Date Received: 2022-07-18
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My name is XXXX XXXX ( XXXX name ), the widow of XXXX XXXX XXXX, who XXXX XXXXn the XXXX XXXX XXXX for XXXX years. He passed away on XX/XX/XXXX. Since his death and the world events that have taken place, it has not been easy to make ends meet. Ive been paying back on student loans since XX/XX/XXXX. Ive worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XX/XX/XXXX. After that I worked for the XXXX from XX/XX/XXXX until the end of XX/XX/XXXX and the XXXX XXXX XXXX XXXX from XX/XX/XXXX until the end of XX/XX/XXXX. In all, this makes XXXX years and XXXX months of working for the XXXX and well over the 120 payments required for the PSLF program. I was overjoyed with the news of extra relief that came with the PSLF program President Biden introduced. However, this joy got curtailed, after I was informed that the years, I worked for the XXXX XXXX XXXX and paid on student loans before XX/XX/XXXX dont count. Of course, then I would not qualify for the 120 payments. Two years and 8 months working for the XXXX and student loan repayment have been deemed arbitrary. Therefore, my request to make those two years and 8 months count towards the PSLF. They are bonafide. The evidence ( W2 and student loan repayment tax documents ) were submitted to the Department of Education
Company Response:
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have submitted and re-submitted proper paperwork for the Public Service Loan Forgiveness ( PSLF ). I was told all the information has been verified and approved however, no chances have been made to my account since XX/XX/2021.
Company Response:
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Back in 2016 I asked to be waive my XXXX XXXXXXXX XXXX status and submitted the paperwork. I was told it was processed through their internal messaging system. I later asked to cancel the waiver and they sent me the form. However, since this current reconsideration/review effort has been going on I've learned they never applied the waiver. This leaves me with 2.5 years of uncounted payments. I wanted them to count because I was in a XXXX dollar payment period because I was on XXXX from my employer while I completed my degree. They switched from sending me documents via email to an internal messaging system that they control and leaves no to a very short time-limited paper trial for me. I have complained to them for years about their handling and was assigned one person to speak to at one point. They do have some records or those conversations and actions but apparently not all. FedLoan Servicing is deceitful! They put me into deferral/forbearance when I didn't want to be because it would hurt me when I was in favorable payment range. I repeatedly asked where I could go to file a complaint and they never directed me to CFPB they just said they are the servicer the government chose for PSLF program. When I consolidated my loans I was not told the payments previously made would no longer count until after it was done. When I asked them to count them under the current initiative they didn't until I provided information my old servicer provided. I was fortunate old servicer still had the information. They never helped me verify my employment dates from previous employer that failed to sign or the state hospital that had closed. Their handling has been a hinderance of my financial freedom and impedes my motivation to trust what any of the representatives say. I do have some documentation to support my assertions.
Company Response:
State: OH
Zip: 45420
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My spouse and I graduated with our XXXX degrees in XXXX with about $ XXXX in student loans each. Languished in economic hardship deferment and forbearance until XXXX when we were directed to a spousal consolidation loan by Pennsylvania Higher Education Corp, now Fedloan. Continued forbearance as we could not afford minimum payment until about XXXX when we started the XXXX program. You know the drill : capitalized interest year after year resulting in a debt now of {$280000.00} even after we've spent 30 years with this debt, 12 years paying over $ XXXX. I was just awarded " trophies '' by Fedloan since I hit XXXX payments, meaning we are waiting for XXXX forgiveness! Great news, however since it is direct spousal consolidation loan, I recently discovered that Fedloan will try to " proportion '' the balance between us and forgive mine under XXXX but my spouse 's will be retained and assigned to her. That is how I understand the regulation, however no one has actually had that happen yet that I know of. A handful of us on XXXX have sat with our 120 payments made but it is not being reviewed to be forgiven. It seems like there are so few of us in this situation that the guidance issued from the DOE on how to proportion the debt is a hornets nest and it keeps getting kicked down the road. Absolutely zero communication from Fedloan, XXXX, or DOE about this unique situation. Additionally, this was NEVER explained to us at consolidation and we've operated since XXXX under the assumption that my public service employment was addressing the whole consolidated loan. My spouse has also worked in XXXX XXXX for at least 8 years of the 10 years required for XXXX. At first, Id submit a XXXX XXXX for her yearly and it would get kicked back to me with the note that there were no loans in her name. That is correct because the Consolidation loan apparently was in my name. So, we could have been making progress toward her forgiveness as well, however it was prevented by the way the loan was formed. Both of our incomes were used to figure the income based repayment, yet her loans apparently do not exist in the eyes of XXXX until mine are forgiven, if and when that happens. If this eventually goes through, my loans will be forgiven under XXXX and we have no idea what happens next. Will she get a XXXX account with her balance? Will we be able to submit about 8 years of XXXX Certifications and get credit for those payments for her? She started her own private practice last year because we were led to believe that all our loans would be forgiven and she had the flexibility to leave public service. Will she have to leave her practice and go back to a community non profit or government job to get the remaining two years of certified employment to get forgiveness? When the waiver expires in XXXX, XXXX her proportioned loan will likely not be on the books yet. Will she be able to get credit for past payments under the waiver when we were both working in public service jobs? The bottom line is this : Weve carried these loans for about 30 years, through hardship deferments and through over a decade of public service. The rules are still unclear and we are stuck in an administrative hold with no communication from the DOE or XXXX. Had we known this, my spouse could have stayed in her nonprofit job thru the pandemic pause and she would have exceeded the 120 payments for XXXX. Had we known this, we would have NEVER pursued the Direct Consolidation Loan ( PSLF did not exist at the time we steered into consolidation ). If Congress passes the consolidation act, we will be able to separate our loans and I guess that is good. However, weve operated under the assumption for years that my public service work was being applied to the consolidated loan. Fedloan, DOE or XXXX never provided any guidance to us. As part of the consolidation legislation, these past periods should be applied to loans when they are separated, including waiver benefits. Additionally, there needs to be an off ramp for people like us. We've been trapped in this system for almost 30 years and our balance has only increased. XXXX in XXXX did not address our type of loan and there is no way out for us. I know this is minutiae, but it is very important to those of us stuck in this system. However, we have nowhere else to go and this system has already stolen years of our lives, we have little for retirement, little for savings, and our XXXX are now grown and have their own student loan debt b/c we could not help them.
Company Response:
State: WI
Zip: 54115
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I initially submitted my documents for XXXX in XXXX. I called in the interim ( wait time of over XXXX minutes ) and at that time was given no information other than they had not reached my application ( this was around XXXX ). I was notified in late XXXX that additional information was needed and could be uploaded to the website. Which I did within a weeks time. I've called since ( early XXXX ) and was on hold for almost XXXX hours and had to get off because I had an appointment. I am afraid that my account will be transferred to XXXX and the work and effort I put in with Fedloan will start all over again. I do not want this outcome. I want an updated account of where I am as I've had a number of years of XXXX XXXXXXXX XXXX that was never counted by Fedloan.
Company Response:
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have called 7 times regarding the removal of dispute comments from my accounts. The disputes fall under XXXX XXXXFedLoan XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated they could not remove dispute comments over the phone or by fax, and the only way to remove them was to send a letter to XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX They and that they will take 2-3 weeks to receive the letter and then will have an additional 30 days to remove the dispute comments. After multiple calls they gave me 2 ID Numbers. Dispute ID # of XXXX for account # XXXX. You spoke with XXXX XXXX and it took 2 phone calls to get to this information, as while she was getting a supervisor to approve the comment removal the call was disconnected. 2nd call she stated it had to be mailed in and did not get the supervisor. Call 1 Time XX/XX/2022, XXXX XXXX. Call 1 Time : XX/XX/2022, XXXX XXXX Call 3 Time : XX/XX/2022, XXXX XXXX There we at least 4 additional calls requesting disputes removal where I was given several different phone numbers to call. Upon calling the numbers no one answered my questions or assisted me. I am currently seeking financing and this is holding me back. Please remove disputes expediently.
Company Response:
State: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have not gotten any loan
Company Response:
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have participated in XXXX since 2010. I submitted my final documentation of on time payments and working for qualifying providers in mid XXXX. These documents were reviewed finally in early XXXX. The documents were incorrectly interpreted. I called one week ago to correct this error. About 2 hours on hold and reviewing file. PSLF counselor agreed that appropriate documents were present and that these should count as additional on time payments toward PSLF. She submitted a manual review. My payment counts were updated this week but remain incorrect. I have now spent another hour on hold and reviewing with PSLF counselor. I have low faith that this second manual review will resolve this issue. The counselor do not understand some of the basic criteria that this program uses ( I work for XXXX qualifying employers with more than 30 hours per week but they are unaware that this still counts as qualifying payments ).
Company Response:
State: OR
Zip: 97212
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: When reviewing eligibility for months that count towards XXXX I noted that loan months from XX/XX/XXXX to XX/XX/XXXX are eligible ; however, months XX/XX/XXXX to XX/XX/XXXX are ineligible. This does not make sense as the status of my loans during this time were the same and therefore should also be eligible. I did have a qualifying employer during months XX/XX/XXXX to XX/XX/XXXX which FedLoans should already have on record. I would like these months counted towards my XXXX qualifying payments. I have attempted to contact FedLoans ; however, no one is able to answer this question.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Good Morning, My student loans were held by FedLoans for years, and I've never had any problems until now. I am under the impression my loans maXXXX have been sold to to another agency, but I have not received much guidance on how to access that agency or when that will take place. I have attempted to contact FedLoans by phone, email, and live chat, but no representative has contacted me or offered any help. My loan status is incorrect, and has been incorrect since late XXXX. I requested a Forbearance in XXXX while I was struggling with my income, and then the pandemic hit. I was informed the Forbearance should cancel after 12 months and I would need to reapply. I did not reapply as the Government was allowing student debt to be paused, including interest. Due to their clerical error and my loans having an incorrect status, I was assessed another {$2000.00} of debt to my balance from unpaid interest. I have been asking them for a formal review of my balance with no response. If I am under obligation to pay this debt, I would like an explanation at the very least. Thank you for your assistance, XXXX XXXX
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A