Date Received: 2022-06-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2022 I submitted a my annual employer certification form for Public Service Loan Forgiveness form FedLoan Servicing to update the counts towards loan forgiveness on my student loan account. Having not received any feedback or status update on the submitted employer certification form, I called FedLoan Servicing in XX/XX/2022 to determine what is the status of my employer certification and updated counts. I was told by a customer representative that they are unable to provide me any feedback on where in the certification process is my employer certification form because they have a backlog and it may take " several months '' to get to my application. I was advised to follow-up " in a few weeks. '' I followed-up with FedLoan in XX/XX/2022 and on XX/XX/2022. On both occasions I was told that FedLoan has a large backlog of applications they are working through and as such it may take several months to process my application. On both occasions I asked where in the certification process is my application and the customer service representatives noted that they can not provide me with that information. On XX/XX/2022, the customer service representative I spoke with ( name : XXXX XXXX asked whether I would like to be transferred to the PSLF department at which point I answered " Yes. '' I also asked XXXX for the direct number to the PSLF department and was told there is no direct number and I need to call the main FedLoan number and ask to be transferred to the PSLF department, if needed. After being transferred to the PSLF department I received a voicemail message noting that they are busy and I would need to wait 20mins for my call to be received. I opted for a call back. It has been more than an hour and I have not received a call back from the PSLF department. I am submitting this complaint because at this point it is egregious to have 20 loan payments not accurately reflected in my count towards loan forgiveness and consequently time being added to how long I can wait to apply for forgiveness, although I am employed by an eligible employer ( not-for-profit organization ). Each year I have submitted my employer certification and verified my income to be able to receive accurate counts towards forgiveness yet FedLoan is essentially forcing individuals extend the life of their loans by not updating borrowers ' payment counts.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Fed Loan Servicing told me that with my newest XXXX hr a week job, I could get a second qualifying job and that would make me eligible to continue the Public Loan Service Forgiveness program. Today they sent to me a letter claiming my job ( s ) are not eligible, when both are non-profit and eligible companies, and combined also make me eligible.
Company Response:
State: ME
Zip: 039XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: AES Student Services suddenly opted me into a payment plan that used excess payments toward future interest instead of paying down principle without my consent.
Company Response:
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I submitted a student loan forgiveness request to the Federal Student Loan Service on XX/XX/XXXX ; a copy of the application was sent be certified mail. and arrived about a week later. Both have been confirmed as received. They are not separate applications, but two copies of the XX/XX/XXXX application. The application guidelines state that the service provider may take up to 120 days to process. It has been more than 120 at this time. When I called to request a status, employee # XXXX of Federal Loan Service stated that they are overwhelmed with applications, the 120 days service response was no longer valid, and he could not confirm ( despite my early submittal of application in XX/XX/XXXX ) if they would be able to process the application by close of the program in XX/XX/XXXX. I asked if he could confirm that I would still be eligible, if their staffing issues prevented my application being processed by XXXX, and he would not commit to my application remaining eligible despite their staff issues. So ... what this appears to be saying is that, despite my being eligible for the TEPSLF program, I could lose my eligibility if the service provider fails to respond in a timely manner ( something over which I have no control ). Can you confirm his statement is correct and, if it is, whether a policy can be put in place that eligible applicants who submitted in a timely manner will retain eligibility regardless of how long it takes for the service provider to process the application and even if it exceeds the XX/XX/XXXX program closure?
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Dept. Of Ed/Fedloan Servicing ( PHEAA ) XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, Dept of Ed/Fedloan Servicing ( PHEAA ) , Account # XXXX, XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2022, FedStudentLoan Servicing, PHEAA. attached a letter at my FedLoan Account regarding the update of payment counts toward my Public Service Loan Forgiveness Program. FedStudentLoan Servicing, PHEAA, never notified me in an email as they publicly promised to notify students, that my PSLF/TESLF FedLoan Account has been UPDATED and FedStudentLoan Servicing, PHEAA, counted my PSLF Eligible Payments as XXXX, with PSLF Qualifying Payments ( Total ) of XXXX. FedStudentLoan Servicing, PHEAA, stated that PSLF Qualifying Payments ( Remaining ) is 1/ONE, and Estimated Eligibility Date for PSLF is XX/XX/2022 ( XX/XX/2022 ). Should I not open my FedLoan Account, PHEAA on XX/XX/2022, I would NEVER learn about my PSLF ( Public Service Loan Forgiveness count and updated due date for my loan forgiveness ). More importantly, FedStudentLoan Servicing, PHEAA, has left out purposely ONE/1 month less payment-count toward the eligible 120 payments for my PSLF eligibility for forgiveness. This is WRONG and financially hurtful ; it directly violates my eligibility for PSLF, even though on XX/XX/2022, I uploaded my PSLF Updated Application ( XXXX/XXXX/XXXX for my complete student loans forgiveness, signed by my eligible employer XXXX XXXX XXXX XXXX [ see the document at my FedLoan Servicing Account ]. My PSLF application was signed by my employer on XX/XX/2022, which meant that FedStudentLoan Servicing, PHEAA, PURPOSELY omitted to count ONE/1 month payment more toward the eligible 120 payments for my PSLF eligibility for forgiveness. I allege that FedStudentLoan Servicing, PHEAA, left out this One/1 payment count voluntarily, so FedStudentLoan Servicing , PHEAA, will hold longer my Loans as 'hostages ', and WILL NOT PROCESS MY PSLF FORGIVENESS. In their letter from XX/XX/2022, FedStudentLoan Servicing, PHEAA, admitted that my eligibility date is XX/XX/2022. Then, WHY DIDN'T FEDLOAN SERVICING FORGIVE MY LOANS? FedStudentLoan Servicing, PHEAA, has received all my employers 's PSLF verified and signed forms up to XX/XX/2022, which includes XX/XX/2022, or the ONE month needed to be counted toward my PSLF for my student loans to be forgiven. Thus, FedStudentLoan Servicing, PHEAA, IGNORED ALL OF THE ABOVE, DID NOT ANSWER MY EMAILS I SENT. FedStudentLoan Servicing, PHEAA does not start the process of my public loans forgiveness, which has to be regarded, as I have completed ALL REQUIREMENTS FOR PSLF/TEPSLF Program/s.
Company Response:
State: NY
Zip: 14626
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received communication stating that they had reviewed my account and that I had only made one qualifying payment over XXXX years. Even though zero payments are supposed to count, I filed a pslf form when I was first employed in XXXX My employer is a qualifying employer. They clearly have not made any actual effort to calculate where I stand with pslf. Additionally, they put me into forbearance without my request or knowledge, right before the student loan payment pause took place.
Company Response:
State: MI
Zip: 48310
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As a follow up of complaint ID XXXX. After reviewing my recent consumer report, I have noticed that Fed Loan Servicing has failed again to comply with the federal law. They have furnished numerous late payments to my consumer report from their company. They have stated and I quote, " Effective XX/XX/2022, your Direct XXXX Loans transferred to a different servicer, XXXX. Because FedLoan Servicing no longer administers the account, no further action is planned at this time. If you wish to pursue this matter further, you would need to contact the new servicer directly. '' Thus meaning, that this company committed an act that they want me to contact another company to resolve. As of XX/XX/2022, Fed Loan Servicing is in violation of the federal law pursuant to 15 USC 1666b ( a ) and 15 USC 6821 ( a ) ( 2 ). In addition to transferring my personal and private information to another company without my consent, Fed Loan Servicing needs to provide the original instrument of indebtedness with my wet signature or proof that it still exists. Please confirm that what you are sending states that I am the obligated party for repayment.
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Long story short. I am due a refund from pslf loan forgiveness and the dates are very wrong. They want to refund me from XXXX of 2021 till now. I know for a fact they owe me from XXXX of XXXX not XXXX of XXXX so I filed a complaint. Nothing was ever done or resolved and they closed my case! This is not over and I have filed another complaint with the us dept. of education. I also sent a notice to Attorney General of NYS. I also had the ombudsman group work on it and they also did nothing and closed my case. My loans have been forgiven but they have not refunded my over payment.
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
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 have called Fedloan several times over the last 5 years about a 90-day late payment that has been reported to all three credit bureaus. I have advised all agents Ive spoken to that the negative mark should have not been added to my account. I had faxed the necessary forms to Fedloan back in early 2017 and learned upon seeing the negative marks on my credit report that the company couldnt locate the form. I do not feel like I should have to continuously suffer from an error that wasnt caused on my end. The negative marks have stopped me from being able to purchase a home and obtain other lines of credit.
Company Response:
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A