Date Received: 2022-06-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received a notice from FedLoan Servicing dated XX/XX/2022 informing me that a PSLF certification form did not include the end date of employment. The notice did not identify the employer in question and did not provide any information that would enable me to identify the certification form allegedly missing this information. Due to that lack of information, I was required to call PHEAA and have now been sitting on hold for more than hour to speak with a " specialist '' for the sole purpose of obtaining a single piece of information that could easily have been provided in the written notice and which is absolutely necessary in order for me to respond to the notice. I tried the option of requesting a call back but that did not work and I was left with no choice but to wait on hold. PHEAA, which has profited enormously through its incompetence in student loan servicing, should be required to compensate me for the time irretrievably lost to said incompetence.
Company Response:
State: WI
Zip: 53590
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I submitted my employer certification form for the limited XXXX XXXX XXXX XXXX waiver in XX/XX/XXXX, to FedLoan Servicing. I received verification from FedLoan in XX/XX/XXXX ( attached ) saying they still needed more time to verify whether I was eligible. I have heard nothing since then. The XXXX letter does not even say how much longer they will need or why they need more time. It has been SEVEN MONTHS now from when I submitted my application and I have yet to receive any substantive communication about whether I qualify, how many qualifying payments I have made, or how close I might be to actual forgiveness. With FedLoan now exiting the servicing business, I am not sure if I will ever get a reply before the PSLF waiver expires in XXXX, or if I will be able to rectify any errors on their part if they don't get back to me soon. Have they lost my paperwork? Are they ever going to respond? Calling them does not help and there is no where else to turn. It is very upsetting that there is no way to hold servicers accountable for administering vital, and time-sensitive, government programs like the limited PSLF waiver XXXX and this might mean that I miss out on loan forgiveness that I have worked for and earned, due to servicer error and ineptitude - AGAIN.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loan is being report reported incorrectly. I originally borrowed roughly XXXX and I still have the consolidation promissory note from XXXX from AES. AES is reporting that after 10 years of payments of XXXX, I still owe XXXX. What? I have paperwork they sent me that has me down as two loans each for XXXX. Same date on both. One is a duplicate as they are at fixed rates. One says unsub, the other says subsidized. I've filed complaints that keep getting closed, I've spoken for hours with rude people. They reported to XXXX that I still owe XXXX. My sub loans equalled roughly XXXX My unsub loans totalled roughly XXXX. Can you help?
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: The Department of Education process for Public Service Loan Forgiveness has been obtuse and frustrating. I have more than XXXX years of payments but XXXX months were paid to the XXXX XXXX XXXX XXXX. I have the email receipts of these payments as well as the records from my loan servicer, but these payments have not been counted under the PSLF waiver by XXXX XXXX, my current servicer. I filed my employment certification form in XX/XX/XXXX, followed by subsequent forms in XXXX, XXXX and XXXX of XXXX. My payment counts still do not reflect my full history.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX. In XXXX, the XXXX rolled out their Public Service Loan Forgiveness program, which by all standards, was an epic fail. In XX/XX/XXXX, our incredible XXXX XXXX and amazing COO of XXXX XXXX recognized the need for a limited waiver. With that waiver, we are able to consolidate into a direct loan, use prior periods of repayment and receive forgiveness on the loan balance after 10 years/120 payments. I had been paying on my FFEL loans for over 15 years and was one of the folks in the XXXX settlement as well for being misled and lied to. I have done all asked of me by XXXX and Fed Loan Servicing to take advantage of this waiver, yet there are no updates, no communication and now servicers are being transferred when I am at the finish line, yet they claim no disruptions which is totally untrue. They have my approved employment, proof of over XXXX payments from XXXX XXXX XXXX XXXX XXXX my loans are now direct loans and now still 30 days later, I have heard nothing. When I call, I get " just keep waiting '' yet on the XXXX site they claim " XXXX will review a borrowers account when it contains two pieces of information : at least one Direct Loan and at least one approved Employment Certification. When both conditions are met, XXXX will review the borrowers account. XXXX will identify all new payments to be added and instruct FedLoan Servicing to update the account. If any conditions of the account change, XXXX will re-review the account. Borrowers at or over XXXX payments will get priority reviews regardless of when their PSLF forms were approved. '' I am humbly asking XXXX XXXX to help get involved on my behalf. I do not want to ping pong between servicers and be kept continually waiting for forgiveness that I have rightfully earned. PLEASE HELP, I am begging you and really exhausted with this constant run around and finger pointing without any help.
Company Response:
State: NJ
Zip: 08723
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/2022 XXXX of XXXX of my federal student loans with Fedloans were forgiven pursuant to the Public Service Loan Forgiveness ( PSLF ) waiver. I am grateful for this forgiveness however, after numerous phone calls with Fedloan representatives, I learned that Fedloans was not providing accurate information to borrowers about consolidation of Direct Loans. They had advised me to consolidate my Direct Loans and the whole amount will be forgiving. I consolidated my loans with XXXX and while it was in process, Fedloans sent me a letter saying only two loans were forgiving in the amount of XXXX. I currently have a XXXX balance remaining on my federal Direct Loan balance which was transferred to XXXX. If Fedloans had given the accurate information about consolidation at the time I sent my PSLF application, then my entire Direct Loan balance would have been forgiven at the same time, as the new rule states that consolidation would give the new loan the highest payment count of the underlying consolidated loans. I am request the remaining balance of my loans be forgiving as well since the two loans which were forgiven was part of my consolidation.
Company Response:
State: IL
Zip: 62702
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I need my income driven repayment information in order to complete underwriting for a mortgage. This information is not being sent to me which has opened me up to a potential breach of contract lawsuit in addition to losing my earnest money and survey, inspection fees. By witholding this information, my servicer is causing immense damage to me as I could be without housing should this sale fall through.
Company Response:
State: FL
Zip: 32127
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My husband and I have been denied the XXXX consolidation because we have a spousal consolidation loan. We did what the loan advisers told us XXXX years ago. Had we not, my husbands loans would qualify for the XXXX consolidation loan and would then qualify for the XXXX program. We just followed the rules and are now being penalized. Currently Spousal Consolidation loans can not be re-consolidated into a XXXX consolidation loan, and therefore these public servants, after a lifetime of service, can not avail of the XXXX program. This condition raises financial risk for married and divorced borrowers in low paying public service. We seek fairness and equal treatment. The Joint Consolidation Loan Separation Act should be moved into law this year as it is the antidote to the blanket risk posed by any type of spousal consolidation loan. It installs integrity in the short term XXXX waiver by allowing public servants who have sacrificed to be treated equitably and be given the same opportunity of credit towards forgiveness as their colleagues. We ask for support for the Joint Consolidation Loan Separation Act and the ability to make these loans into federal direct loans by the XX/XX/2022 deadline as the precursor to allow lifelong public servants access to the newly expanded relief measures in the XXXX XXXX XXXX XXXX ( XXXX ) program. Many of us have performed public service for XXXX years, yet we are still facing the crushing debt of student loans/interest and a foreboding fear of never getting out from under them as we move towards the end of our working careers and lives. Please consider those of us that qualify and are being denied because we consolidated as we were advised to do. We desperately hope to separate our loans, so those of us that qualify for forgiveness can be forgiven, rather than punished just because we were guided down the wrong path.
Company Response:
State: FL
Zip: 32127
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I submitted the Public Service Loan Forgiveness application in XXXX of 2021. I have called several times and have not been able to get through the line. I was on hold for hours, and when I made contact with someone, the call dropped and I was not contacted. It took me XXXX hours to get in touch with someone again. In between making contact, I was placed on a queue and then the call was dropped again. I finally made contact with someone again and requested to speak to someone with to whom I might express my concerns regarding my efforts and inability to get in touch with anyone. That person asked that I hold and the call was terminated. I called seven times. I was on hold several times and easily spend five hours making a concerted effort to make any sort of contact. There is no email options for people like me who may not have an account with Fed Loan, though work with Fed Loan for the PSLF. Additionally, Fed Loan indicated that they sent a letter in the mail- I have not received such letter and there is a significant delay in any contact, which can affect the outcome of my loan forgiveness. I consider myself a patient person and the institution fails the client - not the workers, rather the system there itself. It's embarassing.
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've disputing with XXXX and XXXX about incomplete and inaccurate information on my credit reports. They claim that they have investigated the account information with FEDLOAN SERVICING and they claim that FEDLOAN SERVICING is telling them that the account information is accurate which is false. The payment history is incomplete and inaccurate. Date of last activity as well as other information is missing, The dates of delinquency is incorrect as well as the date of last payment and payment amounts are inaccurate. I've sent proof of this Inaccurate and incomplete information to XXXX and XXXX but FEDLOAN SERVICING is allowing them to continue to report this inaccurate and incomplete information. In accordance with the Fair Credit Reporting act. The List of accounts stated above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A