Date Received: 2022-07-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Submitted ( PSLF ) XXXX proof of certification of employment for loan forgiveness ; and again on XXXX, but due to COVID the certification was dated XXXX. I was not denied in XXXX, but FedLoan said I did not qualify, must make 120 qualifying payments. I do qualify for loan forgiveness but am getting the runaround with FedLoan servicing. I did make payments since XXXX and worked for a public entity ( XXXX XXXX XXXX XXXX for XXXX years and XXXX.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am being denied all my payments that should count toward PSLF. I have been teaching for 25 years at a low income school which would qualify me for public service loan forgiveness which Biden just opened up more options to qualify where before I couldn't. I have been making payments for years, enough to count for XXXX payments. I had a bankruptcy in XXXX. I wanted to start a PSLF and they told me that I needed to consolidate my loans XXXX ( I had no choice ) and change my payment, which I did. I have never been in default on my loan and have done all that they have asked, through all servicers. Now Biden 's PSLF is qualifying everyone going back to XXXX, which would lend itself to my situation. I submitted application for and they told me that I couldn't qualify for PSLF because I consolidated my loans in XXXX ( for PSLF upon their direction ) This doesn't seem to make sense. And I am going to be penalized for their direction in the process and doing what I was told to do. I currently owe about XXXX, I have had XXXX qualifying payments ( that I can show ) and have worked at low income schools since XXXX ( all the criteria needed for PSLF ). When I try to reach out to student loans it is a hopeless action, there is no one to respond or answer calls, emails... To make matters worse, the process of PSLF keeps saying to wait as credits continue to change. I've waited months and months and mine haven't changed but I only got the letter that say it won't go back prior to XXXX. The deadline is XX/XX/XXXX for Biden 's program. I need an advocate because I am getting the run around and am running quickly out of time. Meantime my peers with similar situations are getting their debt wiped out. I am a single mom and this is not a little deal and would completely change my life circumstance. I am not asking for special treatment but for the same treatment that others are receiving.
Company Response:
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have been attempting to clarify what documentation is available should I choose to make a one-time payment to satisfy the requirements of the XXXX Maryland student loan debt relief tax credit. I have called FedLoan Servicing on multiple occasions but have not been able to reach a representative in a timely manner on any attempt. Additionally, I sent an email on XX/XX/XXXX ( wording attached ) to determine if proof of payment documentation would satisfy the requirement. I have not received any response. I am simply trying to confirm whether if I made a one-time payment if I would receive documentation that included all of the following : 1 ) the lending institution 's name pre-printed on the document, 2 ) the full name of the borrower pre-printed on the document, 3 ) the dates of the payments must be dated any time after XX/XX/XXXX to the present, and 4 ) the dollar amounts of the payments ( principal and/or interest ). I am extremely concerned about my inability to reach anyone at FedLoan given they will be closing for good soon. There are still a lot of questions I feel need to be answered and would appreciate a response so that I have the information required to feel comfortable making a payment right now and that I am confident I will receive documentation that will allow me to clear my tax-related liability.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My account number is XXXX XXXX XXXX Fedloanservicing or Myfedloan.org is the servicer. I submitted my XXXX XXXX form from XXXX XXXX XXXX XXXXXXXX signed by my then employer in XXXX. The form is signed by my employer XX/XX/XXXX. My form certified I worked from XX/XX/XXXX to XX/XX/XXXX. I made " qualifying payments '' throughout this time. For some reason XXXX payments in XXXX specifically XX/XX/XXXX-XX/XX/XXXX are not credited as qualifying payments. That is XXXX payments I am not given credit for despite staying with the same employer. I was told by the Fedloan in a XX/XX/XXXX letter that the end date was before the start date. That makes no sense. It is also not true. This is a hot mess. I am attaching my last submitted employer certification form that covered this time period.
Company Response:
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I submitted documents for PSLF application on XX/XX/XXXX. I have waited patiently, called multiple times- XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 with no progress. I have met all of the requirements for the Pslf program and just can not get Fedloan to respond appropriately or tell me what they need in order to process my application. I have waited XXXX months when many others have waited much less.
Company Response:
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Applied for XXXX program and submitted employment verification in XXXX. In XXXX received notification that my employment verification was denied because of my employers signature. I had to contact employer and get them to resign and I resubmitted corrected form in XXXX. This apparently put me at the end of the line and I have heard nothing since that time. My corrected form was submitted XX/XX/XXXX. Its been a month and nothing. Ive been trying to get this verified since XXXX. I dont u detest and why a simple corrected signature would take so long to verify. Should not have been placed at the end of the line as this should have been an easy fix.
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loans have been forgiven after over 4 years of endless run around and delays, by XXXX, then FedLoan Servicing, and now again they are going to XXXX... This is a violation of congressionally mandated timelines for forgiveness, and the fact that I simply hear that " it is with the Dept. of Education '' for months and months is unacceptable. I'm a XX/XX/XXXX XXXX XXXX XXXX, and this is an insult, embarrassment to DOE. I followed the guidelines, bent over backwards, repeatedly re-submitting lost and incorrectly interpreted/routed documents, and this is the shoddy service I get. Rediculous! Even their downloadable documents interface is now a mess, and they have 5 hour waiting on the phone lines- seriously, 5 hours, and then they disconnect you with no follow up. So, I've gone though all of that for 4 years, and finally I've been forgiven for OVER 6 months, approved ( see attached ) and all I get is 'its with DOE for review ' - - I'm going to the Inspector General next unless something is done. The latest status is that this has been sitting with the Dept of Ed. for 6 months plus, for nothing. Process the forgiveness today, and refund my overpayment today!!!!
Company Response:
State: HI
Zip: 96817
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am filing this complaint in response to FEDLOAN SERVICING 's stunningly incompetent handling of my Temporarily Expanded Public Service Loan Forgiveness application. They received my initial application on XXXX XX/XX/XXXX. I received no correspondence from them until around XXXX XXXX when I received a letter from them stating my application had been rejected because it was " illegible ''. I called on XXXX XX/XX/XXXX to find out what was wrong with my initial application, and I was told by one of their employees after waiting on hold for more than three hours that my supervisor had lined through an entry without initialing the correction. She said that my options were to have my supervisor contact them to resolve the issue or to file a new application. I called my supervisor on a conference line and she asked what his full name and job title were. He provided the requested information and she said that the error had been fixed, but that it would take a couple months to work through the system. I called in XXXX and was told that no action had been taken on my application due to the tremendous number of applications that had been received, and that it would probably take a couple more months. I called on XXXX XXXX and after waiting on hold for more than five hours was informed that they had no record of my calling at any time after the initial rejection and that I had to file a new application under the TEPSLF program. I have the names and employee ID numbers of every person that I talked to on XXXX XXXX. I understand that they settled a lawsuit for their completely inept handling of the original PSLF program, I believe that someone needs to investigate their handling of the expanded program as well, since I believe it is incredibly unlikely that I am the only person that was harmed by their total incompetence.
Company Response:
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I've been working for non-profits for over 10 years and have dutifully been working with my student loan servicer on PSLF and the temporary PSLF processing. To their credit, over this past weekend they updated my account and four of my 12 student loans are eligible for forgiveness. I'm humbled and grateful. But I have qualifying and eligible months that they haven't acknowledged that could knock out most of my other student loans. My three employers have certified my uninterrupted employment since XXXX The servicer has the completed forms from my employers, and their website acknowledges the past several months as " eligible, qualifying payments '' yet, they still are listed as " requiring employer certification '' when in fact, as I stated, the servicer has the certifications and has already approved many of the months listed on said certifications. It's frustrating that they counted some months of my employment and not others - when all are equally valid and my employment with qualifying non-profits has been uninterrupted. Can not get my servicer to answer the question.
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Fed loans is showing up 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for XXXX months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and they did not backdate it. Thats what caused this issue or one of the issues Im having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the US Department of student loans. I have worked with a company and gotten most of these taken off my report but there is one in 2 Fed loans and one Fed loans that was paid on time. All three accounts are closed however XXXX of the accounts are showing XXXX to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/XXXX for both accounts. For my XXXX XXXX Report the exact same thing is happening however on XXXX XXXX there is only one past due account. The bank fix the other one when I disputed the account. Theres only XXXX XXXX accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/XXXX. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. For XXXX neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on XXXX XXXX and XXXX they tell me everything is correct now. However on XXXX there are XXXX accounts that have to do with the student loan and question. Its called US Department of EDXXXX XXXX As soon as I seen this pop up on my reports I noticed it said my account had been sent to collections which was the US Department of EDXXXX XXXX I refinanced it with the lender it was with originally which was Fed loans and start making payments this is the one that is on every report thats current ive never missed one payment on the new account and never been late. That account is showing exactly how it should current never late. This is how all the account should show with that loans on all three reports XXXX, XXXX XXXX and XXXX! These two accounts need to be removed off my report Ive got them removed off of my other XXXX reports by disputing them but for some reason they will not remove them from my XXXX report. Since the payments were never late and I was in deferment my account shouldve never been sent to collections at US Department of EDXXXX That account was opened XX/XX/XXXX. Its my understanding account should only stay on your credit file for XXXX years and one month well this one has stayed on my report for over 11 years and they will not remove it and its also a mistake so it needs to be removed for that reason anyways. Or at least updated to never late Current closed account.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A