Date Received: 2022-07-14
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I am applying for public student loan forgiveness ( PSLF ) for my law school loans serviced by FedLoans. XXXX months ago I resubmitted my employment certifications, even though I have submitted these certifications throughout the life of the loan and my years of employment, many of my certifications were no longer on file. I received a letter from FedLoans and noticed that many qualified payments were not applied. I am now resubmitting the same paperwork, that I have resubmitted many times in the past XXXX XXXX, in an effort to have my qualified payments applied. This nonstop, paper-chasing XXXX by FedLoans is extremely frustrating. I have no reason to believe that when I send in the documents, again, that FedLoan servicing will accurately apply my qualifying payments to my PSLF.
Company Response:
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: PHEAA XXXX XXXX XXXX. have been persistently harming my consumer credit for years. I made several attempts over the last two years to have Fedloan Serv remove the inaccurate accounts from my credit file/report. I also opted out of forced forbearance due to the " pandemic '' and one month the account was forced into forbearance again, showing I made payments on my consumer report when I have never and will never make payments, these tactics to keep the " assumed debt '' on my credit report well over 7 years has greatly effected me. After notifying them by phone that I do not owe a debt in which Fedloan assumed, I demanded to see an audit trail and the original document of indebtedness to show proof that I do not owe any debt. I also requested proper verification of debt or accounting to be notarized and signed by the accountant over my account. I received a copy some frivolous paperwork that seems to be computer generated, on the back of the last document they sent was a page entitled Direct Loans and also read page 1 of 8 at the bottom with no reference or evidence of a page 2 through 8. This one page document, printed on the back of frivolous small print documents that were printed in repetition, had a computer generated signature of my name. I have not been able to use my credit to obtain a home, personal vehicle, or a lifestyle that is appropriate to educate my son and prepare him for the world. Therefore I am homeless and have suffered financial ruin because of fraudulent practices exercised by FedLoan Serv and other persons under the same corporate control. I was messaged by XXXX that they now have my loan and I also informed them of my past troubles and the lack of evidence to make a claim previously by Fedloan. I stand with the provisions of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Equal Credit Opportunity Act, Indigenous
Company Response:
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
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 appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is removed. FEDLOAN XXXX
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have a previous complaint against this same entity, FedLoans : XXXX. This issue is different, but perhaps they are screwing with me as a result of my prior complaint to you ( and my many complaints to them in the interim ). My current issue is that FedLoans appears to have deliberately refused to discharge my loans. In the interest of not going into the many years of difficulty with FedLoans, the following is a summary of the past year : On XX/XX/XXXX, I received notification from FedLoans that they had done a comprehensive review of my eligible and qualifying payments based on changes to the Public Service Loan Forgiveness Program made by the Department of Education. By way of background, after 120 qualifying loan payments ( essentially 10 years ) in public service employment, loans are supposed to be forgiven under that program. FedLoans review letter said I had 122 eligible payments, but that only 116 had been qualified/certified. In short, it seemed like they had recounted all of my payments through the last date I certified my employment ( XX/XX/XXXX ), and that only the six ( 6 ) month period from XX/XX/XXXX through XX/XX/XXXX needed additional certification ( i.e. those six payments were " eligible '' but not qualified '' ). If I certified my employment for that period, I would have 122 qualifying payments! Hooray! Because in theory I now had 122 of the 120 loan payments required to discharge my loans, on XX/XX/XXXX, I submitted a final employment certification form to FedLoans and application for forgiveness ( it is the same form, you just check a different box ). Despite receiving the notification they had done a complete review of my loan payments only a couple of weeks before, I did not hear anything back from them. On XX/XX/XXXX, I wrote to ask what they were doing. I did not receive any response. On XX/XX/XXXX, I wrote a second time to ask what they were doing and why it was taking them so long to certify the 6 remaining payments and discharge my loans. On XX/XX/XXXX, I received a response by e-mail that they had recieved my application on XX/XX/XXXX, and that I would receive something once they finished their review. On XX/XX/XXXX, I received an e-mail from the Department of Education that my loans would be transferred to XXXX beginning early XXXX, but that the process could take all the way through the summer. On XX/XX/XXXX, almost 3 months after I submitted the application for forgiveness, I received notification from FedLoans that they had completed their review! The letter was dated XX/XX/XXXX. The letter said I did not qualify for forgivness. It said I now had 128 eligible payments, but only 119 of them had been " qualified. '' The second page of the letter showed their records of my employment. They counted up until XX/XX/XXXX ( the date of my previous certification of employment ), and then they counted only the XX/XX/XXXX date. In other words, they only gave me credit for one additional date of employment ( the date of my application ), instead of for the full time period from XX/XX/XXXX through XX/XX/XXXX, which is the time period for which I had submitted certification of employment along with my application of forgiveness. Again. This took 3 months. They ignored the information on my certification and application. On XX/XX/XXXX, I called FedLoans in the morning. The first person I spoke with told me that they didn't know why I had received a letter denying my application. Then they told me it was a mistake and I should ignore it. Then they said that on their end it showed my application was still being reviewed and I should again, just ignore the letter they sent me ( which said they had reviewed my application and denied it ). I asked this person to send me something in writing explaining this. They said they would need to transfer me to the public service forgiveness line ( which was the line I called in the first place ). While on hold, I elected to get a call back rather than sit on hold longer. I missed the callback. When I called back, I sat on hold for about 20 minutes. I explained what happened and was transferred back to the public service forgiveness line. I sat on hold for over an hour. The next person who answered listened as I explained what happened. Then she put me on hold. She came back a few minutes later to let me know she was talking to her supervisor. Then she put me on hold. When she came back she said she did not know why they only counted the one day from my application for forgiveness. She said she had submitted for all of my payments to be reviewed again ( as an aside, this will be the third, or maybe fourth time?, in the last year they have recounted everything ( I requested it the first couple of times ) ). She said it would take at least 10 days for FedLoans to even know they needed to review my account, and after that it could take a long time for the review to be completed. I explained this does not make any sense. They had notified me they had done a comprehensive review in XXXX and I sent in my application in within a couple of weeks thereafter. They should not have to do anything other than count the remaining payments and see if they are greater than 120 ( they are much greater. They know it ). In short, there is no way for them to have done this on accident. They waited 3 months to add one day to my qualified loans. They ignored the information on my application and denied it without reason. Now they are going to review everything again, which will take months, and it seems like my loans will likely be transferred to XXXX before they finish the review ( if they even begin reviewing this at all ). There is no way for that to be an innocent mistake. They are acting in bad faith and there is nothing I can do to make them stop and process my application.
Company Response:
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I applied for, and received, PSLF through the temporary waiver. I was working with both FedLoan servicing and Federal Student Aid to try to resolve this case. I have applied for RECONSIDERATION on the FSA website. There has been no resolution and I get emails telling me I can reapply for reconsideration. I have sent many notes/complaints and emails. I have called innumerable times, but most recently on XX/XX/XXXX when I had both FSA and FedLoans on a 3 way call. Both stated they could not help me and blamed the other as the one in charge of fixing the problem. In essence, both refuse to help. They tell me neither can resolve this claim-. ( case # XXXX XXXX, XXXX, XXXX, XXXX ) I began paying my loans in XX/XX/XXXX. The PSLF program began in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I was employed at XXXX and XXXX XXXX. Both are XXXX XXXX XXXXXXXX entities and have been certified as such by FSA and FedLoans. My jobs were but deemed eligible by FSA and FedLoans. My loans were forgiven under the PSLF waiver. My loan DISCHARGE date is incorrect and all my loan payments were not counted. I made 175 payments, which is 55 payments over the necessary 120 payments for PSLF. Essentially, my payments from XXXX were NOT counted/certified by FedLoans.They refuse to go back and certify these payments as my case has been " closed. '' I can not get a refund because no one can certify these payments, though both FSA and FedLoans tell me they see the payments, and that I am owed this money. My discharge date is INCORRECT. It was set as XX/XX/XXXX. However, 120 payments starting in XX/XX/XXXX would make my discharge date XX/XX/XXXX. That means payments from XX/XX/XXXX to XX/XX/XXXX are over the 120 payments and should be refunded to me. I am owed a refund for the overpayment of 55 payments under PSLF program. I paid approximately $ XXXX per payment.
Company Response:
State: NC
Zip: 27607
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Fedloan is reporting inaccurate late payments. These late payments have done tremendous harm to my ability to buy a new home. I am terrible distraught. The accounts are : FED LOAN SERV. Account Number : XXXX. FEDLOAN Account Number : XXXX These erroneous errors are in violation of 15 usc 1681a ( 2 ) ( A ) Transactional history should excluded from my consumer report. 15 usc 1666 ( 2 ) ( B ) These alleged late payments are due to billing errors
Company Response:
State: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: With the new PSLF waiver I have sent in ALL my certifications, they are not updating my total count, the deadline is XX/XX/XXXX I can't keep sending the same info if they are not going to do anything. they has lost the contract with Dept of Education, new servicer is coming into play. In XXXX they also told me consolidate my loans in order for them to be more affordable not knowing it would restart me paying for my forgiveness. I was about 2 yrs away from loan forgiveness. It has taken them 2 months to update me only to say I was missing information. When the form clearly says to check this box if you can't get your employer to certify. Clearly NO has a CLUE once again.
Company Response:
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I mistakenly continued paying my student loans during the Covid forbearance period because I was worried that if I stopped paying I would not qualify for the PSLF program which I was taking part of. Once I realized my mistake, in XX/XX/XXXX I requested a refund. During the pandemic, my service provider was switched from XXXX to Fedloan. Fedloan refunded me the balance from the time my loans were with them, but I did not receive the balance from XXXX. I paid XXXX {$860.00} from XX/XX/XXXX to XX/XX/XXXX ( XXXX each month ). Fedloan has repeatedly said they have put in the request for this refund, but after over 120 days there is still no resolve.
Company Response:
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have attempted to download a copy several times to send the sites will not allow me to. I have disputed this on all three. I recently mailed a copy to all 3 credit reporting bureaus to update. My debt should reflect {$22000.00} minus the loans that are paid in full that should be reflected as 3-4 months ago this is defamatory and derogatory to my character.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had a student loan of {$4000.00} some years back. Unfortunately, I couldn't continue to finish up with my XXXX college education then, due to XXXX treatemnt and surgeries. However, I defaulted for a period of XXXX month, when I have to choose between paying or have my family XXXX XXXX XXXX in XXXX. I choose the the later for that breif period, whereafter I continued my payment ever since, after my recovery. Since then, the reported late payment had been an impediment from getting any form of loan, be it personal of business. It's been XXXX year of punishment for a late payment, which I have been faithfully paying until my moment of weakness, and thereafter. I tried to appeal for a removal this year XXXX, but was denied that it has to stay on my report for atleast 7 years. As a struggling XXXX XXXX, and a faithful taxpayer, this is unfair, because late payment due to XXXX doesn't has to stop one from living a decent life. The balance left remaining is {$2900.00}, which I will continue to pay until the obligation is met. The account number for the subsidized and unsubsidized loan is XXXX. MyFedloan was recently transferred to XXXX
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A