections. As a result I am questioning that Ive been paying consistently for 14 years and only have paid off {$9000.00} off my XXXX loan. Interest payments vary every month but {$20.00} or so and it makes no sense. I am consistent with payments. They ignore communications and I dont know what to do. I still owe AES {$30000.00} after all these years. Something isnt right.
Company Response:
State: PA
Zip: 15068
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: PHEAA sent 2 notices on XX/XX/2022 to my email claiming that the account was 26 days past due. I called on XX/XX/2022 and made a payment over the phone using my Debit Card. The transaction is listed as a pending pre-authorization and will be cleared by XX/XX/2022. PHEAA then sent another notification at XXXX on XX/XX/2022 well after the payment was already pre-authorized and handled. Additionally, PHEAA 's phone system claimed the account was 25 days past due, not 26 days past due on XX/XX/2022. I am being harassed by PHEAA, despite efforts made in paying a bill. PHEAA continues to deflect responsibility for this violation of rights. No human being deserves to be sent communications claiming the account is past due after a payment was processed regardless of whether the incompetent company fully received it or not. They can only address delinquency after a payment gets returned. Until then, they are to treat the payment as a payment. PHEAA agents have explicitly stated they would misreport to the Credit Bureaus if the payment didn't get processed on their end by 30 days past due for an account. This is concerning, because borrowers have no control over how PHEAA processes payments. In addition, for all we know, PHEAA agents may deliberately prolong this process just to retaliate against borrowers. Based on past experiences with this agency, agents follow protocol and do not truly understand who is in control. Then the agents become intolerable to deal with because they do not know how to deal with the public, those of us who become frustrated by the lack of knowledge from Representatives. Received twice on XX/XX/2022 ( once in the XXXX and once in the XXXX ) : Hello XXXX : Your student loan account is almost a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. Failure to clear the delinquency could result in the following : Negative credit reporting Your account being assigned to a collection agency Delay or disqualify you from incentive programs that the lender may offer, such as co-signer release, interest rate reductions, and rebates If you haven't made a payment, please do so today. The easiest and fastest way to make a payment is online. PHEAA agents also ask repetitive questions every time I get a separate agent ( even if I'm being transferred ) like has my address or phone # changed since the last time I spoke to someone ( even if it was minutes prior ).
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: 1. XX/XX/XXXX : I submitted employment verification to FedLoan for employment at XXXX for period XXXX - XX/XX/XXXX. 2. XX/XX/XXXX : I received an updated count for payments which did not reflect either XXXX as an employer or the period of employment from XXXX - XX/XX/XXXX. 3. Instead, an employer XXXX XXXX XXXX XXXX ), for which I worked XXXX, was listed a second time for period XX/XX/XXXX - XX/XX/XXXX. 4. I did not work for XXXX XXXX XXXX XXXX. During that Period, I was employed by XXXX XXXX in Pennsylvania. 5. So instead of adding a year of employment history for the period which I was in repayment, which would give me more time towards eligibility for XXXX under the waiver, I was given 1 month. 6. I checked the FedLoan website, was able to see a copy of my employment verification form, and verified that I submitted the form from XXXX correctly. Thanks
Company Response:
State: PA
Zip: 19010
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: While attempting to refinance my mortgage, my lender notified me that I had a delinquent account with American Education Services. I logged into my account and noted that I currently owe XXXX dollars and searched through my account related letters and billing statements, noting that there were no bills located within the account. I emailed AES on XX/XX/XXXX and XX/XX/XXXX and spoke to AES representatives on XX/XX/XXXX and XX/XX/XXXX. During my conversations the customer service representatives could not find any bills related to the account, and, were unable to find information related to why the accounts were listed as defaulted. The first representative encouraged me to sign a formal letter asking for confirmation and copies of bills related to the account given that I had never received them. He then told me ( on XX/XX/XXXX ) that I would receive a form in my email that I could sign that would " bring the account current '', no such email was received and I reached out again on XX/XX/XXXX. I am confused as to why I have never received a bill related to this account and am requesting that the late fees be waived, and, that the account be marked as current.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I obtained a loan for {$19000.00} in 2003. I have been making payments since then. I have paid in principal {$18000.00}, Interest of {$8200.00} for a total of {$26000.00}. AES says that I still have a balance of {$18000.00}. I called several times and I do not have the dates, was also sent an amortization schedule as I requested and it is not correctly calculated. When I brought this up, they stated it is but could not explain how I have paid this much over 19 years and still owe the same amount I borrowed. AES encouraged me to file a complaint and this is what I am doing.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A